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financial statements 2015

Consolidated balance sheets

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Consolidated balance sheets as of December 31, 2015, 2014 and 2013
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ASSETS Notes Millions of Euros
2015 2014 (*) 2013 (*)
CASH AND BALANCES WITH CENTRAL BANKS 9 43,467 31,430 34,903
FINANCIAL ASSETS HELD FOR TRADING 10 78,326 83,258 72,112
Loans and advances to credit institutions
- - -
Loans and advances to customers
65 128 107
Debt securities
32,825 33,883 29,602
Equity instruments
4,534 5,017 4,766
Trading derivatives
40,902 44,229 37,638
OTHER FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS 11 2,311 2,761 2,413
Loans and advances to credit institutions
62 - -
Loans and advances to customers
- - -
Debt securities
173 737 663
Equity instruments
2,075 2,024 1,750
AVAILABLE-FOR-SALE FINANCIAL ASSETS 12 113,426 94,875 77,774
Debt securities
108,310 87,608 71,806
Equity instruments
5,116 7,267 5,968
LOANS AND RECEIVABLES 13 457,644 372,375 350,945
Loans and advances to credit institutions
32,962 27,059 22,862
Loans and advances to customers
414,165 338,657 323,607
Debt securities
10,516 6,659 4,476
HELD-TO-MATURITY INVESTMENTS
- - -
FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK 14 45 121 98
HEDGING DERIVATIVES 14 3,538 2,551 2,530
NON-CURRENT ASSETS HELD FOR SALE 15 3,369 3,793 2,880
INVESTMENTS IN ENTITIES ACCOUNTED FOR USING THE EQUITY METHOD 16 879 4,509 4,742
Associates
636 417 1,272
Joint ventures
243 4,092 3,470
INSURANCE CONTRACTS LINKED TO PENSIONS
- - -
REINSURANCE ASSETS 22 511 559 619
TANGIBLE ASSETS 17 9,944 7,820 7,534
Property, plants and equipment
8,477 6,428 5,841
For own use
8,021 5,985 5,373
Other assets leased out under an operating lease
456 443 468
Investment properties
1,467 1,392 1,693
INTANGIBLE ASSETS 18 10,275 7,371 6,759
Goodwill
6,811 5,697 5,069
Other intangible assets
3,464 1,673 1,690
TAX ASSETS 19 17,779 12,426 11,704
Current
1,901 2,035 2,502
Deferred
15,878 10,391 9,202
OTHER ASSETS 20 8,566 8,094 7,684
Inventories
4,303 4,443 4,636
Rest
4,263 3,651 3,048
TOTAL ASSETS
750,078 631,942 582,697
(*) Presented for comparison purposes only (Note 1.3).

The accompanying Notes 1 to 56 and Appendices I to XIV are an integral part of the consolidated balance sheet as of December 31, 2015.

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LIABILITIES AND EQUITY Notes Millions of Euros
2015 2014 (*) 2013 (*)
FINANCIAL LIABILITIES HELD FOR TRADING 10 55,203 56,798 45,648
Deposits from central banks
- - -
Deposits from credit institutions
- - -
Customer deposits
- - -
Debt certificates
- - -
Trading derivatives
42,149 45,052 38,119
Short positions
13,053 11,747 7,529
Other financial liabilities
- - -
OTHER FINANCIAL LIABILITIES DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS 11 2,649 2,724 2,467
Deposits from central banks
- - -
Deposits from credit institutions
- - -
Customer deposits
- - -
Debt certificates
- - -
Subordinated liabilities
- - -
Other financial liabilities
2,649 2,724 2,467
FINANCIAL LIABILITIES AT AMORTIZED COST 21 606,113 491,899 464,549
Deposits from central banks
40,087 28,193 30,893
Deposits from credit institutions
68,543 65,168 52,423
Customer deposits
403,069 319,060 300,490
Debt certificates
66,165 58,096 64,120
Subordinated liabilities
16,109 14,095 10,556
Other financial liabilities
12,141 7,288 6,067
FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK 14 358 - -
HEDGING DERIVATIVES 14 2,726 2,331 1,792
LIABILITIES ASSOCIATED WITH NON-CURRENT ASSETS HELD FOR SALE
- - -
LIABILITIES UNDER INSURANCE CONTRACTS 22 9,407 10,460 9,834
PROVISIONS 23 8,852 7,444 6,853
Provisions for pensions and similar obligations 24 6,299 5,970 5,512
Provisions for taxes and other legal contingencies
370 262 208
Provisions for contingent risks and commitments
714 381 346
Other provisions
1,469 831 787
TAX LIABILITIES 19 4,721 4,157 2,530
Current
1,238 980 993
Deferred
3,483 3,177 1,537
OTHER LIABILITIES 20 4,610 4,519 4,460
TOTAL LIABILITIES
694,638 580,333 538,133
STOCKHOLDERS’ FUNDS
50,639 49,446 46,025
Common Stock 25 3,120 3,024 2,835
Issued
3,120 3,024 2,835
Unpaid and uncalled (-)
- - -
Share premium 26 23,992 23,992 22,111
Reserves 27 22,512 20,936 19,767
Accumulated reserves (losses)
22,610 20,304 19,317
Reserves (losses) of entities accounted for using the equity method
(98) 633 450
Other equity instruments 43.1.1 35 67 59
Equity component of compound financial instruments
- - -
Other equity instruments
35 67 59
Less: Treasury stock 28 (309) (350) (66)
Income attributed to the parent company
2,642 2,618 2,084
Less: Dividends and remuneration
(1,352) (841) (765)
VALUATION ADJUSTMENTS 29 (3,349) (348) (3,831)
Available-for-sale financial assets
1,674 3,816 851
Cash flow hedging
(49) (46) 8
Hedging of net investment in foreign transactions
(274) (373) (100)
Exchange differences
(3,905) (2,173) (3,023)
Non-current assets held-for-sale
- - 3
Entities accounted for using the equity method
64 (796) (1,130)
Other valuation adjustments
(859) (777) (440)
NON-CONTROLLING INTEREST 30 8,149 2,511 2,371
Valuation adjustments
(1,346) (53) 70
Rest
9,495 2,563 2,301
TOTAL EQUITY
55,439 51,609 44,565
TOTAL LIABILITIES AND EQUITY
750,078 631,942 582,697
MEMORANDUM ITEM Notes Millions of Euros
2015 2014 (*) 2013 (*)
CONTINGENT RISKS 32 49,876 33,741 33,543
CONTINGENT COMMITMENTS 32 135,733 106,252 94,170
(*) Presented for comparison purposes only (Note 1.3).

The accompanying Notes 1 to 56 and Appendices I to XIV are an integral part of the consolidated balance sheet as of December 31, 2015.

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