Income statement
(Million euros)
NET INTEREST INCOME
Net fees and commissions
Net trading income
Other income/expenses
GROSS INCOME
Operating costs
Personnel expenses
General and administrative expenses
Depreciation and amortization
OPERATING INCOME
Impairment on financial assets (net)
Provisions (net) and other gains/losses
INCOME BEFORE TAX
Income tax
NET INCOME
Minority interests
NET ATTRIBUTABLE PROFIT
MEMORANDUM ITEM: NET ATTRIBUTABLE PROFIT
EXCLUDING AMORTIZATION OF THE INTANGIBLE ASSETS
(1) At constant exchange rate.
Balance sheet
(Million euros)
Cash and balances with central banks
Financial assets
Loans and receivables
•Loans and advances to customers
•Loans and advances to credit institutions and other
Tangible assets
Other assets
TOTAL ASSETS/LIABILITIES AND EQUITY
Deposits from central banks and credit institutions
Deposits from customers
Debt certificates
Subordinated liabilities
Financial liabilities held for trading
Other liabilities
Economic capital allocated
(1) At constant exchange rate.
The United States
Jan.-Sep. 09
Δ%
The United States
1,100 14.2 2.6 963
411 2.5 (7.9) 401
135 36.1 22.3 99
(26) n.m. n.m. 18
1,620 9.3 (1.8) 1,481
(962) (0.0) (10.2) (962)
(498) 2.8 (7.7) (484)
(308) 2.4 (8.1) (301)
(157) (11.7) (20.7) (177)
657 26.7 13.8 519
(479) 89.8 70.5 (252)
(29) n.m. n.m. 5
150 (44.7) (50.3) 272
(47) (45.9) (51.4) (87)
103 (44.1) (49.8) 184
- n.m. n.m. -
103 (44.1) (49.8) 184
162 (37.8) (38.4) 260
30-09-09
Δ%
The United States
919 80.9 85.2 508
6,801 (19.6) (17.6) 8,454
34,713 14.7 17.4 30,272
34,001 14.7 17.4 29,639
712 12.5 15.2 633
706 (4.5) (2.3) 740
1,399 (2.0) 0.3 1,429
44,538 7.6 10.1 41,402
3,473 (47.8) (46.6) 6,656
34,293 17.3 20.1 29,242
729 29.9 33.0 561
884 (15.6) (13.6) 1,047
217 217.0 224.6 68
2,474 14.8 17.6 2,155
2,467 47.6 51.1 1,672
Δ% (1)
Δ% (1)
Jan.-Sep. 08
30-09-08
3Q09
43
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