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Summary

Select first year
Select last year
Select the indicators:
      Growth
      2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Date 00-'08 08 – latest y-on-y
    Cost-to-Income ratio 56.9% 58.3% 58.5% 54.4% 53.2% 47.5% 43.1% 44.5% 43.5% 46.5% 49.8% 45.3% 48.2% 47.1% 51.0% 54.5% 57.1% 54.4% 56.3% Mar-19 -29.3% 26.7% 2.8%
    RoE 10.8% 11.0% 10.6% 10.6% 11.1% 13.7% 15.5% 10.4% 7.0% 5.2% -7.4% -35.5% 4.1% 4.9% 4.1% 2.7% -1.7% 5.4% 5.8% Mar-19 -3.4% -44.2% 6.3%
    RoA 0.82% 0.78% 0.82% 0.78% 0.83% 1.02% 1.07% 0.66% 0.44% 0.30% -0.52% -2.55% 0.13% 0.44% 0.38% 0.25% 0.0% 0.55% 0.58% Mar-19 -23.6% -12.4% 4.3%
    Loans-to-Deposits 135% 140% 145% 150% 161% 165% 168% 158% 152% 149% 150% 137% 123% 119% 115% 110% 110% 104% 102% Apr-19 14.8% -35.6% -6.0%
    Funding gap / Total assets 13.0% 14.9% 16.6% 18.3% 21.2% 23.6% 24.2% 21.3% 19.3% 18.7% 17.5% 12.8% 9.0% 7.6% 6.1% 4.5% 4.2% 1.8% 0.8% Apr-19 57.7% -96.3% -77.8%
    Leverage ratio 6.5% 6.4% 6.0% 6.5% 6.1% 5.9% 5.9% 5.6% 5.9% 5.5% 6.5% 5.7% 7.7% 7.9% 8.2% 8.6% 8.8% 8.7% 8.6% Apr-19 -17.8% 52.9% -2.9%
    NPL ratio 1.2% 1.1% 1.0% 0.8% 0.8% 0.7% 0.9% 3.4% 5.1% 5.8% 7.8% 10.4% 13.6% 12.5% 10.1% 9.1% 7.8% 5.81% 5.7% Apr-19 172% 69% -15.8%
    NPL coverage ratio 190.4% 216.6% 263.5% 320.6% 255.5% 272.2% 214.6% 70.8% 58.6% 66.9% 59.6% 73.8% 58.0% 58.1% 58.9% 58.9% 60.3% 61.0% 61.3% Apr-19 -58.2% -13.4% -2.3%
    Source: Bank of Spain statistics bulletin. End-of-period data.
    Please check the file in PDF format.

    Abridged balance sheet for the banking system. (EUR bn and % var.)

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      Growth
    Assets  2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Date 00-'08 08 – latest y-on-y
    Total lending 758 848 954 1,107 1,402 1,758 2,058 2,176 2,138 2,153 2,106 1,951 1,716 1,651 1,603 1,556 1,532 1,514 1,525 Apr-19 217% -29.2% -1.8%
    Public corporations 33 33 36 38 41 41 43 53 65 79 90 114 87 101 90 88 78 69 71 Apr-19 69% 33.9% -9.0%
    Domestic resident sector 625 702 802 946 1,203 1,509 1,760 1,870 1,837 1,844 1,783 1,605 1,448 1,380 1,327 1,276 1,254 1,208 1,200 Apr-19 234% -35.8% -1.6%
    Non residents 100 113 117 124 159 208 254 253 237 230 234 232 180 169 186 191 200 237 254 Apr-19 164% 0.3% 27.3%
    Fixed income securities and equity stakes 247 259 302 336 394 372 452 498 599 564 656 766 773 754 662 610 589 562 574 Apr-19 132% 15.4% -0.6%
    Fixed income securities 166 174 214 222 270 220 268 326 415 384 406 509 493 492 415 366 330 326 331 Apr-19 135% 1.6% 0.5%
    Of which: sovereign debt 103 105 114 96 95 76 79 100 155 165 198 247 264 288 251 225 206 200 202 Apr-19 6% 101% 0.0%
    Equity 81 84 88 114 124 152 184 172 184 180 251 258 280 262 246 244 259 236 244 Apr-19 128% 41.7% -2.1%
    Interbank lending 162 155 167 185 210 224 246 263 247 234 251 279 211 155 164 163 235 212 205 Apr-19 81% -22.1% -12.7%
    Other assets (net of interbank lending/deposits) 92 90 91 99 144 163 191 287 254 301 387 426 326 354 331 319 297 287 298 Apr-19 230% 3.8% 4.2%
    Total assets 1,259 1,352 1,515 1,727 2,150 2,517 2,946 3,224 3,238 3,252 3,400 3,423 3,026 2,913 2,760 2,647 2,652 2,576 2,602 Apr-19 184% -19.3% 0.3%
      Growth
    Liabilities and Shareholders' Equity  2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Date 00-'08 08 – latest y-on-y
    Customer deposits 844 910 999 1,108 1,366 1,592 1,839 2,013 2,015 2,031 1,934 1,725 1,684 1,686 1,637 1,578 1,539 1,549 1,563 Apr-19 169% -22.4% 4.2%
    Public corporations 34 40 35 42 55 67 75 76 82 79 70 69 63 76 77 54 62 72 74 Apr-19 263% -2.8% 19.9%
    Domestic resident sector 552 595 644 738 928 1,145 1,323 1,433 1,427 1,440 1,373 1,317 1,314 1,289 1,261 1,243 1,203 1,213 1,225 Apr-19 192% -14.5% 3.6%
    Non residents 259 275 320 328 383 381 442 505 507 511 492 339 306 320 299 281 275 264 264 Apr-19 113% -47.7% 3.2%
    Interbank deposits 163 171 194 199 227 228 269 315 305 270 373 573 381 312 303 288 327 288 286 Apr-19 95% -9.3% -13.8%
    Pro memoria: net interbank position 2 16 26 14 17 4 23 52 58 36 122 294 171 157 139 125 93 82 81 Apr-19 215% 56% -16.4%
    Debt issued 67 80 120 181 258 353 426 395 434 433 435 394 297 249 225 201 222 225 227 Apr-19 625% -42.4% 0.0%
    Other liabilities 102 105 111 127 168 196 237 320 294 340 439 535 430 436 368 352 330 291 303 Apr-19 253% -5.1% -1.6%
    Shareholders' equity 81 87 90 112 131 149 175 181 190 178 220 195 233 230 227 227 232 223 223 Apr-19 134% 23.5% -2.7%
    Pro memoria: ECB funding 11 15 26 25 30 21 52 93 81 70 132 357 207 142 133 140 168 168 167 Apr-19 566% 80% -1.5%
    Total Liabilities and Shareholders' Equity 1,259 1,352 1,515 1,727 2,150 2,517 2,946 3,224 3,238 3,252 3,400 3,423 3,026 2,913 2,760 2,647 2,652 2,576 2,602 Apr-19 184% -19.3% 0.3%
    Source: Bank of Spain statistics bulletin. End-of-period data.
    Please check the file in PDF format.

    Abridged income statement for the banking system. Cumulative annual results (EUR mn and % var.)

    Select first year
    Select last year
    Select the indicators:
        Growth
        2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Date 00-'08 08 – latest y-on-y
      Net interest revenue 20,570 22,284 23,620 23,752 24,554 27,028 32,141 35,158 43,035 34,292 29,565 32,739 26,816 27,118 26,411 24,296 23,229 23,277 5,705 Mar-19 92% -35.1% 0.4%
      Net fees and commissions 7,501 7,992 8,594 9,566 10,904 12,244 13,594 13,026 12,163 11,870 11,750 11,275 10,931 11,257 11,237 11,059 11,751 12,165 2,960 Mar-19 79% -9.1% -1.4%
      Trading gains and other revenue 7,648 5,823 4,620 7,941 9,247 14,412 19,384 18,198 12,354 17,151 15,811 15,493 17,797 17,043 13,884 13,085 11,758 12,331 2,844 Mar-19 276% -37.5% -8.3%
      Total revenue 35,719 36,099 36,834 41,259 44,705 53,683 65,119 66,382 67,552 63,313 57,126 59,507 55,544 55,418 51,532 48,440 46,737 47,774 11,509 Mar-19 118% -30.7% -2.7%
      Operating expenses -20,308 -21,036 -21,549 -22,434 -23,775 -25,473 -28,074 -29,508 -29,400 -29,431 -28,464 -26,951 -26,798 -26,116 -26,261 -26,388 -26,667 -25,989 -6,482 Mar-19 54% -12.1% 0%
      Personnel expenses -12,302 -12,676 -13,028 -13,515 -14,453 -15,572 -17,087 -17,901 -17,742 -17,643 -16,889 -15,587 -15,108 -14,329 -14,182 -13,943 -13,935 -13,648 -3,467 Mar-19 54% -22.5% 0.9%
      Other operating expenses -8,006 -8,360 -8,522 -8,919 -9,323 -9,902 -10,988 -11,606 -11,657 -11,789 -11,574 -11,364 -11,690 -11,787 -12,079 -12,445 -12,733 -12,341 -3,014 Mar-19 54% 3.9% -0.9%
      Pre-provision profit 15,412 15,063 15,284 18,825 20,930 28,210 37,044 36,875 38,152 33,882 28,662 32,556 28,746 29,302 25,271 22,052 20,070 21,784 5,027 Mar-19 226% -45.5% 6.1%
      Loan-loss provisions -3,171 -3,239 -4,433 -4,888 -4,139 -5,969 -8,029 -15,245 -19,551 -16,719 -22,668 -82,547 -21,800 -14,500 -10,698 -8,342 -9,127 -3,105 -857 Mar-19 620% -77.5% -1.2%
      Other income, net -2,482 -1,627 877 -1,255 -631 1,535 304 -1,240 -4,234 -7,326 -23,430 -37,142 -2,789 -1,739 -3,819 -6,993 -11,586 -4,234 -423 Mar-19 -299% 36.5% -43.7%
      Profit before taxes 9,758 10,197 11,728 12,682 16,159 23,776 29,319 20,389 14,367 9,837 -17,436 -87,133 4,156 13,063 10,754 6,617 -643 14,445 3,747 Mar-19 108% -26.5% 0.4%
      Net attributable income 8,587 9,250 9,441 10,735 13,500 19,124 25,112 18,421 12,956 9,673 -14,717 -73,706 8,790 11,343 9,313 6,078 -3,916 12,377 3,222 Mar-19 122% -30.0% 3.7%
      Source: Bank of Spain statistics bulletin. End-of-period data.
      Please check the file in PDF format.

      Relative size, staff and installed capacity in the banking system (%, number and % var.)

      Select first year
      Select last year
        Growth
      Lending and deposits  2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Date 00-'08 08 – latest y-on-y
      Lending to the private sector / GDP 89% 94% 100% 110% 129% 150% 163% 168% 170% 171% 166% 152% 139% 133% 123% 114% 108% 100% 99% Apr-19 94% -41.1% -9.5%
      Private sector deposits / GDP 79% 79% 80% 86% 100% 114% 122% 128% 132% 133% 128% 125% 126% 124% 117% 111% 103% 100% 101% Apr-19 69% -21.5% -4.7%
        Growth
      Employees and branches  2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Date 00-'08 08 – latest y-on-y
      Number of employees 245,228 243,677 245,157 247,471 254,411 263,682 277,311 278,301 269,475 263,715 248,093 236,504 217,878 208,291 202,954 194,283 192,626 187,182   Dec-18 14% -30.8% -0.9%
      Number of branches 39,105 39,101 39,830 40,688 42,071 43,788 45,596 46,167 44,532 43,267 40,202 38,237 33,786 32,073 31,155 28,959 27,623 26,319 26.0 Mar-19 17% -43.0% -3.3%
      Source: Bank of Spain statistics bulletin. End-of-period data.
      Please check the file in PDF format.

      Breakdown of ORS loans, NPLs and NPL ratio by portfolio. (EUR bn, % and % var.)

      Select first year
      Select last year
        Growth
      Lending volume  2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Date 00-'08 08 – latest y-on-y
      Loans to households 282 320 372 441 576 700 789 819 814 813 793 756 715 690 663 652 647 647 647 Mar-19 236% -21.1% 0.1%
      Of which:                                              
      Housing loans 197 225 263 317 427 524 596 627 625 632 627 605 581 558 531 517 503 497 496 Mar-19 270% -20.9% -1.0%
      Other loans to households 85 95 109 124 149 177 193 193 189 180 167 151 134 132 132 136 144 150 151 Mar-19 159% -21.5% 3.8%
      Lending to corporates and SMEs 331 368 412 483 604 782 943 1,017 1,000 1,013 971 830 719 674 644 605 592 548 544 Mar-19 237% -46.5% -3.6%
      Of which:                                              
      Lending to real estate 88 112 144 191 263 378 457 470 453 430 397 300 237 200 179 161 145 117 117 Mar-19 517% -75.1% -11.9%
      Other lending to corporates and SMEs 242 256 268 292 341 403 486 547 546 583 574 530 482 474 465 444 447 431 427 Mar-19 142% -22.0% -1.1%
      Total lending to domestic private sector * 625 702 802 946 1,203 1,509 1,760 1,870 1,837 1,844 1,783 1,605 1,448 1,380 1,327 1,276 1,254 1,254 1,200 Apr-19 234% -35.8% -1.6%
        Growth
      NPLs  2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Date 00-'08 08 – latest y-on-y
      Loans to households 2.4 2.8 2.8 2.8 4.1 5.2 8.8 24.3 29.9 26.0 28.7 37.0 49.4 46.8 37.0 35.7 35.0 35 31.8 Mar-19 1,062% 30.7% -8.4%
      Of which:                                              
      Housing loans 0.8 1.0 0.9 0.9 1.6 2.2 4.2 14.8 17.9 15.2 18.2 24.0 34.6 32.6 25.5 24.1 23.6 23.6 19.8 Mar-19 1,878% 33.3% -12.7%
      Other loans to households 1.5 1.8 1.9 1.9 2.5 3.0 4.6 9.5 12.0 10.8 10.5 13.0 14.8 14.1 11.4 11.6 11.4 11.4 12 Mar-19 607% 26.7% 0.3%
      Lending to corporates and SMEs 4.7 4.5 4.5 4.4 5.2 5.3 7.0 37.3 61.9 79.7 109.9 128.4 146.1 124.6 94.2 79.2 60.7 60.7 36.1 Mar-19 818% -3.1% -23.7%
      Of which:                                              
      Lending to real estate 0.7 0.8 1.0 1.2 1.3 1.3 2.7 26.9 43.6 58.0 81.9 84.8 87.8 70.7 50.4 42.4 28.2 28.2 11.7 Mar-19 2,790% -56.5% -36.9%
      Other lending to corporates and SMEs 4.0 3.8 3.6 3.2 3.9 4.0 4.3 10.4 18.3 21.7 28.0 43.6 58.2 53.9 43.7 36.8 32.4 32.4 24.5 Mar-19 232% 134.9% -15.2%
      Total lending to domestic private sector * 7.6 7.7 7.7 7.5 9.6 10.9 16.3 63.1 93.3 107.2 139.8 167.5 197.2 172.6 134.3 116.3 97.7 97.7 68.4 Apr-19 808% 8.5% -17.2%
        Growth
      NPL ratio  2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Date 00-'08 08 – latest y-on-y
      Loans to households 0.8% 0.9% 0.7% 0.6% 0.7% 0.7% 1.1% 3.0% 3.7% 3.2% 3.6% 4.9% 6.9% 6.8% 5.6% 5.5% 5.4% 5.4% 4.9% Mar-19 246% 65.6% -8.5%
      Of which:                                              
      Housing loans 0.4% 0.4% 0.4% 0.3% 0.4% 0.4% 0.7% 2.4% 2.9% 2.4% 2.9% 4.0% 6.0% 5.9% 4.8% 4.7% 4.7% 4.7% 4.0% Mar-19 434% 68.6% -11.9%
      Other loans to households 1.8% 1.9% 1.7% 1.5% 1.6% 1.7% 2.4% 4.9% 6.3% 6.0% 6.3% 8.6% 11.1% 10.7% 8.7% 8.5% 7.9% 7.9% 8.0% Mar-19 173% 61.5% -3.9%
      Lending to corporates and SMEs 1.4% 1.2% 1.1% 0.9% 0.9% 0.7% 0.7% 3.7% 6.2% 7.9% 11.3% 15.5% 20.3% 18.5% 14.6% 13.1% 10.3% 10.3% 6.6% Mar-19 173% 81.3% -20.8%
      Of which:                                              
      Lending to real estate 0.8% 0.7% 0.7% 0.6% 0.5% 0.3% 0.6% 5.7% 9.6% 13.5% 20.6% 28.2% 37.1% 35.3% 28.2% 26.4% 19.5% 19.5% 10.0% Mar-19 369% 74.7% -28.4%
      Other lending to corporates and SMEs 1.6% 1.5% 1.3% 1.1% 1.1% 1.0% 0.9% 1.9% 3.4% 3.7% 4.9% 8.2% 12.1% 11.4% 9.4% 8.3% 7.3% 7.3% 5.7% Dec-18 37% 201.1% -14.3%
      Total lending to domestic private sector * 1.2% 1.1% 1.0% 0.8% 0.8% 0.7% 0.9% 3.4% 5.1% 5.8% 7.8% 10.4% 13.6% 12.5% 10.1% 9.1% 7.8% 7.8% 5.7% Apr-19 172% 69.0% -15.8%
      (*) Total ORS loans include household loans, total loans for productive activities, non-profit agencies serving households (ISFLSH in Spanish) and unclassified lending. Since January 2014 this has included loans to Financial Credit Institutions.
      Source: Bank of Spain statistics bulletin. End-of-period data.
      Please check the file in PDF format.

      Breakdown of new lending volume. Annual cumulative amount (EUR bn and % var.)

      Select first year
      Select last year
      Select the indicators:
          Growth
        Lending volume  2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Date 03-'08 08 - '17 y-on-y
        Loans to households 0.0 0.0 184.7 213.0 260.9 289.5 266.2 185.9 150.6 123.4 74.3 63.3 51.2 60.5 75.7 80.6 87.6 96.2 31.6 Apr-19 0.7% -48.3% 2.6%
        Of which:                                              
        Housing loans 0.0 0.0 103.2 122.6 154.3 170.3 145.3 87.1 73.2 69.5 37.5 32.3 21.9 26.8 35.7 37.5 38.9 43.1 14.4 Apr-19 -15.6% -50.6% 5.2%
        Other loans to households 0.0 0.0 81.5 90.4 106.6 119.2 120.9 98.8 77.5 53.9 36.8 31.0 29.4 33.7 40.0 43.1 48.8 53.1 17.1 Apr-19 21.3% -46.2% 0.5%
        Lending to corporates and SMEs 0.0 0.0 719.3 744.2 737.6 901.6 990.5 929.2 867.7 665.0 527.5 484.8 392.6 357.2 392.6 323.6 339.0 347.2 107.2 Apr-19 29.2% -62.6% -4.5%
        Of which: