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) (1)
Provisions (net) and other gains/losses (1)
INCOME BEFORE TAX
Income tax
NET INCOME
Minority interests
NET ATTRIBUTABLE PROFIT
Spain and Portugal
(1) The third quarter of 2009 includes €830 million of capital gains on the sale and lease-back of properties and generic loan-loss provisions for identical amount.
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
Inter-area positions
Tangible assets
Other assets
TOTAL ASSETS/LIABILITIES AND EQUITY
Deposits from central banks and credit institutions
Deposits from customers
Debt certificates
Subordinated liabilities
Inter-area positions
Financial liabilities held for trading
Other liabilities
Economic capital allocated
2009
Δ%
4,934 2.7 4,804
1,482 (9.4) 1,635
188 (18.8) 232
434 0.8 430
7,038 (0.9) 7,101
(2,505) (4.2) (2,613)
(1,564) (3.2) (1,616)
(835) (6.5) (894)
(105) 1.0 (104)
,
4,533 1.0 4,488
(1,931) 138.7 (809)
777 n.m. 5
3,380 (8.3) 3,684
(1,007) (10.1) (1,119)
2,373 (7.5) 2,565
- (38.4) -
2,373 (7.5) 2,565
31-12-09
Δ%
2,379 (4.9) 2,503
11,020 8.0 10,203
200,205 (2.1) 204,591
199,165 (1.9) 203,117
1,040 (29.5) 1,474
- - -
1,301 (5.8) 1,381
892 (50.2) 1,791
,
215,797 (2.1) 220,470
1,048 (58.2) 2,507
91,826 (8.0) 99,849
369 (93.9) 6,092
4,296 1.0 4,252
97,104 15.9 83,781
291 73.9 167
13,244 (18.7) 16,281
7,619 1.0 7,542
2008
31-12-08
4Q09
31
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