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Note 23 (Tables)
 12 Months Ended
Dec. 31, 2022
Assets and Liabilities under reinsurance and insurance contracts [Abstract]  
Liabilities Under Insurance Contracts And Reinsurance Contracts Issued [Table Text Block]
The most significant provisions recognized by consolidated insurance subsidiaries with respect to insurance policies issued by them are under the heading “Liabilities under insurance and reinsurance contracts” in the consolidated balance sheets. The breakdown of the balance under this heading is as follows:
Technical reserves (Millions of Euros)
202220212020
Mathematical reserves10,3969,4958,731
Individual life insurance (1)
8,6827,2656,268
Group insurance (2)
1,7142,2302,463
Provision for unpaid claims reported612706672
Provisions for unexpired risks and other provisions839664548
Total11,84810,8659,951
(1) Provides coverage in the event of death, disability and serious illness.
(2) The insurance policies purchased by employers (other than BBVA Group) on behalf of their employees.
Maturity of liabilities under insurance and reinsurance contracts [Table Text Block]
The cash flows of those “Liabilities under insurance and reinsurance contracts” are shown below:
Maturity (Millions of Euros). Liabilities under insurance and reinsurance contracts
Up to 1 year1 to 3 years3 to 5 yearsOver 5 yearsTotal
20222,2647321,8367,01611,848
20211,8082901,6647,10310,865
20201,2279501,6166,1589,951
Mathematical reserves [Table Text Block]
The table below shows the key assumptions as of December 31, 2022, 2021 and 2020 used in the calculation of the mathematical reserves for insurance products in Spain and Mexico, respectively:
Mathematical reserves
202220212020
Mortality tableAverage technical interest rateMortality tableAverage technical interest rateMortality tableAverage technical interest rate
Spain MexicoSpainMexicoSpainMexicoSpainMexicoSpainMexicoSpainMexico
Individual life insurance (1)
GRMF 80-2,
GKM 80 / GKMF 95, PASEM,
GKMF 80/95,
PERFM 2000		Tables of the Comisión Nacional de Seguros y Fianzas 2000-individual

Table of CNSF M 2013		0.25%- 2.85%4.30%GRMF 80-2,
GKM 80 / GKMF 95, PASEM,
GKMF 80/95,
PERFM 2000		Tables of the Comisión Nacional de Seguros y Fianzas 2000-individual0.24%- 2.85%3.60 %GRMF 80-2,
GKM 80 / GKMF 95, PASEM,
GKMF 80/95,
PERFM 2000		Tables of the Comisión Nacional de Seguros y Fianzas 2000-individual0.25%- 2.87%2.50 %
Group insurance (2)
PERFM 2000Tables of the Comisión Nacional de Seguros y Fianzas 2000-grupoDepending on the related portfolio5.50%PERFM 2000Tables of the Comisión Nacional de Seguros y Fianzas 2000-grupoDepending on the related portfolio5.50 %PERFM 2000Tables of the Comisión Nacional de Seguros y Fianzas 2000-grupoDepending on the related portfolio5.50 %
(1) Provides coverage in the case of one or more of the following events: death, disability and / or serious illness.
(2) Insurance policies purchased by companies (other than BBVA Group entities) on behalf of their employees.