BBVA in 2013

Loans and advances to customers

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Loans and advances to customers (gross) closed December 2013 at €350 billion. This represents a decline over the year of 4.7% (a fall of 0.8% at constant exchange rates).

Loans and advances to customers

(Million euros)

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31-12-13 Δ % 31-12-12 31-12-11
Domestic sector 167,670 (12.1) 190,817 192,442
Public sector 22,128 (12.9) 25,399 25,509
Other domestic sectors 145,542 (12.0) 165,417 166,933
Secured loans 93,446 (11.6) 105,664 99,175
Other loans 52,095 (12.8) 59,753 67,758
Non-domestic sector 156,615 0.2 156,312 153,222
Secured loans 62,401 1.0 61,811 60,655
Other loans 94,214 (0.3) 94,500 92,567
Non-performing loans 25,826 27.3 20,287 15,647
Domestic sector 20,985 38.4 15,159 11,042
Non-domestic sector 4,841 (5.6) 5,128 4,604
Loans and advances to customers (gross) 350,110 (4.7) 367,415 361,310
Loan-loss provisions (15,366) 6.1 (14,484) (9,410)
Loans and advances to customers 334,744 (5.2) 352,931 351,900
BBVA Group. Loans and advances to customers (gross)

(Billion euros)

(1) At constant exchange rates: +0,8%.

By headings there has been a general decline in each of the items of the domestic sector, as a result of the deleveraging process in the Spanish economy mentioned above and the early repayment under the Supplier Payment Fund. The non-domestic sector was negatively affected by the depreciation of exchange rates over the year.

By geographical areas there was a decline in Spain and in the wholesale business in Europe, but an increase in the United States (thanks to the good performance of the target portfolios: commercial, residential real estate and, to a lesser extent, consumer finance), renewed progress in Turkey, as well as the strength of Mexico and South America.

BBVA Group. Geographical breakdown of loans and advances to customer (gross)


Finally, non-performing loans increased by 27.3% since 2012 up to €26 billion. This rise is above all the result of increased balances in the domestic sector (up 38.4% year-on-year), which has been strongly influenced by the classification of refinanced loans made in the third quarter in Spain. The impact of the classification has been felt particularly strongly in the retail mortgage portfolio, even though at the present date a high percentage of that portfolio is held by customers who are up to date with their payments. The volume in the non-domestic sector has fallen by 5.6% due once more to the influence of exchange rates.