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Note 6 (Tables) | 6 Months Ended
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Jun. 30, 2024
Risk Management [Abstract] |
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, 2024 and December 31, 2023 is provided below. It does not consider the loss allowances and the availability of collateral or other credit enhancements to ensure compliance with payment obligations. The details are broken down by category of financial instruments:
Maximum credit risk exposure (Millions of Euros)
| Notes | June 2024 | Stage 1 | Stage 2 | Stage 3
Financial assets held for trading |  | 90,638 |  |  |
Equity instruments | 9 | 7,699 |  |  |
Debt securities | 9 | 31,947 |  |  |
Loans and advances | 9 | 50,992 |  |  |
Non-trading financial assets mandatorily at fair value through profit or loss |  | 10,584 |  |  |
Equity instruments | 10 | 9,646 |  |  |
Debt securities | 10 | 653 |  |  |
Loans and advances | 10 | 285 |  |  |
Financial assets designated at fair value through profit or loss | 11 | 856 |  |  |
Derivatives (trading and hedging) |  | 50,321 |  |  |
Financial assets at fair value through other comprehensive income |  | 60,820 |  |  |
Equity instruments | 12 | 1,382 |  |  |
Debt securities |  | 59,413 | 56,944 | 2,448 | 21
Loans and advances to credit institutions | 12 | 25 | 25 | — | —
Financial assets at amortized cost |  | 492,523 | 440,370 | 37,441 | 14,712
Debt securities |  | 58,518 | 58,326 | 157 | 35
Loans and advances to central banks |  | 7,367 | 7,367 | — | —
Loans and advances to credit institutions |  | 21,617 | 21,193 | 420 | 4
Loans and advances to customers |  | 405,021 | 353,484 | 36,864 | 14,672
Total financial assets risk |  | 705,742 |  |  |
Total loan commitments and financial guarantees |  | 257,316 | 247,913 | 8,443 | 960
Loan commitments given | 30 | 187,331 | 181,227 | 5,907 | 197
Financial guarantees given | 30 | 20,464 | 19,466 | 785 | 214
Other commitments given | 30 | 49,521 | 47,220 | 1,751 | 550
Total maximum credit exposure |  | 963,058 |  |  |
Maximum credit risk exposure (Millions of Euros)
| Notes | December 2023 | Stage 1 | Stage 2 | Stage 3
Financial assets held for trading |  | 106,749 |  |  |
Equity instruments | 9 | 4,589 |  |  |
Debt securities | 9 | 28,569 |  |  |
Loans and advances | 9 | 73,590 |  |  |
Non-trading financial assets mandatorily at fair value through profit or loss |  | 8,737 |  |  |
Equity instruments | 10 | 7,963 |  |  |
Debt securities | 10 | 484 |  |  |
Loans and advances | 10 | 290 |  |  |
Financial assets designated at fair value through profit or loss | 11 | 955 |  |  |
Derivatives (trading and hedging) |  | 48,747 |  |  |
Financial assets at fair value through other comprehensive income |  | 62,289 |  |  |
Equity instruments | 12 | 1,217 |  |  |
Debt securities |  | 61,047 | 60,255 | 771 | 21
Loans and advances to credit institutions | 12 | 26 | 26 | — | —
Financial assets at amortized cost |  | 463,130 | 410,590 | 38,061 | 14,478
Debt securities |  | 49,544 | 49,403 | 108 | 32
Loans and advances to central banks |  | 7,176 | 7,176 | — | —
Loans and advances to credit institutions |  | 17,498 | 17,478 | 18 | 2
Loans and advances to customers |  | 388,912 | 336,533 | 37,935 | 14,444
Total financial assets risk |  | 690,606 |  |  |
Total loan commitments and financial guarantees |  | 214,283 | 204,842 | 8,411 | 1,030
Loan commitments given | 30 | 152,868 | 147,376 | 5,326 | 165
Financial guarantees given | 30 | 18,839 | 17,612 | 998 | 229
Other commitments given | 30 | 42,577 | 39,854 | 2,087 | 636
Total maximum credit exposure |  | 904,889 |  |  |
Maximum credit risk exposure, accumulated allowances and carrying amount by geographical location [Table Text Block] | The breakdown by geographical area 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, 2024 and December 31, 2023 is shown below:
June 2024 (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 ⁽¹⁾ | 222,339 | 192,728 | 21,575 | 8,035 | (4,518) | (501) | (606) | (3,411) | 217,821 | 192,227 | 20,970 | 4,625
Mexico | 92,707 | 83,478 | 6,704 | 2,525 | (3,037) | (1,138) | (597) | (1,302) | 89,671 | 82,340 | 6,108 | 1,223
Turkey ⁽²⁾ | 43,816 | 38,287 | 3,775 | 1,754 | (1,643) | (179) | (304) | (1,160) | 42,174 | 38,108 | 3,472 | 594
South America ⁽³⁾ | 45,026 | 37,889 | 4,791 | 2,346 | (2,010) | (296) | (349) | (1,364) | 43,016 | 37,593 | 4,442 | 982
Others | 1,132 | 1,102 | 18 | 13 | (11) | — | (1) | (9) | 1,122 | 1,101 | 17 | 4
Total ⁽⁴⁾ | 405,021 | 353,484 | 36,864 | 14,672 | (11,218) | (2,115) | (1,857) | (7,246) | 393,803 | 351,369 | 35,007 | 7,426
Of which: individual |  |  |  |  | (1,562) | (14) | (390) | (1,158) |  |  |  |
Of which: collective |  |  |  |  | (9,656) | (2,101) | (1,466) | (6,089) |  |  |  |
(1) Spain includes all the countries where BBVA, S.A. operates. (2) Turkey includes all the countries in which Garanti BBVA operates. (3) In South America, BBVA Group operates in Argentina, Colombia, Peru and Uruguay. (4) 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, 2024, the remaining balance was €122 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 2023 (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 ⁽¹⁾ | 214,522 | 183,503 | 22,953 | 8,066 | (4,593) | (503) | (714) | (3,375) | 209,929 | 183,000 | 22,239 | 4,690
Mexico | 91,086 | 81,619 | 6,995 | 2,472 | (3,049) | (1,097) | (620) | (1,332) | 88,037 | 80,522 | 6,375 | 1,140
Turkey ⁽²⁾ | 39,058 | 34,105 | 3,234 | 1,719 | (1,641) | (167) | (314) | (1,160) | 37,416 | 33,938 | 2,920 | 559
South America ⁽³⁾ | 43,151 | 36,237 | 4,738 | 2,176 | (1,976) | (319) | (377) | (1,280) | 41,175 | 35,918 | 4,362 | 896
Others | 1,094 | 1,069 | 15 | 11 | (10) | — | (1) | (8) | 1,085 | 1,068 | 14 | 2
Total ⁽⁴⁾ | 388,912 | 336,533 | 37,935 | 14,444 | (11,269) | (2,087) | (2,026) | (7,156) | 377,643 | 334,446 | 35,909 | 7,287
Of which: individual |  |  |  |  | (1,665) | (15) | (471) | (1,179) |  |  |  |
Of which: collective |  |  |  |  | (9,604) | (2,072) | (1,555) | (5,977) |  |  |  |
(1) Spain includes all the countries where BBVA, S.A. operates. (2) Turkey includes all the countries in which Garanti BBVA operates. (3) In South America, the BBVA Group operates in Argentina, Colombia, Peru and Uruguay. (4) 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, 2023, the remaining balance was €142 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, 2024 and December 31, 2023 is shown below:
June 2024 (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 | — | 9 | — | 57 | 2,739 | 1,596 | 4,402 | 4,566
Credit card debt | — | 1 | — | 3 | 1,958 | 22,574 | 24,536 | 26,232
Commercial debtors |  | 815 | 95 | 766 | 24,576 | 101 | 26,353 | 26,568
Finance leases | — | 198 | — | 11 | 9,241 | 278 | 9,728 | 9,977
Reverse repurchase loans | 287 | — | 8,548 | 65 | — | — | 8,900 | 8,902
Other term loans | 6,673 | 22,093 | 7,008 | 10,078 | 140,595 | 151,829 | 338,275 | 347,130
Advances that are not loans | 396 | 205 | 5,978 | 3,047 | 879 | 374 | 10,879 | 10,941
LOANS AND ADVANCES | 7,355 | 23,321 | 21,629 | 14,028 | 179,988 | 176,751 | 423,072 | 434,315
By secured loans |  |  |  |  |  |  |  |
Of which: mortgage loans collateralized by immovable property |  | 256 | — | 699 | 26,938 | 97,719 | 125,612 | 128,382
Of which: other collateralized loans | 286 | 6,721 | 7,319 | 496 | 10,972 | 2,491 | 28,284 | 28,550
By purpose of the loan |  |  |  |  |  |  |  |
Of which: credit for consumption |  |  |  |  |  | 63,240 | 63,240 | 67,868
Of which: lending for house purchase |  |  |  |  |  | 98,776 | 98,776 | 100,419
By subordination |  |  |  |  |  |  |  |
Of which: project finance loans |  |  |  |  | 7,013 |  | 7,013 | 7,551
December 2023 (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 | — | 73 | 1,933 | 1,028 | 3,040 | 3,175
Credit card debt | — | 1 | — | 2 | 1,927 | 20,959 | 22,890 | 24,454
Commercial debtors |  | 960 | 76 | 586 | 23,462 | 88 | 25,171 | 25,346
Finance leases | — | 225 | — | 12 | 8,940 | 285 | 9,463 | 9,714
Reverse repurchase loans | 1,345 | — | 5,786 | 92 | — | — | 7,223 | 7,234
Other term loans | 4,878 | 21,662 | 5,329 | 9,300 | 134,024 | 147,491 | 322,683 | 331,813
Advances that are not loans | 927 | 412 | 6,312 | 3,186 | 956 | 324 | 12,116 | 12,164
LOANS AND ADVANCES | 7,151 | 23,265 | 17,502 | 13,251 | 171,241 | 170,175 | 402,586 | 413,901
By secured loans |  |  |  |  |  |  |  |
Of which: mortgage loans collateralized by immovable property |  | 271 | — | 526 | 24,829 | 96,772 | 122,397 | 125,328
Of which: other collateralized loans | 1,347 | 6,933 | 4,558 | 465 | 10,938 | 2,430 | 26,671 | 26,963
By purpose of the loan |  |  |  |  |  |  |  |
Of which: credit for consumption |  |  |  |  |  | 59,892 | 59,892 | 64,303
Of which: lending for house purchase |  |  |  |  |  | 97,555 | 97,555 | 99,224
By subordination |  |  |  |  |  |  |  |
Of which: project finance loans |  |  |  |  | 7,181 |  | 7,181 | 7,743
Guarantees Received [Table Text Block] | The value of guarantees received as of June 30, 2024 and December 31, 2023, is as follows:
Guarantees received (Millions of Euros) |  |
| June 2024 | December 2023
Value of collateral | 140,616 | 136,141
Of which: guarantees normal risks under special monitoring | 13,890 | 14,274
Of which: guarantees impaired risks | 3,985 | 4,035
Value of other guarantees | 55,952 | 53,462
Of which: guarantees normal risks under special monitoring | 4,848 | 4,864
Of which: guarantees impaired risks | 1,306 | 1,226
Total value of guarantees received | 196,568 | 189,602
Impaired Secured Loans [Table Text Block] | The breakdown of loans and advances, within the heading “Financial assets at amortized cost”, including their gross carrying amount, impaired loans and advances, and accumulated impairment, by counterparties as of June 30, 2024 and December 31, 2023, is as follows:
June 2024 (Millions of Euros)
| Gross carrying amount | Impaired loans and advances | Accumulated impairment | Impaired loans and advances as a % of the total
Central banks | 7,367 | — | (11) | — | %
General governments | 23,341 | 28 | (20) | 0.1 | %
Credit institutions | 21,617 | 4 | (14) | — | %
Other financial corporations | 14,052 | 12 | (25) | 0.1 | %
Non-financial corporations | 183,914 | 5,524 | (4,102) | 3.0 | %
Households | 183,713 | 9,109 | (7,070) | 5.0 | %
LOANS AND ADVANCES | 434,005 | 14,677 | (11,242) | 3.4 | %
December 2023 (Millions of Euros)
| Gross carrying amount | Impaired loans and advances | Accumulated impairment | Impaired loans and advances as a % of the total
Central banks | 7,176 | — | (25) | — | %
General governments | 23,294 | 25 | (29) | 0.1 | %
Credit institutions | 17,498 | 2 | (21) | — | %
Other financial corporations | 13,271 | 12 | (20) | 0.1 | %
Non-financial corporations | 175,337 | 5,520 | (4,274) | 3.2 | %
Households | 177,009 | 8,886 | (6,946) | 5.0 | %
LOANS AND ADVANCES | 413,585 | 14,446 | (11,316) | 3.5 | %
Changes in impaired financial assets and guarantees given [Table Text Block] | The changes during the six months ended June 30, 2024, and the year ended December 31, 2023 of impaired financial assets (financial assets and guarantees given) are as follows:
Changes in impaired financial assets and guarantees given (Millions of Euros)
| June 2024 | December 2023
Balance at the beginning | 15,362 | 14,521
Additions | 6,114 | 11,066
Decreases ⁽¹⁾ | (3,027) | (5,795)
Net additions | 3,087 | 5,272
Amounts written-off | (2,426) | (3,770)
Exchange differences and other | (529) | (660)
Balance at the end | 15,495 | 15,362
(1) 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, 2024:
Positive scenario of GDP, unemployment rate and HPI for the main geographical areas
| Spain | Mexico | Turkey
Date | GDP | Unemployment | HPI | GDP | Unemployment | HPI | GDP | Unemployment
2024 | 2.90% | 9.94% | 2.07% | 2.95% | 2.77% | 5.06% | 5.00% | 9.24%
2025 | 4.37% | 8.72% | 4.96% | 4.68% | 2.98% | 5.29% | 7.67% | 9.50%
2026 | 6.23% | 8.01% | 7.38% | 4.57% | 2.89% | 4.87% | 6.97% | 9.12%
2027 | 7.07% | 7.54% | 7.98% | 4.29% | 2.76% | 5.10% | 5.55% | 9.20%
2028 | 6.93% | 7.25% | 7.40% | 3.88% | 2.65% | 5.16% | 5.13% | 9.37%
2029 | 6.20% | 7.18% | 6.25% | 3.64% | 2.77% | 5.38% | 5.00% | 9.52%
| Peru | Argentina | Colombia
Date | GDP | Unemployment | GDP | Unemployment | GDP | Unemployment
2024 | 3.11% | 7.02% | (1.99)% | 10.25% | 2.65% | 10.69%
2025 | 4.02% | 6.73% | 14.61% | 8.09% | 4.51% | 10.64%
2026 | 4.13% | 6.59% | 15.37% | 6.27% | 4.74% | 9.93%
2027 | 4.19% | 6.47% | 13.85% | 4.98% | 4.33% | 9.20%
2028 | 3.77% | 6.38% | 12.85% | 4.18% | 4.29% | 8.59%
2029 | 3.59% | 6.29% | 12.04% | 3.79% | 4.64% | 8.01%
Estimate of GDP, unemployment rate and HPI for the main geographies [Table Text Block] |
Estimate of GDP, unemployment rate and HPI for the main geographical areas
| Spain | Mexico | Turkey
Date | GDP | Unemployment | HPI | GDP | Unemployment | HPI | GDP | Unemployment
2024 | 2.54% | 11.35% | 1.77% | 2.50% | 2.79% | 5.03% | 3.50% | 9.40%
2025 | 2.08% | 10.80% | 2.34% | 2.44% | 3.15% | 5.32% | 3.47% | 10.58%
2026 | 2.05% | 10.28% | 2.34% | 2.58% | 3.15% | 4.43% | 3.79% | 10.80%
2027 | 1.93% | 9.88% | 1.92% | 2.52% | 3.06% | 4.42% | 3.45% | 10.98%
2028 | 1.77% | 9.58% | 1.56% | 2.21% | 2.97% | 4.32% | 3.54% | 11.00%
2029 | 1.65% | 9.49% | 1.39% | 2.02% | 3.08% | 4.40% | 3.53% | 11.00%
| Peru | Argentina | Colombia
Date | GDP | Unemployment | GDP | Unemployment | GDP | Unemployment
2024 | 2.88% | 7.03% | (3.99)% | 10.38% | 1.76% | 10.79%
2025 | 2.74% | 6.82% | 6.02% | 8.80% | 2.83% | 11.07%
2026 | 2.70% | 6.77% | 4.51% | 7.55% | 3.36% | 10.56%
2027 | 2.88% | 6.71% | 3.45% | 6.58% | 3.05% | 9.96%
2028 | 2.57% | 6.66% | 3.47% | 5.85% | 3.04% | 9.46%
2029 | 2.46% | 6.61% | 3.51% | 5.35% | 3.41% | 8.96%
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 geographical areas
| Spain | Mexico | Turkey
Date | GDP | Unemployment | HPI | GDP | Unemployment | HPI | GDP | Unemployment
2024 | 2.18% | 12.76% | 1.46% | 2.11% | 2.80% | 5.02% | 2.71% | 9.49%
2025 | 0.01% | 12.86% | (0.04)% | 0.69% | 3.29% | 5.32% | 0.58% | 11.25%
2026 | (1.72)% | 12.51% | (2.08)% | 0.89% | 3.37% | 4.10% | 1.34% | 11.98%
2027 | (2.81)% | 12.19% | (3.48)% | 1.03% | 3.32% | 3.85% | 2.19% | 12.20%
2028 | (3.10)% | 11.89% | (3.76)% | 0.75% | 3.24% | 3.62% | 2.77% | 12.04%
2029 | (2.65)% | 11.66% | (3.04)% | 0.57% | 3.36% | 3.58% | 2.53% | 11.93%
| Peru | Argentina | Colombia
Date | GDP | Unemployment | GDP | Unemployment | GDP | Unemployment
2024 | 1.84% | 7.08% | (5.21)% | 10.45% | 0.71% | 10.89%
2025 | 0.34% | 7.03% | 1.59% | 9.19% | 0.27% | 11.66%
2026 | 0.51% | 7.10% | (0.75)% | 8.23% | 1.40% | 11.47%
2027 | 0.83% | 7.14% | (1.73)% | 7.42% | 1.40% | 11.03%
2028 | 0.63% | 7.16% | (1.50)% | 6.75% | 1.48% | 10.64%
2029 | 0.60% | 7.16% | (1.32)% | 5.96% | 1.87% | 10.22%
Expected loss variation [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 or probability of default and LGD or loss given default) of each financial instrument due to the changes defined in the macroeconomic forecasts of the scenario. The variation in the expected loss for the Group and the main portfolios and geographical areas as of June 30, 2024 and December 31, 2023, is shown below:
Expected loss variation as of June 2024 ⁽¹⁾
| BBVA Group | Spain | Mexico | Turkey
GDP | Total Portfolio | Retail | Companies | Debt securities | Total Portfolio | Companies | Retail | Total Portfolio | Companies | Retail | Total Portfolio | Companies | Retail
-100 bps | 208 | 180 | 24 | 4 | 53 | 11 | 42 | 100 | 3 | 96 | 21 | 9 | 11
+100 bps | (197) | (161) | (14) | (4) | (52) | (11) | (41) | (94) | (2) | (90) | (19) | (8) | (10)
Housing price |  |  |  |  |  |  |  |  |  |  |  |  |
-100 bps |  |  |  |  |  | — | 26 |  |  |  |  |  |
+100 bps |  |  |  |  |  | — | (25) |  |  |  |  |  |
(1) Last available data as of May 31, 2024 including macroeconomic scenarios of June 2024.
Expected loss variation as of December 31, 2023
| BBVA Group | Spain | Mexico | Turkey
GDP | Total Portfolio | Retail | Companies | Debt securities | Total Portfolio | Companies | Retail | Total Portfolio | Companies | Retail | Total Portfolio | Companies | Retail
-100 bps | 222 | 188 | 28 | 2 | 61 | 14 | 47 | 94 | 2 | 92 | 22 | 9 | 11
+100 bps | (191) | (165) | (23) | (2) | (58) | (13) | (45) | (89) | (2) | (87) | (21) | (9) | (11)
Housing price |  |  |  |  |  |  |  |  |  |  |  |  |
-100 bps |  |  |  |  |  | — | 32 |  |  |  |  |  |
+100 bps |  |  |  |  |  | — | (32) |  |  |  |  |  |
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, 2024, and the year ended December 31, 2023 in the loss allowances recognized on the 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 2024 | December 2023
Balance at the beginning of the period | (11,316) | (11,291)
Increase in loss allowances charged to income | (6,149) |  | (9,366) |
Stage 1 | (949) |  | (1,738) |
Stage 2 | (886) |  | (1,940) |
Stage 3 | (4,314) |  | (5,688) |
Decrease in loss allowances charged to income | 3,305 |  | 5,072 |
Stage 1 | 840 |  | 1,389 |
Stage 2 | 908 |  | 1,317 |
Stage 3 | 1,557 |  | 2,366 |
Transfer to written-off loans, exchange differences and other | 2,918 |  | 4,270 |
Balance at the end of the period | (11,242) | (11,316)
Wholesale financing operations carried out by group entities [Table Text Block] | The main wholesale financing transactions carried out by the BBVA Group during the first half of 2024 are listed below:
Issuer | Type of issue | Date of issue | Nominal (millions) | Currency | Coupon | Early redemption | Maturity date
BBVA, S.A. | Senior preferred | Jan-24 | 1,250 | EUR | 3.875 % | — | Jan-34
Tier 2 | Feb-24 | 1,250 | EUR | 4.875 % | Nov-30 to Feb-31 | Feb-36
Senior preferred | Mar-24 | 1,000 | USD | 5.381 % | — | Mar-29
Senior non-preferred | Mar-24 | 1,000 | USD | 6.033 % | — | Mar-35
Senior preferred (green bond) | Mar-24 | 1,000 | EUR | 3.500 % | — | Mar-31
Senior preferred | Jun-24 | 1,000 | EUR | 3 month Euribor rate + 45 basis points | — | Jun-27
Senior preferred | Jun-24 | 750 | EUR | 3.625 % | — | Jun-30
AT1 (CoCo) | Jun-24 | 750 | EUR | 6.875 % | Dec-30 to Jun-31 | Perpetual

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