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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 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
in millions of euros
Domestic retail
banking
Wholesale
banking and
international
retail banking
Leasing
Real estate
Other
segments
Consolidation
effects
Total
Value adjustments in loans and advances to
customers
Balance on 1 January 2014
4,561
2,672
455
842
51
8,581
Loan impairment charges from Loans and advances
to customers
1,469
448
185
657
3
2,762
Write-down of defaulted loans during the year
(1,263)
(355)
(268)
(335)
(6)
(2,227)
Interest and other adjustments
69
51
6
106
232
Balance on 31 December 2014
4,836
2,816
378
1,270
48
9,348
Individual value adjustment (specific allowance)
3,297
2,424
186
1,141
44
7,092
Collective value adjustment (collective allowance)
1,014
169
101
1,284
IBNR
525
223
91
129
4
972
Total
4,836
2,816
378
1,270
48
9,348
213
Notes to the consolidated financial statements
