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financial statements 2014

APPENDIX XI Other requirement under Bank of Spain Circular 6/2012

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a) Quantitative information on the concentration of risk by activity

LOANS AND ADVANCES TO CUSTOMERS BY ACTIVITY (carrying amount)
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Millions of Euros



Collateralized Credit Risk. Loan to value
December
2014		 TOTAL (*) Of which:
Mortgage loans 		Of which:
Secured
loans 		Less than or equal to 40% Over 40% but less than or equal to 60% Over 60% but less than or equal to 80% Over 80% but less than or equal to 100% Over 100%
1 Government agencies 38,765 2,279 4,082 389 348 448 2,005 3,171
2 Other financial institutions 16,516 649 9,951 623 371 155 8,801 650
3 Non-financial institutions and individual entrepreneurs 133,577 33,185 16,878 13,780 9,955 11,390 6,826 8,112
3.1 Construction and property development 11,896 10,697 784 2,143 2,229 2,873 1,959 2,277
3.2 Construction of civil works 6,252 1,182 609 368 327 416 368 312
3.3 Other purposes 115,429 21,306 15,485 11,269 7,399 8,101 4,499 5,523
3.3.1 Large companies 75,808 8,060 11,470 4,874 3,861 5,509 2,899 2,387
3.3.2 SMEs (**) and individual entrepreneurs 39,621 13,246 4,015 6,395 3,538 2,592 1,600 3,136
4 Rest of households and NPISHs (***) 152,533 111,298 7,950 22,050 28,301 40,428 16,448 12,021
4.1 Housing 107,549 105,542 437 18,586 25,956 37,079 14,127 10,231
4.2 Consumption 28,642 2,707 5,832 2,106 1,517 2,322 1,698 896
4.3 Other purposes 16,342 3,049 1,681 1,358 828 1,027 623 894
SUBTOTAL 341,391 147,411 38,861 36,842 38,975 52,421 34,080 23,954
5 Less: Valuation adjustments due to impairment of assets not attributable to specific operations 2,606






6 TOTAL 338,785 147,411 38,861 36,842 38,975 52,421 34,080 23,954
MEMORANDUM:







Forbereance operations 24,218 17,088 1,444 2,807 2,298 3,102 3,250 7,075
(*) The amounts included in this table are net of impairment losses. (**) Small and medium enterprises (***) Nonprofit institutions serving households. Excel Download Excel

Millions of Euros



Collateralized Credit Risk. Loan to value
December
2013		 TOTAL (*) Of which:
Mortgage
loans 		Of which:
Secured
loans 		Less than or equal to 40% Over 40% but less than or equal to 60% Over 60% but less than or equal to 80% Over 80% but less than or equal to 100% Over 100%
1 Government agencies 34,152 355 2,233 180 91 206 261 1,850
2 Other financial institutions 8,637 50 49 12 23 31 32 -
3 Non-financial institutions and individual entrepreneurs 133,593 31,258 16,996 15,751 9,352 9,813 7,089 6,251
3.1 Construction and property development 6,008 5,896 111 1,490 1,264 1,359 711 1,183
3.2 Construction of civil works 5,659 1,153 559 653 280 187 238 354
3.3 Other purposes 121,926 24,209 16,326 13,607 7,809 8,267 6,139 4,714
3.3.1 Large companies 74,290 8,685 3,267 4,223 2,552 1,505 1,549 2,123
3.3.2 SMEs (**) and individual entrepreneurs 47,636 15,524 13,059 9,384 5,257 6,762 4,590 2,591
4 Rest of households and NPISHs (***) 149,717 110,442 3,629 23,477 28,878 40,128 14,026 7,561
4.1 Housing 115,337 108,992 359 22,333 28,045 38,882 12,783 7,309
4.2 Consumption 29,430 464 2,965 636 500 1,056 1,123 114
4.3 Other purposes 4,950 986 305 508 333 191 120 139
SUBTOTAL 326,099 142,105 22,907 39,419 38,345 50,179 21,408 15,662
5 Less: Valuation adjustments due to impairment of assets not attributable to specific operations 2,385






6 TOTAL 323,714 142,105 22,907




MEMORANDUM:







Forbereance operations 23,994 18,032 419 3,418 2,404 3,156 3,572 5,901
(*) The amounts included in this table are net of impairment losses. (**) Small and medium enterprises (***) Nonprofit institutions serving households.

b) Quantitative information on the concentration of risk by activity and geographical areas.

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December 2014 Millions of Euros
TOTAL(*) Spain European
Union
Other		 America Other
Credit institutions 79,081 13,764 41,614 16,454 7,249
Government agencies 139,222 71,274 13,540 53,718 690
Central Administration 94,079 43,114 13,036 37,391 538
Other 45,143 28,160 504 16,327 152
Other financial institutions 41,477 14,639 11,811 14,772 255
Non-financial institutions and individual entrepreneurs 182,632 70,830 23,399 82,737 5,666
Construction and property development 16,468 6,946 69 9,447 6
Construction of civil works 9,436 4,025 1,615 3,723 73
Other purposes 156,728 59,859 21,715 69,567 5,587
Large companies 106,448 41,167 19,189 41,337 4,755
SMEs and individual entrepreneurs 50,280 18,692 2,526 28,230 832
Other households and NPISHs 154,287 83,501 3,438 67,109 239
Housing 109,046 74,799 2,766 31,278 203
Consumer 28,642 5,699 562 22,378 3
Other purposes 16,599 3,003 110 13,453 33
SUBTOTAL 596,699 254,008 93,802 234,790 14,099
Less: Valuation adjustments due to impairment of assets not attributable to specific operations 2,629 - - - -
TOTAL 594,070 254,008 93,802 234,790 14,099
(*) The definition of risk for the purpose of this statement includes the following items on the public balance sheet: Loans and advances to credit institutions, Loans and advances to customers, Debt securities, Other equity securities, Trading derivatives, Hedging derivatives, Investments and Contingent risks. The amounts included in this table are net of impairment losses. Excel Download Excel
December 2013 Millions of Euros
TOTAL (*) Spain European
Union
Other		 America Other
Credit institutions 62,068 15,689 28,893 8,241 9,245
Government agencies 112,738 61,343 8,797 41,629 970
Central Administration 80,847 35,255 8,291 36,540 761
Other 31,891 26,088 506 5,088 209
Other financial institutions 44,059 13,574 13,433 16,156 896
Non-financial institutions and individual entrepreneurs 175,887 77,291 21,687 71,360 5,549
Construction and property development 13,019 8,440 159 4,419 0
Construction of civil works 8,886 4,293 2,056 2,455 82
Other purposes 153,983 64,558 19,472 64,486 5,467
Large companies 98,967 43,550 16,841 33,949 4,626
SMEs and individual entrepreneurs 55,016 21,008 2,631 30,537 841
Other households and NPISHs 152,003 88,414 3,775 59,512 302
Housing 115,341 82,130 2,788 30,199 224
Consumer 29,604 2,640 492 26,469 3
Other purposes 7,058 3,645 494 2,844 75
SUBTOTAL 546,756 256,311 76,585 196,898 16,961
Less: Valuation adjustments due to impairment of assets not attributable to specific operations 2,698 - - - -
TOTAL 544,058 256,311 76,585 196,898 16,961
(*) The definition of risk for the purpose of this statement includes the following items on the public balance sheet: Loans and advances to credit institutions, Loans and advances to customers, Debt securities, Other equity securities, Trading derivatives, Hedging derivatives, Investments and Contingent risks. The amounts included in this table are net of impairment losses.

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