6-K

Banco Bilbao Vizcaya Argentaria, S.A.

Date: November 2, 2018

/s/ María Angeles Peláez Morón

Name: María Angeles Peláez Morón

Title: Authorized representative

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 6-K

REPORT OF FOREIGN ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of November, 2018

Commission file number: 1-10110

BANCO BILBAO VIZCAYA ARGENTARIA, S.A.

(Exact name of Registrant as specified in its charter)

BANK BILBAO VIZCAYA ARGENTARIA, S.A.

(Translation of Registrant’s name into English)

Calle Azul 4,

28050 Madrid

Spain

(Address of principal executive offices)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F:

Form 20-F ☒ Form 40-F ☐

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(1):

Yes ☐ No ☒

Indicate by check mark if the registrant is submitting the Form 6-K in paper as permitted by Regulation S-T Rule 101(b)(7):

Yes ☐ No ☒

LOGO

Banco Bilbao Vizcaya Argentaria, S.A. (“BBVA”), in compliance with the securities market legislation, hereby communicates the following:

RELEVANT INFORMATION

BBVA has been subject to the 2018 EU-wide stress test conducted by the European Banking Authority (EBA), in cooperation with the European Central Bank (ECB), and the European Systemic Risk Board (ESRB).

The 2018 EU-wide stress test does not contain a pass fail threshold and instead is designed to be used as an important source of information for the purposes of the SREP. The results will assist competent authorities in assessing BBVA’s ability to meet applicable prudential requirements under stressed scenarios based on a common methodology and assumptions.

The adverse stress test scenario was set by the ECB/ESRB and covers a three-year time horizon (2018-2020). It is not a forecast of BBVA profits. The stress test has been carried out applying a static balance sheet assumption as at December 2017, and therefore does not take into account future business strategies and management actions. Therefore, it is not taking into account the sale of BBVA Chile that closed on July 6th, 2018.

BBVA’s results are summarized below:

•

The starting CET1 fully loaded ratio as of December 31st 2017 is restated to include IFRS9 first implementation impact. Therefore, BBVA’s restated starting CET 1 fully loaded ratio is 10.73%, after the negative impact of 31 basis points from IFRS9.

•

Under the adverse scenario, BBVA’s CET1 fully loaded ratio as of December 31st 2020 decreases 1.93 percentage points to 8.80%. In this adverse scenario, BBVA generates a positive cumulative result in the 3 years of approximately 344 million euros.

•

Under the baseline scenario, BBVA’s CET1 fully loaded ratio increases 1.99 percentage points to 12.72% as of December 31st 2020.

Further information is available on the EBA website (www.eba.europa.eu)

Madrid, November 2, 2018

Note

The stress test exercise information is provided in the accompanying disclosure tables based on the common format provided by the EBA.

LOGO

2018 EU-wide Stress Test


Bank Name		Banco Bilbao Vizcaya Argentaria S.A.
LEI Code		K8MS7FD7N5Z2WQ51AZ71
Country Code		ES

LOGO

2018 EU-wide Stress Test: Summary

Banco Bilbao Vizcaya Argentaria S.A.


	Actual (starting year)			Restated (starting year)			Baseline Scenario									Adverse Scenario
(mln EUR, %)	31/12/2017			31/12/2017			31/12/2018			31/12/2019			31/12/2020			31/12/2018			31/12/2019			31/12/2020
Net interest income		17,258						17,193			17,048			16,910			16,360			15,589			14,890
Gains or losses on financial assets and liabilities held for trading and trading financial assets and trading financial liabilities		907						458			458			458			-542			343			343
Impairment or (-) reversal of impairment on financial assets not measured at fair value through profit or loss		-4,658						-5,262			-2,892			-2,940			-10,886			-5,083			-4,798
Profit or (-) loss for the year		4,712						4,137			5,500			5,367			-2,766			1,773			1,337

Coverage ratio: non-performing exposure (%)		44.27	%		46.85	%		50.94	%		48.58	%		47.21	%		54.65	%		51.98	%		51.08	%

Common Equity Tier 1 capital		42,341			42,054			43,610			45,970			48,175			33,629			35,764			36,749
Total Risk exposure amount (all transitional adjustments included)		362,875			362,857			368,183			369,582			370,524			379,821			392,051			397,286

Common Equity Tier 1 ratio, %		11.67	%		11.59	%		11.84	%		12.44	%		13.00	%		8.85	%		9.12	%		9.25	%
Fully loaded Common Equity Tier 1 ratio, %		11.04	%		10.73	%		11.45	%		12.09	%		12.72	%		8.44	%		8.58	%		8.80	%

Tier 1 capital		46,980			46,693			49,865			52,225			54,430			39,884			42,019			43,004
Total leverage ratio exposures		709,480			709,480			709,480			709,480			709,480			709,480			709,480			709,480

Leverage ratio, %		6.62	%		6.58	%		7.03	%		7.36	%		7.67	%		5.62	%		5.92	%		6.06	%
Fully loaded leverage ratio, %		6.53	%		6.36	%		6.83	%		7.18	%		7.53	%		5.38	%		5.59	%		5.78	%

Memorandum items
Total amount of instruments with mandatory conversion into ordinary shares upon a fixed date in the 2018 -2020 period (cumulative conversions)¹								0			0			0			0			0			0
Total Additional Tier 1 and Tier 2 instruments eligible as regulatory capital under the CRR provisions that convert into Common Equity Tier 1 or are written down upon a trigger event²								0			0			0			0			0			0
Of which: eligible instruments whose trigger is above CET1 capital ratio in the adverse scenario²								0			0			0			0			0			0

¹	Conversions not considered for CET1 computation

²	Excluding instruments with mandatory conversion into ordinary shares upon a fixed date in the 2018 -2020 period

LOGO

2018 EU-wide Stress Test:

Credit risk IRB

Banco Bilbao Vizcaya Argentaria S.A.


		Restated
		31/12/2017
		Exposure values								Risk exposure amounts								Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
		A-IRB				F-IRB				A-IRB				F-IRB
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted
Banco Bilbao Vizcaya Argentaria S.A.	Central banks and central governments		8,110		21		0		0		1,172		0		0		0		6,956		21		2		0		0.6	%
	Institutions		75,226		88		0		0		5,905		26		0		0		12,472		88		113		15		17.0	%
	Corporates		88,626		5,587		8,806		305		47,148		1,418		8,077		0		94,118		5,843		3,918		3,230		55.3	%
	Corporates - Of Which: Specialised Lending		0		0		8,806		305		0		0		8,077		0		7,625		272		141		97		35.5	%
	Corporates - Of Which: SME		12,345		3,306		0		0		9,109		947		0		0		12,196		3,291		2,048		1,749		53.2	%
	Retail		96,192		5,384		0		0		18,609		1,053		0		0		96,184		5,383		2,448		1,441		26.8	%
	Retail - Secured on real estate property		75,598		4,474		0		0		7,319		949		0		0		75,598		4,474		1,369		888		19.8	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		30.0	%
	Retail - Secured on real estate property - Of Which: non-SME		75,598		4,474		0		0		7,319		949		0		0		75,598		4,474		1,369		888		19.8	%
	Retail - Qualifying Revolving		8,986		168		0		0		6,756		9		0		0		8,986		168		565		145		86.6	%
	Retail - Other Retail		11,608		742		0		0		4,534		95		0		0		11,599		741		515		408		55.0	%
	Retail - Other Retail - Of Which: SME		3,105		359		0		0		1,542		70		0		0		3,097		359		223		169		47.2	%
	Retail - Other Retail - Of Which: non-SME		8,503		383		0		0		2,992		25		0		0		8,503		383		291		238		62.3	%
	Equity																		0		0		0		0		—
	Securitisation
	Other non-credit obligation assets																		0		0		0		0		—

	IRB TOTAL		268,154		11,079		8,806		305		72,834		2,497		8,077		0		209,730		11,335		6,481		4,686		41.3	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values								Risk exposure amounts								Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
		A-IRB				F-IRB				A-IRB				F-IRB
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted
Spain	Central banks and central governments		763		0		0		0		90		0		0		0		318		0		1		0		0.0	%
	Institutions		24,367		80		0		0		3,285		25		0		0		4,773		80		45		10		12.3	%
	Corporates		42,962		5,286		3,460		80		24,230		1,341		3,342		0		45,151		5,343		3,528		3,054		57.2	%
	Corporates - Of Which: Specialised Lending		0		0		3,460		80		0		0		3,342		0		3,003		72		36		18		25.3	%
	Corporates - Of Which: SME		11,369		3,300		0		0		8,461		946		0		0		11,222		3,285		2,041		1,749		53.2	%
	Retail		89,525		5,222		0		0		11,938		1,016		0		0		89,517		5,221		1,892		1,304		25.0	%
	Retail - Secured on real estate property		74,992		4,450		0		0		7,192		918		0		0		74,992		4,450		1,354		877		19.7	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		30.0	%
	Retail - Secured on real estate property - Of Which: non-SME		74,991		4,450		0		0		7,192		918		0		0		74,991		4,450		1,354		877		19.7	%
	Retail - Qualifying Revolving		2,953		31		0		0		218		3		0		0		2,953		31		24		20		63.8	%
	Retail - Other Retail		11,580		741		0		0		4,528		95		0		0		11,572		740		514		407		55.0	%
	Retail - Other Retail - Of Which: SME		3,096		359		0		0		1,540		70		0		0		3,088		359		223		169		47.2	%
	Retail - Other Retail - Of Which: non-SME		8,484		382		0		0		2,988		25		0		0		8,484		382		291		238		62.3	%
	Equity																		0		0		0		0		—
	Securitisation
	Other non-credit obligation assets																		0		0		0		0		—

	IRB TOTAL		157,617		10,588		3,460		80		39,543		2,382		3,342		0		139,758		10,644		5,466		4,367		41.0	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values								Risk exposure amounts								Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
		A-IRB				F-IRB				A-IRB				F-IRB
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted
United States	Central banks and central governments		4,318		0		0		0		27		0		0		0		4,318		0		0		0		—
	Institutions		2,283		0		0		0		361		0		0		0		677		0		1		0		—
	Corporates		6,297		57		295		7		2,403		8		285		0		6,400		62		33		9		14.6	%
	Corporates - Of Which: Specialised Lending		0		0		295		7		0		0		285		0		273		5		5		2		50.4	%
	Corporates - Of Which: SME		4		0		0		0		4		0		0		0		4		0		0		0		—
	Retail		36		1		0		0		6		1		0		0		36		1		0		0		51.7	%
	Retail - Secured on real estate property		34		1		0		0		5		1		0		0		34		1		0		0		51.9	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		34		1		0		0		5		1		0		0		34		1		0		0		51.9	%
	Retail - Qualifying Revolving		1		0		0		0		0		0		0		0		1		0		0		0		41.4	%
	Retail - Other Retail		1		0		0		0		0		0		0		0		1		0		0		0		—
	Retail - Other Retail - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		1		0		0		0		0		0		0		0		1		0		0		0		—
	Equity																		0		0		0		0		—
	Securitisation
	Other non-credit obligation assets																		0		0		0		0		—

	IRB TOTAL		12,935		58		295		7		2,797		9		285		0		11,432		63		34		9		15.1	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values								Risk exposure amounts								Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
		A-IRB				F-IRB				A-IRB				F-IRB
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted
Turkey	Central banks and central governments		160		0		0		0		3		0		0		0		160		0		0		0		—
	Institutions		13		0		0		0		8		0		0		0		13		0		0		0		—
	Corporates		100		0		230		0		50		0		199		0		321		0		1		0		—
	Corporates - Of Which: Specialised Lending		0		0		230		0		0		0		199		0		227		0		1		0		—
	Corporates - Of Which: SME		3		0		0		0		4		0		0		0		3		0		0		0		—
	Retail		1		0		0		0		0		0		0		0		1		0		0		0		—
	Retail - Secured on real estate property		1		0		0		0		0		0		0		0		1		0		0		0		—
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		1		0		0		0		0		0		0		0		1		0		0		0		—
	Retail - Qualifying Revolving		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Other Retail		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Other Retail - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Equity																		0		0		0		0		—
	Securitisation
	Other non-credit obligation assets																		0		0		0		0		—

	IRB TOTAL		274		0		230		0		61		0		199		0		495		0		1		0		—

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values								Risk exposure amounts								Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
		A-IRB				F-IRB				A-IRB				F-IRB
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted
Mexico	Central banks and central governments		439		0		0		0		48		0		0		0		439		0		0		0		—
	Institutions		267		0		0		0		80		0		0		0		267		0		0		0		—
	Corporates		16,311		125		1		0		10,457		54		1		0		16,310		125		153		59		47.1	%
	Corporates - Of Which: Specialised Lending		0		0		1		0		0		0		1		0		0		0		0		0		—
	Corporates - Of Which: SME		799		0		0		0		461		0		0		0		799		0		5		0		—
	Retail		6,026		137		0		0		6,539		6		0		0		6,026		137		541		125		91.8	%
	Retail - Secured on real estate property		13		0		0		0		2		0		0		0		13		0		1		0		—
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		13		0		0		0		2		0		0		0		13		0		1		0		—
	Retail - Qualifying Revolving		6,012		137		0		0		6,536		6		0		0		6,012		137		540		125		91.8	%
	Retail - Other Retail		1		0		0		0		0		0		0		0		1		0		0		0		—
	Retail - Other Retail - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		1		0		0		0		0		0		0		0		1		0		0		0		—
	Equity																		0		0		0		0		—
	Securitisation
	Other non-credit obligation assets																		0		0		0		0		—

	IRB TOTAL		23,043		262		1		0		17,123		60		1		0		23,042		262		695		184		70.4	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values								Risk exposure amounts								Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
		A-IRB				F-IRB				A-IRB				F-IRB
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted
France	Central banks and central governments		0		0		0		0		0		0		0		0		0		0		0		0		—
	Institutions		19,837		0		0		0		310		0		0		0		519		0		36		0		—
	Corporates		3,152		19		1,047		0		1,422		2		779		0		3,921		19		17		10		54.4	%
	Corporates - Of Which: Specialised Lending		0		0		1,047		0		0		0		779		0		856		0		5		0		—
	Corporates - Of Which: SME		55		2		0		0		68		0		0		0		53		2		0		0		0.0	%
	Retail		36		1		0		0		9		2		0		0		36		1		1		1		59.4	%
	Retail - Secured on real estate property		32		1		0		0		8		2		0		0		32		1		1		1		59.5	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		32		1		0		0		8		2		0		0		32		1		1		1		59.5	%
	Retail - Qualifying Revolving		2		0		0		0		0		0		0		0		2		0		0		0		59.3	%
	Retail - Other Retail		3		0		0		0		1		0		0		0		3		0		0		0		58.8	%
	Retail - Other Retail - Of Which: SME		1		0		0		0		0		0		0		0		1		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		2		0		0		0		1		0		0		0		2		0		0		0		58.8	%
	Equity																		0		0		0		0		—
	Securitisation
	Other non-credit obligation assets																		0		0		0		0		—

	IRB TOTAL		23,025		20		1,047		0		1,741		5		779		0		4,477		20		53		11		54.8	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values								Risk exposure amounts								Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
		A-IRB				F-IRB				A-IRB				F-IRB
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted
Peru	Central banks and central governments		242		0		0		0		29		0		0		0		242		0		0		0		—
	Institutions		6		0		0		0		2		0		0		0		6		0		0		0		—
	Corporates		197		41		185		0		75		6		376		0		364		41		2		1		2.1	%
	Corporates - Of Which: Specialised Lending		0		0		185		0		0		0		376		0		166		0		1		0		—
	Corporates - Of Which: SME		1		4		0		0		2		1		0		0		1		4		1		1		17.8	%
	Retail		5		0		0		0		1		0		0		0		5		0		0		0		71.0	%
	Retail - Secured on real estate property		4		0		0		0		1		0		0		0		4		0		0		0		—
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		4		0		0		0		1		0		0		0		4		0		0		0		—
	Retail - Qualifying Revolving		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Other Retail		0		0		0		0		0		0		0		0		0		0		0		0		71.0	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		0		0		0		0		0		0		0		0		0		0		0		0		71.0	%
	Equity																		0		0		0		0		—
	Securitisation
	Other non-credit obligation assets																		0		0		0		0		—

	IRB TOTAL		450		41		185		0		106		6		376		0		616		41		2		1		2.1	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values								Risk exposure amounts								Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
		A-IRB				F-IRB				A-IRB				F-IRB
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted
Chile	Central banks and central governments		1		0		0		0		0		0		0		0		1		0		0		0		—
	Institutions		316		0		0		0		2		0		0		0		1		0		0		0		—
	Corporates		340		0		0		0		118		0		0		0		340		0		1		0		—
	Corporates - Of Which: Specialised Lending		0		0		0		0		0		0		0		0		0		0		0		0		—
	Corporates - Of Which: SME		1		0		0		0		1		0		0		0		1		0		0		0		—
	Retail		3		0		0		0		1		0		0		0		3		0		0		0		10.4	%
	Retail - Secured on real estate property		1		0		0		0		0		0		0		0		1		0		0		0		10.4	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		1		0		0		0		0		0		0		0		1		0		0		0		10.4	%
	Retail - Qualifying Revolving		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Other Retail		2		0		0		0		0		0		0		0		2		0		0		0		—
	Retail - Other Retail - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		1		0		0		0		0		0		0		0		1		0		0		0		—
	Equity																		0		0		0		0		—
	Securitisation
	Other non-credit obligation assets																		0		0		0		0		—

	IRB TOTAL		660		0		0		0		121		0		0		0		345		0		1		0		10.4	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values								Risk exposure amounts								Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
		A-IRB				F-IRB				A-IRB				F-IRB
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted
United Kingdom	Central banks and central governments		25		0		0		0		1		0		0		0		25		0		0		0		—
	Institutions		11,496		0		0		0		444		0		0		0		988		0		21		0		—
	Corporates		2,429		46		802		0		1,091		6		599		0		2,884		46		19		18		38.5	%
	Corporates - Of Which: Specialised Lending		0		0		802		0		0		0		599		0		607		0		0		0		—
	Corporates - Of Which: SME		10		0		0		0		6		0		0		0		10		0		0		0		0.6	%
	Retail		176		8		0		0		34		11		0		0		176		8		5		4		48.0	%
	Retail - Secured on real estate property		172		8		0		0		34		11		0		0		172		8		5		4		47.8	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		172		8		0		0		34		11		0		0		172		8		5		4		47.8	%
	Retail - Qualifying Revolving		2		0		0		0		0		0		0		0		2		0		0		0		74.2	%
	Retail - Other Retail		2		0		0		0		1		0		0		0		2		0		0		0		3.9	%
	Retail - Other Retail - Of Which: SME		1		0		0		0		0		0		0		0		1		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		2		0		0		0		0		0		0		0		2		0		0		0		3.9	%
	Equity																		0		0		0		0		—
	Securitisation
	Other non-credit obligation assets																		0		0		0		0		—

	IRB TOTAL		14,126		54		802		0		1,571		17		599		0		4,073		54		45		21		39.9	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values								Risk exposure amounts								Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
		A-IRB				F-IRB				A-IRB				F-IRB
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted
Colombia	Central banks and central governments		43		0		0		0		0		0		0		0		43		0		0		0		—
	Institutions		147		0		0		0		65		0		0		0		147		0		1		0		—
	Corporates		180		0		0		0		62		0		0		0		179		0		0		0		—
	Corporates - Of Which: Specialised Lending		0		0		0		0		0		0		0		0		0		0		0		0		—
	Corporates - Of Which: SME		1		0		0		0		1		0		0		0		1		0		0		0		—
	Retail		4		0		0		0		3		0		0		0		4		0		0		0		69.3	%
	Retail - Secured on real estate property		4		0		0		0		3		0		0		0		4		0		0		0		—
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		4		0		0		0		3		0		0		0		4		0		0		0		—
	Retail - Qualifying Revolving		0		0		0		0		0		0		0		0		0		0		0		0		65.8	%
	Retail - Other Retail		0		0		0		0		0		0		0		0		0		0		0		0		72.7	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		0		0		0		0		0		0		0		0		0		0		0		0		72.7	%
	Equity																		0		0		0		0		—
	Securitisation
	Other non-credit obligation assets																		0		0		0		0		—

	IRB TOTAL		374		0		0		0		130		0		0		0		373		0		1		0		69.3	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values								Risk exposure amounts								Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
		A-IRB				F-IRB				A-IRB				F-IRB
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted		Non- defaulted		Defaulted
Italy	Central banks and central governments		27		0		0		0		0		0		0		0		27		0		0		0		—
	Institutions		1,512		8		0		0		135		1		0		0		517		8		6		5		63.6	%
	Corporates		3,576		0		253		11		1,549		0		217		0		3,506		11		18		8		70.9	%
	Corporates - Of Which: Specialised Lending		0		0		253		11		0		0		217		0		239		11		8		8		70.9	%
	Corporates - Of Which: SME		7		0		0		0		7		0		0		0		7		0		0		0		—
	Retail		14		0		0		0		3		0		0		0		14		0		0		0		3.3	%
	Retail - Secured on real estate property		13		0		0		0		2		0		0		0		13		0		0		0		0.0	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Retail - Secured on real estate property -Of Which: non-SME		13		0		0		0		2		0		0		0		13		0		0		0		0.0	%
	Retail - Qualifying Revolving		1		0		0		0		0		0		0		0		1		0		0		0		54.6	%
	Retail - Other Retail		1		0		0		0		0		0		0		0		1		0		0		0		—
	Retail - Other Retail - Of Which: SME		1		0		0		0		0		0		0		0		1		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		0		0		0		0		0		0		0		0		0		0		0		0		—
	Equity																		0		0		0		0		—
	Securitisation
	Other non-credit obligation assets																		0		0		0		0		—

	IRB TOTAL		5,128		8		253		11		1,687		2		217		0		4,064		20		24		13		67.0	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Banco Bilbao Vizcaya Argentaria S.A.	Central banks and central governments		6,955		22		9		9		40.0	%		6,954		23		10		9		40.0	%		6,954		23		10		9		40.0	%
	Institutions		12,422		138		83		48		34.8	%		12,365		195		100		61		31.1	%		12,301		260		117		78		30.2	%
	Corporates		93,007		6,953		4,423		3,761		54.1	%		91,861		8,100		4,788		4,113		50.8	%		90,665		9,295		5,141		4,467		48.1	%
	Corporates - Of Which: Specialised Lending		7,531		367		217		138		37.7	%		7,431		467		248		162		34.7	%		7,326		572		282		195		34.1	%
	Corporates - Of Which: SME		11,975		3,512		2,161		1,953		55.6	%		11,750		3,737		2,236		2,025		54.2	%		11,515		3,972		2,304		2,095		52.8	%
	Retail		94,911		6,656		3,224		2,258		33.9	%		93,718		7,849		3,617		2,737		34.9	%		92,606		8,960		3,988		3,182		35.5	%
	Retail - Secured on real estate property		74,946		5,127		1,730		1,236		24.1	%		74,337		5,735		1,789		1,343		23.4	%		73,773		6,299		1,848		1,443		22.9	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		33.5	%		0		0		0		0		31.8	%		0		0		0		0		30.8	%
	Retail - Secured on real estate property - Of Which: non-SME		74,945		5,127		1,730		1,236		24.1	%		74,337		5,735		1,789		1,343		23.4	%		73,773		6,299		1,848		1,443		22.9	%
	Retail - Qualifying Revolving		8,546		608		865		493		81.1	%		8,140		1,014		1,141		802		79.1	%		7,765		1,388		1,398		1,085		78.2	%
	Retail - Other Retail		11,419		922		629		530		57.5	%		11,241		1,100		686		592		53.9	%		11,068		1,273		742		654		51.4	%
	Retail - Other Retail - Of Which: SME		3,036		419		287		250		59.5	%		2,975		480		308		272		56.6	%		2,915		541		328		293		54.2	%
	Retail - Other Retail - Of Which: non-SME		8,383		502		342		280		55.7	%		8,266		619		379		321		51.8	%		8,153		732		415		360		49.2	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		207,295		13,770		7,739		6,076		44.1	%		204,899		16,166		8,515		6,920		42.8	%		202,526		18,539		9,256		7,736		41.7	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Spain	Central banks and central governments		317		1		1		0		40.0	%		316		1		1		1		40.0	%		316		2		1		1		40.0	%
	Institutions		4,754		99		50		34		34.0	%		4,734		119		55		39		32.7	%		4,714		139		59		44		31.6	%
	Corporates		44,619		5,875		3,798		3,368		57.3	%		44,071		6,423		3,985		3,541		55.1	%		43,500		6,994		4,160		3,716		53.1	%
	Corporates - Of Which: Specialised Lending		2,949		126		96		45		35.6	%		2,896		179		111		61		34.1	%		2,843		232		126		77		33.1	%
	Corporates - Of Which: SME		11,014		3,493		2,146		1,946		55.7	%		10,801		3,706		2,218		2,012		54.3	%		10,579		3,929		2,283		2,079		52.9	%
	Retail		88,679		6,059		2,368		1,775		29.3	%		87,887		6,851		2,487		1,948		28.4	%		87,144		7,594		2,604		2,111		27.8	%
	Retail - Secured on real estate property		74,344		5,098		1,715		1,224		24.0	%		73,740		5,701		1,774		1,331		23.3	%		73,181		6,261		1,831		1,430		22.8	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		33.5	%		0		0		0		0		31.8	%		0		0		0		0		30.8	%
	Retail - Secured on real estate property - Of Which: non-SME		74,344		5,098		1,715		1,224		24.0	%		73,740		5,701		1,774		1,331		23.3	%		73,181		6,261		1,831		1,430		22.8	%
	Retail - Qualifying Revolving		2,942		42		26		23		55.0	%		2,931		53		29		26		49.3	%		2,920		64		33		29		45.7	%
	Retail - Other Retail		11,392		920		627		529		57.4	%		11,215		1,097		684		591		53.9	%		11,043		1,270		740		652		51.3	%
	Retail - Other Retail - Of Which: SME		3,027		419		287		250		59.5	%		2,966		480		307		272		56.6	%		2,906		540		328		293		54.2	%
	Retail - Other Retail - Of Which: non-SME		8,365		501		340		279		55.7	%		8,249		617		377		319		51.7	%		8,136		729		413		359		49.2	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		138,368		12,034		6,217		5,177		43.0	%		137,009		13,394		6,528		5,528		41.3	%		135,674		14,728		6,824		5,872		39.9	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
United States	Central banks and central governments		4,318		0		0		0		40.0	%		4,318		0		0		0		40.0	%		4,318		0		0		0		40.0	%
	Institutions		676		1		1		0		26.2	%		673		5		3		1		24.6	%		667		10		4		2		24.1	%
	Corporates		6,232		230		102		53		23.0	%		6,040		422		149		95		22.6	%		5,824		638		197		144		22.6	%
	Corporates - Of Which: Specialised Lending		264		14		7		4		31.2	%		255		23		9		6		27.6	%		245		33		11		9		26.1	%
	Corporates - Of Which: SME		4		0		0		0		23.1	%		4		0		0		0		22.6	%		4		0		0		0		22.6	%
	Retail		36		1		1		1		47.2	%		36		1		1		1		42.3	%		35		2		1		1		38.3	%
	Retail - Secured on real estate property		34		1		1		0		45.7	%		33		1		1		1		40.0	%		33		2		1		1		35.5	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		34		1		1		0		45.7	%		33		1		1		1		40.0	%		33		2		1		1		35.5	%
	Retail - Qualifying Revolving		1		0		0		0		79.5	%		1		0		0		0		79.4	%		1		0		0		0		79.4	%
	Retail - Other Retail		1		0		0		0		64.7	%		1		0		0		0		65.1	%		1		0		0		0		65.4	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		60.1	%		0		0		0		0		62.0	%		0		0		0		0		63.2	%
	Retail - Other Retail - Of Which: non-SME		1		0		0		0		64.8	%		1		0		0		0		65.2	%		1		0		0		0		65.4	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%

	IRB TOTAL		11,263		232		104		54		23.1	%		11,066		428		153		97		22.7	%		10,844		650		202		147		22.6	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Turkey	Central banks and central governments		160		0		0		0		40.0	%		160		0		0		0		40.0	%		160		0		0		0		40.0	%
	Institutions		13		0		0		0		40.3	%		13		0		0		0		40.3	%		13		0		0		0		40.3	%
	Corporates		319		2		2		1		39.4	%		317		4		2		2		38.7	%		315		6		3		2		38.3	%
	Corporates - Of Which: Specialised Lending		225		2		1		1		39.4	%		224		3		2		1		38.7	%		223		4		2		2		38.3	%
	Corporates - Of Which: SME		3		0		0		0		39.4	%		3		0		0		0		38.7	%		3		0		0		0		38.3	%
	Retail		1		0		0		0		17.1	%		1		0		0		0		16.9	%		1		0		0		0		17.1	%
	Retail - Secured on real estate property		1		0		0		0		5.7	%		1		0		0		0		5.7	%		1		0		0		0		5.7	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		1		0		0		0		5.7	%		1		0		0		0		5.7	%		1		0		0		0		5.7	%
	Retail - Qualifying Revolving		0		0		0		0		41.7	%		0		0		0		0		41.3	%		0		0		0		0		41.2	%
	Retail - Other Retail		0		0		0		0		33.7	%		0		0		0		0		33.0	%		0		0		0		0		32.8	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		0		0		0		0		33.7	%		0		0		0		0		33.0	%		0		0		0		0		32.8	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		493		2		2		1		39.4	%		491		4		2		2		38.7	%		489		6		3		2		38.2	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Mexico	Central banks and central governments		439		0		0		0		40.0	%		439		0		0		0		40.0	%		439		0		0		0		40.0	%
	Institutions		267		0		0		0		34.1	%		267		1		0		0		39.5	%		266		1		1		0		38.6	%
	Corporates		16,132		303		212		113		37.4	%		15,969		466		267		209		44.8	%		15,812		623		315		258		41.5	%
	Corporates - Of Which: Specialised Lending		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Corporates - Of Which: SME		789		10		7		2		19.8	%		781		18		10		7		37.4	%		772		27		12		9		35.3	%
	Retail		5,597		566		838		469		83.0	%		5,202		960		1,111		775		80.7	%		4,839		1,323		1,364		1,055		79.7	%
	Retail - Secured on real estate property		13		0		0		0		12.8	%		12		1		0		0		12.3	%		12		1		0		0		12.0	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		13		0		0		0		12.8	%		12		1		0		0		12.3	%		12		1		0		0		12.0	%
	Retail - Qualifying Revolving		5,583		565		838		469		83.0	%		5,189		959		1,110		775		80.8	%		4,826		1,322		1,363		1,054		79.8	%
	Retail - Other Retail		1		0		0		0		84.5	%		1		0		0		0		83.6	%		1		0		0		0		83.4	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		55.7	%		0		0		0		0		56.3	%		0		0		0		0		56.5	%
	Retail - Other Retail - Of Which: non-SME		1		0		0		0		87.8	%		1		0		0		0		86.2	%		1		0		0		0		85.5	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		22,435		869		1,051		583		67.1	%		21,876		1,427		1,378		985		69.0	%		21,356		1,948		1,680		1,314		67.4	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
France	Central banks and central governments		0		0		0		0		40.0	%		0		0		0		0		40.0	%		0		0		0		0		40.0	%
	Institutions		514		5		4		1		26.8	%		509		11		5		3		26.8	%		503		16		6		4		26.8	%
	Corporates		3,896		44		28		19		43.9	%		3,869		71		37		28		39.6	%		3,842		98		45		37		37.4	%
	Corporates - Of Which: Specialised Lending		856		0		0		0		40.0	%		855		1		0		0		40.0	%		855		1		0		0		40.0	%
	Corporates - Of Which: SME		52		3		1		1		30.7	%		50		4		1		1		24.9	%		49		6		2		1		21.8	%
	Retail		36		2		1		1		51.2	%		35		2		1		1		46.5	%		35		3		1		1		43.4	%
	Retail - Secured on real estate property		31		2		1		1		51.3	%		31		2		1		1		46.3	%		31		2		1		1		42.9	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		31		2		1		1		51.3	%		31		2		1		1		46.3	%		31		2		1		1		42.9	%
	Retail - Qualifying Revolving		2		0		0		0		57.9	%		2		0		0		0		53.6	%		2		0		0		0		50.5	%
	Retail - Other Retail		2		0		0		0		49.1	%		2		0		0		0		46.6	%		2		0		0		0		45.4	%
	Retail - Other Retail - Of Which: SME		1		0		0		0		39.4	%		1		0		0		0		39.4	%		1		0		0		0		39.4	%
	Retail - Other Retail - Of Which: non-SME		2		0		0		0		49.6	%		2		0		0		0		47.1	%		2		0		0		0		45.9	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		4,445		52		34		22		42.4	%		4,413		83		44		32		38.1	%		4,381		116		53		42		36.1	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Peru	Central banks and central governments		242		0		0		0		40.0	%		242		0		0		0		40.0	%		242		0		0		0		40.0	%
	Institutions		6		0		0		0		51.9	%		6		0		0		0		51.2	%		6		0		0		0		49.8	%
	Corporates		355		50		58		47		94.1	%		346		59		64		54		91.3	%		337		68		70		60		88.2	%
	Corporates - Of Which: Specialised Lending		162		4		9		4		83.0	%		157		9		12		7		79.5	%		153		14		15		10		75.4	%
	Corporates - Of Which: SME		1		4		4		4		96.3	%		1		4		4		4		96.2	%		1		4		4		4		96.0	%
	Retail		4		0		0		0		46.4	%		4		0		0		0		42.0	%		4		0		0		0		39.6	%
	Retail - Secured on real estate property		4		0		0		0		22.9	%		4		0		0		0		21.8	%		4		0		0		0		20.8	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		4		0		0		0		22.9	%		4		0		0		0		21.8	%		4		0		0		0		20.8	%
	Retail - Qualifying Revolving		0		0		0		0		72.2	%		0		0		0		0		72.2	%		0		0		0		0		72.2	%
	Retail - Other Retail		0		0		0		0		70.4	%		0		0		0		0		69.4	%		0		0		0		0		68.9	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		86.3	%		0		0		0		0		76.9	%		0		0		0		0		74.6	%
	Retail - Other Retail - Of Which: non-SME		0		0		0		0		70.1	%		0		0		0		0		69.2	%		0		0		0		0		68.7	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		608		50		58		47		94.0	%		598		59		65		54		91.2	%		589		68		70		60		88.1	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Chile	Central banks and central governments		1		0		0		0		40.0	%		1		0		0		0		40.0	%		1		0		0		0		40.0	%
	Institutions		1		0		0		0		20.0	%		1		0		0		0		19.6	%		1		0		0		0		19.7	%
	Corporates		338		2		1		1		30.4	%		335		5		2		1		30.5	%		333		7		3		2		30.5	%
	Corporates - Of Which: Specialised Lending		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Corporates - Of Which: SME		1		0		0		0		30.8	%		1		0		0		0		30.9	%		1		0		0		0		30.9	%
	Retail		3		0		0		0		81.5	%		3		0		0		0		84.1	%		3		0		1		0		84.4	%
	Retail - Secured on real estate property		1		0		0		0		13.4	%		1		0		0		0		12.3	%		1		0		0		0		11.7	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		1		0		0		0		13.4	%		1		0		0		0		12.3	%		1		0		0		0		11.7	%
	Retail - Qualifying Revolving		0		0		0		0		41.8	%		0		0		0		0		38.1	%		0		0		0		0		36.1	%
	Retail - Other Retail		1		0		0		0		98.5	%		1		0		0		0		94.7	%		1		0		1		0		92.9	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		34.5	%		0		0		0		0		33.7	%		0		0		0		0		33.5	%
	Retail - Other Retail - Of Which: non-SME		1		0		0		0		100.0	%		1		0		0		0		96.0	%		1		0		1		0		94.2	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		343		2		2		1		34.1	%		340		5		3		2		34.0	%		337		8		4		3		33.8	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
United Kingdom	Central banks and central governments		25		0		0		0		40.0	%		25		0		0		0		40.0	%		25		0		0		0		40.0	%
	Institutions		979		9		10		3		27.6	%		966		22		13		6		27.3	%		952		36		16		10		27.1	%
	Corporates		2,859		71		35		26		37.3	%		2,834		95		43		35		36.4	%		2,810		120		51		43		35.9	%
	Corporates - Of Which: Specialised Lending		607		0		0		0		40.0	%		607		0		0		0		40.0	%		607		1		0		0		40.0	%
	Corporates - Of Which: SME		9		0		0		0		32.5	%		9		1		0		0		31.6	%		9		1		0		0		31.3	%
	Retail		175		9		5		4		44.1	%		173		11		5		4		41.3	%		172		12		6		5		39.2	%
	Retail - Secured on real estate property		170		9		5		4		44.0	%		169		11		5		4		41.2	%		168		12		5		5		39.3	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		170		9		5		4		44.0	%		169		11		5		4		41.2	%		168		12		5		5		39.2	%
	Retail - Qualifying Revolving		2		0		0		0		65.8	%		2		0		0		0		60.0	%		2		0		0		0		55.9	%
	Retail - Other Retail		2		0		0		0		40.3	%		2		0		0		0		40.7	%		2		0		0		0		40.9	%
	Retail - Other Retail - Of Which: SME		1		0		0		0		42.2	%		1		0		0		0		42.2	%		1		0		0		0		42.2	%
	Retail - Other Retail - Of Which: non-SME		2		0		0		0		39.3	%		2		0		0		0		40.0	%		2		0		0		0		40.3	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		4,038		89		50		33		37.0	%		3,999		128		62		45		35.3	%		3,958		168		73		58		34.2	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Colombia	Central banks and central governments		43		0		0		0		40.0	%		43		0		0		0		40.0	%		43		0		0		0		40.0	%
	Institutions		145		1		5		1		48.8	%		144		3		5		2		48.6	%		142		5		6		2		48.5	%
	Corporates		178		1		1		0		43.4	%		177		2		1		1		43.3	%		176		3		2		1		43.1	%
	Corporates - Of Which: Specialised Lending		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Corporates - Of Which: SME		1		0		0		0		45.1	%		1		0		0		0		44.8	%		1		0		0		0		44.6	%
	Retail		4		0		0		0		41.9	%		4		0		0		0		36.5	%		4		0		0		0		34.0	%
	Retail - Secured on real estate property		4		0		0		0		14.4	%		4		0		0		0		14.7	%		4		0		0		0		14.9	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		4		0		0		0		14.4	%		4		0		0		0		14.7	%		4		0		0		0		14.9	%
	Retail - Qualifying Revolving		0		0		0		0		63.9	%		0		0		0		0		62.0	%		0		0		0		0		61.2	%
	Retail - Other Retail		0		0		0		0		68.1	%		0		0		0		0		66.7	%		0		0		0		0		66.1	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		0		0		0		0		68.1	%		0		0		0		0		66.7	%		0		0		0		0		66.1	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		371		2		5		1		46.7	%		368		5		7		2		46.4	%		365		8		8		4		46.2	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Italy	Central banks and central governments		27		0		0		0		40.0	%		27		0		0		0		40.0	%		27		0		0		0		40.0	%
	Institutions		515		11		7		6		54.9	%		512		14		8		7		49.6	%		509		17		9		8		46.0	%
	Corporates		3,482		35		23		16		46.9	%		3,463		55		30		23		42.7	%		3,445		73		36		30		40.9	%
	Corporates - Of Which: Specialised Lending		239		11		8		8		70.7	%		239		12		8		8		70.5	%		239		12		8		8		70.3	%
	Corporates - Of Which: SME		7		0		0		0		36.1	%		7		0		0		0		36.1	%		7		0		0		0		36.1	%
	Retail		14		0		0		0		35.5	%		14		0		0		0		34.3	%		14		0		0		0		33.5	%
	Retail - Secured on real estate property		13		0		0		0		33.8	%		13		0		0		0		32.5	%		13		0		0		0		31.5	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		13		0		0		0		33.8	%		13		0		0		0		32.5	%		13		0		0		0		31.5	%
	Retail - Qualifying Revolving		1		0		0		0		59.6	%		1		0		0		0		56.0	%		1		0		0		0		53.1	%
	Retail - Other Retail		1		0		0		0		39.2	%		1		0		0		0		39.4	%		1		0		0		0		39.5	%
	Retail - Other Retail - Of Which: SME		1		0		0		0		39.4	%		1		0		0		0		39.4	%		1		0		0		0		39.4	%
	Retail - Other Retail - Of Which: non-SME		0		0		0		0		36.1	%		0		0		0		0		39.3	%		0		0		0		0		40.0	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%

	IRB TOTAL		4,038		46		30		22		48.7	%		4,015		69		38		30		44.1	%		3,994		90		45		38		41.8	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Banco Bilbao Vizcaya Argentaria S.A.	Central banks and central governments		6,955		22		9		9		40.0	%		6,954		23		10		9		40.0	%		6,953		24		10		10		40.0	%
	Institutions		12,310		250		181		90		35.9	%		12,084		476		221		143		30.1	%		11,946		615		262		188		30.6	%
	Corporates		92,134		7,826		5,634		4,284		54.7	%		89,663		10,297		6,355		5,235		50.8	%		87,754		12,206		7,044		6,005		49.2	%
	Corporates - Of Which: Specialised Lending		7,450		448		290		174		39.0	%		7,254		644		314		225		34.9	%		7,133		765		349		269		35.2	%
	Corporates - Of Which: SME		11,727		3,760		2,645		2,177		57.9	%		11,143		4,344		2,837		2,468		56.8	%		10,752		4,735		3,010		2,684		56.7	%
	Retail		94,273		7,294		5,468		3,434		47.1	%		92,448		9,119		6,372		4,481		49.1	%		90,695		10,872		7,180		5,490		50.5	%
	Retail - Secured on real estate property		74,838		5,235		3,254		2,045		39.1	%		74,162		5,910		3,406		2,346		39.7	%		73,563		6,509		3,539		2,595		39.9	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		35.7	%		0		0		0		0		37.2	%		0		0		0		0		36.8	%
	Retail - Secured on real estate property - Of Which: non-SME		74,837		5,235		3,254		2,045		39.1	%		74,162		5,910		3,406		2,346		39.7	%		73,563		6,509		3,539		2,595		39.9	%
	Retail - Qualifying Revolving		8,344		810		1,224		669		82.5	%		7,709		1,445		1,746		1,153		79.8	%		7,011		2,143		2,228		1,691		78.9	%
	Retail - Other Retail		11,092		1,249		990		720		57.7	%		10,577		1,764		1,220		981		55.6	%		10,121		2,220		1,413		1,204		54.3	%
	Retail - Other Retail - Of Which: SME		2,986		469		361		291		62.0	%		2,878		578		397		342		59.1	%		2,803		652		429		378		57.9	%
	Retail - Other Retail - Of Which: non-SME		8,105		780		629		429		55.1	%		7,700		1,186		823		640		53.9	%		7,318		1,567		984		827		52.7	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		205,673		15,392		11,292		7,817		50.8	%		201,150		19,915		12,959		9,868		49.6	%		197,348		23,717		14,495		11,693		49.3	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Spain	Central banks and central governments		317		1		1		0		40.0	%		316		2		1		1		40.0	%		315		2		1		1		40.0	%
	Institutions		4,718		134		88		47		35.0	%		4,640		212		102		71		33.3	%		4,595		258		114		86		33.1	%
	Corporates		44,009		6,485		4,729		3,770		58.1	%		42,615		7,879		5,144		4,402		55.9	%		41,718		8,776		5,521		4,850		55.3	%
	Corporates - Of Which: Specialised Lending		2,892		183		148		70		38.5	%		2,781		294		157		109		37.1	%		2,727		348		169		129		37.1	%
	Corporates - Of Which: SME		10,773		3,734		2,621		2,166		58.0	%		10,214		4,293		2,807		2,447		57.0	%		9,841		4,667		2,974		2,656		56.9	%
	Retail		88,242		6,495		4,251		2,776		42.7	%		87,046		7,692		4,636		3,341		43.4	%		85,985		8,753		4,965		3,815		43.6	%
	Retail - Secured on real estate property		74,238		5,204		3,233		2,032		39.0	%		73,569		5,873		3,384		2,331		39.7	%		72,976		6,465		3,515		2,578		39.9	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		35.7	%		0		0		0		0		37.2	%		0		0		0		0		36.8	%
	Retail - Secured on real estate property - Of Which: non-SME		74,237		5,204		3,233		2,032		39.0	%		73,568		5,873		3,384		2,331		39.7	%		72,976		6,465		3,515		2,578		39.9	%
	Retail - Qualifying Revolving		2,940		44		30		25		56.1	%		2,926		58		35		30		51.2	%		2,912		72		40		35		48.6	%
	Retail - Other Retail		11,065		1,247		988		719		57.7	%		10,552		1,760		1,218		980		55.6	%		10,097		2,216		1,410		1,202		54.3	%
	Retail - Other Retail - Of Which: SME		2,978		469		360		291		62.0	%		2,869		577		397		342		59.2	%		2,795		651		429		377		57.9	%
	Retail - Other Retail - Of Which: non-SME		8,087		778		627		428		55.0	%		7,682		1,183		821		638		53.9	%		7,301		1,564		981		825		52.7	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		137,287		13,115		9,069		6,593		50.3	%		134,617		15,785		9,883		7,814		49.5	%		132,613		17,789		10,602		8,751		49.2	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
United States	Central banks and central governments		4,318		0		0		0		40.0	%		4,318		0		0		0		40.0	%		4,318		0		0		0		40.0	%
	Institutions		676		1		2		0		29.0	%		672		6		5		2		35.0	%		663		14		9		5		35.2	%
	Corporates		6,227		235		139		62		26.2	%		5,964		498		236		135		27.2	%		5,570		892		333		237		26.5	%
	Corporates - Of Which: Specialised Lending		263		15		8		5		33.1	%		251		27		12		8		30.6	%		234		44		17		12		28.6	%
	Corporates - Of Which: SME		4		0		0		0		26.6	%		4		0		0		0		27.7	%		4		0		0		0		26.5	%
	Retail		36		1		1		1		41.6	%		35		2		1		1		36.4	%		34		3		1		1		35.0	%
	Retail - Secured on real estate property		33		1		1		1		40.0	%		33		2		1		1		34.3	%		32		3		1		1		32.8	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		33		1		1		1		40.0	%		33		2		1		1		34.3	%		32		3		1		1		32.8	%
	Retail - Qualifying Revolving		1		0		0		0		82.3	%		1		0		0		0		82.2	%		1		0		0		0		81.4	%
	Retail - Other Retail		1		0		0		0		67.1	%		1		0		0		0		67.5	%		1		0		0		0		66.8	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		63.7	%		0		0		0		0		69.8	%		0		0		0		0		71.7	%
	Retail - Other Retail - Of Which: non-SME		1		0		0		0		67.2	%		1		0		0		0		67.4	%		1		0		0		0		66.7	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%

	IRB TOTAL		11,256		238		142		63		26.3	%		10,989		506		242		138		27.3	%		10,585		909		344		243		26.7	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Turkey	Central banks and central governments		160		0		0		0		40.0	%		160		0		0		0		40.0	%		160		0		0		0		40.0	%
	Institutions		13		0		0		0		40.3	%		13		0		0		0		40.3	%		13		0		0		0		40.3	%
	Corporates		318		3		3		1		40.7	%		314		7		4		3		39.9	%		312		9		5		4		39.8	%
	Corporates - Of Which: Specialised Lending		224		2		2		1		40.7	%		222		5		3		2		39.9	%		220		6		3		3		39.8	%
	Corporates - Of Which: SME		3		0		0		0		40.7	%		3		0		0		0		39.9	%		3		0		0		0		39.8	%
	Retail		1		0		0		0		16.0	%		1		0		0		0		16.1	%		1		0		0		0		16.8	%
	Retail - Secured on real estate property		1		0		0		0		5.7	%		1		0		0		0		5.7	%		1		0		0		0		5.7	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		1		0		0		0		5.7	%		1		0		0		0		5.7	%		1		0		0		0		5.7	%
	Retail - Qualifying Revolving		0		0		0		0		43.3	%		0		0		0		0		42.5	%		0		0		0		0		42.4	%
	Retail - Other Retail		0		0		0		0		34.3	%		0		0		0		0		32.7	%		0		0		0		0		32.7	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		0		0		0		0		34.3	%		0		0		0		0		32.7	%		0		0		0		0		32.7	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		492		3		3		1		40.7	%		488		7		4		3		39.9	%		486		9		5		4		39.8	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Mexico	Central banks and central governments		439		0		0		0		40.0	%		439		0		0		0		40.0	%		439		0		0		0		40.0	%
	Institutions		266		1		1		0		39.0	%		265		3		2		1		41.1	%		264		4		2		1		40.6	%
	Corporates		16,044		391		305		147		37.5	%		15,739		696		384		302		43.4	%		15,519		916		452		372		40.7	%
	Corporates - Of Which: Specialised Lending		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Corporates - Of Which: SME		785		14		11		4		25.3	%		770		29		16		11		38.5	%		758		41		19		15		36.4	%
	Retail		5,397		765		1,193		643		84.0	%		4,777		1,386		1,710		1,123		81.0	%		4,093		2,070		2,186		1,655		79.9	%
	Retail - Secured on real estate property		13		0		0		0		14.1	%		12		1		0		0		15.0	%		12		1		0		0		15.8	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		13		0		0		0		14.1	%		12		1		0		0		15.0	%		12		1		0		0		15.8	%
	Retail - Qualifying Revolving		5,383		765		1,193		643		84.1	%		4,763		1,385		1,710		1,122		81.1	%		4,080		2,068		2,185		1,654		80.0	%
	Retail - Other Retail		1		0		0		0		86.0	%		1		0		0		0		84.4	%		1		0		0		0		83.7	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		57.7	%		0		0		0		0		58.1	%		0		0		0		0		57.7	%
	Retail - Other Retail - Of Which: non-SME		1		0		0		0		89.3	%		1		0		0		0		86.8	%		1		0		0		0		85.8	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		22,146		1,158		1,499		790		68.3	%		21,219		2,085		2,096		1,426		68.4	%		20,314		2,989		2,640		2,029		67.9	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
France	Central banks and central governments		0		0		0		0		40.0	%		0		0		0		0		40.0	%		0		0		0		0		40.0	%
	Institutions		504		15		11		5		31.4	%		493		26		13		8		31.3	%		483		36		15		11		31.3	%
	Corporates		3,883		57		47		27		47.0	%		3,840		100		63		45		44.8	%		3,802		138		77		61		44.0	%
	Corporates - Of Which: Specialised Lending		856		0		0		0		60.0	%		855		1		0		0		60.0	%		855		1		1		0		60.0	%
	Corporates - Of Which: SME		51		4		4		2		42.8	%		47		7		5		3		43.4	%		45		10		6		4		43.6	%
	Retail		36		2		2		1		51.2	%		35		3		2		1		46.8	%		34		3		2		2		44.4	%
	Retail - Secured on real estate property		31		2		1		1		51.1	%		31		2		1		1		46.2	%		30		3		1		1		43.3	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		31		2		1		1		51.1	%		31		2		1		1		46.2	%		30		3		1		1		43.3	%
	Retail - Qualifying Revolving		2		0		0		0		54.9	%		2		0		0		0		48.8	%		2		0		0		0		45.8	%
	Retail - Other Retail		2		0		0		0		50.8	%		2		0		0		0		49.1	%		2		1		0		0		48.5	%
	Retail - Other Retail - Of Which: SME		1		0		0		0		45.3	%		1		0		0		0		45.3	%		1		0		0		0		45.3	%
	Retail - Other Retail - Of Which: non-SME		2		0		0		0		51.3	%		1		0		0		0		49.6	%		1		1		0		0		48.9	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		4,423		74		60		33		44.0	%		4,368		129		78		54		42.1	%		4,319		178		94		74		41.4	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Peru	Central banks and central governments		242		0		0		0		40.0	%		242		0		0		0		40.0	%		242		0		0		0		40.0	%
	Institutions		6		0		0		0		44.7	%		6		0		0		0		43.8	%		6		0		0		0		44.0	%
	Corporates		352		53		60		49		91.1	%		339		67		68		57		86.4	%		328		77		74		65		83.4	%
	Corporates - Of Which: Specialised Lending		160		6		10		4		72.9	%		154		13		14		9		69.8	%		148		18		17		12		68.2	%
	Corporates - Of Which: SME		1		4		4		4		96.2	%		1		4		4		4		95.9	%		1		4		4		4		95.7	%
	Retail		4		0		0		0		47.9	%		4		0		0		0		43.5	%		4		0		0		0		40.9	%
	Retail - Secured on real estate property		4		0		0		0		24.0	%		4		0		0		0		23.3	%		4		0		0		0		22.0	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		4		0		0		0		24.0	%		4		0		0		0		23.3	%		4		0		0		0		22.0	%
	Retail - Qualifying Revolving		0		0		0		0		72.2	%		0		0		0		0		72.2	%		0		0		0		0		72.2	%
	Retail - Other Retail		0		0		0		0		74.3	%		0		0		0		0		73.7	%		0		0		0		0		72.4	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		89.8	%		0		0		0		0		80.4	%		0		0		0		0		77.4	%
	Retail - Other Retail - Of Which: non-SME		0		0		0		0		74.0	%		0		0		0		0		73.5	%		0		0		0		0		72.2	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		604		53		60		49		91.1	%		591		67		68		58		86.3	%		580		78		74		65		83.2	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Chile	Central banks and central governments		1		0		0		0		40.0	%		1		0		0		0		40.0	%		1		0		0		0		40.0	%
	Institutions		1		0		0		0		40.0	%		1		0		0		0		40.0	%		1		0		0		0		40.0	%
	Corporates		336		4		3		1		30.4	%		331		9		3		3		30.5	%		329		11		4		3		30.5	%
	Corporates - Of Which: Specialised Lending		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Corporates - Of Which: SME		1		0		0		0		30.8	%		1		0		0		0		30.8	%		1		0		0		0		30.9	%
	Retail		3		0		0		0		80.9	%		3		0		0		0		82.8	%		3		1		1		0		82.7	%
	Retail - Secured on real estate property		1		0		0		0		13.5	%		1		0		0		0		12.2	%		1		0		0		0		11.5	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		1		0		0		0		13.5	%		1		0		0		0		12.2	%		1		0		0		0		11.5	%
	Retail - Qualifying Revolving		0		0		0		0		50.2	%		0		0		0		0		45.5	%		0		0		0		0		43.2	%
	Retail - Other Retail		1		0		0		0		98.4	%		1		0		0		0		94.8	%		1		0		1		0		93.1	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		41.5	%		0		0		0		0		40.6	%		0		0		0		0		40.4	%
	Retail - Other Retail - Of Which: non-SME		1		0		0		0		100.0	%		1		0		0		0		96.2	%		1		0		1		0		94.4	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		340		5		3		1		32.4	%		336		9		4		3		32.4	%		333		12		5		4		32.7	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
United Kingdom	Central banks and central governments		25		0		0		0		40.0	%		25		0		0		0		40.0	%		25		0		0		0		40.0	%
	Institutions		960		28		28		9		32.3	%		927		61		37		19		31.9	%		892		96		45		30		31.6	%
	Corporates		2,851		79		48		32		40.9	%		2,812		118		63		48		40.3	%		2,773		156		77		63		40.0	%
	Corporates - Of Which: Specialised Lending		607		0		0		0		60.0	%		607		0		0		0		60.0	%		607		1		0		0		60.0	%
	Corporates - Of Which: SME		9		0		1		0		36.5	%		9		1		1		0		35.9	%		8		1		1		0		35.6	%
	Retail		174		10		8		5		50.9	%		171		13		8		6		48.2	%		169		16		9		7		46.3	%
	Retail - Secured on real estate property		170		10		7		5		51.0	%		168		12		8		6		48.3	%		165		15		8		7		46.3	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		170		10		7		5		51.0	%		168		12		8		6		48.3	%		165		15		8		7		46.3	%
	Retail - Qualifying Revolving		2		0		0		0		56.1	%		2		0		0		0		48.1	%		2		0		0		0		45.8	%
	Retail - Other Retail		2		0		0		0		46.2	%		2		0		0		0		46.6	%		2		1		0		0		46.8	%
	Retail - Other Retail - Of Which: SME		1		0		0		0		48.3	%		1		0		0		0		48.3	%		0		0		0		0		48.4	%
	Retail - Other Retail - Of Which: non-SME		2		0		0		0		44.9	%		1		0		0		0		45.8	%		1		0		0		0		46.2	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		4,010		117		83		47		39.7	%		3,935		191		108		73		38.2	%		3,859		268		131		100		37.4	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Colombia	Central banks and central governments		43		0		0		0		40.0	%		43		0		0		0		40.0	%		43		0		0		0		40.0	%
	Institutions		132		14		20		7		45.3	%		109		38		21		17		45.1	%		107		40		21		18		45.3	%
	Corporates		170		9		10		4		39.7	%		153		26		11		10		39.5	%		152		27		11		11		39.6	%
	Corporates - Of Which: Specialised Lending		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Corporates - Of Which: SME		1		0		0		0		40.2	%		1		0		0		0		40.0	%		1		0		0		0		40.1	%
	Retail		4		0		0		0		41.5	%		4		0		0		0		36.2	%		4		0		0		0		33.9	%
	Retail - Secured on real estate property		4		0		0		0		14.4	%		4		0		0		0		14.7	%		4		0		0		0		14.9	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		4		0		0		0		14.4	%		4		0		0		0		14.7	%		4		0		0		0		14.9	%
	Retail - Qualifying Revolving		0		0		0		0		63.7	%		0		0		0		0		61.9	%		0		0		0		0		61.1	%
	Retail - Other Retail		0		0		0		0		68.1	%		0		0		0		0		66.7	%		0		0		0		0		66.1	%
	Retail - Other Retail - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Other Retail - Of Which: non-SME		0		0		0		0		68.1	%		0		0		0		0		66.7	%		0		0		0		0		66.1	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—

	IRB TOTAL		349		24		30		10		43.1	%		309		64		31		27		42.8	%		306		67		33		29		42.9	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of Provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Italy	Central banks and central governments		27		0		0		0		40.0	%		27		0		0		0		40.0	%		27		0		0		0		40.0	%
	Institutions		511		15		10		7		50.3	%		503		22		12		10		45.0	%		497		29		15		12		42.7	%
	Corporates		3,458		60		56		28		46.5	%		3,390		128		80		56		43.5	%		3,329		189		105		80		42.6	%
	Corporates - Of Which: Specialised Lending		239		11		8		8		70.8	%		239		12		8		8		70.8	%		239		12		8		8		70.7	%
	Corporates - Of Which: SME		7		0		0		0		41.5	%		7		0		0		0		41.5	%		6		0		0		0		41.5	%
	Retail		14		0		0		0		50.5	%		14		0		0		0		46.2	%		14		1		0		0		43.1	%
	Retail - Secured on real estate property		13		0		0		0		50.2	%		13		0		0		0		45.7	%		12		0		0		0		42.2	%
	Retail - Secured on real estate property - Of Which: SME		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Retail - Secured on real estate property - Of Which: non-SME		13		0		0		0		50.2	%		13		0		0		0		45.7	%		12		0		0		0		42.2	%
	Retail - Qualifying Revolving		1		0		0		0		60.3	%		1		0		0		0		55.2	%		1		0		0		0		51.4	%
	Retail - Other Retail		1		0		0		0		45.1	%		1		0		0		0		45.3	%		1		0		0		0		45.4	%
	Retail - Other Retail - Of Which: SME		1		0		0		0		45.3	%		1		0		0		0		45.3	%		1		0		0		0		45.3	%
	Retail - Other Retail - Of Which: non-SME		0		0		0		0		41.5	%		0		0		0		0		45.2	%		0		0		0		0		46.0	%
	Equity		0		0		0		0		—			0		0		0		0		—			0		0		0		0		—
	Securitisation
	Other non-credit obligation assets		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%

	IRB TOTAL		4,009		75		66		35		47.3	%		3,933		151		93		66		43.7	%		3,866		218		120		93		42.6	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)

LOGO

2018 EU-wide Stress Test: Credit risk STA

Banco Bilbao Vizcaya Argentaria S.A.


		Restated
		31/12/2017
		Exposure values				Risk exposure amounts				Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Banco Bilbao Vizcaya Argentaria S.A.	Central governments or central banks		135,962		149		29,749		64		131,602		149		193		96		64.2	%
	Regional governments or local authorities		6,524		10		1,250		7		6,494		10		19		4		39.7	%
	Public sector entities		1,706		0		655		0		1,706		0		1		0		51.7	%
	Multilateral Development Banks		192		0		14		0		192		0		0		0		0.0	%
	International Organisations		1		0		0		0		1		0		0		0		70.4	%
	Institutions		16,305		76		5,788		51		12,223		76		68		31		41.5	%
	Corporates		94,933		3,854		91,874		2,161		93,422		3,854		3,242		1,967		51.0	%
	of which: SME		17,795		1,534		15,720		813		17,395		1,534		1,062		806		52.5	%
	Retail		56,891		2,790		39,122		1,141		56,841		2,790		2,838		1,749		62.7	%
	of which: SME		19,635		920		9,364		384		19,615		920		884		588		63.9	%
	Secured by mortgages on immovable property		49,079		1,991		19,593		1,160		49,079		1,991		1,328		957		48.1	%
	of which: SME		8,988		7		3,576		6		8,988		7		75		2		30.9	%
	Items associated with particularly high risk		2,531		36		3,754		40		2,531		36		32		3		8.7	%
	Covered bonds		0		0		0		0		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		25		0		5		0		25		0		0		0		0.0	%
	Collective investments undertakings (CIU)		24		0		24		0		24		0		0		0		0.0	%
	Equity						0		0		0		0		0		0		0.0	%
	Securitisation
	Other exposures						11,392		273		22,389		423		797		187		44.3	%

	Standardised Total		393,480		9,329		203,221		4,897		376,528		9,329		8,517		4,995		53.5	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values				Risk exposure amounts				Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Spain	Central governments or central banks		71,240		1		13,001		0		70,960		1		25		0		51.9	%
	Regional governments or local authorities		582		7		4		3		557		7		5		4		51.9	%
	Public sector entities		5		0		0		0		5		0		0		0		51.9	%
	Multilateral Development Banks		119		0		0		0		119		0		0		0		0.0	%
	International Organisations		0		0		0		0		0		0		0		0		0.0	%
	Institutions		848		0		414		0		517		0		2		0		51.9	%
	Corporates		7,609		1,060		7,423		667		7,568		1,060		541		480		45.3	%
	of which: SME		1,170		586		885		369		1,164		586		275		265		45.3	%
	Retail		7,181		353		4,778		154		7,172		353		323		250		70.7	%
	of which: SME		6,274		353		3,621		154		6,266		353		314		250		70.7	%
	Secured by mortgages on immovable property		4,920		1,318		1,839		779		4,920		1,318		655		623		47.3	%
	of which: SME		328		0		90		0		328		0		2		0		0.0	%
	Items associated with particularly high risk		153		2		229		3		153		2		1		0		0.0	%
	Covered bonds		0		0		0		0		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0		0		0		0		0.0	%
	Equity										0		0		0		0		0.0	%
	Securitisation
	Other exposures										6,284		308		414		117		38.0	%

	Standardised Total		98,942		3,049		32,990		1,835		98,255		3,049		1,967		1,474		48.3	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values				Risk exposure amounts				Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
United States	Central governments or central banks		8,727		33		465		38		8,726		33		21		4		13.7	%
	Regional governments or local authorities		5,571		3		1,111		4		5,570		3		13		0		13.7	%
	Public sector entities		886		0		171		0		886		0		0		0		0.0	%
	Multilateral Development Banks		3		0		0		0		3		0		0		0		0.0	%
	International Organisations		0		0		0		0		0		0		0		0		0.0	%
	Institutions		1,569		22		342		22		1,002		22		14		6		25.5	%
	Corporates		34,999		654		34,435		679		34,883		654		546		150		22.9	%
	of which: SME		3,472		131		3,111		136		3,460		131		69		30		22.9	%
	Retail		8,152		124		5,729		110		8,151		124		181		42		34.0	%
	of which: SME		1,512		0		867		0		1,512		0		26		0		34.0	%
	Secured by mortgages on immovable property		9,449		137		3,504		143		9,449		137		88		31		22.7	%
	of which: SME		2		5		1		6		2		5		1		1		22.7	%
	Items associated with particularly high risk		1,083		16		1,615		21		1,083		16		6		0		0.0	%
	Covered bonds		0		0		0		0		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		8		0		8		0		8		0		0		0		0.0	%
	Equity										0		0		0		0		0.0	%
	Securitisation
	Other exposures										1,772		3		28		1		23.6	%

	Standardised Total		72,313		991		48,790		1,020		71,532		991		897		234		23.6	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values				Risk exposure amounts				Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Turkey	Central governments or central banks		19,020		0		7,841		0		19,016		0		5		0		0.0	%
	Regional governments or local authorities		45		0		10		0		45		0		0		0		0.0	%
	Public sector entities		103		0		56		0		103		0		0		0		0.0	%
	Multilateral Development Banks		6		0		0		0		6		0		0		0		0.0	%
	International Organisations		0		0		0		0		0		0		0		0		0.0	%
	Institutions		2,496		0		1,167		0		2,450		0		1		0		0.0	%
	Corporates		25,068		943		24,393		352		24,406		943		1,012		590		62.6	%
	of which: SME		7,970		563		7,122		211		7,760		563		486		352		62.6	%
	Retail		15,587		878		10,428		362		15,581		878		734		516		58.7	%
	of which: SME		7,537		507		2,678		209		7,534		507		403		298		58.7	%
	Secured by mortgages on immovable property		8,319		0		3,764		0		8,319		0		54		0		0.0	%
	of which: SME		5,762		0		2,167		0		5,762		0		38		0		0.0	%
	Items associated with particularly high risk		151		2		226		2		151		2		0		0		0.0	%
	Covered bonds		0		0		0		0		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0		0		0		0		0.0	%
	Equity										0		0		0		0		0.0	%
	Securitisation
	Other exposures										2,591		58		110		32		54.8	%

	Standardised Total		73,385		1,880		48,648		743		72,668		1,880		1,916		1,137		60.5	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values				Risk exposure amounts				Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Mexico	Central governments or central banks		17,314		0		1,676		0		13,755		0		28		0		0.0	%
	Regional governments or local authorities		95		0		9		0		92		0		0		0		0.0	%
	Public sector entities		81		0		16		0		81		0		0		0		0.0	%
	Multilateral Development Banks		0		0		0		0		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0		0		0		0		0.0	%
	Institutions		3,412		0		993		0		2,301		0		3		0		0.0	%
	Corporates		1,603		87		1,231		32		1,603		87		65		57		65.7	%
	of which: SME		191		0		149		0		191		0		1		0		0.0	%
	Retail		9,098		666		6,509		232		9,094		666		698		449		67.3	%
	of which: SME		271		0		110		0		270		0		7		0		0.0	%
	Secured by mortgages on immovable property		10,183		8		4,301		5		10,183		8		142		3		39.4	%
	of which: SME		2,287		0		1,130		0		2,287		0		31		0		0.0	%
	Items associated with particularly high risk		429		6		630		3		429		6		12		3		51.3	%
	Covered bonds		0		0		0		0		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		8		0		2		0		8		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0		0		0		0		0.0	%
	Equity										0		0		0		0		0.0	%
	Securitisation
	Other exposures										5,634		0		96		0		0.0	%

	Standardised Total		54,372		768		17,457		272		43,181		768		1,044		512		66.7	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values				Risk exposure amounts				Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
France	Central governments or central banks		359		0		18		0		164		0		0		0		0.0	%
	Regional governments or local authorities		0		0		0		0		0		0		0		0		0.0	%
	Public sector entities		7		0		0		0		7		0		0		0		0.0	%
	Multilateral Development Banks		0		0		0		0		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0		0		0		0		0.0	%
	Institutions		989		0		245		0		780		0		4		0		0.0	%
	Corporates		456		0		427		0		428		0		3		0		0.0	%
	of which: SME		9		0		9		0		8		0		0		0		0.0	%
	Retail		17		0		13		0		17		0		0		0		0.0	%
	of which: SME		0		0		0		0		0		0		0		0		0.0	%
	Secured by mortgages on immovable property		12		0		5		0		12		0		0		0		0.0	%
	of which: SME		0		0		0		0		0		0		0		0		0.0	%
	Items associated with particularly high risk		0		0		0		0		0		0		0		0		0.0	%
	Covered bonds		0		0		0		0		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0		0		0		0		0.0	%
	Equity										0		0		0		0		0.0	%
	Securitisation
	Other exposures										121		0		3		0		0.0	%

	Standardised Total		2,112		0		783		0		1,529		0		11		0		0.0	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values				Risk exposure amounts				Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Peru	Central governments or central banks		2,692		0		1,268		0		2,689		0		10		0		0.0	%
	Regional governments or local authorities		66		0		33		0		66		0		0		0		0.0	%
	Public sector entities		225		0		118		0		225		0		0		0		0.0	%
	Multilateral Development Banks		28		0		14		0		28		0		0		0		0.0	%
	International Organisations		0		0		0		0		0		0		0		0		0.0	%
	Institutions		985		33		358		12		915		33		22		21		63.7	%
	Corporates		6,445		417		6,123		208		6,229		417		384		211		50.7	%
	of which: SME		1,704		137		1,484		68		1,647		137		115		69		50.7	%
	Retail		3,104		191		2,068		85		3,094		191		167		107		56.0	%
	of which: SME		1,495		0		855		0		1,490		0		29		0		0.0	%
	Secured by mortgages on immovable property		4,114		29		1,667		17		4,114		29		64		13		42.9	%
	of which: SME		0		0		0		0		0		0		0		0		0.0	%
	Items associated with particularly high risk		86		1		129		1		86		1		0		0		0.0	%
	Covered bonds		0		0		0		0		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0		0		0		0		0.0	%
	Equity										0		0		0		0		0.0	%
	Securitisation
	Other exposures										990		0		40		0		0.0	%

	Standardised Total		18,736		672		12,022		323		18,437		672		687		352		52.4	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values				Risk exposure amounts				Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Chile	Central governments or central banks		1,496		0		396		0		1,478		0		0		0		0.0	%
	Regional governments or local authorities		5		0		1		0		5		0		0		0		0.0	%
	Public sector entities		84		0		17		0		84		0		0		0		0.0	%
	Multilateral Development Banks		0		0		0		0		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0		0		0		0		0.0	%
	Institutions		1,301		14		220		11		596		14		9		3		22.4	%
	Corporates		5,516		198		5,429		88		5,271		198		142		113		57.3	%
	of which: SME		2,124		9		1,917		4		2,030		9		17		5		57.3	%
	Retail		3,532		178		2,474		95		3,520		178		212		87		49.1	%
	of which: SME		579		0		264		0		577		0		20		0		0.0	%
	Secured by mortgages on immovable property		5,769		108		2,150		76		5,769		108		48		36		33.1	%
	of which: SME		0		0		0		0		0		0		0		0		0.0	%
	Items associated with particularly high risk		298		4		445		4		298		4		1		0		0.0	%
	Covered bonds		0		0		0		0		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0		0		0		0		0.0	%
	Equity										0		0		0		0		0.0	%
	Securitisation
	Other exposures										516		0		1		0		32.2	%

	Standardised Total		18,518		503		11,264		274		17,538		503		414		240		47.7	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values				Risk exposure amounts				Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
United Kingdom	Central governments or central banks		0		0		0		0		0		0		0		0		0.0	%
	Regional governments or local authorities		0		0		0		0		0		0		0		0		0.0	%
	Public sector entities		3		0		0		0		3		0		0		0		0.0	%
	Multilateral Development Banks		4		0		0		0		4		0		0		0		0.0	%
	International Organisations		0		0		0		0		0		0		0		0		0.0	%
	Institutions		1,912		3		718		1		1,416		3		6		2		51.9	%
	Corporates		461		20		457		8		458		20		16		12		62.8	%
	of which: SME		79		0		71		0		78		0		1		0		0.0	%
	Retail		134		1		100		0		134		1		1		1		70.7	%
	of which: SME		1		0		1		0		1		0		0		0		70.7	%
	Secured by mortgages on immovable property		128		5		56		4		128		5		2		1		26.8	%
	of which: SME		0		0		0		0		0		0		0		0		0.0	%
	Items associated with particularly high risk		0		0		0		0		0		0		0		0		0.0	%
	Covered bonds		0		0		0		0		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0		0		0		0		0.0	%
	Equity										0		0		0		0		0.0	%
	Securitisation
	Other exposures										884		0		9		0		0.0	%

	Standardised Total		3,686		29		1,331		13		3,028		29		34		16		55.6	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values				Risk exposure amounts				Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Colombia	Central governments or central banks		1,774		91		861		19		1,541		91		78		73		80.3	%
	Regional governments or local authorities		0		0		0		0		0		0		0		0		0.0	%
	Public sector entities		245		0		201		0		245		0		1		0		0.0	%
	Multilateral Development Banks		0		0		0		0		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0		0		0		0		0.0	%
	Institutions		389		4		175		4		176		4		0		0		0.0	%
	Corporates		3,805		125		3,514		17		3,783		125		163		108		86.5	%
	of which: SME		40		47		36		6		39		47		41		40		86.5	%
	Retail		4,444		275		3,140		61		4,444		275		312		215		78.1	%
	of which: SME		309		0		176		0		309		0		7		0		0.0	%
	Secured by mortgages on immovable property		2,928		180		1,037		74		2,928		180		119		106		58.9	%
	of which: SME		0		0		0		0		0		0		0		0		0.0	%
	Items associated with particularly high risk		330		5		479		5		330		5		11		0		0.0	%
	Covered bonds		0		0		0		0		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0		0		0		0		0.0	%
	Equity										0		0		0		0		0.0	%
	Securitisation
	Other exposures										819		0		35		0		0.0	%

	Standardised Total		14,735		680		9,499		181		14,266		680		720		502		73.9	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Restated
		31/12/2017
		Exposure values				Risk exposure amounts				Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
	(mln EUR, %)	Non- defaulted		Defaulted		Non- defaulted		Defaulted		Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Italy	Central governments or central banks		6,660		0		16		0		6,660		0		3		0		0.0	%
	Regional governments or local authorities		0		0		0		0		0		0		0		0		0.0	%
	Public sector entities		1		0		0		0		1		0		0		0		0.0	%
	Multilateral Development Banks		0		0		0		0		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0		0		0		0		0.0	%
	Institutions		101		0		49		0		101		0		0		0		0.0	%
	Corporates		110		0		109		0		110		0		1		0		0.0	%
	of which: SME		86		0		77		0		86		0		1		0		0.0	%
	Retail		1		0		1		0		1		0		0		0		0.0	%
	of which: SME		0		0		0		0		0		0		0		0		0.0	%
	Secured by mortgages on immovable property		9		0		4		0		9		0		0		0		0.0	%
	of which: SME		0		0		0		0		0		0		0		0		0.0	%
	Items associated with particularly high risk		0		0		0		0		0		0		0		0		0.0	%
	Covered bonds		0		0		0		0		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0		0		0		0		0.0	%
	Equity										0		0		0		0		0.0	%
	Securitisation
	Other exposures										68		0		2		0		0.0	%

	Standardised Total		6,949		0		244		0		6,949		0		7		0		0.0	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Banco Bilbao Vizcaya Argentaria S.A.	Central governments or central banks		131,431		320		313		173		53.9	%		131,281		470		344		233		49.5	%		131,134		617		374		292		47.2	%
	Regional governments or local authorities		6,490		14		8		6		46.2	%		6,487		17		9		7		45.1	%		6,484		20		10		9		44.3	%
	Public sector entities		1,705		1		12		0		32.9	%		1,705		1		13		0		29.3	%		1,704		2		13		1		27.7	%
	Multilateral Development Banks		191		0		0		0		20.0	%		191		0		0		0		20.0	%		191		0		0		0		20.0	%
	International Organisations		1		0		0		0		70.4	%		1		0		0		0		70.3	%		1		0		0		0		70.2	%
	Institutions		12,180		119		71		52		44.0	%		12,135		164		84		64		39.1	%		12,086		213		97		78		36.7	%
	Corporates		91,665		5611		3,791		3,022		53.9	%		89,754		7522		4,432		3,579		47.6	%		87,636		9640		5,054		4,210		43.7	%
	of which: SME		17,148		1781		1,119		992		55.7	%		16,890		2039		1,213		1,082		53.0	%		16,615		2314		1,303		1,173		50.7	%
	Retail		54,455		5176		5,429		3,753		72.5	%		52,262		7369		6,749		5,096		69.2	%		50,232		9399		8,000		6,460		68.7	%
	of which: SME		18,963		1571		1,352		997		63.5	%		18,368		2166		1,615		1,265		58.4	%		17,813		2721		1,866		1,537		56.5	%
	Secured by mortgages on immovable property		48,124		2946		1,559		1,205		40.9	%		47,261		3809		1,743		1,394		36.6	%		46,461		4609		1,925		1,567		34.0	%
	of which: SME		8,567		428		304		173		40.5	%		8,269		726		395		287		39.5	%		8,038		957		485		381		39.8	%
	Items associated with particularly high risk		2,401		166		135		71		42.4	%		2,341		226		134		95		42.0	%		2,305		262		139		111		42.3	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		25		0		0		0		23.8	%		25		0		0		0		23.8	%		25		0		0		0		23.8	%
	Collective investments undertakings (CIU)		24		0		0		0		26.2	%		24		0		0		0		26.2	%		24		0		0		0		26.2	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		22,380		432		633		188		43.5	%		22,371		441		634		189		42.8	%		22,361		451		635		190		42.2	%

	Standardised Total		371,073		14785		11,950		8,470		57.3	%		365,838		20020		14,142		10,659		53.2	%		360,645		25213		16,247		12,917		51.2	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Spain	Central governments or central banks		70,805		156		194		62		40.1	%		70,671		289		220		116		40.0	%		70,540		421		244		168		40.0	%
	Regional governments or local authorities		556		8		5		4		50.1	%		555		9		5		5		48.9	%		554		10		5		5		48.0	%
	Public sector entities		5		0		0		0		51.7	%		5		0		0		0		51.5	%		5		0		0		0		51.4	%
	Multilateral Development Banks		119		0		0		0		20.0	%		119		0		0		0		20.0	%		119		0		0		0		20.0	%
	International Organisations		0		0		0		0		21.9	%		0		0		0		0		21.9	%		0		0		0		0		21.9	%
	Institutions		515		2		2		1		29.8	%		513		4		2		1		28.5	%		512		5		3		2		27.9	%
	Corporates		7,472		1155		778		718		62.2	%		7,377		1250		803		745		59.6	%		7,282		1345		826		771		57.3	%
	of which: SME		1,151		599		277		269		45.0	%		1,137		613		281		273		44.6	%		1,124		626		284		277		44.2	%
	Retail		7,060		465		346		291		62.6	%		6,948		577		385		331		57.3	%		6,836		689		422		370		53.7	%
	of which: SME		6,167		451		334		286		63.4	%		6,068		551		369		322		58.4	%		5,968		650		402		357		54.9	%
	Secured by mortgages on immovable property		4,885		1353		656		629		46.5	%		4,849		1389		663		636		45.8	%		4,814		1424		670		643		45.2	%
	of which: SME		321		7		6		2		29.5	%		314		14		8		4		29.7	%		307		21		10		6		29.4	%
	Items associated with particularly high risk		153		3		2		1		49.4	%		152		3		2		2		49.3	%		152		4		2		2		49.2	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		21.9	%		0		0		0		0		21.9	%		0		0		0		0		21.9	%
	Collective investments undertakings (CIU)		0		0		0		0		21.9	%		0		0		0		0		21.9	%		0		0		0		0		21.9	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		6,281		311		208		118		37.8	%		6,279		314		208		118		37.6	%		6,276		316		209		118		37.3	%

	Standardised Total		97,852		3453		2,191		1,824		52.8	%		97,469		3836		2,288		1,953		50.9	%		97,088		4216		2,382		2,080		49.3	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
United States	Central governments or central banks		8,726		33		13		13		40.0	%		8,725		33		14		13		40.0	%		8,725		34		14		13		40.0	%
	Regional governments or local authorities		5,568		5		3		2		40.0	%		5,566		7		4		3		40.0	%		5,564		9		4		3		40.0	%
	Public sector entities		886		0		10		0		24.7	%		885		1		11		0		24.7	%		885		1		11		0		24.6	%
	Multilateral Development Banks		3		0		0		0		20.0	%		3		0		0		0		20.0	%		3		0		0		0		20.0	%
	International Organisations		0		0		0		0		26.6	%		0		0		0		0		26.6	%		0		0		0		0		26.6	%
	Institutions		994		29		10		7		24.6	%		986		38		12		9		24.3	%		976		48		15		11		24.1	%
	Corporates		33,761		1776		745		403		22.7	%		32,505		3032		1,102		713		23.5	%		31,062		4476		1,455		1,081		24.1	%
	of which: SME		3,349		242		89		55		22.8	%		3,224		367		124		86		23.4	%		3,081		510		159		122		24.0	%
	Retail		7,946		328		400		190		57.7	%		7,741		534		525		320		60.0	%		7,540		735		646		450		61.2	%
	of which: SME		1,440		72		110		44		61.0	%		1,363		149		157		92		61.7	%		1,287		225		203		140		62.4	%
	Secured by mortgages on immovable property		9,377		209		114		44		21.0	%		9,283		303		153		61		20.2	%		9,165		420		193		83		19.8	%
	of which: SME		2		5		1		1		22.7	%		2		6		1		1		22.7	%		2		6		1		1		22.7	%
	Items associated with particularly high risk		1,029		70		46		29		41.1	%		1,008		91		44		37		40.5	%		998		100		45		41		40.8	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		8		0		0		0		26.6	%		8		0		0		0		26.6	%		8		0		0		0		26.5	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		1,771		4		92		1		19.5	%		1,769		6		92		1		17.2	%		1,768		7		92		1		15.7	%

	Standardised Total		70,068		2455		1,435		689		28.1	%		68,480		4044		1,957		1,157		28.6	%		66,694		5829		2,475		1,684		28.9	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Turkey	Central governments or central banks		19,015		1		1		0		40.0	%		19,014		2		2		1		40.0	%		19,012		3		2		1		40.0	%
	Regional governments or local authorities		45		0		0		0		40.0	%		45		0		0		0		40.0	%		45		0		0		0		40.0	%
	Public sector entities		103		0		0		0		24.3	%		103		0		0		0		24.3	%		103		0		0		0		24.3	%
	Multilateral Development Banks		6		0		0		0		20.0	%		6		0		0		0		20.0	%		6		0		0		0		20.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		2,448		3		2		1		40.3	%		2,445		6		4		2		40.3	%		2,442		9		5		4		40.3	%
	Corporates		24,239		1110		808		712		64.2	%		24,094		1255		859		767		61.1	%		23,958		1391		909		817		58.7	%
	of which: SME		7,707		616		437		407		66.0	%		7,660		662		454		424		64.1	%		7,617		706		469		440		62.4	%
	Retail		15,259		1199		878		735		61.3	%		14,982		1477		966		834		56.5	%		14,726		1732		1,053		926		53.4	%
	of which: SME		7,319		722		523		437		60.6	%		7,134		906		582		503		55.5	%		6,967		1074		639		564		52.5	%
	Secured by mortgages on immovable property		8,139		180		124		61		33.6	%		7,986		333		171		113		33.9	%		7,851		468		216		159		34.1	%
	of which: SME		5,609		153		120		59		38.7	%		5,478		284		166		110		38.8	%		5,360		402		210		156		38.8	%
	Items associated with particularly high risk		148		5		4		3		54.6	%		145		8		6		4		54.6	%		143		10		7		6		54.6	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		2,590		58		37		32		54.3	%		2,590		59		37		32		53.7	%		2,589		60		37		32		53.2	%

	Standardised Total		71,991		2556		1,854		1,544		60.4	%		71,409		3139		2,043		1,752		55.8	%		70,874		3674		2,228		1,945		52.9	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Mexico	Central governments or central banks		13,755		0		0		0		40.0	%		13,755		1		0		0		40.0	%		13,755		1		0		0		40.0	%
	Regional governments or local authorities		91		0		0		0		40.0	%		91		0		0		0		40.0	%		91		0		0		0		40.0	%
	Public sector entities		81		0		0		0		23.8	%		81		0		0		0		23.8	%		81		0		0		0		23.8	%
	Multilateral Development Banks		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		2,297		3		3		1		33.9	%		2,294		7		4		3		39.4	%		2,290		10		5		4		38.5	%
	Corporates		1,577		113		79		62		54.8	%		1,554		137		87		76		55.4	%		1,531		159		94		83		51.9	%
	of which: SME		188		3		3		1		18.2	%		186		6		4		2		37.4	%		183		9		4		3		35.2	%
	Retail		8,263		1497		1,942		1,283		85.7	%		7,547		2213		2,441		1,863		84.2	%		6,913		2847		2,899		2,375		83.4	%
	of which: SME		243		27		25		15		56.6	%		227		43		31		24		56.9	%		217		53		36		30		56.9	%
	Secured by mortgages on immovable property		9,705		486		265		134		27.6	%		9,310		881		328		224		25.5	%		8,973		1218		389		291		23.9	%
	of which: SME		2,051		236		163		100		42.3	%		1,912		376		201		159		42.5	%		1,821		466		239		199		42.7	%
	Items associated with particularly high risk		403		33		33		14		41.9	%		386		49		32		20		41.2	%		376		59		32		25		41.2	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		8		0		0		0		23.8	%		8		0		0		0		23.8	%		8		0		0		0		23.8	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		5,632		2		152		0		10.3	%		5,629		5		152		0		10.3	%		5,627		7		152		1		10.3	%

	Standardised Total		41,814		2135		2,474		1,494		70.0	%		40,656		3293		3,046		2,187		66.4	%		39,647		4302		3,572		2,779		64.6	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
France	Central governments or central banks		164		0		0		0		40.0	%		163		0		0		0		40.0	%		163		0		0		0		40.0	%
	Regional governments or local authorities		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Public sector entities		7		0		0		0		22.4	%		7		0		0		0		22.4	%		7		0		0		0		22.4	%
	Multilateral Development Banks		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		776		5		4		1		28.2	%		771		9		5		3		28.2	%		767		14		6		4		28.2	%
	Corporates		421		6		7		3		42.8	%		415		13		9		6		43.1	%		408		20		12		8		43.3	%
	of which: SME		8		0		0		0		42.8	%		8		0		0		0		43.0	%		8		0		0		0		43.2	%
	Retail		17		0		0		0		68.8	%		17		0		0		0		68.7	%		17		1		0		0		68.7	%
	of which: SME		0		0		0		0		70.0	%		0		0		0		0		70.0	%		0		0		0		0		70.0	%
	Secured by mortgages on immovable property		12		0		0		0		18.3	%		12		0		0		0		18.2	%		12		0		0		0		18.2	%
	of which: SME		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Items associated with particularly high risk		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		121		0		6		0		9.5	%		121		0		6		0		9.5	%		121		0		6		0		9.5	%

	Standardised Total		1,518		11		17		4		36.7	%		1,506		23		21		9		37.0	%		1,495		35		24		13		37.1	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Peru	Central governments or central banks		2,689		0		0		0		40.0	%		2,689		0		0		0		40.0	%		2,689		0		0		0		40.0	%
	Regional governments or local authorities		66		0		0		0		40.0	%		66		0		0		0		40.0	%		66		0		0		0		40.0	%
	Public sector entities		225		0		2		0		22.0	%		225		0		2		0		22.0	%		225		0		2		0		22.0	%
	Multilateral Development Banks		28		0		0		0		20.0	%		28		0		0		0		20.0	%		28		0		0		0		20.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		913		34		28		27		77.6	%		912		36		29		27		76.9	%		911		37		29		28		76.0	%
	Corporates		6,090		557		657		516		92.8	%		5,943		703		752		628		89.4	%		5,799		848		837		718		84.7	%
	of which: SME		1,610		174		198		161		93.0	%		1,571		212		224		191		90.0	%		1,533		250		246		215		85.7	%
	Retail		2,823		463		585		354		76.4	%		2,563		723		751		532		73.6	%		2,321		964		902		701		72.6	%
	of which: SME		1,335		156		255		134		86.1	%		1,195		295		339		228		77.3	%		1,070		421		415		316		75.0	%
	Secured by mortgages on immovable property		4,062		82		50		25		30.6	%		4,010		134		59		36		27.0	%		3,959		184		68		46		24.9	%
	of which: SME		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Items associated with particularly high risk		85		3		2		1		49.7	%		84		4		3		2		49.7	%		82		5		3		3		49.7	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		990		0		20		0		10.7	%		990		1		20		0		10.7	%		990		1		20		0		10.7	%

	Standardised Total		17,971		1138		1,343		923		81.1	%		17,508		1601		1,615		1,226		76.6	%		17,069		2040		1,861		1,495		73.3	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Chile	Central governments or central banks		1,478		0		0		0		40.0	%		1,478		0		0		0		40.0	%		1,478		0		0		0		40.0	%
	Regional governments or local authorities		5		0		0		0		40.0	%		5		0		0		0		40.0	%		5		0		0		0		40.0	%
	Public sector entities		84		0		0		0		22.6	%		84		0		0		0		22.6	%		84		0		0		0		22.6	%
	Multilateral Development Banks		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		591		19		8		6		31.5	%		586		24		9		7		29.0	%		580		29		10		8		27.3	%
	Corporates		5,229		240		200		186		77.4	%		5,183		286		213		198		69.3	%		5,134		335		226		211		63.2	%
	of which: SME		2,013		26		15		10		38.0	%		1,996		43		20		15		33.5	%		1,977		62		25		20		31.5	%
	Retail		3,255		443		539		345		77.8	%		3,006		693		728		549		79.2	%		2,778		920		903		738		80.2	%
	of which: SME		554		23		15		8		34.5	%		533		44		22		15		34.1	%		514		63		28		22		34.2	%
	Secured by mortgages on immovable property		5,728		150		53		38		25.6	%		5,691		187		54		41		21.7	%		5,659		218		56		43		19.5	%
	of which: SME		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Items associated with particularly high risk		266		36		20		15		41.3	%		259		44		19		18		41.3	%		257		46		20		19		41.4	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		516		1		16		0		17.9	%		516		1		16		0		14.7	%		515		1		16		0		13.3	%

	Standardised Total		17,152		888		835		590		66.4	%		16,806		1234		1,040		813		65.9	%		16,491		1550		1,230		1,019		65.8	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
United Kingdom	Central governments or central banks		0		0		0		0		40.0	%		0		0		0		0		40.0	%		0		0		0		0		40.0	%
	Regional governments or local authorities		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Public sector entities		3		0		0		0		23.7	%		3		0		0		0		23.7	%		3		0		0		0		23.7	%
	Multilateral Development Banks		4		0		0		0		20.0	%		4		0		0		0		20.0	%		4		0		0		0		20.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		1,407		12		8		4		34.7	%		1,398		21		11		7		32.2	%		1,387		32		13		10		31.2	%
	Corporates		451		27		21		16		59.0	%		443		35		25		20		56.7	%		435		43		28		24		55.3	%
	of which: SME		77		1		1		1		48.2	%		76		3		2		1		48.5	%		75		4		3		2		48.7	%
	Retail		133		2		3		2		69.5	%		131		4		4		3		69.2	%		130		5		5		4		69.0	%
	of which: SME		1		0		0		0		72.4	%		1		0		0		0		71.3	%		1		0		0		0		70.9	%
	Secured by mortgages on immovable property		127		6		3		2		32.6	%		126		7		3		2		31.1	%		125		8		3		3		30.1	%
	of which: SME		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Items associated with particularly high risk		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		23.7	%		0		0		0		0		23.7	%		0		0		0		0		23.7	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		883		0		17		0		10.4	%		883		1		17		0		10.4	%		883		1		17		0		10.4	%

	Standardised Total		3,009		48		53		24		49.7	%		2,988		68		59		32		46.4	%		2,967		89		66		40		44.6	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Colombia	Central governments or central banks		1,540		91		73		73		80.3	%		1,540		92		73		73		80.2	%		1,540		92		73		73		80.2	%
	Regional governments or local authorities		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Public sector entities		245		0		0		0		23.3	%		245		0		0		0		23.3	%		245		0		0		0		23.3	%
	Multilateral Development Banks		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		175		5		3		3		50.8	%		174		6		4		3		49.5	%		172		8		5		4		48.6	%
	Corporates		3,759		149		139		119		79.8	%		3,729		179		153		132		74.0	%		3,696		212		168		147		69.5	%
	of which: SME		39		47		41		40		86.2	%		39		47		41		41		86.0	%		39		48		41		41		85.7	%
	Retail		4,278		440		437		313		71.1	%		4,119		599		525		407		68.0	%		3,966		752		609		498		66.2	%
	of which: SME		299		10		13		6		55.4	%		289		20		18		11		55.3	%		279		30		23		17		55.3	%
	Secured by mortgages on immovable property		2,884		224		126		113		50.4	%		2,840		268		133		120		44.7	%		2,797		311		139		126		40.6	%
	of which: SME		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Items associated with particularly high risk		318		17		28		8		45.1	%		307		28		28		12		44.3	%		298		37		29		16		44.2	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		819		0		10		0		11.2	%		819		1		10		0		11.2	%		818		1		10		0		11.2	%

	Standardised Total		14,018		928		816		629		67.8	%		13,773		1173		927		748		63.8	%		13,533		1412		1,034		865		61.3	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Baseline Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Italy	Central governments or central banks		6,646		14		12		5		40.0	%		6,632		28		17		11		40.0	%		6,619		41		22		16		40.0	%
	Regional governments or local authorities		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Public sector entities		1		0		0		0		23.5	%		1		0		0		0		23.5	%		1		0		0		0		23.4	%
	Multilateral Development Banks		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		23.5	%		0		0		0		0		23.5	%		0		0		0		0		23.4	%
	Institutions		100		1		0		0		29.2	%		99		1		1		0		29.3	%		99		2		1		1		29.3	%
	Corporates		108		1		2		1		51.6	%		107		3		2		1		51.6	%		106		4		3		2		51.7	%
	of which: SME		85		1		1		1		51.6	%		84		2		2		1		51.6	%		83		3		2		2		51.7	%
	Retail		1		0		0		0		68.6	%		1		0		0		0		68.7	%		1		0		0		0		68.8	%
	of which: SME		0		0		0		0		70.0	%		0		0		0		0		70.0	%		0		0		0		0		70.0	%
	Secured by mortgages on immovable property		9		0		0		0		23.8	%		9		0		0		0		23.8	%		9		0		0		0		23.7	%
	of which: SME		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Items associated with particularly high risk		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		68		0		1		0		11.0	%		68		0		1		0		11.0	%		68		0		1		0		11.0	%

	Standardised Total		6,933		16		15		6		40.5	%		6,917		32		21		13		40.4	%		6,902		47		27		19		40.4	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Banco Bilbao Vizcaya Argentaria S.A.	Central governments or central banks		131,404		347		363		184		52.9	%		131,210		542		404		261		48.2	%		131,007		744		444		342		46.0	%
	Regional governments or local authorities		6,490		14		8		6		46.1	%		6,487		17		9		8		44.9	%		6,483		20		10		9		44.1	%
	Public sector entities		1,705		1		12		0		32.9	%		1,705		1		13		0		29.3	%		1,704		2		13		1		27.7	%
	Multilateral Development Banks		191		0		0		0		40.0	%		191		0		0		0		40.0	%		191		0		0		0		40.0	%
	International Organisations		1		0		0		0		70.4	%		1		0		0		0		70.3	%		1		0		0		0		70.2	%
	Institutions		12,095		204		149		87		42.4	%		11,940		359		178		138		38.4	%		11,850		449		208		170		37.8	%
	Corporates		90,878		6397		5,052		3,582		56.0	%		87,529		9747		6,381		4,859		49.9	%		83,977		13299		7,662		6,225		46.8	%
	of which: SME		17,049		1880		1,343		1,132		60.2	%		16,636		2294		1,513		1,300		56.7	%		16,207		2723		1,673		1,471		54.0	%
	Retail		53,815		5815		6,382		4,240		72.9	%		50,906		8725		8,130		6,037		69.2	%		48,258		11373		9,772		7,828		68.8	%
	of which: SME		18,679		1855		1,690		1,169		63.0	%		17,758		2777		2,090		1,609		57.9	%		16,976		3558		2,465		2,015		56.6	%
	Secured by mortgages on immovable property		47,931		3139		1,788		1,262		40.2	%		46,838		4232		2,026		1,522		36.0	%		45,938		5132		2,262		1,755		34.2	%
	of which: SME		8,534		461		331		192		41.7	%		8,223		772		425		314		40.6	%		7,988		1007		518		410		40.8	%
	Items associated with particularly high risk		2,401		166		135		71		42.4	%		2,341		226		134		95		42.0	%		2,305		262		139		111		42.3	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		25		0		0		0		23.8	%		25		0		0		0		23.8	%		25		0		0		0		23.8	%
	Collective investments undertakings (CIU)		24		0		0		0		26.2	%		24		0		0		0		26.2	%		24		0		0		0		26.2	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		22,380		432		633		188		43.5	%		22,371		441		634		189		42.8	%		22,361		451		635		190		42.2	%

	Standardised Total		369,341		16516		14,521		9,621		58.2	%		361,567		24290		17,909		13,110		54.0	%		354,125		31733		21,144		16,630		52.4	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Spain	Central governments or central banks		70,779		181		242		73		40.0	%		70,605		356		275		142		40.0	%		70,424		537		307		215		40.0	%
	Regional governments or local authorities		556		8		5		4		49.9	%		554		10		5		5		48.5	%		553		11		6		5		47.3	%
	Public sector entities		5		0		0		0		51.7	%		5		0		0		0		51.5	%		5		0		0		0		51.4	%
	Multilateral Development Banks		119		0		0		0		40.0	%		119		0		0		0		40.0	%		119		0		0		0		40.0	%
	International Organisations		0		0		0		0		21.9	%		0		0		0		0		21.9	%		0		0		0		0		21.9	%
	Institutions		512		5		5		2		31.3	%		504		13		6		4		30.7	%		500		17		7		5		31.0	%
	Corporates		7,385		1242		926		798		64.2	%		7,179		1448		979		877		60.6	%		7,041		1586		1,027		934		58.9	%
	of which: SME		1,138		612		293		275		45.0	%		1,108		641		301		287		44.7	%		1,088		662		308		295		44.6	%
	Retail		6,972		553		453		340		61.4	%		6,764		761		521		435		57.1	%		6,620		905		584		502		55.5	%
	of which: SME		6,080		539		436		333		61.8	%		5,887		732		497		421		57.5	%		5,757		862		555		482		55.9	%
	Secured by mortgages on immovable property		4,875		1362		697		639		46.9	%		4,835		1403		708		656		46.8	%		4,800		1438		717		670		46.6	%
	of which: SME		317		11		10		4		33.3	%		307		22		12		8		36.1	%		299		29		15		10		35.9	%
	Items associated with particularly high risk		153		3		2		1		49.4	%		152		3		2		2		49.3	%		152		4		2		2		49.2	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		21.9	%		0		0		0		0		21.9	%		0		0		0		0		21.9	%
	Collective investments undertakings (CIU)		0		0		0		0		21.9	%		0		0		0		0		21.9	%		0		0		0		0		21.9	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		6,281		311		208		118		37.8	%		6,279		314		208		118		37.6	%		6,276		316		209		118		37.3	%

	Standardised Total		97,638		3666		2,539		1,974		53.8	%		96,997		4307		2,704		2,239		52.0	%		96,490		4814		2,860		2,452		50.9	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
United States	Central governments or central banks		8,726		33		13		13		40.0	%		8,725		33		14		13		40.0	%		8,725		34		14		13		40.0	%
	Regional governments or local authorities		5,568		5		3		2		40.0	%		5,566		7		4		3		40.0	%		5,564		9		4		3		40.0	%
	Public sector entities		886		0		10		0		24.7	%		885		1		11		0		24.7	%		885		1		11		0		24.6	%
	Multilateral Development Banks		3		0		0		0		40.0	%		3		0		0		0		40.0	%		3		0		0		0		39.9	%
	International Organisations		0		0		0		0		26.6	%		0		0		0		0		26.6	%		0		0		0		0		26.6	%
	Institutions		991		33		14		9		25.8	%		980		44		19		13		28.7	%		965		59		24		18		30.4	%
	Corporates		33,529		2009		1,259		527		26.2	%		31,690		3847		2,178		1,247		32.4	%		29,052		6485		3,075		2,211		34.1	%
	of which: SME		3,326		265		142		69		26.0	%		3,143		447		233		140		31.4	%		2,882		709		322		236		33.3	%
	Retail		7,922		352		490		215		60.9	%		7,654		620		659		401		64.6	%		7,408		867		816		573		66.0	%
	of which: SME		1,431		81		161		52		64.5	%		1,312		200		248		140		69.7	%		1,194		318		328		228		71.8	%
	Secured by mortgages on immovable property		9,280		306		192		62		20.2	%		9,063		523		265		111		21.2	%		8,867		718		339		164		22.9	%
	of which: SME		2		5		1		1		22.7	%		2		6		1		1		22.7	%		2		6		1		1		22.8	%
	Items associated with particularly high risk		1,029		70		46		29		41.1	%		1,008		91		44		37		40.5	%		998		100		45		41		40.8	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		8		0		0		0		26.6	%		8		0		0		0		26.6	%		8		0		0		0		26.5	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		1,771		4		92		1		19.5	%		1,769		6		92		1		17.2	%		1,768		7		92		1		15.7	%

	Standardised Total		69,711		2812		2,120		857		30.5	%		67,352		5171		3,285		1,825		35.3	%		64,243		8280		4,420		3,025		36.5	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Turkey	Central governments or central banks		19,015		1		1		0		40.0	%		19,014		2		2		1		40.0	%		19,012		3		2		1		40.0	%
	Regional governments or local authorities		45		0		0		0		40.0	%		45		0		0		0		40.0	%		45		0		0		0		40.0	%
	Public sector entities		103		0		0		0		24.3	%		103		0		0		0		24.3	%		103		0		0		0		24.3	%
	Multilateral Development Banks		6		0		0		0		40.0	%		6		0		0		0		40.0	%		6		0		0		0		40.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		2,441		9		9		4		40.3	%		2,427		23		12		9		40.3	%		2,421		30		15		12		40.3	%
	Corporates		24,151		1198		1,091		908		75.8	%		23,883		1466		1,164		1,012		69.0	%		23,710		1639		1,230		1,080		65.9	%
	of which: SME		7,678		644		572		513		79.7	%		7,593		729		595		546		74.9	%		7,538		784		616		568		72.4	%
	Retail		15,079		1380		1,038		836		60.6	%		14,622		1836		1,186		1,002		54.6	%		14,225		2233		1,329		1,151		51.5	%
	of which: SME		7,154		886		662		528		59.6	%		6,809		1232		780		656		53.3	%		6,497		1544		895		774		50.2	%
	Secured by mortgages on immovable property		8,113		206		138		70		33.8	%		7,949		370		187		126		34.0	%		7,812		507		234		175		34.6	%
	of which: SME		5,593		169		133		68		40.0	%		5,454		308		181		122		39.7	%		5,332		430		228		171		39.8	%
	Items associated with particularly high risk		148		5		4		3		54.6	%		145		8		6		4		54.6	%		143		10		7		6		54.6	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		2,590		58		37		32		54.3	%		2,590		59		37		32		53.7	%		2,589		60		37		32		53.2	%

	Standardised Total		71,690		2858		2,318		1,852		64.8	%		70,783		3765		2,593		2,186		58.1	%		70,065		4483		2,853		2,457		54.8	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Mexico	Central governments or central banks		13,755		0		0		0		40.0	%		13,755		1		0		0		40.0	%		13,755		1		0		0		40.0	%
	Regional governments or local authorities		91		0		0		0		40.0	%		91		0		0		0		40.0	%		91		0		0		0		40.0	%
	Public sector entities		81		0		0		0		23.8	%		81		0		0		0		23.8	%		81		0		0		0		23.8	%
	Multilateral Development Banks		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		2,290		10		10		4		38.9	%		2,276		25		13		10		41.0	%		2,269		32		16		13		40.6	%
	Corporates		1,567		124		90		66		53.3	%		1,528		163		102		87		53.1	%		1,497		193		110		96		49.6	%
	of which: SME		187		4		4		1		23.5	%		182		9		5		3		38.5	%		179		13		6		5		36.3	%
	Retail		8,051		1710		2,342		1,489		87.1	%		7,102		2658		3,058		2,259		85.0	%		6,195		3565		3,703		2,990		83.9	%
	of which: SME		242		28		26		16		58.4	%		226		44		32		26		58.5	%		216		55		38		32		58.1	%
	Secured by mortgages on immovable property		9,673		518		309		148		28.5	%		9,234		957		380		256		26.8	%		8,917		1274		450		335		26.3	%
	of which: SME		2,041		246		172		107		43.5	%		1,901		386		210		169		43.7	%		1,811		476		247		208		43.6	%
	Items associated with particularly high risk		403		33		33		14		41.9	%		386		49		32		20		41.2	%		376		59		32		25		41.2	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		8		0		0		0		23.8	%		8		0		0		0		23.8	%		8		0		0		0		23.8	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		5,632		2		152		0		10.3	%		5,629		5		152		0		10.3	%		5,627		7		152		1		10.3	%

	Standardised Total		41,552		2397		2,937		1,721		71.8	%		40,092		3857		3,738		2,633		68.3	%		38,817		5132		4,464		3,460		67.4	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
France	Central governments or central banks		164		0		0		0		40.0	%		163		0		0		0		40.0	%		163		0		0		0		40.0	%
	Regional governments or local authorities		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Public sector entities		7		0		0		0		22.4	%		7		0		0		0		22.4	%		7		0		0		0		22.4	%
	Multilateral Development Banks		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		766		15		10		5		33.0	%		755		25		13		8		32.9	%		745		35		16		12		32.9	%
	Corporates		415		12		17		6		52.7	%		400		27		22		15		53.1	%		389		38		26		20		53.1	%
	of which: SME		8		0		0		0		52.7	%		8		1		0		0		53.1	%		7		1		0		0		53.1	%
	Retail		17		0		1		0		71.4	%		17		1		1		0		71.3	%		16		1		1		1		71.3	%
	of which: SME		0		0		0		0		72.9	%		0		0		0		0		72.9	%		0		0		0		0		72.9	%
	Secured by mortgages on immovable property		12		0		0		0		26.8	%		12		0		0		0		26.7	%		12		0		0		0		26.6	%
	of which: SME		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Items associated with particularly high risk		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		121		0		6		0		9.5	%		121		0		6		0		9.5	%		121		0		6		0		9.5	%

	Standardised Total		1,502		28		34		12		42.0	%		1,475		54		42		24		43.5	%		1,453		76		49		33		43.5	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Peru	Central governments or central banks		2,689		0		0		0		40.0	%		2,689		0		0		0		40.0	%		2,689		0		0		0		40.0	%
	Regional governments or local authorities		66		0		0		0		40.0	%		66		0		0		0		40.0	%		66		0		0		0		40.0	%
	Public sector entities		225		0		2		0		22.0	%		225		0		2		0		22.0	%		225		0		2		0		22.0	%
	Multilateral Development Banks		28		0		0		0		40.0	%		28		0		0		0		40.0	%		28		0		0		0		40.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		912		35		29		27		76.6	%		910		38		30		28		74.7	%		908		40		31		29		73.5	%
	Corporates		6,055		592		689		533		90.2	%		5,862		784		800		668		85.2	%		5,693		953		896		770		80.8	%
	of which: SME		1,601		183		207		166		90.8	%		1,550		234		236		201		86.2	%		1,505		278		262		228		82.0	%
	Retail		2,813		473		625		375		79.3	%		2,537		749		802		573		76.5	%		2,285		1001		960		751		75.0	%
	of which: SME		1,329		161		278		145		89.8	%		1,180		310		367		251		81.0	%		1,051		439		446		343		78.0	%
	Secured by mortgages on immovable property		4,059		84		54		26		31.1	%		4,002		141		64		39		27.9	%		3,950		194		73		50		25.7	%
	of which: SME		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Items associated with particularly high risk		85		3		2		1		49.7	%		84		4		3		2		49.7	%		82		5		3		3		49.7	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		990		0		20		0		10.7	%		990		1		20		0		10.7	%		990		1		20		0		10.7	%

	Standardised Total		17,922		1187		1,421		963		81.1	%		17,392		1716		1,720		1,310		76.3	%		16,914		2194		1,986		1,602		73.0	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Chile	Central governments or central banks		1,478		0		0		0		40.0	%		1,478		0		0		0		40.0	%		1,478		0		0		0		40.0	%
	Regional governments or local authorities		5		0		0		0		40.0	%		5		0		0		0		40.0	%		5		0		0		0		40.0	%
	Public sector entities		84		0		0		0		22.6	%		84		0		0		0		22.6	%		84		0		0		0		22.6	%
	Multilateral Development Banks		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		588		21		12		8		37.7	%		581		28		14		11		38.3	%		576		33		16		13		38.5	%
	Corporates		5,191		278		229		204		73.3	%		5,111		358		242		225		62.9	%		5,063		406		255		238		58.7	%
	of which: SME		1,999		40		23		14		34.0	%		1,968		71		29		22		30.9	%		1,949		90		33		27		30.1	%
	Retail		3,247		451		557		352		78.1	%		2,989		709		745		559		78.8	%		2,760		939		916		746		79.4	%
	of which: SME		550		27		26		14		54.3	%		527		50		33		25		50.9	%		507		69		39		32		46.2	%
	Secured by mortgages on immovable property		5,715		163		89		40		24.4	%		5,650		227		94		44		19.5	%		5,586		291		98		49		16.9	%
	of which: SME		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Items associated with particularly high risk		266		36		20		15		41.3	%		259		44		19		18		41.3	%		257		46		20		19		41.4	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		516		1		16		0		17.9	%		516		1		16		0		14.7	%		515		1		16		0		13.3	%

	Standardised Total		17,090		950		922		619		65.1	%		16,673		1367		1,130		857		62.7	%		16,324		1716		1,321		1,065		62.1	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
United Kingdom	Central governments or central banks		0		0		0		0		40.0	%		0		0		0		0		40.0	%		0		0		0		0		40.0	%
	Regional governments or local authorities		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Public sector entities		3		0		0		0		23.7	%		3		0		0		0		23.7	%		3		0		0		0		23.7	%
	Multilateral Development Banks		4		0		0		0		40.0	%		4		0		0		0		40.0	%		4		0		0		0		40.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		1,386		33		23		12		35.3	%		1,358		61		32		21		34.6	%		1,331		88		40		30		34.3	%
	Corporates		443		35		38		21		61.0	%		419		59		48		36		60.4	%		400		78		58		47		60.1	%
	of which: SME		76		3		4		2		58.7	%		72		7		6		4		59.2	%		69		10		8		6		59.3	%
	Retail		131		4		7		3		71.8	%		127		9		9		6		71.4	%		123		12		11		9		71.4	%
	of which: SME		1		0		0		0		74.3	%		1		0		0		0		73.6	%		1		0		0		0		73.4	%
	Secured by mortgages on immovable property		126		7		5		3		50.3	%		124		9		6		4		47.5	%		122		11		6		5		45.5	%
	of which: SME		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Items associated with particularly high risk		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		23.7	%		0		0		0		0		23.7	%		0		0		0		0		23.7	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		883		0		17		0		10.4	%		883		1		17		0		10.4	%		883		1		17		0		10.4	%

	Standardised Total		2,977		79		91		40		49.8	%		2,918		139		112		67		48.6	%		2,866		190		132		91		47.7	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Colombia	Central governments or central banks		1,540		91		73		73		80.3	%		1,540		92		73		73		80.2	%		1,540		92		73		73		80.2	%
	Regional governments or local authorities		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Public sector entities		245		0		0		0		23.3	%		245		0		0		0		23.3	%		245		0		0		0		23.3	%
	Multilateral Development Banks		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Institutions		156		24		26		11		46.0	%		123		57		27		26		45.3	%		121		59		27		27		45.3	%
	Corporates		3,546		362		363		203		56.2	%		3,144		764		377		363		47.6	%		3,117		791		387		375		47.4	%
	of which: SME		37		49		43		41		84.1	%		33		53		43		43		80.7	%		32		54		43		43		80.5	%
	Retail		4,182		536		551		375		69.9	%		3,928		790		695		531		67.1	%		3,685		1033		843		675		65.4	%
	of which: SME		297		12		15		7		54.0	%		285		24		20		13		53.6	%		275		34		25		18		54.1	%
	Secured by mortgages on immovable property		2,882		226		126		113		50.2	%		2,837		271		133		120		44.4	%		2,795		313		139		127		40.5	%
	of which: SME		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Items associated with particularly high risk		318		17		28		8		45.1	%		307		28		28		12		44.3	%		298		37		29		16		44.2	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		819		0		10		0		11.2	%		819		1		10		0		11.2	%		818		1		10		0		11.2	%

	Standardised Total		13,688		1257		1,178		784		62.3	%		12,943		2002		1,343		1,126		56.2	%		12,620		2326		1,510		1,293		55.6	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)


		Adverse Scenario
		31/12/2018											31/12/2019											31/12/2020
	(mln EUR, %)	Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹			Performing exposure¹		Non performing exposure¹		Stock of provisions		Of which: from non performing exposures		Coverage Ratio - Non performing exposures¹
Italy	Central governments or central banks		6,645		15		15		6		40.0	%		6,627		33		22		13		40.0	%		6,608		52		29		21		40.0	%
	Regional governments or local authorities		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Public sector entities		1		0		0		0		23.5	%		1		0		0		0		23.5	%		1		0		0		0		23.4	%
	Multilateral Development Banks		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	International Organisations		0		0		0		0		23.5	%		0		0		0		0		23.5	%		0		0		0		0		23.4	%
	Institutions		99		2		1		1		33.8	%		98		3		2		1		33.9	%		96		5		2		2		33.9	%
	Corporates		107		3		4		2		58.1	%		103		7		6		4		58.4	%		100		10		8		6		58.5	%
	of which: SME		84		2		3		1		58.1	%		81		5		5		3		58.4	%		78		8		6		4		58.5	%
	Retail		1		0		0		0		72.3	%		1		0		0		0		72.0	%		1		0		0		0		71.8	%
	of which: SME		0		0		0		0		72.9	%		0		0		0		0		72.9	%		0		0		0		0		72.9	%
	Secured by mortgages on immovable property		9		0		0		0		29.6	%		9		0		0		0		29.4	%		9		0		0		0		29.3	%
	of which: SME		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Items associated with particularly high risk		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Covered bonds		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Claims on institutions and corporates with a ST credit assessment		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Collective investments undertakings (CIU)		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Equity		0		0		0		0		0.0	%		0		0		0		0		0.0	%		0		0		0		0		0.0	%
	Securitisation
	Other exposures		68		0		1		0		11.0	%		68		0		1		0		11.0	%		68		0		1		0		11.0	%

	Standardised Total		6,929		20		21		8		42.1	%		6,906		43		30		18		42.3	%		6,882		67		39		28		42.2	%

¹	Computed as defined in paragraphs 49 and 112 of the Methodological note)

LOGO

2018 EU-wide Stress Test: Securitisations

Banco Bilbao Vizcaya Argentaria S.A.


			Actual		Restated		Baseline Scenario						Adverse Scenario
		(mln EUR)	31/12/2017		31/12/2017		31/12/2018		31/12/2019		31/12/2020		31/12/2018		31/12/2019		31/12/2020
	STA			4,279		4,279
Exposure values	IRB			3,144		3,144
	Total			7,422		7,422
	STA			924		924		1,433		1,666		2,067		2,206		4,946		7,205
REA	IRB			827		827		2,058		2,072		2,072		2,237		2,474		2,619
	Total			1,751		1,751		3,491		3,738		4,139		4,443		7,421		9,824

Impairments	Total	Total banking book others than assessed at fair value		117		117		51		24		24		71		29		26

LOGO

2018 EU-wide Stress Test: Risk exposure amounts

Banco Bilbao Vizcaya Argentaria S.A.


	Actual		Restated		Baseline scenario						Adverse scenario
(mln EUR)	31/12/2017		31/12/2017		31/12/2018		31/12/2019		31/12/2020		31/12/2018		31/12/2019		31/12/2020
Risk exposure amount for credit risk		310,536		310,180		315,119		316,081		316,715		320,107		331,962		337,206
Risk exposure amount for securitisations and re-securitisations		1,751		1,751		3,491		3,738		4,139		4,443		7,421		9,824
Risk exposure amount other credit risk		308,785		308,430		311,628		312,343		312,576		315,665		324,542		327,382
Risk exposure amount for market risk		17,584		17,584		17,584		17,584		17,584		21,206		20,942		21,021
Risk exposure amount for operational risk		34,755		34,755		35,162		35,596		35,956		37,500		38,251		38,369
Other risk exposure amounts		0		0		0		0		0		0		0		0

Total risk exposure amount		362,875		362,519		367,866		369,261		370,255		378,813		391,156		396,596

LOGO

2018 EU-wide Stress Test: Capital

Banco Bilbao Vizcaya Argentaria S.A.


			Actual		Restated		Baseline Scenario						Adverse Scenario
		(mln EUR,%)	31/12/2017		31/12/2017		2018		2019		2020		2018		2019		2020
OWN FUNDS	A	OWN FUNDS		55,778		55,492		58,682		61,047		63,253		48,725		50,914		51,916
	A.1	COMMON EQUITY TIER 1 CAPITAL (net of deductions and after applying transitional adjustments)		42,341		42,054		43,610		45,970		48,175		33,629		35,764		36,749
	A.1.1	Capital instruments eligible as CET1 Capital (including share premium and net own capital instruments)		26,961		26,961		26,961		26,961		26,961		26,961		26,961		26,961
	A.1.1.1	Of which: CET1 instruments subscribed by Government		0		0		0		0		0		0		0		0
	A.1.2	Retained earnings		26,947		26,038		27,859		30,378		32,830		23,555		24,212		24,886
	A.1.3	Accumulated other comprehensive income		-8,877		-8,877		-8,877		-8,877		-8,877		-10,419		-10,419		-10,419
	A.1.3.1	Arising from full revaluation, cash flow hedge and liquidity reserves		-8,203		-8,203		-8,203		-8,203		-8,203		-9,744		-9,744		-9,744
	A.1.3.2	OCI Impact of defined benefit pension plans [gain or (-) loss]		-675		-675		-675		-675		-675		-675		-675		-675
	A.1.3.3	Other OCI contributions		0		0		0		0		0		0		0		0
	A.1.4	Other Reserves		5		5		5		5		5		5		5		5
	A.1.5	Funds for general banking risk		0		0		0		0		0		0		0		0
	A.1.6	Minority interest given recognition in CET1 capital		5,121		5,121		5,121		5,121		5,121		5,121		5,121		5,121
	A.1.7	Adjustments to CET1 due to prudential filters		-528		-528		-528		-528		-528		-528		-528		-528
	A.1.8	(-) Intangible assets (including Goodwill)		-8,284		-8,284		-8,284		-8,284		-8,284		-8,284		-8,284		-8,284
	A.1.9	(-) DTAs that rely on future profitability and do not arise from temporary differences net of associated DTLs		-1,197		-1,197		0		0		0		-2,488		-1,833		-1,365
	A.1.10	(-) IRB shortfall of credit risk adjustments to expected losses		-20		-20		0		0		0		0		0		0
	A.1.11	(-) Defined benefit pension fund assets		0		0		0		0		0		0		0		0
	A.1.12	(-) Reciprocal cross holdings in CET1 Capital		0		0		0		0		0		0		0		0
	A.1.13	(-) Excess deduction from AT1 items over AT1 Capital		0		0		0		0		0		0		0		0
	A.1.14	(-) Deductions related to assets which can alternatively be subject to a 1.250% risk weight		-39		-39		-39		-39		-39		-39		-39		-39
	A.1.14.1	Of which: from securitisation positions (-)		-39		-39		-39		-39		-39		-39		-39		-39
	A.1.15	(-) Holdings of CET1 capital instruments of financial sector entities where the institiution does not have a significant investment		0		0		0		0		0		0		0		0
	A.1.16	(-) Deductible DTAs that rely on future profitability and arise from temporary differences		0		0		0		0		0		-251		-120		-6
	A.1.17	(-) CET1 instruments of financial sector entities where the institiution has a significant investment		0		0		0		0		0		0		0		0
	A.1.18	(-) Amount exceding the 17.65% threshold		0		-260		0		0		0		-1,698		-1,597		-1,510
	A.1.19	(-) Additional deductions of CET1 Capital due to Article 3 CRR		0		0		0		0		0		0		0		0
	A.1.20	CET1 capital elements or deductions - other		-26		-26		-26		-26		-26		-26		-26		-26
	A.1.21	Memo item: Gross cumulative IFRS 9 impact on capital (net of taxes)				-909
	A.1.21.1	Of which: subject to transitional arrangements				-707		-973		-965		-940		-788		-1,375		-1,323
	A.1.21.1.1	Increase in IFRS 9 ECL provisions net of EL compared to related IAS 39 figures as at 31/12/17				1,113		1,113		1,113		1,113		1,113		1,113		1,113
	A.1.21.1.2	Increase in non-credit-impaired IFRS 9 ECL provisions net of EL compared to related IFRS 9 figures as at 01/01/2018				0		381		369		334		117		955		881
	A.1.21.1.3	Increase of CET1 capital due to the tax deductibility of the amounts above				407		521		517		507		442		693		671
	A.1.22	Transitional adjustments		2,279		3,161		1,419		1,260		1,013		1,720		2,311		1,953
	A.1.22.1	Transitional adjustments due to grandfathered CET1 Capital instruments (+/-)		0		0		0		0		0		0		0		0
	A.1.22.2	Transitional adjustments due to additional minority interests (+/-)		325		325		0		0		0		0		0		0
	A.1.22.3	Adjustments due to IFRS 9 transitional arrangements				882		1,419		1,260		1,013		1,169		1,758		1,396
	A.1.22.3.1	From the increased IFRS 9 ECL provisions net of EL				671		925		820		658		749		1,169		926
	A.1.22.3.2	From the amount of DTAs that is deducted from CET1 capital				211		495		440		355		420		589		470
	A.1.22.4	Other transitional adjustments to CET1 Capital		1,954		1,954		0		0		0		552		553		557
	A.1.22.4.1	Of which: due to DTAs that rely on future profitability and do not arise from temporary differences		442		442		0		0		0		203		0		0
	A.1.22.4.2	Of which: due to DTAs that rely on future profitability and arise from temporary differences and CET1 instruments of financial sector entities where the institution has a significant investment		0		244		0		0		0		349		553		557
	A.1.22.4.3	Of which: Transitional adjustments to CET1 Capital from unrealised gains/losses (+/-)		-165		-165


			Actual			Restated			Baseline Scenario									Adverse Scenario
		(mln EUR,%)	31/12/2017			31/12/2017			2018			2019			2020			2018			2019			2020
	A.2	ADDITIONAL TIER 1 CAPITAL (net of deductions and after transitional adjustments)		4,639			4,639			6,255			6,255			6,255			6,255			6,255			6,255
	A.2.1	Additional Tier 1 Capital instruments		6,255			6,255			6,255			6,255			6,255			6,255			6,255			6,255
	A.2.2	(-) Excess deduction from T2 items over T2 capital		0			0			0			0			0			0			0			0
	A.2.3	Other Additional Tier 1 Capital components and deductions		0			0			0			0			0			0			0			0
	A.2.4	Additional Tier 1 transitional adjustments		-1,616			-1,616			0			0			0			0			0			0
	A.2.4.1	Of which: adjustments due to IFRS 9 transitional arrangements					0			0			0			0			0			0			0
	A.3	TIER 1 CAPITAL (net of deductions and after transitional adjustments)		46,980			46,693			49,865			52,225			54,430			39,884			42,019			43,004
	A.4	TIER 2 CAPITAL (net of deductions and after transitional adjustments)		8,798			8,798			8,817			8,822			8,823			8,842			8,895			8,912
	A.4.1	Tier 2 Capital instruments		8,022			8,022			8,022			8,022			8,022			8,022			8,022			8,022
	A.4.2	Other Tier 2 Capital components and deductions		601			601			620			625			626			645			698			715
	A.4.3	Tier 2 transitional adjustments		175			175			175			175			175			175			175			175
	A.4.3.1	Of which: adjustments due to IFRS 9 transitional arrangements					0			0			0			0			0			0			0
	A.5	Grandfathered Additional Tier 1 Capital instruments eligible as Tier 2		0			0			0			0			0			0			0			0
TOTAL RISK EXPOSURE AMOUNT	B	TOTAL RISK EXPOSURE AMOUNT		362,875			362,519			367,866			369,261			370,255			378,813			391,156			396,596
	B.1	Of which: Transitional adjustments included		0			-53			-556			-489			-390			944			1,193			1,017
	B.2	Adjustments due to IFRS 9 transitional arrangements					338			317			321			269			1,008			895			690
CAPITAL RATIOS (%) Transitional period	C.1	Common Equity Tier 1 Capital ratio		11.67	%		11.59	%		11.84	%		12.44	%		13.00	%		8.85	%		9.12	%		9.25	%
	C.2	Tier 1 Capital ratio		12.95	%		12.87	%		13.54	%		14.13	%		14.69	%		10.50	%		10.72	%		10.82	%
	C.3	Total Capital ratio		15.37	%		15.29	%		15.94	%		16.52	%		17.07	%		12.83	%		12.99	%		13.07	%
Fully loaded CAPITAL	D.1	COMMON EQUITY TIER 1 CAPITAL (fully loaded)		40,061			38,893			42,191			44,710			47,162			31,908			33,453			34,796
	D.2	TIER 1 CAPITAL (fully loaded)		46,316			45,148			48,446			50,965			53,417			38,163			39,708			41,051
	D.3	TOTAL CAPITAL (fully loaded)		54,940			53,771			57,088			59,612			62,066			46,830			48,428			49,788
CAPITAL RATIOS (%) Fully loaded	E.1	Common Equity Tier 1 Capital ratio		11.04	%		10.73	%		11.45	%		12.09	%		12.72	%		8.44	%		8.58	%		8.80	%
	E.2	Tier 1 Capital ratio		12.76	%		12.45	%		13.15	%		13.78	%		14.41	%		10.10	%		10.18	%		10.38	%
	E.3	Total Capital ratio		15.14	%		14.83	%		15.50	%		16.12	%		16.75	%		12.39	%		12.42	%		12.59	%
	F	Total amount of instruments with mandatory conversion into ordinary shares upon a fixed date in the 2018 - 2020 period (cumulative conversions) (1)		0			0			0			0			0			0			0			0
	G	Total Additional Tier 1 and Tier 2 instruments eligible as regulatory capital under the CRR provisions that convert into Common Equity Tier 1 or are written down upon a trigger event (2)								0			0			0			0			0			0
	G.1	Of which: eligible instruments whose trigger is above CET1 capital ratio in the adverse scenario (2)								0			0			0			0			0			0
Memorandum items	H.1	Total leverage ratio exposures (transitional)		709,480			709,480			709,480			709,480			709,480			709,480			709,480			709,480
	H.2	Total leverage ratio exposures (fully loaded)		709,758			709,758			709,758			709,758			709,758			709,758			709,758			709,758
	H.3	Leverage ratio (transitional)		6.62	%		6.58	%		7.03	%		7.36	%		7.67	%		5.62	%		5.92	%		6.06	%
	H.4	Leverage ratio (fully loaded)		6.53	%		6.36	%		6.83	%		7.18	%		7.53	%		5.38	%		5.59	%		5.78	%
Transitional combined buffer requirements (%)	P.1	Capital conservation buffer		1.25	%		1.25	%		1.88	%		2.50	%		2.50	%		1.88	%		2.50	%		2.50	%
	P.2	Countercyclical capital buffer		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%
	P.3	O-SII buffer		0.38	%		0.38	%		0.56	%		0.75	%		0.75	%		0.56	%		0.75	%		0.75	%
	P.4	G-SII buffer		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%
	P.5	Systemic risk buffer applied to all exposures according to article 133 (4) of CRD IV		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%
	P.5.1	Systemic risk buffer applied to domestic exposures only according to article 133 (5) of CRD IV		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%		0.00	%
	P.6	Combined buffer		1.63	%		1.63	%		2.44	%		3.25	%		3.25	%		2.44	%		3.25	%		3.25	%

(1)	Conversions not considered for CET1 computation

(2)	Excluding instruments included in row F

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2018 EU-wide Stress Test: P&L

Banco Bilbao Vizcaya Argentaria S.A.


	Actual		Baseline scenario						Adverse scenario
(mln EUR)	31/12/2017		31/12/2018		31/12/2019		31/12/2020		31/12/2018		31/12/2019		31/12/2020
Net interest income		17,258		17,193		17,048		16,910		16,360		15,589		14,890
Interest income		28,936		27,599		27,841		28,245		28,908		29,939		30,431
Interest expense		-11,678		-10,406		-10,793		-11,335		-12,485		-14,160		-15,241
Dividend income		326		326		326		326		245		245		245
Net fee and commission income		5,144		5,144		5,144		5,144		4,115		4,115		4,115
Gains or losses on financial assets and liabilities held for trading and trading financial assets and trading financial liabilities		907		458		458		458		-542		343		343
Gains or losses on non-trading financial assets mandatorily at fair value through profit or loss by instrument and Gains or losses on financial assets and liabilities designated at fair value through profit or loss										-85
Other operating income not listed above, net		198		23		-9		-10		257		16		17

Total operating income, net		23,833		23,144		22,968		22,829		20,350		20,308		19,611
Impairment or (-) reversal of impairment on financial assets not measured at fair value through profit or loss		-4,658		-5,262		-2,892		-2,940		-10,886		-5,083		-4,798
Other income and expenses not listed above, net		-12,338		-12,112		-12,358		-12,361		-13,520		-12,797		-13,008

Profit or (-) loss before tax from continuing operations		6,837		5,770		7,717		7,528		-4,057		2,428		1,805
Tax expenses or (-) income related to profit or loss from continuing operations		-2,125		-1,633		-2,217		-2,160		1,290		-655		-468

Profit or (-) loss after tax from discontinued operations		0

Profit or (-) loss for the year		4,712		4,137		5,500		5,367		-2,766		1,773		1,337
Amount of dividends paid and minority interests after MDA-related adjustments		2,131		2,316		2,980		2,916		-283		1,115		664

Attributable to owners of the parent net of estimated dividends		2,581		1,821		2,520		2,452		-2,484		658		673

Memo row: Impact of one-off adjustments				304		304		304		304		304		304
The results include distribution restrictions for MDA adjustments				No		No		No		No		Yes		No

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2018 EU-wide Stress Test:

Major capital measures and realised losses

Banco Bilbao Vizcaya Argentaria S.A.


Issuance of CET 1 Instruments 01 January to 30 June 2018	Impact on Common Equity Tier 1 mln EUR
Raising of capital instruments eligible as CET1 capital (+)		0
Repayment of CET1 capital, buybacks (-)		0
Conversion to CET1 of hybrid instruments (+)		0

Net issuance of Additional Tier 1 and Tier 2 Instruments 01 January to 30 June 2018	Impact on Additional Tier 1 and Tier 2 mln EUR
Net issuance of Additional Tier 1 and T2 Instruments with a trigger at or above bank’s post stress test CET1 ratio in the adverse scenario during the stress test horizon (+/-)		0
Net issuance of Additional Tier 1 and T2 Instrument with a trigger below bank’s post stress test CET1 ratio in the adverse scenario during the stress test horizon (+/-)		0

Realised losses 01 January to 30 June 2018	mln EUR
Realised fines/litigation costs (net of provisions) (-)		0
Other material losses and provisions (-)		0

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2018 EU-wide Stress Test

Information on performing and non-performing exposures¹

Banco Bilbao Vizcaya Argentaria S.A.


	Actual
	31/12/2017
	Gross carrying amount								Accumulated impairment, accumulated changes in fair value due to credit risk and provisions				Collaterals and financial guarantees received on non-performing exposures
					Of which non- performing
(mln EUR)			Of which performing but past due >30 days and <=90 days				Of which: defaulted		On performing exposures²		On non- performing exposures³
Debt securities (including at amortised cost and fair value)		70,701		0		66		66		21		28		0
Central banks		1,363		0		0		0		0		0		0
General governments		55,263		0		0		0		6		0		0
Credit institutions		1,968		0		0		0		9		0		0
Other financial corporations		9,144		0		42		42		2		16		0
Non-financial corporations		2,964		0		24		24		3		12		0
Loans and advances(including at amortised cost and fair value)		470,040		1,262		19,396		19,396		4,097		8,670		7,478
Central banks		39,019		0		0		0		0		0		0
General governments		32,400		16		171		171		69		42		62
Credit institutions		30,175		0		11		11		30		6		0
Other financial corporations		18,449		0		12		12		19		7		1
Non-financial corporations		172,493		323		10,784		10,784		1,929		5,593		3,002
Households		177,504		923		8,417		8,417		2,050		3,022		4,413

DEBT INSTRUMENTS other than HFT		540,741		1,262		19,461		19,461		4,118		8,697		7,478

OFF-BALANCE SHEET EXPOSURES		156,129				1,276		1,276		-327		-251		128

¹	For the definition of non-performing exposures please refer to COMMISSION IMPLEMENTING REGULATION (EU) 2015/227 of 9 January 2015, ANNEX V, Part 2-Template related instructions, subtitle 29

²	Institutions report here collective allowances for incurred but not reported losses (instruments at amortised cost) and changes in fair value of performing exposures due to credit risk and provisions (instruments at fair value other than HFT)

³	Institutions report here specific allowances for financial assets, individually and collectively estimated (instruments at amortised cost) and changes in fair value of NPE due to credit risk and provisions (instruments at fair value other than HFT)

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2018 EU-wide Stress Test

Information on performing and forborne exposures¹

Banco Bilbao Vizcaya Argentaria S.A.


	Actual
	31/12/2017
	Gross carrying amount of exposures with forbearance measures				Accumulated impairment, accumulated changes in fair value due to credit risk and provisions for exposures with forbearance measures				Collateral and financial guarantees received on exposures with forbearance measures
			Of which non-				Of which on non-
			performing				performing
			exposures with				exposures with
			forbearance				forbearance
(mln EUR)			measures				measures
Debt securities (including at amortised cost and fair value)		0		0		0		0		0
Central banks		0		0		0		0		0
General governments		0		0		0		0		0
Credit institutions		0		0		0		0		0
Other financial corporations		0		0		0		0		0
Non-financial corporations		0		0		0		0		0
Loans and advances (including at amortised cost and fair value)		21,320		12,127		4,995		4,616		11,253
Central banks		0		0		0		0		0
General governments		537		101		18		16		414
Credit institutions		0		0		0		0		0
Other financial corporations		24		4		5		3		1
Non-financial corporations		10,430		6,635		3,436		3,223		3,639
Households		10,329		5,386		1,537		1,373		7,199

DEBT INSTRUMENTS other than HFT		21,320		12,127		4,995		4,616		11,253

Loan commitments given		252		142		-29		-29		18

¹	For the definition of forborne exposures please refer to COMMISSION IMPLEMENTING REGULATION (EU) 2015/227 of 9 January 2015, ANNEX V, Part 2-Template related instructions, subtitle 30

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.