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Note 6 (Tables) | 6 Months Ended
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Jun. 30, 2022
Risk Management [Abstract] |
Amount of payment deferral and financing with public guarantees of the Group [Table Text Block] | The outstanding balance of existing loans for which a payment deferral was granted (split by those existing at end of the period and those that were completed by period-end closing) under EBA standards and for which financing was granted with public guarantees given at a Group level, as well as the number of customers of both measures, as of June 30, 2022 and December 31, 2021, are as follows:
Amount of payment deferrals and financing with public guarantees of the Group (Millions of Euros)
| Payment deferrals | Financing with public guarantees |  |
| Existing | Completed | Total | Number of customers | Total | Number of customers | Total payment deferrals and guarantees | (%) credit investment
June 2022 | — | 19,998 | 19,998 | 1,940,865 | 16,032 | 254,945 | 36,030 | 9.4 | %
December 2021 | 189 | 21,743 | 21,931 | 2,188,720 | 16,093 | 264,809 | 38,025 | 10.9 | %
Amount of payment deferral and financing with public guarantees [Table Text Block] |
Amount of payment deferral and financing with public guarantees (Millions of Euros)
| Payment deferrals | Financing with public guarantees
| Existing | Completed | Total
| June 2022 | December 2021 | June 2022 | December 2021 | June 2022 | December 2021 | June 2022 | December 2021
Group | — | 189 | 19,998 | 21,743 | 19,998 | 21,931 | 16,032 | 16,093
Customers | — | 107 | 14,310 | 14,904 | 14,310 | 15,011 | 1,515 | 1,376
Of which: Mortgages | — | 97 | 10,191 | 10,195 | 10,191 | 10,291 | 6 | 6
SMEs | — | 44 | 3,528 | 3,950 | 3,528 | 3,994 | 11,115 | 10,911
Non-financial corporations | — | 37 | 2,044 | 2,766 | 2,044 | 2,803 | 3,381 | 3,788
Other | — | — | 116 | 122 | 116 | 122 | 21 | 18
Amount of payment deferrals by stages [Table Text Block] |
Amount of payment deferrals by stages (Millions of Euros)
| Stage 1 | Stage 2 | Stage 3 | Total
| June 2022 | December 2021 | June 2022 | December 2021 | June 2022 | December 2021 | June 2022 | December 2021
Group | 12,584 | 13,236 | 4,489 | 6,252 | 2,925 | 2,444 | 19,998 | 21,931
Customers | 9,127 | 9,167 | 3,222 | 3,707 | 1,961 | 2,137 | 14,310 | 15,011
Of which: Mortgages | 6,599 | 6,360 | 2,179 | 2,444 | 1,413 | 1,487 | 10,191 | 10,291
SMEs | 2,530 | 2,609 | 745 | 1,131 | 253 | 254 | 3,528 | 3,994
Non-financial corporations | 832 | 1,364 | 500 | 1,387 | 712 | 53 | 2,044 | 2,803
Other | 94 | 95 | 23 | 27 | — | — | 116 | 122
Maximum credit risk exposure [Table Text Block] | In accordance with IFRS 7 “Financial Instruments: Disclosures”, the BBVA Group’s credit risk exposure by headings in the consolidated balance sheets as of June 30, 2022 and December 31, 2021 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:
Maximum credit risk exposure (Millions of Euros)
| Notes | June 2022 | Stage 1 | Stage 2 | Stage 3
Financial assets held for trading |  | 78,010 |  |  |
Equity instruments | 9 | 6,199 |  |  |
Debt securities | 9 | 30,171 |  |  |
Loans and advances | 9 | 41,640 |  |  |
Non-trading financial assets mandatorily at fair value through profit or loss |  | 6,775 |  |  |
Equity instruments | 10 | 6,411 |  |  |
Debt securities | 10 | 124 |  |  |
Loans and advances | 10 | 240 |  |  |
Financial assets designated at fair value through profit or loss | 11 | 1,003 |  |  |
Derivatives (trading and hedging) |  | 53,006 |  |  |
Financial assets at fair value through other comprehensive income |  | 63,335 |  |  |
Equity instruments | 12 | 1,612 |  |  |
Debt securities |  | 61,697 | 60,900 | 772 | 25
Loans and advances to credit institutions | 12 | 27 | 27 | — | —
Financial assets at amortized cost |  | 419,942 | 372,736 | 32,580 | 14,626
Debt securities |  | 38,347 | 38,079 | 238 | 29
Loans and advances to central banks |  | 6,764 | 6,764 | — | —
Loans and advances to credit institutions |  | 13,031 | 13,009 | 22 | —
Loans and advances to customers |  | 361,800 | 314,884 | 32,320 | 14,597
Total financial assets risk |  | 622,071 |  |  |
Total loan commitments and financial guarantees |  | 184,898 | 171,912 | 11,857 | 1,128
Loan commitments given | 30 | 132,088 | 124,593 | 7,271 | 224
Financial guarantees given | 30 | 14,308 | 12,887 | 1,121 | 300
Other commitments given | 30 | 38,502 | 34,433 | 3,465 | 604
Total maximum credit exposure |  | 806,969 |  |  |
Maximum credit risk exposure (Millions of Euros)
| Notes | December 2021 | Stage 1 | Stage 2 | Stage 3
Financial assets held for trading |  | 92,560 |  |  |
Equity instruments | 9 | 15,963 |  |  |
Debt securities | 9 | 25,790 |  |  |
Loans and advances | 9 | 50,807 |  |  |
Non-trading financial assets mandatorily at fair value through profit or loss |  | 6,086 |  |  |
Equity instruments | 10 | 5,303 |  |  |
Debt securities | 10 | 128 |  |  |
Loans and advances | 10 | 655 |  |  |
Financial assets designated at fair value through profit or loss | 11 | 1,092 |  |  |
Derivatives (trading and hedging) |  | 43,687 |  |  |
Financial assets at fair value through other comprehensive income |  | 60,495 |  |  |
Equity instruments | 12 | 1,320 |  |  |
Debt securities |  | 59,148 | 58,587 | 561 | —
Loans and advances to credit institutions | 12 | 27 | 27 | — | —
Financial assets at amortized cost |  | 383,870 | 334,772 | 34,418 | 14,680
Debt securities |  | 34,833 | 34,605 | 205 | 22
Loans and advances to central banks |  | 5,687 | 5,687 | — | —
Loans and advances to credit institutions |  | 13,295 | 13,285 | 10 | —
Loans and advances to customers |  | 330,055 | 281,195 | 34,203 | 14,657
Total financial assets risk |  | 587,789 |  |  |
Total loan commitments and financial guarantees |  | 165,941 | 152,914 | 12,070 | 957
Loan commitments given | 30 | 119,618 | 112,494 | 6,953 | 171
Financial guarantees given | 30 | 11,720 | 10,146 | 1,329 | 245
Other commitments given | 30 | 34,604 | 30,274 | 3,789 | 541
Total maximum credit exposure |  | 753,730 |  |  |
Maximum credit risk exposure, accumulated allowances and carrying amount by geographical location [Table Text Block] | 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, 2022 and December 31, 2021 is shown below:
June 2022 (Millions of Euros)
| Gross exposure | Accumulated allowances | Carrying amount
| Total | Stage 1 | Stage 2 | Stage 3 | Total | Stage 1 | Stage 2 | Stage 3 | Total | Stage 1 | Stage 2 | Stage 3
Spain (*) | 211,506 | 183,564 | 19,865 | 8,077 | (5,229) | (593) | (796) | (3,840) | 206,278 | 182,972 | 19,070 | 4,236
Mexico | 69,445 | 62,512 | 4,893 | 2,041 | (2,424) | (951) | (447) | (1,025) | 67,022 | 61,560 | 4,446 | 1,016
Turkey (**) | 37,754 | 31,408 | 3,744 | 2,602 | (2,145) | (302) | (336) | (1,507) | 35,610 | 31,107 | 3,408 | 1,095
South America (***) | 42,059 | 36,376 | 3,815 | 1,868 | (1,886) | (337) | (345) | (1,203) | 40,173 | 36,039 | 3,470 | 665
Others | 1,035 | 1,024 | 3 | 9 | (8) | (1) | — | (7) | 1,027 | 1,023 | 2 | 2
Total (****) | 361,800 | 314,884 | 32,320 | 14,597 | (11,691) | (2,184) | (1,925) | (7,583) | 350,110 | 312,700 | 30,395 | 7,014
Of which: individual |  |  |  |  | (2,148) | (29) | (550) | (1,568) |  |  |  |
Of which: collective |  |  |  |  | (9,543) | (2,154) | (1,375) | (6,014) |  |  |  |
(*) Spain includes all the countries where BBVA, S.A. operates (**) Turkey includes all the countries in which Garanti BBVA operates. (***) In South America, BBVA Group operates in Argentina, Colombia, Peru and Uruguay. (****) 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, 2022, the remaining balance was €223 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.
December 2021 (Millions of Euros)
|  | Gross exposure |  | Accumulated allowances |  | Carrying amount
| Total | Stage 1 | Stage 2 | Stage 3 | Total | Stage 1 | Stage 2 | Stage 3 | Total | Stage 1 | Stage 2 | Stage 3
Spain (*) | 201,405 | 171,883 | 21,380 | 8,143 | (5,277) | (722) | (923) | (3,631) | 196,129 | 171,161 | 20,457 | 4,511
Mexico | 57,847 | 51,665 | 4,261 | 1,921 | (2,038) | (740) | (381) | (916) | 55,809 | 50,925 | 3,880 | 1,005
Turkey (**) | 33,472 | 26,497 | 4,134 | 2,841 | (2,058) | (224) | (424) | (1,410) | 31,414 | 26,273 | 3,711 | 1,431
South America (***) | 36,335 | 30,166 | 4,425 | 1,744 | (1,736) | (277) | (362) | (1,096) | 34,599 | 29,889 | 4,062 | 648
Others | 996 | 984 | 3 | 9 | (8) | (1) | — | (7) | 988 | 983 | 3 | 2
Total (****) | 330,055 | 281,195 | 34,203 | 14,657 | (11,116) | (1,964) | (2,091) | (7,061) | 318,939 | 279,231 | 32,112 | 7,596
Of which: individual |  |  |  |  | (2,528) | (4) | (657) | (1,867) |  |  |  |
Of which: collective |  |  |  |  | (8,587) | (1,959) | (1,434) | (5,194) |  |  |  |
(*) Spain includes all the countries where BBVA, S.A. operates. (**) Turkey includes all the countries in which Garanti BBVA operates. (***) In South America, BBVA Group operates in Argentina, Colombia, Peru and Uruguay. (****) 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, 2021, the remaining balance was €266 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.
Loans and advances breakdown by counterparty and product [Table Text Block] | The breakdown by counterparty and product of the maximum credit risk exposure, the accumulated allowances recorded, as well as the carrying amount by type of product, classified in different headings of the assets as of June 30, 2022 and December 31, 2021 is shown below:
June 2022 (Millions of Euros)
| Central banks | General governments | Credit institutions | Other financial corporations | Non-financial corporations | Households | Total | Gross carrying amount
On demand and short notice | — | 6 | — | 249 | 2,837 | 639 | 3,731 | 3,920
Credit card debt | — | 1 | — | 2 | 1,722 | 14,377 | 16,102 | 17,177
Commercial debtors |  | 670 | 26 | 617 | 19,597 | 75 | 20,984 | 21,235
Finance leases | — | 192 | — | 14 | 7,775 | 335 | 8,315 | 8,637
Reverse repurchase loans | 890 | — | 2,086 | 2 | — | — | 2,977 | 2,981
Other term loans | 5,447 | 20,025 | 3,672 | 6,648 | 125,046 | 141,799 | 302,636 | 312,463
Advances that are not loans | 412 | 372 | 7,257 | 4,854 | 1,764 | 732 | 15,392 | 15,450
LOANS AND ADVANCES | 6,748 | 21,266 | 13,041 | 12,386 | 158,741 | 157,957 | 370,138 | 381,862
By secured loans |  |  |  |  |  |  |  |
Of which: mortgage loans collateralized by immovable property |  | 312 | — | 245 | 23,976 | 96,526 | 121,060 | 124,210
Of which: other collateralized loans | 692 | 4,940 | 1,757 | 435 | 6,041 | 2,103 | 15,968 | 16,328
By purpose of the loan |  |  |  |  |  |  |  |
Of which: credit for consumption |  |  |  |  |  | 47,635 | 47,635 | 50,915
Of which: lending for house purchase |  |  |  |  |  | 96,780 | 96,780 | 98,336
By subordination |  |  |  |  |  |  |  |
Of which: project finance loans |  |  |  |  | 9,599 |  | 9,599 | 10,130
December 2021 (Millions of Euros)
| Central banks | General governments | Credit institutions | Other financial corporations | Non-financial corporations | Households | Total | Gross carrying amount
On demand and short notice | — | 6 | — | 321 | 2,339 | 495 | 3,161 | 3,345
Credit card debt | — | — | — | 1 | 1,504 | 12,523 | 14,030 | 14,949
Commercial debtors |  | 791 | — | 476 | 18,191 | 66 | 19,524 | 19,766
Finance leases | — | 191 | — | 14 | 7,388 | 317 | 7,911 | 8,256
Reverse repurchase loans | 1,192 | — | 2,788 | 23 | — | — | 4,004 | 4,013
Other term loans | 4,174 | 18,440 | 4,004 | 5,413 | 110,204 | 134,505 | 276,739 | 286,127
Advances that are not loans | 315 | 394 | 6,510 | 3,554 | 1,805 | 630 | 13,208 | 13,263
LOANS AND ADVANCES | 5,681 | 19,822 | 13,303 | 9,804 | 141,431 | 148,536 | 338,577 | 349,719
By secured loans |  |  |  |  |  |  |  |
Of which: mortgage loans collateralized by immovable property |  | 324 | — | 220 | 21,531 | 94,821 | 116,897 | 119,980
Of which: other collateralized loans | 1,180 | 1,413 | 2,534 | 390 | 3,512 | 1,950 | 10,979 | 11,335
By purpose of the loan |  |  |  |  |  |  |  |
Of which: credit for consumption |  |  |  |  |  | 42,294 | 42,294 | 45,236
Of which: lending for house purchase |  |  |  |  |  | 95,209 | 95,209 | 96,612
By subordination |  |  |  |  |  |  |  |
Of which: project finance loans |  |  |  |  | 8,863 |  | 8,863 | 9,423
Guarantees Received [Table Text Block] | The value of guarantees received as of June 30, 2022 and December 31, 2021, is as follows:
Guarantees received (Millions of Euros) |  |
| June 2022 | December 2021
Value of collateral | 125,757 | 117,362
Of which: guarantees normal risks under special monitoring | 11,132 | 11,768
Of which: guarantees impaired risks | 3,723 | 3,981
Value of other guarantees | 38,957 | 48,680
Of which: guarantees normal risks under special monitoring | 6,806 | 7,404
Of which: guarantees impaired risks | 992 | 886
Total value of guarantees received | 164,714 | 166,042
Impaired Secured Loans [Table Text Block] | The breakdown of loans and advances, within the heading “Financial assets at amortized cost”, impaired loans and advances and accumulated impairment, as well as the gross carrying amount, by counterparties as of June 30, 2022 and December 31, 2021, is as follows:
June 2022 (Millions of Euros)
| Gross carrying amount | Impaired loans and advances | Accumulated impairment | Impaired loans and advances as a % of the total
Central banks | 6,764 | — | (16) | —
General governments | 21,300 | 52 | (35) | 0.2 | %
Credit institutions | 13,031 | — | (17) | —
Other financial corporations | 12,434 | 40 | (48) | 0.3 | %
Non-financial corporations | 164,461 | 7,167 | (5,875) | 4.4 | %
Households | 163,604 | 7,339 | (5,732) | 4.5 | %
LOANS AND ADVANCES | 381,596 | 14,597 | (11,724) | 3.8 | %
December 2021 (Millions of Euros)
| Gross carrying amount | Impaired loans and advances | Accumulated impairment | Impaired loans and advances as a % of the total
Central banks | 5,687 | — | (6) | —
General governments | 19,719 | 62 | (37) | 0.3 | %
Credit institutions | 13,295 | — | (19) | —
Other financial corporations | 9,826 | 24 | (23) | 0.2 | %
Non-financial corporations | 146,797 | 7,290 | (5,804) | 5.0 | %
Households | 153,714 | 7,281 | (5,253) | 4.7 | %
LOANS AND ADVANCES | 349,037 | 14,657 | (11,142) | 4.2 | %
Changes in impaired financial assets and guarantees given [Table Text Block] | The changes during the six months ended June 30, 2022, and the year ended December 31, 2021 of impaired financial assets (financial assets and guarantees given) are as follows:
Changes in impaired financial assets and guarantees given (Millions of Euros)
| June 2022 | December 2021
Balance at the beginning | 15,467 | 15,478
Additions | 3,908 | 8,556
Decreases (*) | (2,981) | (4,555)
Net additions | 927 | 4,001
Amounts written-off | (1,158) | (3,613)
Exchange differences and other | 342 | (399)
Balance at the end | 15,578 | 15,467
(*) Reflects the total amount of impaired loans derecognized from the consolidated balance sheet throughout the period as a result of monetary recoveries as well as mortgage foreclosures and real estate assets received in lieu of payment.
Positive scenario of GDP, unemployment rate and HPI for the main geographies [Table Text Block] | BBVA Research forecasts a maximum of five years for the macroeconomic variables. The following estimates for the next five years of the Gross Domestic Product (GDP) growth, of the unemployment rate and of the House Price Index (HPI), for the most relevant countries where it represents a significant factor, are determined by BBVA Research and have been used at the time of the calculation of the ECL as of June 30, 2022:
Positive scenario of GDP, unemployment rate and HPI for the main geographies
| Spain | Mexico | Turkey
Date | GDP | Unemployment | HPI | GDP | Unemployment | HPI | GDP | Unemployment
2022 | 4.77% | 12.98% | (0.52)% | 2.09% | 3.43% | 1.26% | 6.43% | 10.98%
2023 | 3.76% | 12.25% | 4.93% | 2.78% | 3.24% | 3.16% | 5.36% | 11.98%
2024 | 3.89% | 11.29% | 1.69% | 1.91% | 3.21% | 3.63% | 4.15% | 13.19%
2025 | 2.78% | 10.25% | 0.90% | 1.83% | 3.17% | 3.73% | 3.37% | 13.86%
2026 | 2.69% | 9.06% | 0.59% | 1.78% | 3.12% | 3.85% | 3.11% | 14.05%
2027 | 2.56% | 8.14% | 0.62% | 1.78% | 3.07% | 3.80% | 3.08% | 14.05%
| Peru | Argentina | Colombia
Date | GDP | Unemployment | GDP | Unemployment | GDP | Unemployment
2022 | 4.63% | 8.90% | 8.30% | 11.50% | 5.85% | 12.06%
2023 | 4.62% | 8.39% | 4.88% | 9.35% | 3.42% | 11.76%
2024 | 2.71% | 7.53% | 2.18% | 7.86% | 3.21% | 11.15%
2025 | 2.29% | 7.47% | 2.59% | 6.85% | 3.52% | 10.30%
2026 | 2.26% | 7.16% | 2.63% | 6.89% | 3.53% | 9.65%
2027 | 2.17% | 6.96% | 2.63% | 6.81% | 3.56% | 9.46%
Estimate of GDP, unemployment rate and HPI for the main geographies [Table Text Block] |
Estimate of GDP, unemployment rate and HPI for the main geographies
| Spain | Mexico | Turkey
Date | GDP | Unemployment | HPI | GDP | Unemployment | HPI | GDP | Unemployment
2022 | 4.14% | 14.18% | (1.93)% | 1.23% | 3.55% | 1.32% | 2.51% | 12.19%
2023 | 3.28% | 13.85% | 3.34% | 2.15% | 3.43% | 3.04% | 3.03% | 13.36%
2024 | 3.80% | 12.90% | 1.15% | 1.81% | 3.36% | 3.52% | 3.99% | 13.80%
2025 | 2.78% | 11.83% | 0.47% | 1.79% | 3.30% | 3.76% | 3.25% | 14.09%
2026 | 2.69% | 10.58% | 0.14% | 1.77% | 3.25% | 3.83% | 2.98% | 14.24%
2027 | 2.56% | 9.38% | 0.17% | 1.76% | 3.19% | 3.78% | 2.96% | 14.23%
| Peru | Argentina | Colombia
Date | GDP | Unemployment | GDP | Unemployment | GDP | Unemployment
2022 | 1.99% | 9.04% | 3.50% | 12.35% | 4.46% | 12.26%
2023 | 2.82% | 8.62% | 2.00% | 10.40% | 2.54% | 12.05%
2024 | 2.56% | 7.75% | 2.00% | 8.60% | 3.21% | 11.44%
2025 | 2.29% | 7.66% | 2.50% | 7.38% | 3.53% | 10.59%
2026 | 2.26% | 7.33% | 2.50% | 7.38% | 3.53% | 9.93%
2027 | 2.17% | 7.14% | 2.50% | 7.30% | 3.56% | 9.52%
Negative scenario of GDP, unemployment rate and HPI for the main geographies [Table Text Block] |
Negative scenario of GDP, unemployment rate and HPI for the main geographies
| Spain | Mexico | Turkey
Date | GDP | Unemployment | HPI | GDP | Unemployment | HPI | GDP | Unemployment
2022 | 3.54% | 15.34% | (3.35)% | 0.39% | 3.68% | 1.33% | (1.48)% | 13.38%
2023 | 2.82% | 15.40% | 1.93% | 1.50% | 3.62% | 2.83% | 0.39% | 14.80%
2024 | 3.72% | 14.48% | 0.57% | 1.72% | 3.53% | 3.33% | 3.84% | 14.45%
2025 | 2.74% | 13.40% | (0.17)% | 1.73% | 3.44% | 3.68% | 3.16% | 14.33%
2026 | 2.65% | 12.10% | (0.62)% | 1.72% | 3.38% | 3.83% | 2.91% | 14.42%
2027 | 2.53% | 10.88% | (0.59)% | 1.72% | 3.32% | 3.78% | 2.88% | 14.39%
| Peru | Argentina | Colombia
Date | GDP | Unemployment | GDP | Unemployment | GDP | Unemployment
2022 | (0.66)% | 9.18% | (1.25)% | 13.17% | 3.06% | 12.46%
2023 | 1.02% | 8.87% | (1.25)% | 11.41% | 1.63% | 12.33%
2024 | 2.41% | 7.98% | 1.79% | 9.33% | 3.20% | 11.71%
2025 | 2.29% | 7.87% | 2.37% | 7.88% | 3.54% | 10.86%
2026 | 2.26% | 7.54% | 2.34% | 7.84% | 3.53% | 10.18%
2027 | 2.17% | 7.35% | 2.35% | 7.79% | 3.56% | 9.59%
Expected loss variation as of June [Table Text Block] | Variation in expected loss is determined both by re-staging (that is: in worse scenarios due to the recognition of lifetime credit losses for additional operations that are transferred to stage 2 from stage 1 where 12 months of losses are valued; or vice versa in improvement scenarios) as well as variations in the collective risk parameters (PD and LGD) of each financial instrument due to the changes defined in the macroeconomic forecasts of the scenario.
June 2022 (*)
| BBVA Group | Spain | Mexico | Turkey
GDP | Total | Retail | Mortgages | Wholesaler | Fixed income | Total | Mortgages | Companies | Total | Mortgages | Cards | Total | Mortgages | Cards
-100 bps | 2.58% | 2.46% | 1.89% | 3.33% | 1.35% | 2.82% | 1.96% | 4.12% | 3.14% | 1.83% | 4.65% | 2.37% | 2.36% | 2.47%
+100 bps | (2.35)% | (2.24)% | (1.64)% | (2.98)% | (1.43)% | (2.53)% | (1.70)% | (3.65)% | (2.97)% | (1.69)% | (4.40)% | (1.94)% | (2.05)% | (1.88)%
Housing price |  |  |  |  |  |  |  |  |  |  |  |  |  |
-100 bps |  |  |  |  |  |  | 3.37% | 0.28% |  | 1.96% |  |  |  |
+100 bps |  |  |  |  |  |  | (3.34)% | (0.28)% |  | (1.83)% |  |  |  |
(*) Last available data as of May 31, 2022.
Changes In Loss Allowances Of Loans And Advances At Amortized Cost [Table Text Block] | Below are the changes in the six months ended June 30, 2022, and the year ended December 31, 2021 in the loss allowances recognized on the accompanying condensed consolidated balance sheets to cover the estimated impairment or reversal of impairment on loans and advances of financial assets at amortized cost:
Changes in loss allowances of loans and advances at amortized cost (Millions of Euros)
| June 2022 | December 2021
Balance at the beginning of the period | (11,142) | (12,141)
Increase in loss allowances charged to income | (4,366) |  | (9,000) |
Stage 1 | (1,158) |  | (1,563) |
Stage 2 | (712) |  | (1,200) |
Stage 3 | (2,497) |  | (6,237) |
Decrease in loss allowances charged to income | 2,937 |  | 5,969 |
Stage 1 | 942 |  | 1,441 |
Stage 2 | 864 |  | 1,210 |
Stage 3 | 1,131 |  | 3,318 |
Transfer to written-off loans, exchange differences and other | 846 |  | 4,031 |
Closing balance | (11,724) | (11,142)

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