Business segments
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Contents Management report Corporate governance Consolidated financial statements Financial statements Pillar 3
in millions of euros
Domestic retail
banking
Wholesale banking
and international
retail banking
Leasing
Real estate
Other
segments
Consolidation
effects
Total
For the year ended 31 December 2015
Net interest income
5,661
2,270
1,094
348
(234)
9,139
Net fee and commission income
1,371
513
57
29
(16)
(62)
1,892
Other income
18
653
568
302
662
(220)
1,983
Total income
7,050
3,436
1,719
679
412
(282)
13,014
Staff costs
2,134
1,123
601
196
(38)
770
4,786
Other administrative expenses
2,520
1,101
277
124
(20)
(1,086)
2,916
Depreciation
116
107
38
7
47
128
443
Operating expenses
4,770
2,331
916
327
(11)
(188)
8,145
Impairment losses on goodwill
612
10
1
623
Loan impairment charges
343
526
85
90
(11)
1,033
Regulatory levies
171
139
19
15
344
Operating profit before taxation
1,766
(172)
689
246
434
(94)
2,869
Taxation
445
161
191
65
(183)
(24)
655
Net profit
1,321
(333)
498
181
617
(70)
2,214
Business segment assets
325,194
488,744
40,091
21,665
117,462
(326,455)
666,701
Investments in associates
16
487
32
197
2,940
3,672
Total assets
325,210
489,231
40,123
21,862
120,402
(326,455)
670,373
Business segment liabilities
296,086
476,806
35,411
19,591
111,941
(310,742)
629,093
Total liabilities
296,086
476,806
35,411
19,591
111,941
(310,742)
629,093
Investments in property and equipment
90
56
2,124
2
237
2,509
Impairment of tangible and intangible assets
631
10
1
11
653
Goodwill
322
131
448
2
2
905
Private sector loan portfolio
281,941
98,798
29,656
15,287
475
426,157
in millions of euros
Domestic retail
banking
Wholesale banking
and international
retail banking
Leasing
Real estate
Other
segments
Consolidation
effects
Total
For the year ended 31 December 2014
Net interest income
5,783
2,416
1,000
313
(394)
9,118
Net fee and commission income
1,318
552
30
36
(20)
(37)
1,879
Other income
131
825
548
267
362
(241)
1,892
Total income
7,232
3,793
1,578
616
(52)
(278)
12,889
Staff costs
2,302
1,164
535
198
77
810
5,086
Other administrative expenses
2,233
1,166
251
104
(173)
(1,049)
2,532
Depreciation
127
87
48
9
46
120
437
Operating expenses
4,662
2,417
834
311
(50)
(119)
8,055
Impairment losses on goodwill
26
6
32
Loan impairment charges
1,422
420
131
656
4
2,633
Regulatory levies
354
67
9
8
50
488
Operating profit before taxation
794
863
604
(365)
(56)
(159)
1,681
Taxation
261
105
168
(102)
(552)
(41)
(161)
Net profit
533
758
436
(263)
496
(118)
1,842
Business segment assets
354,315
494,452
37,226
22,953
106,617
(338,284)
677,279
Investments in associates
17
684
22
193
2,891
3,807
Total assets
354,332
495,136
37,248
23,146
109,508
(338,284)
681,086
Business segment liabilities
326,699
482,889
32,957
21,862
101,859
(324,051)
642,215
Total liabilities
326,699
482,889
32,957
21,862
101,859
(324,051)
642,215
Investments in property and equipment
140
39
1,509
4
59
1,751
Impairment of tangible and intangible assets
9
32
1
6
24
72
Goodwill
322
676
455
1
1,454
Private sector loan portfolio
289,881
95,192
27,465
16,711
482
429,731
121 Consolidated annual results
