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financial statements 2013

APPENDIX XII. 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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December 2013 Millions of Euros



Collateralized Credit Risk. Loan to value
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. (***) Non profit institutions serving households.

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

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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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