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"id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zNC9mcmFnOjNkMWMyODk4YmE4ZDQ4ZGJiZWI4MGY1YmZjYzUzYWRiL3RhYmxlOmI5ZmEwNWIwODg3MzRlNDdhNTQ4ZDQ3YTQyNjcyN2I2L3RhYmxlcmFuZ2U6YjlmYTA1YjA4ODczNGU0N2E1NDhkNDdhNDI2NzI3YjZfNTktNC0xLTEtNzE0NzMw_2d0c4402-235f-4640-8ab3-8fe5d6222e76": { "value": "11368000000.0", "decimals": -6, "dimensions": { "concept": "bbva:TotalEfectivoYEquivalentesClasificadosEnActivosNoCorrientesYGruposEnajenablesDeElementosMantenidosParaLaVentaDeEstadosUnidos", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2020-01-01T00:00:00/2021-01-01T00:00:00", "unit": "iso4217:EUR" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80MC9mcmFnOmRiYjE1ODY1NzUwMjRhOWY4YjZhMjM5M2JhNTdkOWY0L3RleHRyZWdpb246ZGJiMTU4NjU3NTAyNGE5ZjhiNmEyMzkzYmE1N2Q5ZjRfNDIzMzExOTc2Njk0OTg_4bc5e19d-0e8e-4274-b19e-e4f1948d1db8": { "value": "Introducci\u00f3n, bases de presentaci\u00f3n de las Cuentas Anuales consolidadas, control interno financiero y otra informaci\u00f3nIntroducci\u00f3n
Banco Bilbao Vizcaya Argentaria, S.A. (en adelante, el \u201cBanco\u201d, \u201cBBVA\u201d o \u201cBBVA, S.A.\u201d) es una entidad de derecho privado sujeta a la
normativa y regulaciones de las entidades bancarias operantes en Espa\u00f1a y desarrolla su actividad por medio de sucursales y
agencias distribuidas por todo el territorio nacional, as\u00ed como en el extranjero.
Los estatutos sociales y otra informaci\u00f3n p\u00fablica pueden consultarse tanto en el domicilio social del Banco (Plaza San Nicol\u00e1s, 4,
Bilbao) como en su p\u00e1gina web (www.bbva.com).
Adicionalmente a las operaciones que lleva a cabo directamente, el Banco es matriz de un grupo de entidades dependientes, negocios
conjuntos y entidades asociadas que se dedican a actividades diversas y que constituyen, junto con \u00e9l, el Grupo BBVA (en adelante, el
\u201cGrupo\u201d o \u201cGrupo BBVA\u201d). Consecuentemente, el Banco est\u00e1 obligado a elaborar, adem\u00e1s de sus propias Cuentas Anuales
individuales, las Cuentas Anuales consolidadas del Grupo.
A 31 de diciembre de 2022, el Grupo BBVA estaba integrado por 203 sociedades que consolidaban por el m\u00e9todo de integraci\u00f3n
global y por 43 sociedades valoradas por el m\u00e9todo de la participaci\u00f3n (ver Notas 3 y 16 y los Anexos I a V adjuntos).
Las Cuentas Anuales consolidadas del Grupo BBVA correspondientes al ejercicio anual terminado el 31 de diciembre de 2021 fueron
aprobadas por la Junta General de Accionistas del Banco en su reuni\u00f3n celebrada el 18 de marzo de 2022.
Las Cuentas Anuales consolidadas del Grupo BBVA y las Cuentas Anuales individuales del Banco y las de la casi totalidad de las
restantes entidades integradas en el Grupo, correspondientes al ejercicio anual terminado el 31 de diciembre de 2022, se encuentran
pendientes de aprobaci\u00f3n en su caso, por sus respectivas Juntas Generales de Accionistas. No obstante, el Consejo de
Administraci\u00f3n del Banco entiende que dichas Cuentas Anuales ser\u00e1n aprobadas sin cambios.
Bases de presentaci\u00f3n de las Cuentas Anuales consolidadas
Las Cuentas Anuales consolidadas del Grupo BBVA se presentan de acuerdo con lo establecido por las Normas Internacionales de
Informaci\u00f3n Financiera adoptadas por la Uni\u00f3n Europea (en adelante, \u201cNIIF-UE\u201d) de aplicaci\u00f3n a 31 de diciembre de 2022, teniendo
en consideraci\u00f3n la Circular 4/2017 de Banco de Espa\u00f1a, as\u00ed como sus sucesivas modificaciones, y las dem\u00e1s disposiciones del
marco normativo de informaci\u00f3n financiera que resultan de aplicaci\u00f3n y con los requerimientos de formato y marcado establecidos
en el Reglamento Delegado UE 2019/815 de la Comisi\u00f3n Europea.
Las Cuentas Anuales consolidadas del Grupo BBVA correspondientes al ejercicio anual terminado el 31 de diciembre de 2022, han
sido formuladas por los Administradores del Banco (en la reuni\u00f3n de su Consejo de Administraci\u00f3n celebrada el d\u00eda 9 de febrero de
2023) aplicando los criterios de consolidaci\u00f3n y los principios y pol\u00edticas contables y criterios de valoraci\u00f3n descritos en la Nota 2, de
forma que muestran la imagen fiel del patrimonio consolidado y de la situaci\u00f3n financiera consolidada del Grupo a 31 de diciembre de
2022 y de los resultados consolidados de sus operaciones y de sus flujos de efectivo consolidados generados durante el ejercicio
anual terminado en esa fecha.
Dichas Cuentas Anuales consolidadas han sido elaboradas a partir de los registros de contabilidad mantenidos por el Banco y por
cada una de las restantes entidades integradas en el Grupo, e incluyen los ajustes y reclasificaciones necesarios para homogeneizar
las pol\u00edticas contables y criterios de valoraci\u00f3n aplicados por el Grupo (ver Nota 2.2).
No existe ning\u00fan principio contable o criterio de valoraci\u00f3n de aplicaci\u00f3n obligatoria que, teniendo un efecto significativo en las
Cuentas Anuales consolidadas, haya dejado de aplicarse en su elaboraci\u00f3n.
Los importes reflejados en las Cuentas Anuales consolidadas adjuntas se presentan en millones de euros, salvo en los casos en los
que es m\u00e1s conveniente utilizar una unidad de menor cuant\u00eda. Por tanto, determinadas partidas que figuran sin saldo en las Cuentas
Anuales consolidadas podr\u00edan presentar alg\u00fan saldo de haberse utilizado unidades menores. Para presentar los importes en millones
de euros, los saldos contables han sido objeto de redondeo; por ello, es posible que los importes que aparezcan en ciertas tablas no
sean la suma aritm\u00e9tica exacta de las cifras que los preceden.
Las variaciones porcentuales de las magnitudes a las que se refieren se han determinado utilizando en los c\u00e1lculos saldos expresados
en miles de euros.
Comparaci\u00f3n de la informaci\u00f3n
La informaci\u00f3n contenida en las Cuentas Anuales consolidadas adjuntas referidas a los ejercicios 2021 y 2020, que se encontraba
elaborada con las normas en vigor en dichos ejercicios, se presenta, exclusivamente, a efectos comparativos con la informaci\u00f3n
relativa a 31 de diciembre de 2022.
Estacionalidad de ingresos y gastos
La naturaleza de las operaciones m\u00e1s significativas llevadas a cabo por las entidades del Grupo BBVA corresponde,
fundamentalmente, a las actividades t\u00edpicas de las entidades financieras; raz\u00f3n por la que no se encuentran afectadas
significativamente por factores de estacionalidad dentro de un mismo ejercicio.
Responsabilidad de la informaci\u00f3n y estimaciones realizadas
La informaci\u00f3n contenida en las Cuentas Anuales consolidadas del Grupo BBVA es responsabilidad de los Administradores del Banco.
En la elaboraci\u00f3n de las Cuentas Anuales consolidadas, en ocasiones, es preciso realizar estimaciones para determinar el importe por
el que deben ser registrados algunos activos, pasivos, ingresos, gastos y compromisos. Estas estimaciones se refieren
principalmente a:
\u2013Las correcciones de valor de determinados activos financieros (ver Notas 7, 13, 14 y 16).
\u2013Las hip\u00f3tesis empleadas para cuantificar ciertas provisiones (ver Notas 23 y 24) y en el c\u00e1lculo actuarial de los pasivos y
compromisos por retribuciones post-empleo y otras obligaciones (ver Nota 25).
\u2013La vida \u00fatil y las p\u00e9rdidas por deterioro de los activos tangibles e intangibles (ver Notas 17, 18 y 21).
\u2013La valoraci\u00f3n de los fondos de comercio y la asignaci\u00f3n del precio pagado en combinaciones de negocio (ver Nota 18).
\u2013El valor razonable de determinados activos y pasivos financieros no cotizados (ver Notas 7, 8, 10, 11, 12, 13 y 15).
\u2013La recuperabilidad de los activos por impuestos diferidos (ver Nota 19).
La mayor incertidumbre macroecon\u00f3mica y geopol\u00edtica (ver Nota 7.1) implica una mayor complejidad a la hora de desarrollar
estimaciones confiables y aplicar juicio. Por tanto, las estimaciones se realizaron en funci\u00f3n de la mejor informaci\u00f3n disponible a 31
de diciembre de 2022 sobre los hechos analizados. Sin embargo, es posible que acontecimientos que puedan tener lugar en el futuro
obliguen a modificar dichas estimaciones (al alza o a la baja), lo que se har\u00eda, conforme a la normativa aplicable, de forma prospectiva,
reconociendo los efectos del cambio de estimaci\u00f3n en los estados financieros consolidados.
Durante el ejercicio 2022 no se han producido otros cambios significativos en las estimaciones realizadas a 31 de diciembre de 2021 y
2020, distintos de los indicados en estas Cuentas Anuales consolidadas.
Control interno sobre la informaci\u00f3n financiera del Grupo BBVA
La informaci\u00f3n financiera del Grupo BBVA se elabora bajo un Sistema de Control Interno Financiero (SCIF) que proporciona
seguridad razonable sobre la fiabilidad e integridad de la informaci\u00f3n financiera consolidada y sobre el correcto registro de las
operaciones de acuerdo con la normativa aplicable.
El SCIF cumple con el marco de control establecido en 2013 por el Committee of Sponsoring Organizations of the Treadway
Commission (en adelante, \u201cCOSO\u201d). El marco de COSO 2013 establece cinco componentes en los que se debe sustentar la eficacia y
eficiencia de los sistemas de control interno:
\u2013Establecer un ambiente de control adecuado para el seguimiento de las actividades.
\u2013Evaluar los riesgos en los que podr\u00eda incurrir una entidad en la elaboraci\u00f3n de su informaci\u00f3n financiera.
\u2013Dise\u00f1ar los controles necesarios para mitigar los riesgos identificados.
\u2013Establecer los circuitos de informaci\u00f3n adecuados para la detecci\u00f3n y comunicaci\u00f3n de las debilidades o ineficiencias del
sistema.
\u2013Monitorear las actividades sobre los controles para asegurar su operatividad y la validez de su eficacia en el tiempo.
El SCIF es un modelo din\u00e1mico que evoluciona en el tiempo de forma continua para reflejar en cada momento la realidad del negocio y
de los procesos operativos del Grupo, as\u00ed como los riesgos que les afectan y los controles que los mitigan y es objeto de una
evaluaci\u00f3n permanente por parte de las unidades de Control Interno Financiero ubicadas en las distintas entidades del Grupo.
Las mencionadas unidades de Control Interno Financiero, para garantizar su necesaria independencia, est\u00e1n integradas dentro del
\u00e1rea de Regulaci\u00f3n & Internal Control, cuyo responsable reporta al Consejo de Administraci\u00f3n a trav\u00e9s de sus Comisiones y define y
coordina todo el modelo de control interno del Grupo, que se estructura en torno a dos pilares:
\u2013Un sistema de control organizado en tres l\u00edneas de defensa que se ha actualizado y fortalecido, tal como se describe a
continuaci\u00f3n:
a.La primera l\u00ednea de defensa (1LoD) est\u00e1 localizada en las unidades operativas, de negocio y de soporte, quienes
son responsables de identificar los riesgos vinculados a sus procesos, as\u00ed como de implantar y ejecutar los
controles necesarios para su mitigaci\u00f3n. Para reforzar la adecuada gesti\u00f3n de los riesgos en los procesos de cada
\u00e1rea, se cre\u00f3 la funci\u00f3n del Risk Control Assurer (RCA).
b.La segunda l\u00ednea de defensa (2LoD) est\u00e1 integrada por las unidades especialistas de cada tipo de riesgo (Risk
Control Specialists- RCS- entre otros: Finance, Legal, Technology, Third party, Compliance o Processes) quienes
definen los marcos de mitigaci\u00f3n y control para su \u00e1mbito de responsabilidad, de forma transversal a toda la
organizaci\u00f3n, y realizan el challenge al modelo de control (supervisan la correcta implantaci\u00f3n, el dise\u00f1o de los
controles y eval\u00faan su efectividad).
c.La tercera l\u00ednea de defensa (3LoD) es el \u00e1rea de Auditor\u00eda Interna, quien realiza una evaluaci\u00f3n independiente del
dise\u00f1o y la eficacia del modelo de control, tanto de las funciones de primera como de segunda l\u00ednea de defensa.
\u2013Una estructura de comit\u00e9s en el Grupo, denominada Corporate Assurance, que permite agilizar el escalado de las posibles
debilidades a la Direcci\u00f3n y la gesti\u00f3n de los temas relativos a control interno, tanto a nivel consolidado como en cada una
de las \u00e1reas geogr\u00e1ficas en las que el Grupo desarrolla su actividad.
Las distintas unidades de Control, RCA y RCS Finance (Control Interno Financiero) siguen una metodolog\u00eda com\u00fan y homog\u00e9nea
establecida a nivel corporativo conforme al siguiente esquema:
El SCIF es evaluado de forma recurrente por las \u00e1reas de Control, anualmente por el departamento de Auditor\u00eda Interna del Grupo, y
es supervisado por la Comisi\u00f3n de Auditor\u00eda del Consejo de Administraci\u00f3n del Banco.
El Grupo BBVA cumple adem\u00e1s con los requerimientos impuestos por la Sarbanes-Oxley Act (SOX) para la elaboraci\u00f3n de las
Cuentas Anuales consolidadas de cada ejercicio por su condici\u00f3n de entidad con t\u00edtulos cotizados ante la U.S. Securities and
Exchange Commission (SEC) y cuenta con la implicaci\u00f3n de los principales ejecutivos del Grupo en el dise\u00f1o e implementaci\u00f3n de un
modelo de control interno eficaz que garantiza la calidad y veracidad de la informaci\u00f3n financiera.
La descripci\u00f3n del SCIF se encuentra detallada en el Informe Anual de Gobierno Corporativo que forma parte del Informe de Gesti\u00f3n
consolidado adjunto a las Cuentas Anuales consolidadas correspondientes al ejercicio anual terminado el 31 de diciembre de 2022.
Criterios de consolidaci\u00f3n, principios y pol\u00edticas contables y m\u00e9todos de valoraci\u00f3n
aplicados y cambios recientes en las NIIF
En el Glosario de t\u00e9rminos (en adelante, \u201cGlosario\u201d) se presentan las definiciones de algunos t\u00e9rminos financieros y econ\u00f3micos a los
que se hace alusi\u00f3n en esta Nota 2 y en las sucesivas notas de las presentes Cuentas Anuales consolidadas.
Criterios de consolidaci\u00f3n
A efectos de su consolidaci\u00f3n, y siguiendo los criterios establecidos por las NIIF-UE, en el Grupo BBVA se integran, adem\u00e1s del
Banco, cuatro tipos de sociedades: entidades dependientes, negocios conjuntos, entidades asociadas y entidades estructuradas, que
se definen a continuaci\u00f3n:
\u2013Entidades dependientes
Las entidades dependientes son aquellas sobre las que el Grupo tiene el control (ver definici\u00f3n en el Glosario). Los estados
financieros de las entidades dependientes se consolidan con los del Banco. La participaci\u00f3n de los accionistas minoritarios
de las sociedades dependientes en el patrimonio neto consolidado del Grupo se presenta en el cap\u00edtulo \u201cIntereses
minoritarios \u2013 Participaciones no dominantes\u201d del balance consolidado y su participaci\u00f3n en los resultados del periodo o
ejercicio se presenta en el ep\u00edgrafe \u201cResultado del ejercicio - Atribuible a intereses minoritarios (participaciones no
dominantes)\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota 31).
En la Nota 3 se facilita informaci\u00f3n sobre las principales entidades dependientes del Grupo a 31 de diciembre de 2022 y, en
el Anexo I, se muestra la relaci\u00f3n de las sociedades del Grupo con sus principales m\u00e9tricas.
\u2013Negocios conjuntos
Son aquellas entidades sobre las que se tienen acuerdos de control conjunto con terceros distintos del Grupo (ver
definiciones sobre acuerdos conjuntos, control conjunto y negocios conjuntos en el Glosario).
Las participaciones en negocios conjuntos se valoran por aplicaci\u00f3n del m\u00e9todo de la participaci\u00f3n (ver Nota 16). En el
Anexo II se incluyen las principales magnitudes de los negocios conjuntos del Grupo a 31 de diciembre de 2022.
\u2013Entidades asociadas
Las entidades asociadas son aquellas en las que el Grupo posee influencia significativa (ver definici\u00f3n de influencia
significativa en el Glosario). Se presume que existe influencia significativa cuando se posee, directa o indirectamente, el
20% o m\u00e1s de los derechos de voto de la entidad participada, salvo que pueda demostrarse claramente que tal influencia
no existe.
Existen ciertas inversiones en entidades en las que, aunque el Grupo posee un 20% o m\u00e1s de sus derechos de voto, no se
consideran entidades asociadas porque \u00e9ste carece de capacidad para ejercer una influencia significativa sobre las mismas.
Dichas inversiones, que no constituyen importes significativos para el Grupo, se han tratado como \u201cActivos financieros a
valor razonable con cambios en otro resultado global\u201d o \u201cActivos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados\u201d.
Por otro lado, existen ciertas entidades en las que, aunque el Grupo posee menos del 20% de sus derechos de voto, se
considera que son entidades asociadas debido a que el Grupo tiene capacidad para ejercer una influencia significativa sobre
ellas. A 31 de diciembre de 2022, dichas entidades no son significativas en el Grupo.
Las entidades asociadas se valoran por el m\u00e9todo de la participaci\u00f3n (ver Nota 16) y, en el Anexo II, se muestran las
principales magnitudes de estas entidades.
\u2013Entidades estructuradas
Una entidad estructurada es una entidad que ha sido dise\u00f1ada de modo que los derechos de voto u otros derechos
similares no sean el factor primordial a la hora de decidir qui\u00e9n controla dicha entidad; por ejemplo en el caso en que los
derechos de voto se refieran s\u00f3lo a tareas administrativas y las actividades relevantes se gestionen a trav\u00e9s de acuerdos
contractuales (ver Glosario).
En aquellos casos en los que el Grupo constituye entidades o participa en ellas, con el objeto de permitir el acceso a los
clientes a determinadas inversiones o para la transmisi\u00f3n de riesgos u otros fines, se determina, de acuerdo con criterios y
procedimientos internos y considerando lo establecido en la normativa de referencia, si existe control sobre la entidad
participada y, por tanto, si \u00e9sta debe ser o no objeto de consolidaci\u00f3n.
Dichos m\u00e9todos y procedimientos determinan si hay control considerando c\u00f3mo se toman las decisiones sobre las
actividades relevantes, evaluando si el Grupo tiene el poder sobre las actividades relevantes, si se encuentra expuesto a
variabilidad en los retornos que recibe de la participaci\u00f3n y si tiene la capacidad de afectar a esos retornos a trav\u00e9s de su
poder sobre la inversi\u00f3n.
\u2013 Entidades estructuradas consolidables
Con el objeto de determinar si existe control sobre una entidad estructurada y, por tanto, si se debe consolidar en
el Grupo, se analizan los derechos contractuales existentes distintos de los derechos de voto. Para ello, se
considera el dise\u00f1o y prop\u00f3sito de cada entidad as\u00ed como, entre otros, los siguientes factores:
a.Evidencia de la habilidad pr\u00e1ctica para dirigir las actividades relevantes de la entidad de acuerdo con sus
necesidades espec\u00edficas de negocio (incluyendo las decisiones que pueden surgir s\u00f3lo en circunstancias
particulares).
b.Posible existencia de relaciones especiales con la entidad.
c.Compromisos impl\u00edcitos o expl\u00edcitos del Grupo para respaldar a la entidad.
d.Si el Grupo tiene la capacidad de utilizar su poder sobre la entidad para influir en el importe de los
rendimientos a los que se encuentra expuesto.
En este tipo de entidades se incluyen casos en los que el Grupo tiene una exposici\u00f3n alta a los rendimientos
variables existentes y mantiene el poder de decisi\u00f3n sobre la entidad, bien de forma directa o a trav\u00e9s de un
agente.
Las principales entidades estructuradas del Grupo son los denominados \u201cFondos de titulizaci\u00f3n de activos\u201d, a los
que las entidades del Grupo BBVA transfieren carteras de pr\u00e9stamos y anticipos y otros veh\u00edculos cuyo objeto es
permitir el acceso de los clientes del Grupo a determinadas inversiones o la transmisi\u00f3n de riesgos u otros fines
(ver Anexo I y Anexo V). En todas ellas, el Grupo mantiene la facultad de decisi\u00f3n sobre las actividades relevantes
y se han instrumentalizado con apoyos financieros recogidos contractualmente que son de uso com\u00fan en el
mercado de titulizaciones. Las m\u00e1s comunes son: posiciones inversoras en tramos equity de las notas; existencia
de financiaci\u00f3n subordinada; concesi\u00f3n de mejoras crediticias a trav\u00e9s de instrumentos derivados o l\u00edneas de
liquidez; derechos de gesti\u00f3n de los activos titulizados impagados; existencia de derivados clean-up call; y
existencia de cl\u00e1usulas de recompra de activos por parte de la entidad cedente.
Por todo ello, en la pr\u00e1ctica totalidad de las titulizaciones realizadas por el Banco o sociedades dependientes del
Grupo BBVA se considera que los pr\u00e9stamos no pueden ser dados de baja del balance del banco matriz o
sociedades dependientes y las emisiones de los fondos de titulizaci\u00f3n se registran como pasivos dentro del
balance consolidado del Grupo.
Para m\u00e1s informaci\u00f3n relativa al tratamiento contable de transferencias y bajas de balance de activos financieros,
v\u00e9ase Nota 2.2.2 \u201cTransferencias y bajas de balance de activos y pasivos financieros\u201d.
\u2013Entidades estructuradas no consolidables
El Grupo constituye otros veh\u00edculos con el objeto de permitir el acceso a sus clientes a determinadas inversiones o
para la transmisi\u00f3n de riesgos u otros fines, sobre los cuales el Grupo no mantiene el control ni cumple los
criterios para su consolidaci\u00f3n conforme se definen en la NIIF 10 \u201cEstados financieros consolidados\u201d, por lo que
no se consolidan. El importe de los activos y pasivos de dichos veh\u00edculos no es significativo en relaci\u00f3n a los
estados financieros consolidados del Grupo.
A 31 de diciembre de 2022, no exist\u00eda ning\u00fan apoyo financiero significativo del Banco u otras entidades
dependientes a entidades estructuradas no consolidadas.
El Grupo no consolida ninguno de los fondos de inversi\u00f3n que gestiona ya que no se cumplen las condiciones de
control sobre los mismos. En concreto, el Grupo BBVA no act\u00faa como principal sino como agente, ya que lo hace
en nombre y a beneficio de los inversores o partes (el principal o principales) y, por ello no controla los fondos
cuando ejerce su autoridad para tomar decisiones.
Asimismo, los fondos de inversi\u00f3n gestionados por el Grupo tampoco son considerados entidades estructuradas
(por lo general, fondos minoristas sin personalidad jur\u00eddica sobre los que los inversores adquieren unidades
al\u00edcuotas que les confieren la propiedad del patrimonio gestionado). Estos fondos no dependen de una estructura
de capital que les pudiese llegar a impedir realizar sus actividades sin apoyo financiero adicional, siendo en todo
caso autosuficientes en lo que a sus actividades se refiere. Adicionalmente, el riesgo de la inversi\u00f3n es
directamente asumido por los part\u00edcipes de los fondos, exponiendo \u00fanicamente al Grupo cuando \u00e9l mismo toma
participaci\u00f3n en los fondos, es decir, cuando act\u00faa como \u201cpart\u00edcipe\u201d, sin que exista ning\u00fan otro tipo de riesgo para
el Grupo.
En todos los casos, la consolidaci\u00f3n de los resultados generados por las sociedades que se integran en el Grupo BBVA en un ejercicio
se realiza tomando en consideraci\u00f3n, \u00fanicamente, los resultados correspondientes al periodo comprendido entre la fecha de
adquisici\u00f3n y el cierre de ese ejercicio. Del mismo modo, la consolidaci\u00f3n de los resultados generados por las sociedades enajenadas
en un ejercicio se realiza tomando en consideraci\u00f3n, \u00fanicamente, los resultados relativos al periodo comprendido entre el inicio del
ejercicio y la fecha de enajenaci\u00f3n.
Los estados financieros de las entidades dependientes, asociadas y negocios conjuntos utilizados para la elaboraci\u00f3n de los estados
financieros consolidados del Grupo se refieren a las mismas fechas de presentaci\u00f3n a las que se refieren los estados financieros
consolidados. En el caso de que no se dispongan de los estados financieros a esas mismas fechas se utilizan los m\u00e1s recientes, con
una antig\u00fcedad no superior a tres meses, ajustados, en su caso, para tener en cuenta las transacciones m\u00e1s significativas realizadas
hasta la fecha de los estados financieros consolidados del Grupo. A 31 de diciembre de 2022, se dispon\u00eda de los estados financieros
de todas las entidades del Grupo a dicha fecha, salvo de cinco entidades asociadas no significativas de las que se dispon\u00edan los
estados financieros a 30 de noviembre de 2022.
Estados financieros individuales
Los estados financieros individuales de la sociedad matriz del Grupo se elaboran aplicando la normativa espa\u00f1ola (Circular 4/2017 de
Banco de Espa\u00f1a, as\u00ed como sus sucesivas modificaciones; y dem\u00e1s disposiciones del marco normativo de informaci\u00f3n financiera
aplicable al Banco). El Banco utiliza el m\u00e9todo de coste para contabilizar en sus estados financieros individuales su inversi\u00f3n en
entidades dependientes, asociadas y negocios conjuntos, tal y como contempla la mencionada Circular 4/2017.
Los estados financieros individuales de BBVA, S.A. a 31 de diciembre de 2022 y 2021 se muestran en el Anexo IX.
Principios y pol\u00edticas contables y m\u00e9todos de valoraci\u00f3n aplicados
Los principios y pol\u00edticas contables y los m\u00e9todos de valoraci\u00f3n aplicados en la preparaci\u00f3n de los estados financieros consolidados
pueden diferir de los utilizados, a nivel individual, por algunas de las entidades integradas en el Grupo BBVA; raz\u00f3n por la que, en el
proceso de consolidaci\u00f3n, se introducen los ajustes y reclasificaciones necesarios para homogeneizar entre s\u00ed tales principios y
criterios y adecuarlos a las NIIF-UE.
En la elaboraci\u00f3n de las Cuentas Anuales consolidadas adjuntas se han aplicado los siguientes principios y pol\u00edticas contables y
criterios de valoraci\u00f3n:
2.2.1Instrumentos financieros
El 1 de enero de 2018 entr\u00f3 en vigor la NIIF 9 que sustituy\u00f3 a la NIC 39 en relaci\u00f3n a la clasificaci\u00f3n y valoraci\u00f3n de los activos y
pasivos financieros, el deterioro de activos financieros y la contabilidad de coberturas. Sin embargo, el Grupo ha optado por continuar
aplicando la NIC 39 para la contabilizaci\u00f3n de coberturas, tal y como permite la propia NIIF 9.
Clasificaci\u00f3n y valoraci\u00f3n de activos financieros
Clasificaci\u00f3n de activos financieros
La NIIF 9 contiene tres categor\u00edas principales de clasificaci\u00f3n para activos financieros: valorados a coste amortizado, valorados a
valor razonable con cambios en otro resultado global acumulado y valorados a valor razonable con cambios en resultados.
La clasificaci\u00f3n de los instrumentos financieros en una categor\u00eda de coste amortizado o de valor razonable depende del modelo de
negocio con el que la entidad gestiona los activos y de las caracter\u00edsticas contractuales de los flujos de efectivo, com\u00fanmente
conocido como el \"criterio de s\u00f3lo pago de principal e intereses\" (en adelante, \u201cSPPI\u201d por sus siglas en ingl\u00e9s).
La valoraci\u00f3n del modelo de negocio debe reflejar la forma en que el Grupo gestiona los grupos de activos financieros y no depende de
la intenci\u00f3n para un instrumento individual. As\u00ed, en cada entidad del Grupo BBVA existen diferentes modelos de negocio para
gestionar los activos.
Para determinar el modelo de negocio se tienen en cuenta:
\u2013La forma en que se eval\u00faa y reporta el rendimiento del modelo de negocio (y de los activos que forman parte de dicho
modelo de negocio) al personal clave de la entidad.
\u2013Los riesgos, y la forma en que se gestionan, que afectan al rendimiento del modelo de negocio.
\u2013La forma en que se remunera a los gestores de los modelos de negocio.
\u2013La frecuencia, el importe y el calendario de las ventas en ejercicios anteriores, los motivos de dichas ventas y las
expectativas en relaci\u00f3n a ventas futuras.
En este sentido, el Grupo ha establecido pol\u00edticas y ha desarrollado procedimientos en cada una de las \u00e1reas geogr\u00e1ficas para
determinar cu\u00e1ndo las ventas de activos financieros clasificados en la categor\u00eda de coste amortizado se consideran infrecuentes
(incluso siendo significativas), o son poco significativas (incluso siendo frecuentes), para asegurar el cumplimiento de dicho modelo
de negocio.
Asimismo, se considera que las eventuales ventas que se puedan producir por estar cercano el vencimiento del activo financiero, por
raz\u00f3n de haberse producido un incremento del riesgo de cr\u00e9dito, o si fuera necesario por necesidades de liquidez son compatibles
con el modelo de coste amortizado.
En cuanto al test del SPPI, el an\u00e1lisis de los flujos de efectivo tiene como objetivo determinar si los flujos de efectivo contractuales de
los activos se corresponden \u00fanicamente con pagos de principal y de intereses sobre el importe del principal pendiente al inicio de la
transacci\u00f3n, entendiendo por intereses la contraprestaci\u00f3n por el valor temporal del dinero, por el riesgo de cr\u00e9dito asociado al
importe del principal pendiente de cobro durante un periodo concreto, por los costes de financiaci\u00f3n y estructura, m\u00e1s un margen de
ganancia.
Los juicios m\u00e1s significativos empleados por el Grupo en la evaluaci\u00f3n del cumplimiento de las condiciones del test SPPI son los
siguientes:
\u2013Modified time value: en el caso de que un activo financiero contemple un ajuste peri\u00f3dico de tipo de inter\u00e9s pero la
frecuencia de ese ajuste no coincida con el plazo del tipo de inter\u00e9s de referencia (por ejemplo, el tipo de inter\u00e9s se ajusta
cada seis meses al tipo a un a\u00f1o), el Grupo eval\u00faa, en el momento del reconocimiento inicial, este desajuste para
determinar si los flujos de efectivo contractuales (sin descontar) difieren o no significativamente de los flujos de efectivo
(sin descontar) de un activo financiero benchmark que no presentar\u00eda modificaci\u00f3n del valor temporal del dinero. Los
umbrales de tolerancia definidos son un 10% para las diferencias en cada periodo y un 5% para el an\u00e1lisis acumulado a lo
largo de la vida del activo financiero.
\u2013Cl\u00e1usulas contractuales: Las cl\u00e1usulas contractuales que pueden modificar el calendario o el importe de los flujos de
efectivo contractuales son analizadas para comprobar si los flujos de efectivo contractuales que se generar\u00edan durante la
vida del instrumento debido al ejercicio de esa cl\u00e1usula son solamente pagos de principal e intereses sobre el importe del
principal pendiente. Para ello, se analizan los flujos de efectivo contractuales que puedan generarse antes y despu\u00e9s de la
modificaci\u00f3n.
Los principales criterios que se tienen en cuenta en el an\u00e1lisis son:
a.Cl\u00e1usulas de cancelaci\u00f3n anticipada: con car\u00e1cter general, una cl\u00e1usula que permite al deudor prepagar una
deuda cumple las condiciones del test SPPI siempre que el importe a prepagar represente sustancialmente
los importes pendientes de principal e intereses (y puede incluir, adem\u00e1s, una compensaci\u00f3n adicional
razonable por la terminaci\u00f3n anticipada).
b.Instrumentos con tipo de inter\u00e9s referenciados a eventos contingentes:
\u2013Un instrumento cuyo tipo de inter\u00e9s se ajusta al alza si el deudor impaga alguna cuota como
compensaci\u00f3n del mayor riesgo de cr\u00e9dito del cliente cumple con el test SPPI.
\u2013Un instrumento cuyo tipo de inter\u00e9s se ajusta en funci\u00f3n a las ventas o resultados del deudor, o se
ajusta en funci\u00f3n de un determinado \u00edndice o valor burs\u00e1til, no cumple con el test SPPI.
c.Instrumentos perpetuos: en la medida en que pueden considerarse instrumentos con continuas (m\u00faltiples)
opciones de extensi\u00f3n, cumplen el test SPPI si los flujos contractuales lo cumplen. Cuando el emisor puede
diferir el pago de intereses, si con dicho pago se viera afectada su solvencia, cumplir\u00edan el test SPPI si los
intereses diferidos devengan intereses adicionales mientras que si no lo hacen, no cumplir\u00edan el test.
\u2013Instrumentos financieros sin recurso: en el caso de instrumentos de deuda que se reembolsan principalmente con los flujos
de efectivo de activos o proyectos concretos y no existe responsabilidad personal de titular, se eval\u00faan los activos o flujos
de efectivo subyacentes para determinar si los flujos de efectivo contractuales del instrumento consisten efectivamente en
pagos de principal e intereses sobre el importe del principal pendiente.
a.Si sus condiciones contractuales no dan lugar a flujos de efectivo adicionales a los pagos de principal e
intereses sobre el importe del principal pendiente ni a limitaciones a estos pagos, se cumple con el test de
SPPI.
b.Si de forma efectiva el instrumento de deuda representa una inversi\u00f3n en los activos subyacentes y sus flujos
son inconsistentes con principal e intereses (porque dependen del desempe\u00f1o de un negocio), no se cumple
con el test SPPI.
\u2013Contractually linked instruments: se realiza un an\u00e1lisis look-through en el caso de transacciones que se estructuran
mediante la emisi\u00f3n de m\u00faltiples instrumentos financieros formando tramos que crean concentraciones de riesgo de
cr\u00e9dito (ej. titulizaciones) en las que existe un orden de prelaci\u00f3n que especifica c\u00f3mo se asignan los flujos de efectivo
generados por el conjunto subyacente de instrumentos financieros a los distintos tramos. Los tramos de deuda del
instrumento cumplir\u00e1n con el requerimiento de que sus flujos de caja supongan el pago de principal e intereses sobre el
capital pendiente si:
a.Las condiciones contractuales del tramo que se est\u00e1 clasificando (sin examinar el conjunto subyacente de
instrumentos financieros) dan lugar a flujos de efectivo que son solamente pagos de principal e intereses
sobre el importe del principal pendiente;
b.El conjunto subyacente de instrumentos financieros est\u00e1 compuesto por instrumentos que tengan flujos de
efectivo contractuales que sean solo pagos de principal e intereses sobre el importe del principal pendiente, y
c.La exposici\u00f3n al riesgo de cr\u00e9dito correspondiente al tramo que se est\u00e1 clasificando es igual o mejor que la
exposici\u00f3n al riesgo de cr\u00e9dito del conjunto subyacente de instrumentos financieros (por ejemplo, la
calificaci\u00f3n crediticia del tramo es igual o mejor que la que se aplicar\u00eda a un tramo \u00fanico que financiase el
conjunto subyacente de instrumentos financieros).
En todo caso, las condiciones contractuales que, en el momento del reconocimiento inicial, tengan un efecto m\u00ednimo sobre los flujos
de efectivo o dependan de la ocurrencia de eventos excepcionales y muy improbables no impiden el incumplimiento de las
condiciones del test SPPI.
En base a las caracter\u00edsticas anteriores los activos financieros se clasificar\u00e1n y valorar\u00e1n tal y como se describe a continuaci\u00f3n.
Un instrumento financiero de deuda deber\u00e1 valorarse al coste amortizado si se cumplen las dos condiciones siguientes:
\u2013El activo financiero se mantiene en el marco de un modelo de negocio cuyo objetivo es mantener activos financieros para
obtener flujos de efectivo contractuales; y
\u2013las condiciones contractuales del activo financiero dan lugar a flujos de efectivo que son \u00fanicamente pagos de principal e
intereses.
Un instrumento financiero de deuda deber\u00e1 valorarse al valor razonable con cambios en \u201cOtro resultado global\u201d si se cumplen las dos
condiciones siguientes:
\u2013El activo financiero se mantiene en el marco de un modelo de negocio cuyo objetivo se alcanza obteniendo flujos de efectivo
contractuales y vendiendo activos financieros; y
\u2013las condiciones contractuales del activo financiero dan lugar a flujos de efectivo que son \u00fanicamente pagos de principal e
intereses sobre el importe de principal pendiente.
Un instrumento financiero de deuda se clasificar\u00e1 a valor razonable con cambios en resultados siempre que por el modelo de negocio
de la entidad para su gesti\u00f3n o por las caracter\u00edsticas de sus flujos de efectivo contractuales no sea procedente clasificarlo en alguna
de las otras carteras descritas.
En general, los instrumentos financieros de patrimonio se valoran a valor razonable con cambios en resultados. No obstante, el Grupo
podr\u00eda elegir de manera irrevocable, en el momento del reconocimiento inicial, presentar los cambios posteriores del valor razonable
en \u201cotro resultado global\u201d.
Los activos financieros solo se reclasificar\u00e1n cuando el Grupo BBVA decida cambiar el modelo de negocio. En este caso, se
reclasificar\u00e1n todos los activos financieros de dicho modelo de negocio. El cambio en el objetivo del modelo de negocio debe ser
anterior a la fecha de reclasificaci\u00f3n.
Valoraci\u00f3n de activos financieros
Todos los activos financieros se registran inicialmente por su valor razonable, m\u00e1s los costes de transacci\u00f3n que sean directamente
atribuibles a la adquisici\u00f3n o emisi\u00f3n de los instrumentos a excepci\u00f3n de los instrumentos financieros clasificados a valor razonable
con cambios en resultados.
Todas las variaciones en el valor de los activos financieros con causa en el devengo de intereses y conceptos asimilados se registran
en los cap\u00edtulos \u201cIngresos por intereses y otros ingresos similares\u201d o \u201cGastos por intereses\u201d, de la cuenta de p\u00e9rdidas y ganancias
consolidada del ejercicio en el que se produjo el devengo (ver Nota 37), excepto en el caso de los derivados de negociaci\u00f3n que no
forman parte de las coberturas econ\u00f3micas y contables.
Los cambios en las valoraciones que se produzcan con posterioridad al registro inicial por causas distintas de las mencionadas en el
p\u00e1rrafo anterior, se tratan como se describe a continuaci\u00f3n, en funci\u00f3n de las categor\u00edas en las que se encuentran clasificados los
activos financieros.
\u201cActivos financieros mantenidos para negociar\u201d, \u201cActivos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados\u201d y \u201cActivos financieros designados a valor razonable con
cambios en resultados\u201d
En el cap\u00edtulo \u201cActivos financieros mantenidos para negociar\u201d se registrar\u00e1n activos financieros cuyo modelo de negocio tiene como
objetivo generar beneficios a trav\u00e9s de la realizaci\u00f3n de compras y ventas o generar resultados en el corto plazo. Los activos
financieros registrados en el cap\u00edtulo \u201cActivos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable
con cambios en resultados\u201d est\u00e1n asignados a un modelo de negocio cuyo objetivo se alcanza obteniendo flujos de efectivo
contractuales y / o vendiendo activos financieros pero que los flujos de efectivo contractuales no han cumplido con las condiciones
de la prueba del SPPI. En el cap\u00edtulo \u201cActivos financieros designados a valor razonable con cambios en resultados\u201d se clasificar\u00e1n
activos financieros s\u00f3lo cuando tal designaci\u00f3n elimine o reduzca de forma significativa la inconsistencia en la valoraci\u00f3n o en el
reconocimiento que surgir\u00eda de valorar o reconocer los activos en una base diferente.
Los activos registrados en estos cap\u00edtulos de los balances consolidados se valoran con posterioridad a su adquisici\u00f3n a su valor
razonable y las variaciones en su valor (plusval\u00edas o minusval\u00edas y variaciones por diferencias de cambio) se registran, por su importe
neto en su caso, en los cap\u00edtulos \u201cGanancias (p\u00e9rdidas) por activos y pasivos financieros mantenidos para negociar, netas\u201d,
\u201cGanancias (p\u00e9rdidas) por activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable con cambios
en resultados, netas\u201d y \u201cGanancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con cambios en
resultados, netas\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota 41).
\u201cActivos financieros a valor razonable con cambios en otro resultado global\u201d
\u2013 Instrumentos financieros de deuda
Los activos registrados en este cap\u00edtulo de los balances consolidados se valoran a su valor razonable. Esta categor\u00eda de valoraci\u00f3n
implica el reconocimiento de la informaci\u00f3n en la cuenta de resultados como si se tratara de un instrumento valorado a coste
amortizado, mientras que el instrumento se valora a valor razonable en el balance. As\u00ed, tanto los ingresos por intereses de estos
instrumentos como las diferencias de cambio y el deterioro que surjan en su caso, se registran en la cuenta de p\u00e9rdidas y ganancias,
mientras que las variaciones posteriores de su valoraci\u00f3n (plusval\u00edas o minusval\u00edas) se registran transitoriamente (por su importe
neto del correspondiente efecto fiscal) en el ep\u00edgrafe \u201cOtro resultado global acumulado \u2013 Elementos que pueden reclasificarse en
resultados \u2013 Cambios del valor razonable de los instrumentos de deuda valorados a valor razonable con cambios en otro resultado
global\u201d de los balances consolidados (ver Nota 30).
Los importes registrados en los ep\u00edgrafes \u201cOtro resultado global acumulado - Elementos que pueden reclasificarse en resultados -
Cambios del valor razonable de los instrumentos de deuda valorados a valor razonable con cambios en otro resultado global\u201d
contin\u00faan formando parte del patrimonio neto consolidado del Grupo hasta tanto no se produzca la baja en el balance consolidado
del activo en el que tienen su origen o hasta que se determine la existencia de un deterioro en el valor del instrumento financiero. En el
caso de venderse estos activos, los importes se cancelan, con contrapartida en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas) al dar de baja en
cuentas activos y pasivos financieros no valorados a valor razonable con cambios en resultados, netas\u201d de la cuenta de p\u00e9rdidas y
ganancias consolidada (ver Nota 41).
Por otro lado, las p\u00e9rdidas netas por deterioro de los activos financieros a valor razonable con cambios en otro resultado global
producidas en el ejercicio se registran en el ep\u00edgrafe \u201cDeterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no
valorados a valor razonable con cambios en resultados y p\u00e9rdidas o ganancias netas por modificaci\u00f3n - Activos financieros a valor
razonable con cambios en otro resultado global\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada de dicho periodo (ver Nota 47).
Los ingresos por intereses de estos instrumentos se registran en la cuenta de p\u00e9rdidas y ganancias consolidada de dicho ejercicio
(ver Nota 37). Las diferencias de cambio se registran en el cap\u00edtulo \u201cDiferencias de cambio, netas\u201d de la cuenta de p\u00e9rdidas y
ganancias consolidada (ver Nota 41).
\u2013 Instrumentos financieros de patrimonio
En el momento del reconocimiento inicial de inversiones concretas en instrumentos de patrimonio, se podr\u00e1 tomar la decisi\u00f3n
irrevocable de presentar los cambios posteriores del valor razonable en otro resultado global. Las variaciones posteriores de esta
valoraci\u00f3n se reconocer\u00e1n en \u201cOtro resultado global acumulado \u2013 Elementos que no se reclasificar\u00e1n en resultados \u2013 Cambios del
valor razonable de los instrumentos de patrimonio valorados a valor razonable con cambios en otro resultado global\u201d de los balances
consolidados (ver Nota 30). Los dividendos recibidos de estas inversiones se registran en el cap\u00edtulo \u201cIngresos por dividendos\u201d de la
cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota 38). Estos instrumentos no est\u00e1n sujetos al modelo de deterioro de la NIIF 9.
\u201cActivos financieros a coste amortizado\u201d
Los activos registrados en este cap\u00edtulo de los balances consolidados se valoran con posterioridad a su adquisici\u00f3n a su \u201ccoste
amortizado\u201d, determin\u00e1ndose \u00e9ste de acuerdo con el m\u00e9todo del \u201ctipo de inter\u00e9s efectivo\u201d. En el caso de los instrumentos a tipo de
inter\u00e9s variable, incluidos los bonos indexados a la inflaci\u00f3n, las reestimaciones peri\u00f3dicas de los flujos de caja para reflejar el
movimiento de tipos de inter\u00e9s y la inflaci\u00f3n incurrida modifican el tipo de inter\u00e9s efectivo de forma prospectiva.
Las p\u00e9rdidas netas por deterioro de los activos registrados en estos cap\u00edtulos producidas en cada ejercicio, calculadas bajo el modelo
de la NIIF 9, se registran en el ep\u00edgrafe \u201cDeterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no valorados a
valor razonable con cambios en resultados y p\u00e9rdidas o ganancias netas por modificaci\u00f3n - Activos financieros valorados a coste
amortizado\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada de dicho ejercicio (ver Nota 47).
Clasificaci\u00f3n y valoraci\u00f3n de pasivos financieros
Clasificaci\u00f3n de pasivos financieros
Los pasivos financieros est\u00e1n clasificados en las siguientes categor\u00edas:
\u2013Pasivos financieros a coste amortizado;
\u2013Pasivos financieros mantenidos para negociar (incluyendo derivados): son instrumentos que se registran en esta categor\u00eda
cuando el objetivo del Grupo es generar beneficios a trav\u00e9s de la realizaci\u00f3n de compras y ventas con estos instrumentos o
generar resultados en el corto plazo;
\u2013Pasivos financieros designados a valor razonable con cambios en resultados en el momento del reconocimiento inicial (Fair
value option). El Grupo tiene la opci\u00f3n de designar, en el momento de reconocimiento inicial, de manera irrevocable un
pasivo financiero como valorado a valor razonable con cambios en resultados si la aplicaci\u00f3n de este criterio elimina o
reduce de manera significativa inconsistencias en la valoraci\u00f3n o en el reconocimiento, o si se trata de un grupo de pasivos
financieros, o un grupo de activos y pasivos financieros, que est\u00e1 gestionado, y su rendimiento evaluado, en base al valor
razonable en l\u00ednea con una gesti\u00f3n de riesgo o estrategia de inversi\u00f3n.
Valoraci\u00f3n de pasivos financieros
Los pasivos financieros se registran inicialmente por su valor razonable, menos los costes de transacci\u00f3n que sean directamente
atribuibles a la emisi\u00f3n de los instrumentos a excepci\u00f3n de los instrumentos financieros que est\u00e9n clasificados a valor razonable con
cambios en resultados.
Las variaciones en el valor de los pasivos financieros con causa en el devengo de intereses y conceptos asimilados se registran en los
cap\u00edtulos \u201cIngresos por intereses y otros ingresos similares\u201d o \u201cGastos por intereses\u201d, de la cuenta de p\u00e9rdidas y ganancias
consolidada del ejercicio en el que se produjo el devengo (ver Nota 37), excepto en los derivados de negociaci\u00f3n que no forman parte
de las coberturas econ\u00f3micas y contables.
Los cambios en las valoraciones que se produzcan con posterioridad al registro inicial por causas distintas de las mencionadas en el
p\u00e1rrafo anterior, se tratan como se describe a continuaci\u00f3n, en funci\u00f3n de las categor\u00edas en las que se encuentran clasificados los
pasivos financieros.
\u201cPasivos financieros mantenidos para negociar\u201d y \u201cPasivos financieros designados a valor razonable con cambios en
resultados\u201d
Los pasivos registrados en estos cap\u00edtulos de los balances consolidados se valoran con posterioridad a su reconocimiento a su valor
razonable y las variaciones en su valor (plusval\u00edas o minusval\u00edas) se registran, por su importe neto, en los cap\u00edtulos \u201cGanancias
(p\u00e9rdidas) por activos y pasivos financieros mantenidos para negociar, netas\u201d y \u201cGanancias (p\u00e9rdidas) por activos y pasivos
financieros designados a valor razonable con cambios en resultados, netas\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver
Nota 41). Sin embargo, el cambio en el propio riesgo de cr\u00e9dito de los pasivos designados bajo la opci\u00f3n del valor razonable, se
presenta en \u201cOtro resultado global acumulado \u2013 Elementos que no se reclasificar\u00e1n en resultados - Cambios del valor razonable de
los pasivos financieros a valor razonable con cambios en resultados atribuibles a cambios en el riesgo de cr\u00e9dito\u201d, salvo que este
tratamiento produzca o incremente una asimetr\u00eda en la cuenta de resultados. No obstante, las variaciones con origen en diferencias
de cambio se registran en el cap\u00edtulo de \u201cDiferencias de cambio, netas\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota
41).
\u201cPasivos financieros a coste amortizado\u201d
Los pasivos registrados en este cap\u00edtulo de los balances consolidados se valoran con posterioridad a su adquisici\u00f3n a su \u201ccoste
amortizado\u201d, determin\u00e1ndose \u00e9ste de acuerdo con el m\u00e9todo del \u201ctipo de inter\u00e9s efectivo\u201d.
\u201cPasivos financieros h\u00edbridos\u201d
Cuando un pasivo financiero contiene un derivado impl\u00edcito, el Grupo analiza si las caracter\u00edsticas y riesgos econ\u00f3micos del derivado
impl\u00edcito y del instrumento principal est\u00e1n estrechamente relacionadas.
Si las caracter\u00edsticas y riesgos est\u00e1n estrechamente relacionados, el instrumento en su conjunto se clasificar\u00e1 y valorar\u00e1 de acuerdo a
las reglas generales para los pasivos financieros. Si, por el contrario, las caracter\u00edsticas econ\u00f3micas y riesgos del contrato principal
son distintos al riesgo subyacente del derivado impl\u00edcito, sus t\u00e9rminos hacen cumplir con la definici\u00f3n de derivado y el instrumento no
se contabiliza en su conjunto a valor razonable con cambios en la cuenta de p\u00e9rdidas y ganancias consolidada, el derivado impl\u00edcito se
contabilizar\u00e1 de forma separada del contrato principal a valor razonable con cambios en p\u00e9rdidas y ganancias consolidada y el
instrumento principal se contabilizar\u00e1 y valorar\u00e1 de acuerdo a su naturaleza.
\u201cDerivados \u2013 contabilidad de coberturas\u201d y \u201cCambios del valor razonable de los elementos cubiertos de una
cartera con cobertura del riesgo de tipo de inter\u00e9s\u201d
El Grupo utiliza derivados financieros como herramienta de gesti\u00f3n de los riesgos financieros, principalmente tipo de inter\u00e9s y tipo de
cambio (Ver Nota 7).
Cuando estas operaciones cumplen determinados requisitos se consideran como de \"cobertura\".
Los derivados financieros de cobertura se utilizan para cubrir variaciones en el valor de los activos y pasivos; cubrir alteraciones en
los flujos de efectivo o cubrir la inversi\u00f3n neta en un negocio en el extranjero. Se establecen coberturas de valor razonable para
instrumentos financieros a tipo fijo, y coberturas de flujos de efectivo para instrumentos financieros a tipo variable. El Grupo tambi\u00e9n
realiza operaciones de cobertura sobre riesgo de cambio.
La contabilidad de coberturas mantiene el esquema de registro bajo NIC 39, y se eval\u00faa la eficacia de las mismas tanto de forma
retrospectiva como prospectiva, de manera que se mantenga dentro de un rango entre el 80% y el 125%. La ineficacia de las
coberturas, definida como la diferencia entre la variaci\u00f3n de valor del instrumento de cobertura y del elemento cubierto en cada
periodo, atribuible al riesgo cubierto, se reconoce en la cuenta de resultados. En la cuenta de resultados se reconocen el importe de la
ineficacia de las coberturas por riesgo de tipo de inter\u00e9s en el periodo as\u00ed como la ineficacia de las coberturas establecidas para
gestionar el riesgo de cambio, y que principalmente se genera por el valor temporal de los derivados sobre riesgo de tipo de cambio
que se utilizan para gestionar dicho riesgo (ver Notas 15 y 41).
Las variaciones que se producen con posterioridad a la designaci\u00f3n de la cobertura, en la valoraci\u00f3n de los instrumentos financieros
designados como partidas cubiertas y de los instrumentos financieros designados como instrumentos de cobertura contable, se
registran de la siguiente forma:
\u2013En las coberturas de valor razonable, las diferencias producidas en el valor razonable del derivado y del instrumento
cubierto atribuibles al riesgo cubierto, se reconocen directamente en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas) resultantes de la
contabilidad de coberturas, netas\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada; utilizando como contrapartida los
ep\u00edgrafes del balance consolidado en los que se encuentra registrado el elemento de cobertura (\u201cDerivados \u2013 contabilidad
de coberturas\u201c) o el elemento cubierto, seg\u00fan proceda, excepto en el caso de coberturas de tipo de inter\u00e9s, (que son la casi
totalidad de las coberturas que realiza el Grupo), caso en que las diferencias de valor se reconocen en el cap\u00edtulo \u201cIngresos
por intereses y otros ingresos similares\u201d o \u201cGastos por intereses\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas (ver
Nota 37).
\u2013En las coberturas del valor razonable del riesgo de tipo de inter\u00e9s de una cartera de instrumentos financieros o deuda
propia (\u201cmacrocoberturas\u201d), las ganancias o p\u00e9rdidas que surgen al valorar el instrumento de cobertura se reconocen
directamente en la cuenta de p\u00e9rdidas y ganancias consolidada con contrapartida en los ep\u00edgrafes \u201cDerivados - contabilidad
de coberturas\u201d y las ganancias o p\u00e9rdidas que surgen de la variaci\u00f3n en el valor razonable del elemento cubierto (atribuible
al riesgo cubierto) se registran tambi\u00e9n en la cuenta de p\u00e9rdidas y ganancias consolidada (en ambos casos, dentro del
ep\u00edgrafe \u201cGanancias (p\u00e9rdidas) resultantes de la contabilidad de coberturas, netas\u201d, utilizando como contrapartida los
ep\u00edgrafes de activo y pasivo \u201cCambios del valor razonable de los elementos cubiertos de una cartera con cobertura del
riesgo de tipo de inter\u00e9s\u201d del balance consolidado, seg\u00fan proceda.
\u2013En las coberturas de los flujos de efectivo, las diferencias de valor surgidas en la parte de cobertura eficaz de los elementos
de cobertura se registran transitoriamente en el ep\u00edgrafe \u201cOtro resultado global acumulado - Elementos que pueden
reclasificarse en resultados - Derivados de cobertura. Coberturas de flujos de efectivo (porci\u00f3n efectiva)\u201d de los balances
consolidados, con contrapartida en los ep\u00edgrafes \u201cDerivados - contabilidad de coberturas\u201d del activo o el pasivo de los
balances consolidados, seg\u00fan corresponda. Estas diferencias se reconocen en la cuenta de p\u00e9rdidas y ganancias
consolidada en el momento en que las p\u00e9rdidas o ganancias del elemento cubierto se registren en resultados, en el
momento en que se ejecuten las transacciones previstas o en la fecha de vencimiento del elemento cubierto. La casi
totalidad de las coberturas de flujos de efectivo que realiza el Grupo son de tipos de inter\u00e9s y de inflaci\u00f3n de instrumentos
financieros, por lo que sus diferencias de valor se reconocen en el cap\u00edtulo \u201cIngresos por intereses y otros ingresos
similares\u201d o \u201cGastos por intereses\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas (ver Nota 37).
\u2013Las diferencias de valor del instrumento de cobertura correspondientes a la parte no eficaz de las operaciones de cobertura
de flujos de efectivo se registran directamente en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas) resultantes de la contabilidad de
coberturas, netas\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota 41).
\u2013En las coberturas de inversiones netas en negocios en el extranjero, las diferencias de valoraci\u00f3n surgidas en la parte de
cobertura eficaz de los elementos de cobertura se registran transitoriamente en el ep\u00edgrafe \u201cOtro resultado global
acumulado - Elementos que pueden reclasificarse en resultados - Cobertura de inversiones netas en negocios en el
extranjero (porci\u00f3n efectiva)\u201d de los balances consolidados, con contrapartida en los ep\u00edgrafes \u201cDerivados - contabilidad de
coberturas\u201d del activo o el pasivo del balance consolidado, seg\u00fan corresponda. Dichas diferencias en valoraci\u00f3n se
reconocer\u00e1n en las cuentas de p\u00e9rdidas y ganancias consolidadas en el momento en que la inversi\u00f3n en el extranjero se
enajene o cause baja del balance consolidado (ver Nota 41).
Deterioro del valor de los activos financieros
El modelo de deterioro de \u201cp\u00e9rdidas esperadas\u201d se aplica a los activos financieros valorados a coste amortizado, a los instrumentos
de deuda valorados a valor razonable con cambios en otro resultado global acumulado, a los contratos de garant\u00edas financieras y
otros compromisos. Se excluyen del modelo de deterioro todos los instrumentos financieros valorados a valor razonable con cambio
en resultados.
La norma clasifica los instrumentos financieros en tres categor\u00edas, que dependen de la evoluci\u00f3n de su riesgo de cr\u00e9dito desde el
momento del reconocimiento inicial, y que determinan el c\u00e1lculo de las coberturas por riesgo de cr\u00e9dito de las mismas.
\u2013Stage 1: Sin incremento significativo de riesgo
La correcci\u00f3n de valor por p\u00e9rdidas de esos instrumentos financieros se calcula como las p\u00e9rdidas crediticias esperadas que resultan
de posibles eventos de incumplimiento dentro de los 12 meses posteriores a la fecha de presentaci\u00f3n de los estados financieros
(p\u00e9rdida esperada a 12 meses).
\u2013Stage 2: Incremento significativo de riesgo
Cuando el riesgo de cr\u00e9dito de un activo financiero ha aumentado significativamente desde el reconocimiento inicial, la correcci\u00f3n de
valor por p\u00e9rdidas de ese instrumento financiero se calcula como la p\u00e9rdida crediticia esperada durante toda la vida de la operaci\u00f3n.
Es decir, son las p\u00e9rdidas de cr\u00e9dito esperadas que resultan de todos los posibles eventos de incumplimiento durante la vida
esperada del instrumento financiero.
\u2013Stage 3: Deteriorados
Cuando hay evidencia objetiva de que el activo financiero est\u00e1 deteriorado, \u00e9ste se transfiere a esta categor\u00eda en la cual la correcci\u00f3n
de valor por p\u00e9rdidas de ese instrumento financiero se calcula, al igual que en el stage 2, como la p\u00e9rdida crediticia esperada durante
toda la vida del activo.
En los casos en que se considera remota la recuperaci\u00f3n de cualquier importe registrado, el activo se da de baja del balance
consolidado, sin perjuicio de las actuaciones que puedan llevarse a cabo para intentar conseguir su cobro hasta tanto no se hayan
extinguido definitivamente los derechos a percibirlo, sea por prescripci\u00f3n, condonaci\u00f3n u otras causas.
El Grupo BBVA ha tomado en consideraci\u00f3n las siguientes definiciones:
\u2013Activo financiero deteriorado
Un activo financiero est\u00e1 deteriorado (stage 3) cuando han ocurrido uno o m\u00e1s eventos que dan lugar a un impacto negativo sobre los
flujos de efectivo futuros estimados del mismo.
Hist\u00f3ricamente, la definici\u00f3n de activo deteriorado bajo la NIIF 9 ha estado sustancialmente alineada con la definici\u00f3n de
incumplimiento (default) utilizada por el Grupo a efectos de la gesti\u00f3n interna del riesgo de cr\u00e9dito, que es tambi\u00e9n la definici\u00f3n
utilizada a efectos regulatorios. En 2021 el Grupo actualiz\u00f3 su definici\u00f3n de default para adecuarla a las Directrices de la European
Banking Authority (en adelante, EBA) en cumplimiento del art\u00edculo 178 del Reglamento (EU) No 575/2013 (CRR). Consecuentemente,
el Grupo consider\u00f3 adecuado actualizar la definici\u00f3n de activo financiero deteriorado (stage 3), consider\u00e1ndolo un cambio de
estimaciones contables, de forma que se restableciese su consistencia con la definici\u00f3n de default, garantizando con ello la
integraci\u00f3n de ambas definiciones en la gesti\u00f3n del riesgo de cr\u00e9dito.
La determinaci\u00f3n de un activo como deteriorado y su clasificaci\u00f3n en stage 3, se basa exclusivamente en el riesgo de incumplimiento,
sin considerar los efectos de mitigantes del riesgo de cr\u00e9dito como garant\u00edas y colaterales. Concretamente, se clasifican en stage 3:
a.Activos deteriorados por razones objetivas o morosidad: cuando existan importes impagados de principal o
intereses con antig\u00fcedad superior a 90 d\u00edas.
De acuerdo con la NIIF 9, el incumplimiento de los 90 d\u00edas es una presunci\u00f3n que puede refutarse en aquellos
casos en los que la entidad considere, en base a informaci\u00f3n razonable y soportada, que es apropiado utilizar un
plazo m\u00e1s largo. A 31 de diciembre de 2022, el Grupo no ha utilizado plazos superiores a 90 d\u00edas.
b.Activos deteriorados por razones subjetivas o distintas de la morosidad: cuando se identifican circunstancias que
evidencien, incluso en ausencia de impagos, que no es probable que el deudor cumpla totalmente con sus
obligaciones financieras. A tal efecto, se consideran, entre otros, los siguientes indicadores:
\u2013Dificultades financieras significativas del emisor o el prestatario.
\u2013Otorgamiento por el prestamista o prestamistas al prestatario, por razones econ\u00f3micas o contractuales
relacionadas con las dificultades financieras de este \u00faltimo, de concesiones o ventajas que en otro caso
no hubieran otorgado.
\u2013Incumplimiento de las cl\u00e1usulas contractuales, tales como eventos de impago o de mora.
\u2013Probabilidad cada vez mayor de que el prestatario entre en quiebra o en cualquier otra situaci\u00f3n de
reorganizaci\u00f3n financiera.
\u2013Desaparici\u00f3n de un mercado activo para el activo financiero en cuesti\u00f3n a causa de dificultades
financieras.
\u2013Otras que puedan afectar a los flujos de efectivo comprometidos como la p\u00e9rdida de licencia del deudor
o que haya cometido un fraude.
\u2013Retraso generalizado en los pagos. En todo caso, se considera que se produce esta circunstancia
cuando durante un periodo continuado de 90 d\u00edas previo a la fecha de reporting se haya mantenido
alg\u00fan importe material impagado.\u00a0
\u2013Ventas de exposiciones crediticias de un cliente con una p\u00e9rdida econ\u00f3mica significativa implicar\u00e1n que
el resto de operaciones del mismo se identifiquen como deterioradas.
En relaci\u00f3n al otorgamiento de concesiones por dificultades financieras se considera que existe un indicador de
probable impago y, por lo tanto, el cliente ha de considerarse deteriorado, cuando las medidas de refinanciaci\u00f3n o
reestructuraci\u00f3n puedan resultar en una reducci\u00f3n de la obligaci\u00f3n financiera causada por una condonaci\u00f3n o
aplazamiento material de principal, intereses o comisiones. En concreto, salvo prueba en contrario, se
reclasificar\u00e1n a la categor\u00eda de activos deteriorados las operaciones que cumplan con alguno de los siguientes
criterios:
a.Se sustenten en un plan de pagos inadecuado.
b.Incluyan cl\u00e1usulas contractuales que dilaten el reembolso de la operaci\u00f3n mediante pagos regulares.
Entre otras, los per\u00edodos de carencia superiores a dos a\u00f1os para la amortizaci\u00f3n del principal se
considerar\u00e1n cl\u00e1usulas con estas caracter\u00edsticas.
c.Presenten importes dados de baja del balance al ser considerada remota su recuperaci\u00f3n.
En todo caso, una reestructuraci\u00f3n se considerar\u00e1 deteriorada cuando la reducci\u00f3n en el valor neto actual de la obligaci\u00f3n financiera
sea superior al 1% en coherencia con los criterios de gesti\u00f3n introducidos durante 2021.
La gesti\u00f3n de riesgo de cr\u00e9dito para las contrapartidas mayoristas se realiza a nivel cliente (o grupo). Por ello, la calificaci\u00f3n de
cualquier exposici\u00f3n material de un cliente como deteriorada, ya sea por presentar m\u00e1s de 90 d\u00edas de impago o por alguno de los
criterios subjetivos, implica la clasificaci\u00f3n como deterioradas de todas las exposiciones del cliente.
Respecto a los clientes minoristas, que se gestionan a nivel de operaci\u00f3n, los sistemas de scoring revisan su puntuaci\u00f3n, entre otras
razones, en caso de producirse alg\u00fan incumplimiento en cualquiera de sus operaciones o que incurra en retrasos generalizados en los
pagos, lo que tambi\u00e9n desencadena las acciones recuperatorias necesarias. Entre ellas se encuentran las medidas de refinanciaci\u00f3n
que, en su caso, pueden llevar a que todas las operaciones del cliente sean consideradas deterioradas. Adem\u00e1s, dada la granularidad
de las carteras minoristas, el comportamiento diferencial de estos clientes en relaci\u00f3n a sus productos y garant\u00edas aportadas, as\u00ed
como el tiempo necesario para encontrar la mejor soluci\u00f3n, el Grupo ha establecido un indicador que consiste en que cuando una
operaci\u00f3n de un cliente minorista presenta impagos superiores a los 90 d\u00edas o retrasos generalizados y ello supone m\u00e1s del 20% del
saldo total del cliente, todas sus operaciones se consideran deterioradas.
Cuando entren en la categor\u00eda de stage 3 operaciones de entidades relacionadas con el titular, incluyendo tanto las entidades del
mismo grupo como aquellas otras con las que exista una relaci\u00f3n de dependencia econ\u00f3mica o financiera, las operaciones del titular
se clasificar\u00e1n tambi\u00e9n como stage 3 si tras su an\u00e1lisis se concluye que existen dudas razonables sobre su reembolso total.
La clasificaci\u00f3n en stage 3 se mantendr\u00e1 durante un periodo de prueba de 3 meses a contar desde la desaparici\u00f3n de todos los
indicadores de deterioro durante el cual el cliente debe demostrar un buen comportamiento de pago y una mejora de su calidad
crediticia a fin de corroborar la desaparici\u00f3n de las causas que motivaron la clasificaci\u00f3n de la deuda como deteriorada. En el caso de
las refinanciaciones y reestructuraciones el periodo de prueba se extiende a un a\u00f1o (ver Nota 7.2.7 para mayor detalle).
Estos criterios est\u00e1n alineados en todas las \u00e1reas geogr\u00e1ficas del Grupo manteni\u00e9ndose \u00fanicamente diferencias menores para
facilitar la integraci\u00f3n de la gesti\u00f3n a nivel local.
\u2013 Aumento significativo del riesgo de cr\u00e9dito
El objetivo de los requerimientos de deterioro es reconocer las p\u00e9rdidas crediticias esperadas a lo largo de toda la vida para los
instrumentos financieros en los que haya habido un incremento significativo del riesgo crediticio desde el reconocimiento inicial
considerando toda la informaci\u00f3n razonable y documentada, incluyendo informaci\u00f3n prospectiva.
El modelo desarrollado por el Grupo para la evaluaci\u00f3n del aumento significativo del riesgo de cr\u00e9dito cuenta con un doble enfoque
que se aplica de forma global (para un mayor detalle de la metodolog\u00eda empleada ver Nota 7.2.1):
\u2013Criterio cuantitativo: el Grupo utiliza un an\u00e1lisis cuantitativo basado en la comparaci\u00f3n de la probabilidad esperada de
incumplimiento actual a lo largo de la vida de la operaci\u00f3n con la probabilidad esperada de incumplimiento original ajustada,
de forma que ambos valores resulten comparables en t\u00e9rminos de probabilidad esperada de incumplimiento para la vida
residual.
\u2013Criterio cualitativo: la mayor\u00eda de los indicadores para la detecci\u00f3n del incremento de riesgo significativo est\u00e1n recogidos en
los sistemas del Grupo v\u00eda los sistemas de rating y scoring o los escenarios macroecon\u00f3micos, por lo que el an\u00e1lisis
cuantitativo recoge la mayor\u00eda de las circunstancias. Ahora bien, el Grupo utiliza criterios cualitativos adicionales para
identificar el incremento significativo del riesgo y recoger as\u00ed las circunstancias que pudieran no estar recogidas en los
sistemas rating/scoring o en los escenarios macroecon\u00f3micos utilizados. Estos criterios cualitativos son los siguientes:
a.Impago de m\u00e1s de 30 d\u00edas: de acuerdo con la NIIF 9, el incumplimiento de m\u00e1s de 30 d\u00edas es una presunci\u00f3n que
puede refutarse en aquellos casos en los que la entidad considere, en base a informaci\u00f3n razonable y
documentada, que tal impago no representa un incremento significativo del riesgo. A 31 de diciembre de 2022, el
Grupo no ha utilizado un plazo m\u00e1s largo de 30 d\u00edas.
b.En seguimiento especial (watch list): est\u00e1n sometidos a una vigilancia especial por parte de las unidades de
Riesgos debido a que muestran se\u00f1ales negativas en su calidad crediticia, aunque no existe evidencia objetiva de
deterioro.
c.Refinanciaciones o reestructuraciones que no muestran evidencia de deterioro o que, habi\u00e9ndose identificado
previamente, todav\u00eda se considera que existe un incremento de riesgo.
Aunque la norma introduce una serie de simplificaciones operativas, tambi\u00e9n llamadas soluciones pr\u00e1cticas, para el an\u00e1lisis del
incremento de riesgo significativo, el Grupo no las utiliza como regla general. No obstante, para activos de alta calidad,
principalmente relacionados con determinadas instituciones u organismos de car\u00e1cter p\u00fablico, se utiliza la posibilidad que prev\u00e9 la
norma de considerar directamente que su riesgo de cr\u00e9dito no ha aumentado significativamente porque tienen un bajo riesgo
crediticio en la fecha de presentaci\u00f3n. Esta posibilidad se limita a aquellos instrumentos financieros que se califican como de alta
calidad crediticia y elevada liquidez para el cumplimiento del ratio de cobertura de liquidez (Liquidity Coverage Ratio, en adelante
\"LCR\"). Ello no impide que estos activos tengan asignada la cobertura por riesgo de cr\u00e9dito que corresponda a su calificaci\u00f3n como
stage 1 basada en su calificaci\u00f3n crediticia y en las expectativas macroecon\u00f3micas.
Metodolog\u00eda para el c\u00e1lculo del deterioro de los activos financieros
Metodolog\u00eda para el c\u00e1lculo de las p\u00e9rdidas esperadas
La estimaci\u00f3n de las p\u00e9rdidas esperadas debe reflejar:
\u2013Un importe ponderado y no sesgado, determinado mediante la evaluaci\u00f3n de una serie de resultados posibles,
\u2013el valor del dinero en el tiempo,
\u2013informaci\u00f3n razonable y soportable que est\u00e9 disponible sin un esfuerzo o coste excesivo y que refleje tanto condiciones
actuales como predicciones sobre condiciones futuras.
Las p\u00e9rdidas esperadas se estiman tanto de forma individual como colectivamente.
La estimaci\u00f3n individualizada de las p\u00e9rdidas crediticias resulta de calcular las diferencias entre los cash flows esperados
descontados al tipo de inter\u00e9s efectivo de la operaci\u00f3n y el valor en libros del instrumento (Ver Nota 7.2.1).
Para la estimaci\u00f3n colectiva de las p\u00e9rdidas esperadas los instrumentos se distribuyen en grupos de activos en base a sus
caracter\u00edsticas de riesgo. Las exposiciones dentro de cada grupo se agrupan en funci\u00f3n de caracter\u00edsticas similares del riesgo de
cr\u00e9dito, indicativas de la capacidad de pago del acreditado de acuerdo con sus condiciones contractuales. Estas caracter\u00edsticas de
riesgo tienen que ser relevantes en la estimaci\u00f3n de los flujos futuros de cada grupo. Las caracter\u00edsticas de riesgo de cr\u00e9dito pueden
considerar, entre otros, los siguientes factores (para un mayor detalle de la metodolog\u00eda empleada ver Nota 7.2.1).
\u2013Tipo de operaci\u00f3n.
\u2013Herramientas de rating o scoring.
\u2013Puntuaci\u00f3n o calificaciones de riesgo de cr\u00e9dito.
\u2013Tipo de colateral.
\u2013Tiempo en mora para las operaciones en stage 3.
\u2013Segmento.
\u2013Criterios cualitativos que puedan incidir en el incremento significativo del riesgo.
\u2013Valor del colateral si tiene impacto sobre la probabilidad de que ocurra un evento de deterioro.
Las p\u00e9rdidas estimadas se derivan de los siguientes par\u00e1metros:
\u2013PD: estimaci\u00f3n de la probabilidad de incumplimiento en cada periodo.
\u2013EAD: estimaci\u00f3n de la exposici\u00f3n en caso de incumplimiento en cada periodo futuro, teniendo en cuenta los cambios en la
exposici\u00f3n despu\u00e9s de la fecha de referencia de los estados financieros.
\u2013LGD: estimaci\u00f3n de la p\u00e9rdida en caso de incumplimiento, como diferencia entre los flujos de caja contractuales y los que se
esperan recibir, incluyendo las garant\u00edas. A estos efectos, en la estimaci\u00f3n se considera la probabilidad de ejecuci\u00f3n de la
garant\u00eda, el momento hasta que se alcanza su posesi\u00f3n y posterior realizaci\u00f3n, los flujos de efectivo esperados y los costes
de adquisici\u00f3n y venta.
\u2013CCF: Factor de conversi\u00f3n en efectivo, es la estimaci\u00f3n realizada sobre los saldos fuera de balance para determinar la
exposici\u00f3n sometida a riesgo de cr\u00e9dito en caso de que se produzca un incumplimiento.
En el Grupo BBVA las p\u00e9rdidas crediticias esperadas calculadas se basan en los modelos internos desarrollados para todas las
carteras dentro del alcance de la NIIF 9, salvo los casos que est\u00e1n sujetos a la estimaci\u00f3n individualizada.
El c\u00e1lculo y el reconocimiento de las p\u00e9rdidas esperadas incluye las exposiciones con administraciones p\u00fablicas y entidades de
cr\u00e9dito, para las que, a pesar de contar con un n\u00famero reducido de incumplimientos en las bases de informaci\u00f3n, se han desarrollado
modelos internos que tienen en cuenta como fuentes de informaci\u00f3n los datos proporcionados por agencias de calificaci\u00f3n externa u
otros observados en mercado, como los cambios en los rendimientos de los bonos, cotizaciones de los credit default swaps o
cualquier otra informaci\u00f3n p\u00fablica sobre los mismos.
Utilizaci\u00f3n de informaci\u00f3n presente, pasada y futura
La NIIF 9 requiere incorporar informaci\u00f3n presente, pasada y futura tanto para la detecci\u00f3n del incremento de riesgo significativo
como para la medici\u00f3n de las p\u00e9rdidas esperadas, que se deben realizar sobre una base ponderada por su probabilidad.
A la hora de estimar las p\u00e9rdidas esperadas la norma no requiere identificar todos los posibles escenarios. Sin embargo, se debe
considerar la probabilidad de que ocurra un evento de p\u00e9rdida y la probabilidad de que no ocurra, incluso aunque la posibilidad de que
ocurra una p\u00e9rdida sea muy peque\u00f1a. Para lograr esto, el Grupo BBVA por lo general eval\u00faa la relaci\u00f3n lineal entre sus par\u00e1metros de
p\u00e9rdida estimada (PD, LGD y EAD) con la historia y previsiones futuras de los escenarios macroecon\u00f3micos.
Asimismo, cuando no exista una relaci\u00f3n lineal entre los diferentes escenarios econ\u00f3micos futuros y sus p\u00e9rdidas esperadas
asociadas deber\u00e1 utilizarse m\u00e1s de un escenario econ\u00f3mico futuro para la estimaci\u00f3n.
El Grupo BBVA utiliza una metodolog\u00eda que descansa sobre el uso de tres escenarios. El primero es el escenario m\u00e1s probable
(escenario base) que es consistente con el empleado en los procesos internos de gesti\u00f3n del Grupo, y otros dos adicionales, uno m\u00e1s
positivo y otro m\u00e1s negativo. El resultado combinado de estos tres escenarios se calcula considerando la ponderaci\u00f3n que se otorga a
cada uno de ellos. Las principales variables macroecon\u00f3micas que se valoran en cada uno de los escenarios para cada una de las
\u00e1reas geogr\u00e1ficas en las que el Grupo opera son el Producto Interior Bruto (PIB), el \u00edndice de precios de las propiedades inmobiliarias,
los tipos de inter\u00e9s y la tasa de desempleo. El principal objetivo del Grupo es buscar la mayor capacidad predictiva respecto a las dos
primeras (ver Nota 7.2.1).
Baja de balance por deterioro del valor de activos financieros
Se clasifican como riesgo fallido los instrumentos de deuda para los que, tras ser analizados, se considere razonablemente que su
recuperaci\u00f3n es remota debido al deterioro notorio e irrecuperable de la solvencia del titular de la operaci\u00f3n.
En funci\u00f3n de sus procedimientos y particularidades las entidades del Grupo reconocen operaciones como fallidas en base a los
an\u00e1lisis de evidencias sobre la no recuperabilidad de la deuda, teniendo en consideraci\u00f3n aspectos como: la antig\u00fcedad desde la
clasificaci\u00f3n como operaciones dudosas por raz\u00f3n de la morosidad, los niveles de cobertura alcanzados, tipo de cartera o producto,
la situaci\u00f3n concursal del titular y la existencia de garant\u00edas, su valoraci\u00f3n y capacidad de ejecuci\u00f3n. En aquellos casos que la garant\u00eda
sea significativa, existe la posibilidad de realizar fallidos parciales sobre la parte no garantizada.
La clasificaci\u00f3n de una operaci\u00f3n como fallida, conlleva el reconocimiento de p\u00e9rdidas por el importe en libros de la misma y su baja
de balance (ver Nota 7.2.5).
2.2.2Transferencias y bajas del balance de activos y pasivos financieros
El tratamiento contable de las transferencias de activos financieros est\u00e1 condicionado por la forma en que se transfieren a terceros
los riesgos y beneficios asociados a los activos que se transfieren; de manera que los activos financieros s\u00f3lo se dan de baja del
balance consolidado cuando se han extinguido los flujos de efectivo que generan, cuando se han transferido sustancialmente a
terceros los riesgos y beneficios que llevan impl\u00edcitos o cuando, aun no existiendo transmisi\u00f3n ni retenci\u00f3n sustancial de estos, se
transmita el control del activo financiero. En estos \u00faltimos dos casos, el activo financiero transferido se da de baja del balance
consolidado, reconoci\u00e9ndose simult\u00e1neamente cualquier derecho u obligaci\u00f3n retenido o creado como consecuencia de la
transferencia.
De forma similar, los pasivos financieros s\u00f3lo se dan de baja del balance consolidado cuando se han extinguido las obligaciones que
generan o cuando se adquieren (bien sea con la intenci\u00f3n de cancelarlos, bien con la intenci\u00f3n de recolocarlos de nuevo).
Se considera que el Grupo transfiere sustancialmente los riesgos y beneficios si los riesgos y beneficios transferidos representan la
mayor\u00eda de los riesgos y beneficios totales de los activos transferidos. Si se retienen sustancialmente los riesgos y/o beneficios
asociados al activo financiero transferido:
\u2013El activo financiero transferido no se da de baja del balance consolidado y se contin\u00faa valorando con los mismos criterios
utilizados antes de la transferencia.
\u2013Se registra un pasivo financiero asociado por un importe igual al de la contraprestaci\u00f3n recibida, que se valora
posteriormente a su coste amortizado o valor razonable con cambios en p\u00e9rdidas y ganancias, seg\u00fan proceda.
\u2013Se contin\u00faan registrando tanto los ingresos asociados al activo financiero transferido (pero no dado de baja) como los
gastos asociados al nuevo pasivo financiero.
Tratamiento de las titulizaciones
Los fondos de titulizaci\u00f3n a los que las entidades del Grupo transfieren sus carteras de inversi\u00f3n crediticia se integran en la
consolidaci\u00f3n del Grupo. Para m\u00e1s informaci\u00f3n sobre los criterios de consolidaci\u00f3n, ver Nota 2.1 \u201cCriterios de consolidaci\u00f3n\u201d.
El Grupo considera que se retienen de manera sustancial los riesgos y beneficios de las titulizaciones cuando se mantengan los bonos
subordinados de las emisiones y/o conceda financiaciones subordinadas a dichos fondos de titulizaci\u00f3n que supongan retener de
manera sustancial las p\u00e9rdidas de cr\u00e9dito esperadas de los pr\u00e9stamos transferidos. Como consecuencia de esta consideraci\u00f3n, el
Grupo no registra la baja del balance las carteras de inversi\u00f3n crediticia transferidas.
Las titulizaciones sint\u00e9ticas, son aquellas transacciones en las cuales la transferencia del riesgo se lleva a cabo mediante la utilizaci\u00f3n
de derivados de cr\u00e9dito o garant\u00edas, y en las que las exposiciones titulizadas siguen siendo exposiciones en el balance de la entidad
originadora. El Grupo ha instrumentalizado las titulizaciones sint\u00e9ticas a trav\u00e9s de garant\u00edas financieras recibidas. Las comisiones
pagadas se periodifican durante la vigencia de las garant\u00edas financieras contratadas.
2.2.3Garant\u00edas financieras
Se consideran \u201cGarant\u00edas financieras\u201d aquellos contratos que exigen que el emisor efect\u00fae pagos espec\u00edficos para reembolsar al
acreedor por la p\u00e9rdida en la que incurra cuando un deudor espec\u00edfico incumpla su obligaci\u00f3n de pago de acuerdo con las
condiciones, originales o modificadas, de un instrumento de deuda; con independencia de su forma jur\u00eddica. Las garant\u00edas financieras
pueden adoptar, entre otras, la forma de fianza, aval financiero, contrato de seguro o derivado de cr\u00e9dito.
En su reconocimiento inicial, las garant\u00edas financieras prestadas se contabilizan reconociendo un pasivo a valor razonable, que es
generalmente el valor actual de las comisiones y rendimientos a percibir por dichos contratos a lo largo de su vida, teniendo como
contrapartida en el activo el importe de las comisiones y rendimientos asimilados cobrados en el inicio de las operaciones y las
cuentas a cobrar por el valor actual de los flujos de efectivo futuros pendientes de recibir.
Las garant\u00edas financieras, cualquiera que sea su titular, instrumentaci\u00f3n u otras circunstancias, se analizan peri\u00f3dicamente con
objeto de determinar el riesgo de cr\u00e9dito al que est\u00e1n expuestas y, en su caso, estimar la necesidad de constituir alguna provisi\u00f3n por
ellas, que se determinan por aplicaci\u00f3n de criterios similares a los establecidos para cuantificar las correcciones de valor
experimentadas por los instrumentos de deuda valorados a coste amortizado (ver Nota 2.2.1).
Las provisiones constituidas sobre los contratos de garant\u00eda financiera se registran en el ep\u00edgrafe \u201cProvisiones - Compromisos y
garant\u00edas concedidos\u201d del pasivo de los balances consolidados (ver Nota 24). La dotaci\u00f3n y recuperaci\u00f3n de dichas provisiones se
registra con contrapartida en el cap\u00edtulo \u201cProvisiones o reversi\u00f3n de provisiones\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada
(ver Nota 46).
Los ingresos obtenidos de los instrumentos de garant\u00eda se registran en el cap\u00edtulo \u201cIngresos por comisiones\u201d de la cuenta de p\u00e9rdidas
y ganancias consolidada y se calculan aplicando el tipo establecido en el contrato del que traen causa sobre el importe nominal de la
garant\u00eda (ver Nota 40).
Las titulizaciones sint\u00e9ticas realizadas por el Grupo hasta la fecha, cumplen los requisitos de la normativa contable para su
contabilizaci\u00f3n como garant\u00edas.
2.2.4Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos
para la venta y Pasivos incluidos en grupos enajenables de elementos que se han clasificado como
mantenidos para la venta
El cap\u00edtulo \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta\u201d de los
balances consolidados incluye el valor en libros de las partidas individuales o partidas integradas en un conjunto (\u201cgrupo de
disposici\u00f3n\u201d) o que formen parte de una l\u00ednea de negocio o \u00e1rea geogr\u00e1fica significativa que se pretende enajenar (\u201coperaciones en
interrupci\u00f3n\u201d) cuya venta es altamente probable que tenga lugar en las condiciones en las que tales activos se encuentran
actualmente en el plazo de un a\u00f1o a contar desde la fecha a la que se refieren los estados financieros. Adicionalmente, pueden
clasificarse como mantenidos para la venta aquellos activos que se esperaba enajenar en el plazo de un a\u00f1o, pero en los que existe un
retraso que viene causado por hechos y circunstancias fuera del control del Grupo (ver Nota 21).
Sim\u00e9tricamente, el cap\u00edtulo \u201cPasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la
venta\u201d de los balances consolidados recoge los saldos acreedores con origen en los grupos de disposici\u00f3n y en las operaciones en
interrupci\u00f3n.
El cap\u00edtulo \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta\u201d incluye
los activos recibidos por las entidades dependientes para la satisfacci\u00f3n, total o parcial, de las obligaciones de pago frente a ellas de
sus deudores (activos adjudicados o daciones en pago de deuda y recuperaciones de operaciones de arrendamiento financiero),
salvo que el Grupo haya decidido hacer un uso continuado de esos activos. El Grupo BBVA tiene unidades espec\u00edficas enfocadas a la
gesti\u00f3n inmobiliaria y venta de este tipo de activos.
Los activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta se valoran, tanto
en la fecha de adquisici\u00f3n como posteriormente, al menor importe entre su valor razonable menos los costes de venta y su valor en
libros, pudi\u00e9ndose reconocer un deterioro o reversi\u00f3n de deterioro por la diferencia si aplicara. Cuando el importe de la venta menos
costes estimados de venta es superior al valor en libros, la ganancia no se reconoce hasta el momento de la enajenaci\u00f3n y baja de
balance.
Los activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta no se amortizan
mientras permanezcan en esta categor\u00eda.
En el caso de los activos inmobiliarios adjudicados o recibidos en pago de deudas, se reconocen inicialmente por el menor importe
entre: el valor en libros actualizado del activo financiero aplicado y el valor razonable en el momento de la adjudicaci\u00f3n o recepci\u00f3n del
activo menos los costes de venta estimados. El valor en libros del activo financiero aplicado se actualiza en el momento de la
adjudicaci\u00f3n, tratando el propio inmueble adjudicado como una garant\u00eda real y teniendo en cuenta las coberturas por riesgo de
cr\u00e9dito que le corresponden de acuerdo a su clasificaci\u00f3n en el momento anterior a la entrega. A estos efectos, el colateral se valorar\u00e1
por su valor razonable actualizado (menos los costes de venta) en el momento de la adjudicaci\u00f3n. Este importe en libros se
comparar\u00e1 con el importe en libros previo y la diferencia se reconocer\u00e1 como un incremento de coberturas por riesgo de cr\u00e9dito, en
su caso. Por otro lado, el valor razonable de los activos adjudicados se basa, principalmente, en tasaciones o valoraciones realizadas
por expertos independientes con una antig\u00fcedad m\u00e1xima de un a\u00f1o, o inferior si existen indicios de deterioro mediante tasaci\u00f3n,
evaluando la necesidad de aplicar un descuento sobre la misma, derivado de las condiciones espec\u00edficas del activo o de la situaci\u00f3n
del mercado para estos activos y, en todo caso, se deber\u00e1n deducir los costes de venta estimados por la entidad.
Las ganancias y p\u00e9rdidas generadas en la enajenaci\u00f3n de los activos no corrientes de elementos que se han clasificado como
mantenidos para la venta y pasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la
venta, as\u00ed como las p\u00e9rdidas por deterioro y, cuando proceda, su recuperaci\u00f3n, se reconocen en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas)
procedentes de activos no corrientes y grupos enajenables de elementos clasificados como mantenidos para la venta no admisibles
como actividades interrumpidas\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota 50). Los restantes ingresos y gastos
correspondientes a dichos activos y pasivos se clasifican en las partidas de la cuenta de p\u00e9rdidas y ganancias consolidada de acuerdo
con su naturaleza.
Por otra parte, los ingresos y gastos de las operaciones en interrupci\u00f3n, cualquiera que sea su naturaleza, generados en el ejercicio,
aunque se hubiesen generado antes de su clasificaci\u00f3n como operaci\u00f3n en interrupci\u00f3n, se presentan, netos del efecto impositivo,
como un \u00fanico importe en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas) despu\u00e9s de impuestos procedentes de actividades interrumpidas\u201d de la
cuenta de p\u00e9rdidas y ganancias consolidada (ver Notas 3 y 21). Este cap\u00edtulo incluye tambi\u00e9n los resultados obtenidos en su
enajenaci\u00f3n (netos de su efecto impositivo).
2.2.5Activos tangibles
Inmovilizado material de uso propio
El inmovilizado material de uso propio recoge los activos, tanto en propiedad o como en r\u00e9gimen de arrendamiento (derecho de uso),
que el Grupo BBVA mantiene para su uso actual o futuro y que espera utilizar durante m\u00e1s de un ejercicio. Asimismo, incluye los
activos tangibles recibidos por las entidades consolidadas para la liquidaci\u00f3n, total o parcial, de activos financieros que representan
derechos de cobro frente a terceros y a los que se prev\u00e9 dar un uso continuado.
Para m\u00e1s informaci\u00f3n relativa al tratamiento contable de derechos de uso en r\u00e9gimen de arrendamiento, v\u00e9ase Nota 2.2.18
\u201cArrendamientos\u201d.
El inmovilizado material de uso propio se registra en el balance consolidado a su coste de adquisici\u00f3n, menos su correspondiente
amortizaci\u00f3n acumulada y, si procede, las p\u00e9rdidas por deterioro estimadas que resultan de comparar el valor neto contable de cada
partida con su correspondiente valor recuperable (ver Nota 17).
La amortizaci\u00f3n se calcula, aplicando el m\u00e9todo lineal durante la vida \u00fatil del bien sobre el coste de adquisici\u00f3n de los activos, menos
su valor residual; entendi\u00e9ndose que los terrenos sobre los que se asientan los edificios y otras construcciones tienen una vida \u00fatil
indefinida y que, por tanto, no son objeto de amortizaci\u00f3n.
Las dotaciones en concepto de amortizaci\u00f3n de los activos tangibles se registran en el cap\u00edtulo \u201cAmortizaci\u00f3n\u201d de la cuenta de
p\u00e9rdidas y ganancias consolidada (ver Nota 45) y, b\u00e1sicamente, equivalen a los porcentajes de amortizaci\u00f3n siguientes
(determinados en funci\u00f3n de los a\u00f1os de la vida \u00fatil estimada, como promedio, de los diferentes elementos):
Porcentajes de amortizaci\u00f3n de activos materiales
Tipo de activo
Porcentaje anual
Edificios de uso propio
1% - 4%
Mobiliario
8% - 10%
Instalaciones
6% - 12%
Equipos de oficina e inform\u00e1tica
8% - 25%
Derechos de uso por arrendamiento
El menor entre el plazo de arrendamiento o la vida \u00fatil del activo
por arrendamiento subyacente
Los activos totales y resultados agrupados por segmentos de negocio se recogen en la Nota 6.
La actividad del Grupo BBVA se desarrolla principalmente en Espa\u00f1a, M\u00e9xico, Turqu\u00eda y Am\u00e9rica del Sur, adem\u00e1s de tener una
presencia activa en el resto de Europa, Estados Unidos y Asia:
\u2013Espa\u00f1a. La actividad del Grupo en Espa\u00f1a se realiza, fundamentalmente, a trav\u00e9s de Banco Bilbao Vizcaya Argentaria, S.A.,
Adicionalmente, existen otras sociedades del Grupo en Espa\u00f1a que operan principalmente en el sector financiero,
asegurador y de gesti\u00f3n de activos.
\u2013M\u00e9xico. El Grupo BBVA est\u00e1 presente en M\u00e9xico, tanto en el sector bancario como en el de seguros y de gesti\u00f3n de activos.
\u2013Turqu\u00eda. La actividad del Grupo en Turqu\u00eda se desarrolla principalmente a trav\u00e9s del Grupo Garanti BBVA en el sector
financiero, asegurador y de gesti\u00f3n de activos.
\u2013Am\u00e9rica del Sur. La actividad del Grupo BBVA en Am\u00e9rica del Sur se desarrolla, principalmente, en el negocio bancario,
financiero y asegurador en los siguientes pa\u00edses: Argentina, Colombia, Per\u00fa, Uruguay, Chile y Venezuela. Tambi\u00e9n tiene una
oficina de representaci\u00f3n en Sao Paulo (Brasil) y otra en Santiago (Chile). En la mayor\u00eda de las sociedades participadas
radicadas en estos pa\u00edses, el Grupo posee un porcentaje de participaci\u00f3n superior al 50%. En el Anexo I se indican las
sociedades en las que, aunque el Grupo BBVA pose\u00eda a 31 de diciembre de 2022 un porcentaje de propiedad inferior al 50%,
se consolidan por el m\u00e9todo de integraci\u00f3n global (ver Nota 2.1).
\u2013Resto de Europa. La actividad del Grupo en Europa (excluida Espa\u00f1a) se desarrolla a trav\u00e9s de entidades bancarias y
financieras, principalmente, en Suiza, Pa\u00edses Bajos y Ruman\u00eda y las sucursales del Banco Bilbao Vizcaya Argentaria, S.A. en
Alemania, B\u00e9lgica, Francia, Italia, Portugal y Reino Unido.
\u2013Estados Unidos. La actividad del Grupo en Estados Unidos se desarrolla, principalmente, a trav\u00e9s de la sucursal de Banco
Bilbao Vizcaya Argentaria, S.A. en Nueva York, la agencia de BBVA M\u00e9xico en Houston, las participaciones en empresas
tecnol\u00f3gicas a trav\u00e9s de fondos y veh\u00edculos de inversi\u00f3n, el negocio del broker-dealer BBVA Securities Inc, y de una oficina
de representaci\u00f3n en Silicon Valley (California).
\u2013Asia. En Asia, la actividad del Grupo en esta regi\u00f3n se desarrolla a trav\u00e9s de sucursales del Banco (Taip\u00e9i, Tokio, Hong Kong,
Singapur y Shangh\u00e1i) y de oficinas de representaci\u00f3n (Pek\u00edn, Se\u00fal, Mumbai, Abu Dhabi y Yakarta).
Principales operaciones del ejercicio 2022
Inversiones
Anuncio del acuerdo con la compa\u00f1\u00eda Neon Payments Limited
El 14 de febrero de 2022, BBVA anunci\u00f3 el acuerdo con la compa\u00f1\u00eda \u201cNeon Payments Limited\u201d (en este apartado, la \"Compa\u00f1\u00eda\") para
la suscripci\u00f3n de 492.692 acciones preferentes representativas de aproximadamente el 21,7% de su capital social, mediante
ampliaci\u00f3n de capital y por una contraprestaci\u00f3n total de aproximadamente 300 millones de d\u00f3lares estadounidenses (equivalente a
aproximadamente 263 millones de euros, aplicando el tipo de cambio 1,14 EUR / USD del 11 de febrero de 2022).
La Compa\u00f1\u00eda, sociedad constituida y con domicilio en el Reino Unido, es titular del 100% de las acciones de la sociedad brasile\u00f1a
\u201cNeon Pagamentos S.A.\u201d.
A la fecha de 14 de febrero de 2022, BBVA era ya titular de aproximadamente el 10,2% del capital social de la Compa\u00f1\u00eda de forma
indirecta (a trav\u00e9s de sociedades participadas por BBVA en m\u00e1s de un 99%). A 31 de diciembre de 2022, BBVA es titular, directa e
indirectamente, de aproximadamente el 29,2% del capital social de la Compa\u00f1\u00eda. Pese a ser titular de m\u00e1s del 20% del capital social,
la capacidad de influencia de BBVA sobre las decisiones de pol\u00edticas financieras y operativas de la Compa\u00f1\u00eda es muy limitada por lo
que esta participaci\u00f3n se ha contabilizado en el ep\u00edgrafe de \"Activos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados\" (ver Nota 11).
Oferta p\u00fablica de adquisici\u00f3n de car\u00e1cter voluntario sobre la totalidad del capital social de T\u00fcrkiye Garanti Bankas\u0131 A.\u015e. (Garanti
BBVA)
El 15 de noviembre de 2021, BBVA anunci\u00f3 la oferta p\u00fablica de adquisici\u00f3n voluntaria (en adelante, \u201cOPA\u201d) dirigida a las
2.106.300.000 acciones1 no controladas por BBVA, que representaban el 50,15% del total del capital social de T\u00fcrkiye Garanti
Bankas\u0131 A.\u015e. (en adelante, \u201cGaranti BBVA\u201d). El 18 de noviembre de 2021, BBVA present\u00f3 la solicitud de autorizaci\u00f3n de la OPA ante el
supervisor del mercado de valores de Turqu\u00eda (Capital Markets Board, en adelante, \u201cCMB\u201d).
Con fecha 31 de marzo de 2022, CMB aprob\u00f3 el documento informativo de la oferta y, ese mismo d\u00eda, BBVA anunci\u00f3 el inicio del
periodo de aceptaci\u00f3n de la OPA con fecha 4 de abril de 2022. El 25 de abril de 2022, BBVA inform\u00f3 del incremento del precio
ofrecido en efectivo por acci\u00f3n de Garanti BBVA, del inicialmente anunciado (12,20 liras turcas) a 15,00 liras turcas.
El 18 de mayo de 2022, BBVA anunci\u00f3 la finalizaci\u00f3n del periodo de aceptaci\u00f3n con la adquisici\u00f3n de un 36,12% del capital social de
Garanti BBVA. El importe total pagado por BBVA fue de aproximadamente 22.758 millones de liras turcas (equivalente a,
aproximadamente, 1.390 millones2 de euros, incluyendo los gastos asociados a la operaci\u00f3n y neto del cobro de los dividendos
correspondientes al porcentaje adquirido).
La operaci\u00f3n ha supuesto una ganancia patrimonial de aproximadamente 924 millones de euros (incluidos los impactos tras la
aplicaci\u00f3n de la NIC 29, ver Nota 2.2.19). Se ha registrado en el ep\u00edgrafe \u201cOtras reservas\u201d un importe de 3.609 millones de euros junto
con la reasignaci\u00f3n a \u201cOtro resultado global acumulado\" correspondiente al 36,12% adquirido desde intereses minoritarios al \u201cOtro
resultado global acumulado\u201d de la sociedad dominante por un importe de -2.685 millones de euros. La baja total asociada a la
operaci\u00f3n del ep\u00edgrafe \"Intereses minoritarios\" considerando \"Otros elementos\" y \"Otro resultado global acumulado\" asciende a
-2.541 millones de euros.
Tras la finalizaci\u00f3n de la OPA el 18 de mayo, el porcentaje total del capital social de Garanti BBVA sobre el que BBVA mantiene la
titularidad es del 85,97%.
En relaci\u00f3n con el resto de los efectos de la aplicaci\u00f3n de la NIC 29 \u201cInformaci\u00f3n Financiera en Econom\u00edas Hiperinflacionarias\u201d sobre
las entidades del Grupo en Turqu\u00eda v\u00e9ase la Nota 2.2.19 de los presentes Estados Financieros consolidados.
Principales operaciones en el ejercicio 2021
Desinversiones
Venta de la filial de BBVA en Estados Unidos a PNC Financial Service Group
El 1 de junio de 2021, una vez obtenidas las preceptivas autorizaciones, BBVA complet\u00f3 la venta del 100% del capital social de su filial
BBVA USA Bancshares, Inc. sociedad titular, a su vez, de la totalidad del capital social del banco BBVA USA, a favor de The PNC
Financial Services Group, Inc.
El importe total en efectivo percibido por BBVA en relaci\u00f3n con la venta de la participaci\u00f3n mencionada ascendi\u00f3 aproximadamente a
11.500 millones de d\u00f3lares estadounidenses (precio previsto en el contrato menos los ajustes acordados al cierre), equivalente
aproximadamente a 9.600 millones de euros (calculado a un tipo de cambio 1,20 euros por d\u00f3lar estadounidense).
La contabilizaci\u00f3n tanto de los resultados generados por BBVA USA Bancshares desde el anuncio de la operaci\u00f3n, como del cierre de
la venta, tuvo un impacto positivo agregado en el ratio Common Equity Tier 1 (fully loaded) del Grupo BBVA de aproximadamente 294
puntos b\u00e1sicos y que incluye la generaci\u00f3n de capital aportado por la filial al Grupo hasta el cierre de la operaci\u00f3n (1 de junio de 2021)
y un beneficio neto de impuestos de 582 millones de euros. El c\u00e1lculo del impacto en Common Equity Tier 1 se realiz\u00f3 tomando en
consideraci\u00f3n el importe de la transacci\u00f3n en euros y los estados financieros del Grupo BBVA a junio 2021.
El Grupo BBVA contin\u00faa desarrollando su negocio institucional y mayorista en Estados Unidos a trav\u00e9s de su broker-dealer BBVA
Securities Inc. y su sucursal en Nueva York. Asimismo, BBVA mantiene su actividad inversora en el sector fintech a trav\u00e9s de su
participaci\u00f3n en Propel Venture Partners US Fund I, L.P.
En la Nota 21 se desglosa la informaci\u00f3n financiera de las sociedades vendidas de Estados Unidos a 31 de diciembre de 2021 y 2020 y
los resultados de estas sociedades correspondientes a los cinco primeros meses del ejercicio 2021 y el ejercicio 2020.
Venta de la participaci\u00f3n del Grupo BBVA en Paraguay
Con fecha 22 de enero de 2021 y una vez obtenidas las preceptivas autorizaciones, BBVA complet\u00f3 la venta de su participaci\u00f3n
accionarial, directa e indirecta, del 100% del capital social de la entidad Banco Bilbao Vizcaya Argentaria Paraguay, S.A. (\u201cBBVA
Paraguay\u201d) a favor de Banco GNB Paraguay S.A., filial del Grupo Gilinski, operaci\u00f3n que fue acordada en 2019. El importe total
percibido por BBVA, asciende a aproximadamente 250 millones de d\u00f3lares estadounidenses (aproximadamente 210 millones de
euros). La operaci\u00f3n ha generado una minusval\u00eda neta de impuestos de aproximadamente 9 millones de euros. Asimismo, esta
operaci\u00f3n tiene un impacto positivo en el Common Equity Tier 1 (fully loaded) del Grupo BBVA de aproximadamente 6 puntos b\u00e1sicos,
que se refleja en la base del capital del Grupo BBVA en el ejercicio 2021.
1 Todas las referencias a \"acciones\" o \"acci\u00f3n\" deben entenderse realizadas a lotes de 100 acciones, al ser esta unidad en la que cotizan las acciones de Garanti BBVA en Borsa
Istanbul.
2 Utilizando el tipo de cambio efectivo de 16,14 liras turcas por euro
Principales operaciones en el ejercicio 2020
Desinversiones
Alianza bancaseguros con Allianz, Compa\u00f1\u00eda de Seguros y Reaseguros, S.A.
El 27 de abril de 2020, BBVA alcanz\u00f3 un acuerdo con Allianz, Compa\u00f1\u00eda de Seguros y Reaseguros, S.A. para la creaci\u00f3n de una alianza
de bancaseguros con el objeto de desarrollar el negocio de seguros de no vida en Espa\u00f1a, excluyendo el ramo de salud.
El 14 de diciembre de 2020, una vez obtenidas las preceptivas autorizaciones, BBVA complet\u00f3 la operaci\u00f3n y anunci\u00f3 la transmisi\u00f3n a
Allianz, Compa\u00f1\u00eda de Seguros y Reaseguros, S.A. de la mitad m\u00e1s una acci\u00f3n de la sociedad BBVA Allianz Seguros y Reaseguros,
S.A., por la que percibi\u00f3 274 millones de euros, sin tener en cuenta una parte variable del precio (hasta 100 millones de euros en
funci\u00f3n de determinados objetivos e hitos previstos). Esta operaci\u00f3n supuso un resultado positivo neto de impuestos de 304 millones
de euros y un impacto positivo en el CET1 fully loaded del Grupo BBVA de 7 puntos b\u00e1sicos registrados en los Estados Financieros
consolidados a 31 de diciembre de 2020.
Sistema de retribuci\u00f3n a los accionistas
Recomendaciones del Banco Central Europeo (BCE) para el ejercicio 2020
De conformidad con lo previsto en la recomendaci\u00f3n emitida por el BCE el 27 de marzo de 2020, con n\u00famero BCE/2020/19, sobre
pagos de dividendos durante la pandemia COVID-19, el Consejo de Administraci\u00f3n de BBVA acord\u00f3 modificar, para el ejercicio 2020,
la pol\u00edtica de retribuci\u00f3n al accionista del Grupo, que fue anunciada mediante hecho relevante n\u00famero 247679 el 1 de febrero de 2017,
estableciendo como pol\u00edtica a aplicar en el ejercicio 2020 la de no pagar ninguna cantidad en concepto de dividendo correspondiente
al ejercicio 2020 hasta que desaparezcan las incertidumbres generadas por COVID-19 y, en ning\u00fan caso, antes del cierre de dicho
ejercicio. El 27 de julio de 2020, el BCE decidi\u00f3 prolongar dicha recomendaci\u00f3n hasta el 1 de enero de 2021, mediante la adopci\u00f3n de
la recomendaci\u00f3n n\u00famero BCE/2020/35.
El 15 de diciembre de 2020, el BCE public\u00f3 la recomendaci\u00f3n n\u00famero BCE/2020/62, derogando la recomendaci\u00f3n n\u00famero
BCE/2020/35 y recomendando que las entidades de cr\u00e9dito significativas sean muy prudentes al decidir los importes de los
dividendos o repartirlos o al recomprar acciones para remunerar a los accionistas.
Retribuci\u00f3n al accionista durante el ejercicio 2021
Repartos en efectivo
BBVA comunic\u00f3 el 29 de enero de 2021 mediante Informaci\u00f3n Privilegiada su intenci\u00f3n de regresar en 2021 a su pol\u00edtica de
retribuci\u00f3n al accionista, comunicada mediante hecho relevante n\u00famero 247679 el 1 de febrero de 2017, siempre y cuando la
recomendaci\u00f3n BCE/2020/62 fuese revocada y no existiese ninguna restricci\u00f3n ni limitaci\u00f3n adicional.
La Junta General de Accionistas celebrada el 20 de abril de 2021 aprob\u00f3, en el punto tercero de su orden del d\u00eda, un reparto en
efectivo con cargo a la cuenta de prima de emisi\u00f3n de BBVA por importe de 0,059 euros brutos por cada acci\u00f3n en circulaci\u00f3n del
Banco con derecho a participar en dicho reparto, todo ello de acuerdo con la recomendaci\u00f3n n\u00famero BCE/2020/62 sobre pagos de
dividendos durante la pandemia COVID-19, el cual fue abonado el 29 de abril de 2021. La cantidad total abonada ascendi\u00f3 a 393
millones de euros y figura registrada en el ep\u00edgrafe \u201cPatrimonio neto \u2013 Fondos propios- Prima de emisi\u00f3n\u201d del balance consolidado a
31 de diciembre de 2021 (ver Nota 27).
El 23 de julio de 2021, el Banco Central Europeo hizo p\u00fablica la aprobaci\u00f3n de la recomendaci\u00f3n BCE/2021/31 que derogaba la
recomendaci\u00f3n BCE/2020/62 con efectos a partir del 30 de septiembre de 2021, por la cual el BCE indicaba que valorar\u00eda los planes
de capital, de distribuci\u00f3n de dividendos y recompra de acciones de cada entidad en el contexto de su proceso supervisor ordinario,
eliminando el resto de restricciones en materia de dividendos y de programas de recompra contenidos en la recomendaci\u00f3n
BCE/2020/62.
En l\u00ednea con lo anterior, BBVA comunic\u00f3 mediante Informaci\u00f3n Privilegiada de 30 de septiembre de 2021 que el Consejo de
Administraci\u00f3n de BBVA hab\u00eda acordado la distribuci\u00f3n en efectivo de una cantidad a cuenta del dividendo del ejercicio 2021, por
importe de 0,08 euros brutos (0,0648 euros tras las retenciones correspondientes) en efectivo por cada una de las acciones en
circulaci\u00f3n. La cantidad total abonada a los accionistas el 12 de octubre de 2021, deducidas las acciones mantenidas en autocartera
por las sociedades del Grupo, ascendi\u00f3 a 532 millones de euros y figura registrada en el ep\u00edgrafe \u201cPatrimonio neto \u2013 Fondos propios-
Dividendos a cuenta\u201d del balance consolidado a 31 de diciembre de 2021.
Modificaci\u00f3n pol\u00edtica retribuci\u00f3n al accionista
El Consejo de Administraci\u00f3n de BBVA anunci\u00f3 mediante Informaci\u00f3n Privilegiada de fecha 18 de noviembre de 2021, la modificaci\u00f3n
de la pol\u00edtica de retribuci\u00f3n al accionista del Grupo, que fue comunicada mediante Informaci\u00f3n Relevante el 1 de febrero de 2017
anunciada mediante hecho relevante n\u00famero 247679 estableciendo como pol\u00edtica la de repartir anualmente entre el 40% y el 50%
del beneficio ordinario consolidado de cada ejercicio (excluyendo los importes y las partidas de naturaleza extraordinaria incluidas en
la cuenta de p\u00e9rdidas y ganancias consolidada), frente a la pol\u00edtica previa que establec\u00eda un reparto entre el 35% y el 40%.
Esta pol\u00edtica se implementa mediante la distribuci\u00f3n de una cantidad a cuenta del dividendo del ejercicio (que se abonar\u00e1
previsiblemente en el mes de octubre de cada ejercicio) y un dividendo complementario (que se abonar\u00e1 una vez finalizado el
ejercicio y aprobada la aplicaci\u00f3n del resultado, previsiblemente en el mes de abril de cada ejercicio), pudiendo combinarse los
repartos en efectivo con las recompras de acciones (la ejecuci\u00f3n del programa marco de recompra de acciones descrito a
continuaci\u00f3n tiene la consideraci\u00f3n de remuneraci\u00f3n extraordinaria al accionista y por lo tanto no se encuentra incluida en el \u00e1mbito
de la pol\u00edtica), todo ello sujeto a las autorizaciones y aprobaciones correspondientes que sean de aplicaci\u00f3n en cada momento.
Retribuci\u00f3n al accionista durante el ejercicio 2022
Repartos en efectivo
A lo largo del ejercicio 2022, la Junta General de Accionistas y el Consejo de Administraci\u00f3n de BBVA aprobaron el pago de las
siguientes cantidades en efectivo:
\u2013La Junta General de Accionistas celebrada el 18 de marzo de 2022 aprob\u00f3, en el punto segundo de su orden del d\u00eda, un
reparto en efectivo con cargo a la cuenta de reservas voluntarias de BBVA como retribuci\u00f3n adicional al accionista del
ejercicio 2021, por importe de 0,23 euros brutos (0,1863 euros tras las retenciones correspondientes) por cada acci\u00f3n en
circulaci\u00f3n del Banco con derecho a participar en dicho reparto, el cual fue abonado el 8 de abril de 2022. La cantidad total
abonada, deducidas las acciones mantenidas en autocartera por las sociedades del Grupo, ascendi\u00f3 a 1.463 millones de
euros.
\u2013BBVA comunic\u00f3 mediante Informaci\u00f3n Privilegiada de 29 de septiembre de 2022 que el Consejo de Administraci\u00f3n de
BBVA hab\u00eda acordado el pago de una cantidad a cuenta del dividendo del ejercicio 2022, por importe de 0,12 euros brutos
(0,0972 euros tras las retenciones correspondientes) en efectivo por cada una de las acciones en circulaci\u00f3n. La cantidad
total abonada a los accionistas el 11 de octubre de 2022, deducidas las acciones mantenidas en autocartera por las
sociedades del Grupo, ascendi\u00f3 a 722 millones de euros y figura registrada en el ep\u00edgrafe \u201cPatrimonio Neto - Fondos
Propios \u2013 Dividendos a cuenta\u201d del balance consolidado a 31 de diciembre de 2022.
El estado contable previsional, formulado de acuerdo con los requisitos legales exigidos, que pon\u00edan de manifiesto la existencia de
liquidez suficiente para la distribuci\u00f3n del importe acordado referido anteriormente por el Consejo de Administraci\u00f3n de BBVA el 28
de septiembre de 2022 fue el siguiente:
Cantidad disponible para reparto de dividendos a cuenta seg\u00fan estado previsional (Millones de euros)
31 agosto 2022
Beneficio de BBVA, S.A., despu\u00e9s de la provisi\u00f3n para el impuesto sobre beneficios
2.828
Cantidad m\u00e1xima posible distribuci\u00f3n
2.828
Cantidad de dividendo a cuenta propuesto
724
Saldo l\u00edquido en BBVA, S.A. disponible a la fecha
46.768
Otra retribuci\u00f3n al accionista
El 1 de febrero de 2023 se anunci\u00f3 que estaba previsto proponer a los \u00f3rganos sociales correspondientes un reparto en efectivo por
importe de 0,31 euros brutos por acci\u00f3n en abril como dividendo complementario del ejercicio 2022 y la ejecuci\u00f3n de un programa de
recompra de acciones de BBVA por importe de 422 millones de euros, sujeto a la obtenci\u00f3n de las autorizaciones regulatorias
correspondientes y a la comunicaci\u00f3n de los t\u00e9rminos y condiciones concretos del programa antes del inicio de su ejecuci\u00f3n.
Programa de recompra de acciones
El 26 de octubre de 2021, BBVA recibi\u00f3 la preceptiva autorizaci\u00f3n por parte del Banco Central Europeo (en adelante, \"BCE\") para la
recompra de hasta el 10% de su capital social por un importe m\u00e1ximo de 3.500 millones de euros, en una o varias veces y durante un
plazo m\u00e1ximo de 12 meses (la \"Autorizaci\u00f3n\").
Una vez recibida la Autorizaci\u00f3n, y en uso de la delegaci\u00f3n conferida por la Junta General Ordinaria de Accionistas de BBVA celebrada
el 16 de marzo de 2018, el Consejo de Administraci\u00f3n de BBVA, en su reuni\u00f3n celebrada el 28 de octubre de 2021, acord\u00f3 llevar a
cabo un programa marco de recompra de acciones propias conforme a lo previsto en el Reglamento (UE) n\u00ba 596/2014 del
Parlamento Europeo y del Consejo de 16 de abril de 2014 sobre el abuso de mercado y en el Reglamento Delegado (UE) n\u00ba 2016/1052
de la Comisi\u00f3n, de 8 de marzo de 2016, ejecut\u00e1ndose en varios tramos, por un importe m\u00e1ximo de hasta 3.500 millones de euros, con
el prop\u00f3sito de reducir el capital social de BBVA (el \"Programa Marco\"), sin perjuicio de la posibilidad de suspender o finalizar
anticipadamente el Programa Marco si concurrieran circunstancias que as\u00ed lo aconsejaran, as\u00ed como llevar a cabo un primer
programa de recompra dentro del \u00e1mbito del Programa Marco (el \"Primer Tramo\") con el prop\u00f3sito de reducir el capital social de
BBVA, lo cual fue comunicado mediante Informaci\u00f3n Privilegiada el 29 de octubre de 2021.
El 19 de noviembre de 2021, BBVA comunic\u00f3 mediante Informaci\u00f3n Privilegiada que el Primer Tramo se ejecutar\u00eda a partir del 22 de
noviembre de 2021 de manera externa a trav\u00e9s de J.P. Morgan AG como gestor principal y tendr\u00eda un importe m\u00e1ximo de 1.500
millones de euros, con un n\u00famero m\u00e1ximo de acciones a adquirir de 637.770.016 acciones propias, representativas,
aproximadamente, del 9,6% del capital social de BBVA. Mediante Otra Informaci\u00f3n Relevante de fecha 3 de marzo de 2022, BBVA
comunic\u00f3 la finalizaci\u00f3n de la ejecuci\u00f3n del Primer Tramo al haberse alcanzado el importe monetario m\u00e1ximo de 1.500 millones de
euros, habi\u00e9ndose adquirido 281.218.710 acciones propias representativas, aproximadamente, del 4,22% del capital social de BBVA a
esa fecha. El 15 de junio de 2022, BBVA comunic\u00f3 la ejecuci\u00f3n parcial del acuerdo de reducci\u00f3n de capital adoptado por la Junta
General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo de 2022, mediante la reducci\u00f3n del capital social de BBVA en un
importe nominal de 137.797.167,90 euros, y la consiguiente amortizaci\u00f3n con cargo a las reservas de libre disposici\u00f3n de las
281.218.710 acciones propias de 0,49 euros de valor nominal cada una, adquiridas derivativamente por el Banco en ejecuci\u00f3n del
Primer Tramo y que estaban mantenidas en autocartera (ver Notas 26, 27 y 29).
El 3 de febrero de 2022, BBVA comunic\u00f3 mediante Informaci\u00f3n Privilegiada que su Consejo de Administraci\u00f3n hab\u00eda acordado,
dentro del \u00e1mbito del Programa Marco, llevar a cabo un segundo programa de recompra de acciones propias (el \u201cSegundo Tramo\u201d)
con el prop\u00f3sito de reducir el capital social de BBVA, por un importe m\u00e1ximo de 2.000 millones de euros y un n\u00famero m\u00e1ximo de
acciones a adquirir igual al resultado de restar a 637.770.016 acciones propias (9,6% del capital social de BBVA a esa fecha) el
n\u00famero de acciones propias finalmente adquiridas en ejecuci\u00f3n del Primer Tramo.
Como continuaci\u00f3n de la anterior comunicaci\u00f3n, el 16 de marzo de 2022 BBVA inform\u00f3 mediante Informaci\u00f3n Privilegiada de que
hab\u00eda acordado ejecutar el Segundo Tramo: (i) mediante la ejecuci\u00f3n de un primer segmento por importe de hasta 1.000 millones de
euros y con un n\u00famero m\u00e1ximo de acciones a adquirir de 356.551.306 acciones (el \"Primer Segmento\"), de manera externa a trav\u00e9s
de Goldman Sachs International como gestor principal, quien ejecutar\u00eda las operaciones de compra a trav\u00e9s del broker Kepler
Cheuvreux, S.A.; y (ii) una vez finalizada la ejecuci\u00f3n del Primer Segmento, mediante la ejecuci\u00f3n de un segundo segmento que
completase el Programa Marco (el \"Segundo Segmento\").
Mediante Otra Informaci\u00f3n Relevante de fecha 16 de mayo de 2022, BBVA comunic\u00f3 la finalizaci\u00f3n de la ejecuci\u00f3n del Primer
Segmento al haberse alcanzado el importe monetario m\u00e1ximo de 1.000 millones de euros, habi\u00e9ndose adquirido 206.554.498
acciones representativas, aproximadamente, del 3,1% del capital social de BBVA en dicha fecha.
Asimismo, el 28 de junio de 2022, BBVA comunic\u00f3 mediante Informaci\u00f3n Privilegiada que hab\u00eda acordado completar el Programa
Marco mediante la ejecuci\u00f3n del Segundo Segmento, por un importe m\u00e1ximo de 1.000 millones de euros y un n\u00famero m\u00e1ximo de
acciones propias a adquirir de 149.996.808. La ejecuci\u00f3n del Segundo Segmento se lleva a cabo a trav\u00e9s de Citigroup Global Markets
Europe AG como gestor principal, tal y como inform\u00f3 BBVA mediante Informaci\u00f3n Privilegiada de fecha 29 de junio de 2022.
Mediante Otra Informaci\u00f3n Relevante de fecha 19 de agosto de 2022, BBVA comunic\u00f3 la finalizaci\u00f3n de la ejecuci\u00f3n del Segundo
Segmento al haberse alcanzado el n\u00famero m\u00e1ximo de 149.996.808 acciones propias, representativas, aproximadamente, del 2,3%
del capital social de BBVA en dicha fecha (por un importe aproximado de 660 millones de euros). El 30 de septiembre de 2022, BBVA
comunic\u00f3, mediante Otra Informaci\u00f3n Relevante, la ejecuci\u00f3n parcial adicional del acuerdo de reducci\u00f3n de capital adoptado por la
Junta General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo de 2022, mediante la reducci\u00f3n del capital social de BBVA
en un importe nominal de 174.710.139,94 euros, y la consiguiente amortizaci\u00f3n con cargo a las reservas de libre disposici\u00f3n de las
356.551.306 acciones propias de 0,49 euros de valor nominal cada una, adquiridas derivativamente por el Banco en ejecuci\u00f3n del
Primer Segmento y del Segundo Segmento del Programa Marco de recompra de acciones y que estaban mantenidas en autocartera
(ver Notas 26, 27 y 29).
Propuesta de distribuci\u00f3n del resultado del ejercicio 2022
A continuaci\u00f3n, se muestra la distribuci\u00f3n de los resultados del Banco del ejercicio 2022, que el Consejo de Administraci\u00f3n someter\u00e1
a la aprobaci\u00f3n de la Junta General de Accionistas:
Distribuci\u00f3n de resultados (Millones de euros)
2022
Resultado del ejercicio
4.816
Distribuci\u00f3n
Dividendos a cuenta
724
Dividendo complementario
1.869
Reservas / Ganancias acumuladas
2.223
Beneficio por acci\u00f3n
El beneficio por acci\u00f3n, b\u00e1sico y diluido, se calcula de acuerdo con los criterios establecidos en la NIC 33 \u201cGanancias por acci\u00f3n\u201d. Para
m\u00e1s informaci\u00f3n ver Glosario.
El c\u00e1lculo del beneficio por acci\u00f3n se detalla a continuaci\u00f3n:
C\u00e1lculo del beneficio atribuido b\u00e1sico y diluido por acci\u00f3n
2022
2021
2020
Numerador del beneficio por acci\u00f3n (millones de euros)
Atribuible a los propietarios de la dominante
6.420
4.653
1.305
Ajuste: Remuneraci\u00f3n de los instrumentos de Capital de Nivel 1 Adicional (1)
(313)
(359)
(387)
Atribuible a los propietarios de la dominante (millones de euros) (A)
6.107
4.293
917
Ganancias o p\u00e9rdidas despu\u00e9s de impuestos procedentes de actividades
continuadas, netas de remuneraci\u00f3n de los instrumentos de capital de nivel 1
adicional
6.107
4.014
2.646
Ganancias o p\u00e9rdidas despu\u00e9s de impuestos procedentes de actividades
interrumpidas, neto de minoritarios (B) (Ver Nota 21)
\u2014
280
(1.729)
Denominador del beneficio por acci\u00f3n (millones de acciones)
N\u00famero medio ponderado de acciones en circulaci\u00f3n
6.424
6.668
6.668
Autocartera Media
(9)
(12)
(13)
Programa de Recompra (2)
(225)
(255)
\u2014
N\u00famero ajustado de acciones - beneficio b\u00e1sico por acci\u00f3n (C)
6.189
6.401
6.655
N\u00famero ajustado de acciones - beneficio diluido por acci\u00f3n (D)
6.189
6.401
6.655
Beneficio (p\u00e9rdida) atribuido por acci\u00f3n
0,99
0,67
0,14
Beneficio (p\u00e9rdida) b\u00e1sico por acci\u00f3n en actividades continuadas (euros por acci\u00f3n)
A-B/C
0,99
0,63
0,40
Beneficio (p\u00e9rdida) diluido por acci\u00f3n en actividades continuadas (euros por acci\u00f3n)
A-B/D
0,99
0,63
0,40
Beneficio (p\u00e9rdida) b\u00e1sico por acci\u00f3n en actividades interrumpidas (euros por
acci\u00f3n) B/C
\u2014
0,04
(0,26)
Beneficio (p\u00e9rdida) diluido por acci\u00f3n en actividades interrumpidas (euros por
acci\u00f3n) B/D
\u2014
0,04
(0,26)
(1) Retribuci\u00f3n en el ejercicio de las emisiones de valores perpetuos eventualmente convertibles registrada contra patrimonio (ver Nota 22.4).
(2) El 19 de agosto se comunic\u00f3 la finalizaci\u00f3n de la ejecuci\u00f3n del programa. Para el c\u00e1lculo del beneficio atribuido por acci\u00f3n, en el ejercicio 2022 se incluye el promedio de
acciones, teniendo en cuenta las dos amortizaciones realizadas en el ejercicio 2022. En el ejercicio 2021, se incluyen 112 millones de acciones adquiridas, dentro del programa de
recompra de acciones, y la estimaci\u00f3n del n\u00famero de acciones pendientes de recompra a 31 de diciembre de 2021 del primer tramo (ver Nota 4).
A 31 de diciembre de 2022, 2021 y 2020, no exist\u00edan otros instrumentos financieros ni compromisos con empleados basados en
acciones, que tengan efecto significativo sobre el c\u00e1lculo del beneficio diluido por acci\u00f3n de los ejercicios presentados. Por esta raz\u00f3n
el beneficio b\u00e1sico y el diluido coinciden para los ejercicios finalizados en dichas fechas.
Informaci\u00f3n por segmentos de negocio
La informaci\u00f3n por segmentos de negocio constituye una herramienta b\u00e1sica para el seguimiento y la gesti\u00f3n de las diferentes
actividades del Grupo BBVA. En la elaboraci\u00f3n de la informaci\u00f3n por segmentos de negocio se parte de las unidades de m\u00ednimo nivel,
que se agregan de acuerdo con la estructura establecida por la Direcci\u00f3n del Grupo para configurar unidades de \u00e1mbito superior y,
finalmente, los propios segmentos de negocio.
A cierre del ejercicio de 2022, la estructura de la informaci\u00f3n por segmentos de negocio reportadas por el Grupo BBVA coincide con
respecto a la presentada a cierre del ejercicio 2021.
A continuaci\u00f3n, se detallan las \u00e1reas o segmentos de negocio del Grupo BBVA:
\u2013Espa\u00f1a incorpora fundamentalmente la actividad bancaria, de seguros y de gesti\u00f3n de activos que el Grupo realiza en este pa\u00eds,
incluyendo la parte proporcional de los resultados de la nueva sociedad surgida a finales de 2020 del acuerdo de bancaseguros
alcanzado con Allianz (ver Nota 3).
\u2013M\u00e9xico incluye los negocios bancarios, de seguros y de gesti\u00f3n de activos en este pa\u00eds, as\u00ed como la actividad que BBVA M\u00e9xico
desarrolla a trav\u00e9s de su agencia en Houston.
\u2013Turqu\u00eda reporta la actividad del Grupo Garanti BBVA que se desarrolla b\u00e1sicamente en este pa\u00eds y, en menor medida, en
Ruman\u00eda y Pa\u00edses Bajos.
\u2013Am\u00e9rica del Sur incluye la actividad bancaria, financiera, de seguros y de gesti\u00f3n de activos que se desarrolla, principalmente,
en Argentina, Chile, Colombia, Per\u00fa, Uruguay y Venezuela.
\u2013Resto de Negocios incorpora principalmente la actividad mayorista desarrollada en Europa (excluida Espa\u00f1a), Estados Unidos y
las sucursales de BBVA en Asia.
El Centro Corporativo ejerce funciones centralizadas del Grupo, las cuales incluyen: los costes de las unidades centrales que tienen
una funci\u00f3n corporativa; la gesti\u00f3n de las posiciones estructurales de tipo de cambio; carteras cuya gesti\u00f3n no est\u00e1 vinculada a
relaciones con la clientela, tales como las participaciones industriales y financieras; las participaciones en empresas tecnol\u00f3gicas a
trav\u00e9s de fondos y veh\u00edculos de inversi\u00f3n; ciertos activos y pasivos por impuestos; fondos por compromisos con empleados; fondos
de comercio y otros intangibles as\u00ed como la financiaci\u00f3n de dichas carteras y activos. Adicionalmente incluye los resultados
generados por los negocios del Grupo en Estados Unidos hasta su venta a PNC el 1 de junio de 2021 (ver Nota 21), present\u00e1ndose
dichos resultados en una \u00fanica l\u00ednea denominada \u201cGanancias (p\u00e9rdidas) despu\u00e9s de impuestos procedentes de actividades
interrumpidas\u201d de la cuenta de p\u00e9rdidas y ganancias resumida consolidada del Centro Corporativo.
Por \u00faltimo, los costes asociados al procedimiento de despido colectivo y el cierre de oficinas de Banco Bilbao Vizcaya Argentaria, S.A.
llevado a cabo en Espa\u00f1a durante el ejercicio 2021, registrados en la l\u00ednea de \"Provisiones\", \"Provisiones y reversi\u00f3n de provisiones\",
\"Deterioro del valor o reversi\u00f3n del deterioro del valor de activos no financieros\" y \"Ganancias (p\u00e9rdidas) procedentes de activos no
corrientes y grupos enajenables de elementos clasificados como mantenidos para la venta no admisibles como actividades
interrumpidas\" (ver Notas 24, 46, 49 y 50).
El desglose del activo total del Grupo BBVA por segmentos de negocio a 31 de diciembre de 2022, 2021 y 2020 es el siguiente:
Total activos del Grupo por segmentos de negocio (Millones de euros)
2022
2021 \u207d\u00b9\u207e
2020 \u207d\u00b9\u207e
Espa\u00f1a
427.193
413.430
408.022
M\u00e9xico
143.405
118.106
110.236
Turqu\u00eda
66.043
56.245
59.585
Am\u00e9rica del Sur
62.067
56.124
55.436
Resto de Negocios
49.952
40.328
35.194
Subtotal activos por \u00e1reas de negocio
748.660
684.233
668.474
Centro Corporativo y ajustes (2)
(35.520)
(21.348)
65.323
Total activos Grupo BBVA
713.140
662.885
733.797
El saldo de los pr\u00e9stamos existentes para los que se ha concedido una moratoria (separado entre las vigentes al cierre del ejercicio y
las finalizadas al cierre del ejercicio) seg\u00fan los criterios de la EBA y para los que se ha concedido financiaci\u00f3n con garant\u00eda p\u00fablica
otorgadas a nivel de Grupo por segmento a 31 de diciembre de 2022 y 2021 son los siguientes:
Importes de moratorias y financiaci\u00f3n con garant\u00eda p\u00fablica por concepto (Millones de euros)
Moratorias
Financiaci\u00f3n con
garant\u00eda p\u00fablica
Vigentes
Finalizadas
Total
2022
2021
2022
2021
2022
2021
2022
2021
Grupo
\u2014
189
18.103
21.743
18.103
21.931
13.955
16.093
Hogares
\u2014
107
12.974
14.904
12.974
15.011
1.302
1.376
Del que: Hipotecas
\u2014
97
9.542
10.195
9.542
10.291
5
6
PyMEs
\u2014
44
2.725
3.950
2.725
3.994
9.672
10.911
Entidades no financieras
\u2014
37
2.315
2.766
2.315
2.803
2.964
3.788
Resto
\u2014
\u2014
90
122
90
122
18
18
En Espa\u00f1a, en el caso de las operaciones morosas con aval ICO, el Ministerio de Asuntos Econ\u00f3micos y Transformaci\u00f3n Digital
deviene en obligado principal de las obligaciones avaladas desde la comunicaci\u00f3n al ICO de la ejecuci\u00f3n del aval. Esto ocurre tambi\u00e9n
en caso de vencimiento anticipado de la deuda, sin perjuicio de que los pagos se realicen seg\u00fan el calendario inicialmente pactado
entre el cliente y la entidad. A partir de ese momento se dar\u00e1 de baja la deuda original con el cliente reconociendo simult\u00e1neamente
un derecho de cr\u00e9dito frente al Ministerio.
7.2.1C\u00e1lculo de p\u00e9rdidas esperadas
La NIIF 9 requiere cuantificar la p\u00e9rdida esperada (\u201cExpected Credit Loss\u201d o \u201cECL\u201d) de un instrumento financiero de tal manera que
refleje una estimaci\u00f3n imparcial eliminando cualquier grado de conservadurismo u optimismo, e incluyendo el valor temporal del
dinero y la informaci\u00f3n forward-looking (incluyendo una previsi\u00f3n sobre la econom\u00eda), todo ello en base a la informaci\u00f3n que est\u00e9
disponible en un determinado momento y que sea razonable y soportable respecto a las condiciones econ\u00f3micas futuras.
Por lo tanto, el reconocimiento y la valoraci\u00f3n de las p\u00e9rdidas esperadas son altamente complejos e implican la utilizaci\u00f3n de an\u00e1lisis
y estimaciones significativas que incluyen tanto la formulaci\u00f3n como la consideraci\u00f3n de dichas condiciones econ\u00f3micas futuras en el
modelo de p\u00e9rdidas esperadas.
La modelizaci\u00f3n del c\u00e1lculo de las p\u00e9rdidas esperadas est\u00e1 sometida a un sistema de gobierno que es com\u00fan para todo el Grupo.
Dentro de ese marco com\u00fan, cada \u00e1rea geogr\u00e1fica realiza las adaptaciones necesarias para capturar sus particularidades.
Anualmente se revisa la metodolog\u00eda, supuestos y observaciones utilizados por cada \u00e1rea geogr\u00e1fica, y tras un proceso de validaci\u00f3n
y aprobaci\u00f3n, el resultado de esta revisi\u00f3n se incorpora a los c\u00e1lculos de las p\u00e9rdidas esperadas.
Par\u00e1metros de riesgo por grupos homog\u00e9neos
Las p\u00e9rdidas esperadas se pueden estimar tanto de forma individual como de manera colectiva. Respecto a la estimaci\u00f3n colectiva,
los instrumentos se distribuyen en grupos homog\u00e9neos (segmentos) que comparten caracter\u00edsticas de riesgo similares. Siguiendo
las directrices establecidas por el Grupo para el desarrollo de modelos bajo NIIF 9, cada \u00e1rea geogr\u00e1fica realiza la agrupaci\u00f3n en
funci\u00f3n de la informaci\u00f3n disponible, su representatividad o relevancia y el cumplimiento de los requisitos estad\u00edsticos necesarios.
Dependiendo del segmento o del par\u00e1metro a estimar, los ejes de riesgo a aplicar pueden ser diferentes, y los segmentos reflejan las
diferencias en las PD y LGD. Por lo tanto, dentro de cada segmento, la variaci\u00f3n en el nivel de riesgo de cr\u00e9dito responde al impacto
de las condiciones cambiantes en los factores comunes de las caracter\u00edsticas de riesgo de cr\u00e9dito. Tambi\u00e9n se tiene en cuenta el
efecto sobre el riesgo de cr\u00e9dito de los cambios en la informaci\u00f3n prospectiva, por lo que la modelizaci\u00f3n macroecon\u00f3mica para cada
segmento se lleva a cabo utilizando algunas de las caracter\u00edsticas de riesgo compartidas.
Los segmentos comparten caracter\u00edsticas de riesgo de cr\u00e9dito de manera que los cambios en el riesgo de cr\u00e9dito de una parte de la
cartera no queden ocultos por el desempe\u00f1o de otras partes de la cartera. En este sentido la metodolog\u00eda desarrollada para el c\u00e1lculo
de p\u00e9rdidas crediticias se\u00f1ala los ejes de riesgo que han de tenerse en cuenta para la segmentaci\u00f3n de la Probabilidad de
Incumplimiento (PD), distinguiendo entre carteras mayoristas y minoristas.
Como ejemplo de las variables que se pueden tener en consideraci\u00f3n para determinar los modelos finales, se destacan las siguientes:
\u2013PD \u2013 Minorista: Vencimiento residual contractual, Puntuaci\u00f3n (score) del riesgo de cr\u00e9dito, Tipo de producto, D\u00edas en
incumplimiento, Refinanciado (contrato), Tiempo contractual transcurrido, Plazo hasta vencimiento, Nacionalidad del
deudor, Canal de venta, Plazo original, Indicador de actividad de la tarjeta de cr\u00e9dito, porcentaje de uso inicial en tarjetas de
cr\u00e9dito (PUI).
\u2013PD \u2013 Mayorista: Rating (calificaci\u00f3n) del riesgo de cr\u00e9dito, Tipo de producto, Nivel de watch list, refinanciado (cliente), Plazo
hasta vencimiento, Sector industrial, Balance actualizado (S/N), Cancelaci\u00f3n, Periodo de gracia.
\u2013LGD \u2013 Minorista: Puntuaci\u00f3n (score) del riesgo de cr\u00e9dito, Segmento, Tipo de producto, Garantizado/ No garantizado, Tipo
de garant\u00eda, Canal de venta, Nacionalidad, \u00c1rea de Negocio, Segmento comercial del deudor, Refinanciado (contrato), EAD
(esta caracter\u00edstica de riesgo podr\u00eda estar correlacionada con el tiempo contractual transcurrido o el ratio pr\u00e9stamo/valor
por lo que, antes de incluirse, debe llevarse a cabo una evaluaci\u00f3n para evitar una doble contabilidad), El tiempo que el
contrato lleva incumplido (en el caso de exposiciones incumplidas), Ubicaci\u00f3n geogr\u00e1fica.
\u2013LGD \u2013 Mayorista: Rating (calificaci\u00f3n) del riesgo de cr\u00e9dito, Ubicaci\u00f3n geogr\u00e1fica, Segmento, Tipo de producto,
Garantizado/ No garantizado, Tipo de garant\u00eda, \u00c1rea de Negocio, Refinanciado (cliente), Segmento comercial del deudor, El
tiempo que la operaci\u00f3n lleva incumplida (en el caso de exposiciones incumplidas).
\u2013CCF \u2013 Mayorista/minorista, Producto, PUI, Segmento comercial del deudor, D\u00edas de retraso, Refinanciaciones, L\u00edmite de
cr\u00e9dito, Actividad, Tiempo contractual transcurrido.
En el Grupo BBVA las p\u00e9rdidas esperadas calculadas se basan en los modelos internos desarrollados para todas las carteras del
Grupo, a no ser que los clientes est\u00e9n sujetos a la estimaci\u00f3n individualizada.
La cartera Low Default Portfolio (que incluye carteras con alta calidad crediticia como exposiciones con instituciones financieras,
deuda soberana o corporativas; as\u00ed como carteras de pocos clientes con exposiciones muy elevadas por ejemplo specialized lending o
renta fija) se caracterizan por presentar un n\u00famero reducido de incumplimientos por lo que las bases hist\u00f3ricas del Grupo no
contienen informaci\u00f3n suficientemente representativa para construir modelos de deterioro en base a las mismas. Sin embargo,
existen fuentes de informaci\u00f3n externas que, en funci\u00f3n de observaciones m\u00e1s amplias, son capaces de proporcionar los inputs
necesarios para desarrollar modelos de p\u00e9rdidas esperadas. Por ello, en base al rating asignado a estas exposiciones y teniendo en
cuenta los inputs obtenidos de dichas fuentes, se desarrollan internamente los c\u00e1lculos de las p\u00e9rdidas esperadas, incluida su
proyecci\u00f3n en funci\u00f3n de las perspectivas macroecon\u00f3micas.
Estimaci\u00f3n individualizada de las p\u00e9rdidas esperadas
El Grupo revisa peri\u00f3dicamente y de forma individualizada la situaci\u00f3n y calificaci\u00f3n crediticia de sus clientes, con independencia de
su clasificaci\u00f3n, contando para ello con la informaci\u00f3n que se considera necesaria. Asimismo, tiene establecidos procedimientos
dentro del marco de gesti\u00f3n de riesgos para identificar los factores que pueden conducir a un aumento de riesgo y, en consecuencia,
a una mayor necesidad de provisiones.
El modelo de seguimiento establecido por el Grupo consiste en monitorear de forma continua los riesgos a los que est\u00e1 expuesto, lo
que garantiza la adecuada clasificaci\u00f3n de los mismos en las diferentes categor\u00edas de NIIF 9. El an\u00e1lisis original de las exposiciones se
revisa a trav\u00e9s de los procedimientos de actualizaci\u00f3n de las herramientas de calificaci\u00f3n (rating y scoring), que peri\u00f3dicamente
revisan la situaci\u00f3n financiera de los clientes, influyendo en la clasificaci\u00f3n por stages de las exposiciones.
Dentro de ese marco de gesti\u00f3n del riesgo de cr\u00e9dito, el Grupo cuenta con procedimientos que garantizan la revisi\u00f3n, al menos anual,
de todas sus contrapartidas mayoristas a trav\u00e9s de los denominados programas financieros, que recogen el posicionamiento actual y
propuesto del Grupo con el cliente en materia de riesgo de cr\u00e9dito. Esta revisi\u00f3n se basa en un an\u00e1lisis detallado de la situaci\u00f3n
financiera actualizada del cliente, que se complementa con otra informaci\u00f3n disponible en relaci\u00f3n a las perspectivas individuales
sobre la evoluci\u00f3n del negocio, tendencias del sector, perspectivas macroecon\u00f3micas u otro tipo de datos p\u00fablicos. Como
consecuencia de este an\u00e1lisis se obtiene el rating preliminar del cliente que, tras someterse al procedimiento interno, puede ser
revisado a la baja si se estima conveniente (por ejemplo, entorno econ\u00f3mico general o evoluci\u00f3n del sector). Estos factores
adicionales a la informaci\u00f3n que pueda proporcionar el cliente se utilizan para revisar las calificaciones incluso antes de que se
realicen las revisiones del plan financiero programadas si las circunstancias as\u00ed lo aconsejan.
Adicionalmente, el Grupo tiene establecidos procedimientos para identificar a los clientes mayoristas en la categor\u00eda interna de watch
list, que se define como aquel riesgo en el que, derivado de un an\u00e1lisis crediticio individualizado, se aprecia un aumento del riesgo de
cr\u00e9dito, ya sea por dificultades econ\u00f3micas o financieras o porque haya sufrido, o se estime que vaya a sufrir, situaciones adversas en
su entorno, sin cumplir los criterios para su clasificaci\u00f3n como riesgo deteriorado. Seg\u00fan este procedimiento, todas las exposiciones
de un cliente en watch list se consideran en stage 2 independientemente de cuando se han originado, si como resultado del an\u00e1lisis se
considera que el cliente ha aumentado significativamente su riesgo.
Por \u00faltimo, el Grupo cuenta con los denominados Comit\u00e9s de Workout, tanto locales como corporativos, los cuales analizan no solo la
situaci\u00f3n y evoluci\u00f3n de los clientes significativos en situaci\u00f3n de watch list o deteriorados, sino tambi\u00e9n aquellos clientes
significativos en los que, sin haber sido calificados todav\u00eda en watch list, pueden presentar alguna exposici\u00f3n clasificada en stage 2
por un motivo cuantitativo (comparaci\u00f3n de PD desde la originaci\u00f3n). Este an\u00e1lisis se realiza con el fin de decidir si, derivado de esa
situaci\u00f3n, se deben considerar todas las exposiciones del cliente en la categor\u00eda de watch list, lo cual implicar\u00eda la migraci\u00f3n de la
totalidad de las operaciones del cliente a stage 2 con independencia de la fecha en la que se han originado las mismas.
Con ello, el Grupo se asegura de la revisi\u00f3n individualizada de la calidad crediticia de sus contrapartidas mayoristas, identificando las
situaciones en las que se puede haber producido un cambio en el perfil de riesgo de estos clientes y procediendo, en su caso, a la
estimaci\u00f3n individualizada de las p\u00e9rdidas crediticias. Junto a esa revisi\u00f3n, el Grupo estima individualmente las p\u00e9rdidas esperadas
de aquellos clientes cuya exposici\u00f3n total supere determinados umbrales, incluyendo aquellos que parte de sus operaciones puedan
estar clasificadas en stage 1 y parte en stage 2. En la fijaci\u00f3n de umbrales, cada \u00e1rea geogr\u00e1fica determina el importe m\u00ednimo de la
exposici\u00f3n de un cliente cuyas p\u00e9rdidas esperadas deben ser estimadas individualmente teniendo en cuenta lo siguiente:
\u2013Para clientes con exposiciones en stage 3. El an\u00e1lisis de clientes con riesgo total por encima del umbral implica analizar al
menos el 40% del riesgo total de la cartera mayorista en stage 3. Aunque la calibraci\u00f3n del umbral se realiza en la cartera
mayorista, los clientes de otras carteras deben analizarse si superan el umbral y est\u00e1n en stage 3.
\u2013Para el resto de situaciones. El an\u00e1lisis de clientes con riesgo total por encima del umbral implica analizar al menos el 20%
del riesgo total de la cartera mayorista en watch list. Aunque la calibraci\u00f3n del umbral se realiza sobre la exposici\u00f3n
clasificada como watch list, los clientes mayoristas o pertenecientes a otras carteras que tengan exposiciones clasificadas
en stage 2 y cuya exposici\u00f3n total supere el citado umbral deben analizarse individualmente, considerando tanto las
exposiciones clasificadas en stage 1 como en stage 2.
En relaci\u00f3n a la metodolog\u00eda utilizada para la estimaci\u00f3n individualizada de las p\u00e9rdidas esperadas, cabe mencionar, en primer lugar,
que \u00e9stas se definen como la diferencia entre el importe en libros bruto del activo y el valor presente de los flujos de caja futuros
estimados descontados a la tasa de inter\u00e9s efectiva original del activo financiero.
La cantidad recuperable estimada debe corresponder a la cantidad calculada seg\u00fan el siguiente m\u00e9todo:
\u2013El valor actual de los flujos de caja futuros estimados, descontados al tipo de inter\u00e9s efectivo original del activo financiero; y
\u2013La estimaci\u00f3n de la cuant\u00eda recuperable de una exposici\u00f3n garantizada refleja los flujos de caja que pueden resultar de la
liquidaci\u00f3n de la garant\u00eda, teniendo en cuenta los costes asociados, as\u00ed como la informaci\u00f3n de car\u00e1cter prospectivo que el
analista incluye en su an\u00e1lisis de manera impl\u00edcita.
La estimaci\u00f3n de los flujos de caja futuros depende del tipo de an\u00e1lisis que se realice, que puede ser:
\u2013\"Going concern\": Cuando se dispone de informaci\u00f3n actualizada y fiable sobre la solvencia y capacidad de pago de los
titulares o garantes. Los flujos de caja de explotaci\u00f3n del deudor, o del garante, contin\u00faan y pueden utilizarse para
reembolsar la deuda financiera a todos los acreedores. Adem\u00e1s, puede considerar el flujo resultante de la ejecuci\u00f3n de la
garant\u00eda en la medida en que no influya en los flujos de caja de las operaciones. Como principios generales de este tipo de
enfoque se destacan los siguientes:
a.Las estimaciones de los flujos de caja futuros deben basarse en los estados financieros actualizados del deudor/
garante.
b.Cuando las proyecciones realizadas sobre dichos estados financieros supongan una tasa de crecimiento, se debe
utilizar una tasa de crecimiento constante o decreciente a lo largo de un per\u00edodo m\u00e1ximo de crecimiento de 3 a 5
a\u00f1os, y posteriormente flujos de caja constantes.
c.La tasa de crecimiento debe basarse en el an\u00e1lisis de la evoluci\u00f3n de los estados financieros del deudor o en un
plan de reestructuraci\u00f3n empresarial s\u00f3lido y aplicable, teniendo en cuenta los cambios resultantes en la
estructura de la empresa (por ejemplo, debido a desinversiones o a la interrupci\u00f3n de l\u00edneas de negocio no
rentables).
d.Deber\u00edan considerarse las (re)-inversiones necesarias para preservar los flujos de caja, as\u00ed como cualquier cambio
futuro previsible de los flujos de caja (por ejemplo, si expira una patente o un contrato a largo plazo).
e.Cuando los flujos se basan en la realizaci\u00f3n de la enajenaci\u00f3n de algunos activos del deudor, su valoraci\u00f3n debe
reflejar una valoraci\u00f3n actualizada, una estimaci\u00f3n del tiempo necesario hasta su realizaci\u00f3n y considerar los
costos estimados relacionados con la enajenaci\u00f3n.
\u2013\"Gone concern\": Cuando no se dispone de informaci\u00f3n actualizada y fiable se considera que la estimaci\u00f3n de los flujos de
pr\u00e9stamos por cobrar es de gran incertidumbre. El an\u00e1lisis debe realizarse mediante la estimaci\u00f3n de las cantidades
recuperables a partir de las garant\u00edas reales efectivas recibidas. No ser\u00e1n admisibles como garant\u00edas efectivas, aquellas
cuya efectividad dependa sustancialmente de la solvencia del deudor o del grupo econ\u00f3mico en el que participe. Bajo el
escenario de gone concern, se ejerce la garant\u00eda y cesa el flujo de efectivo operativo del deudor. En particular, este enfoque
debe utilizarse cuando:
a.La exposici\u00f3n ha estado vencida durante un largo per\u00edodo. Existe una presunci\u00f3n refutable de que la provisi\u00f3n
debe estimarse con arreglo a un criterio de \u201cGone concern\u201d cuando los atrasos son superiores a 18 meses.
b.Se estima que los flujos de caja futuros de explotaci\u00f3n del deudor son bajas o negativas.
c.La exposici\u00f3n est\u00e1 considerablemente garantizada y esta garant\u00eda es fundamental para la generaci\u00f3n de flujos de
caja.
d.Existe un grado significativo de incertidumbre en torno a la estimaci\u00f3n de los futuros flujos de caja. As\u00ed ocurrir\u00eda si
los beneficios antes de intereses, impuestos, depreciaci\u00f3n y amortizaci\u00f3n (EBITDA) de los dos a\u00f1os anteriores
hubieran sido negativos, o si los planes comerciales de los a\u00f1os anteriores hubieran sido defectuosos (debido a
discrepancias importantes en el backtesting).
e.No se dispone de informaci\u00f3n suficiente para realizar un an\u00e1lisis \u201cGoing concern\u201d.
Incremento significativo del riesgo
Como se ha indicado en la Nota 2.2, los criterios para la identificaci\u00f3n del incremento significativo del riesgo se aplican de forma
coherente en todo el Grupo, distinguiendo entre motivos cuantitativos o por comparaci\u00f3n de probabilidades de incumplimiento y
motivos cualitativos (m\u00e1s de 30 d\u00edas de impago, consideraci\u00f3n de watch list o refinanciaciones no deterioradas).
Para la gesti\u00f3n del riesgo de cr\u00e9dito el Grupo utiliza toda la informaci\u00f3n relevante que est\u00e9 disponible y que pueda afectar a la calidad
crediticia de las exposiciones. Esta informaci\u00f3n puede proceder principalmente de los procesos internos de admisi\u00f3n, an\u00e1lisis y
seguimiento de las operaciones, de la estrategia definida por el Grupo en cuanto al precio de las operaciones o distribuci\u00f3n por \u00e1reas
geogr\u00e1ficas, productos o sectores de actividad, de la observancia del entorno macroecon\u00f3mico, de datos de mercado como curvas
de tipos de inter\u00e9s, o cotizaciones de los diferentes instrumentos financieros, o de fuentes externas de calificaci\u00f3n crediticia.
Este conjunto de informaci\u00f3n es la base para determinar los rating y scoring (ver la Nota 7.2.4 para m\u00e1s informaci\u00f3n sobre sistemas
de rating y scoring) correspondientes a cada una de las exposiciones y que tienen asignada una probabilidad de incumplimiento (PD)
que, como ya se ha mencionado, se somete anualmente a un proceso de revisi\u00f3n que eval\u00faa su representatividad (backtesting) y
actualizaci\u00f3n con las nuevas observaciones. Adem\u00e1s, se ha modelizado la proyecci\u00f3n de estas PDs en el tiempo en funci\u00f3n de las
expectativas macroecon\u00f3micas, lo que permite obtener las probabilidades de incumplimiento a lo largo de la vida de las operaciones.
A partir de esa metodolog\u00eda com\u00fan, y conforme a lo previsto en la NIIF 9 y en las directrices de la EBA sobre pr\u00e1cticas de gesti\u00f3n del
riesgo de cr\u00e9dito, cada \u00e1rea geogr\u00e1fica ha establecido umbrales absolutos y relativos para identificar si los cambios esperados en las
probabilidades de incumplimiento han aumentado significativamente respecto al momento inicial, adaptados a particularidades de
cada una de ellas en cuanto a niveles de originaci\u00f3n, caracter\u00edsticas de los productos, distribuci\u00f3n por sectores o carteras y situaci\u00f3n
macroecon\u00f3mica. Para el establecimiento de los citados umbrales se consideran una serie de principios generales como son:
\u2013Uniformidad: Basado en los sistemas de rating y scoring que, de manera homog\u00e9nea, est\u00e1n implantados en las unidades del
Grupo.
\u2013Estabilidad: Los umbrales deben establecerse para identificar el incremento significativo de riesgo producido en las
exposiciones desde su reconocimiento inicial y no s\u00f3lo para identificar aquellas situaciones en las que ya sea previsible que
alcancen el nivel de deterioro. Por ello es de esperar que del total de exposiciones siempre exista un conjunto
representativo para el que se identifique dicho incremento de riesgo.
\u2013Anticipaci\u00f3n: Los umbrales deben considerar la identificaci\u00f3n del incremento de riesgo con anticipaci\u00f3n respecto al
reconocimiento de las exposiciones como deterioradas o incluso con anterioridad a que se produzca un impago real. La
calibraci\u00f3n de los umbrales debe minimizar los casos en los que los instrumentos se clasifican en stage 3 sin haber sido
previamente reconocidos como stage 2.
\u2013Indicadores o m\u00e9tricas: Se espera que la clasificaci\u00f3n de las exposiciones en stage 2 tenga la suficiente permanencia como
para permitir desarrollar una gesti\u00f3n anticipatoria de las mismas antes de que, en su caso, acaben migrando a stage 3.
\u2013Simetr\u00eda: La NIIF 9 prev\u00e9 un tratamiento sim\u00e9trico tanto para la identificaci\u00f3n del incremento significativo de riesgo como
para identificar que el mismo ha desaparecido, por lo que los umbrales tambi\u00e9n funcionan para mejorar la clasificaci\u00f3n
crediticia de las exposiciones. En este sentido, se espera que sean m\u00ednimos los casos en los que las exposiciones que
mejoren desde stage 3 sean directamente clasificadas en stage 1.
\u2013La identificaci\u00f3n del incremento significativo de riesgo a partir de la comparaci\u00f3n de las probabilidades de incumplimiento
debe ser el principal motivo por el que se reconocen las exposiciones en stage 2.
En concreto, un contrato ser\u00e1 transferido a stage 2 cuando se cumplan las dos condiciones siguientes comparando los valores
actuales de PD y los valores de PD de originaci\u00f3n:
(PD actual) / (PD originaci\u00f3n) - 1*100 > Umbral relativo (%) y
PD actual \u2013 PD originaci\u00f3n > Umbral absoluto (pbs)
Estos umbrales absolutos y relativos se establecen de manera consistente por cada \u00e1rea geogr\u00e1fica y para cada cartera atendiendo a
sus particularidades y fundamentados en los principios descritos. Los umbrales fijados por cada \u00e1rea geogr\u00e1fica est\u00e1n incluidos
dentro del proceso de revisi\u00f3n anual y, a nivel general, se encuentran en el rango de 150% a 250%, para el umbral relativo y de 10 a
150 puntos b\u00e1sicos para el umbral absoluto. En concreto, la cartera mayorista de BBVA, S.A. tiene un rango en el umbral relativo de
160% a 180% y de 30 a 100 puntos b\u00e1sicos en umbral absoluto; en la cartera minorista el umbral relativo se encuentra entre 150% y
200% mientras que el umbral absoluto oscila entre 50 y 100 puntos b\u00e1sicos. En cuanto a BBVA M\u00e9xico, el umbral relativo para la
cartera mayorista se encuentra entre el 180% y el 200% y el absoluto entre 30 y 75 puntos b\u00e1sicos; para la cartera minorista, la
mayor parte de la misma tiene un umbral relativo entre 170% y 250% y un umbral absoluto entre 10 y 100 puntos b\u00e1sicos.
El establecimiento de umbrales absolutos y relativos, as\u00ed como sus diferentes niveles atiende a lo previsto en la NIIF 9 cuando indica
que un cambio determinado, en t\u00e9rminos absolutos, en el riesgo de que se produzca un impago ser\u00e1 m\u00e1s significativo para un
instrumento financiero con un riesgo inicial menor de que se produzca un impago en comparaci\u00f3n con un instrumento financiero con
un riesgo inicial mayor de que se produzca un impago.
Para contratos existentes antes de la implantaci\u00f3n de NIIF 9, dadas las limitaciones en la informaci\u00f3n disponible sobre los mismos,
los umbrales est\u00e1n calibrados en base a las PD obtenidas de los modelos prudenciales o econ\u00f3micos para el c\u00e1lculo de capital.
Par\u00e1metros de riesgo por grupos ajustados por escenarios macroecon\u00f3micos
La p\u00e9rdida esperada debe incluir informaci\u00f3n forward-looking para cumplir con la NIIF 9 que indica que una informaci\u00f3n completa
sobre el riesgo de cr\u00e9dito debe considerar no solo informaci\u00f3n sobre el pasado sino tambi\u00e9n toda la informaci\u00f3n de cr\u00e9dito que sea
relevante, incluyendo la informaci\u00f3n sobre la perspectiva macroecon\u00f3mica. El Grupo BBVA utiliza los par\u00e1metros de riesgo de cr\u00e9dito
cl\u00e1sicos PD, LGD y EAD para calcular la p\u00e9rdida esperada de sus carteras de cr\u00e9dito.
El enfoque metodol\u00f3gico del Grupo BBVA para incorporar la informaci\u00f3n forward-looking tiene como objetivo determinar la relaci\u00f3n
entre variables macroecon\u00f3micas y par\u00e1metros de riesgo siguiendo tres pasos principales:
\u2013Paso 1: an\u00e1lisis y transformaci\u00f3n de series temporales de datos.
\u2013Paso 2: para cada variable dependiente encontrar modelos de previsi\u00f3n condicionales que sean econ\u00f3micamente
consistentes.
\u2013Paso 3: elegir el mejor modelo de previsi\u00f3n condicional del conjunto de candidatos definidos en el paso 2, basado en su
capacidad de previsi\u00f3n.
Reflejo de los escenarios econ\u00f3micos en el c\u00e1lculo de la p\u00e9rdida esperada
El componente forward-looking se a\u00f1ade al c\u00e1lculo de la p\u00e9rdida esperada a trav\u00e9s de la introducci\u00f3n de escenarios
macroecon\u00f3micos como un input. El input depende en gran medida de una combinaci\u00f3n de regi\u00f3n y cartera, puesto que cada input se
adapta a los datos disponibles respecto a cada una de ellas.
Bas\u00e1ndose en la teor\u00eda y en el an\u00e1lisis econ\u00f3mico, los factores m\u00e1s relevantes relacionados con la explicaci\u00f3n y la previsi\u00f3n de los
par\u00e1metros de riesgo seleccionados (PD, LGD y EAD) son:
\u2013Los ingresos netos de familias, empresas y administraciones p\u00fablicas.
\u2013El importe de los pagos pendientes sobre principal e intereses de los instrumentos financieros.
\u2013El valor de los colaterales pignorados.
El Grupo BBVA estima estos par\u00e1metros utilizando un indicador aproximado a partir del conjunto de variables incluidas en los
escenarios macroecon\u00f3micos facilitados por el departamento de BBVA Research.
\u00danicamente se utiliza un indicador espec\u00edfico por cada una de las tres categor\u00edas y s\u00f3lo uno de los siguientes indicadores
macroecon\u00f3micos core deben ser considerados como primera opci\u00f3n:
\u2013El crecimiento real del PIB se puede considerar en la previsi\u00f3n condicional como el \u00fanico factor que se requiere para
capturar la influencia de todos los escenarios macro-financieros potencialmente relevantes sobre PD y LGD internos.
\u2013El tipo de inter\u00e9s a corto plazo m\u00e1s representativo (normalmente la tasa b\u00e1sica o el rendimiento de la deuda soberana m\u00e1s
l\u00edquida o el tipo interbancario) o tipos de cambio expresados en t\u00e9rminos reales.
\u2013Un \u00edndice de precios para propiedades inmobiliarias, representativo y expresado en t\u00e9rminos reales, en el caso de hipotecas
y un \u00edndice representativo y en t\u00e9rminos reales, para las mercanc\u00edas relevantes de la cartera de cr\u00e9ditos mayorista
concentrado en exportadores o productores de esa mercanc\u00eda.
Al crecimiento real del PIB se est\u00e1 dando prioridad sobre cualquier otro indicador no solo porque es el indicador m\u00e1s comprensivo
para ingresos y la actividad econ\u00f3mica sino tambi\u00e9n porque se trata de la variable central en la generaci\u00f3n de escenarios
macroecon\u00f3micos.
Enfoque de m\u00faltiples escenarios
La NIIF 9 requiere el c\u00e1lculo de una valoraci\u00f3n a base de una probabilidad ponderada insesgada de la p\u00e9rdida esperada a trav\u00e9s de la
evaluaci\u00f3n de un rango de posibles valores incluyendo las previsiones de condiciones futuras econ\u00f3micas.
Los equipos de BBVA Research del Grupo producen las previsiones de las variables macroecon\u00f3micas bajo el escenario de base
(\u201cbaseline scenario\u201d) que se est\u00e1n utilizando en el resto de los procesos del Grupo, tales como presupuesto, ICAAP y Marco de
Apetito de Riesgo as\u00ed como stress testing, etc.
Adicionalmente, los equipos de BBVA Research generan los escenarios alternativos al escenario de base para cumplir con los
requerimientos de la NIIF 9.
Escenarios macroecon\u00f3micos alternativos
\u2013Para cada variable macro-financiera, BBVA Research genera tres escenarios.
\u2013BBVA Research monitoriza, analiza y pronostica el entorno econ\u00f3mico para facilitar una evaluaci\u00f3n forward-looking
consistente del escenario m\u00e1s probable, as\u00ed como de los riesgos que afectan a los pa\u00edses donde opera BBVA. Para generar
los escenarios econ\u00f3micos, BBVA Research combina datos oficiales, t\u00e9cnicas econom\u00e9tricas y su criterio experto.
\u2013Cada uno de estos escenarios corresponde al valor esperado de un \u00e1rea diferente de la distribuci\u00f3n probabil\u00edstica de las
posibles proyecciones de las variables econ\u00f3micas.
\u2013El componente no lineal en la estimaci\u00f3n de las p\u00e9rdidas esperadas se define como el ratio entre la probabilidad ponderada
de la p\u00e9rdida esperada bajo los escenarios alternativos y el escenario de base, donde la probabilidad de los escenarios
depende de la distancia entre los escenarios alternativos y el escenario de base.
\u2013El Grupo BBVA establece escenarios ponderados de manera equitativa, siendo la probabilidad del escenario base del 34%,
la del 33% para el escenario alternativo m\u00e1s desfavorable y la del positivo 33% para el escenario alternativo m\u00e1s favorable.
El enfoque del Grupo BBVA consiste en el uso del escenario que es m\u00e1s probable, el escenario de base, que es consistente con el
resto de los procesos internos (ICAAP, presupuesto, etc.), sobre el que se incorpora el efecto de utilizar m\u00faltiples escenarios. Este
efecto se calcula teniendo en cuenta el peso ponderado de la p\u00e9rdida esperada determinada para cada uno de los escenarios.
Hay que destacar que en general, se espera que el efecto resultante de utilizar m\u00faltiples escenarios sea incrementar las p\u00e9rdidas
esperadas respecto a las estimadas en el escenario central, aunque pudiera ser posible que no se produjera dicho efecto en el caso de
que la relaci\u00f3n entre los escenarios macro y las p\u00e9rdidas fuese lineal.
Por otro lado, el Grupo BBVA tambi\u00e9n tiene en cuenta el rango de posibles escenarios en la definici\u00f3n de su incremento significativo
del riesgo. De esta manera, las PD empleadas en el proceso cuantitativo para la identificaci\u00f3n del incremento significativo de riesgo
ser\u00e1n las que resulten de hacer una media ponderada de las PD calculadas bajo los tres escenarios.
Escenarios macroecon\u00f3micos
La pandemia del COVID-19 gener\u00f3 una situaci\u00f3n de incertidumbre macroecon\u00f3mica con impacto directo en el riesgo de cr\u00e9dito de las
entidades y, en particular, sobre las p\u00e9rdidas esperadas bajo NIIF 9. Por ello, la pr\u00e1ctica totalidad de autoridades contables y
prudenciales de manera coordinada emitieron recomendaciones o medidas en el marco del tratamiento de la situaci\u00f3n provocada por
el COVID-19 dentro de los modelos de estimaci\u00f3n de p\u00e9rdidas esperadas bajo NIIF 9 en el ejercicio 2020. En este sentido, el Grupo
BBVA consider\u00f3 dichas recomendaciones en el c\u00e1lculo de las p\u00e9rdidas esperadas por riesgo de cr\u00e9dito bajo NIIF 9, considerando que
la situaci\u00f3n econ\u00f3mica provocada por la pandemia del COVID-19 era transitoria y que vendr\u00eda acompa\u00f1ada de una recuperaci\u00f3n
dadas las incertidumbres en cuanto al nivel y momento de la misma. Por tanto, para el c\u00e1lculo de dichas p\u00e9rdidas se consideraron
diversos escenarios, registrando el que a juicio de la entidad mejor respond\u00eda al momento econ\u00f3mico y al conjunto de las
recomendaciones de las autoridades.
Durante el ejercicio 2021, una vez que se super\u00f3 la fase m\u00e1s cr\u00edtica de la pandemia, la informaci\u00f3n forward looking incorporada en el
c\u00e1lculo de p\u00e9rdidas esperadas es acorde con las perspectivas macroecon\u00f3micas publicadas por BBVA Research como era habitual
hasta el inicio de la pandemia.\u00a0
BBVA Research pronostica un m\u00e1ximo de cinco a\u00f1os para las variables macro-econ\u00f3micas. La estimaci\u00f3n (escenarios favorable,
base y desfavorable) del crecimiento del Producto Interior Bruto (PIB), la tasa de desempleo y del \u00cdndice de Precios de la Vivienda
(IPV), para los pa\u00edses m\u00e1s relevantes donde representa un factor significativo, ha sido realizada por BBVA Research y se ha usado
para el c\u00e1lculo de las p\u00e9rdidas esperadas de cara al cierre a 31 de diciembre de 2022:
Escenario favorable de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2022
4,90 %
12,27 %
(2,96) %
2,97 %
3,28 %
0,84 %
7,59 %
10,00 %
2023
1,85 %
11,35 %
(0,61) %
1,45 %
3,04 %
4,23 %
6,61 %
8,85 %
2024
3,60 %
9,75 %
1,58 %
2,33 %
2,99 %
3,07 %
(0,70) %
10,76 %
2025
3,00 %
8,36 %
1,67 %
1,91 %
3,01 %
4,18 %
3,91 %
11,78 %
2026
2,95 %
7,02 %
2,20 %
1,78 %
3,01 %
3,26 %
3,90 %
11,81 %
2027
2,93 %
5,87 %
2,31 %
1,81 %
3,00 %
4,39 %
3,86 %
11,81 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2022
4,00 %
7,67 %
7,42 %
11,97 %
8,78 %
11,41 %
2023
5,12 %
7,28 %
3,86 %
9,39 %
2,04 %
12,20 %
2024
3,15 %
6,79 %
(1,02) %
7,68 %
2,07 %
12,77 %
2025
2,19 %
6,60 %
2,79 %
6,77 %
2,44 %
12,65 %
2026
2,21 %
6,52 %
2,87 %
6,89 %
3,11 %
12,15 %
2027
2,21 %
6,49 %
3,62 %
6,81 %
3,28 %
10,47 %
Escenario base de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2022
4,61 %
12,78 %
(3,50) %
2,56 %
3,32 %
0,95 %
5,47 %
10,53 %
2023
1,20 %
12,83 %
(2,41) %
0,58 %
3,20 %
4,14 %
3,02 %
10,30 %
2024
3,37 %
11,38 %
0,55 %
2,05 %
3,17 %
2,90 %
(1,50) %
11,75 %
2025
2,98 %
9,95 %
1,30 %
1,84 %
3,15 %
4,19 %
3,78 %
12,15 %
2026
2,95 %
8,58 %
1,74 %
1,76 %
3,14 %
3,27 %
3,78 %
12,00 %
2027
2,93 %
7,18 %
1,86 %
1,79 %
3,13 %
4,37 %
3,74 %
12,00 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2022
2,69 %
7,72 %
5,00 %
12,35 %
8,05 %
11,49 %
2023
2,54 %
7,48 %
(0,50) %
10,40 %
0,72 %
12,45 %
2024
2,42 %
7,03 %
(2,04) %
8,60 %
1,81 %
13,06 %
2025
2,19 %
6,80 %
2,70 %
7,38 %
2,44 %
12,94 %
2026
2,21 %
6,70 %
2,73 %
7,38 %
3,10 %
12,43 %
2027
2,21 %
6,68 %
3,49 %
7,30 %
3,28 %
10,65 %
Escenario desfavorable de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2022
4,33 %
13,26 %
(4,13) %
2,17 %
3,37 %
1,03 %
3,35 %
11,04 %
2023
0,58 %
14,26 %
(4,02) %
(0,28) %
3,38 %
3,97 %
(0,79) %
11,76 %
2024
3,15 %
12,95 %
(0,40) %
1,77 %
3,35 %
2,69 %
(2,49) %
12,82 %
2025
2,93 %
11,53 %
0,79 %
1,77 %
3,30 %
4,04 %
3,70 %
12,53 %
2026
2,91 %
10,14 %
0,99 %
1,72 %
3,27 %
3,24 %
3,70 %
12,19 %
2027
2,89 %
8,77 %
1,10 %
1,75 %
3,26 %
4,37 %
3,66 %
12,16 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2022
1,39 %
7,77 %
2,66 %
12,71 %
7,30 %
11,57 %
2023
(0,05) %
7,69 %
(5,10) %
11,38 %
(0,59) %
12,71 %
2024
1,67 %
7,27 %
(3,29) %
9,49 %
1,50 %
13,34 %
2025
2,19 %
7,02 %
2,59 %
7,97 %
2,44 %
13,21 %
2026
2,21 %
6,91 %
2,57 %
7,83 %
3,10 %
12,70 %
2027
2,21 %
6,88 %
3,33 %
7,78 %
3,28 %
10,86 %
La estimaci\u00f3n para los pr\u00f3ximos cinco a\u00f1os de las siguientes tasas, utilizado en la medici\u00f3n de la p\u00e9rdida esperada a 31 de diciembre
de 2021, de forma consistente con las \u00faltimas estimaciones hechas p\u00fablicas a dicha fecha era la siguiente:
Escenario favorable de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2021
5,52 %
14,42 %
0,33 %
6,39 %
4,18 %
2,35 %
11,63 %
11,90 %
2022
6,14 %
12,50 %
4,70 %
4,07 %
3,89 %
5,38 %
5,60 %
11,35 %
2023
5,13 %
10,05 %
3,06 %
2,81 %
3,75 %
3,85 %
5,80 %
11,93 %
2024
2,61 %
8,48 %
1,87 %
2,17 %
3,69 %
3,07 %
3,62 %
12,66 %
2025
2,22 %
7,49 %
1,56 %
1,88 %
3,64 %
4,08 %
3,66 %
12,94 %
2026
2,19 %
6,71 %
1,19 %
1,83 %
3,59 %
3,95 %
3,66 %
13,05 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2021
13,60 %
11,33 %
9,91 %
15,12 %
9,89 %
15,36 %
2022
4,91 %
7,50 %
6,69 %
11,34 %
5,33 %
13,60 %
2023
3,78 %
6,82 %
3,02 %
9,48 %
3,38 %
13,22 %
2024
2,76 %
6,55 %
2,09 %
7,99 %
3,30 %
12,31 %
2025
2,34 %
6,52 %
2,16 %
6,89 %
3,44 %
11,58 %
2026
2,28 %
6,47 %
2,12 %
6,88 %
3,51 %
11,32 %
Escenario base de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2021
5,23 %
14,93 %
(0,20) %
5,98 %
4,22 %
2,46 %
9,46 %
12,43 %
2022
5,49 %
13,98 %
2,91 %
3,19 %
4,05 %
5,30 %
1,98 %
12,80 %
2023
4,89 %
11,68 %
2,04 %
2,54 %
3,92 %
3,68 %
5,04 %
12,93 %
2024
2,59 %
10,08 %
1,50 %
2,09 %
3,83 %
3,07 %
3,49 %
13,03 %
2025
2,22 %
9,05 %
1,10 %
1,87 %
3,77 %
4,08 %
3,54 %
13,13 %
2026
2,19 %
8,15 %
0,74 %
1,82 %
3,71 %
3,93 %
3,53 %
13,23 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2021
12,22 %
11,38 %
7,49 %
15,50 %
9,17 %
15,44 %
2022
2,32 %
7,70 %
2,30 %
12,35 %
4,02 %
13,86 %
2023
3,05 %
7,06 %
2,04 %
10,40 %
3,13 %
13,51 %
2024
2,76 %
6,76 %
1,98 %
8,60 %
3,29 %
12,60 %
2025
2,34 %
6,70 %
2,03 %
7,38 %
3,44 %
11,87 %
2026
2,28 %
6,64 %
1,99 %
7,38 %
3,51 %
11,53 %
Escenario desfavorable de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2021
4,95 %
15,41 %
(0,82) %
5,58 %
4,27 %
2,54 %
7,29 %
12,94 %
2022
4,88 %
15,41 %
1,31 %
2,33 %
4,23 %
5,13 %
(1,87) %
14,26 %
2023
4,68 %
13,25 %
1,09 %
2,26 %
4,10 %
3,48 %
4,09 %
13,99 %
2024
2,54 %
11,65 %
0,99 %
2,03 %
3,99 %
2,92 %
3,40 %
13,41 %
2025
2,18 %
10,62 %
0,35 %
1,82 %
3,90 %
4,05 %
3,47 %
13,31 %
2026
2,15 %
9,61 %
(0,01) %
1,78 %
3,84 %
3,93 %
3,46 %
13,40 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2021
10,84 %
11,43 %
5,14 %
15,86 %
8,43 %
15,52 %
2022
(0,28) %
7,90 %
(2,34) %
13,33 %
2,72 %
14,12 %
2023
2,31 %
7,30 %
0,85 %
11,29 %
2,83 %
13,79 %
2024
2,76 %
6,98 %
1,86 %
9,19 %
3,29 %
12,87 %
2025
2,34 %
6,91 %
1,88 %
7,83 %
3,43 %
12,13 %
2026
2,28 %
6,85 %
1,83 %
7,85 %
3,51 %
11,71 %
Sensibilidad a los escenarios macroecon\u00f3micos
Se ha realizado un ejercicio de sensibilidad de las p\u00e9rdidas esperadas debido a variaciones de las hip\u00f3tesis clave por ser las que
mayor incertidumbre introducen en la estimaci\u00f3n de dichas p\u00e9rdidas. Como primer paso se han identificado como variables m\u00e1s
relevantes el PIB y el Precio de la Vivienda. Estas variables se han sometido a shocks de +/- 100 pbs en toda la ventana temporal con
impacto en los modelos. Se han valorado sensibilidades independientes, bajo el supuesto de asignar una probabilidad del 100% a
cada escenario determinado con estos shocks independientes.
La variaci\u00f3n en p\u00e9rdidas esperadas viene determinada tanto por el re-staging (es decir: en escenarios de empeoramiento por el
reconocimiento de p\u00e9rdidas crediticias de por vida para operaciones adicionales que se trasladan a stage 2 desde stage 1 donde se
valoran 12 meses de p\u00e9rdidas: o viceversa en escenarios de mejora) como por las variaciones en los par\u00e1metros de riesgos colectivos
(PD y LGD) de cada instrumento financiero debido a los cambios definidos en las previsiones macroecon\u00f3micas del escenario. A
continuaci\u00f3n se muestra la variaci\u00f3n de la p\u00e9rdida esperada para el Grupo y las principales carteras y \u00e1reas geogr\u00e1ficas:
Variaci\u00f3n de la p\u00e9rdida esperada a 31 Diciembre de 2022
Grupo BBVA
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
PIB
Total
Portafolio
Minorista
Empresas
Renta Fija
Total
Portafolio
Empresas
Minorista
Total
Portafolio
Empresas
Minorista
Total
Portafolio
Empresas
Minorista
-100 pbs
223
151
67
3
118
54
62
67
3
63
19
5
12
+100 pbs
(195)
(135)
(55)
(3)
(95)
(42)
(52)
(63)
(3)
(60)
(18)
(5)
(11)
Precio
Vivienda
-100 pbs
1
23
4
+100 pbs
(1)
(22)
(3)
Variaci\u00f3n de la p\u00e9rdida esperada a 31 Diciembre de 2021
Grupo BBVA
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
PIB
Total
Portafolio
Minorista
Empresas
Renta Fija
Total
Portafolio
Empresas
Minorista
Total
Portafolio
Empresas
Minorista
Total
Portafolio
Empresas
Minorista
-100 pbs
237
165
46
3
92
19
58
72
3
65
17
6
11
+100 pbs
(224)
(158)
(44)
(3)
(88)
(18)
(57)
(69)
(4)
(61)
(17)
(6)
(10)
Precio
Vivienda
-100 pbs
4
54
5
+100 pbs
(4)
(53)
(5)
Ajustes adicionales a las p\u00e9rdidas esperadas
El Grupo revisa peri\u00f3dicamente sus estimaciones individualizadas y sus modelos para la estimaci\u00f3n colectiva de las p\u00e9rdidas
esperadas, as\u00ed como el efecto sobre las mismas de los escenarios macroecon\u00f3micos. Adicionalmente, el Grupo puede complementar
dichas p\u00e9rdidas esperadas para recoger los efectos que pudieran no estar incluidos en las mismas, bien por considerar que existen
factores de riesgo adicionales, o para incorporar particularidades sectoriales o que puedan afectar a un conjunto de operaciones o
acreditados, siguiendo un proceso interno formal de aprobaci\u00f3n establecido al efecto.
As\u00ed, durante 2022, en el caso de Espa\u00f1a, se han revisado las p\u00e9rdidas esperadas de las operaciones consideradas dudosas por
razones diferentes a la morosidad, ajustando en el modelo la severidad de estas operaciones para alinearla con la de los dudosos por
morosidad, habi\u00e9ndose registrado una provisi\u00f3n adicional de 250 millones de euros con un cargo a la cuenta de resultados del
ejercicio 2022. Del mismo modo, durante 2021, para los clientes acogidos a las medidas del RDL 6/2012 se revis\u00f3 su par\u00e1metro de
severidad, resultando en un ajuste cuyo importe remanente al cierre del ejercicio 2022 ha sido de 138 millones de euros, sin variaci\u00f3n
significativa en el a\u00f1o.
Por otro lado, los ajustes complementarios pendientes de asignar a operaciones o clientes concretos que est\u00e1n vigentes a 31 de
diciembre de 2022 totalizan 302 millones de euros, de los que 170 millones de euros corresponden a BBVA, S.A., 92 millones de
euros a M\u00e9xico, 25 millones de euros a Per\u00fa, 11 millones de euros a Colombia y 5 millones de euros a Chile. En comparaci\u00f3n a 31 de
diciembre de 2021, los ajustes complementarios pendientes de asignar a operaciones o clientes concretos totalizaron 311 millones de
euros distribuidos en 226 millones de euros en Espa\u00f1a, 68 millones de euros en M\u00e9xico y 18 millones de euros en Per\u00fa. La variaci\u00f3n
en el ejercicio se produce, por un lado, debido a la revisi\u00f3n o al consumo parcial de los ajustes que se estimaron necesarios por la
existencia de moratorias, garant\u00edas p\u00fablicas o sectores m\u00e1s afectados por la pandemia y, por otro, por las p\u00e9rdidas adicionales por
importe de 150 millones de euros asignadas a exposiciones de las carteras de Empresas principalmente de Espa\u00f1a, M\u00e9xico, Per\u00fa y
Colombia (mayoristas y peque\u00f1as y medianas empresas), que pudieran verse m\u00e1s afectadas por el actual contexto econ\u00f3mico de
elevada inflaci\u00f3n, tipos de inter\u00e9s o precios de la energ\u00eda.
7.2.2Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
A continuaci\u00f3n, se presenta la distribuci\u00f3n por ep\u00edgrafes del balance consolidado, del riesgo de cr\u00e9dito del Grupo BBVA a 31 de
diciembre de 2022, 2021 y 2020. Esta distribuci\u00f3n no considera el importe reconocido por las p\u00e9rdidas por deterioro y no est\u00e1n
deducidas las garant\u00edas reales ni otras mejoras crediticias obtenidas para asegurar el cumplimiento de las obligaciones de pago. El
desglose se realiza en funci\u00f3n de la naturaleza de los instrumentos financieros:
Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito (Millones de euros)
Notas
Diciembre\u00a0 \u00a0 \u00a0 \u00a0
2022
Stage 1
Stage 2
Stage 3
Activos financieros mantenidos para negociar
70.763
Instrumentos de patrimonio
10
4.404
Valores representativos de deuda
10
24.367
Pr\u00e9stamos y anticipos
10
41.993
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente
a valor razonable con cambios en resultados
6.888
Instrumentos de patrimonio
11
6.511
Valores representativos de deuda
11
129
Pr\u00e9stamos y anticipos a la clientela
11
247
Activos financieros designados a valor razonable con cambios en resultados
12
913
Derivados y contabilidad de coberturas
53.101
Activos financieros a valor razonable con cambios en otro resultado global
59.100
Instrumentos de patrimonio
13
1.198
Valores representativos de deuda
57.876
57.028
822
26
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13
26
26
\u2014
\u2014
Activos financieros a coste amortizado
433.445
386.048
33.873
13.523
Valores representativos de deuda
43.700
43.433
237
30
Pr\u00e9stamos y anticipos a bancos centrales
4.420
4.420
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
16.066
15.997
69
Pr\u00e9stamos y anticipos a la clientela
369.260
322.199
33.568
13.493
Total riesgo por activos financieros
624.210
Total compromisos y garant\u00edas concedidos
192.568
181.427
9.993
1.147
Compromisos de pr\u00e9stamo concedidos
33
136.920
130.459
6.283
177
Garant\u00edas financieras concedidas
33
16.511
15.214
1.015
281
Otros compromisos concedidos
33
39.137
35.753
2.695
689
Total exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
816.778
Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito (Millones de euros)
Notas
Diciembre\u00a0 \u00a0 \u00a0 \u00a0
2021
Stage 1
Stage 2
Stage 3
Activos financieros mantenidos para negociar
92.560
Instrumentos de patrimonio
10
15.963
Valores representativos de deuda
10
25.790
Pr\u00e9stamos y anticipos
10
50.807
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente
a valor razonable con cambios en resultados
6.086
Instrumentos de patrimonio
11
5.303
Valores representativos de deuda
11
128
Pr\u00e9stamos y anticipos a la clientela
11
655
Activos financieros designados a valor razonable con cambios en resultados
12
1.092
Derivados y contabilidad de coberturas
43.687
Activos financieros a valor razonable con cambios en otro resultado global
60.495
Instrumentos de patrimonio
13
1.320
Valores representativos de deuda
59.148
58.587
561
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13
27
27
\u2014
\u2014
Activos financieros a coste amortizado
383.870
334.772
34.418
14.680
Valores representativos de deuda
34.833
34.605
205
22
Pr\u00e9stamos y anticipos a bancos centrales
5.687
5.687
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13.295
13.285
10
\u2014
Pr\u00e9stamos y anticipos a la clientela
330.055
281.195
34.203
14.657
Total riesgo por activos financieros
587.789
Total compromisos y garant\u00edas concedidos
165.941
152.914
12.070
957
Compromisos de pr\u00e9stamo concedidos
33
119.618
112.494
6.953
171
Garant\u00edas financieras concedidas
33
11.720
10.146
1.329
245
Otros compromisos concedidos
33
34.604
30.274
3.789
541
Total exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
753.730
Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito (Millones de euros)
Notas
Diciembre\u00a0 \u00a0 \u00a0 \u00a0
2020
Stage 1
Stage 2
Stage 3
Activos financieros mantenidos para negociar
65.696
Instrumentos de patrimonio
10
11.458
Valores representativos de deuda
10
23.970
Pr\u00e9stamos y anticipos
10
30.268
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente
a valor razonable con cambios en resultados
5.198
Instrumentos de patrimonio
11
4.133
Valores representativos de deuda
11
356
Pr\u00e9stamos y anticipos a la clientela
11
709
Activos financieros designados a valor razonable con cambios en resultados
12
1.117
Derivados y contabilidad de coberturas
46.302
Activos financieros a valor razonable con cambios en otro resultado global
69.537
Instrumentos de patrimonio
13
1.100
Valores representativos de deuda
68.404
67.995
410
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13
33
33
\u2014
\u2014
Activos financieros a coste amortizado
379.857
334.552
30.607
14.698
Valores representativos de deuda
35.785
35.759
6
20
Pr\u00e9stamos y anticipos a bancos centrales
6.229
6.229
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
14.591
14.565
20
6
Pr\u00e9stamos y anticipos a la clientela
323.252
277.998
30.581
14.672
Total riesgo por activos financieros
567.705
Total compromisos y garant\u00edas concedidos
179.440
165.726
12.682
1.032
Compromisos de pr\u00e9stamos concedidos
33
132.584
124.104
8.214
265
Garant\u00edas financieras concedidas
33
10.665
9.208
1.168
290
Otros compromisos concedidos
33
36.190
32.414
3.300
477
Total exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
747.145
A efectos del cuadro anterior, la exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito se determina en funci\u00f3n de los activos financieros como se
explica a continuaci\u00f3n:
\u2013En el caso de los activos financieros reconocidos en los balances consolidados, se considera que la exposici\u00f3n al riesgo de
cr\u00e9dito es igual a su valor en libros (sin considerar p\u00e9rdidas por deterioro), con la \u00fanica excepci\u00f3n de los derivados de
negociaci\u00f3n y cobertura.
\u2013Para los compromisos y garant\u00edas concedidos, se considera que la m\u00e1xima exposici\u00f3n al riesgo de cr\u00e9dito es el mayor
importe que el Grupo tendr\u00eda que pagar si la garant\u00eda fuera ejecutada, o el mayor importe pendiente de disposici\u00f3n por
parte del cliente en el caso de los compromisos.
\u2013La m\u00e1xima exposici\u00f3n al riesgo de los derivados se basa en la suma de dos factores: el valor de mercado de derivados y su
riesgo potencial (o \u201cadd-on\u201d).
A 31 de diciembre de 2022 no existen activos financieros comprados u originados con deterioro crediticio en los balances
consolidados de Grupo BBVA.
A continuaci\u00f3n, se presenta la exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito, las correcciones de valor acumuladas y el importe neto en
libros, en funci\u00f3n de los stages por \u00e1rea geogr\u00e1fica para pr\u00e9stamos y anticipos a la clientela a coste amortizado a 31 de diciembre de
2022, 2021 y 2020:
Diciembre 2022 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Espa\u00f1a (1)
214.126
187.037
19.621
7.468
(4.860)
(518)
(759)
(3.583)
209.266
186.519
18.862
3.885
M\u00e9xico
74.252
66.971
5.342
1.939
(2.496)
(955)
(475)
(1.066)
71.756
66.017
4.866
873
Turqu\u00eda (2)
39.547
32.755
4.436
2.356
(2.105)
(224)
(358)
(1.523)
37.443
32.531
4.078
833
Am\u00e9rica del Sur (3)
40.288
34.401
4.166
1.721
(1.768)
(318)
(345)
(1.105)
38.519
34.083
3.821
615
Otros
1.047
1.035
3
9
(8)
\u2014
\u2014
(7)
1.039
1.035
3
2
Total (4)
369.260
322.199
33.568
13.493
(11.237)
(2.014)
(1.938)
(7.284)
358.023
320.185
31.629
6.208
Del que: individual
(2.164)
(21)
(604)
(1.539)
Del que: colectiva
(9.073)
(1.994)
(1.334)
(5.745)
(1) Espa\u00f1a incluye todos los pa\u00edses donde opera BBVA, S.A.
(2) Turqu\u00eda incluye todos los pa\u00edses donde opera Garanti BBVA.
(3) En Am\u00e9rica del Sur, el Grupo BBVA opera principalmente en Argentina, Colombia, Per\u00fa y Uruguay.
(4) El importe relativo a las correcciones de valor incluye los ajustes de valoraci\u00f3n por riesgo de cr\u00e9dito a lo largo de la vida residual esperada en aquellos instrumentos financieros
que hayan sido adquiridos. Dichas correcciones de valor se determinan en el momento de la asignaci\u00f3n del precio de compra de un negocio (com\u00fanmente denominado Purchase
Price Allocation (PPA), y fueron originadas principalmente en la adquisici\u00f3n de Catalunya Banc, S.A. (a 31 de diciembre de 2022, el saldo remanente era de 190 millones de euros).
Estos ajustes de valoraci\u00f3n se reconocen en la cuenta de p\u00e9rdidas y ganancias consolidada a lo largo de la vida residual de las operaciones o son aplicados a las correcciones de
valor cuando se materializan las p\u00e9rdidas.
Diciembre 2021 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor
acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Espa\u00f1a (1)
201.405
171.883
21.380
8.143
(5.277)
(722)
(923)
(3.631)
196.129
171.161
20.457
4.511
M\u00e9xico
57.847
51.665
4.261
1.921
(2.038)
(740)
(381)
(916)
55.809
50.925
3.880
1.005
Turqu\u00eda (2)
33.472
26.497
4.134
2.841
(2.058)
(224)
(424)
(1.410)
31.414
26.273
3.711
1.431
Am\u00e9rica del Sur (3)
36.335
30.166
4.425
1.744
(1.736)
(277)
(362)
(1.096)
34.599
29.889
4.062
648
Otros
996
984
3
9
(8)
(1)
\u2014
(7)
988
983
3
2
Total (4)
330.055
281.195
34.203
14.657
(11.116)
(1.964)
(2.091)
(7.061)
318.939
279.231
32.112
7.596
Del que: individual
(2.528)
(4)
(657)
(1.867)
Del que: colectiva
(8.587)
(1.959)
(1.434)
(5.194)
(1) Espa\u00f1a incluye todos los pa\u00edses donde opera BBVA, S.A.
(2) Turqu\u00eda incluye todos los pa\u00edses donde opera Garanti BBVA.
(3) En Am\u00e9rica del Sur, el Grupo BBVA opera principalmente en Argentina, Colombia, Per\u00fa y Uruguay.
(4) El importe relativo a las correcciones de valor incluye los ajustes de valoraci\u00f3n por riesgo de cr\u00e9dito a lo largo de la vida residual esperada en aquellos instrumentos financieros
que hayan sido adquiridos. Dichas correcciones de valor se determinan en el momento de la asignaci\u00f3n del precio de compra de un negocio (com\u00fanmente denominado Purchase
Price Allocation (PPA), y fueron originadas principalmente en la adquisici\u00f3n de Catalunya Banc, S.A. (a 31 de diciembre de 2021 el saldo remanente era de 266 millones de euros).
Estos ajustes de valoraci\u00f3n se reconocen en la cuenta de p\u00e9rdidas y ganancias consolidada a lo largo de la vida residual de las operaciones o son aplicados a las correcciones de
valor cuando se materializan las p\u00e9rdidas.
Diciembre 2020 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Espa\u00f1a (1)
195.983
171.397
16.387
8.199
(5.679)
(753)
(849)
(4.077)
190.304
170.644
15.538
4.122
M\u00e9xico
52.211
46.373
4.071
1.767
(2.211)
(685)
(442)
(1.083)
50.000
45.688
3.628
684
Turqu\u00eda (2)
39.633
30.832
5.806
2.995
(2.338)
(246)
(535)
(1.557)
37.295
30.586
5.272
1.438
Am\u00e9rica del Sur (3)
34.499
28.484
4.312
1.703
(1.870)
(320)
(460)
(1.090)
32.629
28.165
3.852
612
Otros
925
912
5
8
(7)
(1)
\u2014
(6)
918
911
4
2
Total (4)
323.252
277.998
30.581
14.672
(12.105)
(2.005)
(2.287)
(7.813)
311.147
275.993
28.294
6.860
Del que: individual
(2.611)
(10)
(479)
(2.122)
Del que: colectiva
(9.494)
(1.995)
(1.808)
(5.691)
Diciembre 2021 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Administraciones
p\u00fablicas
19.719
19.287
369
62
(37)
(13)
(5)
(19)
19.682
19.274
364
43
Otras instituciones
financieras
9.826
9.672
131
24
(23)
(8)
(6)
(9)
9.804
9.664
125
15
Sociedades no
financieras
146.797
120.140
19.366
7.290
(5.804)
(759)
(1.306)
(3.738)
140.993
119.381
18.060
3.552
Hogares
153.714
132.096
14.336
7.281
(5.253)
(1.184)
(773)
(3.295)
148.461
130.912
13.563
3.986
Total pr\u00e9stamos y
anticipos a la
clientela
330.055
281.195
34.203
14.657
(11.116)
(1.964)
(2.091)
(7.061)
318.939
279.231
32.112
7.596
Diciembre 2020 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Administraciones
p\u00fablicas
19.439
19.163
200
76
(48)
(14)
(9)
(25)
19.391
19.149
191
51
Otras instituciones
financieras
9.856
9.747
95
14
(39)
(25)
(6)
(7)
9.817
9.722
88
7
Sociedades no
financieras
142.547
119.891
15.179
7.477
(6.123)
(774)
(1.110)
(4.239)
136.424
119.117
14.069
3.238
Hogares
151.410
129.196
15.108
7.106
(5.895)
(1.192)
(1.161)
(3.542)
145.515
128.005
13.946
3.564
Total pr\u00e9stamos y
anticipos a la
clientela
323.252
277.998
30.581
14.672
(12.105)
(2.005)
(2.287)
(7.813)
311.147
275.993
28.294
6.860
El detalle por contraparte y por producto de los pr\u00e9stamos y anticipos, neto de correcciones de valor, as\u00ed como el total del importe en
libros bruto por tipo de productos, clasificados en distintas categor\u00edas de activos a 31 de diciembre de 2022, 2021 y 2020 se muestra
a continuaci\u00f3n:
Diciembre 2022 (Millones de euros)
Bancos
centrales
Administracion
es p\u00fablicas
Entidades de
cr\u00e9dito
Otras
sociedades
financieras
Sociedades no
financieras
Hogares
Total
Importe en
libros bruto
A la vista y con breve plazo de preaviso
(cuenta corriente)
\u2014
6
\u2014
352
2.810
933
4.101
4.266
Deuda por tarjetas de cr\u00e9dito
\u2014
1
\u2014
3
2.029
16.865
18.898
19.985
Deudores comerciales
1.021
24
370
24.510
85
26.011
26.254
Arrendamientos financieros
\u2014
195
\u2014
13
8.040
322
8.571
8.857
Pr\u00e9stamos de recompra inversa
302
\u2014
5.251
102
\u2014
\u2014
5.655
5.674
Otros pr\u00e9stamos a plazo
3.802
19.438
4.009
7.995
126.949
139.925
302.118
311.553
Anticipos distintos de pr\u00e9stamos
296
232
6.772
3.930
1.333
811
13.374
13.430
PR\u00c9STAMOS Y ANTICIPOS
4.401
20.892
16.057
12.765
165.670
158.943
378.728
390.019
Por garant\u00edas reales
De los cuales: pr\u00e9stamos
garantizados por bienes inmuebles
297
\u2014
337
23.970
95.056
119.659
122.719
De los cuales: otros pr\u00e9stamos con
garant\u00edas reales
498
5.382
5.073
548
6.635
2.209
20.345
20.675
Por finalidad
De los cuales: cr\u00e9dito al consumo
51.344
51.344
54.718
De los cuales: pr\u00e9stamos para
compra de vivienda
95.249
95.249
96.716
Por subordinaci\u00f3n
De los cuales: pr\u00e9stamos para
financiaci\u00f3n de proyectos
7.942
7.942
8.530
Diciembre 2021 (Millones de euros)
Bancos
centrales
Administracion
es p\u00fablicas
Entidades de
cr\u00e9dito
Otras
sociedades
financieras
Sociedades no
financieras
Hogares
Total
Importe en
libros bruto
A la vista y con breve plazo de preaviso
(cuenta corriente)
\u2014
6
\u2014
321
2.339
495
3.161
3.345
Deuda por tarjetas de cr\u00e9dito
\u2014
\u2014
\u2014
1
1.504
12.523
14.030
14.949
Deudores comerciales
791
\u2014
476
18.191
66
19.524
19.766
Arrendamientos financieros
\u2014
191
\u2014
14
7.388
317
7.911
8.256
Pr\u00e9stamos de recompra inversa
1.192
\u2014
2.788
23
\u2014
\u2014
4.004
4.013
Otros pr\u00e9stamos a plazo
4.174
18.440
4.004
5.413
110.204
134.505
276.739
286.127
Anticipos distintos de pr\u00e9stamos
315
394
6.510
3.554
1.805
630
13.208
13.263
PR\u00c9STAMOS Y ANTICIPOS
5.681
19.822
13.303
9.804
141.431
148.536
338.577
349.719
Por garant\u00edas reales
De los cuales: pr\u00e9stamos
garantizados por bienes inmuebles
324
\u2014
220
21.531
94.821
116.897
119.980
De los cuales: otros pr\u00e9stamos con
garant\u00edas reales
1.180
1.413
2.534
390
3.512
1.950
10.979
11.335
Por finalidad
De los cuales: cr\u00e9dito al consumo
42.294
42.294
45.236
De los cuales: pr\u00e9stamos para
compra de vivienda
95.209
95.209
96.612
Por subordinaci\u00f3n
De los cuales: pr\u00e9stamos para
financiaci\u00f3n de proyectos
8.863
8.863
9.423
Diciembre 2020 (Millones de euros)
Bancos
centrales
Administracion
es p\u00fablicas
Entidades de
cr\u00e9dito
Otras
sociedades
financieras
Sociedades no
financieras
Hogares
Total
Importe en
libros bruto
A la vista y con breve plazo de preaviso
(cuenta corriente)
\u2014
7
\u2014
502
1.798
528
2.835
3.021
Deuda por tarjetas de cr\u00e9dito
\u2014
\u2014
\u2014
2
1.485
11.605
13.093
14.220
Deudores comerciales
898
\u2014
317
14.262
67
15.544
15.796
Arrendamientos financieros
\u2014
197
\u2014
6
7.125
322
7.650
8.013
Pr\u00e9stamos de recompra inversa
472
\u2014
1.914
\u2014
71
\u2014
2.457
2.463
Otros pr\u00e9stamos a plazo
5.690
18.111
3.972
5.799
111.141
132.603
277.317
287.467
Anticipos distintos de pr\u00e9stamos
48
260
8.721
3.191
1.084
473
13.777
13.833
PR\u00c9STAMOS Y ANTICIPOS
6.209
19.475
14.608
9.817
136.966
145.598
332.672
344.813
Por garant\u00edas reales
De los cuales: pr\u00e9stamos
garantizados por bienes inmuebles
372
\u2014
209
22.091
94.147
116.819
120.194
De los cuales: otros pr\u00e9stamos con
garant\u00edas reales
472
952
\u2014
317
3.763
2.059
7.562
7.776
Por finalidad
De los cuales: cr\u00e9dito al consumo
39.799
39.799
43.037
De los cuales: pr\u00e9stamos para
compra de vivienda
94.098
94.098
95.751
Por subordinaci\u00f3n
De los cuales: pr\u00e9stamos para
financiaci\u00f3n de proyectos
10.721
10.721
11.032
7.2.3Mitigaci\u00f3n del riesgo de cr\u00e9dito, garant\u00edas reales y otras mejoras crediticias
La m\u00e1xima exposici\u00f3n al riesgo de cr\u00e9dito, se ve reducida en determinados casos por la existencia de garant\u00edas reales, mejoras
crediticias y otras acciones que mitigan la exposici\u00f3n del Grupo. La pol\u00edtica de cobertura y mitigaci\u00f3n del riesgo de cr\u00e9dito en el Grupo
BBVA dimana de su concepci\u00f3n del negocio bancario, muy centrado en la banca de relaci\u00f3n. En esta l\u00ednea, la exigencia de garant\u00edas
puede ser un instrumento necesario pero no suficiente para la concesi\u00f3n de riesgos, pues la asunci\u00f3n de riesgos por el Grupo
requiere la previa verificaci\u00f3n de la capacidad de pago del deudor o de que \u00e9ste pueda generar los recursos suficientes para permitirle
la amortizaci\u00f3n del riesgo contra\u00eddo en las condiciones convenidas.
Consecuentemente con lo anterior, la pol\u00edtica de asunci\u00f3n de riesgos de cr\u00e9dito se instrumenta en el Grupo BBVA en tres niveles
distintos:
\u2013an\u00e1lisis del riesgo financiero de la operaci\u00f3n, basado en la capacidad de reembolso o generaci\u00f3n de recursos del
acreditado;
\u2013en su caso, constituci\u00f3n de las garant\u00edas adecuadas al riesgo asumido; en cualquiera de las formas generalmente
aceptadas: garant\u00eda dineraria, real, personal o coberturas; y finalmente;
\u2013valoraci\u00f3n del riesgo de recuperaci\u00f3n (liquidez del activo) de las garant\u00edas recibidas.
Lo anterior se realiza a trav\u00e9s de una prudente pol\u00edtica de riesgos que consiste en el an\u00e1lisis del riesgo financiero de la operaci\u00f3n,
basado en la capacidad de reembolso o generaci\u00f3n de recursos del acreditado, el an\u00e1lisis de la garant\u00eda valorando, entre otros, la
eficacia, la solidez y el riesgo, la adecuaci\u00f3n de la garant\u00eda con la operaci\u00f3n y otros aspectos como la ubicaci\u00f3n, divisa, concentraci\u00f3n
o la existencia de limitantes. Adicionalmente, se deber\u00e1n realizar las tareas necesarias para la constituci\u00f3n de garant\u00edas \u2013 en
cualquiera de las formas generalmente aceptadas (real, personal y coberturas) \u2013 adecuadas al riesgo asumido.
Los procedimientos para la gesti\u00f3n y valoraci\u00f3n de las garant\u00edas est\u00e1n recogidos en las pol\u00edticas generales de Gesti\u00f3n del Riesgo de
Cr\u00e9dito (minorista y mayorista), en las que se establecen los principios b\u00e1sicos para la gesti\u00f3n del riesgo de cr\u00e9dito, que incluye la
gesti\u00f3n de las garant\u00edas recibidas en las operaciones con clientes. La Norma de Garant\u00edas detalla los criterios relativos al tratamiento
sistem\u00e1tico, homog\u00e9neo y eficaz de las garant\u00edas en la operativa de cr\u00e9dito en las bancas mayorista y minorista del Grupo BBVA.
Los m\u00e9todos utilizados para valorar las garant\u00edas coinciden con las mejores pr\u00e1cticas del mercado e implican la utilizaci\u00f3n de
tasaciones en las garant\u00edas inmobiliarias, precio de mercado en valores burs\u00e1tiles, valor de la cotizaci\u00f3n de las participaciones en
fondos de inversi\u00f3n, etc. Todas las garant\u00edas reales recibidas deben estar correctamente instrumentadas e inscritas en el registro
correspondiente, as\u00ed como contar con la aprobaci\u00f3n de las unidades jur\u00eddicas del Grupo.
La valoraci\u00f3n de las garant\u00edas se tiene en cuenta en el c\u00e1lculo de las p\u00e9rdidas esperadas. El Grupo ha desarrollado modelos internos
para, a partir de observaciones reales basadas en su propia experiencia, estimar el valor de realizaci\u00f3n de los colaterales recibidos, el
tiempo que transcurre hasta entonces, los costes para su adquisici\u00f3n, mantenimiento y posterior venta. Esta modelizaci\u00f3n forma
parte de los procesos de estimaci\u00f3n de las LGD que se aplican a los diferentes segmentos, y est\u00e1n incluidos dentro de los
procedimientos de revisi\u00f3n y validaci\u00f3n anual.
A continuaci\u00f3n, se describen los principales tipos de garant\u00edas recibidas por cada categor\u00eda de instrumentos financieros:
\u2013Instrumentos de deuda mantenidos para negociar: Las garant\u00edas o mejoras crediticias que se obtengan directamente del
emisor o contrapartida est\u00e1n impl\u00edcitas en las cl\u00e1usulas del instrumento (principalmente, garant\u00edas del emisor).
\u2013Derivados y derivados-contabilidad de coberturas: En los derivados, el riesgo de cr\u00e9dito se minimiza mediante acuerdos
contractuales de compensaci\u00f3n por los que derivados activos y pasivos con la misma contrapartida son liquidados por su
saldo neto. Adem\u00e1s, pueden existir garant\u00edas de otro tipo, dependiendo de la solvencia de la contraparte y de la naturaleza
de la operaci\u00f3n (principalmente, colaterales).
El resumen del efecto de la compensaci\u00f3n (v\u00eda neteo y colateral) para la operativa de derivados financieros y operaciones
de financiaci\u00f3n de valores a 31 de diciembre de 2022 se presenta en la Nota 7.4.2.
\u2013Activos financieros designados a valor razonable con cambios en resultados y activos financieros a valor razonable con
cambios en otro resultado global: Las garant\u00edas o mejoras crediticias obtenidas directamente del emisor o contrapartida,
son inherentes a la estructura del instrumento (principalmente, garant\u00edas personales).
A 31 de diciembre de 2022, 2021 y 2020, el Grupo BBVA no ten\u00eda saldo de exposici\u00f3n a riesgo de cr\u00e9dito de activos
financieros a valor razonable con cambios en otro resultado global deteriorados (ver Nota 7.2.2).
\u2013Activos financieros a coste amortizado:
a.Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito: Habitualmente, cuentan con garant\u00edas personales de la
contraparte o con t\u00edtulos pignorados en el caso de adquisiciones temporales de activos.
b.Pr\u00e9stamos y anticipos a la clientela: La mayor parte de las operaciones cuentan con la garant\u00eda personal de la
contraparte. Adem\u00e1s, pueden tomarse garant\u00edas reales para asegurar las operaciones de cr\u00e9dito a la clientela
(tales como garant\u00edas hipotecarias, dinerarias, pignoraci\u00f3n de valores u otras garant\u00edas reales) u obtener otro
tipo de mejoras crediticias (avales o seguros).
c.Valores representativos de deuda: Las garant\u00edas o mejoras crediticias obtenidas directamente del emisor o
contrapartida son inherentes a la estructura del instrumento.
\u2013Garant\u00edas financieras, otros riesgos contingentes y disponibles por terceros: cuentan con la garant\u00eda personal de la
contraparte u otros colaterales.
El desglose de los pr\u00e9stamos y anticipos a coste amortizado deteriorados (ver Nota 7.2.6) que est\u00e1n cubiertos por garant\u00edas reales y
financieras, por tipo de garant\u00eda, a 31 de diciembre de 2022, 2021 y 2020, es el siguiente:
Pr\u00e9stamos y anticipos a coste amortizado deteriorados cubiertos por garant\u00edas reales y financieras (Millones de euros)
Exposici\u00f3n
m\u00e1xima al
riesgo de
cr\u00e9dito
De los cuales garantizados
Hipotecas
residenciales
Hipotecas
comerciales
Efectivo
Otros
Financieras
Diciembre 2022
13.493
2.537
849
3
52
984
Diciembre 2021
14.657
2.875
1.068
5
33
886
Diciembre 2020
14.678
2.717
789
18
52
575
El valor de las garant\u00edas recibidas a 31 de diciembre de 2022, 2021 y 2020 es el siguiente:
Garant\u00edas recibidas (Millones de euros)
2022
2021
2020
Valor de las garant\u00edas reales
125.963
117.362
116.900
Del que: garantiza riesgos normales en vigilancia especial
12.826
11.768
11.296
Del que: garantiza riesgos deteriorados
3.440
3.981
3.577
Valor de otras garant\u00edas
40.050
48.680
47.012
Del que: garantiza riesgos normales en vigilancia especial
4.963
7.404
4.045
Del que: garantiza riesgos deteriorados
984
886
575
Total valor de las garant\u00edas recibidas
166.013
166.042
163.912
La determinaci\u00f3n de estos distintos niveles y sus l\u00edmites de probabilidad de incumplimiento (PD) se realiz\u00f3 tomando como referencia
las escalas de rating y tasas de incumplimiento de las agencias externas Standard & Poor\u2019s y Moody\u2019s. De esta manera se establecen
los niveles de probabilidad de incumplimiento de la Escala Maestra del Grupo BBVA. Dicha escala es com\u00fan para todo el Grupo, sin
embargo, las calibraciones (mapeo de puntuaciones a tramos de PD / niveles de la Escala Maestra) se realizan a nivel de herramienta
para cada uno de los pa\u00edses en los que el Grupo dispone de herramientas.
A continuaci\u00f3n se muestra la distribuci\u00f3n, por probabilidad de incumplimiento a 12 meses usada en el c\u00f3mputo de la p\u00e9rdida
esperada bajo la NIIF 9, y por stage, del valor bruto en libros de pr\u00e9stamos y anticipos a la clientela en porcentajes del Grupo BBVA a
31 de diciembre de 2022, 2021 y 2020:
Probabilidad de incumplimiento (en puntos b\u00e1sicos)
2022
2021
2020
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas a 12
meses (stage 1)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas
durante toda la
vida del activo
(stage 2)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas a 12
meses (stage 1)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas
durante toda la
vida del activo
(stage 2)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas a 12
meses (stage 1)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas
durante toda la
vida del activo
(stage 2)
%
%
%
%
%
%
0 a 2
5,1
\u2014
5,8
\u2014
4,0
\u2014
2 a 5
18,9
0,3
15,7
0,1
10,2
0,1
5 a 11
16,3
0,5
15,2
0,2
7,7
0,1
11 a 39
18,2
0,8
18,7
0,6
26,8
0,5
39 a 194
20,3
2,3
19,1
2,5
24,0
2,3
194 a 1.061
10,5
3,0
12,2
3,8
15,1
3,4
1.061 a 2.121
1,2
0,9
1,9
1,5
1,5
1,2
> 2.121
0,6
1,1
0,8
1,9
0,6
2,5
Total
91,0
9,0
89,4
10,6
89,9
10,1
A continuaci\u00f3n se muestra la distribuci\u00f3n, por probabilidad de incumplimiento a 12 meses usada en el c\u00f3mputo de la p\u00e9rdida
esperada bajo la NIIF 9, y por stage, del valor bruto en libros de compromisos y riesgos contingentes en porcentajes del Grupo BBVA
a 31 de diciembre de 2022:
Probabilidad de incumplimiento (en puntos b\u00e1sicos)
2022
Activos sujetos a p\u00e9rdidas
crediticias esperadas a 12
meses (stage 1)
Activos sujetos a p\u00e9rdidas
crediticias esperadas durante
toda la vida del activo (stage 2)
%
%
0 a 2
6,3
0,2
2 a 5
20,4
0,2
5 a 11
26,9
0,9
11 a 39
19,8
0,7
39 a 194
14,6
1,1
194 a 1.061
6,1
1,5
1.061 a 2.121
0,6
0,2
> 2.121
0,2
0,4
Total
94,8
5,2
(1) Porcentaje respecto al margen de intereses 12 meses del Grupo BBVA.
(2) Porcentaje respecto al CET1 (Fully Loaded) del Grupo BBVA.
(3) En Euro y Libra esterlina (en \"Resto\") se permiten escenarios de tipos de inter\u00e9s negativos hasta niveles plausibles.
El ejercicio 2022 se ha caracterizado por un cambio de ciclo en t\u00e9rminos de pol\u00edtica monetaria como consecuencia de las elevadas
tasas de inflaci\u00f3n observadas en la mayor parte de las econom\u00edas occidentales. Los efectos de los elevados precios de la energ\u00eda y los
cuellos de botella en la cadena de suministros, que a\u00fan persist\u00edan causados por la pandemia de COVID-19, se vieron acrecentados a
partir de marzo con el estallido de la guerra entre Rusia y Ucrania. En este contexto, los bancos centrales emprendieron una
estrategia de pol\u00edtica monetaria restrictiva con subidas de tipos de inter\u00e9s, que a\u00fan perdura y se espera se prolongue durante gran
parte de 2023.
A nivel agregado, BBVA sigue manteniendo un perfil de riesgo moderado, conforme al objetivo establecido, teniendo sensibilidad
positiva a subidas de los tipos de inter\u00e9s en el margen de intereses.
Respecto a eventos relevantes en los mercados financieros, el BCE inici\u00f3 en julio de 2022 el proceso de subidas de tipos de inter\u00e9s
con el objetivo de frenar la inflaci\u00f3n, con una subida de 250 puntos b\u00e1sicos en el a\u00f1o. La FED por su parte acumula subidas de 425
puntos b\u00e1sicos en 2022. Si bien se esperan incrementos adicionales en 2023 (como la subida de los 0,5 puntos b\u00e1sicos del BCE y de
0,25 puntos b\u00e1sicos de la FED, anunciados el 2 de febrero y el 1 de febrero de 2023, respectivamente), al mantenerse la inflaci\u00f3n en
niveles elevados. En relaci\u00f3n a los mercados de renta fija, las valoraciones se han visto perjudicadas por el fuerte incremento
generalizado de los tipos de inter\u00e9s y del ensanchamiento de las primas de riesgo, acorde con la expectativa de inflaci\u00f3n, que se
espera contin\u00fae por encima de los niveles de referencia. Los diferenciales de deuda espa\u00f1ola e italiana empeoran con ampliaciones
con respecto a la curva alemana, especialmente en el caso de Italia. En cuanto a M\u00e9xico y Am\u00e9rica del Sur, los movimientos de
aplanamiento han sido similares a los de Estados Unidos, continuando con el ciclo de subida de tipos. Turqu\u00eda por su parte, ha situado
el tipo de pol\u00edtica monetaria en el 9,0%, realizando sucesivos recortes por 500 puntos b\u00e1sicos entre agosto y noviembre de 2022.
Los aspectos m\u00e1s destacados para las principales \u00e1reas geogr\u00e1ficas son los siguientes:
\u2013El balance de Espa\u00f1a se caracteriza por una cartera crediticia con elevada proporci\u00f3n referenciada a tipo de inter\u00e9s variable
(hipotecas y pr\u00e9stamos a empresas) y un pasivo compuesto fundamentalmente por dep\u00f3sitos de clientes a la vista. La
cartera COAP act\u00faa como palanca de gesti\u00f3n y cobertura del balance, mitigando su sensibilidad a movimientos de tipos de
inter\u00e9s. El perfil de riesgo de tipo de inter\u00e9s del balance se ha mantenido estable durante el a\u00f1o, siendo Espa\u00f1a el \u00e1rea
geogr\u00e1fica del Grupo con mayor sensibilidad positiva a subidas de tipos.
Por otro lado, como se ha mencionado, el BCE situ\u00f3 a cierre de diciembre de 2022 el tipo de inter\u00e9s de referencia en el
2,5%, el tipo de la facilidad marginal de dep\u00f3sito en el nivel de 2,0% y el tipo de la facilidad marginal de cr\u00e9dito en el 2,75%.
As\u00ed, la evoluci\u00f3n de los tipos Euribor, present\u00f3 subidas relevantes en el a\u00f1o. En este sentido, el diferencial de la clientela se
est\u00e1 empezando a ver beneficiado de las subidas de tipos de inter\u00e9s, algo que se espera contin\u00fae en los pr\u00f3ximos
trimestres.
\u2013M\u00e9xico contin\u00faa mostrando un equilibrio entre los balances referenciados a tipo de inter\u00e9s fijo y variable lo que se traduce
en una sensibilidad limitada a los movimientos de tipos de inter\u00e9s. Entre los activos m\u00e1s sensibles a movimientos de tipos
de inter\u00e9s, destaca la cartera de empresas, mientras que las carteras del consumo e hipotecas son mayoritariamente a tipo
fijo. Por el lado de los recursos, destacar la fuerte proporci\u00f3n de cuentas corrientes no remuneradas, las cuales son
insensibles a movimientos de tipos de inter\u00e9s. La cartera COAP est\u00e1 invertida principalmente en bonos soberanos a tipo fijo
con duraciones limitadas. La tasa de pol\u00edtica monetaria se sit\u00faa en el 10,50%, 500 puntos b\u00e1sicos por encima del nivel de
cierre del a\u00f1o 2021. En t\u00e9rminos de diferencial de la clientela, se aprecia una mejor\u00eda en 2022 favorecido por la contenci\u00f3n
del coste de los dep\u00f3sitos y una positiva evoluci\u00f3n del rendimiento del cr\u00e9dito.
\u2013En Turqu\u00eda, la sensibilidad de los pr\u00e9stamos, en su mayor\u00eda a tipo fijo, pero con plazos relativamente cortos, y la cartera
COAP equilibran la sensibilidad de los dep\u00f3sitos por el lado del pasivo. De este modo, la sensibilidad del margen de
intereses permanece acotada, tanto en lira turca como en moneda extranjera. Sin embargo, el riesgo de valor econ\u00f3mico se
incrementa en 2022 debido fundamentalmente a las compras obligatorias de bonos requeridas por el Supervisor local. El
diferencial de la clientela mejor\u00f3 en 2022 por el menor coste de los dep\u00f3sitos.
\u2013En Am\u00e9rica del Sur, el perfil de riesgo de tipo de inter\u00e9s sigue siendo bajo al tener la mayor parte de los pa\u00edses del \u00e1rea una
composici\u00f3n de fijo/variable y vencimientos muy similares entre el activo y el pasivo, con una sensibilidad del margen de
intereses acotada. Asimismo, en los balances con varias divisas, tambi\u00e9n se realiza una gesti\u00f3n del riesgo de tipo de inter\u00e9s
por cada una de las divisas, mostrando un nivel de riesgo reducido. Respecto a las tasas de referencia de los bancos
centrales de Per\u00fa y Colombia, durante 2022 han realizado subidas en los tipos de referencia de 500 y 900 puntos b\u00e1sicos,
respectivamente. Los diferenciales de la clientela han mejorado en Per\u00fa impactados por un entorno de mayores tipos de
inter\u00e9s, mientras que se han contra\u00eddo en Colombia afectados por un mayor incremento del coste de los dep\u00f3sitos derivado
de una repreciaci\u00f3n m\u00e1s r\u00e1pida de los pasivos que de los activos ante una subida de tipos de referencia tan brusca.
7.3.2Riesgo de tipo de cambio estructural
El riesgo de cambio estructural se define como la posibilidad de experimentar impactos en la solvencia, patrimonio y resultados como
consecuencia de las fluctuaciones de los tipos de cambio, por las posiciones denominadas en moneda extranjera.
El riesgo de cambio estructural es inherente a la actividad de los grupos bancarios internacionales que, como el Grupo BBVA,
desarrollan su negocio en diversas \u00e1reas geogr\u00e1ficas y en diferentes divisas. A nivel de Grupo, el riesgo estructural de tipo de cambio
surge de la consolidaci\u00f3n de las participaciones en filiales con divisas funcionales distintas del euro. Su gesti\u00f3n se lleva a cabo de
forma centralizada para optimizar el manejo conjunto de las exposiciones permanentes en moneda extranjera, teniendo en cuenta la
diversificaci\u00f3n.
La gesti\u00f3n del riesgo de tipo de cambio estructural est\u00e1 dirigida a la protecci\u00f3n de la solvencia, acotando la volatilidad del ratio de
capital CET1 consolidado y de los resultados a consolidar denominados en divisa no euro, as\u00ed como a limitar las necesidades de
capital ante variaciones de los tipos de cambio a los que el Grupo est\u00e1 expuesto dada su diversificaci\u00f3n internacional. La Unidad
corporativa de Global ALM, a trav\u00e9s del COAP, es la encargada de la gestionar este riesgo mediante una pol\u00edtica activa de coberturas
ex profeso para cada objetivo, consistente con la estrategia de gesti\u00f3n.
En el \u00e1mbito corporativo, las m\u00e9tricas de seguimiento del riesgo comprendidas en el esquema de l\u00edmites, est\u00e1n alineadas con el
marco de apetito de riesgo y tienen como objetivo controlar el efecto en la solvencia, a trav\u00e9s del capital econ\u00f3mico y de las
variaciones en el ratio Common Equity Tier I fully loaded (o CET1FL) del Grupo, as\u00ed como la desviaci\u00f3n m\u00e1xima en el beneficio
atribuido del Grupo. Las m\u00e9tricas probabil\u00edsticas permiten estimar el impacto conjunto de la exposici\u00f3n a diferentes divisas teniendo
en cuenta la variabilidad dispar en las cotizaciones de las divisas y sus correlaciones. Estas m\u00e9tricas se completan con otros
indicadores adicionales de evaluaci\u00f3n.
Peri\u00f3dicamente se revisa la bondad de estas m\u00e9tricas de estimaci\u00f3n del riesgo mediante ejercicios de backtesting. Adem\u00e1s, el control
del riesgo estructural de tipo de cambio se complementa con el an\u00e1lisis de escenarios y de estr\u00e9s con el fin de evaluar
vulnerabilidades de la exposici\u00f3n estructural en moneda extranjera no contempladas por las m\u00e9tricas de riesgo y servir como
herramienta adicional a la hora de tomar decisiones de gesti\u00f3n. Los escenarios se basan tanto en situaciones hist\u00f3ricas como
simuladas por el modelo de riesgos, as\u00ed como en los escenarios de riesgo proporcionados por BBVA Research.
La gesti\u00f3n del riesgo de tipo de cambio de las inversiones de BBVA a largo plazo, derivada fundamentalmente de sus franquicias en el
extranjero, tiene como finalidad preservar los ratios de capital del Grupo y otorgar estabilidad a la cuenta de resultados. El a\u00f1o 2022
se caracteriz\u00f3 por la debilidad del euro, especialmente acusada en los primeros nueve meses del a\u00f1o. As\u00ed el d\u00f3lar americano, que
durante alguna parte del a\u00f1o lleg\u00f3 a cotizar por debajo de la paridad, cerr\u00f3 el a\u00f1o con una apreciaci\u00f3n del 6,2% frente al euro. Entre
las divisas emergentes, destac\u00f3 la fuerte apreciaci\u00f3n del peso mexicano (11,0% frente al euro) favorecido por la positiva percepci\u00f3n
respecto a los fundamentales del pa\u00eds y la ya comentada debilidad del euro. La lira se ha visto de nuevo penalizada en 2022 (-23,7%),
por una pol\u00edtica econ\u00f3mica poco ortodoxa en un contexto de elevada inflaci\u00f3n. En cuanto al comportamiento de las divisas de
Am\u00e9rica del Sur, el sol peruano se mostr\u00f3 s\u00f3lido (11,0%), mientras que el peso chileno, algo m\u00e1s vol\u00e1til, consigui\u00f3 apreciarse frente al
euro (4,4%). En negativo, frente al euro, cerraron 2022 el peso colombiano (-12,1%) y el argentino (-38,3%).
BBVA mantiene sus pol\u00edticas activas de gesti\u00f3n de las principales inversiones en pa\u00edses emergentes que sit\u00faa, en media, entre el 40%
y el 50% del resultado atribuido agregado en divisas no euro que espera generar el grupo en los pr\u00f3ximos doce meses; y alrededor del
70% del exceso de capital agregado en divisas no euro. En relaci\u00f3n a este ratio de solvencia, las sensibilidades que se estiman a cierre
de 2022 a depreciaciones del 10% en las divisas son: peso mexicano (-5 puntos b\u00e1sicos); lira turca (-5 puntos b\u00e1sicos) y d\u00f3lar
americano (+19 puntos b\u00e1sicos).
A continuaci\u00f3n, se muestran para los ejercicios 2022, 2021 y 2020, las sensibilidades estimadas del resultado atribuible a los
propietarios de la dominante teniendo en cuenta la cobertura ante depreciaciones y apreciaciones del 1% del tipo medio en las
principales divisas. En la medida en que las posiciones de cobertura se van modulando peri\u00f3dicamente, la estimaci\u00f3n de sensibilidad
trata de reflejar una sensibilidad promedio (o efectiva) habida en el a\u00f1o:
Sensibilidad ante variaci\u00f3n 1% (Millones de euros)
Divisa
2022
2021
2020
Peso mexicano
19,1
14,0
4,9
Lira Turca
3,5
4,7
4,5
Sol peruano
0,7
0,3
0,4
Peso chileno
0,4
0,6
0,3
Peso colombiano
0,9
1,1
1,4
Peso argentino
1,9
0,6
0,9
7.3.3Riesgo de renta variable en el banking book
El riesgo de renta variable en el banking book se define como la posibilidad de experimentar p\u00e9rdidas en los resultados y en el valor en
las posiciones en acciones y otros instrumentos de renta variable mantenidas en el banking book con horizontes de inversi\u00f3n a medio
y largo plazo debido a movimientos en el valor de las acciones o \u00edndices de renta variable.
La exposici\u00f3n del Grupo BBVA al riesgo estructural de renta variable se deriva, fundamentalmente de las participaciones minoritarias
mantenidas en empresas industriales, financieras y en nuevos negocios (innovaci\u00f3n). En algunas carteras esta exposici\u00f3n se modula
con posiciones mantenidas en instrumentos derivados sobre los mismos subyacentes, al objeto de ajustar la sensibilidad de la
cartera ante potenciales variaciones de precios.
La gesti\u00f3n del riesgo de renta variable estructural est\u00e1 dirigida a incrementar la capacidad de generaci\u00f3n de resultados de las
participaciones, limitando las necesidades de capital y acotando el impacto en el nivel de solvencia mediante una gesti\u00f3n proactiva de
la cartera a trav\u00e9s de coberturas. La funci\u00f3n de gesti\u00f3n de las principales carteras de renta variable estructural corresponde a las
unidades especializadas de las \u00e1reas corporativas de Global ALM, Strategy & M&A y Client Solutions (Banking for Growth Companies).
Su actividad est\u00e1 sujeta a la pol\u00edtica corporativa de gesti\u00f3n del riesgo de renta variable estructural, respetando los principios de
gesti\u00f3n y el marco de apetito de riesgo definido.
Las m\u00e9tricas del riesgo de renta variable estructural, dise\u00f1adas por GRM acorde al modelo corporativo, contribuyen al seguimiento
efectivo del riesgo mediante la estimaci\u00f3n de la sensibilidad y el capital necesario para cubrir las posibles p\u00e9rdidas inesperadas
debidas a variaciones de valor de las compa\u00f1\u00edas que integran la cartera de inversi\u00f3n del Grupo, con un nivel de confianza que
corresponde al rating objetivo de la entidad, teniendo en cuenta la liquidez de las posiciones y el comportamiento estad\u00edstico de los
activos a considerar.
Para profundizar en el an\u00e1lisis del perfil de riesgos, peri\u00f3dicamente se llevan a cabo pruebas de tensi\u00f3n y an\u00e1lisis de sensibilidad ante
distintos escenarios simulados, tomando como base tanto situaciones de crisis pasadas como las previsiones realizadas por BBVA
Research. Estos ejercicios se llevan a cabo regularmente para evaluar vulnerabilidades de la exposici\u00f3n estructural en renta variable
no contempladas por las m\u00e9tricas de riesgo y servir como herramienta adicional a la hora de tomar decisiones de gesti\u00f3n.
Peri\u00f3dicamente se realizan contrastes de backtesting del modelo de medici\u00f3n de riesgos utilizado.
Los mercados de Renta Variable en Europa y EE.UU. se vieron negativamente afectados en 2022 por el endurecimiento de las
condiciones financieras llevado a cabo por los Bancos Centrales ante el alza de la inflaci\u00f3n. El ajuste de precios de las acciones se
achaca m\u00e1s en muchos casos a una correcci\u00f3n en las m\u00e9tricas de valoraci\u00f3n que a un deterioro significativo en relaci\u00f3n a las
expectativas de beneficios empresariales. La bolsa espa\u00f1ola cerr\u00f3 el a\u00f1o con ca\u00eddas menores a las que presentaron los principales
\u00edndices de otras geograf\u00edas de la eurozona.
En el Grupo, el riesgo estructural de renta variable, medido en t\u00e9rminos de capital econ\u00f3mico ha aumentado en el \u00faltimo a\u00f1o por la
mayor exposici\u00f3n asumida. La sensibilidad agregada del patrimonio neto consolidado del Grupo BBVA ante un descenso del -1% en el
precio de las acciones ha aumentado hasta situarse a cierre del ejercicio 2022 en -24 millones de euros, frente a los -27 millones de
euros en diciembre de 2021. En la estimaci\u00f3n de esta cifra se ha considerado la exposici\u00f3n en acciones valoradas a precio de
mercado, o en su defecto, a valor razonable (excluidas las posiciones en las carteras de las \u00c1reas de Tesorer\u00eda) y las posiciones netas
en derivados sobre los mismos subyacentes en t\u00e9rminos de delta equivalente.
7.3.4\u00a0 \u00a0 Reforma de los IBOR
El 27 de agosto de 2020, el IASB emiti\u00f3 la segunda fase de la reforma de los \u00edndices de referencia Ibor, que supone la introducci\u00f3n de
modificaciones a las NIIF 9, NIC 39, NIIF 7, NIIF 4 y NIIF 16, para garantizar que los estados financieros reflejen de la mejor manera
posible los efectos econ\u00f3micos de esta reforma.
Estas modificaciones se centran en la contabilizaci\u00f3n de los instrumentos financieros, una vez que se haya introducido un nuevo
\u00edndice de referencia libre de riesgo (Risk Free Rate en su acepci\u00f3n en ingl\u00e9s, en adelante \u201cRFR\u201d). Las modificaciones introducen la
simplificaci\u00f3n pr\u00e1ctica de contabilizar los cambios en los flujos de caja de los instrumentos financieros directamente provocados por
la reforma de Ibor, y si tienen lugar en un contexto de \u201cequivalencia econ\u00f3mica\u201d, mediante la actualizaci\u00f3n del tipo de inter\u00e9s efectivo
del instrumento. Adicionalmente, introduce una serie de exenciones a los requisitos de coberturas para no tener que interrumpir
determinadas relaciones de cobertura. Sin embargo, de manera similar a las modificaciones de la fase 1 (que entr\u00f3 ya en vigor en
2020) (ver Nota 15), las modificaciones de la fase 2 no contemplan excepciones a los requisitos de valoraci\u00f3n aplicables a las partidas
cubiertas y a los instrumentos de cobertura de conformidad con la NIIF 9 o la NIC 39. As\u00ed, una vez que se haya implantado el nuevo
\u00edndice de referencia, las partidas cubiertas y los instrumentos de cobertura deben valorarse con arreglo al nuevo \u00edndice, y la posible
ineficacia que pueda existir en la cobertura se reconocer\u00e1 en la cuenta de resultados.
La transici\u00f3n de los Ibor a los RFR se ha considerado como una iniciativa compleja, que afecta al Grupo BBVA en distintas \u00e1reas
geogr\u00e1ficas y l\u00edneas de negocio, as\u00ed como en multitud de productos, sistemas y procesos. Los principales riesgos a los que est\u00e1
expuesto el Grupo por la transici\u00f3n son; (1) riesgo de litigios relacionados con los productos y servicios ofrecidos por el Grupo; (2)
riesgos legales derivados de los cambios en la documentaci\u00f3n requerida para las operaciones existentes; (3) riesgos financieros y
contables, derivados de modelos de riesgos de mercado y de la valoraci\u00f3n, cobertura, cancelaci\u00f3n y reconocimiento de los
instrumentos financieros asociados a los \u00edndices de referencia; (4) riesgo de precio, derivado de c\u00f3mo los cambios en los \u00edndices
podr\u00edan impactar a los mecanismos de determinaci\u00f3n de precios de determinados instrumentos; (5) riesgos operacionales, ya que la
reforma puede requerir cambios en los sistemas inform\u00e1ticos del Grupo, la infraestructura de informes comerciales, los procesos
operativos y los controles, y (6) riesgos de conducta derivados del impacto potencial de las comunicaciones con clientes durante el
periodo de transici\u00f3n, que podr\u00edan dar lugar a quejas de clientes, sanciones regulatorias o impacto en la reputaci\u00f3n.
El Grupo estableci\u00f3 un proyecto de transici\u00f3n dot\u00e1ndolo de una robusta estructura de gobierno, a trav\u00e9s de un Executive Steering
Committee, con representaci\u00f3n de la alta gerencia de las \u00e1reas afectadas que depende directamente del Global Leadership Team del
Grupo. A nivel local, cada \u00e1rea geogr\u00e1fica defini\u00f3 una estructura de gobierno propia con participaci\u00f3n de la alta direcci\u00f3n. La
coordinaci\u00f3n entre \u00e1reas geogr\u00e1ficas se realiza a trav\u00e9s del Project Management Office (PMO) y de los Global Working Groups que
tienen una visi\u00f3n multi-geogr\u00e1fica y transversal en las \u00e1reas de Legal, Riesgos, Regulatoria, Finanzas y Contabilidad e Ingenier\u00eda. El
proyecto involucra tambi\u00e9n tanto a los Corporate Assurance de las distintas \u00e1reas geogr\u00e1ficas y negocios, como al Global Corporate
Assurance del Grupo.
Este proyecto de transici\u00f3n, ha tenido en cuenta los distintos enfoques y plazos de transici\u00f3n a los nuevos RFR a la hora de evaluar los
diversos riesgos asociados con la transici\u00f3n, as\u00ed como para definir las l\u00edneas de actuaci\u00f3n con la finalidad de mitigar los mismos.
BBVA est\u00e1 alineado con las Buenas Pr\u00e1cticas emitidas por el BCE que esbozan c\u00f3mo los bancos pueden estructurar mejor su
gobernanza, identificar los riesgos relacionados y crear planes de acci\u00f3n contingentes y documentaci\u00f3n en relaci\u00f3n con la transici\u00f3n
de los tipos de referencia.
BBVA est\u00e1 colaborando activamente en la transici\u00f3n de los IBOR, tanto por su apoyo y participaci\u00f3n en los grupos de trabajo
sectoriales como en su compromiso por la remediaci\u00f3n de los contratos con sus contrapartidas. En este sentido, BBVA ha realizado
un proceso de comunicaci\u00f3n y contacto con las contrapartes para modificar los t\u00e9rminos de las relaciones contractuales de forma,
que dichos acuerdos, han sido modificados utilizando diferentes mecanismos: mediante la inclusi\u00f3n de adendas a los contratos, por
la adhesi\u00f3n a protocolos est\u00e1ndares de la industria, la transici\u00f3n de la operativa por c\u00e1mara de compensaci\u00f3n, la cancelaci\u00f3n de
contratos y suscripci\u00f3n de nuevos o por la transici\u00f3n a trav\u00e9s de otros mecanismos legislativos. Este proceso ha sido gestionado a
trav\u00e9s de los mecanismos de seguimiento e indicadores que se han desarrollado por los grupos de trabajo dentro del Grupo.
La fecha oficial de discontinuaci\u00f3n de los \u00edndices LIBORs exUSD (GBP, CHF, EUR, JPY), y LIBOR USD en los plazos 1 semana y 2
meses fue el 31 de diciembre de 2021, y el 3 de enero 2022 para el caso de EONIA. No obstante, la Financial Conduct Authority (FCA) y
la Comisi\u00f3n Europea establecieron una salvaguarda legal para el caso de que hubiera algunas operaciones que no se hubieran podido
migrar antes de dichas fechas de discontinuaci\u00f3n. En el caso de la FCA, esta salvaguarda legal, denominada LIBOR Sint\u00e9tico, aplica
\u00fanicamente para contratos referenciados a LIBOR GBP y LIBOR JPY en los plazos 1, 3 y 6 meses, y permite seguir aplicando el \u00edndice
durante un plazo adicional. No obstante, la FCA ha anunciado su decisi\u00f3n de continuar publicando el LIBOR JPY sint\u00e9tico para todos
sus plazos hasta el 31 de diciembre de 2022, el GBP sint\u00e9tico a 1 mes y 6 meses hasta el 31 de marzo de 2023 y GBP sint\u00e9tico a 3
meses hasta marzo 2024.
En cambio, la Comisi\u00f3n Europea, mediante lo que se conoce como \u201cStatutory Fallback\u201d, proporciona una salvaguarda legal para
contratos EONIA y para LIBOR CHF (que entr\u00f3 en vigor el pasado 1 de enero de 2022), de forma que en los contratos sujetos a esa
medida dichos \u00edndices se sustituyen autom\u00e1ticamente y por imperativo legal, por los nuevos \u00edndices. BBVA mantiene saldos no
significativos en los mencionados LIBOR GBP y JPY sint\u00e9ticos. Estos \u00faltimos ya cuentan con una soluci\u00f3n de transici\u00f3n comunicada y
acordada con los clientes pendiente de ejecutarse en sistemas al inicio de 2023.
Respecto al LIBOR USD, en los plazos a\u00fan vigentes estos se discontinuar\u00e1n el pr\u00f3ximo 30 de junio de 2023 (excepto para los plazos
de una semana y dos meses que ya se descontinuaron en 2021, como hemos dicho anteriormente). Actualmente los diferentes
reguladores internacionales est\u00e1n estudiando la aplicaci\u00f3n de salvaguardas legales similares a la anteriormente comentada. Tal es el
caso de EEUU en donde ya ha sido aprobada una ley federal para designar un fallback estatutario en los contratos que no contemplen
o regulen una transici\u00f3n del \u00edndice LIBOR USD.
En este sentido el Grupo BBVA est\u00e1 trabajando activamente en modificar todos sus contratos referenciados a LIBOR USD al
correspondiente RFR (SOFR). A 31 de diciembre de 2022, el Grupo sigue manteniendo activos y pasivos financieros cuyos contratos
se encuentran referenciados al LIBOR USD al utilizarse, entre otros, para pr\u00e9stamos, dep\u00f3sitos y emisiones de deuda as\u00ed como
subyacente en instrumentos financieros derivados.
En el caso del EURIBOR, las autoridades europeas han promovido modificaciones en su metodolog\u00eda para que cumpla los
requerimientos del Reglamento Europeo de \u00cdndices de Referencia, por lo que este \u00edndice no desaparece.
A continuaci\u00f3n se presenta la exposici\u00f3n del Grupo BBVA a activos y pasivos financieros con vencimientos posteriores a las fechas de
transici\u00f3n de estos Ibor a sus correspondientes RFR. La tabla muestra los importes brutos a 31 de diciembre de 2022 para el caso de
pr\u00e9stamos y anticipos, de instrumentos de deuda de activo y de pasivo, de dep\u00f3sitos y de disponibles, en el caso de derivados, se
muestra su valor nocional:
Millones de euros
Pr\u00e9stamos y
anticipos
Valores
representativos
de deuda
Valores
representativos
de deuda
emitidos
Dep\u00f3sitos
Derivados
(nocional)
LIBOR sint\u00e9tico GBP y JPY
76
\u2014
\u2014
\u2014
\u2014
LIBOR USD con vencimiento > a 30 de junio de 2023
16.539
171
1.977
159
423.468
Total
16.615
171
1.977
159
423.468
De los instrumentos derivados, el 96% de la exposici\u00f3n bien se liquida por C\u00e1maras de Compensaci\u00f3n (fundamentalmente London
Clearing House) o es operativa con contrapartidas actualmente adheridas a los protocolos de International Swaps and Derivatives
Association (ISDA), concretamente los siguientes: ISDA 2020 IBOR Fallback Protocol y June 2022 Benchmark Module of the ISDA
2021 Fallback Protocol.
Riesgo de mercado
El riesgo de mercado tiene su origen en la posibilidad de que se produzcan p\u00e9rdidas en el valor de las posiciones mantenidas como
consecuencia de los movimientos en las variables de mercado que inciden en la valoraci\u00f3n de los activos y pasivos financieros. El
\u00e1mbito del riesgo de mercado en carteras de negociaci\u00f3n del Grupo viene principalmente delimitado a las carteras originadas por
Global Markets valoradas a valor razonable y mantenidas con el prop\u00f3sito de negociar y generar resultados a corto plazo. El riesgo de
mercado en el \u00e1mbito del banking book se encuentra claramente delimitado y separado en los riesgos estructurales del tipo de inter\u00e9s
y spread de cr\u00e9dito, de tipo de cambio y de renta variable (ver Nota 7.3).
7.4.1Riesgo de mercado en carteras de negociaci\u00f3n
El riesgo de mercado en carteras de negociaci\u00f3n se puede categorizar en las siguientes agregaciones:
\u2013Riesgo de tipos de inter\u00e9s: surge como consecuencia de la exposici\u00f3n al movimiento en las diferentes curvas de tipos de
inter\u00e9s en los que se est\u00e1 operando. Si bien los productos t\u00edpicos generadores de sensibilidad a los movimientos en los tipos
de inter\u00e9s son los productos del mercado monetario (dep\u00f3sitos, futuros sobre tipos de inter\u00e9s, call money swaps, etc.) y los
derivados de tipos de inter\u00e9s tradicionales (swaps, opciones sobre tipos de inter\u00e9s \u2013 caps, floors, swaption, etc.), la pr\u00e1ctica
totalidad de los productos financieros tienen una exposici\u00f3n a movimientos en los tipos de inter\u00e9s por el efecto en la
valoraci\u00f3n de los mismos del descuento financiero.
\u2013Riesgo de renta variable: surge como consecuencia del movimiento en los precios de las acciones. Dicho riesgo se genera
en las posiciones en contado de acciones as\u00ed como en cualquier producto derivado cuyo subyacente sea una acci\u00f3n o un
\u00edndice de renta variable. Como un sub-riesgo del de renta variable surge el riesgo de dividendo, como input de cualquier
opci\u00f3n sobre renta variable, su variabilidad puede afectar a la valoraci\u00f3n de las posiciones y, por lo tanto, es un factor
generador de riesgo en los libros.
\u2013Riesgo de tipo de cambio: se produce por el movimiento en los tipos de cambio de las diferentes divisas en las que se tiene
posici\u00f3n. Al igual que el de renta variable, este riesgo se genera en las posiciones de contado de divisa, as\u00ed como en
cualquier producto derivado cuyo subyacente sea un tipo de cambio. Adicionalmente, el efecto quanto (operaciones donde
el subyacente y el nominal de la operaci\u00f3n est\u00e9n denominados en divisas diferentes) conlleva que en determinadas
operaciones donde el subyacente no sea una divisa se genere un riesgo de tipo de cambio que es preciso medir y
monitorear.
\u2013Riesgo de spread de cr\u00e9dito: El spread de cr\u00e9dito es un indicador de mercado de la calidad crediticia de un emisor. El riesgo
de spread se produce por las variaciones en los niveles de spread tanto de emisores corporativos como gubernamentales y
afecta tanto a las posiciones en bonos como en derivados de cr\u00e9dito.
\u2013Riesgo de volatilidad: se produce como consecuencia de las variaciones en los niveles de volatilidad impl\u00edcita a la que
cotizan los diferentes instrumentos de mercado en los que se negocien derivados. Este riesgo, a diferencia del resto, es un
componente exclusivo de la operativa en derivados y se define como un riesgo de primer orden al cambio en la volatilidad
que se genera en todos los posibles subyacentes en los que existan productos con opcionalidad que precisen de un input de
volatilidad para su valoraci\u00f3n.
Las m\u00e9tricas desarrolladas para el control y seguimiento del riesgo de mercado en el Grupo BBVA est\u00e1n alineadas con las mejores
pr\u00e1cticas del mercado e implementadas de manera consistente en todas las unidades locales de riesgo de mercado.
Los procedimientos de medici\u00f3n se establecen en t\u00e9rminos de c\u00f3mo impactar\u00eda una posible evoluci\u00f3n negativa de las condiciones de
los mercados, tanto bajo circunstancias ordinarias como en situaciones de tensi\u00f3n, a la cartera de trading de las unidades de Global
Markets del Grupo.
La m\u00e9trica est\u00e1ndar de medici\u00f3n del riesgo de mercado es el Valor en Riesgo (en adelante, \"VaR\" por sus siglas en ingl\u00e9s), que indica
las p\u00e9rdidas m\u00e1ximas que se pueden producir en las carteras a un nivel de confianza dado (99%) y a un horizonte temporal (un d\u00eda).
Este valor estad\u00edstico, de uso generalizado en el mercado, tiene la ventaja de resumir en una \u00fanica m\u00e9trica los riesgos inherentes a la
actividad de trading teniendo en cuenta las relaciones existentes entre todos ellos, proporcionando la predicci\u00f3n de p\u00e9rdidas que
podr\u00eda experimentar la cartera de trading como resultado de las variaciones de los precios de los mercados de renta variable, tipos de
inter\u00e9s, tipos de cambio y cr\u00e9dito. Adicionalmente, y para determinadas posiciones resulta necesario considerar tambi\u00e9n otros
riesgos, como el de spread de cr\u00e9dito, el de base, el de volatilidad o el riesgo de correlaci\u00f3n.
En lo que respecta a los modelos de medici\u00f3n de riesgos utilizados por el Grupo BBVA, Banco de Espa\u00f1a ha autorizado la utilizaci\u00f3n
del modelo interno para el c\u00e1lculo de recursos propios para las posiciones de riesgo de la cartera de negociaci\u00f3n de BBVA, S.A. y de
BBVA M\u00e9xico que, conjuntamente, contribuyen en torno a un 63 %, 77% y 72% del riesgo de mercado de la cartera de negociaci\u00f3n
del Grupo a 31 de diciembre de 2022, 2021 y 2020, respectivamente. Para el resto de \u00e1reas geogr\u00e1ficas (fundamentalmente, Am\u00e9rica
del Sur y Garanti BBVA) el c\u00e1lculo de recursos propios para las posiciones de riesgo de la cartera de negociaci\u00f3n se realiza utilizando
el modelo est\u00e1ndar.
La estructura vigente de gesti\u00f3n incluye seguimiento de l\u00edmites de riesgo de mercado que consiste en un esquema de l\u00edmites basados
en m\u00e9tricas propias de las actividades de mercado (VaR- Value at Risk-, capital econ\u00f3mico, as\u00ed como de stop loss para cada una de las
unidades de negocio del Grupo).
El modelo utilizado estima el VaR de acuerdo con la metodolog\u00eda de \u201csimulaci\u00f3n hist\u00f3rica\u201d, que consiste en estimar las p\u00e9rdidas y
ganancias que se hubieran producido en la cartera actual de repetirse las variaciones en las condiciones de los mercados que
tuvieron lugar a lo largo de un determinado per\u00edodo de tiempo y, a partir de esa informaci\u00f3n, inferir la p\u00e9rdida m\u00e1xima previsible de la
cartera actual con un determinado nivel de confianza. Este modelo presenta la ventaja de reflejar de forma precisa la distribuci\u00f3n
hist\u00f3rica de las variables de mercado y de no requerir ning\u00fan supuesto de distribuci\u00f3n de probabilidad espec\u00edfica. El per\u00edodo hist\u00f3rico
utilizado en este modelo es de dos a\u00f1os.
Las cifras de VaR se estiman siguiendo estas metodolog\u00edas:
\u2013VaR sin alisado, que equipondera la informaci\u00f3n diaria de los \u00faltimos 2 a\u00f1os transcurridos. Actualmente \u00e9sta es la
metodolog\u00eda oficial de medici\u00f3n de riesgos de mercado de cara al seguimiento y control de l\u00edmites de riesgo.
\u2013VaR con alisado, que da mayor peso a la informaci\u00f3n m\u00e1s reciente de los mercados. Es una medici\u00f3n complementaria a la
anterior.
La utilizaci\u00f3n del VaR por simulaci\u00f3n hist\u00f3rica como m\u00e9trica de riesgo presenta numerosas ventajas, aunque tambi\u00e9n ciertas
limitaciones, entre las cuales cabr\u00eda destacar:
\u2013La estimaci\u00f3n de la p\u00e9rdida m\u00e1xima diaria de las posiciones de la cartera de Global Markets (con un nivel de confianza del
99%) depende de los movimientos de mercado de los dos \u00faltimos a\u00f1os, por lo que no va a recoger eventos de mercado de
gran impacto si \u00e9stos no se han producido en dicha ventana hist\u00f3rica.
\u2013La utilizaci\u00f3n del nivel de confianza del 99% no tiene en consideraci\u00f3n el orden de magnitud de las p\u00e9rdidas potenciales que
pueden ocurrir m\u00e1s all\u00e1 de dicho nivel. Para mitigar esta limitaci\u00f3n, adicionalmente se realizan diferentes ejercicios de
stress, descritos posteriormente.
Asimismo, y siguiendo las directrices establecidas por las autoridades espa\u00f1olas y europeas, BBVA incorpora m\u00e9tricas adicionales al
VaR con el fin de satisfacer los requerimientos regulatorios de Banco de Espa\u00f1a a efectos de c\u00e1lculo de recursos propios para la
cartera de negociaci\u00f3n. En concreto, las medidas incorporadas en el Grupo desde diciembre 2011 (que siguen las pautas establecidas
por Basilea 2.5) son:
\u2013VaR: En t\u00e9rminos regulatorios, a la carga por VaR se incorpora la carga por VaR stress, comput\u00e1ndose la suma de las dos
(VaR y VaR stress). Se cuantifica as\u00ed la p\u00e9rdida asociada a movimientos de los factores de riesgo inherentes a la operativa
de mercados (tipo de inter\u00e9s, tipo de cambio, renta variable, cr\u00e9dito, etc.). Tanto al VaR como al VaR stress, se les reescala
por un multiplicador regulatorio (entre 3 y 4) y por la ra\u00edz de diez para calcular la carga de capital.
\u2013Riesgo Espec\u00edfico: Incremental Risk Capital (\u201cIRC\u201d). Cuantificaci\u00f3n de los riesgos de impago y cambios de calificaci\u00f3n
crediticia de las posiciones de en bonos, y derivados de cr\u00e9dito y fondos de deuda con look-through diario o benchmark
significativo (correlaci\u00f3n > 90%) de la cartera de Trading. El capital de riesgo espec\u00edfico por IRC es una carga exclusiva para
aquellas \u00e1reas geogr\u00e1ficas con modelo interno aprobado (BBVA, S.A. y BBVA M\u00e9xico). La carga de capital se determina en
base a las p\u00e9rdidas asociadas (al 99,9% en un horizonte de 1 a\u00f1o bajo la hip\u00f3tesis de riesgo constante) consecuencia de la
migraci\u00f3n de rating y/o estado de incumplimiento o default por parte del emisor del activo. Adicionalmente, se incluye el
riesgo de precio en posiciones de soberanos por los conceptos se\u00f1alados.
\u2013Riesgo Espec\u00edfico: Titulizaciones, Carteras de correlaci\u00f3n y Fondos de inversi\u00f3n sin look-through. La carga de capital por las
titulizaciones y por la cartera de correlaci\u00f3n recogen las p\u00e9rdidas potenciales asociadas a la ocurrencia de un evento
crediticio en las exposiciones subyacentes. Ambas son calculadas por m\u00e9todo est\u00e1ndar. El per\u00edmetro de las carteras de
correlaci\u00f3n est\u00e1 referido a operativa de mercado del tipo FTD y/o tranchas de CDOs de mercado y s\u00f3lo para posiciones con
mercado activo y capacidad de cobertura. La carga de capital por Fondos recoge las p\u00e9rdidas asociadas a la volatilidad y
riesgo de cr\u00e9dito de las exposiciones subyacentes del fondo. Todas las cargas son calculadas por m\u00e9todo est\u00e1ndar.
Peri\u00f3dicamente, se realizan pruebas de validez de los modelos de medici\u00f3n de riesgos utilizados por el Grupo, que estiman la p\u00e9rdida
m\u00e1xima que se podr\u00eda haber producido en las posiciones consideradas con un nivel de probabilidad determinado (backtesting), as\u00ed
como mediciones de impacto de movimientos extremos de mercado en las posiciones de riesgo mantenidas (stress testing). Como
medida de control adicional se realizan pruebas de backtesting a nivel de mesas de contrataci\u00f3n con el objetivo de hacer un
seguimiento m\u00e1s espec\u00edfico de la validez de los modelos de medici\u00f3n.
El riesgo de mercado en el ejercicio 2022
El riesgo de mercado del Grupo en 2022 contin\u00faa en niveles bajos si se compara con otras magnitudes de riesgos gestionadas por
BBVA, especialmente las de riesgo de cr\u00e9dito. Ello es consecuencia de la naturaleza del negocio. Durante el ejercicio 2022, el VaR
promedio se ha situado en 27 millones de euros, niveles inferiores a los del ejercicio 2021, con un nivel m\u00e1ximo en el a\u00f1o alcanzado el
d\u00eda 12 de enero de 2022 que ascendi\u00f3 a 36 millones de euros. Seguidamente se muestra la evoluci\u00f3n del riesgo de mercado del Grupo
BBVA durante el ejercicio 2022, medido en t\u00e9rminos de VaR (sin alisado), con un nivel de confianza del 99% y horizonte de 1 d\u00eda
expresado en millones de euros.
Por tipolog\u00eda de riesgo de mercado asumido por la cartera de trading del Grupo, el principal factor de riesgo en el Grupo contin\u00faa
siendo el ligado a los tipos de inter\u00e9s, con un peso del 54% del total a finales del ejercicio 2022 (esta cifra incorpora el riesgo de
spread), disminuyendo ligeramente el peso relativo frente al cierre del ejercicio 2021 (57%). Por otro lado, el riesgo cambiario
representa un 22%, aumentando su proporci\u00f3n con respecto al cierre del ejercicio 2021 (16%), mientras que el de renta variable y el
de volatilidad y correlaci\u00f3n, aumentan, presentando un peso del 11% a cierre del ejercicio 2022 (contra un 9% a cierre del ejercicio
2021).
A 31 de diciembre de 2022, 2021 y 2020 el saldo de VaR fue de 29, 31 y 28 millones de euros, respectivamente, con el siguiente
desglose:
VaR por factores de riesgo (Millones de euros)
Riesgo de inter\u00e9s
y spread
Riesgo de
cambio
Riesgo renta
variable
Riesgo
volatilidad/
correlaci\u00f3n
Efecto
diversificaci\u00f3n (1)
Total
2022
VaR medio del ejercicio
33
8
3
7
(23)
27
VaR m\u00e1ximo del ejercicio
35
12
2
11
(24)
36
VaR m\u00ednimo del ejercicio
25
10
2
11
(28)
19
VaR al final del ejercicio
32
13
7
5
(28)
29
2021
VaR medio del ejercicio
33
10
2
11
(28)
29
VaR m\u00e1ximo del ejercicio
32
13
4
1
(14)
36
VaR m\u00ednimo del ejercicio
27
9
1
10
(25)
22
VaR al final del ejercicio
34
9
5
11
(29)
31
2020
VaR medio del ejercicio
29
12
4
11
(28)
27
VaR m\u00e1ximo del ejercicio
39
20
10
20
(14)
39
VaR m\u00ednimo del ejercicio
20
3
1
6
(39)
18
VaR al final del ejercicio
32
12
2
11
(29)
28
(1) El efecto diversificaci\u00f3n es la diferencia entre la suma de los factores de riesgo medidos individualmente y la cifra de VaR total que recoge la correlaci\u00f3n impl\u00edcita existente
entre todas las variables y escenarios usados en la medici\u00f3n.
Validaci\u00f3n del modelo
El modelo interno de riesgo de mercado es validado peri\u00f3dicamente a trav\u00e9s de la realizaci\u00f3n de pruebas de backtesting tanto en
BBVA, S.A como en Global Markets M\u00e9xico (en BBVA M\u00e9xico). El objetivo de las pruebas de backtesting es validar la calidad y
precisi\u00f3n del modelo interno que el Grupo BBVA utiliza para estimar la p\u00e9rdida m\u00e1xima diaria de una cartera, para el 99% de
confianza y un horizonte temporal de 250 d\u00edas, mediante la comparaci\u00f3n de los resultados del Grupo y las medidas de riesgo
generadas por el modelo. Dichas pruebas constataron que los modelos internos de riesgo de mercado de BBVA, S.A. y de Global
Markets M\u00e9xico son adecuados y precisos.
Durante los ejercicios 2022, 2021 y 2020 se elaboraron dos tipos de backtesting:
\u2013Backtesting \u201cHipot\u00e9tico\u201d: el VaR diario se compara con los resultados obtenidos sin tener en cuenta los resultados intrad\u00eda
ni los cambios en las posiciones de la cartera. De este modo, se valida la idoneidad de la m\u00e9trica de riesgo de mercado para
la posici\u00f3n a fin de d\u00eda.
\u2013Backtesting \u201cReal\u201d: el VaR diario se compara con los resultados totales, incluyendo la operativa intrad\u00eda, pero descontando
las posibles franquicias o comisiones generadas. Este tipo de backtesting incorpora el riesgo intrad\u00eda en las carteras.
Adem\u00e1s, cada uno de estos dos tipos de backtesting se realiz\u00f3 a nivel de factor de riesgo o tipo de negocio, pudiendo as\u00ed profundizar
m\u00e1s en la comparativa de resultados versus medidas de riesgo.
En el periodo comprendido entre finales del ejercicio 2021 y finales del ejercicio 2022, se realiz\u00f3 el backtesting del modelo interno de
c\u00e1lculo de VaR, comparando los resultados diarios obtenidos con el nivel de riesgo estimado diario por el modelo de c\u00e1lculo de VaR.
En dicho ejercicio no se produjo ninguna excepci\u00f3n negativa en BBVA, S.A. Por su parte en BBVA M\u00e9xico, se produjeron dos
excepciones negativas.
Al final del ejercicio, el contraste mostr\u00f3 un correcto funcionamiento del mismo, manteni\u00e9ndose dentro de la zona \u201cverde\u201d (0-4
excepciones), que permite aceptar el modelo, tal y como ha venido ocurriendo cada ejercicio desde que se aprob\u00f3 el modelo interno
de riesgo de mercado en el Grupo.
An\u00e1lisis de Stress Test
En las carteras de trading del Grupo BBVA se realizan diferentes ejercicios de stress test. Por un lado se emplean escenarios
hist\u00f3ricos, tanto globales como locales, que replican el comportamiento de alg\u00fan evento extremo pasado, como pudo ser la quiebra
de Lehman Brothers o la crisis del \u201cTequilazo\u201d. Estos ejercicios de stress se complementan con escenarios simulados, donde lo que
se busca es generar escenarios que impactan significativamente a las diferentes carteras, pero sin anclarse en ning\u00fan escenario
hist\u00f3rico concreto. Por \u00faltimo, para determinadas carteras o posiciones, tambi\u00e9n se elaboran ejercicios de stress test fijos que
impactan de manera significativa las variables de mercado que afectan a esas posiciones.
Escenarios hist\u00f3ricos
El escenario de stress hist\u00f3rico de referencia en el Grupo BBVA es el de Lehman Brothers, cuya abrupta quiebra en septiembre de
2008 deriv\u00f3 en un impacto significativo en el comportamiento de los mercados financieros a nivel global. Podr\u00edamos destacar como
los efectos m\u00e1s relevantes de este escenario hist\u00f3rico los siguientes:
\u2013Shock de cr\u00e9dito: reflejado principalmente en el aumento de los spreads de cr\u00e9dito, y downgrades en calificaciones
crediticias.
\u2013Aumento en la volatilidad de gran parte de los mercados financieros dando lugar a mucha variaci\u00f3n en los precios de los
diferentes activos (divisas, equity, deuda).
\u2013Shock de liquidez en los sistemas financieros, cuyo reflejo fue un fuerte movimiento de las curvas interbancarias,
especialmente en los tramos m\u00e1s cortos de las curvas del euro y del d\u00f3lar.
Escenarios simulados
A diferencia de los escenarios hist\u00f3ricos, que son fijos y que, por tanto, no se adaptan a la composici\u00f3n de los riesgos de la cartera en
cada momento, el escenario utilizado para realizar los ejercicios de stress econ\u00f3mico se sustenta bajo metodolog\u00eda de Resampling.
Esta metodolog\u00eda se basa en la utilizaci\u00f3n de escenarios din\u00e1micos que se recalculan peri\u00f3dicamente en funci\u00f3n de cu\u00e1les son los
principales riesgos mantenidos en las carteras de trading. Sobre una ventana de datos lo suficientemente amplia como para recoger
diferentes periodos de stress (se toman datos desde el 1 de enero de 2008 hasta la fecha de evaluaci\u00f3n), se realiza un ejercicio de
simulaci\u00f3n mediante el remuestreo de las observaciones hist\u00f3ricas, generando una distribuci\u00f3n de p\u00e9rdidas y ganancias que permita
analizar eventos m\u00e1s extremos de los ocurridos en la ventana hist\u00f3rica seleccionada. La ventaja de esta metodolog\u00eda es que el
per\u00edodo de stress no est\u00e1 preestablecido, sino que es funci\u00f3n de la cartera mantenida en cada momento, y que al hacer un elevado
n\u00famero de simulaciones (10.000 simulaciones) permite realizar an\u00e1lisis de expected shortfall con mayor riqueza de informaci\u00f3n que
la disponible en los escenarios incluidos en el c\u00e1lculo de VaR.
Las principales caracter\u00edsticas de esta metodolog\u00eda son las siguientes: a) las simulaciones generadas respetan la estructura de
correlaci\u00f3n de los datos, b) flexibilidad en la inclusi\u00f3n de nuevos factores de riesgo y c) permite introducir mucha variabilidad en las
simulaciones (deseable para considerar eventos extremos).
A continuaci\u00f3n se muestra el impacto esperado del stress test en la cuenta de p\u00e9rdidas y ganancias consolidada bajo una simulaci\u00f3n
multivariante de los factores de riesgo que componen el portfolio (impacto esperado calculado con un nivel de confianza del 97,5% a
20 d\u00edas) a 31 de diciembre de 2022:
Impacto esperado del stress test (Millones de euros)
0
Europa
M\u00e9xico
Per\u00fa
Venezuela
Argentina
Colombia
Turqu\u00eda
Impacto esperado
(86)
(42)
(7)
\u2014
(8)
(4)
(22)
7.4.2Compensaci\u00f3n de instrumentos financieros
Los activos y pasivos financieros pueden ser objeto de compensaci\u00f3n, es decir, de presentaci\u00f3n por un importe neto en el balance
consolidado, s\u00f3lo cuando las entidades del Grupo cumplen con lo establecido en la NIC 32, y tienen, por tanto, el derecho, exigible
legalmente, de compensar los importes reconocidos, y la intenci\u00f3n de liquidar la cantidad neta o de realizar el activo y proceder al
pago del pasivo de forma simult\u00e1nea.
Adicionalmente, el Grupo tiene activos y pasivos no compensados en el balance consolidado para los que existen acuerdos marco de
compensaci\u00f3n Master Netting Agreement, pero para los que no existe ni la intenci\u00f3n ni el derecho de liquidar por netos. Los tipos de
eventos m\u00e1s comunes que desencadenan la compensaci\u00f3n de obligaciones rec\u00edprocas son la quiebra de la entidad, la aceleraci\u00f3n del
endeudamiento, la falta de pago, la reestructuraci\u00f3n o la disoluci\u00f3n de la entidad.
En el actual contexto de mercado, los derivados se contratan bajo diferentes contratos marco siendo los m\u00e1s generalizados los
desarrollados por la International Swaps and Derivatives Association (ISDA) y para el mercado espa\u00f1ol el Contrato Marco de
Operaciones Financieras (CMOF). La pr\u00e1ctica totalidad de las operaciones de derivados en cartera han sido celebrados bajo estos
contratos marco, incluyendo en ellos las cl\u00e1usulas de neteo referidas en el punto anterior como Master Netting Agreement,
reduciendo considerablemente la exposici\u00f3n crediticia en estos instrumentos. Adicionalmente, en los contratos firmados con las
contrapartidas profesionales, se incluyen los anexos de acuerdos de colateral denominados Credit Support Annex (CSA) en ISDA y
Anexo III en CMOF, minimizando de esta forma la exposici\u00f3n ante una eventual quiebra de la contrapartida.
Asimismo, el Grupo posee un alto volumen de adquisiciones y cesiones temporales de activos transaccionados a trav\u00e9s de c\u00e1maras
de compensaci\u00f3n que articulan mecanismos de reducci\u00f3n de riesgo de contrapartida, as\u00ed como a trav\u00e9s de la firma de diversos
contratos marco en la operativa bilateral, siendo el m\u00e1s utilizado el contrato GMRA (Global Master Repurchase Agreement), que
publica el International Capital Market Association (ICMA), al que suelen incorporarse las cl\u00e1usulas relativas al intercambio de
colateral dentro del propio cuerpo del contrato marco.
A continuaci\u00f3n se presenta a 31 de diciembre de 2022, 2021 y 2020 un resumen del efecto de la compensaci\u00f3n (v\u00eda neteo y colateral)
para la operativa de derivados financieros y operaciones de financiaci\u00f3n de valores:
Efecto de la compensaci\u00f3n para la operativa de derivados financieros y operaciones de financiaci\u00f3n (Millones de euros)
Importe bruto no
compensado en balance (D)
Notas
Importe
bruto
reconocido
(A)
Importe
compensado
en balance
(B)
Importe
neto
presentado
en balance
(C=A-B)
Importe
relativo a
instrumentos
financieros
reconocidos
Colaterales
(Incluyendo
efectivo)
Importe neto
(E=C-D)
Diciembre 2022
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
52.354
10.554
41.800
29.251
11.461
1.088
Adquisici\u00f3n temporal de activos y
similares
47.111
\u2014
47.111
47.217
970
(1.077)
Total activo
99.465
10.554
88.911
76.468
12.431
11
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
51.767
10.554
41.213
31.063
9.498
651
Cesi\u00f3n temporal de activos y similares
54.382
\u2014
54.382
53.439
586
357
Total pasivo
106.149
10.554
95.594
84.502
10.084
1.008
Diciembre 2021
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
36.349
3.611
32.737
22.524
8.758
1.456
Adquisici\u00f3n temporal de activos y
similares
54.296
\u2014
54.296
55.010
2.213
(2.927)
Total activo
90.645
3.611
87.034
77.534
10.971
(1.471)
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
37.916
3.584
34.331
22.524
10.119
1.688
Cesi\u00f3n temporal de activos y similares
54.159
\u2014
54.159
58.174
679
(4.694)
Total pasivo
92.074
3.584
88.490
80.698
10.798
(3.006)
Diciembre 2020
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
47.862
5.688
42.173
33.842
9.018
(686)
Adquisici\u00f3n temporal de activos y
similares
32.121
\u2014
32.121
32.762
161
(802)
Total activo
79.983
5.688
74.294
66.604
9.178
(1.488)
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
49.720
5.722
43.998
33.842
9.435
721
Cesi\u00f3n temporal de activos y similares
41.571
\u2014
41.571
42.298
1.619
(2.346)
Total pasivo
91.291
5.722
85.569
76.140
11.054
(1.624)
El importe relativo a instrumentos financieros reconocidos recoge, en los derivados, el efecto en caso de compensaci\u00f3n con las
contrapartidas con las que el Grupo mantiene acuerdos de neteo, mientras que en las adquisiciones y cesiones temporales recoge el
valor de mercado de los colaterales asociados a las operaciones.
Riesgo de liquidez y financiaci\u00f3n
El riesgo de liquidez y financiaci\u00f3n se define como la imposibilidad de una entidad financiera para atender sus compromisos de pago
por falta de fondos o que, para atenderlos, tenga que recurrir a la obtenci\u00f3n de fondos en condiciones especialmente gravosas.
7.5.1Estrategia y planificaci\u00f3n de la liquidez y financiaci\u00f3n
El Grupo BBVA es una instituci\u00f3n financiera multinacional que focaliza su negocio principalmente en actividades de banca minorista y
comercial. Al modelo de negocio minorista, que conforma su n\u00facleo de negocio, se le suma la banca corporativa y de inversi\u00f3n,
localizada en el \u00e1rea global de C&IB (Corporate & Investment Banking).
La Gesti\u00f3n del Riesgo de Liquidez y Financiaci\u00f3n est\u00e1 dirigida a mantener una s\u00f3lida estructura de balance que permita la
sostenibilidad del modelo de negocio. La estrategia de Liquidez y Financiaci\u00f3n del Grupo est\u00e1 basada en los siguientes pilares:
\u2013Principio de autosuficiencia financiera de filiales, por lo que cada una de las Unidades de Gesti\u00f3n de Liquidez (UGL) debe
cubrir de manera independiente sus necesidades de financiaci\u00f3n en los mercados donde opera, evitando eventuales
contagios por crisis que podr\u00edan afectar a una o varias UGL del Grupo.
\u2013Recursos estables de clientes como principal fuente de financiaci\u00f3n en todas las UGL, de acuerdo al modelo de negocio del
Grupo.
\u2013Diversificaci\u00f3n de las fuentes de financiaci\u00f3n mayorista, en plazo, mercado, instrumentos, contrapartidas y divisas, con
acceso recurrente al mercado.
\u2013Cumplimiento de los requerimientos regulatorios, asegurando la disponibilidad de amplios buffers de liquidez de alta
calidad, as\u00ed como de instrumentos suficientes requeridos por la regulaci\u00f3n con capacidad de absorber p\u00e9rdidas.
\u2013Cumplimiento de las m\u00e9tricas internas de Riesgo de Liquidez y Financiaci\u00f3n, cumpliendo en todo momento con el nivel de
Apetito al Riesgo establecido para cada UGL.
La Gesti\u00f3n del Riesgo de Liquidez y Financiaci\u00f3n tiene como objetivo, en el corto plazo, evitar que una entidad tenga dificultades para
atender a sus compromisos de pago en el tiempo y forma previstos o que, para atenderlos, tenga que recurrir a la obtenci\u00f3n de
fondos en condiciones gravosas que deterioren la imagen o reputaci\u00f3n de la entidad.
En el medio plazo, tiene como objetivo velar por la idoneidad de la estructura financiera del Grupo y su evoluci\u00f3n, en el marco de la
situaci\u00f3n econ\u00f3mica, de los mercados y de los cambios regulatorios.
Esta gesti\u00f3n de la financiaci\u00f3n estructural y de la liquidez, est\u00e1 fundamentada en el principio de la autosuficiencia financiera de las
entidades que lo integran, enfoque que contribuye a prevenir y limitar el riesgo de liquidez al reducir la vulnerabilidad del Grupo en
periodos de riesgo elevado. En virtud de esta gesti\u00f3n descentralizada, se evitan eventuales contagios por crisis que podr\u00edan afectar
s\u00f3lo a una o varias de las entidades del Grupo, que con actuaci\u00f3n independiente deben cubrir sus necesidades de liquidez en los
mercados donde operan.
Dentro de esta estrategia, el Grupo BBVA se estructura en torno a ocho UGL formadas por la matriz y las filiales bancarias en cada
\u00e1rea geogr\u00e1fica, m\u00e1s las sucursales que dependan de ellas.
Adicionalmente, la pol\u00edtica en materia de Gesti\u00f3n del Riesgo de Liquidez y Financiaci\u00f3n se fundamenta en la robustez de su modelo y
en la planificaci\u00f3n e integraci\u00f3n de la gesti\u00f3n del riesgo en el proceso presupuestario de cada UGL, acorde al apetito al riesgo de
liquidez y financiaci\u00f3n que decide asumir en el desarrollo de su negocio.
La planificaci\u00f3n de la liquidez y financiaci\u00f3n se enmarca dentro de los procesos estrat\u00e9gicos de planificaci\u00f3n presupuestaria y de
negocio de la entidad. Tiene como objetivo permitir el crecimiento recurrente del negocio bancario en condiciones adecuadas de
plazo y coste dentro de los niveles de tolerancia al riesgo establecidos, a trav\u00e9s de una amplia gama de instrumentos que permitan
diversificar las fuentes de financiaci\u00f3n, y manteniendo un amplio volumen de activos l\u00edquidos de alta calidad disponibles.
7.5.2Gobernanza y monitorizaci\u00f3n
La responsabilidad de la gesti\u00f3n de la Liquidez y Financiaci\u00f3n, en el desarrollo de la normal actividad del negocio corresponde al \u00e1rea
de Finanzas como primera l\u00ednea de defensa en la gesti\u00f3n de los riesgos inherentes a dicha actividad, de acuerdo a los principios
establecidos por la EBA y en l\u00ednea con los est\u00e1ndares, pol\u00edticas, procedimientos y controles m\u00e1s exigentes, en el Marco fijado por los
\u00f3rganos sociales. Finanzas, a trav\u00e9s del \u00e1rea de Gesti\u00f3n de Balance, planifica y ejecuta la financiaci\u00f3n del Gap estructural de largo
plazo de cada una de las UGL y propone al Comit\u00e9 de Activos y Pasivos (COAP) las actuaciones a adoptar en esta materia, acorde con
las pol\u00edticas establecidas por la Comisi\u00f3n de Riesgos y Cumplimiento y de acuerdo con las m\u00e9tricas del Marco de Apetito de Riesgo
aprobado por el Consejo de Administraci\u00f3n.
Finanzas es tambi\u00e9n responsable de la elaboraci\u00f3n del reporting regulatorio de la liquidez, coordinando con las \u00e1reas responsables en
cada UGL los procesos necesarios para cubrir los requerimientos que se generen a nivel corporativo y regulatorio, asegur\u00e1ndose de la
integridad de la informaci\u00f3n proporcionada.
GRM es responsable de garantizar que el riesgo de liquidez y financiaci\u00f3n en el Grupo se gestiona seg\u00fan el marco establecido por los
\u00f3rganos corporativos. Tambi\u00e9n se ocupa de la identificaci\u00f3n, medici\u00f3n, seguimiento y control de dichos riesgos y su comunicaci\u00f3n a
los \u00f3rganos pertinentes corporativos. Para llevar a cabo esta labor de manera adecuada, la funci\u00f3n de Riesgos en el Grupo se ha
configurado como una funci\u00f3n \u00fanica, global e independiente de las \u00e1reas de gesti\u00f3n.
Adicionalmente, el Grupo tiene, en su segunda l\u00ednea de defensa una unidad de Control Interno de Riesgos, que realiza una revisi\u00f3n
independiente del control del Riesgo de Liquidez y Financiaci\u00f3n, y una Unidad de Control Interno Financiero que revisa el dise\u00f1o y
efectividad de los controles operativos sobre la gesti\u00f3n y reporting de la liquidez.
Como tercera l\u00ednea de defensa del modelo de control interno del Grupo, Auditor\u00eda Interna se encarga de revisar controles y procesos
espec\u00edficos conforme a un plan de trabajo que se traza anualmente.
Los objetivos fundamentales del Grupo en t\u00e9rminos de riesgo de liquidez y financiaci\u00f3n se determinan a trav\u00e9s del Liquidity Coverage
Ratio (LCR) y el Loan to Stable Customer Deposits (LtSCD).
La m\u00e9trica regulatoria LCR tiene como objeto garantizar la resistencia de las entidades ante un escenario de tensi\u00f3n de liquidez
dentro de un horizonte temporal de 30 d\u00edas. BBVA, dentro de su marco de apetito al riesgo y de sus esquemas de l\u00edmites y alertas, ha
incluido un nivel de exigencia de cumplimiento del LCR tanto para el conjunto del Grupo como para cada una de las UGL
individualmente. Los niveles internos exigidos est\u00e1n orientados a cumplir con eficiencia el requerimiento regulatorio, en un nivel
holgado por encima del 100%.
La ratio LtSCD mide la relaci\u00f3n entre la inversi\u00f3n crediticia neta y los recursos estables de clientes. Esta m\u00e9trica tiene como objetivo
preservar una estructura de financiaci\u00f3n estable en el medio plazo de cada una de las UGL que componen el Grupo BBVA, teniendo
en cuenta que el mantenimiento de un adecuado volumen de recursos estables de clientes es clave para alcanzar un perfil s\u00f3lido de
liquidez. En las \u00e1reas geogr\u00e1ficas con balances en doble divisa se controla tambi\u00e9n el indicador por divisa, para gestionar los
desequilibrios que pudieran surgir.
Se consideran recursos estables de clientes la financiaci\u00f3n captada y gestionada por las UGL entre sus clientes objetivo. Estos
recursos se caracterizan por su baja sensibilidad a alteraciones en los mercados y por su comportamiento poco vol\u00e1til en saldos
agregados por operativa, como consecuencia de la vinculaci\u00f3n del cliente con la unidad. Los recursos estables se obtienen aplicando
a cada segmento de cliente identificado un haircut determinado por el an\u00e1lisis de estabilidad de saldos a trav\u00e9s del que se valoran
distintos aspectos (concentraci\u00f3n, estabilidad, grado de vinculaci\u00f3n). La base principal de los recursos estables est\u00e1 formada por
dep\u00f3sitos de clientes minoristas y empresas.
Con la finalidad de establecer los niveles objetivo (m\u00e1ximos) de LtSCD en cada UGL y proporcionar una referencia de estructura de
financiaci\u00f3n \u00f3ptima en t\u00e9rminos de apetito de riesgo, la unidad corporativa de Riesgos Estructurales de GRM identifica y eval\u00faa las
variables econ\u00f3micas y financieras que condicionan las estructuras de financiaci\u00f3n en las diferentes \u00e1reas geogr\u00e1ficas.
Adicionalmente, la gesti\u00f3n del riesgo de liquidez y financiaci\u00f3n persigue lograr una correcta diversificaci\u00f3n de la estructura de
financiaci\u00f3n. Con el objetivo de evitar una elevada dependencia de la financiaci\u00f3n a corto plazo, se establece un nivel m\u00e1ximo de
captaci\u00f3n de financiaci\u00f3n a corto plazo, que comprende tanto financiaci\u00f3n mayorista como la proporci\u00f3n menos estable de los
recursos de clientes. En relaci\u00f3n a la financiaci\u00f3n a largo plazo, el perfil de vencimientos no presenta concentraciones significativas lo
que permite adecuar el calendario del plan de emisiones previsto a las mejores condiciones financieras de los mercados. Por \u00faltimo,
el riesgo de concentraci\u00f3n es monitorizado a nivel UGL, con el objetivo de asegurar una correcta diversificaci\u00f3n tanto por
contrapartida, como por tipolog\u00eda de instrumento.
Uno de los ejes fundamentales dentro del marco general de gesti\u00f3n de riesgo de liquidez y financiaci\u00f3n consiste en mantener un
buffer de liquidez constituido por activos l\u00edquidos de alta calidad libres de cargas, que se puedan vender u ofrecer como garant\u00eda para
obtener financiaci\u00f3n, tanto en condiciones normales de mercado, como en situaciones de estr\u00e9s.
Finanzas es la unidad encargada de la gesti\u00f3n del colateral y determinaci\u00f3n del buffer de liquidez dentro del Grupo BBVA. De acuerdo
con el principio de autosuficiencia financiera de las filiales del Grupo, cada UGL es responsable de mantener un colch\u00f3n de activos
l\u00edquidos que cumpla con los requerimientos regulatorios que sean de aplicaci\u00f3n en cada legislaci\u00f3n. Adem\u00e1s, el buffer de liquidez de
cada UGL debe estar en consonancia con la tolerancia al riesgo de liquidez y financiaci\u00f3n, y con los l\u00edmites de gesti\u00f3n fijados y
aprobados en cada caso que se derivan del mismo.
En este sentido se promueve la resistencia a corto plazo del perfil de riesgo de liquidez, garantizando que cada UGL disponga de
colateral suficiente para hacer frente al riesgo de cierre de los mercados mayoristas. La capacidad b\u00e1sica es la m\u00e9trica interna de
gesti\u00f3n y control del riesgo de liquidez a corto plazo, que se define como la relaci\u00f3n entre los activos expl\u00edcitos disponibles y los
vencimientos de pasivos mayoristas y recursos vol\u00e1tiles, a diferentes plazos temporales hasta el a\u00f1o, con especial relevancia a los de
30 y 90 d\u00edas, con el objetivo de preservar el periodo de supervivencia por encima de 3 meses con el buffer disponible, sin considerar
los inflows del balance.
Como elemento fundamental del esquema de seguimiento del riesgo de liquidez y financiaci\u00f3n se realizan los an\u00e1lisis de estr\u00e9s. Estos
an\u00e1lisis permiten anticipar desviaciones respecto a los objetivos de liquidez y l\u00edmites establecidos en el apetito, y establecer rangos
de tolerancia en diferentes ejes de gesti\u00f3n. Asimismo, desempe\u00f1an un papel primordial en el dise\u00f1o del Plan de Contingencia de
Liquidez y en la definici\u00f3n de medidas de actuaci\u00f3n concretas para reconducir el perfil de riesgo.
Para cada uno de los escenarios se contrasta si BBVA dispone de stock suficiente de activos l\u00edquidos que garantice la capacidad de
hacer frente a los compromisos/salidas de liquidez en los distintos per\u00edodos analizados. En el desarrollo del an\u00e1lisis se consideran
cuatro escenarios: uno central y tres de crisis (crisis sist\u00e9mica; crisis interna sobrevenida, con sensible disminuci\u00f3n del rating y/o que
afecte a la capacidad de emitir en mercados mayoristas y a la percepci\u00f3n del riesgo de negocio por parte de los intermediarios
bancarios y los clientes del BBVA; y escenario mixto, como una combinaci\u00f3n de los dos anteriores). Cada escenario considera los
siguientes factores: la liquidez existente en el mercado, el comportamiento de los clientes y las fuentes de financiaci\u00f3n, el impacto de
las bajadas de rating, los valores de mercado de activos l\u00edquidos y colaterales y la interacci\u00f3n entre los requerimientos de liquidez y la
evoluci\u00f3n de la calidad crediticia de BBVA.
De los ejercicios de estr\u00e9s llevados a cabo peri\u00f3dicamente por GRM se desprende que BBVA mantiene un colch\u00f3n de activos l\u00edquidos
suficiente para hacer frente a las salidas de liquidez estimadas en un escenario resultante de la combinaci\u00f3n de una crisis sist\u00e9mica y
una crisis interna, durante un periodo en general por encima de 3 meses para las distintas UGL (incluida Turqu\u00eda que ha cerrado el
a\u00f1o por encima de 6 meses), incluyendo en el escenario una sensible disminuci\u00f3n del rating del BBVA de hasta tres escalones
(\u201cnotches\u201d).
Junto con los resultados de los ejercicios de estr\u00e9s y las m\u00e9tricas de riesgo, los indicadores adelantados (Early Warning Indicators)
desempe\u00f1an un papel importante dentro del modelo corporativo y tambi\u00e9n del Plan de Contingencia de Liquidez. Se trata
principalmente de indicadores de estructura de financiaci\u00f3n, en relaci\u00f3n al asset encumbrance, concentraci\u00f3n de contrapartidas,
salidas de dep\u00f3sitos de clientes, uso inesperado de l\u00edneas de cr\u00e9dito, y de mercado, que ayudan a anticipar los posibles riesgos y a
captar las expectativas del mercado.
Finanzas es la unidad encargada de la elaboraci\u00f3n, seguimiento, ejecuci\u00f3n y actualizaci\u00f3n del plan de liquidez y financiaci\u00f3n y de la
estrategia de acceso a mercado en \u00e9l contenida, con el objetivo de garantizar y favorecer la estabilidad y diversificaci\u00f3n de las fuentes
de financiaci\u00f3n mayorista.
Con objeto de implementar y establecer una gesti\u00f3n con car\u00e1cter anticipatorio, anualmente se establecen l\u00edmites sobre las m\u00e9tricas
de gesti\u00f3n principales que forman parte del proceso presupuestario del plan de liquidez y financiaci\u00f3n. En este sentido, este marco de
l\u00edmites contribuye a la planificaci\u00f3n del comportamiento evolutivo conjunto de:
\u2013La inversi\u00f3n crediticia, considerando la tipolog\u00eda de activos y su grado de liquidez, as\u00ed como su validez como garant\u00eda en
financiaciones colateralizadas.
\u2013Los recursos estables de clientes, a partir de la aplicaci\u00f3n de metodolog\u00eda para establecer qu\u00e9 segmentos y saldos de
clientes tienen la consideraci\u00f3n de recursos estables o vol\u00e1tiles sobre la base del principio de sostenibilidad y recurrencia
de estos fondos.
\u2013La proyecci\u00f3n del Gap de Cr\u00e9dito, con el objetivo de requerir un grado de autofinanciaci\u00f3n que queda definido en t\u00e9rminos
de la diferencia entre la inversi\u00f3n crediticia y los recursos estables de clientes.
\u2013Incorporando planificaci\u00f3n de carteras de t\u00edtulos en el banking book, que incluyen tanto t\u00edtulos de renta fija como renta
variable, y clasificadas como activos financieros a valor razonable con cambios en otro resultado global y a coste
amortizado; y adicionalmente sobre las carteras de negociaci\u00f3n.
\u2013La proyecci\u00f3n del Gap estructural, como resultado de evaluar las necesidades de financiaci\u00f3n tanto generadas a partir del
Gap de Cr\u00e9dito como por la cartera de t\u00edtulos en el banking book, junto con el resto de necesidades de financiaci\u00f3n
mayorista en balance, excluyendo las carteras de negociaci\u00f3n. Por tanto, este Gap ha de ser financiado con recursos de
clientes que no sean considerados estables o en los mercados mayoristas.
Como consecuencia de estas necesidades de financiaci\u00f3n, el Grupo BBVA planifica en cada UGL la estructura de financiaci\u00f3n
mayorista objetivo acorde a la tolerancia fijada.
Por lo tanto, una vez identificado el Gap estructural y, por ende, la apelaci\u00f3n necesaria a los mercados mayoristas, se establece el
importe y la composici\u00f3n de la financiaci\u00f3n estructural mayorista en los ejercicios siguientes, con la finalidad de mantener un mix de
financiaci\u00f3n diversificado garantizando que no exista una elevada dependencia de la financiaci\u00f3n a corto plazo (financiaci\u00f3n
mayorista de corto plazo m\u00e1s los recursos vol\u00e1tiles de clientes).
En la pr\u00e1ctica, la ejecuci\u00f3n de los principios de planificaci\u00f3n y de autofinanciaci\u00f3n en las distintas UGL fomenta que la principal fuente
de financiaci\u00f3n del Grupo sean los dep\u00f3sitos de la clientela, que consisten principalmente en cuentas a la vista, cuentas de ahorro y
dep\u00f3sitos a plazo.
Como fuentes de financiaci\u00f3n, complementan a los dep\u00f3sitos de la clientela, el acceso al mercado interbancario y a los mercados de
capitales dom\u00e9stico e internacional para adecuar los requerimientos de liquidez adicionales, implementando programas nacionales e
internacionales para la emisi\u00f3n de papel comercial y de deuda a medio y largo plazo.
Todo este proceso de an\u00e1lisis y evaluaci\u00f3n de la situaci\u00f3n de liquidez y financiaci\u00f3n y de los riesgos inherentes, se realiza de forma
continua en el Grupo BBVA y participan todas las \u00e1reas del Grupo involucradas en la gesti\u00f3n del riesgo de liquidez y financiaci\u00f3n.
Dicho proceso, que se desarrolla tanto en el \u00e1mbito local como en el \u00e1mbito corporativo, est\u00e1 incorporado en el desarrollo de toma de
decisiones de la gesti\u00f3n de la liquidez y financiaci\u00f3n y existe una integraci\u00f3n entre la estrategia y la fijaci\u00f3n de Apetito de Riesgo con el
proceso de planificaci\u00f3n, el plan de financiaci\u00f3n y el esquema de l\u00edmites.
7.5.3Evoluci\u00f3n de la liquidez y financiaci\u00f3n
El Grupo BBVA mantiene una estructura de financiaci\u00f3n robusta y diversificada con car\u00e1cter claramente minorista, donde los
recursos de clientes representan la principal fuente de financiaci\u00f3n.
Durante el ejercicio 2022, en un entorno de mayor incertidumbre, las condiciones de liquidez se han mantenido holgadas en todos los
pa\u00edses donde opera el Grupo BBVA. Cabe se\u00f1alar que la guerra en Ucrania no ha tenido un impacto significativo en la situaci\u00f3n de
liquidez y financiaci\u00f3n de las unidades del Grupo BBVA.
El comportamiento de los indicadores de liquidez y financiaci\u00f3n refleja que se ha mantenido la robustez en la estructura de
financiaci\u00f3n durante los ejercicios 2022, 2021 y 2020, en el sentido de que todas las UGL mantienen niveles de autofinanciaci\u00f3n con
recursos estables de clientes por encima de lo exigido.
LtSCD por UGL
2022
2021
2020
Grupo (media ponderada)
96 %
95 %
95 %
BBVA, S.A.
98 %
98 %
97 %
BBVA M\u00e9xico
98 %
93 %
98 %
Garanti BBVA
83 %
81 %
95 %
Resto UGL
96 %
93 %
86 %
Respecto al LCR, el Grupo BBVA ha mantenido a lo largo de 2022 un buffer de liquidez tanto a nivel consolidado como individual que
le ha permitido mantener dicha ratio holgadamente por encima de 100%, situ\u00e1ndose la ratio consolidada a diciembre de 2022 en un
159%.
Aunque este requerimiento solo se establece para nivel Grupo y bancos de la eurozona, en todas las filiales se supera ampliamente el
m\u00ednimo exigido.
Destacar que en la construcci\u00f3n del LCR Consolidado no se asume transferibilidad de liquidez entre las filiales, por lo tanto, ning\u00fan
exceso de liquidez se traslada desde dichas entidades en el extranjero a la ratio consolidada.
De considerarse el impacto de estos activos altamente l\u00edquidos excluidos, el LCR se situar\u00eda en 201%, es decir 42 puntos porcentuales
por encima del LCR del Grupo.
LCR principales UGL
0
2022
2021
2020
Grupo
159 %
165 %
149 %
BBVA, S.A.
186 %
190 %
173 %
BBVA M\u00e9xico
199 %
245 %
196 %
Garanti BBVA
185 %
211 %
183 %
Uno de los elementos clave en la gesti\u00f3n de la liquidez y financiaci\u00f3n en el Grupo BBVA es el objetivo del mantenimiento de unos
amplios colchones de liquidez de alta calidad en todas las \u00e1reas geogr\u00e1ficas.
Cada entidad mantiene un s\u00f3lido buffer de liquidez a nivel individual, tanto para BBVA, S.A., como para cada de una de las filiales,
incluyendo, BBVA M\u00e9xico, Garanti BBVA y las filiales latinoamericanas.
En este sentido, el Grupo ha mantenido durante los \u00faltimos 12 meses un volumen medio de activos l\u00edquidos de alta calidad (HQLA, por
sus siglas en ingl\u00e9s) de 140.252 millones de euros, de los cuales el 95% se corresponden a los activos de m\u00e1xima calidad (nivel 1 en el
LCR).
La siguiente tabla muestra la liquidez disponible por instrumentos a 31 de diciembre de 2022, 2021 y 2020 de las unidades m\u00e1s
significativas basada en la informaci\u00f3n prudencial supervisora (Reglamento de Ejecuci\u00f3n de la Comisi\u00f3n (UE) 2017/2114 de 9 de
noviembre de 2017):
Liquidez disponible por instrumentos (Millones de euros)
BBVA, S.A.
BBVA M\u00e9xico
Garanti BBVA
Otros
2022
2021
2020
2022
2021
2020
2022
2021
2020
2022
2021
2020
Caja y reservas disponibles en
bancos centrales
48.271
35.258
39.330
12.865
12.146
8.930
6.731
8.179
6.153
5.265
6.469
6.831
Activos negociables de Nivel 1
33.081
37.272
48.858
13.974
13.881
9.205
9.165
5.549
7.019
7.836
6.036
6.237
Activos negociables de Nivel 2A
3.450
5.234
5.119
47
74
106
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Activos negociables de Nivel 2B
3.471
9.492
6.080
35
28
11
\u2014
\u2014
\u2014
1
2
\u2014
Otros activos negociables
22.708
27.870
20.174
467
343
421
285
722
701
1.035
934
745
Activos no negociables elegibles
por bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Capacidad de
contrabalance acumulada
110.981
115.127
119.560
27.388
26.472
18.672
16.181
14.449
13.873
14.136
13.440
13.814
Diciembre 2022 Salidas - Vencimientos residuales contractuales (Millones de euros)
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
PASIVO
Emisiones y certificados de
dep\u00f3sito
\u2014
1.841
4.434
1.050
3.148
2.017
6.318
9.423
13.282
18.145
59.658
Dep\u00f3sitos de entidades de
cr\u00e9dito
2.176
7.885
628
806
56
694
648
211
396
399
13.899
Dep\u00f3sitos de otras
instituciones financieras
7.392
5.760
1.465
464
379
758
700
293
594
727
18.532
Financiaciones del resto de
la clientela
302.667
38.951
18.542
6.776
2.575
2.870
1.476
1.276
798
273
376.203
Financiaciones con colateral
de valores
\u2014
51.638
14.543
17.736
866
1.503
8.136
1.524
3.493
575
100.013
Derivados, neto
\u2014
(253)
24
(1.010)
(23)
175
40
(153)
(466)
(3.717)
(5.383)
Diciembre 2021 Entradas - Vencimientos residuales contractuales (Millones de euros)
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
ACTIVO
Efectivo, saldos en efectivo
en bancos centrales y otros
dep\u00f3sitos a la vista
39.761
24.598
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
64.359
Pr\u00e9stamos y anticipos a
entidades de cr\u00e9dito
\u2014
3.781
400
790
373
299
211
166
8
26
6.056
Pr\u00e9stamos a otras
instituciones financieras
2
901
801
584
727
432
694
470
261
469
5.343
Adquisiciones temporales de
valores y pr\u00e9stamos de
valores (tomador)
\u2014
33.856
11.611
2.945
1.063
1.692
2.188
2.239
1.118
739
57.451
Pr\u00e9stamos
174
18.531
23.185
22.141
11.769
13.782
39.656
30.049
44.508
94.780
298.574
Liquidaci\u00f3n de cartera de
valores
10
1.779
3.606
3.395
2.333
3.958
18.854
13.135
17.214
47.331
111.614
Diciembre 2021 Salidas - Vencimientos residuales contractuales (Millones de euros)
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
PASIVO
Emisiones y certificados de
dep\u00f3sito
\u2014
3.065
1.077
3.498
2.914
1.885
9.477
4.931
12.332
19.991
59.169
Dep\u00f3sitos de entidades de
cr\u00e9dito
1.936
4.257
415
825
183
924
496
146
146
579
9.907
Dep\u00f3sitos de otras
instituciones financieras
8.894
2.728
1.700
382
289
227
578
231
337
722
16.087
Financiaciones del resto de
la clientela
281.812
28.806
11.814
4.867
1.717
1.520
1.740
578
863
416
334.132
Financiaciones con colateral
de valores
\u2014
52.437
6.858
2.485
1.513
8.252
29.954
5.527
4.755
1.490
113.269
Derivados, neto
(33)
(395)
(176)
(326)
(66)
(641)
100
(122)
(155)
(66)
(1.880)
Diciembre 2020 Entradas - Vencimientos residuales contractuales (Millones de euros) \u207d\u00b9\u207e
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
ACTIVO
Efectivo, saldos en efectivo
en bancos centrales y otros
dep\u00f3sitos a la vista
42.518
32.741
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
75.258
Pr\u00e9stamos y anticipos a
entidades de cr\u00e9dito
\u2014
3.616
677
921
356
461
117
120
2
39
6.309
Pr\u00e9stamos a otras
instituciones financieras
\u2014
2.202
855
797
734
543
1.251
721
515
500
8.119
Adquisiciones temporales de
valores y pr\u00e9stamos de
valores (tomador)
\u2014
20.033
4.757
1.351
364
368
3.320
1.849
891
1.089
34.021
Pr\u00e9stamos
279
16.939
24.280
23.012
15.579
17.032
46.182
38.851
51.709
110.173
344.036
Liquidaci\u00f3n de cartera de
valores
\u2014
3.896
6.680
6.557
5.084
13.014
9.858
15.494
17.231
50.045
127.859
(1) Los saldos incluyen las sociedades del Grupo que estaban en Estados Unidos (ver Notas 3 y 21).
Diciembre 2020 Salidas - Vencimientos residuales contractuales (Millones de euros) \u207d\u00b9\u207e
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
PASIVO
Emisiones y certificados de
dep\u00f3sito
\u2014
4.750
2.618
3.963
1.283
1.543
10.573
7.505
12.793
23.839
68.868
Dep\u00f3sitos de entidades de
cr\u00e9dito
8.838
7.859
254
741
152
726
825
189
166
371
20.120
Dep\u00f3sitos de otras
instituciones financieras
12.735
4.324
2.694
588
353
272
957
337
459
870
23.589
Financiaciones del resto de
la clientela
308.360
39.978
13.416
6.808
4.526
4.366
3.361
1.213
869
799
383.694
Financiaciones con colateral
de valores
\u2014
41.239
5.301
1.643
1.192
368
11.304
28.510
3.740
1.516
94.812
Derivados, neto
\u2014
(722)
15
(961)
(85)
134
(400)
(157)
(264)
(159)
(2.599)
(1) Los saldos incluyen las sociedades del Grupo que estaban en Estados Unidos (ver Notas 3 y 21).
Respecto a la estructura de financiaci\u00f3n, la cartera de pr\u00e9stamos se encuentra en su mayor parte financiada por dep\u00f3sitos
minoristas. El tramo a la vista de las salidas contiene principalmente las cuentas corrientes de clientes retail cuyo comportamiento ha
mostrado hist\u00f3ricamente una elevada estabilidad y baja concentraci\u00f3n. Sobre la base de un an\u00e1lisis comportamental que se lleva a
cabo anualmente en cada una de las entidades, este tipo de cuentas se consideran estables y a los efectos de riesgo de liquidez
reciben un mejor tratamiento.
Los aspectos m\u00e1s destacados para las principales \u00e1reas geogr\u00e1ficas son los siguientes:
\u2013En BBVA, S.A. se ha mantenido una holgada posici\u00f3n de liquidez. Durante el ejercicio 2022, la actividad comercial ha generado
liquidez debido a un crecimiento de los dep\u00f3sitos de clientes por encima del de la inversi\u00f3n crediticia, especialmente en el
\u00faltimo trimestre. El Banco ha iniciado en diciembre la devoluci\u00f3n del programa TLTRO III por un importe de aproximadamente
12.000 millones de euros, correspondientes aproximadamente a una tercera parte del total dispuesto. Por otro lado, con la
finalidad de mantener suficiente colateral disponible en todo momento, se han realizado emisiones de c\u00e9dulas hipotecarias y
territoriales por importe de 2.000 millones de euros, retenidas en autocartera. Asimismo, se han realizado titulizaciones
hipotecarias retenidas en autocartera generando colateral por importe de 4.400 millones de euros.
\u2013En BBVA M\u00e9xico, la actividad comercial ha drenado liquidez durante 2022 debido a un crecimiento de la actividad crediticia
superior a la de los recursos. A pesar de esto, BBVA M\u00e9xico contin\u00faa presentando una holgada situaci\u00f3n de liquidez, lo que ha
contribuido a una gesti\u00f3n eficiente en el coste de los recursos, en un entorno de tipos crecientes.
\u2013En Turqu\u00eda, en el a\u00f1o 2022, el gap de cr\u00e9dito en moneda local se ha reducido, debido a un mayor crecimiento en dep\u00f3sitos que
en pr\u00e9stamos, y el de moneda extranjera se ha incrementado, por reducciones en los dep\u00f3sitos, derivados del mecanismo de
incentivaci\u00f3n de los dep\u00f3sitos en liras turcas, que han sido parcialmente compensadas por menores pr\u00e9stamos en moneda
extranjera. Garanti BBVA sigue manteniendo una situaci\u00f3n estable de liquidez con unos ratios holgados. Por su parte, el Banco
Central de Turqu\u00eda ha continuado implementando medidas para disminuir la dolarizaci\u00f3n de la econom\u00eda.
\u2013En Am\u00e9rica del Sur, se mantiene una adecuada situaci\u00f3n de liquidez en toda la regi\u00f3n. En Argentina, se sigue incrementando la
liquidez en el sistema y en BBVA por un mayor crecimiento de dep\u00f3sitos que de pr\u00e9stamos en moneda local. En BBVA
Colombia, se observa un mayor crecimiento de la actividad crediticia comparado con el crecimiento de los recursos, pero sin
comprometer la situaci\u00f3n de liquidez del banco debido al aumento de captaciones de dep\u00f3sitos a plazos m\u00e1s largos. BBVA Per\u00fa
mantiene unos s\u00f3lidos niveles de liquidez, gracias al s\u00f3lido crecimiento de dep\u00f3sitos en un entorno de reducci\u00f3n de inversi\u00f3n
crediticia en moneda local debido al vencimiento de pr\u00e9stamos amparados en programas COVID-19. La reciente inestabilidad
pol\u00edtica no est\u00e1 teniendo impactos materiales en t\u00e9rminos de liquidez.
A continuaci\u00f3n se detallan las principales operaciones de financiaci\u00f3n mayorista, llevadas a cabo por las entidades que forman BBVA.
\u2013En relaci\u00f3n a BBVA, S.A. durante el ejercicio 2022 ha realizado una emisi\u00f3n senior no preferente por importe de 1.000 millones
de euros, dos emisiones senior no preferente por importe acumulado de 1.750 millones de d\u00f3lares estadounidenses; seis
emisiones senior preferente por importe acumulado de 4.065 millones de euros; una emisi\u00f3n senior preferente (bono verde)
por 1.250 millones de euros y dos emisiones senior preferente (bono verde) por importe acumulado de 425 millones de francos
suizos. Adicionalmente, en mayo de 2022, se realiz\u00f3 la amortizaci\u00f3n anticipada de las participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (CoCos, por sus siglas en ingl\u00e9s) emitidas por BBVA en mayo de
2017 y en junio de 2022 se complet\u00f3 una titulizaci\u00f3n de pr\u00e9stamos para la financiaci\u00f3n de veh\u00edculos por un importe de 1.200
millones de euros.
\u2013Por su parte, BBVA M\u00e9xico realiz\u00f3 la emisi\u00f3n de un bono sostenible por 10.000 millones de pesos mexicanos (unos 480
millones de euros, aproximadamente), convirti\u00e9ndose as\u00ed en el primer banco privado en realizar una emisi\u00f3n de este tipo en
M\u00e9xico, tomando como referencia la tasa TIIE (Tasa de Inter\u00e9s Interbancaria de Equilibrio utilizada en M\u00e9xico).
\u2013Garanti BBVA renov\u00f3 el 100% de un pr\u00e9stamo sindicado indexado a criterios ambientales, sociales y de gobierno corporativo
que consta de dos tramos separados de 283,5 millones de d\u00f3lares estadounidenses y 290,5 millones de euros, ambos con
vencimiento a un a\u00f1o. Tambi\u00e9n renov\u00f3 la segunda parte de un pr\u00e9stamo sindicado (155 millones de d\u00f3lares estadounidenses y
239 millones de euros) con un ratio del 65% acorde con su estrategia y en l\u00ednea con los bancos del grupo de competidores.
Garanti BBVA tambi\u00e9n realiz\u00f3 una ronda de financiaci\u00f3n sostenible de 75 millones de d\u00f3lares estadounidenses en 2022.
\u2013BBVA Colombia cerr\u00f3 una financiaci\u00f3n con International Finance Corporation (IFC) por 60 millones de d\u00f3lares estadounidenses
a 3 a\u00f1os. Tambi\u00e9n se realiz\u00f3 una operaci\u00f3n de 200 millones de d\u00f3lares estadounidenses a 5 a\u00f1os y otra de 40 millones de
d\u00f3lares estadounidenses a un plazo de 3 a\u00f1os.
7.5.4Activos comprometidos en operaciones de financiaci\u00f3n
Los activos que a 31 de diciembre de 2022, 2021 y 2020 se encuentran comprometidos (aportados como colateral o garant\u00eda con
respecto a ciertos pasivos), y aquellos que se encuentran libres de cargas, se muestran a continuaci\u00f3n:
Activos comprometidos y libres de cargas (millones de euros)
Activos comprometidos
Activos no comprometidos
Valor en libros
Valor razonable
Valor en libros
Valor razonable
2022
2021
2020
2022
2021
2020
2022
2021
2020
2022
2021
2020
Activos
92.916
114.336
121.999
620.257
548.548
614.260
Instrumentos de patrimonio
819
307
2.134
819
307
2.134
11.293
22.280
14.556
11.293
22.280
14.556
Valores representativos de deuda
33.533
31.557
29.379
32.291
29.527
26.112
93.238
89.307
100.108
93.238
89.307
100.108
Pr\u00e9stamos y anticipos y otros
activos
58.563
82.472
90.486
515.726
436.962
499.595
El valor comprometido de \u201cPr\u00e9stamos y otros activos\u201d corresponde principalmente a pr\u00e9stamos vinculados a la emisi\u00f3n de c\u00e9dulas
hipotecarias, c\u00e9dulas territoriales o bonos titulizados a largo plazo (ver Nota 22.4) as\u00ed como a los que sirven de garant\u00eda para acceder
a determinadas operaciones de financiaci\u00f3n con bancos centrales. En cuanto a los valores representativos de deuda e instrumentos
de capital, responden a los subyacentes que son entregados en operaciones de cesi\u00f3n temporal de activos con diferentes tipos de
contrapartidas, principalmente c\u00e1maras de compensaci\u00f3n o entidades de cr\u00e9dito y, en menor medida, bancos centrales. Tambi\u00e9n se
incluyen como activos comprometidos todo tipo de colateral entregado para garantizar la operativa de derivados.
A 31 de diciembre de 2022, 2021 y 2020, las garant\u00edas recibidas principalmente por la operativa de adquisici\u00f3n temporal de activos o
pr\u00e9stamos de valores, y aquellas que podr\u00edan comprometerse en su mayor\u00eda, con el prop\u00f3sito de obtener financiaci\u00f3n se muestran a
continuaci\u00f3n:
Garant\u00edas recibidas (Millones de euros)
Valor razonable de garant\u00edas
recibidas comprometidas o
autocartera emitida
Valor razonable de garant\u00edas
recibidas o autocartera emitida
disponible para comprometer
Valor razonable de garant\u00edas
recibidas o autocartera emitida
no disponible para
comprometer
2022
2021
2020
2022
2021
2020
2022
2021
2020
Garant\u00edas recibidas
40.701
40.905
30.723
9.415
17.029
8.652
1.279
1.719
1.071
Instrumentos de patrimonio
323
289
239
759
265
204
\u2014
\u2014
\u2014
Valores representativos de deuda
40.378
40.616
30.484
8.656
16.764
8.448
1.279
1.719
1.071
Pr\u00e9stamos y otros activos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Autocartera emitida, excepto
c\u00e9dulas hipotecarias territoriales o
bonos titulizados
\u2014
\u2014
3
92
50
94
\u2014
\u2014
\u2014
Las garant\u00edas recibidas en forma de adquisici\u00f3n temporal de activos o pr\u00e9stamo de valores se comprometen mediante su utilizaci\u00f3n
en operaciones de cesi\u00f3n temporal de activos, al igual que se hace con los valores representativos de deuda.
A 31 de diciembre de 2022, 2021 y 2020, el conjunto de los pasivos financieros emitidos asociados a los diferentes activos
comprometidos en operaciones financieras, as\u00ed como la valoraci\u00f3n contable de estos \u00faltimos, se muestran a continuaci\u00f3n:
Activos comprometidos / garant\u00edas recibidas y pasivos asociados (Millones de euros)
Pasivos cubiertos, pasivos contingentes o t\u00edtulos
cedidos
Activos, garant\u00edas recibidas y autocartera
emitida, excepto c\u00e9dulas hipotecarias y bonos
titulizados comprometidos
2022
2021
2020
2022
2021
2020
Valor en libros de dichos pasivos
fuentes de pignoraci\u00f3n
122.400
137.242
131.352
128.628
151.275
147.523
Derivados
15.950
15.368
16.611
16.699
15.191
16.348
Dep\u00f3sitos
95.728
109.311
98.668
99.077
120.957
111.726
Emisiones
10.722
12.563
16.073
12.852
15.127
19.449
Otras fuentes de pignoraci\u00f3n
731
620
653
4.989
3.966
5.202
Valor razonable de instrumentos financieros
Modelo de gobierno y control
El proceso de determinaci\u00f3n del valor razonable establecido en el Grupo asegura que los activos y pasivos financieros son valorados
conforme a los criterios de valor razonable definidos en NIIF 13 que lo define como precio que ser\u00eda recibido al vender un activo o
pagado al transferir un pasivo en una transacci\u00f3n ordenada entre participantes del mercado activo o mercado m\u00e1s ventajoso a la
fecha de valoraci\u00f3n.
BBVA ha establecido - a nivel de \u00e1reas geogr\u00e1ficas - una estructura de Comit\u00e9s de Admisi\u00f3n de Riesgo Operacional y Gobierno de
Producto encargados de validar y aprobar los nuevos productos o clases de activos y pasivos antes de su contrataci\u00f3n y de los que
son miembros integrantes las \u00e1reas locales, independientes del negocio, responsables de su valoraci\u00f3n (ver Informe de Gesti\u00f3n -
Riesgos).
Es obligaci\u00f3n de estas \u00e1reas asegurar, como paso previo a su aprobaci\u00f3n, la existencia tanto de capacidades t\u00e9cnicas y humanas,
como de fuentes de informaci\u00f3n adecuadas para valorar dichos activos y pasivos, de acuerdo con los criterios establecidos por el
\u00c1rea Global de valoraci\u00f3n y utilizando los modelos validados y aprobados por las \u00e1reas responsables cumpliendo con la gobernanza
de modelos oficial del Grupo BBVA.
Jerarqu\u00eda de valor razonable
Todos los instrumentos financieros, tanto de activo como de pasivo, se reconocen inicialmente por su valor razonable que, en ese
primer momento, equivale al precio de la transacci\u00f3n, salvo que exista evidencia de lo contrario en un mercado activo.
Posteriormente, y dependiendo de la naturaleza del instrumento financiero, \u00e9ste puede continuar registr\u00e1ndose a coste amortizado o
a valor razonable mediante ajustes en la cuenta de p\u00e9rdidas y ganancias consolidada o en patrimonio neto consolidado.
En la medida de lo posible, el valor razonable se determina como el precio de mercado del instrumento financiero. No obstante, para
muchos de los activos y pasivos financieros del Grupo, especialmente en el caso de los derivados, no existe un precio de mercado
disponible, por lo que hay que recurrir a estimar su valor razonable a trav\u00e9s de transacciones recientes de instrumentos an\u00e1logos y,
en su defecto, a trav\u00e9s de modelos matem\u00e1ticos de valoraci\u00f3n suficientemente contrastados por la comunidad financiera
internacional. En la utilizaci\u00f3n de estos modelos se tienen en consideraci\u00f3n las peculiaridades espec\u00edficas del activo o pasivo a valorar
y, muy especialmente, los distintos tipos de riesgos que el activo o pasivo lleva asociados. No obstante lo anterior, las propias
limitaciones de los modelos de valoraci\u00f3n desarrollados y las posibles inexactitudes en las hip\u00f3tesis y par\u00e1metros exigidos por estos
modelos pueden dar lugar a que el valor razonable estimado de un activo o pasivo financiero no coincida exactamente con el precio al
que el activo o pasivo podr\u00eda ser entregado o liquidado en la fecha de su valoraci\u00f3n.
Adicionalmente, para activos o pasivos financieros en los que se detecten elementos de incertidumbre relevante en los inputs o
par\u00e1metros de los modelos utilizados que puedan afectar a su valoraci\u00f3n, se establecen criterios para medir dicha incertidumbre y se
fijan l\u00edmites a la actividad en base a ellos. Por \u00faltimo, y en la medida de lo posible, las valoraciones as\u00ed obtenidas se contrastan con
otras fuentes como pueden ser las propias valoraciones obtenidas por los equipos de negocio o las de otros participantes del
mercado.
El proceso de determinaci\u00f3n del valor razonable requiere la clasificaci\u00f3n de todos los activos y pasivos financieros en funci\u00f3n de su
metodolog\u00eda de valoraci\u00f3n, que se definen a continuaci\u00f3n:
\u2013Nivel 1: Valoraci\u00f3n utilizando directamente la propia cotizaci\u00f3n del instrumento financiero, observable y disponible en
fuentes de precios independientes y referidos a mercados activos accesibles por la entidad en la fecha de valoraci\u00f3n. Se
incluyen en este nivel valores representativos de deuda cotizados, instrumentos de capital cotizados as\u00ed como ciertos
derivados.
\u2013Nivel 2: Valoraci\u00f3n mediante la aplicaci\u00f3n de t\u00e9cnicas de valoraci\u00f3n com\u00fanmente aceptadas que utilizan variables
obtenidas de datos observables en el mercado.
\u2013Nivel 3: Valoraci\u00f3n mediante t\u00e9cnicas de valoraci\u00f3n en las que se utilizan variables significativas que no son obtenidas de
datos observables en el mercado. A 31 de diciembre de 2022, los instrumentos financieros a valor razonable clasificados en
nivel 3 representaban, aproximadamente, el 0,57% de los activos financieros y el 0,43% de los pasivos financieros. La
elecci\u00f3n y validaci\u00f3n de los modelos de valoraci\u00f3n utilizados se realiz\u00f3 por unidades de control independientes de las \u00e1reas
de negocio.
Valor razonable de los instrumentos financieros
A continuaci\u00f3n, se presenta el valor razonable de los instrumentos financieros del Grupo de los balances consolidados adjuntos y su
correspondiente valor en libros a 31 de diciembre de 2022, 2021 y 2020:
Valor razonable y valor en libros (Millones de euros)
2022
2021
2020
Notas
Valor en
libros
Valor
razonable
Valor en
libros
Valor
razonable
Valor en
libros
Valor
razonable
ACTIVOS
Efectivo, saldos en efectivo en bancos
centrales y otros dep\u00f3sitos a la vista
9
79.756
79.756
67.799
67.799
65.520
65.520
Activos financieros mantenidos para negociar
10
110.671
110.671
123.493
123.493
105.878
105.878
Activos financieros no destinados a
negociaci\u00f3n valorados obligatoriamente a
valor razonable con cambios en resultados
11
6.888
6.888
6.086
6.086
5.198
5.198
Activos financieros designados a valor
razonable con cambios en resultados
12
913
913
1.092
1.092
1.117
1.117
Activos financieros a valor razonable con
cambios en otro resultado global
13
58.980
58.980
60.421
60.421
69.440
69.440
Activos financieros a coste amortizado
14
422.061
419.060
372.676
377.451
367.668
374.267
Derivados - Contabilidad de coberturas
15
1.891
1.891
1.805
1.805
1.991
1.991
PASIVOS
Pasivos financieros mantenidos para negociar
10
95.611
95.611
91.135
91.135
84.109
84.109
Pasivos financieros designados a valor
razonable con cambios en resultados
12
10.580
10.580
9.683
9.683
10.050
10.050
Pasivos financieros a coste amortizado
22
528.629
525.052
487.893
488.733
490.606
491.006
Derivados - Contabilidad de coberturas
15
3.303
3.303
2.626
2.626
2.318
2.318
No todos los activos y pasivos financieros est\u00e1n contabilizados a valor razonable, por lo que se desglosa la informaci\u00f3n referida a los
instrumentos financieros contabilizados a valor razonable y posteriormente la referida a los contabilizados a coste amortizado de los
que tambi\u00e9n se proporciona su valor razonable, aunque no se utilice para su registro en balance.
8.1.1Valor razonable de los instrumentos financieros contabilizados a valor razonable, seg\u00fan criterios de
valoraci\u00f3n
A continuaci\u00f3n, se presentan los diferentes elementos utilizados en la valoraci\u00f3n de instrumentos financieros.
Mercado activo
En general, BBVA considera como mercado activo aquel que permite la observaci\u00f3n de precios de oferta y demanda representativos
de los niveles a los que uno o m\u00e1s participantes estar\u00edan dispuestos a negociar un determinado activo, con la suficiente frecuencia y
volumen diario.
Adicionalmente, el Grupo BBVA asimilar\u00e1 a los precios de los mercados organizados aquellos provenientes de mercados OTC (over-
the-counter), obtenidos a trav\u00e9s de fuentes independientes con frecuencia al menos diaria, y que cumplan con ciertos requisitos.
La siguiente tabla presenta los instrumentos financieros registrados en los balances consolidados adjuntos, desglosados seg\u00fan el
m\u00e9todo de valoraci\u00f3n utilizado en la estimaci\u00f3n de su valor razonable a 31 de diciembre de 2022, 2021 y 2020:
Valor razonable de los instrumentos financieros por niveles (Millones de euros)
2022
2021
2020
Nivel 1
Nivel 2
Nivel 3
Nivel 1
Nivel 2
Nivel 3
Nivel 1
Nivel 2
Nivel 3
ACTIVOS
Activos financieros mantenidos para negociar
22.710
85.636
2.325
32.371
87.736
3.386
32.555
71.938
1.386
Instrumentos de patrimonio
4.369
\u2014
34
15.925
\u2014
37
11.367
31
60
Valores representativos de deuda
16.284
7.934
148
11.877
13.725
189
12.790
11.123
57
Pr\u00e9stamos y anticipos
1.262
39.562
1.169
615
47.279
2.913
2.379
26.741
1.148
Derivados
795
38.140
974
3.954
26.732
247
6.019
34.043
121
Activos financieros no destinados a negociaci\u00f3n
valorados obligatoriamente a valor razonable con
cambios en resultados
5.720
151
1.017
4.378
522
1.186
3.826
381
992
Instrumentos de patrimonio
5.457
40
1.014
4.158
394
751
3.612
57
465
Valores representativos de deuda
19
111
\u2014
\u2014
128
\u2014
4
324
28
Pr\u00e9stamos y anticipos
245
\u2014
3
220
\u2014
435
210
\u2014
499
Activos financieros designados a valor razonable
con cambios en resultados
913
\u2014
\u2014
916
176
\u2014
939
178
\u2014
Pr\u00e9stamos y anticipos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Valores representativos de deuda
913
\u2014
\u2014
916
176
\u2014
939
178
\u2014
Instrumentos de patrimonio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Activos financieros a valor razonable con cambios
en otro resultado global
48.235
10.237
508
52.157
7.545
719
60.976
7.866
598
Instrumentos de patrimonio
1.040
58
100
1.178
36
106
961
34
105
Valores representativos de deuda
47.169
10.179
408
50.952
7.509
613
59.982
7.832
493
Pr\u00e9stamos y anticipos
26
\u2014
\u2014
27
\u2014
\u2014
33
\u2014
\u2014
Derivados - Contabilidad de coberturas
4
1.887
\u2014
63
1.733
9
120
1.862
8
PASIVOS
Pasivos financieros mantenidos para negociar
20.611
73.871
1.129
26.215
64.305
615
27.587
56.127
395
Derivados
746
36.161
1.002
4.755
26.560
389
7.402
34.046
232
Posiciones cortas de valores
13.354
133
\u2014
15.124
11
\u2014
11.805
504
3
Dep\u00f3sitos
6.511
37.577
127
6.335
37.733
226
8.381
21.577
159
Pasivos financieros designados a valor razonable
con cambios en resultados
\u2014
8.990
1.590
1
8.243
1.439
\u2014
8.558
1.492
Dep\u00f3sitos de la clientela
\u2014
700
\u2014
\u2014
809
\u2014
\u2014
902
\u2014
D\u00e9bitos representados por valores negociables
\u2014
1.698
1.590
1
1.956
1.439
\u2014
3.038
1.492
Otros pasivos financieros
\u2014
6.592
\u2014
\u2014
5.479
\u2014
\u2014
4.617
\u2014
Derivados - Contabilidad de coberturas
100
3.179
25
53
2.573
\u2014
53
2.250
15
A continuaci\u00f3n se presentan los principales m\u00e9todos de valoraci\u00f3n, hip\u00f3tesis e inputs utilizados en la estimaci\u00f3n del valor razonable
de los instrumentos financieros contabilizados a valor razonable clasificados en los Niveles 2 y 3, seg\u00fan el tipo de instrumento
financiero de que se trate, y los correspondientes saldos a 31 de diciembre de 2022, 2021 y 2020:
Instrumentos financieros registrados a valor razonable por niveles (Millones de euros)
2022
2021
2020
Nivel 2
Nivel 3
Nivel 2
Nivel 3
Nivel 2
Nivel 3
T\u00e9cnicas de valoraci\u00f3n
Principales inputs observables
Principales inputs no observables
ACTIVOS
Activos financieros mantenidos para
negociar
85.636
2.325
87.736
3.386
71.938
1.386
Instrumentos de patrimonio
\u2014
34
\u2014
37
31
60
Precios activos similares (Precios
observados en mercado de activos
similares)
Valor actual neto
- Cotizaciones brokers
- Operaciones mercado
- Valores liquidativos publicados por gestoras
- NAV del administrador de fondos
Valores representativos de deuda
7.934
148
13.725
189
11.123
57
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
Precios observados en mercados no activos
o de activos similares
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Precios de mercado no activos
- Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
Pr\u00e9stamos y anticipos
39.562
1.169
47.279
2.913
26.741
1.148
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Tipos de inter\u00e9s de financiaci\u00f3n de activos
observados en mercado o en servicios de
consenso.
- Tipos de cambio.
-Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
- Tipos de inter\u00e9s de financiaci\u00f3n de
activos\u00a0 no observados en mercado o
en servicios de consenso.
Derivados
38.140
974
26.732
247
34.043
121
Tipo de inter\u00e9s
Productos lineales de tipos de inter\u00e9s
(Interest rate swaps, Call money swaps y
FRA): Descuento de flujos.
Caps/Floors: Black 76, Hull-White y SABR
Opciones sobre bonos: Black 76
Swaptions: Black 76, Hull-White y LGM
Otras opciones de tipos de inter\u00e9s: Black,
Hull-White, SABR y Libor Market Model
Constant maturity swaps:SABR
- Tipos de cambio
-\u00a0 Precios futuros cotizados en mercado o en
servicios de consenso
-\u00a0 Tipos de inter\u00e9s mercado
-\u00a0 Precios activos Subyacentes: acciones;
fondos; commodities
-\u00a0 Volatilidades observadas en mercado o en
servicios de consenso
-\u00a0 Niveles de spread de cr\u00e9dito de emisores
-\u00a0 Dividendos cotizados o de consenso
-\u00a0 Correlaciones cotizadas en mercado o
tomadas de servicios de consenso
- Beta
- Correlaciones impl\u00edcitas entre tenors
- Volatilidades Tipos de Inter\u00e9s
Instrumentos de patrimonio
Futuros y forwards de renta variable:
Descuento de flujos
Opciones renta variable: volatilidad local,
Ajuste de momentos y Heston
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo plazo
- Dividendos impl\u00edcitos\u00a0 y tipos repo a
largo plazo
Divisas y oro
Futuros y forwards de renta variable:
Descuento de flujos
Opciones de tipo de cambio: volatilidad
local, ajuste de momentos
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo plazo
Cr\u00e9dito
Derivados cr\u00e9dito: Intensidad de default y
C\u00f3pula Gaussiana
- Correlaci\u00f3n de impago
- Spreads de cr\u00e9dito
- Tasas de recuperaci\u00f3n
- Curvas de tipo de inter\u00e9s
- Volatilidad de impago
Materias primas
Materias primas: Descuento de flujos y
ajuste de momentos;
Activos financieros no destinados a
negociaci\u00f3n valorados obligatoriamente a
valor razonable con cambios en resultados
151
1.017
522
1.186
381
992
Instrumentos de patrimonio
40
1.014
394
751
57
465
Precios activos similares (Precios
observados en mercado de activos
similares)
Valor actual neto
- Cotizaciones brokers
- Operaciones mercado
- Valores liquidativos publicados por gestoras
- NAV del administrador de fondos
Valores representativos de deuda
111
\u2014
128
\u2014
324
28
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
Pr\u00e9stamos y anticipos
\u2014
3
\u2014
435
\u2014
499
Criterios espec\u00edficos de liquidaci\u00f3n de
p\u00e9rdidas contempladas en Protocolo EPA
PD y LGD de modelos internos, tasaciones y
criterios espec\u00edficos Protocolo EPA
Descuento de flujos de caja futuros
- Tasas de prepago
- Plan de negocio del activo subyacente,
WACC, Hip\u00f3tesis Macro
- Valoraci\u00f3n inmobiliaria
Activos financieros designados a valor
razonable con cambios en resultados
\u2014
\u2014
176
\u2014
178
\u2014
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
Valores representativos de deuda
\u2014
\u2014
176
\u2014
178
\u2014
Activos financieros a valor razonable con
cambios en otro resultado global
10.237
508
7.545
719
7.866
598
Instrumentos de patrimonio
58
100
36
106
34
105
Precios activos similares (Precios
observados en mercado de activos
similares)
Valor actual neto
- Cotizaciones brokers
- Operaciones mercado
- Valores liquidativos publicados por gestoras
- NAV del administrador de fondos
Valores representativos de deuda
10.179
408
7.509
613
7.832
493
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
Precios observados en mercados no activos
o de activos similares
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Precios de mercado no activos
- Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
Derivados - Contabilidad de coberturas
1.887
\u2014
1.733
9
1.862
8
Tipo de inter\u00e9s
Productos lineales de tipos de inter\u00e9s
(Interest rate swaps, Call money swaps y
FRA): Descuento de flujos.
Caps/Floors: Black 76, Hull-White y SABR
Opciones sobre bonos: Black 76
Swap options: Black 76, Hull-White y LGM
Otras opciones de tipos de inter\u00e9s: Black 76,
Hull-White, SABR y Libor Market Model
Constant maturity swaps: SABR
-\u00a0 Tipos de cambio
-\u00a0 Precios futuros cotizados en mercado o en
servicios de consenso
-\u00a0 Tipos de inter\u00e9s mercado
-\u00a0 Precios activos Subyacentes: acciones;
fondos; commodities
-\u00a0 Volatilidades observadas en mercado o en
servicios de consenso
-\u00a0 Niveles de spread de cr\u00e9dito de emisores
-\u00a0 Dividendos cotizados o de consenso
-\u00a0 Correlaciones cotizadas en mercado o
tomadas de servicios de consenso
- Beta
- Correlaciones impl\u00edcitas entre tenors
- Volatilidades Tipos de Inter\u00e9s
Instrumentos de patrimonio
Futuros y forwards de renta variable:
Descuento de flujos
Opciones renta variable: Volatilidad local,
Black 76, Ajuste de momentos\u00a0 y Heston
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo plazo
- Dividendos impl\u00edcitos\u00a0 y tipos repo a
largo plazo
Divisas y oro
Futuros y forwards de renta variable:
Descuento de flujos
Opciones de tipo de cambio: Volatilidad
local, Ajuste de momentos
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo plazo
Cr\u00e9dito
Derivados cr\u00e9dito: Intensidad de default y
C\u00f3pula Gaussiana
- Correlaci\u00f3n de impago
- Spreads de cr\u00e9dito
- Tasas de recuperaci\u00f3n
- Curvas de tipo de inter\u00e9s
- Volatilidad de impago
Materias primas
Materias primas: Descuento de flujos y
ajuste de momentos;
Instrumentos financieros registrados a valor razonable por niveles (Millones de euros)
2022
2021
2020
Nivel 2
Nivel 3
Nivel 2
Nivel 3
Nivel 2
Nivel 3
T\u00e9cnicas de valoraci\u00f3n
Principales inputs observables
Principales inputs no observables
PASIVOS
Pasivos financieros mantenidos para
negociar
73.871
1.129
64.305
615
56.127
395
Dep\u00f3sitos
37.577
127
37.733
226
21.577
159
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Tipos de inter\u00e9s de mercado
- Tipos de inter\u00e9s de financiaci\u00f3n de
pasivos observados en mercado o en
servicios de consenso.
- Tipos de cambio.
- Tipos de inter\u00e9s de financiaci\u00f3n de
pasivos no observados en mercado o
en servicios de consenso.
Derivados
36.161
1.002
26.560
389
34.046
232
\u00a0 \u00a0 \u00a0 \u00a0 \u00a0
Tipo de inter\u00e9s
Productos lineales de tipos de inter\u00e9s
(Interest rate swaps, Call money
swaps y FRA): Descuento de flujos.
Caps/Floors: Black 76, Hull-White y
SABR
Opciones sobre bonos: Black 76
Swaptions: Black 76, Hull-White y
LGM
Otras opciones de tipos de inter\u00e9s:
Black 76, Hull-White, SABR y Libor
Market Model
Constant Maturity Swaps: SABR
- Tipos de cambio
-\u00a0 Precios futuros cotizados en
mercado o en servicios de consenso
-\u00a0 Tipos de inter\u00e9s mercado
-\u00a0 Precios activos Subyacentes:
acciones; fondos; commodities
- Volatilidades observadas en
mercado o en servicios de consenso
-\u00a0 Niveles de spread de cr\u00e9dito de
emisores
-\u00a0 Dividendos cotizados o de
consenso
-\u00a0 Correlaciones cotizadas en
mercado o tomadas de servicios de
consenso
- Beta
- Correlaci\u00f3n entre tenors
- Volatilidades tipos de Inter\u00e9s
Instrumentos de patrimonio
Futuros y forwards de renta variable:
Descuento de flujos
Opciones renta variable: Volatilidad
local, Ajuste de momentos\u00a0 y Heston
- Volatility of volatility
- Correlaciones activos
Divisas y oro
Futuros y forwards de renta variable:
Descuento de flujos
Opciones de tipo de cambio: black
76, volatilidad local, ajuste de
momentos
- Volatility of volatility
- Correlaciones activos
Cr\u00e9dito
Derivados cr\u00e9dito: Intensidad de
default y C\u00f3pula Gaussiana
- Correlaci\u00f3n de impago
- Spreads de cr\u00e9dito
- Tasas de recuperaci\u00f3n
- Curvas de tipo de inter\u00e9s
- Volatilidad de impago
Materias primas
Materias primas: Descuento de flujos
y ajuste de momentos;
Posiciones cortas
133
\u2014
11
\u2014
504
3
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
Pasivos financieros designados a
valor razonable con cambios en
resultados
8.990
1.590
8.243
1.439
8.558
1.492
M\u00e9todo del valor presente
(Descuento de flujos de caja
futuros)
- Tasas de prepago
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Tasas de prepago
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
Derivados - Contabilidad de
coberturas
3.179
25
2.573
\u2014
2.250
15
Tipo de inter\u00e9s
Productos Lineales de Tipos de
inter\u00e9s (Interest rate swaps, Call
money swaps y FRA): Descuento de
Flujos.
Caps/Floors: Black 76, Hull-White y
SABR
Opciones sobre bonos: Black 76
Swaptions: Black 76, Hull-White y
LGM
Otras opciones de tipos de inter\u00e9s:
Black 76, Hull-White, SABR y Libor
Market Model
Constant Maturity Swaps: SABR
-Tipos de cambio
-\u00a0 Precios futuros cotizados en
mercado o en servicios de consenso
- Tipos de inter\u00e9s mercado
-\u00a0 Precios activos subyacentes:
acciones; fondos; commodities
-\u00a0 Volatilidades observadas en
mercado o en servicios de consenso
-\u00a0 Niveles de spread de cr\u00e9dito de
emisores
-\u00a0 Dividendos cotizados o de
consenso
-\u00a0 Correlaciones cotizadas en
mercado o tomadas de servicios de
consenso
- Beta
- Correlaciones impl\u00edcitas entre
tenors
- Volatilidades tipos de inter\u00e9s
Instrumentos de patrimonio
Futuros y forwards de renta variable:
Descuento de flujos
Opciones renta variable: Volatilidad
local, Ajuste de momentos y Heston
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo
plazo
- Dividendos Impl\u00edcitos\u00a0 y tipos repo a
largo plazo
Divisas y oro
Futuros y forwards de renta variable:
Descuento de flujos
Opciones de tipo de cambio: Black
76, Volatilidad local, Ajuste de
momentos
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo
plazo
Cr\u00e9dito
Derivados cr\u00e9dito: Intensidad de
default y C\u00f3pula Gaussiana
- Correlaci\u00f3n de impago
- Spreads de cr\u00e9dito
- Tasas de recuperaci\u00f3n
- Curvas de tipo de inter\u00e9s
- Volatilidad de impago
Materias primas
Materias primas: Descuento de flujos
y ajuste de momentos
T\u00e9cnicas de valoraci\u00f3n
Las principales t\u00e9cnicas utilizadas para la valoraci\u00f3n de la mayor\u00eda de los instrumentos clasificados en nivel 3, y sus principales inputs
no observables, se describen a continuaci\u00f3n:
\u2013El valor actual neto (m\u00e9todo del valor presente): este modelo utiliza los flujos futuros de caja de cada instrumento, que
vienen establecidos en los diferentes contratos, y los descuenta para calcular su valor actual. Este modelo suele incluir
muchos par\u00e1metros observables en mercado, si bien tambi\u00e9n puede incluir par\u00e1metros no observables directamente en
mercado, como los que se describen a continuaci\u00f3n:
a.Diferencial de cr\u00e9dito: el diferencial de cr\u00e9dito representa la diferencia en el rendimiento de un instrumento y la
tasa de referencia, reflejando el rendimiento adicional que un participante en el mercado demandar\u00eda para tomar
el riesgo de cr\u00e9dito de ese instrumento. Por tanto, el diferencial de cr\u00e9dito de un instrumento forma parte de la
tasa de descuento que se utiliza para calcular el valor presente de los flujos futuros de caja.
b.Tasa de recuperaci\u00f3n: se define como el porcentaje de capital e intereses que se recupera de un instrumento de
deuda que ha sido impagado.
\u2013Precios comparables (precios activos similares): se utilizan precios de instrumentos comparables, \u00edndices de referencia o
benchmark de mercado para calcular su rendimiento desde el precio de entrada o su valoraci\u00f3n actual realizando ajustes
posteriores para tomar en cuenta diferencias que puede haber entre el activo valorado y el que se toma como referencia.
Tambi\u00e9n se puede simplemente asumir que el precio de un instrumento equivale al del otro.
\u2013Net asset value: esta t\u00e9cnica emplea ciertas hip\u00f3tesis para usar el valor actual neto como representativas del valor
razonable, que representa el valor total de los activos y pasivos de un fondo y es publicado por la entidad gestora del
mismo.
\u2013C\u00f3pula gaussiana: en los instrumentos de cr\u00e9dito dependientes de varias referencias, la funci\u00f3n de densidad conjunta a
integrar para valorarlos se construye mediante una c\u00f3pula gaussiana que relaciona las densidades marginales mediante
una distribuci\u00f3n normal, que suele extraerse de la matriz de correlaciones de los eventos de default que se aproxima por la
de los CDS (Credit Default Swaps) de los emisores.
\u2013Black 76: variante del modelo Black Scholes cuya principal aplicaci\u00f3n es la valoraci\u00f3n de opciones de bonos, caps/ floors y
swaptions de los modelos directamente el comportamiento del forward y no el propio spot.
\u2013Black Scholes: El modelo Black Scholes postula una distribuci\u00f3n log-normal de los precios de los valores de modo que, bajo
la medida riesgo neutral, el retorno esperado de los mismos es el tipo de inter\u00e9s libre de riesgo. Bajo esta asunci\u00f3n, el precio
de las opciones vanilla se puede calcular anal\u00edticamente, de modo que invirtiendo la f\u00f3rmula de Black Scholes para una
prima cotizada en mercado, se puede obtener la volatilidad del proceso del precio.
\u2013Heston: El modelo, que normalmente se aplica opciones de renta variable, presume un comportamiento estoc\u00e1stico de la
volatilidad. Seg\u00fan \u00e9ste, la volatilidad sigue un proceso que revierte a un nivel de largo plazo y est\u00e1 correlacionado con el que
sigue el subyacente. Frente a los modelos de volatilidad local, en los que la volatilidad evoluciona determin\u00edsticamente, el
modelo de Heston es m\u00e1s flexible, permitiendo que sea similar al observado en el corto plazo del d\u00eda.
\u2013Libor market model: este modelo presume que la din\u00e1mica de la curva de tipos de inter\u00e9s se puede modelar en base al
proceso conjunto de los forwards que la componen. La matriz de correlaciones se parametriza bajo la hip\u00f3tesis de que la
correlaci\u00f3n entre dos forwards cualesquiera decrece a una tasa instant\u00e1nea constante, beta, en la medida en que disten sus
respectivos vencimientos. El input \u201cVolatilidad de impago\u201d aplicar\u00eda en operativa h\u00edbrida tipos/cr\u00e9dito. El marco
multifactorial del modelo lo hace ideal para la valoraci\u00f3n de instrumentos sensibles a la pendiente o curvatura.
\u2013Local volatility: En los modelos de volatilidad local (en ingl\u00e9s, \u201clocal volatility\u201d), la volatilidad, en lugar de ser est\u00e1tica,
evoluciona determin\u00edsticamente con el tiempo seg\u00fan el nivel de probabilidad de que la opci\u00f3n tenga un valor positivo en su
fecha de vencimiento (nivel denominado en ingl\u00e9s \u201cmoneyness\u201d), reproduciendo las denominadas \u201csonrisas de
volatilidad\u201d (\u201cvolatility smiles\u201d) que se observan en mercado. La sonrisa de volatilidad de una opci\u00f3n es la relaci\u00f3n emp\u00edrica
que se observa entre su volatilidad impl\u00edcita y el precio de ejercicio de la misma. Estos modelos son apropiados en las
opciones cuyo valor depende de la evoluci\u00f3n hist\u00f3rica del subyacente que utilizan simulaci\u00f3n de Monte Carlo para su
valoraci\u00f3n.
Inputs no observables
A continuaci\u00f3n, se presenta la informaci\u00f3n cuantitativa de los inputs no observables utilizados en el c\u00e1lculo de las valoraciones de
nivel 3 a 31 de diciembre de 2022, 2021 y 2020:
Inputs no observables. Diciembre 2022
Instrumento financiero
M\u00e9todo de valoraci\u00f3n
Inputs no observables
significativos
Min
Media
Max
Unidades
Valores representativos
de deuda
M\u00e9todo de valor presente
Diferencial de cr\u00e9dito
\u2014
111
1.538
pb
Tasa de recuperaci\u00f3n
0 %
39 %
40 %
%
Precios comparables
2 %
94 %
139 %
%
Instrumentos de
patrimonio (1)
Valor actual neto
Precios comparables
Pr\u00e9stamos y anticipos
M\u00e9todo de valor presente
Tipos de inter\u00e9s de
financiaci\u00f3n de activos
0,71 %
3,48 %
5,52 %
Abs Repo
rate
Derivados de cr\u00e9dito
C\u00f3pula gaussiana
Correlaci\u00f3n de impago
26 %
44 %
58 %
%
Black 76
Volatilidad del precio
\u2014
\u2014
\u2014
Vegas
Derivados de renta
variable
Modelos de opciones
sobre renta variable
Dividendos (2)
Correlaciones
(93 %)
59 %
99 %
%
Volatilidad
7,81
32,62
98,71
Vegas
Derivados de tipos de
cambio
Modelos de opciones
sobre tipo de cambio
Volatilidad
5,32
11,93
20,73
Vegas
Derivados de tipos de
inter\u00e9s
Modelos de opciones
sobre tipo de inter\u00e9s
Beta
0,25 %
2 %
18 %
%
Correlaci\u00f3n tipo/cr\u00e9dito
(100 %)
100 %
%
Correlaci\u00f3n tipo/
inflaci\u00f3n
51 %
66 %
76 %
%
(1)Debido a la variedad de modelos de valoraci\u00f3n de instrumentos de patrimonio no se incluyen todos los posibles inputs no observables significativos ni por tanto los rangos
cuantitativos de \u00e9stos.
(2) El rango de los dividendos no observables significativos es demasiado amplio para ser relevante a nivel comparativo.
Inputs no observables. Diciembre 2021
Instrumento financiero
M\u00e9todo de valoraci\u00f3n
Inputs no observables
significativos
Min
Media
Max
Unidades
Valores representativos
de deuda
M\u00e9todo de valor presente
Diferencial de cr\u00e9dito
3
125
2.374
pb
Tasa de recuperaci\u00f3n
0 %
37 %
40 %
%
Precios comparables
0,1 %
97 %
144 %
%
Instrumentos de
patrimonio (1)
Valor actual neto
Precios comparables
Pr\u00e9stamos y anticipos
M\u00e9todo de valor presente
Tipos de inter\u00e9s de
financiaci\u00f3n de activos
(2,71 %)
1,16 %
4,99 %
Abs Repo
rate
Derivados de cr\u00e9dito
C\u00f3pula gaussiana
Correlaci\u00f3n de impago
35 %
43 %
53 %
%
Black 76
Volatilidad del precio
\u2014
\u2014
\u2014
Vegas
Derivados de renta
variable
Modelos de opciones
sobre renta variable
Dividendos (2)
Correlaciones
(88 %)
60 %
99 %
%
Volatilidad
5,57
26,30
62,00
Vegas
Derivados de tipos de
cambio
Modelos de opciones
sobre tipo de cambio
Volatilidad
3,96
9,71
16,34
Vegas
Derivados de tipos de
inter\u00e9s
Modelos de opciones
sobre tipo de inter\u00e9s
Beta
0,25 %
2 %
18 %
%
Correlaci\u00f3n tipo/cr\u00e9dito
(100 %)
100 %
%
Volatilidad de impago
\u2014
\u2014
\u2014
Vegas
(1) Debido a la variedad de modelos de valoraci\u00f3n de instrumentos de patrimonio no se incluyen todos los posibles inputs no observables significativos ni por tanto los rangos
cuantitativos de \u00e9stos.
(2) El rango de los dividendos no observables significativos es demasiado amplio para ser relevante a nivel comparativo.
Inputs no observables. Diciembre 2020
Instrumento financiero
M\u00e9todo de valoraci\u00f3n
Inputs no observables
significativos
Min
Media
Max
Unidades
Valores representativos
de deuda
M\u00e9todo de valor presente
Diferencial de cr\u00e9dito
4
47
564
pb
Tasa de recuperaci\u00f3n
0 %
37 %
40 %
%
Precios comparables
0,10 %
100 %
144 %
%
Instrumentos de
patrimonio (1)
Valor actual neto
Precios comparables
Pr\u00e9stamos y anticipos
M\u00e9todo de valor presente
Tipos de inter\u00e9s de
financiaci\u00f3n de activos
(1,18 %)
(0,25 %)
0,74 %
Abs Repo
rate
Derivados de cr\u00e9dito
C\u00f3pula gaussiana
Correlaci\u00f3n de impago
30 %
45 %
61 %
%
Black 76
Volatilidad del precio
\u2014
\u2014
\u2014
Vegas
Derivados de renta
variable
Modelos de opciones
sobre renta variable
Dividendos (2)
Correlaciones
(77 %)
51 %
98 %
%
Volatilidad
6,52
29,90
141,77
Vegas
Derivados de tipo de
cambio
Modelos de opciones
sobre tipo de cambio
Volatilidad
4,11
10,00
16,14
Vegas
Derivados de tipo de
inter\u00e9s
Modelos de opciones
sobre tipo de inter\u00e9s
Beta
0,25 %
2 %
18 %
%
Correlaci\u00f3n tipo/cr\u00e9dito
(100 %)
100 %
%
Volatilidad de impago
\u2014
\u2014
\u2014
Vegas
(1) Corresponde a t\u00edtulos que se mantienen en el balance consolidado a 31 de diciembre de 2022, 2021 y 2020. Los ajustes por valoraci\u00f3n se registran en la cuenta de p\u00e9rdidas y
ganancias consolidada en el ep\u00edgrafe de \u201cGanancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con cambios en resultados, netas\u201d.
(2) De los que en el ejercicio 2021, el movimiento de activo se compone de 2.742 millones de euros de compras y 211 millones de euros de ventas. Los movimientos del pasivo se
componen de 213 millones de euros de compras y 57 millones de euros de ventas.
(3) El saldo de 2020 corresponde principalmente a las sociedades del Grupo que estaban en proceso de venta en Estados Unidos incluidas en la venta a PNC (ver Notas 3 y 21).
Durante el ejercicio 2022 se ha reducido el neto de volumen de exposiciones clasificadas como nivel 3. Esta reducci\u00f3n se concentra
principalmente en posiciones de adquisiciones temporales de activos (ATA), derivado de la rotaci\u00f3n de la cartera hacia posiciones
con mejor observabilidad en el mercado de los inputs aplicados en su valor razonable. Adicionalmente la reducci\u00f3n del volumen de
exposiciones nivel 3 de posiciones de adquisiciones temporales de activos (ATA) se ve mitigada por el incremento en el volumen de
exposiciones nivel 3 en derivados, para los cuales se tiene peor observabilidad en mercado de los inputs aplicados en su valor
razonable.
Durante el ejercicio 2021, se increment\u00f3 la cartera de negociaci\u00f3n principalmente en posici\u00f3n de pr\u00e9stamos y anticipos y su
correspondiente financiaci\u00f3n con dep\u00f3sitos. Alineado con este incremento de la actividad, resulta un mayor volumen de exposiciones
clasificadas como nivel 3, que principalmente corresponden a adquisiciones temporales de activos (ATA), a pesar de mejorar durante
el ejercicio la observabilidad en el mercado de los inputs utilizados para valorar estos activos.
Durante el ejercicio 2020, se realiz\u00f3 una reducci\u00f3n de Activos financieros mantenidos para negociar y Pasivos financieros
mantenidos para negociar clasificados como Nivel 2 en la jerarqu\u00eda de valor razonable por importe de 1.918 millones de euros y una
reducci\u00f3n de Activos financieros mantenidos para negociar y Pasivos financieros mantenidos para negociar clasificados como nivel 3
en la jerarqu\u00eda de valor razonable por importe de 461 millones de euros.
Durante los ejercicios 2022, 2021 y 2020, el resultado por ventas de instrumentos financieros clasificados en nivel 3, registrado en la
cuenta de p\u00e9rdidas y ganancias consolidada no fue significativo.
Traspasos entre niveles
El \u00e1rea de Valoraci\u00f3n Global de Mercados ha establecido los criterios para la adecuada clasificaci\u00f3n de instrumentos financieros
mantenidos para negociar definida por las NIIF.
Mensualmente, los nuevos activos incorporados a la cartera son clasificados, siguiendo estos criterios, por las \u00e1reas locales que, a su
vez, llevan a cabo una revisi\u00f3n trimestral de la cartera existente con objeto de analizar si es preciso modificar la clasificaci\u00f3n de
alguno de los activos existentes.
Los instrumentos financieros que fueron traspasados entre los distintos niveles de valoraci\u00f3n durante los ejercicios 2022, 2021 y
2020 presentan los siguientes saldos en los balances consolidados adjuntos a 31 de diciembre de 2022, 2021 y 2020:
Traspasos de niveles. Diciembre 2022 (Millones de euros)
DE:
Nivel 1
Nivel 2
Nivel 3
A:
Nivel 2
Nivel 3
Nivel 1
Nivel 3
Nivel 1
Nivel 2
Activo
Activos financieros mantenidos para negociar
683
1
1.909
340
24
911
Activos financieros no destinados a
negociaci\u00f3n valorados obligatoriamente a valor
razonable con cambios en resultados
\u2014
\u2014
243
\u2014
53
2
Activos financieros designados a valor
razonable con cambios en resultados
\u2014
\u2014
123
\u2014
\u2014
\u2014
Activos financieros a valor razonable con
cambios en otro resultado global
1.723
\u2014
715
\u2014
18
83
Derivados - Contabilidad de coberturas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Total
2.407
1
2.990
340
95
996
Pasivo
Pasivos financieros mantenidos para negociar
524
\u2014
239
141
\u2014
258
Pasivos financieros designados a valor
razonable con cambios en resultados
\u2014
\u2014
\u2014
221
\u2014
55
Derivados - Contabilidad de coberturas
\u2014
\u2014
\u2014
25
\u2014
\u2014
Total
524
\u2014
239
387
\u2014
313
El importe de los instrumentos financieros que fueron traspasados entre los distintos niveles de valoraci\u00f3n durante el ejercicio 2022
corresponden a las revisiones antes mencionadas de la clasificaci\u00f3n entre niveles porque dichos activos hab\u00edan visto modificada
alguna de sus caracter\u00edsticas. En concreto, los traspasos entre los niveles 1 y 2 se producen en su mayor\u00eda en derivados y valores
representativos de deuda. Asimismo, los traspasos desde el nivel 2 al nivel 3 se dan fundamentalmente en derivados y en dep\u00f3sitos
designados a valor razonable con cambios en resultados, y en relaci\u00f3n a los traspasos desde el nivel 3 al Nivel 2 se centran en
derivados y pr\u00e9stamos y anticipos mantenidos para negociar.
An\u00e1lisis de sensibilidad
El an\u00e1lisis de sensibilidad se realiza sobre los activos con inputs no observables importantes, es decir, para aquellos incluidos en el
nivel 3, para tener un rango razonable de las posibles valoraciones alternativas. Este an\u00e1lisis se lleva a cabo en base a los criterios
definidos por el \u00e1rea Global de Valoraci\u00f3n alineados con los requerimientos regulatorios oficiales de m\u00e9tricas de Prudent Valuation,
teniendo en cuenta la naturaleza de los m\u00e9todos empleados para realizar la valoraci\u00f3n y la fiabilidad y disponibilidad de los inputs y
proxies utilizados. Esto se realiza con el objeto de establecer, con un grado de certeza adecuado, el riesgo valorativo en el que se
incurre en dichos activos sin aplicar criterios de diversificaci\u00f3n entre los mismos.
A 31 de diciembre de 2022, el efecto en los resultados y en el patrimonio neto, consolidados, resultante de cambiar las principales
asunciones utilizadas en la valoraci\u00f3n de los instrumentos financieros del nivel 3 por otras hip\u00f3tesis razonablemente posibles,
tomando el valor m\u00e1s alto (hip\u00f3tesis m\u00e1s favorables) o m\u00e1s bajo (hip\u00f3tesis menos favorables) del rango que se estima probable,
ser\u00eda:
Instrumentos financieros nivel 3: An\u00e1lisis de sensibilidad (Millones de euros)
Impacto potencial en la cuenta de
p\u00e9rdidas y ganancias consolidada
Impacto potencial en otro resultado
global acumulado
Hip\u00f3tesis m\u00e1s
favorables
Hip\u00f3tesis menos
favorables
Hip\u00f3tesis m\u00e1s
favorables
Hip\u00f3tesis menos
favorables
2022
2021
2022
2021
2022
2021
2022
2021
ACTIVOS
Activos financieros mantenidos para
negociar
33
33
(33)
(57)
\u2014
\u2014
\u2014
\u2014
Pr\u00e9stamos y anticipos
1
4
(1)
(4)
\u2014
\u2014
\u2014
\u2014
Valores representativos de deuda
\u2014
24
\u2014
(24)
\u2014
\u2014
\u2014
\u2014
Instrumentos de patrimonio
25
1
(25)
(25)
\u2014
\u2014
\u2014
\u2014
Derivados de negociaci\u00f3n
6
5
(6)
(5)
\u2014
\u2014
\u2014
\u2014
Activos financieros no destinados a
negociaci\u00f3n valorados obligatoriamente a
valor razonable con cambios en resultados
135
35
(136)
(36)
\u2014
\u2014
\u2014
\u2014
Pr\u00e9stamos y anticipos
\u2014
16
\u2014
(5)
\u2014
\u2014
\u2014
\u2014
Valores representativos de deuda
17
10
(19)
(10)
\u2014
\u2014
\u2014
\u2014
Instrumentos de patrimonio
118
9
(118)
(21)
\u2014
\u2014
\u2014
\u2014
Activos financieros designados a valor
razonable con cambios en resultados
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Activos financieros a valor razonable con
cambios en otro resultado global
\u2014
\u2014
\u2014
\u2014
25
41
(25)
(43)
Total
168
68
(169)
(93)
25
41
(25)
(43)
PASIVOS
Pasivos financieros mantenidos para
negociar
7
3
(7)
(3)
\u2014
\u2014
\u2014
\u2014
Total
7
3
(7)
(3)
\u2014
\u2014
\u2014
\u2014
Valor razonable de los instrumentos financieros contabilizados a coste, seg\u00fan criterios de valoraci\u00f3n
A continuaci\u00f3n, se presentan los m\u00e9todos de valoraci\u00f3n utilizados para el c\u00e1lculo del valor razonable de los activos y pasivos
financieros contabilizados a coste:
Activos financieros
\u2013Efectivo, saldos en bancos centrales y otros dep\u00f3sitos a la vista / pr\u00e9stamos y anticipos a bancos centrales / pr\u00e9stamos y
anticipos a entidades de cr\u00e9dito a corto plazo / adquisiciones temporales de activos: En general, su valor razonable se ha
asimilado a su valor en libros, debido a la naturaleza de la contrapartida y por tratarse principalmente de saldos a corto
plazo en los que el valor en libros es la estimaci\u00f3n m\u00e1s razonable del valor del activo.
\u2013Pr\u00e9stamos a entidades de cr\u00e9dito que no sean corto plazo y pr\u00e9stamos a la clientela: En general, estos activos financieros
se valorar\u00e1n mediante el descuento de flujos futuros utilizando la curva de tipos de inter\u00e9s vigente en el momento de la
valoraci\u00f3n ajustada por el diferencial de cr\u00e9dito e incorporando cualquier hip\u00f3tesis de comportamiento si esta resultara
relevante (amortizaciones anticipadas, opcionalidades, etc.).
\u2013Valores representativos de deuda: En general, su valor razonable se ha estimado en funci\u00f3n del precio disponible en
mercado o utilizando metodolog\u00edas internas de valoraci\u00f3n.
Pasivos financieros
\u2013Dep\u00f3sitos de bancos centrales (subastas recurrentes de liquidez y otros instrumentos de pol\u00edtica monetaria de los bancos
centrales) / dep\u00f3sitos de entidades de cr\u00e9dito a corto plazo / cesiones temporales de activos / dep\u00f3sitos de la clientela a
corto plazo: Se considera que, en general, su valor en libros es la mejor estimaci\u00f3n de su valor razonable.
\u2013Dep\u00f3sitos de entidades de cr\u00e9dito que no sean corto plazo y dep\u00f3sitos de la clientela a plazo: Estos dep\u00f3sitos se valorar\u00e1n
mediante el descuento de flujos futuros utilizando la curva de tipos de inter\u00e9s vigente en el momento de la valoraci\u00f3n
ajustada por el diferencial de cr\u00e9dito e incorporando cualquier hip\u00f3tesis de comportamiento si esta resultara relevante
(amortizaciones anticipadas, opcionalidades, etc.).
\u2013Valores representativos de deuda emitidos: Valor razonable estimado, en funci\u00f3n del precio disponible en mercado o
utilizando el m\u00e9todo del valor presente: descuento de flujos futuros de caja previstos, usando tipos de inter\u00e9s de mercado al
momento de valoraci\u00f3n y teniendo en cuenta el diferencial de cr\u00e9dito.
La siguiente tabla presenta el valor razonable de los principales instrumentos financieros registrados a coste amortizado en los
balances consolidados a 31 de diciembre de 2022, 2021 y 2020 desglosados seg\u00fan el m\u00e9todo de valoraci\u00f3n utilizado en su
estimaci\u00f3n:
Valor razonable de instrumentos financieros registrados a coste amortizado por niveles (Millones de euros)
2022
2021
2020
Nivel 1
Nivel 2
Nivel 3
Nivel 1
Nivel 2
Nivel 3
Nivel 1
Nivel 2
Nivel 3
ACTIVOS
Efectivo, saldos en efectivo en bancos
centrales y otros dep\u00f3sitos a la vista
79.463
\u2014
293
67.581
\u2014
218
65.355
\u2014
165
Activos financieros a coste amortizado
34.555
13.393
371.112
33.213
13.033
331.205
35.196
15.066
324.005
PASIVOS
Pasivos financieros a coste amortizado
77.112
266.194
181.746
91.870
243.847
153.016
90.839
255.278
144.889
A continuaci\u00f3n se presentan los principales m\u00e9todos de valoraci\u00f3n, hip\u00f3tesis e inputs utilizados en la estimaci\u00f3n del valor razonable
de los instrumentos financieros contabilizados a coste amortizado clasificados en nivel 2 y nivel 3, seg\u00fan el tipo de instrumento
financiero de que se trate, y los correspondientes saldos a 31 de diciembre de 2022, 2021 y 2020:
Instrumentos financieros registrados a coste amortizado por t\u00e9cnicas de valoraci\u00f3n (Millones de euros)
2022
2021
2020
T\u00e9cnicas de
valoraci\u00f3n
Principales inputs
utilizados
Nivel 2
Nivel 3
Nivel 2
Nivel 3
Nivel 2
Nivel 3
ACTIVOS
Activos financieros a
coste amortizado
13.393
371.112
13.033
331.205
15.066
324.005
M\u00e9todo del valor
presente
(Descuento de
flujos de caja
futuros)
Pr\u00e9stamos y anticipos a
bancos centrales
\u2014
142
\u2014
\u2014
\u2014
\u2014
- Diferencial de
cr\u00e9dito
- Tasa de prepago
- Tipos de inter\u00e9s
Pr\u00e9stamos y anticipos a
entidades de cr\u00e9dito
1.289
14.711
863
12.329
1.883
12.641
- Diferencial de
cr\u00e9dito
- Tasa de prepago
- Tipos de inter\u00e9s
Pr\u00e9stamos y anticipos a
la clientela
1.571
355.247
3.416
318.059
3.904
310.924
- Diferencial de
cr\u00e9dito
- Tasa de prepago
- Tipos de inter\u00e9s
Valores representativos
de deuda
10.533
1.012
8.755
817
9.279
440
- Diferencial de
cr\u00e9dito
- Tipos de inter\u00e9s
PASIVOS
Pasivos financieros a
coste amortizado
266.194
181.746
243.847
153.016
255.278
144.889
Dep\u00f3sitos de bancos
centrales
\u2014
300
\u2014
300
\u2014
207
M\u00e9todo del valor
presente
(Descuento de
flujos de caja
futuros)
- Riesgo de cr\u00e9dito
del emisor
- Tasa de prepago
- Tipos de inter\u00e9s
Dep\u00f3sitos de entidades
de cr\u00e9dito
20.546
6.231
14.853
4.916
22.914
4.633
Dep\u00f3sitos de la clientela
230.821
160.278
209.345
137.803
210.097
129.525
Valores representativos
de deuda emitidos
7.240
8.368
10.014
4.391
14.413
4.848
Otros pasivos
financieros
7.587
6.568
9.636
5.606
7.854
5.676
(1) La variaci\u00f3n se debe principalmente a la evoluci\u00f3n de los derivados de tipo de cambio en BBVA, S.A.
(2) La variaci\u00f3n se debe principalmente a ventas en BBVA, S.A.
(3) La variaci\u00f3n se debe principalmente a la evoluci\u00f3n de \"Adquisici\u00f3n temporal de activos\" de BBVA, S.A.\u00a0
A 31 de diciembre de 2022, 2021 y 2020, el ep\u00edgrafe de \u201cPosiciones cortas de valores\u201d incluye 12.544, 14.298 y 11.696 millones de
euros mantenidos con las administraciones p\u00fablicas, respectivamente.
Derivados
La cartera de derivados surge de la necesidad del Grupo de gestionar los riesgos en que incurre en el curso normal de su actividad as\u00ed
como la comercializaci\u00f3n de productos a los clientes. A 31 de diciembre de 2022, 2021 y 2020, los derivados estaban, en su mayor
parte, contratados en mercados no organizados, ten\u00edan sus contrapartidas en entidades de cr\u00e9dito y otras sociedades financieras y
estaban relacionados con riesgos de cambio, de tipo de inter\u00e9s y de instrumentos de patrimonio.
A continuaci\u00f3n, se presenta un desglose, por tipo de riesgo y tipo de mercado, del valor razonable as\u00ed como los nocionales
relacionados de los derivados financieros registrados en los balances consolidados adjuntos, distinguiendo entre los contratados en
mercados organizados y mercados no organizados:
Derivados por tipo de riesgo y por tipo de producto o mercado (Millones de euros)
2022
2021
2020
Activos
Pasivos
Importe
nocional -
Total
Activos
Pasivos
Importe
nocional -
Total
Activos
Pasivos
Importe
nocional -
Total
Tipo de inter\u00e9s
19.563
18.220
4.286.531
15.782
15.615
3.902.760
26.451
26.028
3.252.066
OTC
19.558
18.215
4.278.249
15.774
15.610
3.884.561
26.447
26.020
3.233.718
Mercados organizados
5
5
8.282
8
5
18.199
3
8
18.348
Instrumentos de
patrimonio
3.067
3.770
76.749
2.802
4.123
72.656
2.626
4.143
72.176
OTC
1.810
2.127
52.739
775
1.930
48.695
584
1.836
42.351
Mercados organizados
1.257
1.643
24.010
2.028
2.192
23.962
2.042
2.307
29.825
Divisas y oro
16.971
15.528
589.705
12.104
11.471
533.395
10.952
11.216
461.898
OTC
16.954
15.505
580.850
12.090
11.445
526.590
10.942
11.216
457.180
Mercados organizados
17
23
8.855
14
26
6.805
10
\u2014
4.719
Cr\u00e9dito
299
383
43.450
236
490
19.937
153
292
23.411
Permutas de cobertura
por impago
293
282
41.760
236
254
18.121
146
156
21.529
Opciones sobre el
diferencial de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Permutas de
rendimiento total
7
101
1.665
\u2014
236
1.815
7
136
1.882
Otros
\u2014
\u2014
25
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Materias primas
9
8
60
8
7
149
1
1
26
DERIVADOS
39.908
37.909
4.996.495
30.933
31.705
4.528.897
40.183
41.680
3.809.577
De los cuales: OTC -
entidades de cr\u00e9dito
28.385
26.454
1.205.895
21.069
22.488
1.073.921
24.432
27.244
958.017
De los cuales: OTC -
otras sociedades
financieras
5.745
4.493
3.587.546
3.300
3.075
3.257.382
8.211
8.493
2.663.978
De los cuales: OTC -
resto
4.501
5.290
161.882
4.514
3.919
148.629
5.484
3.627
134.690
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor
razonable con cambios en resultados
La composici\u00f3n del saldo de este cap\u00edtulo de los balances consolidados adjuntos es la siguiente:
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable con cambios en resultados
(Millones de euros)
Notas
2022
2021
2020
Instrumentos de patrimonio (1)
7.2.2
6.511
5.303
4.133
Valores representativos de deuda
7.2.2
129
128
356
Pr\u00e9stamos y anticipos a la clientela
7.2.2
247
655
709
Total
8.1
6.888
6.086
5.198
(1) En 2022 se anunci\u00f3 el acuerdo con la compa\u00f1\u00eda Neon Payments Limited para la suscripci\u00f3n de acciones preferentes representativas de aproximadamente el 21,7% de su
capital social (ver Nota 3).
Activos y pasivos financieros designados a valor razonable con cambios en
resultados
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es la siguiente:
Activos y pasivos financieros designados a valor razonable con cambios en resultados (Millones de euros)
Notas
2022
2021
2020
ACTIVOS
Valores representativos de deuda
7.2.2 / 8.1
913
1.092
1.117
PASIVOS
Dep\u00f3sitos de la clientela
700
809
902
Valores representativos de deuda emitidos
3.288
3.396
4.531
Otros pasivos financieros: Seguros de vida en los que el tomador
asume el riesgo
6.592
5.479
4.617
Total pasivos
8.1
10.580
9.683
10.050
Dentro de estos cap\u00edtulos se recogen los pasivos vinculados a los productos de seguros en los que el tomador asume el riesgo (unit-
link). Dado que los pasivos vinculados a los productos de seguros en los que el tomador asume el riesgo se valoran como el activo
asociado a dichos seguros, no existe ning\u00fan componente de riesgo de cr\u00e9dito asumido por el Grupo en relaci\u00f3n a estos pasivos.
As\u00ed mismo, se recogen valores representativos de deuda con el objetivo de reducir las inconsistencias (asimetr\u00edas) que pudieran
surgir en la valoraci\u00f3n de dichas operaciones y las utilizadas para gestionar el riesgo de las mismas.
Activos financieros a valor razonable con cambios en otro resultado globalComposici\u00f3n del saldo
La composici\u00f3n del saldo de este cap\u00edtulo de los balances consolidados adjuntos, por tipos de instrumentos financieros, es la
siguiente:
Activos financieros a valor razonable con cambios en otro resultado global (Millones de euros)
Notas
2022
2021
2020
Instrumentos de patrimonio
7.2.2
1.198
1.320
1.100
Valores representativos de deuda (1)
57.755
59.074
68.308
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
7.2.2
26
27
33
Total
8.1
58.980
60.421
69.440
Del que: correcciones de valor de valores representativos de deuda
(121)
(74)
(97)
Valores representativos de deuda
El desglose del saldo del ep\u00edgrafe \u201cValores representativos de deuda\u201d de los balances consolidados adjuntos a 31 de diciembre de
2022, 2021 y 2020, por instrumentos financieros, es el siguiente:
Activos financieros a valor razonable con cambios en otro resultado global. Valores representativos de deuda (Millones de euros)
2022
2021
2020
Coste\u00a0 \u00a0 \u00a0
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Coste\u00a0 \u00a0 \u00a0
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Coste\u00a0 \u00a0 \u00a0
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Valores espa\u00f1oles
Deuda del estado y otras
administraciones p\u00fablicas
17.799
154
(524)
17.429
15.889
656
\u2014
16.544
28.582
801
(16)
29.367
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
865
10
(20)
854
1.125
51
\u2014
1.176
1.363
76
\u2014
1.439
Otras entidades
500
5
(10)
495
612
24
(1)
635
867
40
(1)
906
Subtotal
19.164
169
(555)
18.779
17.625
731
(2)
18.355
30.811
917
(17)
31.712
Valores extranjeros
M\u00e9xico
11.566
3
(759)
10.810
11.097
32
(359)
10.769
9.107
291
(3)
9.395
Deuda del estado y otras
administraciones p\u00fablicas
11.013
2
(736)
10.278
10.467
21
(348)
10.141
8.309
271
(1)
8.579
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
130
\u2014
(10)
119
120
3
(6)
118
113
5
\u2014
118
Otras entidades
423
2
(12)
413
509
7
(6)
510
685
15
(2)
698
Italia
4.568
53
(106)
4.515
7.407
213
(12)
7.608
3.897
367
\u2014
4.263
Deuda del estado y otras
administraciones p\u00fablicas
4.402
52
(104)
4.349
7.274
212
(12)
7.474
3.789
366
\u2014
4.154
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
39
\u2014
\u2014
39
47
\u2014
\u2014
47
48
\u2014
\u2014
48
Otras entidades
127
1
(1)
126
86
1
\u2014
87
60
1
\u2014
61
Jap\u00f3n
2.920
7
(1)
2.926
4.961
7
\u2014
4.968
4.551
1
(3)
4.549
Deuda del estado y otras
administraciones p\u00fablicas
2.824
6
\u2014
2.830
4.906
7
\u2014
4.913
4.492
\u2014
(3)
4.489
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
14
\u2014
(1)
13
18
\u2014
\u2014
18
\u2014
\u2014
\u2014
\u2014
Otras entidades
82
1
\u2014
83
36
1
\u2014
37
59
1
\u2014
60
Estados Unidos
5.245
39
(263)
5.020
3.900
44
(18)
3.926
4.642
52
(3)
4.691
Deuda del estado y otras
administraciones p\u00fablicas
2.956
17
(257)
2.716
1.754
7
(17)
1.744
2.307
9
(1)
2.315
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
89
1
\u2014
89
114
2
\u2014
116
186
3
\u2014
188
Otras entidades
2.200
21
(6)
2.215
2.032
35
(1)
2.065
2.149
40
(2)
2.187
Turqu\u00eda
3.213
700
(56)
3.858
2.888
199
(168)
2.920
3.456
90
(73)
3.473
Deuda del estado y otras
administraciones p\u00fablicas
3.213
700
(56)
3.858
2.888
199
(168)
2.920
3.456
90
(73)
3.473
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otras entidades
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros pa\u00edses
11.928
194
(274)
11.848
10.298
286
(55)
10.529
9.892
372
(39)
10.225
Deuda de otros estados y
otras administraciones
p\u00fablicas
3.093
120
(154)
3.059
2.488
115
(29)
2.574
2.177
136
(14)
2.300
Bancos centrales
3.098
8
(12)
3.094
1.698
3
(5)
1.696
1.599
21
(8)
1.611
Entidades de cr\u00e9dito
2.087
40
(59)
2.068
2.306
92
(16)
2.382
2.468
116
(8)
2.576
Otras entidades
3.649
27
(49)
3.627
3.807
76
(6)
3.877
3.648
99
(8)
3.738
Subtotal
39.440
996
(1.459)
38.977
40.551
780
(612)
40.719
35.545
1.172
(120)
36.596
Total
58.605
1.165
(2.014)
57.755
58.176
1.511
(614)
59.074
66.356
2.089
(137)
68.308
A 31 de diciembre de 2022, 2021 y 2020, la distribuci\u00f3n atendiendo a la calidad crediticia (ratings) de los emisores de los valores
representativos de deuda era la siguiente:
Valores representativos de deuda por rating
2022
2021
2020
Valor razonable
(Millones de
euros)
%
Valor razonable
(Millones de
euros)
%
Valor razonable
(Millones de
euros)
%
AAA
3.339
5,8 %
2.413
4,1 %
4.345
6,4 %
AA+
490
0,8 %
586
1,0 %
595
0,9 %
AA
416
0,7 %
646
1,1 %
449
0,7 %
AA-
472
0,8 %
327
0,6 %
406
0,6 %
A+
3.866
6,7 %
6.179
10,5 %
5.912
8,7 %
A
1.663
2,9 %
1.676
2,8 %
2.112
3,1 %
A-
20.350
35,2 %
18.760
31,8 %
31.614
46,3 %
BBB+
11.423
19,8 %
11.465
19,4 %
8.629
12,6 %
BBB
7.328
12,7 %
10.961
18,6 %
4.054
5,9 %
BBB-
964
1,7 %
1.310
2,2 %
5.116
7,5 %
Con rating igual o inferior a BB+
7.202
12,5 %
4.379
7,4 %
4.731
6,9 %
Sin clasificar
241
0,4 %
372
0,6 %
345
0,5 %
Total
57.755
100,0 %
59.074
100,0 %
68.308
100,0 %
Plusval\u00edas/minusval\u00edas
El movimiento de las plusval\u00edas/minusval\u00edas (netas de impuestos) producidas en los ejercicios 2022, 2021 y 2020 de los valores
representativos de deuda registradas en el ep\u00edgrafe \u201cOtro resultado global acumulado - Elementos que pueden reclasificarse en
resultados \u2013 Cambios del valor razonable de los instrumentos de deuda valorados a valor razonable con cambios en otro resultado
global\u201d y de los instrumentos de patrimonio registrados en el ep\u00edgrafe \u201cOtro resultado global acumulado \u2013 Elementos que no se
reclasificar\u00e1n en resultados \u2013 Cambios del valor razonable de los instrumentos de patrimonio valorados a valor razonable con
cambios en otro resultado global\u201d de los balances consolidados adjuntos fue el siguiente:
Otro resultado global acumulado - Movimiento plusval\u00edas / minusval\u00edas (Millones de euros)
Valores representativos de deuda
Instrumentos de patrimonio
Notas
2022
2021
2020
2022
2021
2020
Saldo inicial
1.274
2.069
1.760
(1.079)
(1.256)
(403)
Ganancias y p\u00e9rdidas por valoraci\u00f3n
(2.694)
(1.058)
489
(167)
183
(803)
Importes transferidos a resultados
20
(63)
(72)
Importes transferidos a reservas
(2)
\u2014
(73)
Impuestos sobre beneficios y otros
838
325
(107)
54
(7)
23
Saldo final
30
(562)
1.274
2.069
(1.194)
(1.079)
(1.256)
Durante los ejercicios 2022, 2021 y 2020 no se han producido reclasificaciones significativas desde el ep\u00edgrafe \u201cActivos financieros a
coste amortizado\u201d hacia otros ep\u00edgrafes, ni desde otros ep\u00edgrafes hacia el ep\u00edgrafe \u201cActivos financieros a coste amortizado\u201d.
Valores representativos de deuda
El desglose del saldo del ep\u00edgrafe \u201cValores representativos de deuda\u201d de los balances consolidados adjuntos, por tipo de instrumento
financiero, es el siguiente:
Activos financieros a coste amortizado. Valores representativos de deuda. (Millones de euros)
2022
2021
2020
Coste
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Coste
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Coste\u00a0 \u00a0 \u00a0
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Valores espa\u00f1oles
Deuda del estado y
otras administraciones
p\u00fablicas
18.397
10
(1.330)
17.077
17.693
1.326
(7)
19.013
13.656
1.212
\u2014
14.868
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otras entidades
144
1
(18)
127
337
10
(6)
341
4.835
59
(7)
4.887
Subtotal
18.541
11
(1.348)
17.204
18.031
1.336
(13)
19.353
18.492
1.271
(7)
19.756
Valores extranjeros
M\u00e9xico
10.743
\u2014
\u2014
10.743
8.464
182
(138)
8.508
7.771
534
(16)
8.289
Deuda del estado y
otras administraciones
p\u00fablicas
9.806
\u2014
\u2014
9.806
7.669
170
(131)
7.708
6.963
479
\u2014
7.442
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
745
\u2014
\u2014
745
614
11
\u2014
625
632
55
\u2014
687
Otras entidades
192
\u2014
\u2014
192
181
1
(7)
175
176
\u2014
(16)
160
Estados Unidos
2.412
\u2014
(10)
2.402
93
\u2014
\u2014
93
52
\u2014
(26)
26
Deuda del estado y
otras administraciones
p\u00fablicas
2.159
\u2014
(5)
2.154
10
\u2014
\u2014
10
14
\u2014
\u2014
14
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
28
\u2014
(2)
27
26
\u2014
\u2014
26
23
\u2014
(16)
7
Otras entidades
224
\u2014
(3)
221
57
\u2014
\u2014
57
15
\u2014
(10)
5
Turqu\u00eda
5.332
\u2014
\u2014
5.332
2.634
143
(95)
2.682
3.628
95
(25)
3.698
Deuda del estado y
otras administraciones
p\u00fablicas
5.325
\u2014
\u2014
5.325
2.628
143
(95)
2.676
3.621
95
(25)
3.691
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
6
\u2014
\u2014
6
5
\u2014
\u2014
5
6
\u2014
\u2014
6
Otras entidades
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
1
\u2014
\u2014
1
Otros pa\u00edses
6.578
44
(343)
6.280
5.559
289
(37)
5.812
5.795
505
(1)
6.299
Deuda de otros
estados y otras
administraciones
p\u00fablicas
4.701
32
(311)
4.423
4.144
257
(28)
4.374
4.473
467
(1)
4.939
Bancos centrales
21
\u2014
(1)
21
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
397
2
(11)
389
171
\u2014
\u2014
171
122
\u2014
\u2014
122
Otras entidades
1.458
10
(21)
1.448
1.243
32
(9)
1.267
1.200
38
\u2014
1.238
Subtotal
25.065
45
(353)
24.757
16.750
614
(270)
17.094
17.245
1.134
(68)
18.311
Total
43.606
56
(1.701)
41.961
34.781
1.950
(284)
36.447
35.737
2.405
(75)
38.067
A 31 de diciembre de 2022, 2021 y 2020, la distribuci\u00f3n atendiendo a la calidad crediticia (ratings) de los emisores de los valores
representativos de deuda clasificados como activos financieros a coste amortizado, ha sido la siguiente:
Valores representativos de deuda por rating
2022
2021
2020
Saldo contable
(Millones de
euros)
%
Saldo contable
(Millones de
euros)
%
Saldo contable
(Millones de
euros)
%
AAA
3.068
7,0 %
143
0,4 %
151
0,4 %
AA+
217
0,5 %
77
0,2 %
74
0,2 %
AA
86
0,2 %
76
0,2 %
64
0,2%
AA-
108
0,2 %
69
0,2 %
48
0,1%
A+
13
\u2014 %
62
0,2%
42
\u2014%
A
592
1,4 %
619
1,8 %
590
1,7 %
A-
17.050
39,1 %
16.312
46,9 %
16.736
46,8 %
BBB+
11.037
25,3 %
9.336
26,8 %
7.919
22,2 %
BBB
4.265
9,8 %
3.853
11,1 %
942
2,6 %
BBB-
535
1,2 %
527
1,5 %
4.499
12,6 %
Con rating igual o inferior a BB+
5.967
13,7 %
3.120
9,0 %
3.928
11,0 %
Sin clasificar
667
1,5 %
587
1,7 %
743
2,1 %
Total
43.606
100,0 %
34.781
100,0 %
35.737
100,0 %
Pr\u00e9stamos y anticipos a la clientela
La composici\u00f3n del saldo de este ep\u00edgrafe de los balances consolidados adjuntos, atendiendo a la naturaleza del instrumento
financiero en el que tiene su origen, es la siguiente:
Pr\u00e9stamos y anticipos a la clientela (Millones de euros)
2022
2021
2020
A la vista y con breve plazo de preaviso (cuenta corriente)
4.101
3.161
2.835
Deuda por tarjetas de cr\u00e9dito
18.898
14.030
13.093
Cartera comercial
25.987
19.524
15.544
Arrendamientos financieros
8.571
7.911
7.650
Adquisici\u00f3n temporal de activos
102
23
71
Otros pr\u00e9stamos a plazo
294.059
268.047
267.031
Anticipos distintos de pr\u00e9stamos
6.305
6.243
4.924
Total\u00a0
358.023
318.939
311.147
A 31 de diciembre de 2022, 2021 y 2020 el 51%, el 50% y el 47% respectivamente, de las operaciones de \u201cPr\u00e9stamos y anticipos a la
clientela\u201d con vencimiento superior a un a\u00f1o estaban formalizadas a tipo de inter\u00e9s fijo y el 49%, 50% y 53% a tipo de inter\u00e9s
variable, respectivamente.
Adicionalmente, este ep\u00edgrafe tambi\u00e9n incluye ciertos pr\u00e9stamos que han sido titulizados. Los saldos registrados en los balances
consolidados adjuntos correspondientes a los pr\u00e9stamos titulizados son los siguientes:
Pr\u00e9stamos titulizados (Millones de euros)
2022
2021
2020
Activos hipotecarios titulizados
23.290
23.695
23.953
Otros activos titulizados
5.495
6.547
6.144
Total
28.784
30.242
30.098
A 31 de diciembre de 2022, 2021 y 2020, las principales posiciones cubiertas por el Grupo y los derivados asignados para cubrir
dichas posiciones eran:
\u2013Cobertura de valor razonable:
a.T\u00edtulos de deuda a tipo de inter\u00e9s fijo a valor razonable con cambios en otro resultado global y a coste amortizado: El
riesgo se cubre utilizando derivados de tipo de inter\u00e9s (permutas fijo-variable), y ventas a plazo.
b.T\u00edtulos de deuda de renta fija a largo plazo emitidos por el Banco: El riesgo se cubre utilizando derivados de tipo de
inter\u00e9s (permutas fijo-variable).
c.Pr\u00e9stamos a tipo fijo: El riesgo se cubre utilizando derivados de tipo de inter\u00e9s (permutas fijo-variable).
d.Macro-coberturas de carteras de dep\u00f3sitos prestados a tipo fijo y/o con derivados de inter\u00e9s impl\u00edcito: Se cubre el
riesgo de tipo de inter\u00e9s con permutas fijo-variable. La valoraci\u00f3n de los dep\u00f3sitos prestados correspondiente al riesgo
de tipo de inter\u00e9s se registra en el ep\u00edgrafe \u201cCambios del valor razonable de los elementos cubiertos de una cartera con
cobertura del riesgo del tipo de inter\u00e9s\u201d.
\u2013Coberturas de flujos de efectivo: La mayor\u00eda de las partidas cubiertas son pr\u00e9stamos a tipo de inter\u00e9s variable y coberturas
de activos indexados a la inflaci\u00f3n en las carteras de coste amortizado y a valor razonable con cambios en otro resultado
global. Este riesgo se cubre con permutas de tipo de cambio, de tipo de inter\u00e9s, de inflaci\u00f3n y con FRA (forward rate
agreement).
\u2013Coberturas de inversiones netas en moneda extranjera: Los riesgos cubiertos son las inversiones realizadas en moneda
extranjera por el Banco en las sociedades del Grupo radicadas en el extranjero. Este riesgo se cubre principalmente con
opciones de tipo de cambio y compraventas a plazo de divisa.
En la Nota 7 se analiza la naturaleza de los principales riesgos del Grupo cubiertos a trav\u00e9s de estos instrumentos financieros.
A continuaci\u00f3n se presenta un desglose, por tipo de producto y riesgo cubierto, del valor razonable de los derivados financieros de
cobertura registrados en los balances consolidados adjuntos:
Derivados \u2013 Contabilidad de coberturas. Desglose por tipos de riesgo y tipos de cobertura (Millones de euros)
2022
2021
2020
Activo
Pasivo
Activo
Pasivo
Activo
Pasivo
Tipo de inter\u00e9s
656
376
697
322
989
525
OTC
656
376
697
322
989
525
Mercados organizados
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Instrumentos de patrimonio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
OTC
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Mercados organizados
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Divisas y oro
259
83
463
135
435
350
OTC
259
83
463
135
435
350
Mercados organizados
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Materias primas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros
\u2014
\u2014
\u2014
\u2014
COBERTURAS DE VALOR RAZONABLE
915
459
1.160
457
1.424
874
Tipo de inter\u00e9s
470
2.763
228
1.786
154
1.055
OTC
454
2.763
226
1.786
154
1.041
Mercados organizados
16
2
\u2014
\u2014
15
Instrumentos de patrimonio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Divisas y oro
239
46
180
79
225
55
OTC
239
45
180
79
225
50
Mercados organizados
\u2014
1
\u2014
\u2014
\u2014
5
Cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Materias primas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
COBERTURAS DE FLUJOS DE EFECTIVO
708
2.809
408
1.865
379
1.111
COBERTURA DE LAS INVERSIONES
NETAS EN NEGOCIOS EN EL
EXTRANJERO
213
26
198
196
166
139
COBERTURAS DEL VALOR RAZONABLE
DEL RIESGO DEL TIPO DE INTER\u00c9S DE LA
CARTERA
7
8
18
95
18
170
COBERTURAS DE FLUJOS DE EFECTIVO
DEL RIESGO DE TIPO DE INTER\u00c9S DE LA
CARTERA
48
1
21
13
3
23
DERIVADOS - CONTABILIDAD DE
COBERTURAS
1.891
3.303
1.805
2.626
1.991
2.318
De los cuales:
OTC - entidades de cr\u00e9dito
1.577
2.911
1.454
2.248
1.718
1.965
De los cuales:
OTC - otras sociedades financieras
297
391
349
378
273
333
(1) El saldo correspondiente a coberturas discontinuadas no es significativo.
A continuaci\u00f3n se presenta el calendario de los vencimientos de los nocionales de los instrumentos de cobertura a 31 de diciembre de
2022:
Calendario del importe nominal del instrumento de cobertura (Millones de euros)
Hasta 3
meses
Entre 3
meses y 1
a\u00f1o
Entre 1 a\u00f1o
y 5 a\u00f1os
M\u00e1s de
5 a\u00f1os
Total
COBERTURAS DE VALOR RAZONABLE
2.697
5.629
31.055
12.944
52.325
Del que: Tipo de inter\u00e9s
2.697
5.524
29.031
12.944
50.196
COBERTURAS DE FLUJOS DE EFECTIVO
4.495
17.900
27.732
3.051
53.178
Del que: Tipo de inter\u00e9s
4.430
17.900
25.777
2.932
51.040
COBERTURA DE LAS INVERSIONES NETAS EN
NEGOCIOS EN EL EXTRANJERO
5.292
4.738
\u2014
\u2014
10.031
COBERTURAS DEL VALOR RAZONABLE DEL RIESGO DEL
TIPO DE INTER\u00c9S DE LA CARTERA
87
27
1.609
1.067
2.790
COBERTURAS DE FLUJOS DE EFECTIVO DEL RIESGO DE
TIPO DE INTER\u00c9S DE LA CARTERA
340
140
573
65
1.118
DERIVADOS - CONTABILIDAD DE COBERTURAS
12.912
28.434
60.969
17.128
119.442
Inversiones en negocios conjuntos y asociadasNegocios conjuntos y asociadas
El desglose del saldo del cap\u00edtulo \u201cInversiones en negocios conjuntos y asociadas\u201d de los balances consolidados adjuntos se muestra
a continuaci\u00f3n:
Negocios conjuntos y asociadas. Desglose por entidades (Millones de euros)
2022
2021
2020
Negocios conjuntos
Altura Markets, S.V., S.A.
42
76
77
RCI Colombia
36
40
36
Desarrollo Metropolitanos del Sur, S.L.
\u2014
18
17
Resto de negocios conjuntos
22
18
19
Subtotal
100
152
149
Asociadas
Divarian Propiedad, S.A.U.
\u2014
\u2014
567
Metrovacesa, S.A.
259
259
285
BBVA Allianz Seguros y Reaseguros, S.A.
248
254
250
Atom Holdco Limited
132
77
64
Solaris SE
66
61
39
Cofides
31
28
25
Redsys servicios de procesamiento, S.L.
20
19
14
Servicios Electr\u00f3nicos Globales S.A. de CV
23
15
11
Resto asociadas
37
35
33
Subtotal
816
749
1.288
Total
916
900
1.437
El detalle de los negocios conjuntos y las asociadas a 31 de diciembre de 2022 se muestra en el Anexo II.
Los movimientos que han tenido lugar durante los ejercicios 2022, 2021 y 2020, en este cap\u00edtulo de los balances consolidados
adjuntos se resumen a continuaci\u00f3n:
Negocios conjuntos y asociadas. Movimientos del ejercicio (Millones de euros)
Notas
2022
2021
2020
Saldo inicial
900
1.437
1.488
Sociedades adquiridas y ampliaciones de capital
87
22
257
Sociedades enajenadas y reducciones de capital
(88)
(1)
(47)
Traspasos y cambios en el m\u00e9todo de consolidaci\u00f3n
\u2014
(559)
(7)
Resultados
39
20
1
(39)
Diferencias de cambio
(1)
9
(27)
Dividendos, ajustes por valoraci\u00f3n y otros
(2)
(9)
(188)
Saldo final
916
900
1.437
(1) La variaci\u00f3n en 2022 se debe principalmente al cierre de la transacci\u00f3n con Merlin Properties por la cual el Grupo BBVA adquiri\u00f3 100% de las acciones de Tree Inversiones
Inmobiliarias, SOCIMI, S.A.
(2) La variaci\u00f3n en 2022 se debe principalmente al impacto de la aplicaci\u00f3n de la NIC 29 en Turqu\u00eda (ver Nota 2.2.19).
Activos tangibles: Composici\u00f3n y movimientos del ejercicio 2021 (Millones de euros)
Derecho de uso
Inversiones
inmobiliarias
Cedidos en
arrendamiento
operativo
Total
Notas
Terrenos y
edificios
Obras en
curso
Mobiliario,
instalaciones
y veh\u00edculos
Inmovilizado
de uso
propio
Inversiones
inmobiliarias
Coste
Saldo inicial
4.380
52
5.515
3.061
123
201
345
13.677
Adiciones
58
31
262
230
4
\u2014
\u2014
585
Retiros
(5)
(1)
(281)
(59)
\u2014
(1)
\u2014
(347)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(112)
(8)
(29)
(34)
35
1
\u2014
(147)
Diferencia de cambio y otros
29
(7)
(79)
(44)
\u2014
(54)
(78)
(233)
Saldo final
4.350
67
5.388
3.154
162
147
267
13.535
Amortizaci\u00f3n acumulada
Saldo inicial
833
\u2014
3.859
582
27
16
54
5.371
Dotaciones
45
79
\u2014
358
284
15
4
\u2014
740
Dotaciones traspasadas a
operaciones interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros
(19)
\u2014
(259)
(16)
\u2014
(4)
\u2014
(298)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(23)
\u2014
(17)
(5)
5
1
\u2014
(39)
Diferencia de cambio y otros
30
\u2014
(108)
(34)
\u2014
\u2014
(21)
(134)
Saldo final
900
\u2014
3.833
811
47
17
33
5.641
Deterioro
Saldo inicial
149
\u2014
\u2014
274
26
34
\u2014
483
Adiciones (1)
49
\u2014
\u2014
1
151
8
1
\u2014
161
Adiciones traspasadas a
operaciones interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(24)
\u2014
17
\u2014
\u2014
2
\u2014
(5)
Diferencia de cambio y otros
(11)
\u2014
(18)
2
\u2014
(16)
\u2014
(43)
Saldo final
114
\u2014
\u2014
427
34
21
\u2014
596
Activos tangibles neto
Saldo inicial
3.398
52
1.656
2.205
70
151
291
7.823
Saldo final
3.336
67
1.555
1.916
81
109
234
7.298
(1) En 2021 incluye correcciones de valor de derechos de uso por el cierre de las oficinas alquiladas tras el acuerdo con la representaci\u00f3n legal de los trabajadores sobre el
procedimiento de despido colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a (ver Notas 24 y 49).
Activos tangibles: Composici\u00f3n y movimientos del ejercicio 2020 (Millones de euros)
Derecho de uso
Total
Notas
Terrenos
y
edificios
Obras en
curso
Mobiliario,
instalaciones
y veh\u00edculos
Inmovilizado
de uso propio
Inversiones
inmobiliarias
Inversiones
inmobiliarias
Cedidos en
arrendamiento
operativo
Coste
Saldo inicial
6.001
56
6.351
3.516
101
216
337
16.578
Adiciones
157
54
255
183
0
2
\u2014
651
Retiros
(10)
(23)
(294)
(157)
(3)
(11)
\u2014
(498)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta (1)
(925)
(31)
(366)
(294)
\u2014
\u2014
\u2014
(1.616)
Traspasos
(248)
(2)
(5)
(60)
25
18
\u2014
(272)
Diferencia de cambio y otros
(595)
(2)
(426)
(127)
\u2014
(24)
8
(1.166)
Saldo final
4.380
52
5.515
3.061
123
201
345
13.677
Amortizaci\u00f3n acumulada
Saldo inicial
1.253
\u2014
4.344
370
11
15
74
6.067
Dotaciones
45
83
\u2014
370
312
12
3
1
781
Dotaciones traspasadas a
operaciones interrumpidas (1)
24
\u2014
20
32
\u2014
\u2014
\u2014
76
Retiros
(2)
\u2014
(248)
(10)
\u2014
\u2014
\u2014
(260)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta (1)
(373)
\u2014
(321)
(71)
\u2014
\u2014
\u2014
(765)
Traspasos
(42)
\u2014
(12)
(9)
4
1
\u2014
(58)
Diferencia de cambio y otros
(110)
\u2014
(294)
(42)
\u2014
(3)
(21)
(470)
Saldo final
833
\u2014
3.859
582
27
16
54
5.371
Deterioro
Saldo inicial
212
\u2014
\u2014
191
14
26
\u2014
443
Adiciones
49
18
\u2014
26
68
12
1
\u2014
125
Retiros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta (1)
(8)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(8)
Traspasos
(68)
\u2014
\u2014
10
\u2014
7
\u2014
(51)
Diferencia de cambio y otros
(5)
\u2014
(26)
5
\u2014
\u2014
\u2014
(26)
Saldo final
149
\u2014
\u2014
274
26
34
\u2014
483
Activos tangibles neto
Saldo inicial
4.536
56
2.007
2.955
76
175
263
10.068
Saldo final
3.398
52
1.656
2.205
70
151
290
7.823
(1) El saldo corresponde principalmente a las sociedades del Grupo que estaban en proceso de venta en Estados Unidos incluidas en la venta a PNC (ver Notas 3 y 21).
El derecho de uso corresponde principalmente al alquiler de los inmuebles y locales para la red de oficinas localizados en los pa\u00edses
donde el Grupo ejerce su negocio cuyo periodo medio se sit\u00faa entre 5 y 20 a\u00f1os. Las cl\u00e1usulas de los contratos de alquiler
corresponden en gran parte a contratos de alquiler en condiciones habituales de mercado en el pa\u00eds donde se alquila el bien.
A 31 de diciembre de 2022, 2021 y 2020, el coste de los activos tangibles totalmente amortizados que continuaban en uso era de
2.443, 2.318 y 2.299 millones de euros, respectivamente, siendo su valor recuperable residual no significativo.
A 31 de diciembre de 2022, 2021 y 2020, el importe del activo tangible en r\u00e9gimen de arrendamiento financiero sobre el que se espera
ejercitar la opci\u00f3n de compra no era significativo. La actividad principal del Grupo se realiza a trav\u00e9s de una red de oficinas,
localizadas geogr\u00e1ficamente tal y como se muestra en el siguiente cuadro:
Oficinas por \u00e1rea geogr\u00e1fica (n\u00famero de oficinas)
2022
2021
2020
Espa\u00f1a (1)
1.886
1.895
2.482
M\u00e9xico
1.733
1.716
1.746
Am\u00e9rica del Sur
1.418
1.434
1.514
Estados Unidos
\u2014
\u2014
639
Turqu\u00eda
972
1.006
1.021
Resto
31
32
30
Total
6.040
6.083
7.432
(1) La variaci\u00f3n en el ejercicio 2021 se debe principalmente al cierre de las oficinas alquiladas tras el acuerdo con la representaci\u00f3n legal de los trabajadores sobre el
procedimiento de despido colectivo (ver Notas 24 y 49).
A continuaci\u00f3n se presenta el desglose del valor neto contable de los activos tangibles correspondientes a sociedades espa\u00f1olas y
extranjeras a 31 de diciembre de 2022, 2021 y 2020:
Activos tangibles por sociedades espa\u00f1olas y extranjeras. Valores netos contables (Millones de euros)
2022 \u207d\u00b9\u207e
2021 \u207d\u00b2\u207e
2020
BBVA y sociedades dependientes espa\u00f1olas
4.285
3.873
4.294
Sociedades dependientes extranjeras
4.452
3.425
3.529
Total
8.737
7.298
7.823
(1) Desde el acuerdo de la venta de BBVA USA, Estados Unidos dej\u00f3 de tener la consideraci\u00f3n de UGE (Ver Nota 3).
(2) Como consecuencia de la aplicaci\u00f3n de la NIC 29 tal y como indica la Nota 2.2.19, el valor en libros de UGE de Turqu\u00eda se ha incrementado por encima del valor recuperable
existente a 31 de diciembre de 2021, con lo que se ha procedido a la baja del fondo de comercio, as\u00ed como a la baja de otros activos intangibles (ver Nota 18.2) asignados a la UGE
de Turqu\u00eda.
Combinaciones de negocio
No se han producido combinaciones de negocio significativas durante los ejercicios 2022, 2021 y 2020.
Test de deterioro
Tal y como se menciona en la Nota 2.2.7, las UGE a las que se han asignado los fondos de comercio se analizan peri\u00f3dicamente,
incluyendo en su valor en libros la parte del fondo de comercio asignada, para determinar si se han deteriorado.
Este an\u00e1lisis se realiza al menos anualmente, o siempre que existan indicios de deterioro. Asimismo, se analiza si, ciertos cambios en
las hip\u00f3tesis de valoraci\u00f3n utilizadas, podr\u00edan dar lugar a diferencias en el resultado del test de deterioro.
El Grupo realiza estimaciones del valor recuperable de determinadas UGE calculando su valor en uso mediante el descuento de
proyecciones de flujos de efectivo.
Las principales hip\u00f3tesis utilizadas para el c\u00e1lculo del valor en uso son:
\u2013Las proyecciones de los flujos de caja, incluyendo margen de intereses y coste de riesgo, estimados por la Direcci\u00f3n del
Grupo, basadas en los \u00faltimos presupuestos disponibles para los pr\u00f3ximos de 4 a 5 a\u00f1os los cuales tienen en consideraci\u00f3n
variables microecon\u00f3micas de cada UGE considerando la estructura de balance existente, as\u00ed como variables
macroecon\u00f3micas como la evoluci\u00f3n de tipos de inter\u00e9s y del PIB de la geograf\u00eda donde la UGE se encuentra localizada,
entre otras.
\u2013La tasa de crecimiento constante para extrapolar los flujos de caja, a partir del cuarto o quinto a\u00f1o, m\u00e1s all\u00e1 del periodo
cubierto por los presupuestos o previsiones.
\u2013La tasa para descontar los flujos de caja futuros, que coincide con el coste de capital asignado a cada UGE, y que se
compone de una tasa libre de riesgo m\u00e1s una prima que refleja el riesgo inherente de cada uno de los negocios evaluados.
El enfoque utilizado por la Direcci\u00f3n del Grupo para determinar los valores de las hip\u00f3tesis est\u00e1 basado tanto en sus proyecciones
como en la experiencia pasada. Dichos valores son contrastados con fuentes de informaci\u00f3n externas, en la medida en la que \u00e9stas
est\u00e9n disponibles.
Fondo de comercio - UGE M\u00e9xico
El fondo de comercio m\u00e1s significativo del Grupo corresponde a la UGE de M\u00e9xico. Las hip\u00f3tesis m\u00e1s significativas usadas en el test
de deterioro de dicha UGE a 31 de diciembre de 2022, 2021 y 2020 son:
Hip\u00f3tesis test de deterioro fondo de comercio UGE - M\u00e9xico
2022
2021
2020
Tasa de descuento (1)
12,7 %
14,5 %
15,3 %
Tasa de crecimiento
6,3 %
5,7 %
5,7 %
(1) El uso de tasas de descuento o de crecimiento muy diferentes ser\u00eda inconsistente con las hip\u00f3tesis macroecon\u00f3micas bajo las cuales la Unidad construye su plan de negocio,
tales como hip\u00f3tesis de inflaci\u00f3n o curvas de tipos de inter\u00e9s empleadas para la determinaci\u00f3n de los flujos de caja.
Fondo de comercio - UGE Turqu\u00eda
Como consecuencia de la aplicaci\u00f3n de la NIC 29 tal y como indica la Nota 2.2.19, en 2022 el valor en libros de UGE de Turqu\u00eda se ha
incrementado por encima del valor recuperable existente a 31 de diciembre de 2021, con lo que se ha procedido a la baja del fondo de
comercio, as\u00ed como a la baja de otros activos intangibles (ver Nota 18.2) asignados a la UGE de Turqu\u00eda.
Las hip\u00f3tesis m\u00e1s significativas usadas en el test de deterioro de dicha UGE a 31 de diciembre de 2021 fueron una tasa de descuento
(despu\u00e9s de impuestos) del 27,7% y una tasa de crecimiento del 7,0% (21,0% y 7,0%, respectivamente a 31 de diciembre de 2020).
Fondo de comercio \u2013 UGE Estados Unidos
Desde la venta de BBVA USA en 2021, Estados Unidos ya no tiene la consideraci\u00f3n de UGE (Ver Nota 3).
A 31 de marzo de 2020, se identificaron indicadores de deterioro del fondo de comercio en la UGE de Estados Unidos y como
resultado de la valoraci\u00f3n de los fondos de comercio, el Grupo registr\u00f3 un deterioro en la UGE de Estados Unidos que ascendi\u00f3 a
2.084 millones de euros, fundamentalmente debido al impacto negativo por la actualizaci\u00f3n del escenario macroecon\u00f3mico afectado
por la pandemia COVID-19 y a la evoluci\u00f3n esperada de los tipos de inter\u00e9s. Este registro no afect\u00f3 ni al patrimonio neto tangible, ni a
la liquidez, ni al capital del Grupo.
Las hip\u00f3tesis m\u00e1s significativas usadas en el test de deterioro de dicha UGE a 31 de marzo de 2020 fueron una tasa de descuento
(despu\u00e9s de impuestos) del 10,3% y una tasa de crecimiento del 3,0%.
Fondo de comercio \u2013 Resto de UGE
Los test de deterioro llevados a cabo sobre el resto de las UGE no han detectado deterioros significativos. Del mismo modo que los
an\u00e1lisis de sensibilidades sobre las principales hip\u00f3tesis llevados a cabo sobre el resto de las UGE del Grupo indican que el valor en
uso continuar\u00eda excediendo su valor en libros.
Otros activos intangibles
La composici\u00f3n del saldo de este cap\u00edtulo de los balances consolidados adjuntos, seg\u00fan la naturaleza de las partidas que los integran,
se muestra a continuaci\u00f3n:
Otros activos intangibles (Millones de euros)
2022
2021
2020
Gastos de adquisici\u00f3n de aplicaciones inform\u00e1ticas
1.393
1.239
1.202
Otros activos intangibles de vida indefinida
13
12
12
Otros activos intangibles de vida definida
43
128
221
Total
1.449
1.379
1.435
El movimiento de este ep\u00edgrafe registrado durante los ejercicios de 2022, 2021 y 2020, se muestra a continuaci\u00f3n:
Otros activos intangibles (Millones de euros)
Notas
Aplicaciones inform\u00e1ticas
Otros activos intangibles
Total activos intangibles
2022
2021
2020
2022
2021
2020
2022
2021
2020
Saldo inicial
1.239
1.202
1.598
140
233
412
1.379
1.435
2.010
Adiciones e incorporaciones al grupo
592
470
452
\u2014
\u2014
8
592
470
460
Amortizaci\u00f3n del ejercicio
45
(490)
(446)
(448)
(20)
(48)
(59)
(510)
(494)
(507)
Amortizaciones traspasadas a
operaciones interrumpidas (1)
\u2014
\u2014
(77)
\u2014
\u2014
(3)
\u2014
\u2014
(80)
Diferencias de cambio y otros
80
29
(38)
(63)
(45)
(91)
17
(16)
(129)
Deterioro
(25)
(15)
(6)
\u2014
\u2014
\u2014
(25)
(15)
(6)
Bajas por sociedades en proceso
de venta (1)
\u2014
\u2014
(279)
\u2014
\u2014
(34)
\u2014
\u2014
(313)
Saldo final
1.396
1.239
1.202
56
140
233
1.453
1.379
1.435
(1) Calculada aplicando la diferencia entre el tipo impositivo vigente en Espa\u00f1a y el aplicado al resultado del Grupo en cada jurisdicci\u00f3n.
(2) Por lo que se refiere al ejercicio 2020 este importe corresponde principalmente al impacto del deterioro del fondo de comercio de la UGE de Estados Unidos que ascendi\u00f3 a
2.084 millones de euros. Dicho impacto no tuvo asociado ning\u00fan abono en el gasto por Impuesto sobre Sociedades (una vez aplicado el tipo impositivo del 30%, el efecto
ascendi\u00f3 a 625 millones de euros).
El tipo fiscal efectivo para el Grupo durante los ejercicios de 2022, 2021 y 2020, se indica a continuaci\u00f3n:
Tipo fiscal efectivo (Millones de euros)
2022
2021
2020
Resultado de:
Grupo fiscal consolidado BBVA en Espa\u00f1a
2.222
655
259
Otras entidades espa\u00f1olas
(462)
5
7
Entidades extranjeras
8.596
6.587
4.982
Ganancias (p\u00e9rdidas) antes de impuestos procedentes de las
actividades continuadas
10.356
7.247
5.248
Gastos o ingresos por impuestos sobre las ganancias actividades
continuadas
3.529
1.909
1.459
Tipo fiscal efectivo
34,1 %
26,3 %
27,8 %
En el ejercicio 2022, en t\u00e9rminos generales, en los principales pa\u00edses en los que el Grupo tiene presencia, no se han producido
cambios de tipo nominal de gravamen en el Impuesto sobre Sociedades, respecto a los existentes en el per\u00edodo anterior, salvo en el
caso de Colombia donde el tipo de gravamen aplicable ha pasado del 34% del a\u00f1o anterior al 38%, y teniendo en cuenta que en
Turqu\u00eda se ha mantenido el tipo de gravamen del 25%. Por otro lado, en el ejercicio 2021, los cambios de tipo nominal de gravamen en
el Impuesto sobre Sociedades, respecto a los existentes en el ejercicio anterior, en los principales pa\u00edses en los que el Grupo tiene
presencia, fueron en Turqu\u00eda (del 22% al 25%), Argentina (del 30% al 35%) y Colombia (del 36% al 34%).
Impuestos repercutidos en el patrimonio neto
Independientemente de los impuestos sobre beneficios registrados en las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas, el
Grupo registr\u00f3 en su patrimonio neto consolidado las siguientes cargas fiscales, por los siguientes conceptos:
Impuesto repercutido en patrimonio neto (Millones de euros)
2022
2021
2020
Cargos/abonos a patrimonio neto
Valores representativos de deuda y otros
701
(174)
(230)
Instrumentos de patrimonio
(56)
(33)
(43)
Total
645
(207)
(273)
Impuestos corrientes y diferidos
Dentro del saldo del ep\u00edgrafe \u201cActivos por impuestos\u201d de los balances consolidados adjuntos se incluyen los saldos deudores frente a
la Hacienda P\u00fablica correspondientes a los activos por impuestos corrientes y diferidos. Dentro del saldo del ep\u00edgrafe \u201cPasivos por
impuestos\u201d se incluyen los saldos acreedores correspondiente a los diferentes impuestos corrientes y diferidos del Grupo. El detalle
de los mencionados activos y pasivos por impuestos se indica a continuaci\u00f3n:
Activos y pasivos por impuestos (Millones de euros)
2022
2021
2020
Activos por impuestos
Activos por impuestos corrientes (1)
1.978
932
1.199
Activos por impuestos diferidos
14.494
14.917
15.327
Pensiones
422
416
439
Instrumentos financieros
1.302
1.408
1.292
Correcciones de valor
1.834
1.676
1.683
Otros
1.184
1.101
1.069
Activos por impuestos garantizados
8.689
9.304
9.361
P\u00e9rdidas tributarias
1.063
1.012
1.483
Total
16.472
15.850
16.526
Pasivos por impuestos
Pasivos por impuestos corrientes (1)
1.415
644
545
Pasivos por impuestos diferidos
1.326
1.769
1.809
Instrumentos financieros
568
1.124
908
Otros
758
645
901
Total
2.742
2.413
2.355
A 31 de diciembre de 2022, la cifra total de activos por impuestos diferidos netos no garantizados asciende a 4.478 millones de euros
(3.844 y 4.156 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente), cuyo desglose por las principales \u00e1reas
geogr\u00e1ficas es el siguiente:
\u2013Espa\u00f1a: Los activos por impuestos diferidos netos reconocidos en Espa\u00f1a ascienden a 2.407 millones de euros a 31 de
diciembre de 2022 (2.342 y 2.590 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente). De la cifra
registrada al cierre del ejercicio de 2022 de activos por impuestos diferidos netos, 1.050 millones de euros corresponden a
cr\u00e9ditos fiscales por bases imponibles negativas y deducciones y 1.357 millones de euros han surgido como diferencias
temporarias.
\u2013M\u00e9xico: Los activos por impuestos diferidos netos reconocidos en M\u00e9xico ascienden a 1.628 millones de euros a 31 de
diciembre de 2022 (1.121 y 1.036 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente). Pr\u00e1cticamente la
totalidad de los activos por impuestos diferidos registrados a 31 de diciembre de 2022 han surgido como diferencias
temporarias.
\u2013Am\u00e9rica del Sur: Los activos por impuestos diferidos netos reconocidos en Am\u00e9rica del Sur ascienden a 198 millones de
euros a 31 de diciembre de 2022 (65 y 126 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente).
Pr\u00e1cticamente la totalidad de los activos por impuestos diferidos han surgido como diferencias temporarias.
\u2013Turqu\u00eda: Los activos por impuestos diferidos netos reconocidos en Turqu\u00eda ascienden a 228 millones de euros a 31 de
diciembre de 2022 (302 y 395 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente). La totalidad de los
activos por impuestos diferidos han surgido como diferencias temporarias.
En base a la informaci\u00f3n disponible a 31 de diciembre de 2022, que incluye los niveles hist\u00f3ricos de beneficios y las proyecciones de
resultados de las que dispone el Grupo para los pr\u00f3ximos 15 a\u00f1os, se ha revisado el plan de recuperabilidad de activos y pasivos por
impuestos diferidos y se considera que existen claras evidencias positivas, superiores a las negativas, de que se generar\u00e1n bases
imponibles positivas suficientes para recuperar los citados activos por impuestos diferidos no garantizados cuando resulten
deducibles en funci\u00f3n de la legislaci\u00f3n fiscal.
Por otro lado, el Grupo no ha reconocido contablemente determinadas bases imponibles negativas y deducciones para las que, con
car\u00e1cter general, no existe plazo legal de compensaci\u00f3n, por un importe aproximado de 2.048 millones de euros (en t\u00e9rminos de
cuota), que tienen como origen principalmente la integraci\u00f3n de Catalunya Banc.
Otras contribuciones
Con fecha 28 de diciembre de 2022 se ha publicado en el Bolet\u00edn Oficial de Estado la Ley para el establecimiento del gravamen
temporal de entidades de cr\u00e9dito y establecimientos financieros de cr\u00e9dito.
Esta ley establece la obligatoriedad de satisfacer una prestaci\u00f3n patrimonial de car\u00e1cter p\u00fablico y naturaleza no tributaria durante los
a\u00f1os 2023 y 2024 para las entidades de cr\u00e9dito que operen en territorio espa\u00f1ol cuya suma de ingresos por intereses y comisiones
correspondiente al a\u00f1o 2019 sea igual o superior a 800 millones de euros.
El importe de la prestaci\u00f3n a satisfacer ser\u00e1 el resultado de aplicar el porcentaje del 4,8 por ciento a la suma del margen de intereses
y de los ingresos y gastos por comisiones derivados de la actividad desarrollada en Espa\u00f1a y que figuren en la cuenta de p\u00e9rdidas y
ganancias del grupo de consolidaci\u00f3n fiscal al que pertenece la entidad de cr\u00e9dito correspondiente al a\u00f1o natural anterior al de
nacimiento de la obligaci\u00f3n de pago. La obligaci\u00f3n de pago nace el primer d\u00eda del a\u00f1o natural de los ejercicios 2023 y 2024.
El impacto estimado correspondiente al ejercicio 2023 es de 225 millones de euros y ha sido contabilizado el 1 de enero de 2023 en la
partida de \"Otros gastos de explotaci\u00f3n\" de la cuenta de p\u00e9rdidas y gananciasOtros activos y pasivos
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es:
Otros activos y pasivos (Millones de euros)
2022
2021
2020
ACTIVOS
Existencias
325
424
572
Operaciones en camino
93
131
160
Periodificaciones
1.490
730
756
Resto de otros conceptos
706
649
1.025
Total
2.614
1.934
2.513
PASIVOS
Operaciones en camino
44
48
75
Periodificaciones
2.566
2.137
1.584
Resto de otros conceptos (1)
2.269
1.436
1.144
Total
4.880
3.621
2.802
(1) Los incrementos de saldos se deben fundamentalmente a partidas pendientes de liquidar con Banco en Espa\u00f1a.
Activos y pasivos no corrientes y grupos enajenables de elementos que se han
clasificado como mantenidos para la venta
El desglose de los saldos de los cap\u00edtulos \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta\u201d y \u201cPasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la
venta\u201d de los balances consolidados adjuntos, en funci\u00f3n de la procedencia de los mismos, se muestra a continuaci\u00f3n:
Activos y pasivos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta.
Desglose por conceptos (Millones de euros)
2022
2021
2020
ACTIVOS
Adjudicaciones o recuperaciones por impagos
1.070
1.218
1.398
Activos procedentes del inmovilizado material (1)
1.063
563
480
Sociedades en proceso de venta (2)
40
41
84.792
Amortizaci\u00f3n acumulada (3)
(93)
(112)
(89)
Deterioro del valor (1)
(1.057)
(650)
(594)
Total\u00a0
1.022
1.061
85.987
PASIVOS
Sociedades en proceso de venta (2)
\u2014
\u2014
75.446
Total\u00a0
\u2014
\u2014
75.446
(1) La variaci\u00f3n en 2022 se debe principalmente a la reclasificaci\u00f3n de oficinas antes en uso propio y ahora desafectas de uso tras al cierre de la transacci\u00f3n con Merlin Properties
(ver Nota 17). En 2021 incluye la reclasificaci\u00f3n de oficinas en propiedad e instalaciones desde \"Activos tangibles\" a \"Activos no corrientes y grupos enajenables de elementos que
se han clasificado como mantenidos para la venta\" y las correcciones de valor por el cierre de las oficinas en propiedad y la baja de instalaciones tras el acuerdo con la
representaci\u00f3n legal de los trabajadores sobre el procedimiento de despido colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a (ver Notas 24 y 50).
(2) El saldo del ejercicio 2020 corresponde principalmente a la participaci\u00f3n en BBVA USA (ver Nota 3).
(3) Corresponde a la amortizaci\u00f3n acumulada de los activos antes de su clasificaci\u00f3n como \"Activos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta\".
Activos y pasivos asociados a operaciones interrumpidas
Tal y como se menciona en la Nota 3, durante el ejercicio 2020 se anunci\u00f3 el acuerdo para la venta de la filial de BBVA en Estados
Unidos que se complet\u00f3 el 1 de junio de 2021. Los saldos de los activos y pasivos correspondientes a las 37 sociedades vendidas
fueron reclasificados a los ep\u00edgrafes \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta\u201d y \u201cPasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la
venta\u201d del balance consolidado a 31 de diciembre de 2020 y los resultados de estas sociedades correspondientes a los primeros
cinco meses del ejercicio 2021 y el ejercicio 2020, fueron registrados en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas) despu\u00e9s de impuestos
procedentes de actividades interrumpidas\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas de dichos ejercicios.
A continuaci\u00f3n, se incluyen los balances resumidos consolidados para los ejercicios 2021 y 2020, las cuentas de p\u00e9rdidas y ganancias
resumidas consolidadas y los estados de flujos de efectivo resumidos consolidados de las sociedades vendidas de Estados Unidos
para los cinco primeros meses del ejercicio 2021 y el ejercicio 2020:
Balances resumidos consolidados de sociedades vendidas de Estados Unidos
BALANCES RESUMIDOS CONSOLIDADOS (Millones de euros)
2021
2020
Efectivo, saldos en efectivo en bancos centrales y otros dep\u00f3sitos a la vista
\u2014
11.368
Activos financieros mantenidos para negociar
\u2014
821
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable
con cambios en resultados
\u2014
13
Activos financieros a valor razonable con cambios en otro resultado global
\u2014
4.974
Activos financieros a coste amortizado
\u2014
61.558
Derivados - contabilidad de coberturas
\u2014
9
Activos tangibles
\u2014
799
Activos intangibles
\u2014
1.949
Activos por impuestos
\u2014
360
Otros activos
\u2014
1.390
Activos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta
\u2014
16
TOTAL ACTIVO
\u2014
83.257
Pasivos financieros mantenidos para negociar
\u2014
98
Pasivos financieros a coste amortizado
\u2014
73.132
Derivados - contabilidad de coberturas
\u2014
2
Provisiones
\u2014
157
Pasivos por impuestos
\u2014
201
Otros pasivos
\u2014
492
TOTAL PASIVO
\u2014
74.082
Ganancias (p\u00e9rdidas) actuariales en planes de pensiones de prestaciones definidas
\u2014
(66)
Cobertura de inversiones netas en negocios en el extranjero (porci\u00f3n efectiva)
\u2014
(432)
Conversi\u00f3n de divisas
\u2014
801
Derivados de cobertura. Coberturas de flujos de efectivo (porci\u00f3n efectiva)
\u2014
250
Cambios del valor razonable de los instrumentos de deuda valorados a valor razonable con
cambios en otro resultado global
\u2014
70
OTRO RESULTADO GLOBAL ACUMULADO
\u2014
622
Cuentas de p\u00e9rdidas y ganancias resumidas consolidadas de sociedades vendidas de Estados Unidos
CUENTAS DE P\u00c9RDIDAS Y GANANCIAS RESUMIDAS CONSOLIDADAS (Millones de euros)
2021 \u207d\u00b9\u207e
2020
Ingresos por intereses y otros ingresos similares
974
2.638
Gastos por intereses
(53)
(429)
MARGEN DE INTERESES
921
2.209
Ingresos por dividendos
2
4
Ingresos por comisiones
285
677
Gastos por comisiones
(86)
(183)
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos y pasivos financieros no valorados a valor
razonable con cambios en resultados, netas
(4)
19
Ganancias (p\u00e9rdidas) por activos y pasivos financieros mantenidos para negociar, netas
26
90
Ganancias (p\u00e9rdidas) por activos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados, netas
2
8
Ganancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con cambios
en resultados, netas
2
5
Ganancias (p\u00e9rdidas) resultantes de la contabilidad de coberturas, netas
(1)
4
Diferencias de cambio, netas
5
19
Otros ingresos de explotaci\u00f3n
9
19
Otros gastos de explotaci\u00f3n
(30)
(63)
MARGEN BRUTO
1.132
2.808
Gastos de administraci\u00f3n
(661)
(1.462)
Amortizaci\u00f3n
(80)
(205)
Provisiones o reversi\u00f3n de provisiones
4
2
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no valorados a valor
razonable con cambios en resultados y p\u00e9rdidas o ganancias netas por modificaci\u00f3n
(66)
(729)
RESULTADO DE LA ACTIVIDAD DE EXPLOTACI\u00d3N
330
413
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos no financieros
\u2014
(2.084)
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos no financieros y participaciones, netas
(2)
(3)
Ganancias (p\u00e9rdidas) procedentes de activos no corrientes y grupos enajenables de elementos
clasificados como mantenidos para la venta no admisibles como actividades interrumpidas
3
2
GANANCIAS (P\u00c9RDIDAS) ANTES DE IMPUESTOS
330
(1.671)
Gastos o ingresos por impuestos sobre las ganancias
(80)
(57)
GANANCIAS (P\u00c9RDIDAS) DESPU\u00c9S DE IMPUESTOS
250
(1.729)
Ganancias (p\u00e9rdidas) despu\u00e9s de impuestos procedentes de la venta
29
\u2014
RESULTADO DEL PERIODO
280
(1.729)
ATRIBUIBLE A INTERESES MINORITARIOS (PARTICIPACIONES NO DOMINANTES)
\u2014
\u2014
ATRIBUIBLE A LOS PROPIETARIOS DE LA DOMINANTE (2)
280
(1.729)
(1) Saldos correspondientes a los cinco primeros meses del ejercicio 2021 (ver Nota 3).
(2) El beneficio acumulado neto de impuestos devengados y reconocidos por el Grupo BBVA en relaci\u00f3n con la venta de BBVA USA Bancshares fue de 582 millones de euros,
correspondiente a los resultados generados por el per\u00edmetro societario de la venta, desde la fecha del acuerdo hasta el cierre de la operaci\u00f3n, m\u00e1s las ganancias despu\u00e9s de
impuestos procedentes de la venta al cierre del per\u00edodo.
Estados de flujos de efectivo resumidos consolidados de sociedades vendidas de Estados Unidos
ESTADOS DE FLUJOS DE EFECTIVO RESUMIDOS CONSOLIDADO (Millones de euros)
2021 \u207d\u00b9\u207e
2020
A) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE EXPLOTACI\u00d3N
62
6.874
B) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE INVERSI\u00d3N
(34)
(145)
C) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE FINANCIACI\u00d3N
(26)
(65)
D) EFECTO DE LAS VARIACIONES DE LOS TIPOS DE CAMBIO
60
(974)
AUMENTO (DISMINUCI\u00d3N) NETO DEL EFECTIVO Y EQUIVALENTES (A+B+C+D)
62
5.690
(1) Saldos correspondientes a los cinco primeros meses del ejercicio 2021 (ver Nota 3).
Efecto de la baja en la posici\u00f3n financiera del Grupo
EFECTOS DE LA BAJA EN LA POSICI\u00d3N FINANCIERA DEL GRUPO (Millones de euros)
Junio
2021
Efectivo, saldos en bancos centrales y otros dep\u00f3sitos a la vista
(11.476)
Activos financieros mantenidos para negociar
(638)
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable con cambios en
resultados
(15)
Activos financieros a valor razonables con cambios en resultado global
(4.620)
Activos financieros a coste amortizado
(61.440)
Derivados \u2013 contabilidad de coberturas
(8)
Activos tangibles
(788)
Activos intangibles
(1.938)
Activos por impuestos
(349)
Otros activos
(1.439)
Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta
(10)
Total activos
(82.720)
Pasivos financieros mantenidos para negociar
129
Pasivos financieros a coste amortizado
72.357
Provisiones
156
Pasivos por impuestos
207
Otros pasivos
491
Total pasivos
73.341
Total activos/pasivos netos
(9.378)
EFECTOS EN SALIDAS DE FLUJOS DE OPERACIONES INTERRUMPIDAS - EE.UU. (Millones de euros)
Junio
2021
Contraprestaci\u00f3n total recibida en efectivo
9.512
Efectivo y equivalentes al efectivo enajenados
(11.476)
Total salidas de flujos netas de operaciones interrumpidas - EE.UU.
(1.964)
EFECTO DE LAS VENTAS M\u00c1S SIGNIFICATIVAS DE LOS ACTIVOS NO CORRIENTES EN VENTA DEL GRUPO BBVA
REFLEJADOS EN EL ESTADO DE FLUJOS DE EFECTIVO CONSOLIDADO (Millones de euros)
Diciembre
2021
Contraprestaci\u00f3n total recibida en efectivo - EE.UU.
9.512
Contraprestaci\u00f3n total recibida en efectivo - Divarian
513
Contraprestaci\u00f3n total recibida en efectivo - Paraguay
210
Resto de cobros de activos y pasivos no corrientes en venta
435
Total cobros de activos y pasivos no corrientes en venta
10.670
Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la
venta
Los movimientos de los saldos de este cap\u00edtulo en los ejercicios 2022, 2021 y 2020, fueron los siguientes:
Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta (Millones de euros)
Notas
Activos adjudicados
Activos procedentes de
inmovilizado material (1)
Sociedades en proceso de
venta (2)
Total
Coste (a)
2022
2021
2020
2022
2021
2020
2022
2021
2020
2022
2021
2020
Saldo inicial
1.218
1.398
1.648
452
391
258
41
84.792
1.716
1.711
86.581
3.622
Adiciones
211
245
285
1
\u2014
\u2014
2
522
83.266
214
768
83.551
Aportaciones por incorporaci\u00f3n de sociedades
al Grupo
\u2014
\u2014
\u2014
592
\u2014
\u2014
\u2014
\u2014
\u2014
592
\u2014
\u2014
Retiros (ventas y otras bajas)
(353)
(298)
(288)
(110)
(39)
(45)
(2)
(83.172)
(190)
(465)
(83.509)
(523)
Traspasos, otros movimientos y diferencias de
cambio (2)
(6)
(127)
(228)
35
100
180
(2)
(2.100)
\u2014
27
(2.128)
(48)
Baja por sociedades en proceso de venta
\u2014
\u2014
(19)
\u2014
\u2014
(2)
\u2014
\u2014
\u2014
(21)
Saldo final
1.070
1.218
1.398
970
452
391
39
41
84.792
2.078
1.711
86.581
Deterioro (b)
Saldo inicial
381
386
411
269
208
132
\u2014
\u2014
\u2014
650
594
543
Adiciones
50
64
36
74
158
62
29
\u2014
\u2014
\u2014
221
97
103
Adiciones traspasadas a operaciones
interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Aportaciones por incorporaci\u00f3n de sociedades
al Grupo
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros (ventas y otras bajas)
(102)
(65)
(56)
(46)
(13)
(13)
\u2014
\u2014
\u2014
(148)
(78)
(69)
Traspasos, otros movimientos y diferencias de
cambio
13
24
(42)
320
12
60
\u2014
\u2014
\u2014
333
36
18
Baja por sociedades en proceso de venta
\u2014
\u2014
(1)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(1)
Saldo final
356
381
386
701
269
208
\u2014
\u2014
\u2014
1.057
650
594
Saldo final neto (a)-(b)
714
837
1.012
269
183
183
39
41
84.792
1.022
1.061
85.987
(1) Netos de amortizaciones acumuladas hasta su clasificaci\u00f3n como \"Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la
venta\".
(2) En 2020, la variaci\u00f3n corresponde principalmente al acuerdo de venta de BBVA USA (ver Nota 3).
Como se indica en la Nota 2.2.4, \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos
para la venta\u201d y \u201cPasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la venta\u201d se
valoran al menor importe entre su valor razonable menos los costes de venta y su valor en libros. A 31 de diciembre de 2022, 2021 y
2020, la pr\u00e1ctica totalidad del valor en libros de los activos registrados a valor razonable de forma no recurrente coincide con su valor
razonable.
Procedentes de adjudicaciones o recuperaciones
A 31 de diciembre de 2022, 2021 y 2020, los inmuebles procedentes de adjudicaciones y recuperaciones, netos de las p\u00e9rdidas por
deterioro, seg\u00fan la naturaleza del activo, ascend\u00edan a 478, 608 y 747 millones de euros en los activos de uso residencial; a 199, 202 y
215 millones de euros en los activos de uso terciario (industrial, comercial u oficinas) y a 34, 19 y 21 millones de euros en los activos de
uso agr\u00edcola, respectivamente.
A 31 de diciembre de 2022, 2021 y 2020, el plazo medio de venta de los activos procedentes de adjudicaciones o recuperaciones era
de entre 2 y 3 a\u00f1os.
Durante los ejercicios 2022, 2021 y 2020 algunas de las operaciones de venta de estos activos se financiaron por sociedades del
Grupo. El importe de los pr\u00e9stamos concedidos a los compradores de estos activos en esos ejercicios ascendi\u00f3 a 43, 62 y 78 millones
de euros, respectivamente; con un porcentaje medio financiado en el ejercicio 2022 del 37% del precio de venta.
Durante los ejercicios 2022, 2021 y 2020, el importe de los beneficios con origen en la venta de activos financiados por sociedades
del Grupo que no est\u00e1n reconocidas en las cuentas de p\u00e9rdidas y ganancias consolidadas no es significativo.
Pasivos financieros a coste amortizadoComposici\u00f3n del saldo
La composici\u00f3n del saldo de este cap\u00edtulo de los balances consolidados adjuntos es:
Pasivos financieros a coste amortizado (Millones de euros)
2022
2021
2020
Dep\u00f3sitos
459.114
416.947
415.467
Dep\u00f3sitos de bancos centrales
38.323
47.351
45.177
Cuentas a la vista
205
8
163
Cuentas a plazo y otros
33.534
41.790
38.274
Cesi\u00f3n temporal de activos
4.584
5.553
6.740
Dep\u00f3sitos de entidades de cr\u00e9dito
26.935
19.834
27.629
Cuentas a la vista
11.434
7.601
7.196
Cuentas a plazo y otros
11.787
8.599
16.079
Cesi\u00f3n temporal de activos
3.714
3.634
4.354
Dep\u00f3sitos de la clientela
393.856
349.761
342.661
Cuentas a la vista
316.082
293.015
266.250
Cuentas a plazo y otros
75.516
55.479
75.666
Cesi\u00f3n temporal de activos
2.259
1.267
746
Valores representativos de deuda emitidos
55.429
55.763
61.780
Otros pasivos financieros
14.086
15.183
13.358
Total
528.629
487.893
490.606
La variaci\u00f3n del saldo se debe fundamentalmente a las siguientes operaciones:
Valores perpetuos eventualmente convertibles
La Junta General Ordinaria de Accionistas del Banco celebrada el 17 de marzo de 2017 acord\u00f3, en el punto quinto de su orden del d\u00eda,
delegar en el Consejo de Administraci\u00f3n la facultad de emitir valores convertibles en acciones de nueva emisi\u00f3n de BBVA, en una o en
varias veces, dentro del plazo m\u00e1ximo de cinco a\u00f1os a contar desde la fecha de aprobaci\u00f3n del acuerdo de delegaci\u00f3n, por un importe
m\u00e1ximo total conjunto de 8.000 millones de euros, o su equivalente en cualquier otra divisa. Asimismo, la Junta General acord\u00f3
delegar en el Consejo de Administraci\u00f3n la facultad de excluir, total o parcialmente, el derecho de suscripci\u00f3n preferente de los
accionistas en el marco de una emisi\u00f3n concreta de valores convertibles, si bien, dicha facultad qued\u00f3 limitada a que el importe
nominal de los aumentos de capital que se acuerden o que efectivamente se lleven a cabo para atender la conversi\u00f3n de emisiones
ordinariamente convertibles que se realicen en virtud de la referida delegaci\u00f3n (sin perjuicio de los ajustes anti-diluci\u00f3n) con exclusi\u00f3n
del derecho de suscripci\u00f3n preferente y de los que se acuerden o ejecuten igualmente con exclusi\u00f3n del derecho de suscripci\u00f3n
preferente en uso de la delegaci\u00f3n para aumentar el capital social acordada por la Junta General Ordinaria de Accionistas celebrada el
17 de marzo de 2017, en el punto cuarto de su orden del d\u00eda, no superen la cantidad nominal m\u00e1xima, en conjunto, del 20% del capital
social de BBVA en el momento de la delegaci\u00f3n, no siendo este l\u00edmite de aplicaci\u00f3n a las emisiones eventualmente convertibles.
En virtud de dicha delegaci\u00f3n, BBVA ha realizado desde 2020 la siguiente emisi\u00f3n eventualmente convertible que computa como
capital de nivel 1 adicional del Banco y del Grupo de acuerdo con el Reglamento (UE) 575/2013:
\u2013El 15 de julio de 2020, BBVA realiz\u00f3 una emisi\u00f3n de valores perpetuos eventualmente convertibles (instrumentos de capital de
nivel 1 adicional) con exclusi\u00f3n del derecho de suscripci\u00f3n preferente de los accionistas, por importe nominal de 1.000
millones de euros. Esta emisi\u00f3n cotiza en AIAF Mercado de Renta Fija y fue dirigida exclusivamente a clientes profesionales y
contrapartes elegibles, no pudiendo ser colocadas o suscritas por clientes minoristas.
Por otra parte, la Junta General Ordinaria de Accionistas del Banco celebrada el 20 de abril de 2021 acord\u00f3, en el punto quinto de su
orden del d\u00eda, delegar en el Consejo de Administraci\u00f3n, con facultades de subdelegaci\u00f3n, la facultad de emitir valores convertibles en
acciones de nueva emisi\u00f3n de BBVA cuya conversi\u00f3n sea eventual y se prevea para atender a requisitos regulatorios para su
computabilidad como instrumentos de capital (CoCos), de acuerdo con la normativa de solvencia aplicable en cada momento, con
sujeci\u00f3n a las disposiciones legales y estatutarias que sean aplicables en cada momento, pudiendo realizar las emisiones en una o en
varias veces dentro del plazo m\u00e1ximo de cinco (5) a\u00f1os a contar desde la fecha de aprobaci\u00f3n del acuerdo de delegaci\u00f3n, por un
importe m\u00e1ximo total conjunto de 8.000 millones de euros o su equivalente en cualquier otra divisa, pudiendo asimismo acordar la
exclusi\u00f3n, total o parcial, del derecho de suscripci\u00f3n preferente de los accionistas en el marco de una emisi\u00f3n concreta, cumpliendo
en todo caso con los requisitos y limitaciones legales establecidas al efecto en cada momento. Asimismo, se dej\u00f3 sin efecto, en la
parte no utilizada, la delegaci\u00f3n conferida por la Junta General Ordinaria de Accionistas celebrada el d\u00eda 17 de marzo de 2017 en el
punto quinto del orden del d\u00eda.
A la fecha del presente documento el Banco no ha hecho uso de la delegaci\u00f3n conferida por la Junta General de Accionistas de BBVA
celebrada el 20 de abril de 2021.
Todos estos valores perpetuos ser\u00e1n objeto de conversi\u00f3n en acciones ordinarias de BBVA de nueva emisi\u00f3n si la ratio de capital de
nivel 1 ordinario del Banco a nivel individual o consolidado se situase por debajo del 5,125%, de acuerdo con lo previsto en sus
respectivos t\u00e9rminos y condiciones.
Este tipo de emisiones que realiza el Banco podr\u00e1n ser amortizadas a opci\u00f3n de BBVA, en su totalidad, \u00fanicamente en los supuestos
contemplados en sus respectivos t\u00e9rminos y condiciones y, en todo caso, de conformidad con lo dispuesto en la normativa que
resulte de aplicaci\u00f3n. En concreto, a lo largo de los ejercicios 2020, 2021 y 2022:
\u2013El 18 de febrero de 2020, el Banco procedi\u00f3 a amortizar anticipadamente la emisi\u00f3n de participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (instrumentos de capital de nivel 1 adicional), realizada por el
Banco el 18 de febrero de 2015 por un importe de 1.500 millones de euros, coincidiendo con la Primera Fecha de Revisi\u00f3n
(First Reset Date) de dicha emisi\u00f3n y una vez obtenida la autorizaci\u00f3n correspondiente por parte del Regulador.
\u2013El 14 de abril de 2021, el Banco procedi\u00f3 a amortizar anticipadamente la emisi\u00f3n de participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (instrumentos de capital de nivel 1 adicional), realizada por el
Banco el 14 de abril de 2016 por un importe de 1.000 millones de euros, coincidiendo con la Primera Fecha de Revisi\u00f3n (First
Reset Date) de dicha emisi\u00f3n y una vez obtenida la autorizaci\u00f3n correspondiente por parte del Regulador.
\u2013El 24 de mayo de 2022, el Banco procedi\u00f3 a amortizar anticipadamente la emisi\u00f3n de participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (instrumentos de capital de nivel 1 adicional), realizada por el
Banco el 24 de mayo de 2017 por un importe de 500 millones de euros, coincidiendo con la Primera Fecha de Revisi\u00f3n (First
Reset Date) de dicha emisi\u00f3n y una vez obtenida la autorizaci\u00f3n correspondiente por parte del Regulador.
Valores convertibles
Posteriormente, la Junta General Ordinaria de Accionistas del Banco celebrada el 18 de marzo de 2022 acord\u00f3, en el punto quinto de
su orden del d\u00eda, delegar en el Consejo de Administraci\u00f3n, con facultades de subdelegaci\u00f3n, la facultad de emitir valores convertibles
en acciones de nueva emisi\u00f3n de BBVA (distintos de aquellos valores cuya conversi\u00f3n sea eventual y se prevea para atender a
requisitos regulatorios para su computabilidad como instrumentos de capital (CoCos) a los que se refieren los acuerdos adoptados
por la Junta General Ordinaria de Accionistas del Banco celebrada el 20 de abril de 2021, en su punto quinto del orden del d\u00eda), con
sujeci\u00f3n a las disposiciones legales y estatutarias que sean aplicables en cada momento, pudiendo realizar las emisiones en una o en
varias veces dentro del plazo m\u00e1ximo de cinco a\u00f1os a contar desde la fecha de aprobaci\u00f3n del acuerdo de delegaci\u00f3n, por un importe
m\u00e1ximo total conjunto de 6.000 millones de euros o su equivalente en cualquier otra divisa, pudiendo asimismo acordar la exclusi\u00f3n,
total o parcial, del derecho de suscripci\u00f3n preferente de los accionistas en el marco de una emisi\u00f3n concreta, cumpliendo en todo
caso con los requisitos legales establecidas al efecto en cada momento.
A la fecha del presente documento el Banco no ha hecho uso de la delegaci\u00f3n conferida por la Junta General de Accionistas de BBVA
celebrada el 18 de marzo de 2022.
Otros pasivos financieros
El desglose del saldo de este ep\u00edgrafe de los balances consolidados adjuntos es:
Otros pasivos financieros (Millones de euros)
2022
2021
2020
Pasivos por arrendamientos (1)
1.398
2.560
2.674
Acreedores por otros pasivos financieros
3.589
2.657
2.408
Cuentas de recaudaci\u00f3n
3.426
3.839
3.275
Acreedores por otras obligaciones a pagar (2)
5.673
6.127
5.000
Total
14.086
15.183
13.358
(1) La variaci\u00f3n en 2022 se debe principalmente al cierre de la transacci\u00f3n con Merlin Properties por la cual el Grupo BBVA adquiri\u00f3 el 100% de las acciones de Tree Inversiones
Inmobiliarias, SOCIMI, S.A. (ver Nota 17).
(2) Este ep\u00edgrafe incluye en 2021 el importe comprometido por la adquisici\u00f3n de acciones propias del programa de recompra (ver Notas 2.2.14 y 4).
A continuaci\u00f3n se detallan los vencimientos de los pasivos por arrendamiento con vencimiento posterior a 31 de diciembre de 2022:
Vencimientos de pasivos por arrendamientos (Millones de euros)
Menos de 1
a\u00f1o
De 1 a 3
a\u00f1os
De 3 a 5
a\u00f1os
M\u00e1s de 5
a\u00f1os
Total
Por arrendamiento
142
260
305
691
1.398
(1) Proporciona una cobertura en el caso de uno o m\u00e1s de los siguientes eventos: fallecimiento, discapacidad y enfermedad grave.
(2) P\u00f3lizas de seguro adquiridas por las empresas (que no sean entidades del Grupo BBVA) en nombre de sus empleados.
A continuaci\u00f3n, se detallan los flujos de dichos pasivos amparados por contratos de seguro o reaseguro:
Vencimientos residuales (Millones de euros). Pasivos amparados por contrato de seguro o reaseguro
Menos de 1 a\u00f1o
De 1 a 3 a\u00f1os
De 3 a 5 a\u00f1os
M\u00e1s de 5 a\u00f1os
Total
2022
2.264
732
1.836
7.016
11.848
2021
1.808
290
1.664
7.103
10.865
2020
1.227
950
1.616
6.158
9.951
(1) La variaci\u00f3n se debe principalmente a la menor valoraci\u00f3n de los compromisos de prestaci\u00f3n definida tras la subida de tipo de inter\u00e9s en Espa\u00f1a y al pago de prestaciones.
(2) La variaci\u00f3n en 2021 se explica principalmente por el procedimiento de despido colectivo que se llev\u00f3 a cabo en Banco Bilbao Vizcaya Argentaria, S.A. en 2021.
(3) Provisiones de distintos conceptos y correspondientes a distintas \u00e1reas geogr\u00e1ficas que, de manera individual, no son significativas.
A continuaci\u00f3n se muestra el movimiento que se ha producido durante los ejercicios 2022, 2021 y 2020 en el saldo de los ep\u00edgrafes de
este cap\u00edtulo:
Fondos para pensiones, otras obligaciones de prestaciones definidas post-empleo y otras retribuciones a los empleados a
largo plazo. Movimientos del ejercicio (Millones de euros)
Notas
2022
2021
2020
Saldo inicial
3.576
4.272
4.631
Cargos a resultados del ejercicio
26
141
298
\u00a0 \u00a0 \u00a0 Intereses y cargas asimiladas
75
37
44
\u00a0 \u00a0 \u00a0 Gastos de personal
44.1
43
49
49
\u00a0 \u00a0 \u00a0 Dotaciones a provisiones
(92)
56
205
Cargos (abonos) a patrimonio neto (1)
25
(433)
(206)
191
Traspasos y otros movimientos (2)
23
(21)
(71)
Prestaciones pagadas
25
(492)
(608)
(654)
Aportaciones de la empresa y otros movimientos
25
(67)
(4)
(124)
Saldo final
2.632
3.576
4.272
(1) Corresponden a las p\u00e9rdidas (ganancias) actuariales por ciertos compromisos de prestaci\u00f3n definida post-empleo por pensiones con cargo a \u2018\u2018Patrimonio neto
consolidado\u2019\u2019 (ver Nota 2.2.11).
(2) En 2020, incluye el saldo de las sociedades del Grupo que estaban en proceso de venta en Estados Unidos (ver Notas 3 y 21).
Fondos para cuestiones procesales, litigios por impuestos pendientes y restantes provisiones. Movimientos del ejercicio
(Millones de euros)
2022
2021
2020
Saldo inicial
990
1.091
1.134
Adiciones (1)
417
1.175
555
Incorporaci\u00f3n de sociedades al Grupo
\u2014
\u2014
\u2014
Importes no utilizados que han sido objeto de recuperaci\u00f3n durante el
ejercicio
(130)
(227)
(215)
Utilizaciones de fondos y otros movimientos (1)
(211)
(1.050)
(383)
Saldo al final
1.065
990
1.091
(1) En el ejercicio 2021 se incluye el reconocimiento inicial del coste del procedimiento de despido colectivo que se ha llevado a cabo en Banco Bilbao Vizcaya Argentaria, S.A. y la
reclasificaci\u00f3n de \"Restantes provisiones\" a \"Otras retribuciones a los empleados a largo plazo\" por el importe remanente a la fecha de la reclasificaci\u00f3n.
Procedimiento de despido colectivo
El 8 de junio de 2021, BBVA alcanz\u00f3 un acuerdo con la representaci\u00f3n legal de los trabajadores sobre el procedimiento de despido
colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a el pasado 13 de abril de 2021, que afectar\u00eda a un m\u00e1ximo de
2.935 empleados. El acuerdo contemplaba tambi\u00e9n el cierre de 480 oficinas. El coste del proceso ascendi\u00f3 a 994 millones de euros
antes de impuestos, de los que 754 correspondieron al despido colectivo y 240 al cierre de oficinas (ver Notas 17, 21, 46, 49 y 50).
Una vez finalizado el procedimiento un total de 2.899 trabajadores aceptaron el acuerdo y se desvincularon del Banco.
Procedimientos y litigios judiciales en curso
El sector financiero se enfrenta a un entorno de mayor presi\u00f3n regulatoria y litigiosa. En ese entorno, las diversas entidades del Grupo
son, con frecuencia objeto de demandas y, por tanto, se ven inmersas en procedimientos y litigios judiciales, individuales o colectivos,
derivados de su actividad y operaciones, incluyendo procedimientos derivados de su actividad crediticia, de sus relaciones laborales y
de otras cuestiones comerciales, regulatorias o fiscales, as\u00ed como en arbitrajes.
Con la informaci\u00f3n disponible el Grupo considera que, a 31 de diciembre de 2022, las provisiones que se han dotado en relaci\u00f3n con
los procedimientos judiciales y los arbitrajes, cuando as\u00ed se requieren, son adecuadas y cubren razonablemente los pasivos que
pudieran derivarse, en su caso, de dichos procedimientos y arbitrajes. Asimismo, con la informaci\u00f3n disponible y con las salvedades
indicadas en la Nota 7.1 \u201cFactores de riesgo\u201d, BBVA considera que las responsabilidades que pudieran derivarse de dichos
procedimientos no tendr\u00e1n, consideradas cada una de ellas de forma individualizada, un efecto significativo adverso en el negocio, la
situaci\u00f3n financiera y los resultados del Grupo.
Retribuciones post-empleo y otros compromisos con empleados
Como se describe en la Nota 2.2.11, las entidades del Grupo tienen asumidos compromisos con los empleados que incluyen
retribuciones a corto plazo (ver Nota 44.1), planes de aportaci\u00f3n definida y de prestaci\u00f3n definida (ver Glosario), compromisos por
planes m\u00e9dicos con sus empleados, as\u00ed como otras retribuciones a largo plazo.
El Grupo financia planes de aportaci\u00f3n definida para la mayor\u00eda de los empleados en activo, siendo los m\u00e1s significativos los planes
existentes en Espa\u00f1a y M\u00e9xico. La mayor parte de los planes de prestaci\u00f3n definida corresponden a personal jubilado, los cuales se
encuentran cerrados a nuevas incorporaciones, siendo Espa\u00f1a, M\u00e9xico y Turqu\u00eda los pa\u00edses que concentran la mayor parte de
compromisos. El Grupo tambi\u00e9n mantiene en M\u00e9xico compromisos por planes m\u00e9dicos para un colectivo cerrado de empleados y
familiares, tanto para el periodo activo como una vez jubilado.
El desglose de los pasivos registrados en los balances consolidados a 31 de diciembre de 2022, 2021 y 2020, que corresponden
\u00fanicamente a los compromisos de prestaci\u00f3n definida, se muestra a continuaci\u00f3n:
Pasivo (activo) neto en el balance consolidado (Millones de euros)
Notas
2022
2021
2020
Obligaciones por pensiones
3.661
4.218
4.539
Obligaciones por prejubilaciones
606
952
1.247
Obligaciones por planes m\u00e9dicos
1.448
1.377
1.562
Otras retribuciones a largo plazo
466
632
49
Total obligaciones
6.181
7.180
7.398
Activos afectos a planes por pensiones
1.608
1.494
1.608
Activos afectos a planes m\u00e9dicos
1.476
1.494
1.484
Total activos afectos (1)
3.084
2.988
3.092
Total pasivo / activo neto
3.097
4.193
4.305
De los que: Activos netos en el balance consolidado (2)
(1)
(15)
(16)
De los que: Pasivos netos en el balance consolidado por obligaciones por
pensiones, prejubilaciones y planes m\u00e9dicos (3)
24
2.632
3.576
4.272
De los que: Pasivos netos en el balance consolidado por otras retribuciones a
largo plazo (4)
24
466
632
49
(1) Para Turqu\u00eda, la fundaci\u00f3n que gestiona los compromisos mantiene un activo adicional de 188 millones de euros a 31 de diciembre de 2022 que no ha sido reflejado en las
Cuentas Anuales consolidadas, de acuerdo con la normativa NIIF-UE sobre el l\u00edmite del activo, ya que, si bien puede ser utilizado para rebajar futuras contribuciones para
pensiones, no puede ser recuperado de forma inmediata.
(2) Registrados en el ep\u00edgrafe \"Otros activos\" de los balances consolidados (ver Nota 20).
(3) Registrados en el ep\u00edgrafe \"Provisiones- Pensiones y otras obligaciones de prestaciones definidas post-empleo\" de los balances consolidados.
(4) Registrados en el ep\u00edgrafe \"Provisiones-Otras retribuciones a los empleados a largo plazo\" de los balances consolidados. La variaci\u00f3n en 2021 se explica principalmente por el
procedimiento de despido colectivo que se ha llevado a cabo en Banco Bilbao Vizcaya Argentaria, S.A.
A continuaci\u00f3n se presentan los costes registrados por compromisos post-empleo en las cuentas de p\u00e9rdidas y ganancias
consolidadas de los ejercicios 2022, 2021 y 2020:
Efectos en cuentas de p\u00e9rdidas y ganancias consolidadas (Millones de euros)
Notas
2022
2021
2020
Ingresos y gastos por intereses
75
37
44
Gastos por intereses
342
257
265
Ingresos por intereses y otros ingresos similares
(267)
(220)
(220)
Gastos de personal
130
120
121
Contribuciones a fondos de pensiones de aportaci\u00f3n definida
44.1
87
71
72
Dotaciones a planes por pensiones de prestaci\u00f3n definida
44.1
43
49
49
Provisiones o reversi\u00f3n de provisiones
46
(89)
61
210
Coste por prejubilaciones del ejercicio
\u2014
100
224
Coste de servicios pasados
34
(28)
(8)
P\u00e9rdidas / ganancias actuariales (1)
(126)
(16)
(11)
Resto de provisiones
3
6
4
Total efecto en las cuentas de p\u00e9rdidas y ganancias consolidadas: cargos
(abonos)
116
218
375
(1) Corresponden a las mediciones de la obligaci\u00f3n neta por prestaciones definidas surgidas por prejubilaciones y otras retribuciones a largo plazo que se registran con cargo a
resultados (ver Nota 2.2.12).
Los costes registrados por compromisos post-empleo en el patrimonio neto consolidados corresponden a la actualizaci\u00f3n de la
valoraci\u00f3n de la obligaci\u00f3n neta por prestaciones definidas surgidas por compromisos por pensiones y planes m\u00e9dicos antes de su
efecto fiscal de los ejercicios 2022, 2021 y 2020 se muestran a continuaci\u00f3n:
Efectos en el patrimonio neto consolidado (Millones de euros)
2022
2021
2020
Planes por pensiones de prestaci\u00f3n definida
(363)
52
161
Planes m\u00e9dicos de prestaci\u00f3n definida
(71)
(257)
30
Total efecto en el patrimonio neto consolidado: cargos (abonos)
(433)
(206)
191
En el ejercicio 2022, el importe agregado de dicha partida supuso un abono de 433 millones de euros, que se explica principalmente
por la variaci\u00f3n en hip\u00f3tesis financieras, ganancias de 558 millones de euros por los compromisos en Espa\u00f1a, y p\u00e9rdidas de 72
millones de euros por los compromisos en M\u00e9xico. Los importes anteriores se compensan por otros efectos menores de experiencia
actuarial en estas mismas \u00e1reas geogr\u00e1ficas y efectos financieros, demogr\u00e1ficos y de experiencia en otras \u00e1reas geogr\u00e1ficas.
En el ejercicio 2021, el importe agregado de dicha partida supuso un abono de 206 millones de euros, que se explica principalmente
por la variaci\u00f3n en hip\u00f3tesis financieras, ganancias de 171 millones de euros por los compromisos en M\u00e9xico, y 55 millones de euros
por los compromisos en Espa\u00f1a. Los importes anteriores se compensan por otras geograf\u00edas y efectos demogr\u00e1ficos y de
experiencia.
En el ejercicio 2020, el importe agregado de dicha partida ascendi\u00f3 a un cargo de 191 millones de euros, explicado principalmente por
la variaci\u00f3n en el tipo de inter\u00e9s, p\u00e9rdidas de 91 millones de euros por los compromisos en M\u00e9xico y de 68 millones de euros por los
compromisos en Espa\u00f1a, y en menor medida por actualizaci\u00f3n de las tablas de mortalidad en Espa\u00f1a (p\u00e9rdidas de 49 millones de
euros). Los importes anteriores se reducen por efectos en otras \u00e1reas geogr\u00e1ficas y experiencia.
Planes de prestaci\u00f3n definida
Los compromisos incluidos en estos planes corresponden principalmente a personal jubilado o prejubilado del Grupo, a colectivos
cerrados de empleados a\u00fan en activo para el caso de jubilaci\u00f3n y a la mayor\u00eda de los empleados para los compromisos de incapacidad
laboral permanente y fallecimiento en activo. Para estos \u00faltimos, el Grupo desembolsa las primas exigidas para su total
aseguramiento. El movimiento de los compromisos para los ejercicios 2022, 2021 y 2020 se detalla a continuaci\u00f3n:
.
Compromisos de prestaci\u00f3n definida (Millones de euros)
2022
2021
2020
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Saldo inicial
6.547
2.988
3.560
7.348
3.092
4.256
8.116
3.493
4.622
Coste de servicios corriente
45
\u2014
45
53
\u2014
53
53
\u2014
53
Gastos o ingresos por intereses
333
267
65
253
220
33
261
219
42
Aportaciones de los part\u00edcipes
10
10
\u2014
5
5
\u2014
4
4
\u2014
Aportaciones de la empresa
\u2014
67
(67)
\u2014
4
(4)
\u2014
124
(124)
Coste por servicios pasados (1)
34
\u2014
34
75
\u2014
75
219
\u2014
219
P\u00e9rdidas / (ganancias)
actuariales:
(741)
(240)
(501)
(406)
(184)
(223)
364
176
187
Por rendimientos de los
activos del plan (2)
\u2014
(240)
240
\u2014
(184)
184
\u2014
176
(176)
Por cambios en hip\u00f3tesis
demogr\u00e1ficas
(29)
\u2014
(29)
(121)
\u2014
(121)
57
\u2014
57
Por cambios en hip\u00f3tesis
financieras
(812)
\u2014
(812)
(259)
\u2014
(259)
276
\u2014
276
Otras p\u00e9rdidas / (ganancias)
actuariales
100
\u2014
100
(27)
\u2014
(27)
30
\u2014
30
Prestaciones pagadas
(676)
(184)
(492)
(765)
(158)
(608)
(839)
(185)
(654)
Prestaciones pagadas
(liquidaciones)
(4)
(4)
\u2014
(1)
(1)
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y
desinversiones (3)
\u2014
\u2014
\u2014
(2)
1
(3)
(371)
(327)
(44)
Variaciones por tipos de cambio
161
180
(20)
(24)
8
(32)
(459)
(409)
(50)
Transformaci\u00f3n a aportaci\u00f3n
definida
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros movimientos
7
\u2014
7
13
\u2014
13
1
(3)
4
Saldo al final
5.715
3.084
2.631
6.547
2.988
3.560
7.348
3.092
4.256
Del que: Espa\u00f1a
2.546
147
2.399
3.670
206
3.464
4.288
249
4.039
Del que: M\u00e9xico
2.426
2.329
97
2.150
2.149
1
2.219
2.122
97
Del que: Estados Unidos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Del que: Turqu\u00eda
418
315
103
272
209
63
367
282
85
Para Espa\u00f1a, el tipo de descuento mostrado a 31 de diciembre de 2022, se corresponde con el tipo promedio ponderado, siendo los
tipos de descuento utilizados el 3,75 % y el 4 % en funci\u00f3n del tipo de compromiso.
Los tipos de descuento utilizados para actualizar los flujos futuros se han determinado tomando como referencia bonos corporativos
de alta calidad (ver Nota 2.2.12) de cada una de las divisas (zona euro para el caso de Espa\u00f1a y peso mexicano para M\u00e9xico) y bono
gubernamental en lira turca para el caso de Turqu\u00eda.
El rendimiento esperado de los activos del Plan se corresponde con el tipo de descuento establecido.
Las edades de jubilaci\u00f3n para los compromisos se determinan a la primera fecha en la que se tenga derecho a la jubilaci\u00f3n, la pactada
contractualmente en el caso de las prejubilaciones o mediante la utilizaci\u00f3n de tasas de jubilaci\u00f3n.
Las variaciones de las principales hip\u00f3tesis pueden afectar al c\u00e1lculo de los compromisos. A continuaci\u00f3n se muestra un cuadro de
sensibilidades con el efecto que producir\u00eda en las obligaciones una variaci\u00f3n en las hip\u00f3tesis principales:
An\u00e1lisis de sensibilidad (Millones de euros)
Variaci\u00f3n en
puntos b\u00e1sicos
2022
2021
2020
Incremento
Decremento
Incremento
Decremento
Incremento
Decremento
Tipo de descuento
50
(321)
350
(282)
307
(354)
390
Tasa de crecimiento de salarios
50
1
(1)
2
(2)
4
(4)
Tasa de crecimiento de las pensiones
50
32
(39)
28
(26)
29
(27)
Tasa de tendencia en el crecimiento de
costes m\u00e9dicos
50
119
(106)
109
(98)
145
(129)
Incremento en la obligaci\u00f3n por a\u00f1o de
longevidad
113
\u2014
170
\u2014
211
\u2014
Las sensibilidades se han determinado a la fecha de los estados financieros consolidados, y se corresponden con la variaci\u00f3n
individual de cada una de las hip\u00f3tesis manteniendo constante el resto, por lo que excluyen posibles efectos combinados.
Adem\u00e1s de los compromisos anteriores, el Grupo mantiene otras retribuciones a largo plazo de menor relevancia econ\u00f3mica, que
mayoritariamente corresponden a premios por antig\u00fcedad consistentes en la entrega de una cuant\u00eda establecida o unos d\u00edas de
vacaciones que se disfrutar\u00e1n cuando los empleados cumplan un determinado n\u00famero de a\u00f1os de prestaci\u00f3n de servicios efectivos.
Adicionalmente, en el a\u00f1o 2021 inclu\u00eda un fondo relacionado con el procedimiento de despido colectivo que se llev\u00f3 a cabo en Banco
Bilbao Vizcaya Argentaria, S.A. A 31 de diciembre de 2022, 2021 y 2020 el valor de estos compromisos ascend\u00eda a 466, 632 y 49
millones de euros, respectivamente. Los anteriores importes se encuentran registrados en el ep\u00edgrafe \u201cProvisiones \u2013 Otras
retribuciones a los empleados a largo plazo\u201d de los balances consolidados adjuntos (ver Nota 24).
Compromisos post-empleo y otras obligaciones similares
Los compromisos corresponden mayoritariamente a pensiones en pago determinadas en base al salario y a los a\u00f1os de servicio. En la
mayor parte de los planes, los pagos se originan por jubilaci\u00f3n, fallecimiento e incapacidad laboral del empleado.
Adicionalmente, las sociedades espa\u00f1olas del Grupo ofrecieron a determinados empleados en los ejercicios 2021 y 2020 la
posibilidad de jubilarse o prejubilarse con anterioridad a la edad de jubilaci\u00f3n establecida en el convenio colectivo laboral vigente,
oferta que fue aceptada por 432 y 781 empleados, respectivamente (0 empleados en 2022). Estos compromisos incluyen tanto las
retribuciones como las aportaciones a los fondos externos de pensiones a pagar durante el periodo de prejubilaci\u00f3n. A 31 de
diciembre de 2022, 2021 y 2020 el valor de estos compromisos ascend\u00eda a 606, 952 y 1.247 millones de euros, respectivamente.
El movimiento de las obligaciones y los activos afectos a los compromisos para el ejercicio 2022 es el siguiente:
Compromisos post-empleo 2022 (Millones de euros)
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Resto
Obligaci\u00f3n por prestaci\u00f3n definida
Saldo inicial
3.670
779
272
449
Coste de servicios corriente
4
7
13
3
Gastos o ingresos por intereses
53
84
42
10
Aportaciones de los part\u00edcipes
\u2014
\u2014
8
1
Aportaciones de la empresa
\u2014
\u2014
\u2014
\u2014
Coste por servicios pasados (1)
\u2014
1
2
3
P\u00e9rdidas / (ganancias) actuariales:
(677)
107
166
(122)
Por rendimientos de los activos del plan (2)
\u2014
\u2014
\u2014
\u2014
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
(37)
8
Por cambios en hip\u00f3tesis financieras
(643)
73
82
(132)
Otras p\u00e9rdidas / (ganancias) actuariales
(34)
34
122
2
Prestaciones pagadas
(511)
(77)
(15)
(13)
Prestaciones pagadas (liquidaciones)
\u2014
(1)
\u2014
(3)
Combinaciones de negocio y desinversiones
\u2014
\u2014
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
85
(70)
(9)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
Otros movimientos
7
\u2014
\u2014
\u2014
Saldo al final
2.546
985
418
318
Del que: Obligaciones no causadas
2.491
Del que: Obligaciones causadas
55
Activos del plan
Saldo inicial
206
655
209
424
Coste de servicios corriente
\u2014
\u2014
\u2014
\u2014
Gastos o ingresos por intereses
2
69
33
6
Aportaciones de los part\u00edcipes
\u2014
\u2014
8
1
Aportaciones de la empresa
\u2014
41
22
3
Coste por servicios pasados (1)
\u2014
\u2014
\u2014
\u2014
P\u00e9rdidas / (ganancias) actuariales:
(34)
(45)
104
(121)
Por rendimientos de los activos del plan (2)
(34)
(45)
104
(121)
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
\u2014
\u2014
Por cambios en hip\u00f3tesis financieras
\u2014
\u2014
\u2014
\u2014
Otras p\u00e9rdidas / (ganancias) actuariales
\u2014
\u2014
\u2014
\u2014
Prestaciones pagadas
(27)
(77)
(9)
(12)
Prestaciones pagadas (liquidaciones)
\u2014
(1)
\u2014
(3)
Combinaciones de negocio y desinversiones
\u2014
139
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
72
(52)
(6)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
Otros movimientos
\u2014
\u2014
\u2014
\u2014
Saldo al final
147
853
315
293
Obligaci\u00f3n (activo) neto
Saldo inicial
3.464
124
63
24
Coste de servicios corriente
4
7
13
3
Gastos o ingresos por intereses
51
14
10
4
Aportaciones de los part\u00edcipes
\u2014
\u2014
\u2014
\u2014
Aportaciones de la empresa
\u2014
(41)
(22)
(3)
Coste por servicios pasados (1)
\u2014
1
2
3
P\u00e9rdidas / (ganancias) actuariales:
(643)
152
62
(1)
Por rendimientos de los activos del plan (2)
34
45
(104)
121
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
(37)
8
Por cambios en hip\u00f3tesis financieras
(643)
73
82
(132)
Otras p\u00e9rdidas / (ganancias) actuariales
(34)
34
122
2
Prestaciones pagadas
(484)
\u2014
(6)
(1)
Prestaciones pagadas (liquidaciones)
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y desinversiones
\u2014
(139)
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
13
(18)
(3)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
Otros movimientos
7
\u2014
\u2014
\u2014
Saldo al final
2.399
132
103
25
(1) Incluye ganancias y p\u00e9rdidas por liquidaci\u00f3n.
(2) Excluidos los intereses que se reflejan en la l\u00ednea \u201cGastos o ingresos por intereses\u201d.
El movimiento neto de los compromisos para los ejercicios 2021 y 2020 es el siguiente:
Compromisos post-empleo (Millones de euros)
2021: Obligaci\u00f3n (activo) neto
2020: Obligaci\u00f3n (activo) neto
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Resto
Espa\u00f1a
M\u00e9xico
Estados
Unidos
Turqu\u00eda
Resto
Saldo inicial
4.039
28
85
27
4.326
72
52
86
38
Coste de servicios corriente
5
5
16
3
5
5
1
18
3
Gastos o ingresos por intereses
20
1
9
1
28
6
2
8
1
Aportaciones de los part\u00edcipes
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Aportaciones de la empresa
11
(2)
(11)
(1)
\u2014
(86)
\u2014
(14)
(1)
Coste por servicios pasados (1)
75
\u2014
2
2
224
(1)
\u2014
2
3
P\u00e9rdidas / (ganancias) actuariales:
(98)
128
10
(5)
95
62
(4)
18
(14)
Por rendimientos de los activos del plan (2)
8
49
(11)
19
(41)
(31)
(35)
23
(26)
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
(4)
\u2014
(2)
60
\u2014
(3)
\u2014
\u2014
Por cambios en hip\u00f3tesis financieras
(61)
84
(18)
(7)
79
(19)
34
54
17
Otras p\u00e9rdidas / (ganancias) actuariales
(45)
(2)
39
(15)
(3)
112
\u2014
(59)
(5)
Prestaciones pagadas
(599)
(1)
(6)
(1)
(643)
(1)
(2)
(6)
(1)
Prestaciones pagadas (liquidaciones)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y desinversiones
\u2014
(40)
\u2014
(2)
\u2014
(19)
(44)
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
5
(43)
1
\u2014
(10)
(5)
(26)
(4)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros movimientos
12
\u2014
\u2014
\u2014
3
\u2014
\u2014
\u2014
\u2014
Saldo al final
3.464
124
63
24
4.039
28
\u2014
85
27
(1) Incluye ganancias y p\u00e9rdidas por liquidaci\u00f3n.
(2) Excluidos los intereses que se reflejan en la l\u00ednea \u201cGastos o ingresos por intereses\u201d.
En Espa\u00f1a, la normativa establece que los compromisos por pensiones de jubilaci\u00f3n y fallecimiento deben estar cubiertos mediante
un Plan de Pensiones o mediante p\u00f3lizas de Seguros.
En las sociedades espa\u00f1olas estos compromisos se encuentran asegurados mediante p\u00f3lizas que cumplen los requisitos
establecidos por la normativa contable en cuanto a la no recuperabilidad de las aportaciones. No obstante, una parte significativa de
los aseguramientos se ha realizado con BBVA Seguros, compa\u00f1\u00eda que es parte vinculada de BBVA y consolida en los estados
financieros consolidados, por lo que no pueden considerarse \u201cActivos del plan\u201d seg\u00fan la NIC 19. Por este motivo, los compromisos
asegurados se encuentran \u00edntegramente registrados en el ep\u00edgrafe \u201cProvisiones \u2013 Pensiones y otras obligaciones de prestaciones
definidas post-empleo\u201d de los balances consolidados adjuntos (ver Nota 24), recogiendo en el activo consolidado las clases de
activos financieros relacionados con los que cuenta la aseguradora, clasificados en funci\u00f3n del instrumento financiero que
corresponda. El importe de estos activos separados asciende a 1.656 millones de euros a 31 de diciembre 2022 (2.326 y 2.572
millones de euros, a 31 de diciembre de 2021 y 2020, respectivamente) y suponen derechos directos de los empleados asegurados
que permanecen en los balances consolidados adjuntos, encontr\u00e1ndose por tanto financiados los compromisos.
Adicionalmente existen compromisos en p\u00f3lizas de seguros con compa\u00f1\u00edas aseguradoras no vinculadas al Grupo, que se presentan
en los balances consolidados adjuntos por el importe neto entre la cuant\u00eda de los compromisos menos los activos afectos a los
mismos. A 31 de diciembre de 2022, 2021 y 2020, la valoraci\u00f3n de los activos afectos a los mencionados contratos de seguro (por
importe de 147, 206 y 249 millones de euros, respectivamente) se corresponde con el importe de los compromisos a cubrir, no
figurando, por tanto, ning\u00fan importe por este concepto en los balances consolidados adjuntos.
Las pensiones para empleados de BBVA se pagan desde las compa\u00f1\u00edas aseguradoras con las que BBVA ha realizado los
aseguramientos y a las que ha pagado la totalidad de las primas. Dichas primas se establecen por las compa\u00f1\u00edas aseguradoras
utilizando t\u00e9cnicas de cashflow matching que permitan pagar las prestaciones cuando estas sean exigibles, garantizando tanto los
riesgos actuariales como los relativos a tipos de inter\u00e9s.
En M\u00e9xico existe un plan de prestaci\u00f3n definida para algunos empleados cuya fecha de ingreso es anterior a 2001. Los empleados
cuyo ingreso ha sido posterior, cuentan con un plan de aportaci\u00f3n definida. De acuerdo a la regulaci\u00f3n local, existen fondos en
fideicomisos para hacer frente al pago de las pensiones.
En 2008, el gobierno turco aprob\u00f3 una ley para unificar los diferentes sistemas de pensiones existentes bajo un \u00fanico paraguas de
Seguridad Social, y que prev\u00e9 el trasvase a la misma de los diferentes fondos constituidos. En esta situaci\u00f3n se encuentra parte del
sector financiero, que mantiene dichos compromisos de pensiones gestionados a trav\u00e9s de fondos de pensiones externos
(fundaciones) establecidas para tal fin.
La fundaci\u00f3n que mantiene los activos y pasivos correspondientes a los empleados de Garanti BBVA en Turqu\u00eda, de acuerdo a los
requisitos exigidos por la normativa local, tiene registrada una obligaci\u00f3n a 31 de diciembre de 2022 por importe de 292 millones de
euros pendiente de trasvase futuro a la Seguridad Social. Adicionalmente Garanti BBVA tiene constituido un plan de pensiones de
prestaci\u00f3n definida para los empleados, complementario a las prestaciones otorgadas por la seguridad social, que se encuentra
reflejado en el balance consolidado.
Compromisos por planes m\u00e9dicos
El movimiento de las obligaciones y los activos afectos a los compromisos para los ejercicios 2022, 2021 y 2020 se detalla a
continuaci\u00f3n:
Compromisos m\u00e9dicos (Millones de euros)
2022
2021
2020
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Saldo inicial
1.377
1.494
(116)
1.562
1.484
77
1.580
1.532
48
Coste de servicios corriente
19
\u2014
19
24
\u2014
24
21
\u2014
21
Gastos o ingresos por intereses
144
157
(14)
131
129
2
117
120
(3)
Aportaciones de los part\u00edcipes
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Aportaciones de la empresa
\u2014
\u2014
\u2014
\u2014
1
(1)
\u2014
22
(22)
Coste por servicios pasados (1)
28
\u2014
28
(5)
\u2014
(5)
(8)
\u2014
(8)
P\u00e9rdidas / (ganancias) actuariales:
(215)
(144)
(71)
(377)
(119)
(257)
95
66
30
Por rendimientos de los activos del plan (2)
\u2014
(144)
144
\u2014
(119)
119
\u2014
66
(66)
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
\u2014
(115)
\u2014
(115)
\u2014
\u2014
\u2014
Por cambios en hip\u00f3tesis financieras
(191)
\u2014
(191)
(257)
\u2014
(257)
110
\u2014
110
Otras p\u00e9rdidas / (ganancias) actuariales
(23)
\u2014
(23)
(4)
\u2014
(4)
(15)
\u2014
(15)
Prestaciones pagadas
(60)
(60)
\u2014
(49)
(48)
\u2014
(37)
(37)
\u2014
Prestaciones pagadas (liquidaciones)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y desinversiones
\u2014
(139)
139
\u2014
(39)
39
\u2014
(19)
19
Variaciones por tipos de cambio
155
167
(11)
90
86
4
(207)
(201)
(6)
Otros movimientos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Saldo al final
1.448
1.476
(28)
1.377
1.494
(116)
1.562
1.484
77
(1) Incluye ganancias y p\u00e9rdidas por liquidaci\u00f3n.
(2) Excluidos los intereses que se reflejan en la l\u00ednea de \"Gastos o ingresos por intereses\".
En M\u00e9xico existen planes m\u00e9dicos para los empleados cuya fecha de ingreso es anterior a 2007. Los empleados contratados
posteriormente cuentan con p\u00f3lizas de seguros de salud. De acuerdo a la regulaci\u00f3n local y a la pol\u00edtica del Grupo, existen fondos en
fideicomisos para hacer frente al pago de estas coberturas.
En Turqu\u00eda la cobertura de Salud correspondiente a los empleados se viene otorgando a trav\u00e9s de una fundaci\u00f3n colaboradora del
Sistema de Seguridad Social, si bien, est\u00e1 legalmente prevista la unificaci\u00f3n futura de los diversos sistemas existentes en la propia
Seguridad Social.
La valoraci\u00f3n de estos compromisos, as\u00ed como su reflejo contable, se realiza de igual forma que los compromisos por pensiones.
Distribuci\u00f3n esperada de pagos
La estimaci\u00f3n de pagos al 31 de diciembre de 2022 de las distintas prestaciones para el conjunto de sociedades en Espa\u00f1a, M\u00e9xico y
Turqu\u00eda para los pr\u00f3ximos diez a\u00f1os es la siguiente:
Prestaciones esperadas a pagar (Millones de euros)
2023
2024
2025
2026
2027
2028 - 2032
Compromisos en Espa\u00f1a
522
384
326
279
242
794
Compromisos en M\u00e9xico
159
171
180
189
198
1.148
Compromisos en Turqu\u00eda
19
16
20
24
31
265
Total
700
571
526
493
471
2.208
Activos afectos
Las sociedades del Grupo mantienen fondos externos con activos que financian la mayor parte de los planes de prestaci\u00f3n definida
del Grupo. El Grupo, de acuerdo a lo que establece la regulaci\u00f3n local, mantiene ciertos compromisos en fondos internos, que
principalmente se corresponden con prejubilaciones.
Son activos del plan afectos a los compromisos, aquellos activos con los que se liquidar\u00e1n directamente las obligaciones asumidas y
re\u00fanen las siguientes condiciones: no son propiedad de entidades del Grupo, s\u00f3lo est\u00e1n disponibles para atender los pagos por
retribuciones post-empleo y no pueden retornar al Grupo BBVA.
Para gestionar los activos relacionados con los compromisos de prestaci\u00f3n definida en todos los pa\u00edses, el Grupo BBVA tiene
establecidas unas pol\u00edticas de inversi\u00f3n dise\u00f1adas de acuerdo a los criterios de prudencia y dirigidas a minimizar los riesgos
financieros.
La pol\u00edtica de inversi\u00f3n de los planes tiene como principio la inversi\u00f3n en activos seguros y diversificados, acordes con los
vencimientos de los compromisos que permitan, junto con las aportaciones realizadas, pagar las prestaciones cuando sean exigibles
y mitigar los riesgos existentes en los planes.
En aquellos pa\u00edses con activos asociados a los planes en forma de fondos de pensiones, la estrategia de inversi\u00f3n se gestiona de
manera acorde a la regulaci\u00f3n local existente. Para el establecimiento de la asignaci\u00f3n de activos espec\u00edficos se considera tanto la
situaci\u00f3n presente de los mercados como el perfil de riesgo de los activos y su posible evoluci\u00f3n futura. En todos los casos, BBVA
considera para su selecci\u00f3n que los activos sean acordes con el vencimiento de los compromisos y con sus necesidades de liquidez a
corto plazo.
Los riesgos asociados a los compromisos son los mismos que pueden originar un d\u00e9ficit en los activos afectos por diversos factores
como una ca\u00edda en el valor de mercado de las inversiones, o un incremento del tipo de inter\u00e9s a largo plazo que disminuya el valor de
los t\u00edtulos a plazo fijo; un empeoramiento de la econom\u00eda que lleve a m\u00e1s fallidos y rebajas en la calificaci\u00f3n crediticia.
En el cuadro adjunto se detalla la composici\u00f3n por categor\u00eda de activos mantenidos por las principales sociedades del Grupo, a 31 de
diciembre de 2022, 2021 y 2020:
Composici\u00f3n de los activos de los planes (Millones de euros)
2022
2021
2020
Efectivo y equivalentes
169
24
38
Valores representativos de deuda (deuda p\u00fablica)
2.270
2.394
2.707
Fondos de inversi\u00f3n
\u2014
1
1
Valores garantizados por activos
\u2014
\u2014
\u2014
Deuda estructurada
\u2014
\u2014
\u2014
Contratos de seguros
183
148
140
Total
2.622
2.566
2.887
Del que: Cuentas bancarias en BBVA
7
3
4
Del que: Valores representativos de deuda emitidos por BBVA
\u2014
\u2014
\u2014
Del que: Inmuebles ocupados por BBVA
\u2014
\u2014
\u2014
El resto de activos se encuentran invertidos principalmente en activos de Nivel 2 de acuerdo a la clasificaci\u00f3n establecida en NIIF 13
(principalmente p\u00f3lizas de seguros). A 31 de diciembre de 2022, casi la totalidad de los activos afectos a los compromisos con
empleados correspond\u00edan a valores de renta fija.
Planes de aportaci\u00f3n definida
Algunas sociedades del Grupo cuentan con planes de aportaci\u00f3n definida, permitiendo en algunos casos que los empleados realicen
aportaciones que posteriormente complementa la sociedad.
Dichas contribuciones representan un gasto del ejercicio en el momento en que se devengan, suponiendo un cargo a las cuentas de
p\u00e9rdidas y ganancias consolidadas del ejercicio correspondiente y, por tanto, no constituyen un pasivo en los balances consolidados
adjuntos (ver Nota 44.1).
26.Capital
A 31 de diciembre de 2022, el capital social de BBVA ascend\u00eda a 2.954.757.116,36 euros formalizados en 6.030.116.564 acciones,
mientras a 31 de diciembre de 2021 y 2020, el capital social de BBVA ascend\u00eda a 3.267.264.424,20 euros formalizado en
6.667.886.580 acciones, en ambos periodos. Esta variaci\u00f3n ha sido consecuencia de las ejecuciones parciales del acuerdo de
reducci\u00f3n de capital adoptado por la Junta General de Accionistas de BBVA celebrada el 18 de marzo de 2022, en el punto s\u00e9ptimo de
su orden del d\u00eda, las cuales fueron comunicadas mediante Otra Informaci\u00f3n Relevante el 15 de junio de 2022 y el 30 de septiembre de
2022 (ver Nota 4).
En los tres ejercicios el valor nominal de las acciones ascend\u00eda a 0,49 euros, todas ellas de la misma clase y serie, totalmente
suscritas y desembolsadas y representadas mediante anotaciones en cuenta. Todas las acciones del Banco poseen los mismos
derechos pol\u00edticos y econ\u00f3micos, no existiendo derechos de voto distintos para ning\u00fan accionista. Tampoco existen acciones que no
sean representativas de capital.
Las acciones del Banco est\u00e1n admitidas a negociaci\u00f3n en las Bolsas de Valores de Madrid, Barcelona, Bilbao y Valencia, a trav\u00e9s del
Sistema de Interconexi\u00f3n Burs\u00e1til Espa\u00f1ol (Mercado Continuo), as\u00ed como en las Bolsas de Valores de Londres y M\u00e9xico. Los American
Depositary Shares (ADS) de BBVA se negocian en la Bolsa de Nueva York bajo el ticker BBVA.
Adicionalmente, a 31 de diciembre de 2022 las acciones de Banco BBVA Per\u00fa, S.A.; Banco Provincial, S.A.; Banco BBVA Colombia,
S.A.; Banco BBVA Argentina, S.A. y Garanti BBVA, cotizan en sus respectivos mercados de valores locales. Banco BBVA Argentina,
S.A. tambi\u00e9n cotizaba en el mercado latinoamericano (Latibex) de la Bolsa de Madrid y en la Bolsa de Nueva York. Los Depositary
Receipts (DR) de Garanti BBVA, tambi\u00e9n cotizan en la Bolsa de Valores de Londres. Asimismo, BBVA tambi\u00e9n est\u00e1 incluido en la
actualidad, entre otros \u00edndices, en el \u00cdndice IBEX 35\u00ae, que est\u00e1 formado por los 35 valores m\u00e1s l\u00edquidos negociados en el mercado
espa\u00f1ol y, t\u00e9cnicamente, es un \u00edndice de precios ponderado por capitalizaci\u00f3n y ajustado seg\u00fan el free float de cada una de las
empresas que componen este \u00edndice.
A 31 de diciembre de 2022, State Street Bank and Trust Co., The Bank of New York Mellon S.A. NV, y Chase Nominees Ltd. en su
condici\u00f3n de bancos custodios/depositarios internacionales, custodiaban un 14,88%, un 2,12% y un 6,84% del capital social de
BBVA, respectivamente. De las posiciones mantenidas por los custodios, no se tiene conocimiento de la existencia de accionistas
individuales con participaciones directas o indirectas iguales o superiores al 3% del capital social de BBVA.
La sociedad Blackrock Inc., con fecha 18 de abril de 2019, comunic\u00f3 a la Comisi\u00f3n Nacional del Mercado de Valores (CNMV) que pas\u00f3
a tener una participaci\u00f3n indirecta en el capital social de Banco Bilbao Vizcaya Argentaria, S.A., de un total 5,917% del cual son
5,480% de derechos de voto atribuidos a las acciones, m\u00e1s un 0,437% de derechos de voto a trav\u00e9s de instrumentos financieros.
Por otra parte, BBVA no tiene conocimiento de la existencia de participaciones directas o indirectas a trav\u00e9s de las cuales se ejerza el
control sobre el Banco. Asimismo, BBVA no ha recibido comunicaci\u00f3n alguna acreditativa de la existencia de pactos parasociales que
incluyan la regulaci\u00f3n del ejercicio del derecho de voto en sus Juntas Generales de Accionistas o que restrinjan o condicionen la libre
transmisibilidad de las acciones de BBVA. Tampoco se tiene conocimiento de ning\u00fan acuerdo que pudiera dar lugar a una toma de
control del Banco.
Las entidades bancarias del Grupo en todo el mundo, tanto dependientes como asociadas y negocios conjuntos, est\u00e1n sujetas a la
supervisi\u00f3n y regulaci\u00f3n de una gran variedad de organismos en relaci\u00f3n con, entre otros temas, la satisfacci\u00f3n de los requerimientos
m\u00ednimos de capital regulatorio. La obligaci\u00f3n de satisfacer dichos requisitos de capital regulatorio puede afectar a la capacidad de
dichas entidades bancarias para transferir fondos en forma de dinero en efectivo, dividendos, pr\u00e9stamos o anticipos. Adem\u00e1s, seg\u00fan
las leyes de las distintas jurisdicciones donde esas entidades se incorporan, los dividendos s\u00f3lo pueden ser pagados con fondos
legalmente disponibles para ello. Incluso cuando se cumplan los requisitos m\u00ednimos de capital y los fondos sean legalmente
disponibles, el regulador, u otros organismos p\u00fablicos, podr\u00edan desaconsejar o retrasar, en su caso, la transferencia de fondos al
Grupo en forma de dividendos en efectivo, pr\u00e9stamos o anticipos, por razones de prudencia.
Acuerdos de la Junta de accionistas
Aumento de capital
La Junta General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo de 2022 acord\u00f3, en el punto cuarto de su orden del d\u00eda,
delegar en el Consejo de Administraci\u00f3n la facultad de aumentar el capital social del Banco, en una o en varias veces, dentro del plazo
legal de cinco a\u00f1os a contar desde la fecha de aprobaci\u00f3n de la delegaci\u00f3n, hasta la cantidad m\u00e1xima correspondiente al 50% del
capital social de BBVA en el momento de la aprobaci\u00f3n de dicha delegaci\u00f3n, facultando igualmente al Consejo de Administraci\u00f3n para
excluir, total o parcialmente, el derecho de suscripci\u00f3n preferente de los accionistas en relaci\u00f3n con cualquier emisi\u00f3n concreta de
acciones que sea realizada en virtud de dicha delegaci\u00f3n.
Esta facultad, no obstante, qued\u00f3 limitada a que el importe nominal de los aumentos de capital que se acuerden o que efectivamente
se lleven a cabo con exclusi\u00f3n del derecho de suscripci\u00f3n preferente en virtud de la referida delegaci\u00f3n y los que se acuerden o
ejecuten para atender la conversi\u00f3n de las emisiones convertibles que se realicen igualmente con exclusi\u00f3n del derecho de
suscripci\u00f3n preferente en uso de la delegaci\u00f3n para emitir valores convertibles en acciones de nueva emisi\u00f3n de BBVA (distintos de
aquellos valores cuya conversi\u00f3n sea eventual y se prevea para atender a requisitos regulatorios para su computabilidad como
instrumentos de capital (CoCos)) acordada por la Junta General Ordinaria de Accionistas celebrada el 18 de marzo de 2022, en el
punto quinto de su orden del d\u00eda (sin perjuicio de los ajustes anti-diluci\u00f3n), no supere la cantidad nominal m\u00e1xima, en conjunto, del
10% del capital social de BBVA en el momento de la delegaci\u00f3n. La presente delegaci\u00f3n deja sin efecto la delegaci\u00f3n concedida por la
Junta General de Accionistas celebrada el 17 de marzo de 2017, en el punto cuarto del orden del d\u00eda, de la que el Banco no hizo uso.
A la fecha del presente documento, el Banco no ha hecho uso de la delegaci\u00f3n conferida por la Junta General de Accionistas.
Reducci\u00f3n de capital
La Junta General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo de 2022, en el punto s\u00e9ptimo de su orden del d\u00eda acord\u00f3
aprobar la reducci\u00f3n de capital social de BBVA hasta un importe m\u00e1ximo correspondiente al 10% del capital social en la fecha del
acuerdo, mediante la amortizaci\u00f3n de acciones propias que hayan sido adquiridas derivativamente por BBVA, tanto las que hayan
sido adquiridas al amparo de la autorizaci\u00f3n conferida por la Junta General de Accionistas de BBVA celebrada el 16 de marzo de 2018
en su punto tercero del orden del d\u00eda, como las que se puedan adquirir en virtud de la autorizaci\u00f3n conferida por la Junta General de
Accionistas de BBVA celebrada el d\u00eda 18 de marzo de 2022 en su punto sexto del orden del d\u00eda, a trav\u00e9s de cualquier mecanismo con
el objetivo de ser amortizadas y cuyo plazo de ejecuci\u00f3n del acuerdo ser\u00e1 hasta la fecha de celebraci\u00f3n de la pr\u00f3xima Junta General
Ordinaria de Accionistas, quedando sin efecto en la parte no ejecutada a partir de dicha fecha. La Junta General Ordinaria de
Accionistas facult\u00f3 al Consejo de Administraci\u00f3n, con facultades de subdelegaci\u00f3n, para ejecutar total o parcialmente la reducci\u00f3n de
capital, en una o varias veces, dejando sin efecto el acuerdo adoptado por la Junta General Ordinaria de Accionistas celebrada el 20
de abril de 2021, en el punto sexto del orden del d\u00eda, del cual el Banco no hizo uso.
En el marco del Programa de recompra de acciones (ver Nota 4), BBVA ha llevado a cabo durante el ejercicio 2022 las siguientes
reducciones de capital:
\u2013El 15 de junio de 2022, BBVA comunic\u00f3 la ejecuci\u00f3n parcial del acuerdo de reducci\u00f3n de capital adoptado por la Junta
General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo de 2022, mediante la reducci\u00f3n del capital social de
BBVA en un importe nominal de 137.797.167,90 euros, y la consiguiente amortizaci\u00f3n con cargo a las reservas de libre
disposici\u00f3n de las 281.218.710 acciones propias de 0,49 euros de valor nominal cada una, adquiridas derivativamente por el
Banco en ejecuci\u00f3n del Primer Tramo del Programa Marco de recompra de acciones y que estaban mantenidas en
autocartera.
\u2013El 30 de septiembre de 2022, BBVA comunic\u00f3, mediante Otra Informaci\u00f3n Relevante, la ejecuci\u00f3n parcial adicional del
acuerdo de reducci\u00f3n de capital adoptado por la Junta General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo
de 2022, mediante la reducci\u00f3n del capital social de BBVA en un importe nominal de 174.710.139,94 euros, y la consiguiente
amortizaci\u00f3n con cargo a las reservas de libre disposici\u00f3n de las 356.551.306 acciones propias de 0,49 euros de valor
nominal cada una, adquiridas derivativamente por el Banco en ejecuci\u00f3n del Primer Segmento y del Segundo Segmento
correspondientes al Segundo Tramo del Programa Marco de recompra de acciones y que estaban mantenidas en
autocartera.
Valores convertibles y/o canjeables
En la Nota 22.4 se presenta el detalle de los valores perpetuos eventualmente convertibles y/o canjeables.
Prima de emisi\u00f3n
A 31 de diciembre de 2022, el saldo de este ep\u00edgrafe de los balances consolidados adjuntos ascend\u00eda a 20.856 millones de euros. A 31
de diciembre de 2021 y 2020, el saldo de este ep\u00edgrafe ascend\u00eda a 23.599 y 23.992 millones de euros, respectivamente (ver Nota 4).
El Texto Refundido de la Ley de Sociedades de Capital permite expresamente la utilizaci\u00f3n del saldo de la prima de emisi\u00f3n para
ampliar el capital y no establece restricci\u00f3n espec\u00edfica alguna en cuanto a la disponibilidad de dicho saldo (ver Nota 26).
Ganancias acumuladas, reservas de revalorizaci\u00f3n y otras reservasComposici\u00f3n del saldo
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es la siguiente:
Ganancias acumuladas, reservas de revalorizaci\u00f3n y otras reservas: Desglose por conceptos (Millones de euros)
2022
2021
2020
Reserva legal
591
653
653
Reservas indisponibles
482
761
120
Reservas libre disposici\u00f3n (1)
3.906
3.994
8.117
Total reservas sociedad matriz (2)
4.979
5.409
8.890
Reservas de consolidaci\u00f3n atribuidas a la matriz y a las sociedades consolidadas
29.902
24.575
21.454
Total
34.881
29.984
30.344
(1) La variaci\u00f3n en el ejercicio 2021 se debe principalmente a la aplicaci\u00f3n del resultado del ejercicio 2020 de BBVA, S.A. y al programa de recompra de acciones (ver Nota 4).
(2) Total reservas de BBVA, S.A. (ver Anexo IX).
Reserva legal
De acuerdo con el Texto Refundido de la Ley de Sociedades de Capital, las sociedades que obtengan en el ejercicio econ\u00f3mico
beneficios, deber\u00e1n dotar el 10% del beneficio del ejercicio a la reserva legal. Estas dotaciones deber\u00e1n hacerse hasta que la reserva
legal alcance el 20% del capital social.
La reserva legal podr\u00e1 utilizarse para aumentar el capital social en la parte que exceda del 10% del capital social ya aumentado y,
mientras no supere el 20% del capital social, s\u00f3lo podr\u00e1 destinarse a la compensaci\u00f3n de p\u00e9rdidas y, exclusivamente, en el caso de
que no existan otras reservas disponibles suficientes para este fin.
Reservas indisponibles
A 31 de diciembre de 2022, 2021 y 2020, el Banco ten\u00eda registradas las siguientes reservas indisponibles:
Reservas indisponibles. Desglose por conceptos (Millones de euros)
2022
2021
2020
Reserva indisponible por capital amortizado (1)
400
88
88
Reserva indisponible sobre acciones de la sociedad dominante y pr\u00e9stamos
sobre dichas acciones (2)
80
672
30
Reserva indisponible por redenominaci\u00f3n en euros del capital
2
2
2
Total
482
761
120
(1) La variaci\u00f3n de 2022 es consecuencia de las ejecuciones parciales del acuerdo de reducci\u00f3n de capital adoptado por la Junta General de Accionistas de BBVA celebrada el 18
de marzo de 2022 (ver Nota 26).
(2) El saldo de 2021 incluye el importe del programa de recompra de acciones (ver Nota 4).
Hasta 2021, la reserva indisponible por capital amortizado ten\u00eda su origen en la reducci\u00f3n de valor nominal unitario de las acciones de
BBVA realizada en el mes de abril de 2000. En 2022, incluye la reserva generada por la reducci\u00f3n de capital realizada en 2022.
El segundo concepto corresponde a reservas indisponibles relacionadas con el importe de las acciones emitidas por el Banco que se
encontraban en su poder a cada fecha y con el importe de la financiaci\u00f3n en vigor en dicha fecha concedida a clientes para la compra
de acciones del Banco o que cuenten con la garant\u00eda de estas acciones.
Por \u00faltimo, y de acuerdo con lo establecido en la Ley 46/1998, sobre Introducci\u00f3n del Euro, se mantiene una reserva por el efecto del
redondeo que se produjo en la redenominaci\u00f3n a euros del capital social del Banco.
Ganancias acumuladas, Reservas de revalorizaci\u00f3n y Otras reservas por sociedades
El desglose de los ep\u00edgrafes \u201cGanancias acumuladas\u201d, \u201cReservas de revalorizaci\u00f3n\u201d y \u201cOtras reservas\u201d de los balances consolidados
adjuntos, por sociedades o grupos de sociedades, se presenta a continuaci\u00f3n:
Ganancias acumuladas, Reservas de revalorizaci\u00f3n y Otras reservas: Desglose por sociedades o grupos de sociedades
(Millones de euros)
2022
2021
2020
Ganancias (p\u00e9rdidas) acumuladas, reservas de revalorizaci\u00f3n y otras
reservas
Sociedad Matriz
14.003
12.467
15.014
Grupo BBVA M\u00e9xico
13.839
13.894
12.890
Grupo Garanti BBVA
5.710
3.043
2.509
Grupo BBVA Provincial
1.720
1.721
1.731
Grupo BBVA Argentina
1.456
1.423
1.302
Grupo BBVA Colombia
1.510
1.393
1.287
Grupo BBVA Per\u00fa
1.065
1.031
984
Corporaci\u00f3n General Financiera S.A.
338
322
920
Forum Servicios Financieros S.A.
632
604
619
Sociedades inmobiliarias CX
263
277
251
BBV America, S.L.
299
270
262
BBVA Seguros, S.A.
284
239
(35)
Pecri Inversi\u00f3n S.L.
119
118
114
Grupo BBVA Uruguay
118
106
87
Bilbao Vizcaya Holding, S.A.
144
68
77
Compa\u00f1\u00eda de Cartera de Inversiones, S.A.
65
42
59
Gran Jorge Juan, S.A.
61
57
42
Grupo BBVA USA
\u2014
\u2014
(1.098)
Anida Grupo Inmobiliario
(525)
(556)
(594)
Sociedades inmobiliarias Unnim
(647)
(655)
(617)
Anida Operaciones Singulares, S.A.
(5.529)
(5.512)
(5.409)
Resto
177
(121)
112
Subtotal (1)
35.102
30.231
30.508
Otras reservas acumuladas de inversiones en negocios conjuntos y
asociadas
Atom Holdco Limited
(169)
(158)
(91)
Metrovacesa, S.A.
(84)
(84)
(84)
Resto
32
(5)
11
Subtotal
(221)
(247)
(164)
Total
34.881
29.984
30.344
(1) En 2021 incluye la contabilizaci\u00f3n de las acciones pendientes de compra del programa recompra (ver Nota 4) y la reclasificaci\u00f3n de elementos que no se clasifican por
resultados por \"Ganancias (p\u00e9rdidas) actuariales en planes de pensiones de prestaciones definidas\".
A efectos de la asignaci\u00f3n de las reservas y p\u00e9rdidas de ejercicios anteriores a las sociedades consolidadas y a la matriz, se han
considerado, entre otros, las transferencias de reservas generadas por los dividendos pagados y las transacciones efectuadas entre
dichas sociedades en el ejercicio en que las mismas tuvieron lugar.
Acciones propias
Durante los ejercicios 2022, 2021 y 2020, las sociedades del Grupo realizaron las siguientes transacciones con acciones emitidas por
el Banco:
Acciones propias
2022
2021
2020
N\u00ba de acciones
Millones
de euros
N\u00ba de
acciones
Millones
de euros
N\u00ba de
acciones
Millones de
euros
Saldo inicial
127.633.399
647
14.352.832
46
12.617.189
62
+ Compras
598.457.024
2.966
203.530.570
1.022
234.691.887
807
- Ventas y otros movimientos
(720.605.009)
(3.583)
(90.250.003)
(417)
(232.956.244)
(830)
+/- Derivados sobre acciones
BBVA, S.A.
\u2014
\u2014
\u2014
(4)
\u2014
7
+/- Otros movimientos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Saldo al final
5.485.414
29
127.633.399
647
14.352.832
46
De los que:
Propiedad de BBVA, S.A.
\u2014
3
112.733.730
574
592.832
9
Propiedad de Corporaci\u00f3n
General Financiera, S.A.
5.454.516
26
14.899.669
72
13.760.000
37
Propiedad de otras sociedades
del Grupo
30.898
\u2014
\u2014
\u2014
\u2014
\u2014
Precio medio de compra en euros
4,96
\u2014
5,02
\u2014
3,44
\u2014
Precio medio de venta en euros
4,99
\u2014
4,89
\u2014
3,63
\u2014
Resultados netos por
transacciones
(Fondos propios-Reservas)
9
17
\u2014
Durante los ejercicios 2022 y 2021 se registraron transacciones por el programa de recompra de acciones (ver Nota 4).
Los porcentajes de las acciones mantenidas en la autocartera del Grupo durante los ejercicios 2022, 2021 y 2020 fueron los
siguientes:
Autocartera
2022
2021
2020
M\u00ednimo
M\u00e1ximo
Cierre
M\u00ednimo
M\u00e1ximo
Cierre
M\u00ednimo
M\u00e1ximo
Cierre
% de acciones en autocartera
0,078 %
7,492 %
0,094 %
0,108 %
1,922 %
1,914 %
0,008 %
0,464 %
0,215 %
A 31 de diciembre de 2022, 2021 y 2020, el n\u00famero de acciones de BBVA aceptadas en concepto de garant\u00eda de las financiaciones
concedidas por el Grupo, era el siguiente:
Acciones de BBVA aceptadas en concepto de garant\u00eda
2022
2021
2020
N\u00famero de acciones en garant\u00eda
23.437.363
29.372.853
39.407.590
Valor nominal por acci\u00f3n (en euros)
0,49
0,49
0,49
Porcentaje que representan sobre el capital
0,39 %
0,44 %
0,59 %
El n\u00famero de acciones de BBVA propiedad de terceros pero gestionadas por alguna sociedad del Grupo a 31 de diciembre de 2022,
2021 y 2020, era el siguiente:
Acciones de BBVA propiedad de terceros gestionado por el Grupo
2022
2021
2020
N\u00famero de acciones propiedad de terceros
18.686.027
17.645.506
18.266.509
Valor nominal por acci\u00f3n (en euros)
0,49
0,49
0,49
Porcentaje que representan sobre el capital
0,31 %
0,26 %
0,27 %
Otro resultado global acumulado
La composici\u00f3n del saldo de este cap\u00edtulo de los balances consolidados adjuntos se indica a continuaci\u00f3n:
Otro resultado global acumulado. Desglose por conceptos (Millones de euros)
Notas
2022
2021
2020
Elementos que no se reclasificar\u00e1n en resultados
(1.881)
(2.075)
(2.815)
Ganancias (p\u00e9rdidas) actuariales en planes de pensiones de prestaciones
definidas
(760)
(998)
(1.474)
Activos no corrientes y grupos enajenables de elementos que se han
clasificado como mantenidos para la venta
\u2014
\u2014
(65)
Cambios del valor razonable de los instrumentos de patrimonio
valorados a valor razonable con cambios en otro resultado global
13.4
(1.194)
(1.079)
(1.256)
Cambios del valor razonable de los pasivos financieros a valor razonable
con cambios en resultados atribuibles a cambios en el riesgo de cr\u00e9dito
72
2
(21)
Elementos que pueden reclasificarse en resultados
(15.550)
(14.401)
(11.541)
Cobertura de inversiones netas en negocios en el extranjero (porci\u00f3n
efectiva)
(1.408)
(146)
(62)
Peso mexicano
(1.751)
(681)
(362)
Lira turca
358
555
317
Resto de divisas
(15)
(19)
(18)
Conversi\u00f3n de divisas
(13.103)
(14.988)
(14.185)
Peso mexicano
(2.813)
(4.503)
(5.220)
Lira turca
(6.601)
(6.607)
(4.960)
Peso argentino
(869)
(1.024)
(1.247)
Bol\u00edvar venezolano
(1.850)
(1.858)
(1.860)
Resto de divisas
(971)
(995)
(898)
Derivados de cobertura. Coberturas de flujos de efectivo (porci\u00f3n
efectiva)
(458)
(533)
10
Cambios del valor razonable de los instrumentos de deuda valorados a
valor razonable con cambios en otro resultado global
13.4
(562)
1.274
2.069
Activos no corrientes y grupos enajenables de elementos que se han
clasificado como mantenidos para la venta (1)
\u2014
\u2014
644
Participaci\u00f3n en otros ingresos y gastos reconocidos en inversiones en
negocios conjuntos y asociadas
(18)
(9)
(17)
Total
(17.432)
(16.476)
(14.356)
(1) Corresponde principalmente a BBVA USA en 2020 (Ver Notas 3 y 21).
Los saldos registrados en estos ep\u00edgrafes se presentan netos de su correspondiente efecto fiscal.
Las principales variaciones en 2022 son debidas a la depreciaci\u00f3n frente al euro de algunas divisas de las \u00e1reas geogr\u00e1ficas en las que
opera el Grupo como el peso argentino (38,3%), la lira turca (23,7%) y el peso colombiano (12,1%), compensadas parcialmente por la
apreciaci\u00f3n del peso mexicano (11,0%) y del sol peruano (11,0%), la aplicaci\u00f3n de la NIC 29 en Turqu\u00eda (ver Nota 2.2.19) y la
reasignaci\u00f3n a \u201cConversi\u00f3n de divisas\" correspondiente al 36,12% adquirido desde intereses minoritarios (ver nota 3).
Intereses minoritarios
El detalle, por subgrupos de sociedades consolidadas, del cap\u00edtulo \u201cIntereses minoritarios (Participaciones no dominantes)\u201d de los
balances consolidados adjuntos es el siguiente:
Intereses minoritarios (participaciones no dominantes). Desglose por subgrupos (Millones de euros)
2022
2021
2020
Garanti BBVA (1)
1.180
2.851
3.692
BBVA Per\u00fa
1.469
1.212
1.171
BBVA Argentina
687
557
416
BBVA Colombia
73
76
70
BBVA Venezuela
95
70
65
Otras sociedades
119
87
56
Total
3.624
4.853
5.471
(1) La variaci\u00f3n corresponde principalmente a la OPA voluntaria sobre la totalidad del capital social de T\u00fcrkiye Garanti Bankas\u0131 A.\u015e. finalizada el 18 de mayo de 2022 (ver Nota 3).
Seguidamente se detallan, por subgrupos de sociedades consolidadas, los importes registrados en el cap\u00edtulo \u201cAtribuible a intereses
minoritarios (participaciones no dominantes)\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas:
Resultado del periodo atribuible a intereses minoritarios (participaciones no dominantes). Desglose por subgrupos
(Millones de euros)
2022
2021
2020
Garanti BBVA (1)
29
758
579
BBVA Per\u00fa
236
143
126
BBVA Argentina
83
26
38
BBVA Colombia
5
9
6
BBVA Venezuela
22
3
2
Otras sociedades
32
25
5
Total
407
965
756
(1) La variaci\u00f3n se corresponde principalmente con la aplicaci\u00f3n de la NIC 29 y con la OPA voluntaria sobre la totalidad del capital social de T\u00fcrkiye Garanti Bankas\u0131 A.\u015e. finalizada
el 18 de mayo de 2022 (ver Notas 2.2.19 y 3).
Los dividendos repartidos a los minoritarios de las siguientes entidades del Grupo en el ejercicio 2022 han sido: Grupo BBVA Banco
Continental 109 millones de euros, Grupo Garanti 49 millones de euros y el resto de entidades del Grupo 27 millones de euros.
Recursos propios y gesti\u00f3n del capitalRecursos propios
A 31 de diciembre de 2022, 2021 y 2020, los recursos propios est\u00e1n calculados de acuerdo con las normativas aplicables en cada una
de esas fechas que regulan los recursos propios m\u00ednimos que han de mantener las entidades de cr\u00e9dito espa\u00f1olas, tanto a t\u00edtulo
individual como de grupo consolidado, y la forma en la que han de determinarse tales recursos propios; as\u00ed como los distintos
procesos de autoevaluaci\u00f3n del capital que deben realizar y la informaci\u00f3n de car\u00e1cter p\u00fablico que deben remitir al mercado.
Por lo que respecta a los requerimientos m\u00ednimos de capital, el BCE comunic\u00f3 al Grupo el mantenimiento del requerimiento de Pilar 2
en el 1,5% (del que como m\u00ednimo 0,84% debiera ser satisfecho con CET1) a partir del 1 de marzo de 2022. Por lo tanto, BBVA deb\u00eda
mantener una ratio de capital CET1 del 8,60% y una ratio de capital total del 12,76% a nivel consolidado, que, una vez actualizado con
el requerimiento de colch\u00f3n antic\u00edclico a 31 de diciembre de 2022, son del 8,63% y 12,79%, respectivamente.
Adicionalmente, tras la \u00faltima decisi\u00f3n de SREP (proceso de revisi\u00f3n y evaluaci\u00f3n supervisora por sus siglas en ingl\u00e9s), el BCE ha
comunicado al Grupo que, con efecto 1 de enero de 2023, deber\u00e1 mantener a nivel consolidado un ratio de capital total del 13,00% y
un ratio de capital CET1 del 8,75% que incluyen un requerimiento de Pilar 2 a nivel consolidado del 1,71% (un m\u00ednimo del 0,96%
deber\u00e1 ser satisfecho con CET1), del que 0,21% (0,12% deber\u00e1 ser satisfecho con CET1) viene determinado sobre la base de las
expectativas de provisiones prudenciales del BCE, que a partir del 1 de enero 2023 dejar\u00e1n de tratarse como deducci\u00f3n de CET 1 con
un efecto positivo de 19 puntos b\u00e1sicos sobre el CET1 fully-loaded a cierre de diciembre de 2022.
El Grupo BBVA se ha marcado como objetivo mantener un ratio CET1 fully-loaded a nivel consolidado de entre el 11,5% y 12,0%,
aumentando la distancia objetivo al requerimiento m\u00ednimo (8,63% a 31 de diciembre de 2022 y 8,75% a partir del 1 de enero de 2023)
a 287 y 337 puntos b\u00e1sicos (275 y 325 puntos b\u00e1sicos a partir del 1 de enero de 2023). A cierre del ejercicio 2022 el ratio CET1 fully-
loaded se encuentra por encima de este rango de gesti\u00f3n objetivo.
A continuaci\u00f3n, se muestra la conciliaci\u00f3n de las principales cifras entre el capital contable y el capital regulatorio a 31 de diciembre
de 2022, 2021 y 2020:
Conciliaci\u00f3n del capital contable y regulatorio (Millones de euros)
Notas
2022 \u207d\u00b9\u207e
2021
2020
Capital
26
2.955
3.267
3.267
Prima de emisi\u00f3n
27
20.856
23.599
23.992
Ganancias acumuladas, reservas de revalorizaci\u00f3n y otras reservas
28
34.881
29.984
30.344
Otros elementos del patrimonio neto
63
60
42
Acciones propias en cartera
29
(29)
(647)
(46)
Resultado atribuible a los propietarios de la dominante
5
6.420
4.653
1.305
Dividendo a cuenta
(722)
(532)
\u2014
Total Fondos Propios
64.422
60.384
58.904
Otro resultado global acumulado
30
(17.432)
(16.476)
(14.356)
Intereses minoritarios
31
3.624
4.853
5.472
Total Patrimonio Neto
50.615
48.760
50.020
Fondo de comercio y otros activos intangibles
(1.395)
(1.484)
(3.775)
Deducciones
(1.395)
(1.484)
(3.775)
Diferencias de per\u00edmetro
(123)
(130)
(186)
Patrimonio no computable a nivel de solvencia
(123)
(130)
(186)
Resto de ajustes y deducciones (2)
(6.357)
(7.197)
(3.128)
Capital de nivel 1 ordinario (CET 1)
42.740
39.949
42.931
Capital de nivel 1 adicional antes de los ajustes reglamentarios
5.193
5.737
6.666
Total de ajustes reglamentarios del capital de nivel 1 adicional
\u2014
\u2014
\u2014
Capital de nivel 1 (Tier 1)
47.933
45.686
49.597
Capital de nivel 2 (Tier 2)
5.930
7.383
8.548
Capital total ( Capital total= Tier 1 + Tier 2)
53.863
53.069
58.145
Total recursos propios m\u00ednimos exigibles
43.115
39.275
45.042
(1) Datos provisionales.
(2) En 2021 incluye principalmente el importe de acciones pendientes de ejecutar y hasta el l\u00edmite m\u00e1ximo autorizado por el BCE al Grupo BBVA (ver Nota 4).
El ratio CET1 fully-loaded consolidado se situ\u00f3 en el 12,61% a 31 de diciembre de 2022, lo que supone una reducci\u00f3n de -14 puntos
b\u00e1sicos con respecto a 2021, siendo el ratio CET1 phased-in de 12,68% lo que supone una reducci\u00f3n de -30 puntos b\u00e1sicos respecto a
2021. La diferencia entre el ratio CET1 fully-loaded y el ratio CET1 phased-in se explica principalmente por el efecto de los ajustes
transitorios para el tratamiento en los indicadores de solvencia de los impactos de NIIF 9.
Estos ratios incorporan los efectos de las operaciones corporativas llevadas a cabo durante el a\u00f1o, con un impacto conjunto de -38
puntos b\u00e1sicos de CET1. Estas operaciones son el acuerdo alcanzado con Neon Payments Limited en el primer trimestre de 2022, la
OPA voluntaria sobre Garanti BBVA y la adquisici\u00f3n a Merlin del 100% de Tree en el segundo trimestre de 2022 (ver Notas 3 y 17).
Adicionalmente, estos ratios incluyen el impacto positivo de la reversi\u00f3n parcial del impacto del programa de recompra de acciones,
as\u00ed como la compensaci\u00f3n en patrimonio de los efectos de la hiperinflaci\u00f3n en resultados. Excluyendo estos impactos, durante el
ejercicio se ha registrado una generaci\u00f3n org\u00e1nica de resultado, que netos de remuneraci\u00f3n al accionista y retribuci\u00f3n de los
Contingent Convertible bonds (CoCos, por sus siglas en ingl\u00e9s) han contribuido en +106 puntos b\u00e1sicos al ratio CET1 y han permitido
compensar el crecimiento de los APR, y la evoluci\u00f3n de los mercados\u00a0 as\u00ed como los efectos supervisores.
Los activos ponderados por riesgo (APR) fully-loaded se incrementan en, aproximadamente, 30.000 millones de euros, recogiendo el
crecimiento org\u00e1nico de la actividad, as\u00ed como de los efectos supervisores comentados anteriormente.
El capital de nivel 1 adicional (AT1) fully-loaded se situ\u00f3 a cierre de diciembre de 2022 en el 1,54% (1,54% phased-in) que incluye el
efecto de reducci\u00f3n de 500 millones de euros por la amortizaci\u00f3n anticipada de una emisi\u00f3n de CoCos que databa de 2017.
El ratio Tier 2 fully-loaded se situ\u00f3 en el 1,79% que supone una reducci\u00f3n de -58 puntos b\u00e1sicos respecto a 2021, explicado
principalmente por el efecto de incremento de APR durante el ejercicio y la menor computabilidad de provisiones de modelos internos
de cr\u00e9dito. En cuanto al ratio tier 2 phased-in, se situ\u00f3 en 1,76%, siendo la diferencia con respecto al ratio Tier 2 fully-loaded,
principalmente por el tratamiento transitorio de determinadas emisiones subordinadas.
Como consecuencia de lo anterior, el ratio total de fondos propios fully-loaded se sit\u00faa en el 15,94%, siendo el ratio total phased-in
15,98%.
En cuanto a los requisitos de Minimum Requirement for Own Funds and Eligible Liabilities (en adelante, \"MREL\"), el 8 de marzo de
2022, BBVA hizo p\u00fablico que hab\u00eda recibido una nueva comunicaci\u00f3n de Banco de Espa\u00f1a sobre su requisito m\u00ednimo de fondos
propios y pasivos admisibles (MREL) establecido por la Junta \u00danica de Resoluci\u00f3n (en adelante, \"JUR\"), que deroga y reemplaza el
requisito MREL anterior comunicado en mayo de 2021.
De acuerdo con esta nueva comunicaci\u00f3n, BBVA debe mantener, a partir del 1 de enero de 2022, un volumen de fondos propios y
pasivos admisibles igual al 21,46% del total de APR de su grupo de resoluci\u00f3n, a nivel subconsolidado (el \"MREL en APR\"), de los que
un 13,5% del total de APR del grupo de resoluci\u00f3n de BBVA debe satisfacerse con instrumentos subordinados (el \"requisito de
subordinaci\u00f3n de MREL en APR\"). El MREL en APR y el requisito de subordinaci\u00f3n de MREL en APR no incluyen el requisito
combinado de colchones de capital que, conforme a la normativa aplicable y los criterios de supervisi\u00f3n, se sit\u00faa actualmente en el
3,26% (lo que sit\u00faa el MREL en APR incluyendo el requisito combinado de colchones de capital en el 24,72%, y el requisito de
subordinaci\u00f3n MREL en APR incluyendo el requisito combinado de colchones de capital en el 16,76%). A 31 de diciembre de 2022, el
ratio MREL en APR se sit\u00faa en 26,45%, cumpliendo con el citado requisito MREL. Por \u00faltimo, a 31 de diciembre de 2022 el ratio MREL
en RA (ratio de apalancamiento) se sit\u00faa en 11,14% y los ratios de subordinaci\u00f3n en t\u00e9rminos de APR y en t\u00e9rminos de exposici\u00f3n del
ratio de apalancamiento, se sit\u00faan en el 21,74% y 9,16%, respectivamente.
Ratio de apalancamiento
La ratio de apalancamiento o Leverage Ratio (LR) se constituye como medida regulatoria complementaria al capital que trata de
garantizar la solidez y fortaleza financiera de las entidades en t\u00e9rminos de endeudamiento. Esta medida permite estimar el porcentaje
de los activos y partidas fuera de balance que est\u00e1n financiados con capital de nivel 1, siendo el valor contable de los activos ajustado
para reflejar el apalancamiento actual o potencial del Grupo con una posici\u00f3n de balance determinada (denominado Exposici\u00f3n al
ratio de apalancamiento).
A continuaci\u00f3n, se muestra la composici\u00f3n del ratio de apalancamiento, calculado de acuerdo a la CRR, a 31 de diciembre de 2022,
2021 y 2020:
Apalancamiento
2022 \u207d\u00b9\u207e
2021
2020
Capital de nivel 1 (millones de euros) (a)
47.933
45.686
49.597
Exposici\u00f3n a la ratio de apalancamiento (millones de euros) (b)
738.413
671.789
741.095
Ratio de apalancamiento (a)/(b) (porcentaje)
6,49 %
6,80 %
6,69 %
(1) Datos provisionales
A 31 de diciembre de 2022 el ratio leverage phased-in, que incluye el tratamiento transitorio de determinados elementos de capital
(principalmente el impacto de la NIIF 9), se situ\u00f3 en el 6,5%. Desde marzo de 2022 han dejado de excluirse de la exposici\u00f3n a la ratio
de apalancamiento determinadas exposiciones frente a bancos centrales conformeGesti\u00f3n de capital
La gesti\u00f3n de capital de BBVA tiene como finalidad asegurar que tanto BBVA como el Grupo cuentan en cada momento con el capital
necesario para desarrollar la estrategia corporativa que se encuentre recogida en el Plan Estrat\u00e9gico, de forma alineada con el perfil
de riesgo establecido en el Marco de Apetito de Riesgo del Grupo.
En este sentido, la gesti\u00f3n de capital de BBVA forma parte, adem\u00e1s, del resto de las decisiones estrat\u00e9gico-prospectivas m\u00e1s
relevantes en la gesti\u00f3n y control del Grupo, como son el Presupuesto anual y el Plan de Liquidez y Financiaci\u00f3n, con las que se
coordina; todo ello, orientado a la consecuci\u00f3n de la estrategia general del Grupo.
La necesidad de preservar en todo momento la solvencia de BBVA y su Grupo requiere de una asignaci\u00f3n \u00f3ptima del capital que,
junto con el perfil de riesgo del Grupo en t\u00e9rminos de solvencia recogido en el Marco de Apetito al Riesgo (RAF), sirve como gu\u00eda para
la gesti\u00f3n de capital del Grupo y se traduce en la necesidad de contar, de forma continua, con una s\u00f3lida posici\u00f3n de capital que
permita:
\u2013anticipar consumos ordinarios y extraordinarios que se puedan producir, incluso en una situaci\u00f3n de estr\u00e9s;
\u2013promover el desarrollo del negocio del Grupo y alinearlo con los objetivos de capital y de rentabilidad, mediante una
asignaci\u00f3n de los recursos adecuada y eficiente;
\u2013cubrir todos los riesgos \u2013 incluso potenciales \u2013 a los que se expone;
\u2013cumplir en todo momento con los requerimientos regulatorios e internos de gesti\u00f3n; y
\u2013remunerar a los accionistas de BBVA de acuerdo con la Pol\u00edtica de Remuneraci\u00f3n al Accionista vigente en cada momento.
Las \u00e1reas involucradas en la gesti\u00f3n de capital en el Grupo deber\u00e1n seguir y respetar los siguientes principios en sus respectivos
\u00e1mbitos de responsabilidades:
\u2013Asegurar que la gesti\u00f3n de capital se integra y es coherente con el Plan Estrat\u00e9gico, el RAF, el Presupuesto anual y el resto
de procesos estrat\u00e9gico-prospectivos del Grupo, contribuyendo a alcanzar la sostenibilidad del Grupo a largo plazo.
\u2013Tener en cuenta tanto los requerimientos regulatorios y supervisores aplicables como los riesgos a los que est\u00e9 \u2013o pueda
estar\u2013 expuesto el Grupo en el desarrollo de sus negocios (visi\u00f3n econ\u00f3mica) a la hora de establecer un nivel de capital
objetivo, todo ello con una visi\u00f3n prospectiva (forward-looking) y que tome en consideraci\u00f3n escenarios adversos.
\u2013Llevar a cabo una asignaci\u00f3n eficiente de capital que promueva el buen desarrollo de los negocios, vigilando que las
expectativas de evoluci\u00f3n de actividad cumplen con los objetivos estrat\u00e9gicos del Grupo y anticipando los consumos
ordinarios y extraordinarios que puedan producirse.
\u2013Asegurar el cumplimiento de los niveles de solvencia, incluyendo MREL, requeridos en cada momento.
\u2013Remunerar de manera adecuada y sostenible a los accionistas de BBVA.
\u2013Optimizar el coste del conjunto de los instrumentos que sirvan para alcanzar, en cada momento, el nivel de capital objetivo.
Para alcanzar los principios enumerados, la gesti\u00f3n de capital se articular\u00e1 sobre la base de los siguientes elementos esenciales:
\u2013Un esquema de gobierno y de gesti\u00f3n adecuado, tanto a nivel de \u00f3rganos sociales como a nivel ejecutivo.
\u2013Una adecuada planificaci\u00f3n, gesti\u00f3n y monitorizaci\u00f3n del capital, contando para ello con los sistemas de medici\u00f3n,
herramientas, estructuras, recursos y datos de calidad que resulten necesarios.
\u2013Un conjunto de m\u00e9tricas, debidamente actualizado, que facilite el seguimiento de la situaci\u00f3n de capital, y que permita
identificar cualquier desviaci\u00f3n relevante del nivel de capital objetivo.
\u2013Una comunicaci\u00f3n y difusi\u00f3n de la informaci\u00f3n relativa a capital fuera del Grupo transparente, correcta, consistente y
puntual.
\u2013Un cuerpo normativo a nivel interno, debidamente actualizado, incluyendo las normas y procedimientos que permitan
asegurar una gesti\u00f3n de capital adecuada.
Compromisos y garant\u00edas concedidos
La composici\u00f3n del saldo de estos ep\u00edgrafes de los balances consolidados adjuntos es:
Compromisos y garant\u00edas concedidos (Millones de euros)
Notas
2022
2021
2020
Compromisos de pr\u00e9stamo concedidos
7.2.2
136.920
119.618
132.584
De los cuales: deteriorados
177
171
265
Bancos centrales
\u2014
\u2014
\u2014
Administraciones p\u00fablicas
3.031
3.483
2.919
Entidades de cr\u00e9dito
15.407
16.085
11.426
Otras sociedades financieras
5.895
4.583
5.862
Sociedades no financieras
68.120
59.475
71.011
Hogares
44.467
35.991
41.366
Garant\u00edas financieras concedidas
7.2.2
16.511
11.720
10.665
De las cuales: deteriorados (1)
281
245
290
Bancos centrales
\u2014
\u2014
1
Administraciones p\u00fablicas
96
162
132
Entidades de cr\u00e9dito
475
312
339
Otras sociedades financieras
1.263
1.026
587
Sociedades no financieras
14.541
10.039
9.376
Hogares
135
181
231
Otros compromisos concedidos
7.2.2
39.137
34.604
36.190
De las cuales: deteriorados (1)
689
541
477
Bancos centrales
\u2014
2
124
Administraciones p\u00fablicas
215
212
199
Entidades de cr\u00e9dito
4.134
4.266
5.285
Otras sociedades financieras
1.758
1.753
2.902
Sociedades no financieras
32.858
28.224
27.496
Hogares
171
147
182
Total
7.2.2
192.568
165.941
179.440
(1) El saldo de diciembre 2020 incluye saldo de sociedades del Grupo en Estados Unidos incluidas en la venta a PNC (ver Notas 3 y 21). Las garant\u00edas concedidas deterioradas
ascienden a 970, 786, y 767 millones de euros a 31 de diciembre de 2022, 2021 y 2020 respectivamente.
Los importes registrados en el pasivo del balance consolidado a 31 de diciembre de 2022 y 2021 para los compromisos de pr\u00e9stamo
concedidos, garant\u00edas financieras concedidas y otros compromisos concedidos ascendieron a 243, 175 y 353; y 272, 164 y 256
millones de euros, respectivamente (ver Nota 24).
Una parte significativa de los anteriores importes llegar\u00e1 a su vencimiento sin que se materialice ninguna obligaci\u00f3n de pago para las
sociedades consolidadas, por lo que el saldo conjunto de estos compromisos no puede ser considerado como una necesidad futura
real de financiaci\u00f3n o liquidez a conceder a terceros por el Grupo BBVA.
Durante los ejercicios 2022, 2021 y 2020, ninguna sociedad del Grupo BBVA ha garantizado emisiones de valores representativos de
deuda emitidas por entidades asociadas, negocios conjuntos o entidades ajenas al Grupo.
Otros activos y pasivos contingentes
A 31 de diciembre de 2022, 2021 y 2020 no exist\u00edan activos y pasivos contingentes por importes significativos distintos de los
mencionados en estas Notas.
Compromisos de compra y de venta y obligaciones de pago futuras
Los compromisos de compra y venta del Grupo BBVA se detallan en las Notas 10, 14 y 22.
Las obligaciones de pago futuras, corresponden principalmente a obligaciones en concepto de rentas a pagar derivadas de los
contratos de arrendamiento operativo, detalladas en la Nota 22.5, y prestaciones esperadas por compromisos con empleados,
detalladas en la Nota 25.1.3.
Operaciones por cuenta de terceros
A continuaci\u00f3n se desglosan las operaciones por cuenta de terceros m\u00e1s significativas recogidas en este ep\u00edgrafe:
Operaciones por cuenta de terceros. Desglose por conceptos (Millones de euros)
2022
2021
2020
Instrumentos financieros confiados por terceros
352.139
356.985
357.022
Efectos condicionales y otros valores recibidos en comisi\u00f3n de cobro
11.738
10.795
10.459
Valores recibidos en pr\u00e9stamo
3.223
2.605
5.285
Total
367.100
370.385
372.766
(1) El saldo incluye 177, 384 y 211 millones de euros a 31 de diciembre de 2022, 2021 y 2020, respectivamente, correspondiente al importe neto de los intereses devengados por
las operaciones del TLTRO III (Ver Nota 22.1).
Los importes originados por derivados de cobertura y reconocidos en el patrimonio neto consolidado durante los ejercicios 2022,
2021 y 2020 y los que fueron dados de baja del patrimonio neto consolidado e incluidos en los resultados consolidados en dichos
ejercicios se muestran en los \u201cEstados de ingresos y gastos reconocidos consolidados\u201d.
Gastos por intereses
El desglose del saldo de este cap\u00edtulo de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos por intereses. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Pasivos financieros mantenidos para negociar
1.140
1.339
742
Pasivos financieros designados a valor razonable con cambios en resultados
58
52
61
Pasivos financieros a coste amortizado
9.985
6.130
6.346
Rectificaci\u00f3n de costes con origen en coberturas contables
(232)
(360)
(413)
Actividad de seguros
919
773
721
Coste imputable a los fondos de pensiones constituidos
76
52
57
Otros gastos
333
342
284
Total
12.279
8.329
7.797
Ingresos por dividendos
Los saldos de este cap\u00edtulo de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas corresponden a los dividendos de acciones
e instrumentos de patrimonio, distintos de los procedentes de las participaciones en entidades valoradas por el m\u00e9todo de la
participaci\u00f3n (ver Nota 39), seg\u00fan el siguiente desglose:
Ingresos por dividendos (Millones de euros)
2022
2021
2020
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor
razonable con cambios en resultados
15
64
15
Activos financieros a valor razonable con cambios en otro resultado global
108
112
122
Total
123
176
137
Resultados de entidades valoradas por el m\u00e9todo de la participaci\u00f3n
El ep\u00edgrafe \u201cResultados de entidades valoradas por el m\u00e9todo de la participaci\u00f3n\u201d presenta un beneficio de 21 millones de euros en el
ejercicio 2022, comparado con 1 mill\u00f3n de euros de beneficio en el ejercicio 2021 y 39 millones de euros de p\u00e9rdidas registrados en
2020.
Ingresos y gastos por comisiones
El desglose de los ingresos por comisiones de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Ingresos por comisiones. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Efectos de cobro
26
23
27
Cuentas a la vista
424
425
322
Tarjetas de cr\u00e9dito y d\u00e9bito y TPV
3.499
2.628
2.089
Cheques
162
136
136
Transferencias, giros y otras \u00f3rdenes
812
664
555
Productos de seguros
261
215
159
Compromisos de pr\u00e9stamo concedidos
259
234
185
Otros compromisos y garant\u00edas financieras concedidos
420
364
349
Gesti\u00f3n de activos
1.228
1.250
1.100
Comisiones por t\u00edtulos
266
267
367
Administraci\u00f3n y custodia de t\u00edtulos
193
169
135
Otras comisiones
711
622
556
Total
8.261
6.997
5.980
El desglose de los gastos por comisiones de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos por comisiones. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Cuentas a la vista
5
5
5
Tarjetas de cr\u00e9dito y d\u00e9bito
1.884
1.427
1.130
Transferencias, giros y otras \u00f3rdenes de pago
133
120
97
Comisiones por la venta de seguros
70
51
54
Administraci\u00f3n y custodia de t\u00edtulos
92
55
52
Otras comisiones
723
574
519
Total
2.907
2.232
1.857
Ganancias (p\u00e9rdidas) por activos y pasivos financieros, contabilidad de coberturas
y diferencias de cambio, netas
El desglose de los saldos de estos cap\u00edtulos de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas, en funci\u00f3n del origen de
las partidas que lo conforman, es:
Ganancias (p\u00e9rdidas) por activos y pasivos financieros, contabilidad de coberturas y diferencias de cambio, netas
(Millones de euros)
2022
2021
2020
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos y pasivos financieros no valorados
a valor razonable con cambios en resultados, netas
64
134
139
Activos financieros a coste amortizado
8
27
106
Restantes activos y pasivos financieros
56
106
33
Ganancias (p\u00e9rdidas) por activos y pasivos financieros mantenidos para negociar, netas
562
341
777
Reclasificaci\u00f3n de activos financieros desde valor razonable con cambios en otro
resultado global
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de activos financieros desde coste amortizado
\u2014
\u2014
\u2014
Otras ganancias (p\u00e9rdidas)
562
341
777
Ganancias (p\u00e9rdidas) por activos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados, netas
(67)
432
208
Reclasificaci\u00f3n de activos financieros desde valor razonable con cambios en otro
resultado global
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de activos financieros desde coste amortizado
\u2014
\u2014
\u2014
Otras ganancias (p\u00e9rdidas)
(67)
432
208
Ganancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con
cambios en resultados, netas
150
335
56
Ganancias (p\u00e9rdidas) resultantes de la contabilidad de coberturas, netas
(45)
(214)
7
Subtotal ganancias (p\u00e9rdidas) por activos y pasivos financieros
663
1.027
1.187
Diferencias de cambio, netas
1.275
883
359
Total
1.938
1.910
1.546
El desglose del impacto de los derivados (tanto de negociaci\u00f3n como de cobertura) en el saldo de este cap\u00edtulo de las cuentas de
p\u00e9rdidas y ganancias consolidadas adjuntas es:
Derivados de negociaci\u00f3n y contabilidad de coberturas (Millones de euros)
2022
2021
2020
Derivados
Contratos de tipos de inter\u00e9s
522
73
269
Contratos de valores
1.653
(1.500)
(36)
Contratos de materias primas
4
3
1
Contratos de derivados de cr\u00e9dito
16
(255)
(89)
Contratos de derivados de tipos de cambio
(658)
40
88
Otros contratos
(131)
(12)
37
Subtotal
1.406
(1.651)
270
Ineficiencias de la contabilidad de coberturas
\u2014
Coberturas de valor razonable
(51)
(235)
5
Derivado de cobertura
(229)
90
(151)
Elemento cubierto
178
(325)
156
Coberturas de flujos de efectivo
6
21
2
Subtotal
(45)
(214)
7
Total
1.361
(1.866)
277
Adicionalmente, durante los ejercicios 2022, 2021 y 2020 se han registrado en el cap\u00edtulo \u201cDiferencias de cambio, netas\u201d de las
cuentas de p\u00e9rdidas y ganancias consolidadas, importes netos negativos por 37, 41 y 57 millones de euros, respectivamente, por
operaciones con derivados de tipo de cambio.
Otros ingresos y gastos de explotaci\u00f3n
El desglose del saldo del cap\u00edtulo \u201cOtros ingresos de explotaci\u00f3n\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros ingresos de explotaci\u00f3n (Millones de euros)
2022
2021
2020
Ventas e ingresos por prestaci\u00f3n de servicios no financieros
284
301
244
Resto de ingresos de explotaci\u00f3n
244
360
248
Total
528
661
492
El desglose del saldo del cap\u00edtulo \u201cOtros gastos de explotaci\u00f3n\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros gastos de explotaci\u00f3n (Millones de euros)
2022
2021
2020
Variaci\u00f3n de existencias
134
151
124
Fondos garant\u00eda de dep\u00f3sitos y resoluci\u00f3n
997
829
800
Ajustes por hiperinflaci\u00f3n (1)
1.687
585
348
Resto de gastos de explotaci\u00f3n
620
475
390
Total
3.438
2.041
1.662
La tabla siguiente muestra la aportaci\u00f3n de cada producto de seguros a los ingresos netos de gastos del Grupo en los ejercicios 2022,
2021 y 2020:
Ingresos netos por tipo de producto de seguro (Millones de euros)
2022
2021
2020
Seguros de vida
665
622
497
Individual
585
583
439
Colectivos
79
39
59
Seguros no vida
547
286
480
Hogar
\u2014
\u2014
91
Resto no vida
547
286
389
Total
1.212
908
977
Gastos de administraci\u00f3nGastos de personal
La composici\u00f3n del saldo de este ep\u00edgrafe de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos de personal (Millones de euros)
Notas
2022
2021
2020
Sueldos y salarios
4.317
3.933
3.610
Seguridad Social
710
668
671
Contribuciones a fondos de pensiones de aportaci\u00f3n definida
25
87
71
72
Dotaciones a planes por pensiones de prestaci\u00f3n definida
25
43
49
49
Otros gastos de personal
454
325
293
Total
5.612
5.046
4.695
Remuneraciones basadas en acciones
Los importes registrados en el cap\u00edtulo \u201cGastos de personal - Otros gastos de personal\u201d de las cuentas de p\u00e9rdidas y ganancias
consolidadas de los ejercicios 2022, 2021 y 2020, correspondientes a los planes de remuneraciones basados en acciones en vigor en
cada ejercicio, han ascendido a 32, 33 y 16 millones de euros, respectivamente. Dichos importes se registraron con contrapartida en
el ep\u00edgrafe \u201cFondos propios - Otros elementos de patrimonio neto\u201d de los balances consolidados adjuntos, neto del correspondiente
efecto fiscal.
A continuaci\u00f3n, se describen las caracter\u00edsticas de los planes de remuneraciones basados en acciones del Grupo.
Retribuci\u00f3n variable en acciones
BBVA cuenta con un esquema de remuneraci\u00f3n espec\u00edfico aplicable a aquellos empleados cuyas actividades profesionales inciden de
manera significativa en el perfil de riesgo de BBVA y/o de su Grupo (en adelante, \u201cColectivo Identificado\u201d) que implica la entrega de
acciones o instrumentos vinculados a las acciones de BBVA, dise\u00f1ado en el marco de lo establecido en la normativa aplicable a las
entidades de cr\u00e9dito y considerando las mejores pr\u00e1cticas y recomendaciones a nivel local e internacional en esta materia.
En el ejercicio 2022, este esquema de remuneraci\u00f3n queda recogido en las siguientes pol\u00edticas de remuneraciones:
\u2013Pol\u00edtica General de Remuneraciones del Grupo BBVA, aprobada por el Consejo de Administraci\u00f3n el 30 de junio de 2021, de
aplicaci\u00f3n a los empleados y miembros de la Alta Direcci\u00f3n de BBVA (excluyendo a los consejeros ejecutivos de BBVA) y de
las sociedades que conforman su Grupo sobre las cuales BBVA tenga control sobre su gesti\u00f3n. Esta pol\u00edtica recoge en un
cap\u00edtulo espec\u00edfico las reglas espec\u00edficas aplicables al Colectivo Identificado, entre los que se incluye la Alta Direcci\u00f3n de
BBVA.
\u2013Pol\u00edtica de Remuneraciones de los Consejeros de BBVA, aprobada por la Junta General de Accionistas de BBVA celebrada
el 20 de abril de 2021, de aplicaci\u00f3n a los miembros del Consejo de Administraci\u00f3n de BBVA. El sistema de remuneraci\u00f3n de
los consejeros ejecutivos se corresponde, con car\u00e1cter general, con el aplicable a los miembros del Colectivo Identificado,
incorporando ciertas especificidades propias, derivadas de su condici\u00f3n de consejeros.
La retribuci\u00f3n variable de los miembros del Colectivo Identificado queda sometida a las siguientes reglas establecidas en sus
respectivas pol\u00edticas de remuneraciones, y en particular:
\u2013La Retribuci\u00f3n Variable Anual de los miembros del Colectivo Identificado correspondiente a cada ejercicio estar\u00e1 sometida
a ajustes ex ante, de manera que se reducir\u00e1 en el momento de la evaluaci\u00f3n de su desempe\u00f1o en caso de apreciarse un
comportamiento negativo de los resultados del Grupo o de otros par\u00e1metros como el grado de consecuci\u00f3n de los objetivos
presupuestados, y no se generar\u00e1, o se ver\u00e1 reducida en su generaci\u00f3n, en caso de no alcanzarse un determinado nivel de
beneficios y ratio de capital, en atenci\u00f3n a lo establecido en la normativa aplicable en cada momento.
\u2013El 60% de la Retribuci\u00f3n Variable Anual se consolidar\u00e1 y se abonar\u00e1, de darse las condiciones para ello, como regla general,
en el primer cuatrimestre del ejercicio siguiente al que la Retribuci\u00f3n Variable Anual corresponda (la \u201cParte Inicial\u201d). Para
los consejeros ejecutivos, resto de miembros de la Alta Direcci\u00f3n y aquellos miembros del Colectivo Identificado con
retribuciones variables de cuant\u00edas especialmente elevadas, la Parte Inicial se corresponder\u00e1 con un 40% de la Retribuci\u00f3n
Variable Anual. La parte restante quedar\u00e1 diferida en el tiempo (en adelante, la \u201cParte Diferida\u201d) por un periodo de 5 a\u00f1os,
para los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n, y de 4 a\u00f1os para los restantes miembros del
Colectivo Identificado.
\u2013Un 50% de la Retribuci\u00f3n Variable Anual, tanto de la Parte Inicial como de la Parte Diferida, se fijar\u00e1 en acciones de BBVA o
en instrumentos vinculados a las acciones de BBVA. Para los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n
el 60% de la Parte Diferida se fijar\u00e1 en acciones.
\u2013Las acciones o instrumentos concedidos en concepto de Retribuci\u00f3n Variable Anual, tanto de la Parte Inicial como de la
Parte Diferida, ser\u00e1n indisponibles durante un periodo de un a\u00f1o desde su entrega. Lo anterior no ser\u00e1 de aplicaci\u00f3n a las
acciones o instrumentos que proceda enajenar, en su caso, para hacer frente a las obligaciones fiscales derivadas de su
entrega.
\u2013La Parte Diferida de la Retribuci\u00f3n Variable Anual podr\u00e1 verse reducida, pero nunca incrementada, en funci\u00f3n del resultado
de indicadores de evaluaci\u00f3n plurianual alineados con las m\u00e9tricas fundamentales de control y gesti\u00f3n de riesgos del Grupo,
relacionados con la solvencia, la liquidez, la rentabilidad o la creaci\u00f3n de valor.
\u2013Las cantidades en efectivo de la Parte Diferida de la Retribuci\u00f3n Variable Anual que finalmente se consoliden, ser\u00e1n objeto
de actualizaci\u00f3n aplicando el \u00edndice de precios al consumo (IPC) medido como variaci\u00f3n interanual de precios, o
cualesquiera otros criterios establezca a tal efecto el Consejo de Administraci\u00f3n con la misma finalidad.
\u2013La totalidad de la Retribuci\u00f3n Variable Anual correspondiente a cada ejercicio estar\u00e1 sometida a cl\u00e1usulas de reducci\u00f3n de
la retribuci\u00f3n variable (malus) y de recuperaci\u00f3n de la retribuci\u00f3n variable ya satisfecha (clawback) durante la totalidad del
periodo de diferimiento e indisponibilidad, que resultar\u00e1n aplicables en caso de producirse determinadas circunstancias
recogidas en las pol\u00edticas de remuneraciones.
\u2013No se podr\u00e1n utilizar estrategias personales de cobertura o seguros relacionados con la retribuci\u00f3n variable y la
responsabilidad que menoscaben los efectos de alineaci\u00f3n con la gesti\u00f3n prudente de los riesgos.
\u2013El componente variable de la remuneraci\u00f3n correspondiente a un ejercicio (entendido como la suma de todos los
componentes variables de la remuneraci\u00f3n) estar\u00e1 limitado a un importe m\u00e1ximo del 100% del componente fijo de la
remuneraci\u00f3n total (entendido como la suma de todos los componentes fijos de la remuneraci\u00f3n), salvo que la Junta
General de Accionistas de BBVA acuerde elevar dicho porcentaje hasta un m\u00e1ximo del 200%.
\u2013A estos efectos, la Junta General de Accionistas de BBVA celebrada el 18 de marzo de 2022 acord\u00f3 elevar el nivel m\u00e1ximo
de retribuci\u00f3n variable de hasta el 200% del componente fijo de la remuneraci\u00f3n total, a un determinado n\u00famero de
miembros del Colectivo Identificado, en los t\u00e9rminos que se indican en el informe emitido a estos efectos por el Consejo de
Administraci\u00f3n de BBVA en fecha 09 de febrero de 2022.
\u2013Cualquier otro concepto retributivo, distinto de la Retribuci\u00f3n Variable Anual, que tenga la consideraci\u00f3n de remuneraci\u00f3n
variable, estar\u00e1 sujeto a las reglas de concesi\u00f3n, consolidaci\u00f3n y pago que le sean aplicables de acuerdo con la
configuraci\u00f3n del propio elemento retributivo y con su naturaleza.
Durante el ejercicio 2022, conforme a las pol\u00edticas retributivas aplicables, se ha consolidado el derecho del Colectivo Identificado a
recibir un total de 3.420.608 acciones o instrumentos vinculados a las acciones de BBVA correspondientes a la Parte Inicial de la
Retribuci\u00f3n Variable Anual del ejercicio 2021, en su mayor\u00eda, y a otros componentes variables de la remuneraci\u00f3n.
Por otro lado, conforme a la pol\u00edtica de remuneraciones aplicable en el ejercicio 2017, durante el ejercicio 2022 se ha entregado un
total de 106.072 acciones de BBVA correspondientes al segundo pago de la Parte Diferida de la Retribuci\u00f3n Variable Anual del
ejercicio 2017 de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n.
Por \u00faltimo, conforme a la pol\u00edtica de remuneraciones aplicable en el ejercicio 2018, durante el ejercicio 2022 se han entregado al
Colectivo Identificado un total de 3.739.044 acciones de BBVA correspondientes al primer pago de la Parte Diferida de la Retribuci\u00f3n
Variable Anual del ejercicio 2018 de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n y a la totalidad de la Parte
Diferida de la Retribuci\u00f3n Variable Anual del ejercicio 2018 del resto del Colectivo Identificado.
En el caso de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n de BBVA que ten\u00edan tal condici\u00f3n a 31 de diciembre
de 2022, la informaci\u00f3n detallada sobre las acciones entregadas se incluye en la Nota 54.
Por \u00faltimo, en cumplimiento con la regulaci\u00f3n local de Portugal y Brasil, BBVA IFIC y BBVA Brasil Banco de Investimento han
identificado (a nivel individual, respectivamente) a un colectivo en estas \u00e1reas geogr\u00e1ficas cuya retribuci\u00f3n variable anual est\u00e1 sujeta
a determinadas reglas espec\u00edficas de liquidaci\u00f3n y pago recogidas en sus respectivas pol\u00edticas de remuneraciones, en particular:
\u2013Un porcentaje de la retribuci\u00f3n variable anual queda sujeto a un diferimiento de tres a\u00f1os que se pagar\u00e1 por tercios a lo
largo de dicho periodo.
\u2013Un 50% de la retribuci\u00f3n variable anual, tanto de la parte inicial como de la parte diferida, se fijar\u00e1 en acciones de BBVA.
\u2013En BBVA IFIC, las cantidades en efectivo de la parte diferida de la retribuci\u00f3n variable anual, y sujetas a indicadores de
evaluaci\u00f3n plurianual que finalmente se abonen, ser\u00e1n objeto de actualizaci\u00f3n aplicando el \u00edndice de precios al consumo
(IPC) medido como variaci\u00f3n interanual de precios.
\u2013En BBVA Brasil Banco de Investimento, tanto las cantidades en efectivo como las cantidades en acciones de la parte
diferida de la retribuci\u00f3n variable anual ser\u00e1n objeto de actualizaci\u00f3n en efectivo.
De acuerdo al esquema retributivo se\u00f1alado, durante el ejercicio 2022 se ha entregado a este colectivo de Portugal y Brasil un total de
21.774 acciones de BBVA correspondientes a la parte inicial de la retribuci\u00f3n variable anual del ejercicio 2021.
Adicionalmente, durante el ejercicio 2022 se ha entregado a este colectivo de Portugal y Brasil un total de 3.517 acciones de BBVA
correspondientes al primer tercio de la parte diferida de la retribuci\u00f3n variable anual del ejercicio 2020 y 425 euros en concepto de
actualizaci\u00f3n (por las acciones entregadas en Brasil); un total de 4.422 acciones de BBVA correspondientes al segundo tercio de la
parte diferida de la retribuci\u00f3n variable anual 2019 y 1.203 euros en concepto de actualizaci\u00f3n (por las acciones entregadas en Brasil);
y un total de 5.083 acciones de BBVA correspondientes al \u00faltimo tercio de la parte diferida de la retribuci\u00f3n variable anual 2018 y
2.195 euros en concepto de actualizaci\u00f3n (por las acciones entregadas en Brasil).
Otros gastos de administraci\u00f3n
El desglose del saldo de este ep\u00edgrafe de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros gastos de administraci\u00f3n. Desglose por principales conceptos (Millones de euros)
2022
2021
2020
Tecnolog\u00eda y sistemas
1.394
1.176
1.088
Comunicaciones
195
175
172
Publicidad
282
207
186
Inmuebles, instalaciones y material
440
380
404
Tributos
370
347
344
Servicio de transporte de fondos, vigilancia y seguridad
214
179
161
Otros gastos de administraci\u00f3n
925
786
749
Total
3.820
3.249
3.105
Amortizaci\u00f3n
El desglose del saldo de este cap\u00edtulo de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es el siguiente:
Amortizaciones (Millones de euros)
Notas
2022
2021
2020
Activos tangibles
17
818
740
781
De uso propio
501
437
453
Derecho de uso de activos
312
299
324
Inversiones inmobiliarias y otros
5
3
3
Activos intangibles
18.2
510
494
507
Total
1.328
1.234
1.288
Provisiones o reversi\u00f3n de provisiones
En los ejercicios 2022, 2021 y 2020, las dotaciones netas con cargo a este ep\u00edgrafe de las cuentas de p\u00e9rdidas y ganancias
consolidadas fueron:
Provisiones o reversi\u00f3n de provisiones (Millones de euros)
Notas
2022
2021
2020
Pensiones y otras obligaciones de prestaciones definidas post-empleo
25
(89)
61
210
Compromisos y garant\u00edas concedidos
87
8
192
Cuestiones procesales y litigios por impuestos pendientes
210
135
208
Otras provisiones (1)
84
814
136
Total
291
1.018
746
(1) En 2021, incluye el acuerdo con la representaci\u00f3n legal de los trabajadores sobre el procedimiento de despido colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A.
en Espa\u00f1a (ver Nota 24).
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no
valorados a valor razonable con cambios en resultados y p\u00e9rdidas o ganancias netas por
modificaci\u00f3n
A continuaci\u00f3n, se presentan las correcciones de valor de los activos financieros, desglosadas por la naturaleza de dichos activos,
registradas en las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas:
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no valorados a valor razonable con cambios en
resultados y p\u00e9rdidas o ganancias netas por modificaci\u00f3n (Millones de euros)
Notas
2022
2021
2020
Activos financieros a valor razonable con cambios en otro resultado
global - Valores representativos de deuda
76
17
19
Activos financieros a coste amortizado (1)
3.303
3.017
5.160
De los que: recuperaci\u00f3n de activos fallidos por cobro en efectivo
7.2.5
(390)
(423)
(339)
Total
3.379
3.034
5.179
(1) En 2020, el importe inclu\u00eda un impacto negativo por la actualizaci\u00f3n del escenario macroecon\u00f3mico afectado por la pandemia COVID-19.
Deterioro del valor o reversi\u00f3n del deterioro de valor de inversiones en negocios
conjuntos o asociadas
El ep\u00edgrafe \u201cDeterioro del valor o reversi\u00f3n del deterioro del valor de inversiones en negocios conjuntos o asociadas\u201d registr\u00f3 una
reversi\u00f3n del deterioro de 42 millones de euros en el ejercicio 2022. En el ejercicio 2021, dicho ep\u00edgrafe no registr\u00f3 ning\u00fan deterioro o
reversi\u00f3n de deterioro, mientras que en el ejercicio 2020 presentaba un deterioro de 190 millones de euros (ver Nota 16.3).
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos no financieros
Seguidamente se presentan las p\u00e9rdidas por deterioro de los activos no financieros, desglosadas por la naturaleza de dichos activos,
registradas en las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas:
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos no financieros (Millones de euros)
Notas
2022
2021
2020
Activos tangibles (1)
17
(53)
161
125
Activos intangibles
25
19
19
Otros
55
41
9
Total
27
221
153
(1) En 2021 incluye el deterioro por el cierre de las oficinas alquiladas tras el acuerdo con la representaci\u00f3n legal de los trabajadores sobre el procedimiento de despido colectivo
planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a (ver Notas 17 y 24).
Ganancias (p\u00e9rdidas) procedentes de activos no corrientes y grupos enajenables
de elementos clasificados como mantenidos para la venta no admisibles como actividades
interrumpidas
Los principales conceptos incluidos en el saldo de este cap\u00edtulo de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas son:
Ganancias (p\u00e9rdidas) procedentes de activos no corrientes y grupos enajenables de elementos clasificados como
mantenidos para la venta no admisibles como actividades interrumpidas (Millones de euros)
Notas
2022
2021
2020
Ganancias netas por ventas de inmuebles
102
39
116
Deterioro de activos no corrientes en venta (1)
21
(221)
(97)
(103)
Ganancias (p\u00e9rdidas) por venta de participaciones clasificadas como
activos no corrientes en venta (2)
11
10
431
Ganancias por venta de otros instrumentos de capital clasificados como
activos no corrientes en venta
\u2014
8
\u2014
Total
(108)
(40)
444
(1) En 2022, incluye el cierre de la transacci\u00f3n con Merlin Properties por la cual el Grupo BBVA adquiri\u00f3 el 100% de las acciones de Tree Inversiones Inmobiliarias, SOCIMI, S.A.
(ver Nota 17). En 2021, inclu\u00eda el deterioro por el cierre de las oficinas en propiedad y la baja de instalaciones tras el acuerdo con la representaci\u00f3n legal de los trabajadores sobre
el procedimiento de despido colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a (ver Notas 21 y 24).
(2) El saldo del ejercicio 2020 corresponde principalmente a la transmisi\u00f3n de la mitad m\u00e1s una acci\u00f3n de la sociedad BBVA Allianz Seguros y Reaseguros, S.A. (ver Nota 3).\u00a0 \u00a0
Estado de flujos de efectivo consolidado
El movimiento de los ejercicios 2022, 2021 y 2020 de los pasivos financieros procedentes de actividades de financiaci\u00f3n es el
siguiente:
Movimiento de pasivos procedentes de actividades de financiaci\u00f3n (Millones de euros)
Pasivos a coste amortizado - Valores
representativos de deuda
De los que: Emisiones de pasivos
subordinados (1)
2022
2021
2020
2022
2021
2020
Saldo inicial
55.763
61.780
63.963
14.794
17.248
17.675
Variaciones por flujos de efectivo
(678)
(5.728)
3.003
(1.945)
(1.941)
(8)
Variaciones diferentes de las de flujo de efectivo
344
(289)
(5.186)
(364)
(513)
(419)
Adquisici\u00f3n
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Enajenaci\u00f3n
\u2014
\u2014
\u2014
\u2014
(772)
\u2014
Bajas por entidades en proceso de venta (2)
\u2014
\u2014
(3.160)
\u2014
\u2014
\u2014
Diferencias de cambio
344
(289)
(2.026)
(364)
259
(419)
Cambios en el valor razonable
\u2014
\u2014
\u2014
\u2014
Saldo final
55.429
55.763
61.780
12.485
14.794
17.248
(1) Existen dep\u00f3sitos subordinados por 24, 14 y 12 millones de euros a 31 de diciembre de 2022, 2021 y 2020, respectivamente (ver Nota 22.4 y Anexo VI). Asimismo, se
produjeron pagos de cupones de pasivos subordinados por 313, 359 y 387 millones de euros en 2022, 2021 y 2020, respectivamente. Las emisiones subordinadas de BBVA
Paraguay y del per\u00edmetro de venta de BBVA USA a 31 de diciembre de 2020 estaban registradas en la l\u00ednea de \"Pasivos incluidos en grupos enajenables de elementos que se han
clasificado como mantenidos para la venta\" del balance consolidado con saldos de 37 y 735 millones de euros, respectivamente.
(2) Incluye principalmente el saldo de sociedades del Grupo que estaban en proceso de venta en Estados Unidos incluidas en la venta a PNC (ver Notas 3 y 21).
Honorarios de auditor\u00eda
Los honorarios por servicios contratados para el ejercicio de 2022 por las sociedades del Grupo BBVA con sus respectivos auditores
y otras empresas auditoras, se presentan a continuaci\u00f3n:
Honorarios por auditor\u00edas realizadas y otros servicios relacionados (1) (Millones de euros)
2022
Auditor\u00edas de las sociedades realizadas por las firmas de la organizaci\u00f3n mundial EY y otros trabajos
relacionados con la auditor\u00eda (2)
24,8
Otros informes requeridos por supervisores o por la normativa legal y fiscal de los pa\u00edses en los que el
Grupo opera, y realizados por las firmas de la organizaci\u00f3n mundial EY
1,0
Honorarios por auditor\u00edas realizadas por otras firmas
0,1
(1) Independientemente del periodo de facturaci\u00f3n.
(2) Se incluyen los honorarios correspondientes a auditor\u00edas legales de Cuentas Anuales (21,7 millones de euros a 31 de diciembre de 2022).
Adicionalmente, distintas sociedades del Grupo BBVA contrataron en el ejercicio de 2022 servicios distintos del de auditor\u00eda, seg\u00fan el
siguiente detalle:
Otros servicios prestados (Millones de euros)
2022
Firmas de la organizaci\u00f3n mundial EY
0,1
Dentro de este total de servicios contratados, el detalle de los servicios prestados por Ernst & Young, S.L. a BBVA, S.A. o sus
sociedades controladas a la fecha de formulaci\u00f3n de estos estados financieros ha sido el siguiente:
Honorarios por auditor\u00edas realizadas y otros servicios prestados (1) (Millones de euros)
2022
Auditor\u00eda legal a BBVA, S.A. o sus sociedades controladas
7,6
Otros servicios de auditor\u00eda a BBVA o sus sociedades controladas
5,2
Revisi\u00f3n limitada a BBVA, S.A. o sus sociedades controladas
1,4
Informes relativos a emisiones
0,4
Trabajos de assurance y otros requeridos por el regulador
0,8
(1) Servicios prestados por Ernst & Young, S.L. a sociedades ubicadas en Espa\u00f1a, la sucursal de BBVA en Nueva York y a la sucursal de BBVA en Londres.
Los servicios contratados con los auditores cumplen con los requisitos de independencia del auditor externo recogidos en la Ley de
Auditor\u00eda de Cuentas (Ley 22/2015), as\u00ed como en la Sarbanes-Oxley Act of 2002, asumida por la Securities and Exchange Commission
(SEC).
Operaciones con partes vinculadas
BBVA y otras sociedades del Grupo, en su condici\u00f3n de entidades financieras, mantienen operaciones con sus partes vinculadas
dentro del curso ordinario de sus negocios. Estas operaciones son de escasa relevancia y se realizan en condiciones normales de
mercado. A 31 de diciembre de 2022, 2021 y 2020, se han identificado operaciones con las siguientes partes vinculadas:
Operaciones con accionistas significativosA 31 de diciembre de 2022, 2021 y 2020, no exist\u00edan accionistas considerados como significativos (ver Nota 26). Operaciones con entidades del Grupo BBVA
Los saldos de las principales magnitudes de los balances consolidados adjuntos originados por las transacciones efectuadas por el
Grupo BBVA con los negocios conjuntos y asociadas, son los siguientes:
Saldos del balance consolidado derivados de operaciones con entidades del Grupo (Millones de euros)
2022
2021
2020
Activo
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
9
9
148
Pr\u00e9stamos y anticipos a la clientela
1.842
2.031
1.743
Valores representativos de deuda
7
7
\u2014
Pasivo
Dep\u00f3sitos de entidades de cr\u00e9dito
1
1
\u2014
Dep\u00f3sitos de la clientela
204
296
791
Pro-memoria
Compromisos de pr\u00e9stamo concedidos
136
154
132
Otros compromisos concedidos
751
1.056
1.400
Garant\u00edas financieras concedidas
10
11
11
En las Cuentas Anuales consolidadas no hay otros efectos significativos con origen en las relaciones mantenidas con estas entidades,
salvo: los derivados de la aplicaci\u00f3n del criterio de valoraci\u00f3n por el m\u00e9todo de la participaci\u00f3n (ver Nota 2.1); de las p\u00f3lizas de
seguros para cobertura de compromisos por pensiones o similares, que se describen en la Nota 25; y las operaciones de futuro
formalizadas por el Grupo BBVA con esos negocios conjuntos y asociadas.
Adicionalmente, el Grupo BBVA tiene formalizados, dentro de su actividad habitual, acuerdos y compromisos de diversa naturaleza
con accionistas de sociedades dependientes, negocios conjuntos y asociadas, de los que no se derivan impactos significativos en los
estados financieros consolidados.
Operaciones con los miembros del Consejo de Administraci\u00f3n y de la Alta Direcci\u00f3n
Las operaciones celebradas entre BBVA o Sociedades de su Grupo con miembros del Consejo de Administraci\u00f3n y de la Alta
Direcci\u00f3n del Banco, as\u00ed como con sus partes vinculadas, pertenecen al giro o tr\u00e1fico ordinario del Banco, son de escasa relevancia,
entendiendo por tales aquellas cuya informaci\u00f3n no sea necesaria para expresar la imagen fiel del patrimonio, de la situaci\u00f3n
financiera y de los resultados de la entidad, y han sido realizadas en condiciones normales de mercado o en condiciones aplicables al
resto de empleados.
A continuaci\u00f3n se facilita el importe y la naturaleza de las principales operaciones realizadas con los miembros del Consejo de
Administraci\u00f3n y de la Alta Direcci\u00f3n del Banco, as\u00ed como con sus respectivas partes vinculadas.
Saldo a 31 de diciembre de cada ejercicio (miles de euros)
2022
2021
2020
Consejeros
Partes
vinculadas
de los
consejeros
Alta
Direcci\u00f3n (1)
Partes
vinculadas
de la Alta
Direcci\u00f3n
Consejeros
Partes
vinculadas
de los
consejeros
Alta
Direcci\u00f3n (1)
Partes
vinculadas
de la Alta
Direcci\u00f3n
Consejeros
Partes
vinculadas
de los
consejeros
Alta
Direcci\u00f3n (1)
Partes
vinculadas
de la Alta
Direcci\u00f3n
Pr\u00e9stamos y
cr\u00e9ditos
668
1.880
6.321
764
765
207
5.419
573
\u2014
\u2014
5.349
580
Avales
\u2014
\u2014
10
\u2014
\u2014
\u2014
10
\u2014
\u2014
\u2014
10
25
Cr\u00e9ditos
Comerciales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(1) Excluidos los consejeros ejecutivos
La informaci\u00f3n sobre retribuciones y otras prestaciones a los miembros del Consejo de Administraci\u00f3n y de la Alta Direcci\u00f3n de BBVA
se describe en la Nota 54.
Retribuciones y otras prestaciones al Consejo de Administraci\u00f3n y a miembros de
la Alta Direcci\u00f3n del Banco
Remuneraciones de los consejeros no ejecutivos
Las retribuciones de los consejeros no ejecutivos miembros del Consejo de Administraci\u00f3n durante los ejercicios 2022 y 2021 son las
que se indican a continuaci\u00f3n, de manera individualizada y por concepto retributivo:
Retribuci\u00f3n de los consejeros no ejecutivos (Miles de euros)
Consejo de
Administraci\u00f3n
Comisi\u00f3n
Delegada
Permanente
Comisi\u00f3n de
Auditor\u00eda
Comisi\u00f3n de
Riesgos y
Cumplimiento
Comisi\u00f3n de
Retribuciones
Comisi\u00f3n de
Nombramientos
y Gobierno
Corporativo
Comisi\u00f3n de
Tecnolog\u00eda y
Ciberseguridad
Otros
cargos (1)
Total
2022
2021
Jos\u00e9 Miguel Andr\u00e9s
Torrecillas
129
167
66
115
50
527
527
Jaime Caruana Lacorte
129
167
165
107
567
567
Ra\u00fal Galamba de
Oliveira
129
107
43
53
332
278
Bel\u00e9n Garijo L\u00f3pez
129
66
107
46
349
349
Connie Hedegaard ( 2)
107
107
0
Sunir Kumar Kapoor (3)
32
11
43
172
Lourdes M\u00e1iz Carro
129
66
43
238
238
Jos\u00e9 Maldonado Ramos
129
167
46
342
342
Ana Peralta Moreno
129
66
43
238
238
Juan Pi Llorens
129
214
46
43
27
458
512
Ana Revenga Shanklin
129
107
29
264
236
Susana Rodr\u00edguez
Vidarte
129
167
107
46
449
449
Carlos Salazar Lomel\u00edn
129
43
172
172
Jan Verplancke
129
43
43
214
214
Total (4)
1.684
667
431
642
278
301
168
130
4.300
4.293
(1) Consejera nombrada por la Junta General celebrada el 18 de marzo de 2022, por lo que la asignaci\u00f3n de acciones te\u00f3ricas no corresponde hasta 2023.
(2) Consejero que ces\u00f3 en su cargo el 18 de marzo de 2022. En aplicaci\u00f3n del sistema, percibi\u00f3, tras su cese, un total de 36.922 acciones de BBVA, lo que equivale al total de
acciones te\u00f3ricas acumuladas hasta dicha fecha.
(3) El n\u00famero de acciones te\u00f3ricas asignadas en 2022 y 2021 a cada consejero no ejecutivo es equivalente al 20% de la asignaci\u00f3n fija anual total en efectivo percibida en 2021 y
2020, respectivamente, por cada uno de ellos, seg\u00fan la media de los precios de cierre de la acci\u00f3n de BBVA durante las 60 sesiones burs\u00e1tiles anteriores a las Juntas Generales
de 18 de marzo de 2022 y de 20 de abril de 2021, que fue de 5,47 y 4,44 euros por acci\u00f3n, respectivamente.
Remuneraciones de los consejeros ejecutivos
Las retribuciones de los consejeros ejecutivos correspondientes a los ejercicios 2022 y 2021 en aplicaci\u00f3n de la Pol\u00edtica de
Remuneraciones de los Consejeros de BBVA aprobada por la Junta General de 20 de abril de 2021, se indican a continuaci\u00f3n, de
manera individualizada y por concepto retributivo:
Retribuci\u00f3n Fija Anual (Miles de euros)
2022
2021
Presidente
2.924
2.924
Consejero Delegado
2.179
2.179
Total
5.103
5.103
Adem\u00e1s, el Consejero Delegado, ha percibido durante los ejercicios 2022 y 2021, de conformidad con las condiciones establecidas en
la Pol\u00edtica de Remuneraciones de los Consejeros de BBVA, en cada ejercicio, las cantidades de 654 miles de euros en concepto de
\u201ccash in lieu of pension\u201d (equivalente al 30% de su Retribuci\u00f3n Fija Anual), al no contar con una prestaci\u00f3n por jubilaci\u00f3n (ver
apartado sobre \u201cObligaciones contra\u00eddas en materia de previsi\u00f3n con consejeros ejecutivos\u201d de esta Nota) y de 600 miles de euros en
concepto de complemento de movilidad.
Retribuci\u00f3n en especie (Miles de euros)
Asimismo, durante los ejercicios 2022 y 2021, se han satisfecho retribuciones en especie a favor de los consejeros ejecutivos, que
incluyen primas por seguros y otras, por importe de 283 miles de euros y 328 miles de euros en el caso del Presidente y 155 miles de
euros y 158 miles de euros en el caso del Consejero Delegado, respectivamente.
Retribuci\u00f3n Variable Anual (RVA)
2022 (2)
2021 (1)
En efectivo
(Miles de euros)
En acciones
En efectivo
(Miles de euros)
En acciones
Presidente
926
158.169
849
159.235
Consejero Delegado
712
121.646
645
120.977
Total
1.639
279.815
1.494
280.212
(1) Retribuciones diferidas de ejercicios anteriores cuya entrega proced\u00eda una vez cerrado el ejercicio 2021. Su abono al Presidente y
el Consejero Delegado se produjo en 2022 en los porcentajes que en cada caso resultaban aplicables en atenci\u00f3n a las reglas de
consolidaci\u00f3n y pago establecidas en las pol\u00edticas retributivas vigentes en cada ejercicio:
\u2022RVA Diferida 2018: en 2022 se ha satisfecho el primer pago (60% de la Parte Diferida) en el caso del Presidente y pago de la
totalidad en el caso del Consejero Delegado, incluyendo en ambos casos la actualizaci\u00f3n de su parte en efectivo. Esta
retribuci\u00f3n est\u00e1 asociada a sus anteriores cargos como Consejero Delegado y President & CEO de BBVA USA,
respectivamente.
\u2022RVA Diferida 2017: en 2022 se ha satisfecho al Presidente el segundo pago (20% de la Parte Diferida), incluyendo la
actualizaci\u00f3n de su parte en efectivo. Esta retribuci\u00f3n est\u00e1 asociada a su anterior cargo como Consejero Delegado.
(2) Retribuciones diferidas de ejercicios anteriores cuya entrega corresponde una vez cerrado el ejercicio 2022. Su abono al
Presidente y/o al Consejero Delegado se producir\u00e1 en 2023 en los porcentajes que en cada caso resultan aplicables en atenci\u00f3n a las
reglas de consolidaci\u00f3n y pago establecidas en las pol\u00edticas retributivas vigentes en cada ejercicio:
\u2022RVA Diferida 2021: corresponde el primer pago (20% de la Parte Diferida) a los consejeros ejecutivos, incluyendo la
actualizaci\u00f3n de su parte en efectivo. Tras ello, quedar\u00e1 diferido, para ambos consejeros ejecutivos, el 80% de la RVA Diferida
2021 que, de darse las condiciones para ello, se abonar\u00e1 en 2024, 2025, 2026 y 2027.
\u2022RVA Diferida 2019: corresponde el primer pago (60% de la Parte Diferida) a los consejeros ejecutivos, incluyendo la
actualizaci\u00f3n de su parte en efectivo, y tras haberse comprobado que no procede su reducci\u00f3n atendiendo al resultado de los
indicadores de evaluaci\u00f3n plurianual determinados en 2019 por el Consejo de Administraci\u00f3n. Tras ello, quedar\u00e1 diferido, para
ambos consejeros ejecutivos, el 40% de la RVA Diferida 2019 que, de darse las condiciones para ello, ser\u00e1 percibido en 2024
y 2025.
\u2022RVA Diferida 2018: corresponde el segundo pago (20% de la Parte Diferida) al Presidente, incluyendo la actualizaci\u00f3n de su
parte en efectivo. Tras ello, quedar\u00e1 diferido el 20% de la RVA Diferida 2018 que, de darse las condiciones para ello, se
abonar\u00e1 en 2024. Esta retribuci\u00f3n est\u00e1 asociada a su anterior cargo como Consejero Delegado.
\u2022RVA Diferida 2017: corresponde el tercer y \u00faltimo pago (20% de la Parte Diferida) al Presidente, incluyendo la actualizaci\u00f3n
de su parte en efectivo. Tras ello, quedar\u00e1 concluido el pago al Presidente de la RVA Diferida 2017. Esta retribuci\u00f3n est\u00e1
asociada a su anterior cargo como Consejero Delegado.
Obligaciones contra\u00eddas en materia de previsi\u00f3n con consejeros ejecutivos
El Banco no ha asumido compromisos en materia de previsi\u00f3n con los consejeros no ejecutivos.
Por lo que respecta a los consejeros ejecutivos, la Pol\u00edtica de Remuneraciones de los Consejeros de BBVA establece un marco
previsional por el cual, en el caso del Presidente, tiene reconocido el derecho a percibir una prestaci\u00f3n de jubilaci\u00f3n, en forma de
renta o de capital, cuando alcance la edad legalmente establecida para ello, siempre que no se produzca su cese debido al
incumplimiento grave de sus funciones, cuyo importe ser\u00e1 el que resulte de las aportaciones anuales realizadas por el Banco, junto
con sus correspondientes rendimientos acumulados a esa fecha.
La aportaci\u00f3n anual para la cobertura de la contingencia de jubilaci\u00f3n en el sistema de aportaci\u00f3n definida del Presidente, establecida
en la Pol\u00edtica de Remuneraciones de los Consejeros de BBVA aprobada por la Junta General en 2021, es de 439 miles de euros. Este
importe podr\u00e1 actualizarse por el Consejo de Administraci\u00f3n durante el plazo de vigencia de la Pol\u00edtica en la misma medida en que se
actualice su Retribuci\u00f3n Fija Anual, en los t\u00e9rminos establecidos en la misma.
Un 15% de la aportaci\u00f3n anual pactada girar\u00e1 sobre componentes variables y tendr\u00e1 la consideraci\u00f3n de \u201cbeneficios discrecionales de
pensi\u00f3n\u201d, quedando por ello sujeta a las condiciones de entrega en acciones, retenci\u00f3n y recuperaci\u00f3n establecidas en la normativa
aplicable, as\u00ed como a aquellas otras condiciones de la retribuci\u00f3n variable que les sean aplicables de conformidad con la Pol\u00edtica de
Remuneraciones de los Consejeros de BBVA.
En caso de extinci\u00f3n de la relaci\u00f3n contractual antes de alcanzar la edad de jubilaci\u00f3n por causa distinta al incumplimiento grave de
sus funciones, la prestaci\u00f3n de jubilaci\u00f3n que corresponda percibir al Presidente cuando alcance la edad legalmente establecida para
ello, ser\u00e1 calculada sobre el fondo acumulado por las aportaciones realizadas por el Banco, en los t\u00e9rminos indicados, hasta esa
fecha, m\u00e1s sus correspondientes rendimientos acumulados, sin que el Banco tenga que realizar aportaci\u00f3n adicional alguna desde el
momento de la extinci\u00f3n.
Por lo que respecta a los compromisos asumidos para cubrir las contingencias de fallecimiento e invalidez con el Presidente, el Banco
asumir\u00e1 el pago de las correspondientes primas anuales de seguro, con objeto de completar las coberturas por estas contingencias.
De acuerdo con lo anterior, en el ejercicio 2022, se ha registrado un importe de 451 miles de euros que integra la aportaci\u00f3n anual
pactada para cubrir la contingencia de jubilaci\u00f3n, que es de 439 miles de euros, y un importe de 12 miles de euros correspondiente al
ajuste al alza de los \u201cbeneficios discrecionales de pensi\u00f3n\u201d del ejercicio 2021, que fueron declarados a cierre de dicho ejercicio y que
correspond\u00eda aportar al fondo acumulado en 2022. Asimismo, se ha satisfecho un importe de 473 miles de euros en concepto de
primas para las contingencias de fallecimiento e invalidez.
A 31 de diciembre de 2022, el total del fondo acumulado para atender los compromisos de jubilaci\u00f3n con el Presidente asciende a
22.771 miles de euros.
Por otro lado, de la aportaci\u00f3n anual pactada para la contingencia de jubilaci\u00f3n correspondiente al ejercicio 2022, el 15% (66 miles de
euros) se ha registrado en dicho ejercicio como \u201cbeneficios discrecionales de pensi\u00f3n\u201d. Una vez cerrado el ejercicio, se ha procedido a
ajustar dicho importe, aplicando los mismos criterios empleados para determinar la Retribuci\u00f3n Variable Anual del Presidente
correspondiente al ejercicio 2022, quedando determinados en un importe de 85 miles de euros, lo que supone un ajuste al alza de 19
miles de euros. Estos \u201cbeneficios discrecionales de pensi\u00f3n\u201d se aportar\u00e1n al fondo acumulado en el ejercicio 2023, y quedar\u00e1n
sujetos a las condiciones establecidas para los mismos en la Pol\u00edtica de Remuneraciones de los Consejeros de BBVA.
Por lo que respecta al Consejero Delegado, de conformidad con lo establecido en la Pol\u00edtica de Remuneraciones de los Consejeros de
BBVA y en su contrato, el Banco no ha asumido compromisos por jubilaci\u00f3n, si bien tiene derecho a una cantidad anual en efectivo, en
lugar de la prestaci\u00f3n de jubilaci\u00f3n (\u201ccash in lieu of pension\u201d), de cuant\u00eda equivalente al 30% de la Retribuci\u00f3n Fija Anual. Conforme a
lo anterior, en el ejercicio 2022 el Banco ha satisfecho al Consejero Delegado el importe de remuneraci\u00f3n fija en concepto de \u201ccash in
lieu of pension\u201d recogido en el apartado de \u201cRemuneraciones de los consejeros ejecutivos\u201d de esta Nota.
Por otra parte, el Banco ha asumido compromisos en materia de previsi\u00f3n en el caso del Consejero Delegado para cubrir las
contingencias de fallecimiento e invalidez, a cuyos efectos se abonan las correspondientes primas anuales de seguro. A estos efectos,
en 2022 se han registrado 285 miles de euros por este concepto.
Consejeros ejecutivos (Miles de euros)
Aportaciones (1)
Fondos acumulados
Jubilaci\u00f3n
Fallecimiento e invalidez
2022
2021
2022
2021
2022
2021
Presidente
451
340
473
574
22.771
24.546
Consejero Delegado
\u2014
\u2014
285
295
\u2014
\u2014
Total
451
340
758
869
22.771
24.546
Retribuci\u00f3n en especie (Miles de euros)
Durante los ejercicios 2022 y 2021, se han satisfecho al conjunto del colectivo de la Alta Direcci\u00f3n, excluidos los consejeros
ejecutivos, retribuciones en especie, que incluyen primas por seguros y otras, por importe total conjunto de 1.093 miles de euros y
1.409 miles de euros, respectivamente.
Retribuci\u00f3n Variable Anual (RVA)
2022 (2)
2021 (1)
En efectivo
(Miles de euros)
En acciones
En efectivo
(Miles de euros)
En acciones
Total Alta Direcci\u00f3n
2.143
365.746
1.849
346.106
Resultados e ingresos de las actividades ordinarias por segmentos de negocio
El desglose de los resultados consolidados e ingresos de las actividades ordinarias de los ejercicios 2022, 2021 y 2020, por
segmentos de negocio, es:
Resultados e ingresos de las actividades ordinarias del Grupo por segmentos de negocio (Millones de euros)
Ingresos de las actividades
ordinarias (1) (2)
Resultados (3)
2022
2021
2020
2022
2021
2020
Espa\u00f1a
9.501
8.225
8.583
1.678
1.548
647
M\u00e9xico
16.829
11.685
11.048
4.182
2.551
1.749
Turqu\u00eda
7.903
7.388
6.594
509
739
563
Am\u00e9rica del Sur
8.699
5.961
5.621
734
476
432
Resto de Negocios
1.357
925
1.126
240
276
221
Subtotal resultados de \u00e1reas de negocio
44.289
34.184
32.972
7.342
5.590
3.612
Centro Corporativo y ajustes (4)
(178)
284
(289)
(922)
(938)
(2.307)
Total
44.111
34.468
32.683
6.420
4.653
1.305
(1) Incluye los ingresos por intereses; los ingresos por dividendos; los ingresos por comisiones; las ganancias o p\u00e9rdidas al dar de baja en cuentas activos y pasivos financieros no
valorados a valor razonable con cambios en resultados, netas; las ganancias o p\u00e9rdidas por activos y pasivos financieros mantenidos para negociar, netas; las ganancias o
p\u00e9rdidas por activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable con cambios en resultados, netas; las ganancias o p\u00e9rdidas por activos
y pasivos financieros designados a valor razonable con cambios en resultados, netas; las ganancias o p\u00e9rdidas resultantes de la contabilidad de coberturas, netas; otros ingresos
de explotaci\u00f3n; y los ingresos amparados por contratos de seguro o reaseguro.
(2) En el primer trimestre de 2022 el Grupo cambi\u00f3 el criterio de asignaci\u00f3n de ciertos gastos relacionados con proyectos tecnol\u00f3gicos globales entre el Centro Corporativo y las
\u00e1reas de negocio. Tambi\u00e9n, en el primer trimestre de 2022 se traslad\u00f3 un equipo de renta variable de la unidad de Global Markets desde Espa\u00f1a a Nueva York, con el
correspondiente traspaso de los costes asociados a este traslado desde el \u00e1rea de Espa\u00f1a al Resto de Negocios. Por tanto, para garantizar que las comparaciones interanuales
son homog\u00e9neas, las cifras correspondientes a los ejercicios 2021 y 2020 han sido reexpresadas, sin que esto haya afectado a la informaci\u00f3n financiera consolidada del Grupo.
(3) Ver Nota 6.
(4) Los ajustes incluyen: (I) el impacto por la compra de oficinas en Espa\u00f1a en 2022 de la transacci\u00f3n con Merlin Properties (ver Nota 17); (II) los costes asociados al
procedimiento de despido colectivo en 2021 (ver Nota 24); y (III) la plusval\u00eda de la operaci\u00f3n de bancaseguros con Allianz en 2020 (ver Nota 3).
Ingresos por intereses por \u00e1reas geogr\u00e1ficas
El desglose del saldo del cap\u00edtulo \u201cIngresos por intereses y otros ingresos similares\u201d de las cuentas de p\u00e9rdidas y ganancias
consolidadas adjuntas, por \u00e1reas geogr\u00e1ficas, es:
Ingresos por intereses y otros ingresos similares. Desglose por \u00e1reas geogr\u00e1ficas (Millones de euros)
Notas
2022
2021
2020
Mercado espa\u00f1ol
5.410
4.311
4.677
Mercado extranjero
26.023
18.704
17.712
Uni\u00f3n Europea
473
315
400
Zona Euro
327
204
243
Zona no Euro
146
112
157
Resto de pa\u00edses
25.550
18.388
17.312
Total
37.1
31.432
23.015
22.389
Plantilla de empleados
El desglose de la plantilla media de los ejercicios 2022, 2021 y 2020 es el siguiente:
Plantilla media Grupo BBVA (N\u00famero medio de empleados)
2022
2021
2020
Hombres
53.642
54.116
57.814
Mujeres
59.389
62.169
67.076
Total
113.031
116.285
124.891
El n\u00famero de empleados del Grupo BBVA a 31 de diciembre de 2022, 2021 y 2020, distribuido por categor\u00edas y g\u00e9nero, era el
siguiente:
N\u00famero de empleados al cierre por categor\u00eda profesional y g\u00e9nero
2022
2021
2020
Hombres
Mujeres
Hombres
Mujeres
Hombres
Mujeres
Equipo gestor
3.425
1.726
3.211
1.572
3.257
1.520
Managers
19.361
19.116
18.461
18.810
14.851
13.375
T\u00e9cnicos y administrativos
32.139
39.908
30.237
38.141
38.873
51.298
Total
54.925
60.750
51.909
58.523
56.981
66.193
Las cifras del ejercicio 2021 consideran el acuerdo con la representaci\u00f3n legal de los trabajadores sobre el procedimiento de despido
colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a (ver Nota 24). Las cifras del ejercicio 2020 incluyen
empleados de las sociedades vendidas en Estados Unidos en 2021 (ver Nota 3).
55.3 Pol\u00edticas y procedimientos sobre el mercado hipotecario
En el Anexo X se encuentra la informaci\u00f3n sobre pol\u00edticas y procedimientos sobre el mercado hipotecario (tanto para la concesi\u00f3n de
pr\u00e9stamos hipotecarios como para las emisiones de deuda con la garant\u00eda de los mismos) requerida por la Circular 5/2011 de Banco
de Espa\u00f1a, en aplicaci\u00f3n del Real Decreto 716/2009, de 24 de abril, de regulaci\u00f3n del mercado hipotecario y otras normas del
sistema hipotecario y financiero y del Real Decreto 24/2021, de 2 de noviembre, de transposici\u00f3n de directivas de la Uni\u00f3n Europea
en las materias de bonos garantizados y distribuci\u00f3n transfronteriza de organismos de inversi\u00f3n colectiva, entre otros.
Hechos posteriores
El 1 de febrero de 2023 se anunci\u00f3 que estaba previsto proponer a los \u00f3rganos sociales correspondientes un reparto en efectivo por
importe de 0,31 euros brutos por acci\u00f3n en abril como dividendo complementario del ejercicio 2022 y la ejecuci\u00f3n de un programa de
recompra de acciones de BBVA por importe de 422 millones de euros, sujeto a la obtenci\u00f3n de las autorizaciones regulatorias
correspondientes y a la comunicaci\u00f3n de los t\u00e9rminos y condiciones concretos del programa antes del inicio de su ejecuci\u00f3n (ver
Nota 4).
En relaci\u00f3n con el reciente terremoto sucedido en Turqu\u00eda, en estos primeros momentos, el Grupo est\u00e1 trabajando en la definici\u00f3n de
algunas medidas de urgencia que ayuden a paliar los efectos de la crisis humanitaria producida por esta cat\u00e1strofe.\u00a0
Se han aplicado los protocolos internos necesarios para monitorizar la situaci\u00f3n y comenzar a evaluar los impactos directos y futuros
para el Grupo que puedan derivarse de la misma. La exposici\u00f3n directa del Grupo en las zonas afectadas por el se\u00edsmo no es
significativa y, hasta la fecha de formulaci\u00f3n de estas Cuentas Anuales consolidadas, no se han identificado impactos relevantes en la
continuidad futura de las operaciones y los negocios del Grupo en Turqu\u00eda. No obstante, no es posible realizar en estos momentos
una previsi\u00f3n de los impactos futuros que puedan derivarse de esta situaci\u00f3n.\u00a0 Dichos impactos, en su caso, se registrar\u00e1n en los
estados financieros del Grupo en un momento posterior.
Desde el 1 de enero de 2023 hasta la fecha de formulaci\u00f3n de las Cuentas Anuales consolidadas adjuntas no se han producido otros
hechos, no mencionados anteriormente en las notas a los presentes estados financieros consolidados, que afecten de forma
significativa a los resultados del Grupo o a la situaci\u00f3n patrimonial del mismo.
ANEXO I. Informaci\u00f3n adicional sobre sociedades dependientes que componen el Grupo
BBVA y entidades estructuradas a 31 de diciembre de 2022
% de participaci\u00f3n en el capital
social (1)
Millones de euros (2)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en
libros
Patrimonio
neto
excluido
resultados\u00a0
31.12.2022
Resultado\u00a0
31.12.2022
ACTIVOS MACORP SL
ESPA\u00d1A
INMOBILIARIA
50,64
49,36
100,00
3
3
\u2014
ADQUIRA MEXICO SA DE CV
MEXICO
SERVICIOS
\u2014
100,00
100,00
8
5
3
ALCALA 120 PROMOC. Y GEST.IMMOB. S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
18
17
2
ANIDA GRUPO INMOBILIARIO SL
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
1.194
1.189
12
ANIDA INMOBILIARIA, S.A. DE C.V.
MEXICO
CARTERA
\u2014
100,00
100,00
37
36
2
ANIDA OPERACIONES SINGULARES, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
1.142
1.128
14
ANIDA PROYECTOS INMOBILIARIOS, S.A. DE C.V.
MEXICO
INMOBILIARIA
\u2014
100,00
100,00
25
25
\u2014
ANIDAPORT INVESTIMENTOS IMOBILIARIOS,
UNIPESSOAL, LTDA
PORTUGAL
INMOBILIARIA
\u2014
100,00
100,00
24
17
(1)
ANTHEMIS BBVA VENTURE PARTNERSHIP LLP
REINO UNIDO
CARTERA
\u2014
100,00
100,00
11
9
7
APLICA NEXTGEN OPERADORA S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
APLICA NEXTGEN SERVICIOS S.A. DE C.V
MEXICO
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
ARRAHONA IMMO, S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
53
114
\u2014
ARRAHONA NEXUS, S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
56
62
\u2014
ARRELS CT FINSOL, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
59
75
\u2014
ARRELS CT PATRIMONI I PROJECTES, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
22
22
\u2014
ARRELS CT PROMOU SA
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
17
25
(1)
BAHIA SUR RESORT S.C.
ESPA\u00d1A
SIN ACTIVIDAD
99,95
\u2014
99,95
\u2014
\u2014
\u2014
BANCO BBVA ARGENTINA S.A.
ARGENTINA
BANCA
39,97
26,59
66,55
158
671
925
BANCO BBVA PER\u00da SA (3)
PERU
BANCA
\u2014
46,12
46,12
1.278
2.300
474
BANCO BILBAO VIZCAYA ARGENTARIA URUGUAY
SA
URUGUAY
BANCA
100,00
\u2014
100,00
110
221
29
BANCO OCCIDENTAL SA
ESPA\u00d1A
BANCA
49,43
50,57
100,00
17
18
\u2014
BANCO PROVINCIAL OVERSEAS NV
CURACAO
BANCA
\u2014
100,00
100,00
44
42
2
BANCO PROVINCIAL SA - BANCO UNIVERSAL
VENEZUELA
BANCA
1,46
53,75
55,21
46
208
7
BBV AMERICA SL
ESPA\u00d1A
CARTERA
99,80
0,20
100,00
\u2014
581
31
BBVA (SUIZA) SA
SUIZA
BANCA
100,00
\u2014
100,00
114
139
7
BBVA AGENCIA DE SEGUROS COLOMBIA LTDA
COLOMBIA
SEGUROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
BBVA AI FACTORY SL
ESPA\u00d1A
SERVICIOS
\u2014
100,00
100,00
6
4
\u2014
BBVA ASSET MANAGEMENT ARGENTINA SAU
SOCIEDAD GERENTE DE FONDOS COMUNES DE
INVERSI\u00d3N
ARGENTINA
GESTORAS DE FONDOS
DE INVERSI\u00d3N
\u2014
100,00
100,00
20
\u2014
20
BBVA ASSET MANAGEMENT MEXICO SA DE CV,
SOC.OPERADORA DE FONDOS DE INVERSION,
GRUPO FRO. BBVA MEXICO
MEXICO
GESTORAS DE FONDOS
DE INVERSI\u00d3N
\u2014
100,00
100,00
36
23
13
BBVA ASSET MANAGEMENT SA SAF
PERU
GESTORAS DE FONDOS
DE INVERSI\u00d3N
\u2014
100,00
100,00
7
5
2
BBVA ASSET MANAGEMENT SA SGIIC
ESPA\u00d1A
GESTORAS DE FONDOS
DE INVERSI\u00d3N
100,00
\u2014
100,00
36
(80)
116
BBVA ASSET MANAGEMENT SA SOCIEDAD
FIDUCIARIA (BBVA FIDUCIARIA)
COLOMBIA
GESTORAS DE FONDOS
DE INVERSI\u00d3N
\u2014
100,00
100,00
20
15
5
BBVA AXIAL TECH SA DE CV
MEXICO
SERVICIOS
100,00
\u2014
100,00
192
249
15
BBVA BOLSA SOCIEDAD AGENTE DE BOLSA S.A.
PERU
SOCIEDAD DE VALORES
(INVERSI\u00d3N MOBILIARIA)
\u2014
100,00
100,00
5
4
1
BBVA BRASIL BANCO DE INVESTIMENTO SA
BRASIL
BANCA
100,00
\u2014
100,00
16
20
\u2014
BBVA BROKER ARGENTINA SA
ARGENTINA
SEGUROS
\u2014
99,96
99,96
\u2014
2
9
BBVA BROKER CORREDURIA DE SEGUROS Y
REASEGUROS SA
ESPA\u00d1A
SERVICIOS FINANCIEROS
99,94
0,06
100,00
\u2014
2
7
(1) Conforme al Art\u00edculo 3 del Real Decreto 1159/ 2010, de 17 de septiembre, en la determinaci\u00f3n de la participaci\u00f3n, se han a\u00f1adido a los que directamente posea la sociedad
dominante, los que corresponden a las sociedades dominadas. Por lo que, el n\u00famero de votos correspondiente a la sociedad dominante (incluyendo las sociedades
dependientes de manera indirecta), corresponde al de la sociedad dependiente que participe directamente en el capital social.
(2) Importe sin considerar dividendos a cuenta que se han efectuado en el ejercicio seg\u00fan los estados financieros provisionales de cada sociedad, generalmente a 31 de
diciembre de 2022. Al importe en libros (neto de deterioro y cobertura de negocios en el extranjero), se le ha aplicado el porcentaje de propiedad del Grupo, sin considerar los
deterioros de los fondos de comercio. Datos de sociedades extranjeras al tipo de cambio del 31 de diciembre de 2022. Los datos de las sociedades domiciliadas en Turqu\u00eda y
Argentina son antes de la aplicaci\u00f3n de contabilidad por hiperinflaci\u00f3n.
(3) Sociedad consolidada por integraci\u00f3n global de acuerdo a normas contables (ver Glosario).
Informaci\u00f3n adicional sobre sociedades dependientes que componen el Grupo BBVA y
entidades estructuradas a 31 de diciembre de 2022 (continuaci\u00f3n)
% de participaci\u00f3n en el
capital social (1)
Millones de euros (2)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en
libros
Patrimonio
neto excluido
resultados\u00a0
31.12.2022
Resultado\u00a0
31.12.2022
BBVA COLOMBIA, S.A.
COLOMBIA
BANCA
77,41
18,06
95,47
341
1.062
193
BBVA CONSUMER FINANCE ENTIDAD DE DESARROLLO A
LA PEQUE\u00d1A Y MICRO EMPRESA EDPYME, S.A. (BBVA
CONSUMER FINANCE - EDPYME)
PERU
EN LIQUIDACION
\u2014
100,00
100,00
4
1
3
BBVA DISCOVERY INC
ESTADOS
UNIDOS
SERVICIOS FINANCIEROS
100,00
\u2014
100,00
9
17
(8)
BBVA DISTRIBUIDORA DE SEGUROS S.R.L.
URUGUAY
SERVICIOS FINANCIEROS
\u2014
100,00
100,00
6
3
3
BBVA FUNDOS S.GESTORA FUNDOS PENSOES, S.A.
PORTUGAL
GESTORAS DE FONDOS DE
PENSIONES
100,00
\u2014
100,00
8
6
1
BBVA GLOBAL FINANCE LTD
ISLAS CAIMAN
OTRAS SOCIEDADES
EMISORAS
100,00
\u2014
100,00
\u2014
5
\u2014
BBVA GLOBAL MARKETS BV
PAISES BAJOS
OTRAS SOCIEDADES
EMISORAS
100,00
\u2014
100,00
\u2014
\u2014
\u2014
BBVA GLOBAL SECURITIES, B.V.
PAISES BAJOS
OTRAS SOCIEDADES
EMISORAS
100,00
\u2014
100,00
\u2014
\u2014
\u2014
BBVA HOLDING CHILE, S.A.
CHILE
CARTERA
61,22
38,78
100,00
158
299
43
BBVA INFORMATION TECHNOLOGY ESPA\u00d1A, S.L.
ESPA\u00d1A
SERVICIOS
76,00
\u2014
76,00
1
5
2
BBVA INSTITUI\u00c7AO FINANCEIRA DE CREDITO, S.A.
PORTUGAL
SERVICIOS FINANCIEROS
49,90
50,10
100,00
39
61
4
BBVA LEASING MEXICO, S.A. DE CV
MEXICO
SERVICIOS FINANCIEROS
\u2014
100,00
100,00
51
214
22
BBVA MEDIACION OPERADOR DE BANCA-SEGUROS
VINCULADO, S.A.
ESPA\u00d1A
SERVICIOS FINANCIEROS
99,99
0,01
100,00
11
(14)
27
BBVA MEXICO, S.A. INSTITUCION DE BANCA MULTIPLE
GRUPO FINANCIERO BBVA MEXICO
MEXICO
BANCA
\u2014
100,00
100,00
14.382
10.770
3.611
BBVA NEXT TECHNOLOGIES OPERADORA, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
BBVA NEXT TECHNOLOGIES SLU
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
33
25
5
BBVA NEXT TECHNOLOGIES, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
BBVA OP3N S.L.
ESPA\u00d1A
SERVICIOS
\u2014
100,00
100,00
\u2014
2
\u2014
BBVA OPERADORA MEXICO, S.A. DE CV
MEXICO
SERVICIOS
\u2014
100,00
100,00
65
60
5
BBVA PENSIONES MEXICO, S.A. DE C.V., GRUPO
FINANCIERO BBVA MEXICO
MEXICO
SEGUROS
\u2014
100,00
100,00
336
242
95
BBVA PENSIONES, S.A. ENTIDAD GESTORA DE FONDOS DE
PENSIONES
ESPA\u00d1A
GESTORAS DE FONDOS DE
PENSIONES
100,00
\u2014
100,00
13
15
9
BBVA PERU HOLDING SAC
PERU
CARTERA
100,00
\u2014
100,00
109
1.066
219
BBVA PREVISION AFP, S.A. ADM.DE FONDOS DE
PENSIONES
BOLIVIA
GESTORAS DE FONDOS DE
PENSIONES
75,00
5,00
80,00
2
5
11
BBVA PROCESSING SERVICES INC.
ESTADOS
UNIDOS
SERVICIOS FINANCIEROS
100,00
\u2014
100,00
1
1
\u2014
BBVA RE INHOUSE COMPA\u00d1IA DE REASEGUROS, S.E.
ESPA\u00d1A
SEGUROS
\u2014
100,00
100,00
39
57
9
BBVA SECURITIES INC
ESTADOS
UNIDOS
SERVICIOS FINANCIEROS
100,00
\u2014
100,00
233
266
(13)
BBVA SEGUROS ARGENTINA, S.A.
ARGENTINA
SEGUROS
87,78
12,22
100,00
11
19
32
BBVA SEGUROS COLOMBIA, S.A.
COLOMBIA
SEGUROS
94,00
6,00
100,00
10
17
10
BBVA SEGUROS DE VIDA COLOMBIA, S.A.
COLOMBIA
SEGUROS
94,00
6,00
100,00
14
81
22
BBVA SEGUROS M\u00c9XICO, S.A. DE CV GRUPO FINANCIERO
BBVA MEXICO
MEXICO
SEGUROS
\u2014
100,00
100,00
518
228
290
BBVA SEGUROS, S.A. DE SEGUROS Y REASEGUROS
ESPA\u00d1A
SEGUROS
99,96
\u2014
99,96
713
675
223
BBVA SEGUROS SALUD MEXICO, S.A. DE CV GRUPO FRO.
BBVA MEXICO.
MEXICO
SEGUROS
\u2014
100,00
100,00
12
9
4
BBVA SERVICIOS ADMINISTRATIVOS MEXICO, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
36
52
(16)
BBVA SERVICIOS CORPORATIVOS MEXICO, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
4
4
\u2014
BBVA SERVICIOS, S.A.
ESPA\u00d1A
COMERCIAL
\u2014
100,00
100,00
\u2014
\u2014
\u2014
BBVA SOCIEDAD TITULIZADORA, S.A.
PERU
OTRAS SOCIEDADES
EMISORAS
\u2014
100,00
100,00
1
1
\u2014
BBVA TRADE, S.A.
ESPA\u00d1A
CARTERA
\u2014
100,00
100,00
9
9
\u2014
(1) Conforme al Art\u00edculo 3 del Real Decreto 1159/ 2010, de 17 de septiembre, en la determinaci\u00f3n de la participaci\u00f3n, se han a\u00f1adido a los que directamente posea la sociedad
dominante, los que corresponden a las sociedades dominadas. Por lo que, el n\u00famero de votos correspondiente a la sociedad dominante (incluyendo las sociedades dependientes
de manera indirecta), corresponde al de la sociedad dependiente que participe directamente en el capital social.
(2) Importe sin considerar dividendos a cuenta que se han efectuado en el ejercicio seg\u00fan los estados financieros provisionales de cada sociedad, generalmente a 31 de
diciembre de 2022. Al importe en libros (neto de deterioro y cobertura de negocios en el extranjero), se le ha aplicado el porcentaje de propiedad del Grupo, sin considerar los
deterioros de los fondos de comercio. Datos de sociedades extranjeras al tipo de cambio del 31 de diciembre de 2022. Los datos de las sociedades domiciliadas en Turqu\u00eda y
Argentina son antes de la aplicaci\u00f3n de contabilidad por hiperinflaci\u00f3n.
Informaci\u00f3n adicional sobre sociedades dependientes que componen el Grupo BBVA y
entidades estructuradas a 31 de diciembre de 2022 (continuaci\u00f3n)
% de participaci\u00f3n en el
capital social (1)
Millones de euros (2)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en libros
Patrimonio
neto excluido
resultados\u00a0
31.12.2022
Resultado\u00a0
31.12.2022
BBVA VALORES COLOMBIA, S.A. COMISIONISTA
DE BOLSA
COLOMBIA
SOCIEDAD DE VALORES
(INVERSI\u00d3N
MOBILIARIA)
\u2014
100,00
100,00
8
8
\u2014
BILBAO VIZCAYA HOLDING SAU
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
160
321
(32)
CAIXA MANRESA IMMOBILIARIA ON CASA, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
2
2
\u2014
CARTERA E INVERSIONES, S.A.
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
92
131
4
CASA DE BOLSA BBVA MEXICO, S.A. DE CV
MEXICO
SOCIEDAD DE VALORES
(INVERSI\u00d3N
MOBILIARIA)
\u2014
100,00
100,00
69
46
24
CATALONIA PROMODIS 4, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
1
1
\u2014
CATALUNYACAIXA IMMOBILIARIA, S.A.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
194
181
14
CATALUNYACAIXA SERVEIS, S.A.
ESPA\u00d1A
SERVICIOS
100,00
\u2014
100,00
2
2
\u2014
CDD GESTIONI S.R.L. IN LIQUIDAZIONE
ITALIA
EN LIQUIDACION
100,00
\u2014
100,00
\u2014
\u2014
\u2014
CIDESSA DOS, S.L.
ESPA\u00d1A
CARTERA
\u2014
100,00
100,00
16
15
2
CIERVANA, S.L.
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
53
52
2
COMERCIALIZADORA CORPORATIVA SAC
PERU
SERVICIOS
FINANCIEROS
\u2014
50,00
50,00
\u2014
\u2014
\u2014
COMERCIALIZADORA DE SERVICIOS
FINANCIEROS, S.A.
COLOMBIA
SERVICIOS
\u2014
100,00
100,00
3
4
\u2014
COMPA\u00d1IA CHILENA DE INVERSIONES, S.L.
ESPA\u00d1A
CARTERA
99,97
0,03
100,00
221
272
10
CONSOLIDAR A.F.J.P, S.A.
ARGENTINA
EN LIQUIDACION
46,11
53,89
100,00
1
\u2014
\u2014
CONTENTS AREA, S.L.
ESPA\u00d1A
SERVICIOS
\u2014
100,00
100,00
5
5
\u2014
CONTINENTAL DPR FINANCE COMPANY
ISLAS CAIMAN
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
CONTRATACION DE PERSONAL, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
CORPORACION GENERAL FINANCIERA, S.A.
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
510
885
19
CREA MADRID NUEVO NORTE, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
75,54
75,54
130
176
(4)
DATA ARCHITECTURE AND TECHNOLOGY
MEXICO, S.A. DE CV
MEXICO
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
DATA ARCHITECTURE AND TECHNOLOGY, S.L.
ESPA\u00d1A
SERVICIOS
\u2014
51,00
51,00
\u2014
4
\u2014
DATA ARQUITECTURE AND TECHNOLOGY
OPERADORA, S.A. DE CV
MEXICO
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
DEUTSCHE BANK MEXICO, S.A. FIDEICOMISO
F/1859
MEXICO
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
DEUTSCHE BANK MEXICO, S.A. FIDEICOMISO
F/1860
MEXICO
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
ECASA, S.A.
CHILE
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
39
30
10
EMPRENDIMIENTOS DE VALOR, S.A.
URUGUAY
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
3
3
\u2014
EUROPEA DE TITULIZACION, S.A. SGFT.
ESPA\u00d1A
SERVICIOS
FINANCIEROS
88,24
\u2014
88,24
2
18
2
F/11395 FIDEICOMISO IRREVOCABLE DE
ADMINISTRACION CON DERECHO DE
REVERSION (3)
MEXICO
INMOBILIARIA
\u2014
42,40
42,40
1
1
\u2014
F/253863 EL DESEO RESIDENCIAL
MEXICO
INMOBILIARIA
\u2014
65,00
65,00
\u2014
1
\u2014
FIDEICOMISO 28991-8 TRADING EN LOS
MCADOS FINANCIEROS
MEXICO
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
4
3
\u2014
FIDEICOMISO F/29764-8 SOCIO LIQUIDADOR
DE OPERACIONES FINANCIERAS DERIVADAS
MEXICO
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
57
46
11
FIDEICOMISO F/403112-6 DE ADMINISTRACION
DOS LAGOS
MEXICO
INMOBILIARIA
\u2014
100,00
100,00
\u2014
\u2014
\u2014
FIDEICOMISO HARES BBVA BANCOMER F/
47997-2
MEXICO
INMOBILIARIA
\u2014
100,00
100,00
4
3
1
FIDEICOMISO INMUEBLES CONJUNTO
RESIDENCIAL HORIZONTES DE VILLA
CAMPESTRE
COLOMBIA
INMOBILIARIA
\u2014
100,00
100,00
\u2014
1
\u2014
FIDEICOMISO LOTE 6.1 ZARAGOZA
COLOMBIA
INMOBILIARIA
\u2014
59,99
59,99
\u2014
1
\u2014
FIDEICOMISO SCOTIABANK INVERLAT S A
F100322908
MEXICO
INMOBILIARIA
\u2014
100,00
100,00
2
2
\u2014
(1) Conforme al Art\u00edculo 3 del Real Decreto 1159/ 2010, de 17 de septiembre, en la determinaci\u00f3n de la participaci\u00f3n, se han a\u00f1adido a los que directamente posea la sociedad
dominante, los que corresponden a las sociedades dominadas. Por lo que, el n\u00famero de votos correspondiente a la sociedad dominante (incluyendo las sociedades
dependientes de manera indirecta), corresponde al de la sociedad dependiente que participe directamente en el capital social.
(2) Importe sin considerar dividendos a cuenta que se han efectuado en el ejercicio seg\u00fan los estados financieros provisionales de cada sociedad, generalmente a 31 de
diciembre de 2022. Al importe en libros (neto de deterioro y cobertura de negocios en el extranjero), se le ha aplicado el porcentaje de propiedad del Grupo, sin considerar los
deterioros de los fondos de comercio. Datos de sociedades extranjeras al tipo de cambio del 31 de diciembre de 2022. Los datos de las sociedades domiciliadas en Turqu\u00eda y
Argentina son antes de la aplicaci\u00f3n de contabilidad por hiperinflaci\u00f3n.
(3) Sociedad consolidada por integraci\u00f3n global de acuerdo a normas contables (ver Glosario).
Informaci\u00f3n adicional sobre sociedades dependientes que componen el Grupo BBVA y
entidades estructuradas a 31 de diciembre de 2022 (continuaci\u00f3n)
% de participaci\u00f3n en el
capital social (1)
Millones de euros (2)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en
libros
Patrimonio
neto excluido
resultados\u00a0
31.12.2022
Resultado\u00a0
31.12.2022
FINANCIERA AYUDAMOS, S.A. DE C.V., SOFOMER
MEXICO
EN LIQUIDACION
\u2014
100,00
100,00
6
5
\u2014
FOMENTO Y DESARROLLO DE CONJUNTOS
RESIDENCIALES, S.L. EN LIQUIDACION
ESPA\u00d1A
EN LIQUIDACION
\u2014
60,00
60,00
\u2014
\u2014
\u2014
FORUM COMERCIALIZADORA DEL PERU, S.A.
PERU
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
FORUM DISTRIBUIDORA DEL PERU, S.A.
PERU
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
8
7
1
FORUM DISTRIBUIDORA, S.A.
CHILE
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
45
41
2
FORUM SERVICIOS FINANCIEROS, S.A.
CHILE
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
271
219
42
FUTURO FAMILIAR, S.A. DE C.V.
MEXICO
EN LIQUIDACION
\u2014
100,00
100,00
1
1
\u2014
G NETHERLANDS BV
PAISES BAJOS
CARTERA
\u2014
100,00
100,00
393
325
\u2014
GARANTI BANK, S.A.
RUMANIA
BANCA
\u2014
100,00
100,00
254
317
39
GARANTI BBVA AS
TURQUIA
BANCA
85,97
\u2014
85,97
5.247
4.914
2.941
GARANTI BBVA EMEKLILIK AS
TURQUIA
SEGUROS
\u2014
84,91
84,91
87
50
51
GARANTI BBVA FACTORING AS
TURQUIA
SERVICIOS
FINANCIEROS
\u2014
81,84
81,84
28
17
18
GARANTI BBVA FILO AS
TURQUIA
SERVICIOS
\u2014
100,00
100,00
100
50
50
GARANTI BBVA LEASING AS
TURQUIA
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
189
118
71
GARANTI BBVA PORTFOY AS
TURQUIA
GESTORAS DE FONDOS
DE INVERSI\u00d3N
\u2014
100,00
100,00
16
8
8
GARANTI BBVA YATIRIM AS
TURQUIA
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
112
51
61
GARANTI DIVERSIFIED PAYMENT RIGHTS FINANCE
COMPANY
ISLAS CAIMAN
OTRAS SOCIEDADES
EMISORAS
\u2014
100,00
100,00
\u2014
(8)
6
GARANTI FILO SIGORTA ARACILIK HIZMETLERI A.S.
TURQUIA
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
GARANTI HOLDING BV
PAISES BAJOS
CARTERA
\u2014
100,00
100,00
565
394
\u2014
GARANTI KONUT FINANSMANI DANISMANLIK
HIZMETLERI AS (GARANTI MORTGAGE)
TURQUIA
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
GARANTI KULTUR AS
TURQUIA
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
GARANTI ODEME SISTEMLERI AS (GOSAS)
TURQUIA
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
6
4
3
GARANTI ODEME VE ELEKTRONIK PARA HIZMETLERI
ANONIM SIRKETI
TURQUIA
ENTIDADES DE PAGO
\u2014
100,00
100,00
5
6
(2)
GARANTI YATIRIM ORTAKLIGI AS (3) (4)
TURQUIA
CARTERA
\u2014
3,61
3,61
\u2014
2
1
GARANTI BANK BBVA INTERNATIONAL N.V.
PAISES BAJOS
BANCA
\u2014
100,00
100,00
724
603
41
GESCAT GESTIO DE SOL, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
8
6
2
GESCAT LLEVANT, S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
1
1
\u2014
GESCAT LLOGUERS, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
3
3
\u2014
GESCAT VIVENDES EN COMERCIALITZACIO, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
36
38
(2)
GESTION DE PREVISION Y PENSIONES, S.A.
ESPA\u00d1A
GESTORAS DE FONDOS
DE PENSIONES
60,00
\u2014
60,00
9
15
6
GESTION Y ADMINISTRACION DE RECIBOS, S.A. -
GARSA
ESPA\u00d1A
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
GRAN JORGE JUAN, S.A.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
424
432
15
GRUPO FINANCIERO BBVA MEXICO, S.A. DE CV
MEXICO
SERVICIOS
FINANCIEROS
99,98
\u2014
99,98
8.480
12.275
4.004
INMUEBLES Y RECUPERACIONES CONTINENTAL, S.A.
PERU
INMOBILIARIA
\u2014
100,00
100,00
15
13
2
INVERAHORRO, S.L.
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
118
122
(4)
INVERSIONES ALDAMA, C.A.
VENEZUELA
EN LIQUIDACION
\u2014
100,00
100,00
\u2014
\u2014
\u2014
INVERSIONES BANPRO INTERNATIONAL INC NV (3)
CURACAO
CARTERA
48,00
\u2014
48,00
16
44
2
(1) Conforme al Art\u00edculo 3 del Real Decreto 1159/ 2010, de 17 de septiembre, en la determinaci\u00f3n de la participaci\u00f3n, se han a\u00f1adido a los que directamente posea la sociedad
dominante, los que corresponden a las sociedades dominadas. Por lo que, el n\u00famero de votos correspondiente a la sociedad dominante (incluyendo las sociedades
dependientes de manera indirecta), corresponde al de la sociedad dependiente que participe directamente en el capital social.
(2) Importe sin considerar dividendos a cuenta que se han efectuado en el ejercicio seg\u00fan los estados financieros provisionales de cada sociedad, generalmente a 31 de
diciembre de 2022. Al importe en libros (neto de deterioro y cobertura de negocios en el extranjero), se le ha aplicado el porcentaje de propiedad del Grupo, sin considerar los
deterioros de los fondos de comercio. Datos de sociedades extranjeras al tipo de cambio del 31 de diciembre de 2022. Los datos de las sociedades domiciliadas en Turqu\u00eda y
Argentina son antes de la aplicaci\u00f3n de contabilidad por hiperinflaci\u00f3n.
(3) Sociedad consolidada por integraci\u00f3n global de acuerdo a normas contables (ver Glosario).
(4) El porcentaje de derechos de voto pose\u00eddos por las entidades del grupo en esta sociedad es 99,97%.
Informaci\u00f3n adicional sobre sociedades dependientes que componen el Grupo BBVA y
entidades estructuradas a 31 de diciembre de 2022 (continuaci\u00f3n)
% de participaci\u00f3n en el capital
social (1)
Millones de euros (2)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en
libros
Patrimonio neto
excluido
resultados\u00a0
31.12.2022
Resultado\u00a0
31.12.2022
INVERSIONES BAPROBA CA
VENEZUELA
SERVICIOS
FINANCIEROS
100,00
\u2014
100,00
\u2014
\u2014
\u2014
INVERSIONES P.H.R.4, C.A.
VENEZUELA
SIN ACTIVIDAD
\u2014
60,46
60,46
\u2014
\u2014
\u2014
MADIVA SOLUCIONES, S.L.
ESPA\u00d1A
SERVICIOS
\u2014
100,00
100,00
4
3
\u2014
MISAPRE, S.A. DE C.V.
MEXICO
EN LIQUIDACION
\u2014
100,00
100,00
\u2014
\u2014
\u2014
MOMENTUM SOCIAL INVESTMENT HOLDING, S.L.
ESPA\u00d1A
CARTERA
\u2014
100,00
100,00
7
8
\u2014
MOTORACTIVE IFN, S.A.
RUMANIA
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
35
32
3
MOTORACTIVE MULTISERVICES SRL
RUMANIA
SERVICIOS
\u2014
100,00
100,00
\u2014
3
1
MOVISTAR CONSUMER FINANCE COLOMBIA SAS
COLOMBIA
SERVICIOS
FINANCIEROS
\u2014
50,00
50,00
7
11
(7)
MULTIASISTENCIA OPERADORA, S.A. DE C.V.
MEXICO
SEGUROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
MULTIASISTENCIA SERVICIOS, S.A. DE C.V.
MEXICO
SEGUROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
MULTIASISTENCIA, S.A. DE C.V.
MEXICO
SEGUROS
\u2014
100,00
100,00
73
52
21
OPCION VOLCAN, S.A.
MEXICO
INMOBILIARIA
\u2014
100,00
100,00
3
3
\u2014
OPENPAY ARGENTINA, S.A.
ARGENTINA
ENTIDADES DE
PAGO
\u2014
100,00
100,00
5
6
2
OPENPAY COLOMBIA SAS
COLOMBIA
ENTIDADES DE
PAGO
\u2014
100,00
100,00
4
3
(2)
OPENPAY PER\u00da, S.A.
PERU
ENTIDADES DE
PAGO
\u2014
100,00
100,00
6
5
(3)
OPENPAY, S.A. DE C.V.
MEXICO
ENTIDADES DE
PAGO
\u2014
100,00
100,00
30
18
(9)
OPENPAY SERVICIOS, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
OPERADORA DOS LAGOS, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
OPPLUS OPERACIONES Y SERVICIOS, S.A.
ESPA\u00d1A
SERVICIOS
100,00
\u2014
100,00
1
23
10
PECRI INVERSION, S.L.
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
112
109
2
PORTICO PROCAM, S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
26
26
\u2014
PROMOTORA DEL VALLES, S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
15
19
1
PROMOU CT OPENSEGRE, S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
5
5
\u2014
PRONORTE UNO PROCAM, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
1
1
\u2014
PROPEL EXPLORER FUND I LP
ESTADOS
UNIDOS
CARTERA
\u2014
99,50
99,50
20
22
\u2014
PROPEL EXPLORER FUND II LP
ESTADOS
UNIDOS
CARTERA
\u2014
99,50
99,50
\u2014
\u2014
\u2014
PROPEL VENTURE PARTNERS BRAZIL US LP
ESTADOS
UNIDOS
CARTERA
\u2014
99,80
99,80
20
22
\u2014
PROPEL VENTURE PARTNERS GLOBAL US, LP
ESTADOS
UNIDOS
CARTERA
\u2014
99,50
99,50
121
230
(54)
PROPEL VENTURE PARTNERS US FUND I, L.P.
ESTADOS
UNIDOS
SOCIEDAD
CAPITAL RIESGO
99,50
\u2014
99,50
207
276
(2)
PROPEL XYZ I LP
ESTADOS
UNIDOS
CARTERA
\u2014
99,40
99,40
7
8
(2)
PRO-SALUD, C.A.
VENEZUELA
SIN ACTIVIDAD
\u2014
58,86
58,86
\u2014
\u2014
\u2014
PROVINCIAL DE VALORES CASA DE BOLSA CA
VENEZUELA
SOCIEDAD DE
VALORES
(INVERSI\u00d3N
MOBILIARIA)
\u2014
90,00
90,00
1
1
\u2014
PROVINCIAL SDAD.ADMIN.DE ENTIDADES DE
INV.COLECTIVA CA
VENEZUELA
GESTORAS DE
FONDOS DE
INVERSI\u00d3N
\u2014
100,00
100,00
1
1
\u2014
PROVIVIENDA ENTIDAD RECAUDADORA Y ADMIN.DE
APORTES, S.A.
BOLIVIA
GESTORAS DE
FONDOS DE
PENSIONES
\u2014
100,00
100,00
2
2
\u2014
PSA FINANCE ARGENTINA COMPA\u00d1IA FINANCIERA, S.A.
ARGENTINA
BANCA
\u2014
50,00
50,00
11
13
9
RALFI IFN, S.A.
RUMANIA
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
37
21
(3)
RPV COMPANY
ISLAS CAIMAN
OTRAS
SOCIEDADES
EMISORAS
\u2014
100,00
100,00
\u2014
(1)
\u2014
(1) Conforme al Art\u00edculo 3 del Real Decreto 1159/ 2010, de 17 de septiembre, en la determinaci\u00f3n de la participaci\u00f3n, se han a\u00f1adido a los que directamente posea la sociedad
dominante, los que corresponden a las sociedades dominadas. Por lo que, el n\u00famero de votos correspondiente a la sociedad dominante (incluyendo las sociedades
dependientes de manera indirecta), corresponde al de la sociedad dependiente que participe directamente en el capital social.
(2) Importe sin considerar dividendos a cuenta que se han efectuado en el ejercicio seg\u00fan los estados financieros provisionales de cada sociedad, generalmente a 31 de
diciembre de 2022. Al importe en libros (neto de deterioro y cobertura de negocios en el extranjero), se le ha aplicado el porcentaje de propiedad del Grupo, sin considerar los
deterioros de los fondos de comercio. Datos de sociedades extranjeras al tipo de cambio del 31 de diciembre de 2022. Los datos de las sociedades domiciliadas en Turqu\u00eda y
Argentina son antes de la aplicaci\u00f3n de contabilidad por hiperinflaci\u00f3n.
Informaci\u00f3n adicional sobre sociedades dependientes que componen el Grupo BBVA y
entidades estructuradas a 31 de diciembre de 2022 (continuaci\u00f3n)
% de participaci\u00f3n en el capital
social (1)
Millones de euros (2)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en
libros
Patrimonio neto
excluido
resultados\u00a0
31.12.2022
Resultado\u00a0
31.12.2022
SATICEM GESTIO, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
2
2
\u2014
SATICEM HOLDING, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
5
5
\u2014
SATICEM IMMOBLES EN ARRENDAMENT, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
2
2
\u2014
SEGUROS PROVINCIAL CA
VENEZUELA
SEGUROS
\u2014
100,00
100,00
10
14
(4)
SERVICIOS CORPORATIVOS DE SEGUROS, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
SERVICIOS EXTERNOS DE APOYO EMPRESARIAL, S.A DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
8
8
\u2014
SOCIEDAD DE ESTUDIOS Y ANALISIS FINANCIERO, S.A.
ESPA\u00d1A
SERVICIOS
100,00
\u2014
100,00
67
65
2
SOCIEDAD PERUANA DE FINANCIAMIENTO SAC
PERU
SERVICIOS
FINANCIEROS
\u2014
50,00
50,00
1
3
\u2014
SPORT CLUB 18, S.A.
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
11
11
\u2014
TREE INVERSIONES INMOBILIARIAS, S.A.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
1.988
754
23
TRIFOI REAL ESTATE SRL
RUMANIA
INMOBILIARIA
\u2014
100,00
100,00
1
1
\u2014
UNNIM SOCIEDAD PARA LA GESTION DE ACTIVOS
INMOBILIARIOS, S.A.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
531
417
20
URBANIZADORA SANT LLORENC, S.A.
ESPA\u00d1A
SIN ACTIVIDAD
60,60
\u2014
60,60
\u2014
\u2014
\u2014
VERIDAS DIGITAL AUTHENTICATION SOLUTIONS MEXICO
SACV
MEXICO
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
VERIDAS DIGITAL AUTHENTICATION SOLUTIONS, S.L.
ESPA\u00d1A
SERVICIOS
\u2014
51,00
51,00
1
4
(1)
VERIDAS DIGITAL AUTHENTICATION SOLUTIONS USA LLC
ESTADOS
UNIDOS
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
VOLKSWAGEN FINANCIAL SERVICES COMPA\u00d1IA FINANCIERA,
S.A.
ARGENTINA
BANCA
\u2014
51,00
51,00
18
22
14
(1) Conforme al Art\u00edculo 3 del Real Decreto 1159/ 2010, de 17 de septiembre, en la determinaci\u00f3n de la participaci\u00f3n, se han a\u00f1adido a los que directamente posea la sociedad
dominante, los que corresponden a las sociedades dominadas. Por lo que, el n\u00famero de votos correspondiente a la sociedad dominante (incluyendo las sociedades
dependientes de manera indirecta), corresponde al de la sociedad dependiente que participe directamente en el capital social.
(2) Importe sin considerar dividendos a cuenta que se han efectuado en el ejercicio seg\u00fan los estados financieros provisionales de cada sociedad, generalmente a 31 de
diciembre de 2022. Al importe en libros (neto de deterioro y cobertura de negocios en el extranjero), se le ha aplicado el porcentaje de propiedad del Grupo, sin considerar los
deterioros de los fondos de comercio. Datos de sociedades extranjeras al tipo de cambio del 31 de diciembre de 2022. Los datos de las sociedades domiciliadas en Turqu\u00eda y
Argentina son antes de la aplicaci\u00f3n de contabilidad por hiperinflaci\u00f3n.
Este Anexo forma parte integrante de la Nota 3 de las Cuentas Anuales consolidadas correspondientes al ejercicio 2022.
ANEXO II. Informaci\u00f3n adicional sobre participaciones en empresas asociadas y en
negocios conjuntos del Grupo BBVA a 31 de diciembre de 2022
Se incluyen las sociedades m\u00e1s significativas que representan, en conjunto, un 99,5 % del total de inversi\u00f3n en este colectivo.
% Porcentaje jur\u00eddico de
participaci\u00f3n
Millones de euros (1)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en
libros
Activos
31.12.2022
Pasivos
31.12.2022
Patrimonio
neto
excluido
resultados
31.12.2022
Resultados\u00a0
31.12.2022
EMPRESAS ASOCIADAS
ADQUIRA ESPA\u00d1A, S.A.
ESPA\u00d1A
SERVICIOS
\u2014
44,44
44,44
4
20
11
9
1
ATOM HOLDCO LIMITED
REINO
UNIDO
CARTERA
42,77
\u2014
42,77
132
7.063
6.755
314
(7)
AUREA, S.A. (CUBA)
CUBA
INMOBILIARIA
\u2014
49,00
49,00
5
10
1
10
\u2014
BBVA ALLIANZ SEGUROS Y REASEGUROS, S.A.
ESPA\u00d1A
SEGUROS
\u2014
50,00
50,00
248
836
298
535
4
COMPA\u00d1IA ESPA\u00d1OLA DE FINANCIACION DEL
DESARROLLO, S.A.
ESPA\u00d1A
SOCIEDADES E
INSTITUCIONES P\u00daBLICAS
16,67
\u2014
16,67
31
191
7
168
16
COMPA\u00d1IA PERUANA DE MEDIOS DE PAGO SAC
(VISANET PERU)
PERU
ENTIDADES DE DINERO
ELECTR\u00d3NICO
\u2014
21,50
21,50
2
126
118
4
5
METROVACESA, S.A.
ESPA\u00d1A
INMOBILIARIA
9,44
11,41
20,85
259
2.541
695
1.830
16
PLAY DIGITAL, S.A.
ARGENTINA
ENTIDADES DE PAGO
\u2014
10,80
10,80
2
19
3
27
(10)
REDSYS SERVICIOS DE PROCESAMIENTO, S.L.
ESPA\u00d1A
SERVICIOS FINANCIEROS
24,90
\u2014
24,90
20
121
42
75
4
ROMBO COMPA\u00d1IA FINANCIERA, S.A.
ARGENTINA
BANCA
\u2014
40,00
40,00
4
122
112
10
\u2014
SBD CREIXENT, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
23,05
23,05
1
5
1
5
\u2014
SEGURIDAD Y PROTECCION BANCARIAS, S.A. DE CV
MEXICO
SERVICIOS
\u2014
26,14
26,14
1
4
\u2014
3
1
SERVICIOS ELECTRONICOS GLOBALES, S.A. DE CV
MEXICO
SERVICIOS
\u2014
46,14
46,14
23
50
\u2014
38
13
SERVIRED SOCIEDAD ESPA\u00d1OLA DE MEDIOS DE
PAGO, S.A.
ESPA\u00d1A
SERVICIOS FINANCIEROS
28,72
\u2014
28,72
8
82
54
26
2
SISTEMAS DE TARJETAS Y MEDIOS DE PAGO, S.A.
ESPA\u00d1A
ENTIDADES DE PAGO
20,61
\u2014
20,61
2
377
369
5
3
SOLARIS SE (2)
ALEMANIA
BANCA
\u2014
15,51
15,51
66
3.317
3.086
268
(36)
TELEFONICA FACTORING ESPA\u00d1A, S.A. (3)
ESPA\u00d1A
SERVICIOS FINANCIEROS
30,00
\u2014
30,00
4
73
57
7
9
TF PERU SAC
PERU
SERVICIOS FINANCIEROS
\u2014
24,30
24,30
1
6
1
4
1
NEGOCIOS CONJUNTOS
ALTURA MARKETS SOCIEDAD DE VALORES, S.A.
ESPA\u00d1A
SOCIEDAD DE VALORES
(INVERSI\u00d3N MOBILIARIA)
50,00
\u2014
50,00
42
3.391
3.307
73
12
COMPA\u00d1IA MEXICANA DE PROCESAMIENTO, S.A.
DE CV
MEXICO
SERVICIOS
\u2014
50,00
50,00
10
20
\u2014
19
1
CORPORACION IBV PARTICIPACIONES
EMPRESARIALES, S.A.(4)
ESPA\u00d1A
CARTERA
\u2014
50,00
50,00
29
62
4
58
\u2014
FIDEICOMISO 1729 INVEX ENAJENACION DE
CARTERA (4)
MEXICO
INMOBILIARIA
\u2014
44,09
44,09
9
185
\u2014
185
\u2014
FIDEICOMISO F/402770-2 ALAMAR
MEXICO
INMOBILIARIA
\u2014
42,40
42,40
7
17
\u2014
17
\u2014
INVERSIONES PLATCO CA
VENEZUELA
SERVICIOS FINANCIEROS
\u2014
50,00
50,00
3
7
1
7
(1)
PROMOCIONS TERRES CAVADES, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
39,11
39,11
1
3
\u2014
3
\u2014
RCI COLOMBIA, S.A. COMPA\u00d1IA DE
FINANCIAMIENTO
COLOMBIA
SERVICIOS FINANCIEROS
\u2014
49,00
49,00
36
755
682
57
16
(1) En las sociedades extranjeras se aplica el tipo de cambio de 31 de diciembre de 2022.
(2) El porcentaje de derechos de voto pose\u00eddos por las entidades del Grupo en esta sociedad es 22,22%.
(3) Datos CCAA a 31 de diciembre 2021
(4) Clasificada como Activo no corriente en venta.
Este Anexo forma parte integrante de las Notas 3 y 16.1 de las Cuentas Anuales consolidadas correspondientes al ejercicio 2022.
ANEXO III. Variaciones y notificaciones de participaciones en el Grupo BBVA en el
ejercicio 2022
Adquisiciones o aumento de participaci\u00f3n en sociedades dependientes y entidades estructuradas
Sociedad participada (1)
Tipo de transacci\u00f3n
Porcentaje de participaci\u00f3n
en el capital social, tras la
transacci\u00f3n
Fecha efectiva de la
transacci\u00f3n (o en su caso
fecha de notificaci\u00f3n)
PROPEL VENTURE PARTNERS GLOBAL US, LP
CONSTITUCI\u00d3N
99,50
31-mar.-22
PROPEL VENTURE PARTNERS BRAZIL US LP
CONSTITUCI\u00d3N
99,80
31-mar.-22
PROPEL XYZ I LP
CONSTITUCI\u00d3N
99,40
09-jun.-22
TREE INVERSIONES INMOBILIARIAS, S.A.
COMPRA
100,00
15-jun.-22
PROPEL EXPLORER FUND I LP
CONSTITUCI\u00d3N
\u2014
15-jun.-22
PROPEL EXPLORER FUND II LP
CONSTITUCI\u00d3N
\u2014
15-jun.-22
BBVA DISCOVERY INC
CONSTITUCI\u00d3N
100,00
20-sept.-22
SOCIEDAD PERUANA DE FINANCIAMIENTO SAC
CONSTITUCI\u00d3N
50,00
13-oct.-22
VERIDAS DIGITAL AUTHENTICATION SOLUTIONS
MEXICO SACV
CONSTITUCI\u00d3N
100,00
14-feb.-22
VERIDAS DIGITAL AUTHENTICATION SOLUTIONS
USA LLC
CONSTITUCI\u00d3N
100,00
30-jul.-22
GARANTI ODEME VE ELEKTRONIK PARA
HIZMETLERI ANONIM SIRKETI
CONSTITUCI\u00d3N
100,00
30-abr.-22
GARANTI BBVA AS
COMPRA-OPA
85,97
18-may.-22
(1) No se han tenido en cuenta las variaciones inferiores a 0.1% por inmaterialidad.
Variaciones y notificaciones de participaciones en el Grupo BBVA en el ejercicio 2022
(Continuaci\u00f3n)
Adquisiciones o aumento de participaci\u00f3n en entidades asociadas y negocios conjuntos por el
m\u00e9todo de la participaci\u00f3n
Sociedad participada (1)
Tipo de transacci\u00f3n
Porcentaje de
participaci\u00f3n en el capital
social, tras la transacci\u00f3n.
Fecha efectiva de la
transacci\u00f3n (o en su caso
fecha de notificaci\u00f3n)
NUEVO MARKETPLACE, S.L.
AMPLIACI\u00d3N
28,16
30-sept.-22
ATOM HOLDCO LIMITED
CONSTITUCI\u00d3N
42,77
30-nov.-22
SOLARIS SE (2)
AMPLIACI\u00d3N
15,51
04-nov.-22
(1) No se han tenido en cuenta las variaciones inferiores a 0.1% por inmaterialidad
(2) El porcentaje de derechos de voto pose\u00eddos por las entidades del grupo en esta sociedad es 22,22%.
Ventas o disminuci\u00f3n de participaci\u00f3n en entidades asociadas y negocios conjuntos por el m\u00e9todo
de la participaci\u00f3n
Sociedad participada (1)
Tipo de transacci\u00f3n
Porcentaje de
participaci\u00f3n en el capital
social, tras la transacci\u00f3n.
Fecha efectiva de la
transacci\u00f3n (o en su caso
fecha de notificaci\u00f3n)
IRB RIESGO OPERACIONAL SL
REDUCCI\u00d3N DE CAPITAL
\u2014
11-ene.-22
DESARROLLOS METROPOLITANOS DEL SUR, S.L.
VENTA
\u2014
16-jun.-22
ATOM BANK PLC
TRASPASO
PARTICIPACI\u00d3N
\u2014
01-nov.-22
PRIVACYCLOUD S.L.
VENTA
\u2014
15-dic.-22
(1) No se han tenido en cuenta las variaciones inferiores a 0.1% por inmaterialidad.
Este Anexo forma parte integrante de las Notas 3 y 16.1 de las Cuentas Anuales consolidadas correspondientes al ejercicio 2022.
ANEXO IV. Sociedades consolidadas por integraci\u00f3n global con accionistas ajenos al
Grupo con una participaci\u00f3n superior al 10% a 31 de diciembre de 2022
% Derechos de voto controlados por el Banco
Sociedad
Actividad
Directo
Indirecto
Total
BANCO BBVA PER\u00da SA
BANCA
\u2014
46,12
46,12
BANCO PROVINCIAL SA - BANCO UNIVERSAL
BANCA
1,46
53,75
55,21
INVERSIONES BANPRO INTERNATIONAL INC NV
CARTERA
48,00
\u2014
48,01
PRO-SALUD, C.A.
SIN ACTIVIDAD
\u2014
58,86
58,86
INVERSIONES P.H.R.4, C.A.
SIN ACTIVIDAD
\u2014
60,46
60,46
BBVA PREVISION AFP SA ADM.DE FONDOS DE
PENSIONES
GESTORAS DE FONDOS DE
PENSIONES
75,00
5,00
80,00
COMERCIALIZADORA CORPORATIVA SAC
SERVICIOS FINANCIEROS
\u2014
50,00
50,00
CREA MADRID NUEVO NORTE SA
INMOBILIARIA
\u2014
75,54
75,54
GESTION DE PREVISION Y PENSIONES SA
GESTORAS DE FONDOS DE
PENSIONES
60,00
\u2014
60,00
SOCIEDAD PERUANA DE FINANCIAMIENTO SAC
SERVICIOS FINANCIEROS
\u2014
50,00
50,00
F/253863 EL DESEO RESIDENCIAL
INMOBILIARIA
\u2014
65,00
65,00
DATA ARCHITECTURE AND TECHNOLOGY S.L.
SERVICIOS
\u2014
51,00
51,00
VOLKSWAGEN FINANCIAL SERVICES COMPA\u00d1IA
FINANCIERA SA
BANCA
\u2014
51,00
51,00
FIDEICOMISO LOTE 6.1 ZARAGOZA
INMOBILIARIA
\u2014
59,99
59,99
F/11395 FIDEICOMISO IRREVOCABLE DE
ADMINISTRACION CON DERECHO DE REVERSION
INMOBILIARIA
\u2014
42,40
42,40
VERIDAS DIGITAL AUTHENTICATION SOLUTIONS S.L.
SERVICIOS
\u2014
51,00
51,00
MOVISTAR CONSUMER FINANCE COLOMBIA SAS
SERVICIOS FINANCIEROS
\u2014
50,00
50,00
GARANTI BBVA EMEKLILIK AS
SEGUROS
\u2014
84,91
84,91
FOMENTO Y DESARROLLO DE CONJUNTOS
RESIDENCIALES S.L. EN LIQUIDACION
EN LIQUIDACION
\u2014
60,00
60,00
BBVA INFORMATION TECHNOLOGY ESPA\u00d1A SL
SERVICIOS
76,00
\u2014
76,00
PSA FINANCE ARGENTINA COMPA\u00d1IA FINANCIERA SA
BANCA
\u2014
50,00
50,00
Este Anexo forma parte integrante de la Nota 3 de las Cuentas Anuales consolidadas correspondientes al ejercicio 2022.
ANEXO V. Fondos de titulizaci\u00f3n del Grupo BBVA. Entidades estructuradas a 31 de
diciembre de 2022
Millones de euros
Fondos de titulizaci\u00f3n
(consolidados)
Entidad
Fecha de
originaci\u00f3n
Total exposiciones
titulizadas a la
fecha de
originaci\u00f3n
Total exposiciones
titulizadas al
31.12.2022
TDA 22 Mixto, FTA (Unnim)
BANCO BILBAO VIZCAYA ARGENTARIA SA
09-dic.-04
592
13
AYT HIP MIXTO V
BANCO BILBAO VIZCAYA ARGENTARIA SA
21-jul.-06
120
16
TDA 27 Mixto, FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
22-dic.-06
275
58
TDA 28 Mixto, FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
23-jul.-07
250
59
HIPOCAT 8 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
06-may.-05
1.500
143
HIPOCAT 9 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
25-nov.-05
1.016
112
HIPOCAT 10 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
05-jul.-06
1.526
166
HIPOCAT 11 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
09-mar.-07
1.628
181
TDA 19 MIXTO, FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
27-feb.-04
600
12
TDA TARRAGONA 1 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
30-nov.-07
397
59
GAT VPO (UNNIM)
BANCO BILBAO VIZCAYA ARGENTARIA SA
25-jun.-09
780
25
BBVA CONSUMO 10 FT
BANCO BILBAO VIZCAYA ARGENTARIA SA
08-jul.-19
2.000
908
BBVA CONSUMO 11 FT
BANCO BILBAO VIZCAYA ARGENTARIA SA
12-mar.-21
2.500
1.285
BBVA CONSUMO 9 FT
BANCO BILBAO VIZCAYA ARGENTARIA SA
27-mar.-17
1.375
204
BBVA CONSUMER AUTO 2018-1
BANCO BILBAO VIZCAYA ARGENTARIA SA
18-jun.-18
800
206
BBVA CONSUMER AUTO 2020-1
BANCO BILBAO VIZCAYA ARGENTARIA SA
15-jun.-20
1.100
780
BBVA RMBS 1 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
19-feb.-07
2.500
616
BBVA RMBS 2 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
26-mar.-07
5.000
1.152
BBVA RMBS 3 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
22-jul.-07
3.000
1.037
BBVA RMBS 5 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
24-may.-08
5.000
1.727
BBVA RMBS 9 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
18-abr.-10
1.295
603
BBVA RMBS 14 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
24-nov.-14
700
316
BBVA CONSUMER AUTO 2022-1
BANCO BILBAO VIZCAYA ARGENTARIA SA
13-jun.-22
1.200
1.036
BBVA RMBS 22
BANCO BILBAO VIZCAYA ARGENTARIA SA
28-nov.-22
1.400
1.380
BBVA RMBS 17 FT
BANCO BILBAO VIZCAYA ARGENTARIA SA
21-nov.-16
1.800
1.044
BBVA RMBS 21
BANCO BILBAO VIZCAYA ARGENTARIA SA
17-mar.-22
12.400
11.296
BBVA RMBS 19 FT
BANCO BILBAO VIZCAYA ARGENTARIA SA
25-nov.-19
2.000
1.475
BBVA RMBS 20 FT
BANCO BILBAO VIZCAYA ARGENTARIA SA
14-jun.-21
2.500
2.143
BBVA LEASING 1 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
24-jun.-07
2.500
89
BBVA LEASING 2 FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
27-jul.-20
2.100
711
BBVA-6 FTPYME FTA
BANCO BILBAO VIZCAYA ARGENTARIA SA
10-jun.-07
1.500
25
ANEXO VI. Detalle de las emisiones vivas a 31 de diciembre de 2022, 2021 y 2020 de
pasivos subordinados y participaciones preferentes emitidos por el Banco o por
sociedades consolidables del Grupo BBVA
Emisiones vivas a 31 de diciembre de 2022, 2021 y 2020 de financiaciones subordinadas
Millones de euros
Sociedad emisora y fecha de emisi\u00f3n
Moneda
Diciembre
2022
Diciembre
2021
Diciembre
2020
Tipo de inter\u00e9s
vigente
a 31 de diciembre
de 2022
Fecha de
vencimiento
Emisiones en euros
BANCO BILBAO VIZCAYA ARGENTARIA S.A.
marzo-08
EUR
125
125
125
6,03 %
3-mar.-33
julio-08
EUR
100
100
100
6,20 %
4-jul.-23
abril-16
EUR
\u2014
\u2014
1.000
\u2014 %
Perpetuo
febrero-17
EUR
1.000
1.000
1.000
3,50 %
10-feb.-27
febrero-17
EUR
99
99
99
4,00 %
24-feb.-32
marzo-17
EUR
65
65
65
4,00 %
24-feb.-32
mayo-17
EUR
150
150
150
2,54 %
24-may.-27
mayo-17
EUR
\u2014
500
500
\u2014 %
Perpetuo
septiembre-18
EUR
1.000
1.000
1.000
5,88 %
Perpetuo
febrero-19
EUR
750
750
750
2,58 %
22-feb.-29
marzo-19
EUR
1.000
1.000
1.000
6,00 %
Perpetuo
enero-20
EUR
994
994
994
1,00 %
16-ene.-30
julio-20
EUR
1.000
1.000
1.000
6,00 %
Perpetuo
Total emisiones en euros
EUR
6.460
7.028
8.113
Emisiones vivas a 31 de diciembre de 2022, 2021 y 2020 de financiaciones subordinadas
Millones de euros
Sociedad emisora y fecha de emisi\u00f3n
Moneda
Diciembre
2022
Diciembre
2021
Diciembre
2020
Tipo de inter\u00e9s
vigente
a 31 de
diciembre de
2022
Fecha de
vencimiento
Emisiones en moneda extranjera
BANCO BILBAO VIZCAYA ARGENTARIA S.A.
marzo-17
USD
113
106
98
5,70 %
31-mar.-32
noviembre-17
USD
938
883
815
6,13 %
Perpetuo
mayo-18
USD
279
263
243
5,25 %
29-may.-33
septiembre-19
USD
938
883
815
6,50 %
Perpetuo
Subtotal
USD
2.267
2.135
1.970
mayo-17
CHF
20
19
19
1,60 %
24-may.-27
Subtotal
CHF
20
19
19
julio-20
GBP
338
357
334
3,10 %
15-jul.-31
Subtotal
GBP
338
357
334
BBVA GLOBAL FINANCE LTD (1)
diciembre-95
USD
187
176
162
7,00 %
1-dic.-25
Subtotal
USD
187
176
162
BBVA BANCOMER S.A. INSTITUCION DE
BANCA MULTIPLE GRUPO FINANCIERO
BBVA BANCOMER
abril-10
USD
\u2014
\u2014
\u2014
7,25 %
22-abr.-20
marzo-11
USD
\u2014
\u2014
612
6,50 %
10-mar.-21
julio-12
USD
\u2014
1.329
1.223
6,75 %
30-sept.-22
noviembre-14
USD
187
177
163
5,35 %
12-nov.-29
enero-18
USD
935
886
815
5,13 %
18-ene.-33
septiembre-19
USD
702
665
612
5,88 %
13-sept.-34
Subtotal
USD
1.824
3.057
3.425
BANCO BILBAO VIZCAYA ARGENTARIA
URUGUAY S.A.
noviembre-17
USD
1
\u2014
\u2014
9,54 %
6-feb.-64
Subtotal
\u2014
1
\u2014
\u2014
BBVA PARAGUAY S.A. (2)
noviembre-14
USD
\u2014
\u2014
16
6,75 %
5-nov.-21
noviembre-15
USD
\u2014
\u2014
20
6,70 %
18-nov.-22
Subtotal
USD
\u2014
\u2014
37
BBVA USA (2)
marzo-06
USD
\u2014
\u2014
58
5,90 %
1-abr.-26
abril-15
USD
\u2014
\u2014
570
3,88 %
10-abr.-25
Subtotal
USD
\u2014
\u2014
628
(1) Las emisiones de BBVA Global Finance, Ltd. est\u00e1n avaladas, con car\u00e1cter subordinado, por el Banco.
(2) Sociedades vendidas en 2022 (ver Nota 3).
Emisiones vivas a 31 de diciembre de 2022, 2021 y 2020 de financiaciones subordinadas
Millones de euros
Sociedad emisora y fecha de emisi\u00f3n
Moneda
Diciembre
2022
Diciembre
2021
Diciembre
2020
Tipo de
inter\u00e9s
vigente
a 31 de
diciembre de
2022
Fecha de
vencimiento
BBVA COLOMBIA S.A.
septiembre-11
COP
\u2014
\u2014
25
4,45 %
19-sept.-21
septiembre-11
COP
30
35
37
17,82 %
19-sept.-26
febrero-13
COP
39
44
47
16,58 %
19-feb.-23
febrero-13
COP
32
37
39
16,91 %
19-feb.-28
noviembre-14
COP
18
20
21
17,46 %
26-nov.-29
noviembre-14
COP
20
32
30
17,59 %
26-nov.-34
Subtotal
COP
139
168
200
abril-15
USD
375
349
324
4,93 %
21-abr.-25
Subtotal
USD
375
349
324
BBVA BANCO CONTINENTAL S.A.
junio-07
PEN
23
19
18
3,47 %
18-jun.-32
noviembre-07
PEN
21
17
16
3,56 %
19-nov.-32
julio-08
PEN
18
15
15
3,06 %
8-jul.-23
septiembre-08
PEN
20
16
16
3,09 %
9-sept.-23
diciembre-08
PEN
12
10
9
4,19 %
15-dic.-33
Subtotal
PEN
93
77
74
mayo-07
USD
\u2014
18
16
6,00 %
14-may.-27
febrero-08
USD
19
18
17
6,47 %
28-feb.-28
octubre-13
USD
43
40
37
6,53 %
2-oct.-28
septiembre-14
USD
270
272
257
5,25 %
22-sept.-29
Subtotal
USD
332
349
327
GARANTI BBVA AS
mayo-17
USD
698
645
607
7,18 %
24-may.-27
Subtotal
USD
698
645
607
octubre-19
TRY
13
17
28
10,66 %
7-oct.-29
febrero-20
TRY
38
49
82
12,33 %
14-feb.-30
Subtotal
TRY
50
66
110
Total Emisiones en otras divisas
6.326
7.398
8.217
Emisiones vivas a 31 de diciembre de 2022, 2021 y 2020 de participaciones preferentes (Millones
de euros)
Diciembre 2022
Diciembre 2021
Diciembre 2020
Sociedad emisora y fecha de emisi\u00f3n
Moneda
Importe
emitido\u00a0
Moneda
Importe
emitido
Moneda
Importe
emitido
BBVA COLOMBIA S.A.
diciembre-93
COP
\u2014
COP
\u2014
COP
\u2014
BBVA International Preferred, S.A.U.
julio-07
GBP
\u2014
GBP
\u2014
GBP
35
PHOENIX LOAN HOLDINGS INC
noviembre-00
USD
\u2014
USD
\u2014
USD
17
CAIXA TERRASSA SOCIETAT DE
PARTICIPACIONS PREFERENTS SAU
agosto-05
EUR
\u2014
EUR
\u2014
EUR
74
CAIXASABADELL PREFERENTS S.A.
julio-06
EUR
\u2014
EUR
\u2014
EUR
85
ANEXO VII. Balances consolidados a 31 de diciembre de 2022, 2021 y 2020 de saldos
mantenidos en moneda extranjera
Balance en moneda extranjera (Millones de euros)
D\u00f3lares
estadounidenses
Pesos
mexicanos
Liras
Turcas
Otras
monedas
Total moneda
extranjera
Diciembre 2022
Activo
Efectivo, saldos en efectivo en bancos centrales y otros
dep\u00f3sitos a la vista
19.888
4.831
476
3.469
28.665
Activos financieros mantenidos para negociar
10.780
22.407
431
3.930
37.549
Activos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en
resultados
987
5.205
5
82
6.280
Activos financieros a valor razonable con cambios en otro
resultado global
8.300
9.809
3.188
8.666
29.964
Activos financieros a coste amortizado
52.248
78.017
29.938
42.479
202.682
Inversiones en negocios conjuntos y asociadas
5
17
\u2014
333
354
Activos tangibles
14
2.143
1.166
1.137
4.459
Otros activos
(365)
4.403
1.796
3.055
8.889
Total
91.858
126.832
37.001
63.151
318.842
Pasivo
Pasivos financieros mantenidos para negociar
9.722
18.110
234
1.499
29.564
Pasivos financieros a coste amortizado
77.697
75.020
24.567
48.994
226.278
Otros pasivos
2.748
17.210
1.220
2.160
23.338
Total
90.167
110.340
26.021
52.652
279.180
Diciembre 2021
Activo
Efectivo, saldos en efectivo en bancos centrales y otros
dep\u00f3sitos a la vista
19.164
5.816
893
4.245
30.118
Activos financieros mantenidos para negociar
10.699
18.973
1.104
8.840
39.615
Activos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en
resultados
1.039
4.114
2
83
5.239
Activos financieros a valor razonable con cambios en otro
resultado global
6.455
9.323
2.325
8.697
26.800
Activos financieros a coste amortizado
46.223
57.580
21.655
38.657
164.115
Inversiones en negocios conjuntos y asociadas
5
15
\u2014
263
283
Activos tangibles
12
1.902
558
935
3.408
Otros activos
(204)
3.607
1.046
1.248
5.697
Total
83.393
101.331
27.583
62.969
275.276
Pasivo
Pasivos financieros mantenidos para negociar
10.448
13.784
450
1.312
25.994
Pasivos financieros a coste amortizado
67.306
60.570
14.946
43.859
186.681
Otros pasivos
3.261
13.234
779
2.029
19.302
Total
81.015
87.588
16.175
47.200
231.977
Diciembre 2020
Activo
Efectivo, saldos en efectivo en bancos centrales y otros
dep\u00f3sitos a la vista
16.615
4.847
772
4.130
26.365
Activos financieros mantenidos para negociar
5.114
22.154
359
6.112
33.740
Activos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en
resultados
883
3.369
7
291
4.549
Activos financieros a valor razonable con cambios en otro
resultado global
7.073
7.723
2.489
8.087
25.373
Activos financieros a coste amortizado
39.841
53.184
26.810
38.036
157.871
Inversiones en negocios conjuntos y asociadas
5
14
\u2014
246
265
Activos tangibles
15
1.819
858
852
3.544
Otros activos
83.406
2.053
1.191
2.009
88.658
Total
152.953
95.163
32.486
59.764
340.366
Pasivo
Pasivos financieros mantenidos para negociar
4.562
18.489
471
772
24.295
Pasivos financieros a coste amortizado
67.165
54.429
18.930
43.468
183.993
Otros pasivos
78.724
6.662
687
7.393
93.466
Total
150.452
79.580
20.088
51.633
301.753
Este Anexo forma parte integrante de la Nota 2.2.15 de las Cuentas Anuales consolidadas correspondientes al ejercicio 2022.\u2003
ANEXO VIII. Cuentas de p\u00e9rdidas y ganancias consolidadas correspondientes al primer y
segundo semestre de 2022 y 2021
CUENTAS DE P\u00c9RDIDAS Y GANANCIAS CONSOLIDADAS (Millones de euros)
Primer\u00a0
semestre
2022
Segundo
semestre
2022
Primer\u00a0
semestre
2021 \u207d\u00b9\u207e
Segundo
semestre
2021 \u207d\u00b9\u207e
Ingresos por intereses y otros ingresos similares
13.403
18.029
10.962
12.053
Activos financieros a valor razonable con cambios en otro resultado global
1.304
1.806
814
1.066
Activos financieros a coste amortizado
10.395
14.863
8.849
9.515
Restantes activos
1.704
1.360
1.299
1.472
Gastos por intereses
(4.852)
(7.427)
(4.007)
(4.322)
MARGEN DE INTERESES
8.551
10.603
6.955
7.731
Ingresos por dividendos
76
47
125
50
Resultados de entidades valoradas por el m\u00e9todo de la participaci\u00f3n
15
6
(5)
6
Ingresos por comisiones
3.964
4.297
3.311
3.686
Gastos por comisiones
(1.314)
(1.594)
(996)
(1.235)
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos y pasivos financieros no valorados a
valor razonable con cambios en resultados, netas
39
25
121
13
Activos financieros a coste amortizado
8
\u2014
5
22
Restantes activos y pasivos financieros
31
25
115
(9)
Ganancias (p\u00e9rdidas) por activos y pasivos financieros mantenidos para negociar, netas
11
551
463
(122)
Reclasificaci\u00f3n de activos financieros desde valor razonable con cambios en otro resultado
global
\u2014
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de activos financieros desde coste amortizado
\u2014
\u2014
\u2014
\u2014
Otras ganancias (p\u00e9rdidas)
11
551
463
(122)
Ganancias (p\u00e9rdidas) por activos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados, netas
(35)
(32)
280
152
Reclasificaci\u00f3n de activos financieros desde valor razonable con cambios en otro resultado
global
\u2014
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de activos financieros desde coste amortizado
\u2014
\u2014
\u2014
\u2014
Otras ganancias (p\u00e9rdidas)
(35)
(32)
280
152
Ganancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con
cambios en resultados, netas
348
(198)
96
239
Ganancias (p\u00e9rdidas) resultantes de la contabilidad de coberturas, netas
16
(61)
(81)
(133)
Diferencias de cambio, netas
716
559
206
677
Otros ingresos de explotaci\u00f3n
297
231
340
321
Otros gastos de explotaci\u00f3n
(1.803)
(1.635)
(997)
(1.044)
Ingresos de activos amparados por contratos de seguro o reaseguro
1.537
1.566
1.350
1.243
Gastos de pasivos amparados por contratos de seguro o reaseguro
(908)
(984)
(909)
(776)
MARGEN BRUTO
11.509
13.381
10.259
10.807
Gastos de administraci\u00f3n
(4.401)
(5.031)
(3.983)
(4.313)
\u00a0 \u00a0 Gastos de personal
(2.587)
(3.025)
(2.371)
(2.675)
\u00a0 \u00a0 Otros gastos de administraci\u00f3n
(1.815)
(2.006)
(1.612)
(1.638)
Amortizaci\u00f3n
(652)
(676)
(615)
(619)
Provisiones o reversi\u00f3n de provisiones
(112)
(179)
(928)
(90)
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no valorados a valor
razonable con cambios en resultados y p\u00e9rdidas o ganancias netas por modificaci\u00f3n
(1.441)
(1.938)
(1.580)
(1.454)
\u00a0 \u00a0 Activos financieros valorados a coste amortizado
(1.391)
(1.912)
(1.587)
(1.430)
\u00a0 \u00a0 Activos financieros a valor razonable con cambios en otro resultado global
(50)
(26)
8
(25)
RESULTADO DE LA ACTIVIDAD DE EXPLOTACI\u00d3N
4.903
5.556
3.153
4.331
Deterioro del valor o reversi\u00f3n del deterioro del valor de inversiones en negocios conjuntos o
asociadas
19
24
\u2014
\u2014
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos no financieros
\u2014
(27)
(196)
(26)
\u00a0 \u00a0 Activos tangibles
22
31
(158)
(3)
\u00a0 \u00a0 Activos intangibles
(5)
(20)
(5)
(14)
\u00a0 \u00a0 Otros
(17)
(38)
(33)
(8)
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos no financieros y participaciones, netas
(15)
4
5
19
Fondo de comercio negativo reconocido en resultados
\u2014
\u2014
\u2014
\u2014
Ganancias (p\u00e9rdidas) procedentes de activos no corrientes y grupos enajenables de elementos
clasificados como mantenidos para la venta no admisibles como actividades interrumpidas
(120)
13
(73)
33
GANANCIAS (P\u00c9RDIDAS) ANTES DE IMPUESTOS PROCEDENTES DE LAS ACTIVIDADES
CONTINUADAS
4.787
5.569
2.889
4.358
Gastos o ingresos por impuestos sobre las ganancias de las actividades continuadas
(1.668)
(1.861)
(782)
(1.127)
GANANCIAS (P\u00c9RDIDAS) DESPU\u00c9S DE IMPUESTOS PROCEDENTES DE LAS
ACTIVIDADES CONTINUADAS
3.119
3.708
2.107
3.231
Ganancias (p\u00e9rdidas) despu\u00e9s de impuestos procedentes de actividades interrumpidas
\u2014
\u2014
280
\u2014
RESULTADO DEL EJERCICIO
3.119
3.708
2.387
3.231
ATRIBUIBLE A INTERESES MINORITARIOS (PARTICIPACIONES NO DOMINANTES)
117
290
476
489
ATRIBUIBLE A LOS PROPIETARIOS DE LA DOMINANTE
3.001
3.419
1.911
2.742
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
ANEXO VIII. Cuentas de p\u00e9rdidas y ganancias consolidadas correspondientes al primer y
segundo semestre de 2022 y 2021 (continuaci\u00f3n)
BENEFICIO (P\u00c9RDIDA) POR ACCI\u00d3N (Euros)
Primer\u00a0
semestre
2022
Segundo
semestre
2022
Primer\u00a0
semestre
2021 \u207d\u00b9\u207e
Segundo
semestre
2021 \u207d\u00b9\u207e
BENEFICIO (P\u00c9RDIDA) POR ACCI\u00d3N (Euros)
0,45
0,54
0,26
0,41
Beneficio (p\u00e9rdida) b\u00e1sico por acci\u00f3n en actividades continuadas
0,45
0,54
0,21
0,41
Beneficio (p\u00e9rdida) diluido por acci\u00f3n en actividades continuadas
0,45
0,54
0,21
0,41
Beneficio (p\u00e9rdida) b\u00e1sico por acci\u00f3n en actividades interrumpidas
\u2014
\u2014
0,04
\u2014
Beneficio (p\u00e9rdida) diluido por acci\u00f3n en actividades interrumpidas
\u2014
\u2014
0,04
\u2014
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
ANEXO IX. Estados Financieros de Banco Bilbao Vizcaya Argentaria, S.A.
ACTIVO (Millones de euros)
2022
2021 \u207d\u00b9\u207e
EFECTIVO, SALDOS EN EFECTIVO EN BANCOS CENTRALES Y OTROS DEP\u00d3SITOS A LA VISTA
52.973
38.821
ACTIVOS FINANCIEROS MANTENIDOS PARA NEGOCIAR
91.391
105.391
Derivados
35.023
28.389
Instrumentos de patrimonio
3.361
15.146
Valores representativos de deuda
11.318
11.546
Pr\u00e9stamos y anticipos a bancos centrales
1.632
3.467
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
23.969
31.300
Pr\u00e9stamos y anticipos a la clientela
16.089
15.543
ACTIVOS FINANCIEROS NO DESTINADOS A NEGOCIACI\u00d3N VALORADOS OBLIGATORIAMENTE
A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS
546
437
Instrumentos de patrimonio
438
172
Valores representativos de deuda
107
125
Pr\u00e9stamos y anticipos a bancos centrales
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
\u2014
\u2014
Pr\u00e9stamos y anticipos a la clientela
\u2014
140
ACTIVOS FINANCIEROS DESIGNADOS A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS
\u2014
\u2014
ACTIVOS FINANCIEROS A VALOR RAZONABLE CON CAMBIOS EN OTRO RESULTADO GLOBAL
24.854
28.205
Instrumentos de patrimonio
977
1.103
Valores representativos de deuda
23.877
27.102
ACTIVOS FINANCIEROS A COSTE AMORTIZADO
246.950
231.276
Valores representativos de deuda
25.313
22.312
Pr\u00e9stamos y anticipos a bancos centrales
10
254
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
9.329
8.371
Pr\u00e9stamos y anticipos a la clientela
212.297
200.339
DERIVADOS - CONTABILIDAD DE COBERTURAS
1.169
841
CAMBIOS DEL VALOR RAZONABLE DE LOS ELEMENTOS CUBIERTOS DE UNA CARTERA CON
COBERTURA DEL RIESGO DE TIPO DE INTER\u00c9S
(148)
5
INVERSIONES EN DEPENDIENTES, NEGOCIOS CONJUNTOS Y ASOCIADAS
21.960
17.504
Dependientes
21.644
17.226
Negocios conjuntos
36
54
Asociadas
280
225
ACTIVOS TANGIBLES
3.531
3.482
Inmovilizado material
3.432
3.396
De uso propio
3.432
3.396
Cedido en arrendamiento operativo
\u2014
\u2014
Inversiones inmobiliarias
99
87
ACTIVOS INTANGIBLES
855
841
Fondo de comercio
\u2014
\u2014
Otros activos intangibles
855
841
ACTIVOS POR IMPUESTOS
12.479
12.294
Activos por impuestos corrientes
1.629
546
Activos por impuestos diferidos
10.850
11.748
OTROS ACTIVOS
1.677
2.296
Contratos de seguros vinculados a pensiones
1.337
1.882
Existencias
\u2014
\u2014
Resto de los otros activos
340
414
ACTIVOS NO CORRIENTES Y GRUPOS ENAJENABLES DE ELEMENTOS QUE SE HAN
CLASIFICADO COMO MANTENIDOS PARA LA VENTA
651
885
TOTAL ACTIVO
458.888
442.279
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
PASIVO Y PATRIMONIO NETO (Millones de euros)
2022
2021 \u207d\u00b9\u207e
PASIVOS FINANCIEROS MANTENIDOS PARA NEGOCIAR
80.853
77.859
Derivados
30.954
27.054
Posiciones cortas de valores
11.408
13.148
Dep\u00f3sitos de bancos centrales
2.161
8.946
Dep\u00f3sitos de entidades de cr\u00e9dito
28.107
14.821
Dep\u00f3sitos de la clientela
8.224
13.890
Valores representativos de deuda emitidos
\u2014
\u2014
Otros pasivos financieros
\u2014
\u2014
PASIVOS FINANCIEROS DESIGNADOS A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS
1.859
2.238
Dep\u00f3sitos de bancos centrales
\u2014
\u2014
Dep\u00f3sitos de entidades de cr\u00e9dito
\u2014
\u2014
Dep\u00f3sitos de la clientela
1.859
2.238
Valores representativos de deuda emitidos
\u2014
\u2014
Otros pasivos financieros
\u2014
\u2014
Pro-memoria: pasivos subordinados
\u2014
\u2014
PASIVOS FINANCIEROS A COSTE AMORTIZADO
335.941
321.848
Dep\u00f3sitos de bancos centrales
32.517
40.839
Dep\u00f3sitos de entidades de cr\u00e9dito
20.200
14.936
Dep\u00f3sitos de la clientela
234.797
216.452
Valores representativos de deuda emitidos
38.511
37.866
Otros pasivos financieros
9.915
11.756
Pro-memoria: pasivos subordinados
9.106
9.912
DERIVADOS - CONTABILIDAD DE COBERTURAS
2.599
2.126
CAMBIOS DEL VALOR RAZONABLE DE LOS ELEMENTOS CUBIERTOS DE UNA CARTERA CON
COBERTURA DEL RIESGO DE TIPO DE INTER\u00c9S
\u2014
\u2014
PROVISIONES
3.385
4.488
Pensiones y otras obligaciones de prestaciones definidas post-empleo
2.085
3.027
Otras retribuciones a los empleados a largo plazo
433
600
Cuestiones procesales y litigios por impuestos pendientes
388
401
Compromisos y garant\u00edas concedidos
280
310
Restantes provisiones
198
150
PASIVOS POR IMPUESTOS
943
999
Pasivos por impuestos corrientes
190
187
Pasivos por impuestos diferidos
753
812
OTROS PASIVOS\u00a0
2.552
1.885
PASIVOS INCLUIDOS EN GRUPOS ENAJENABLES DE ELEMENTOS QUE SE HAN CLASIFICADO
COMO MANTENIDOS PARA LA VENTA
\u2014
\u2014
TOTAL PASIVO
428.133
411.443
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
ESTADOS DE INGRESOS Y GASTOS (Millones de euros)
2022
2021 \u207d\u00b9\u207e
RESULTADO DEL EJERCICIO
4.816
1.080
OTRO RESULTADO GLOBAL
(713)
(349)
ELEMENTOS QUE NO SE RECLASIFICAR\u00c1N EN RESULTADOS
(40)
186
Ganancias (p\u00e9rdidas) actuariales en planes de pensiones de prestaciones definidas
32
(4)
Activos no corrientes y grupos enajenables de elementos mantenidos para la venta
\u2014
\u2014
Cambios del valor razonable de instrumentos de patrimonio valorados a valor razonable con cambios
en otro resultado global, neto
(129)
167
Ganancias (p\u00e9rdidas) de contabilidad de coberturas de instrumentos de patrimonio a valor razonable
con cambios en otro resultado global, neto
\u2014
\u2014
Cambios del valor razonable de pasivos financieros a valor razonable con cambios en resultados
atribuibles a cambios en el riesgo de cr\u00e9dito
100
33
Resto de ajustes de valoraci\u00f3n
\u2014
\u2014
Impuesto sobre las ganancias relativo a los elementos que no se reclasificar\u00e1n
(43)
(10)
ELEMENTOS QUE PUEDEN RECLASIFICARSE EN RESULTADOS
(673)
(535)
Cobertura de inversiones netas en negocios en el extranjero [porci\u00f3n efectiva]
\u2014
\u2014
Conversi\u00f3n de divisas
\u2014
\u2014
Ganancias (p\u00e9rdidas) por cambio de divisas contabilizadas en el patrimonio neto
\u2014
\u2014
Transferido a resultados
\u2014
\u2014
Otras reclasificaciones
\u2014
\u2014
Coberturas de flujos de efectivo [porci\u00f3n efectiva]
191
(705)
Ganancias (p\u00e9rdidas) de valor contabilizadas en el patrimonio neto
191
(705)
Transferido a resultados
\u2014
\u2014
Transferido al importe en libros inicial de los elementos cubiertos
\u2014
\u2014
Otras reclasificaciones
\u2014
\u2014
Instrumentos de cobertura [elementos no designados]
\u2014
\u2014
Ganancias (p\u00e9rdidas) de valor contabilizadas en el patrimonio neto
\u2014
\u2014
Transferido a resultados
\u2014
\u2014
Otras reclasificaciones
\u2014
\u2014
Instrumentos de deuda a valor razonable con cambios en otro resultado global
(1.152)
(14)
Ganancias (p\u00e9rdidas) de valor contabilizadas en el patrimonio neto
(1.148)
49
Transferido a resultados
(4)
(63)
Otras reclasificaciones
\u2014
\u2014
Activos no corrientes y grupos enajenables de elementos mantenidos para la venta
\u2014
\u2014
Ganancias (p\u00e9rdidas) de valor contabilizadas en el patrimonio neto
\u2014
\u2014
Impuesto sobre las ganancias relativo a los elementos que pueden reclasificarse en resultados
288
184
RESULTADO GLOBAL TOTAL DEL EJERCICIO
4.102
731
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
Estado total de cambios en el patrimonio neto correspondiente al ejercicio anual finalizado el 31 de diciembre de 2022 de BBVA, S.A.
ESTADOS TOTALES DE CAMBIOS EN EL PATRIMONIO NETO (Millones de euros)
2022
Capital
Prima
de
emisi\u00f3n
Instrumentos
de patrimonio
emitidos
distintos del
capital
Otros
elementos
del
patrimonio
neto
Ganancias
acumuladas
Reservas de
revalorizaci\u00f3n
Otras
reservas
(-)
Acciones
propias
Resultado
del
ejercicio
(-)
Dividendos
a cuenta
Otro
resultado
global
acumulado
Total
Saldos a 1 de enero de 2022
3.267
23.599
\u2014
49
6.436
\u2014
(1.026)
(574)
1.080
(533)
(1.461)
30.836
Resultado global total del ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
4.816
\u2014
(713)
4.102
Otras variaciones del patrimonio neto
(313)
(2.743)
\u2014
1
(983)
\u2014
553
572
(1.080)
(190)
1
(4.182)
Emisi\u00f3n de acciones ordinarias
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Emisi\u00f3n de acciones preferentes
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Emisi\u00f3n de otros instrumentos de patrimonio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Ejercicio o vencimiento de otros instrumentos de patrimonio
emitidos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Conversi\u00f3n de deuda en patrimonio neto
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Reducci\u00f3n del capital
(313)
(2.743)
\u2014
\u2014
250
\u2014
(355)
3.160
\u2014
\u2014
\u2014
\u2014
Dividendos (o remuneraciones a los socios)
\u2014
\u2014
\u2014
\u2014
(1.467)
\u2014
\u2014
\u2014
\u2014
(724)
\u2014
(2.190)
Compra de acciones propias
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(2.879)
\u2014
\u2014
\u2014
(2.879)
Venta o cancelaci\u00f3n de acciones propias
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(6)
291
\u2014
\u2014
\u2014
285
Reclasificaci\u00f3n de instrumentos financieros del patrimonio
neto al pasivo
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de instrumentos financieros del pasivo al
patrimonio neto
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Transferencias entre componentes del patrimonio neto
\u2014
\u2014
\u2014
1
547
\u2014
(2)
\u2014
(1.080)
533
1
\u2014
Aumento o (-) disminuci\u00f3n del patrimonio neto resultante de
combinaciones de negocios
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Pagos basados en acciones
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros aumentos o (-) disminuciones del patrimonio neto
\u2014
\u2014
\u2014
\u2014
(313)
\u2014
916
\u2014
\u2014
\u2014
\u2014
602
Saldos a 31 de diciembre de 2022
2.955
20.856
\u2014
49
5.453
\u2014
(474)
(3)
4.816
(724)
(2.172)
30.756
Estado total de cambios en el patrimonio neto correspondiente al ejercicio anual finalizado el 31 de diciembre de 2021 de BBVA, S.A.
ESTADOS TOTALES DE CAMBIOS EN EL PATRIMONIO NETO (Millones de euros)
2021 \u207d\u00b9\u207e
Capital
Prima
de
emisi\u00f3n
Instrumentos
de patrimonio
emitidos
distintos del
capital
Otros
elementos
del
patrimonio
neto
Ganancias
acumuladas
Reservas de
revalorizaci\u00f3n
Otras
reservas
(-)
Acciones
propias
Resultado
del
ejercicio
(-)
Dividendos
a cuenta
Otro
resultado
global
acumulado
Total
Saldos a 1 de enero de 2021
3.267
23.992
\u2014
34
8.859
\u2014
31
(9)
(2.182)
\u2014
(1.124)
32.867
Resultado global total del ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
1.080
\u2014
(349)
731
Otras variaciones del patrimonio neto
\u2014
(393)
\u2014
15
(2.423)
\u2014
(1.058)
(565)
2.182
(533)
13
(2.763)
Emisi\u00f3n de acciones ordinarias
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Emisi\u00f3n de acciones preferentes
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Emisi\u00f3n de otros instrumentos de patrimonio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Ejercicio o vencimiento de otros instrumentos de patrimonio
emitidos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Conversi\u00f3n de deuda en patrimonio neto
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Reducci\u00f3n del capital
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Dividendos (o remuneraciones a los socios)
\u2014
(393)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(533)
\u2014
(927)
Compra de acciones propias
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(925)
\u2014
\u2014
\u2014
(925)
Venta o cancelaci\u00f3n de acciones propias
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(4)
360
\u2014
\u2014
\u2014
356
Reclasificaci\u00f3n de instrumentos financieros del patrimonio
neto al pasivo
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de instrumentos financieros del pasivo al
patrimonio neto
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Transferencias entre componentes del patrimonio neto
\u2014
\u2014
\u2014
(2)
(2.064)
\u2014
(129)
\u2014
2.182
\u2014
13
\u2014
Aumento o (-) disminuci\u00f3n del patrimonio neto resultante de
combinaciones de negocios
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Pagos basados en acciones
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros aumentos o (-) disminuciones del patrimonio neto
\u2014
\u2014
\u2014
17
(359)
\u2014
(925)
\u2014
\u2014
\u2014
\u2014
(1.267)
Saldos a 31 de diciembre de 2021
3.267
23.599
\u2014
49
6.436
\u2014
(1.026)
(574)
1.080
(533)
(1.461)
30.836
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
ESTADOS DE FLUJOS DE EFECTIVO (Millones de euros)
2022
2021 \u207d\u00b9\u207e
A) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE EXPLOTACI\u00d3N (1 + 2 + 3 + 4 + 5)
23.057
(12.004)
1. Resultado del ejercicio
4.816
1.080
2. Ajustes para obtener los flujos de efectivo de las actividades de explotaci\u00f3n:
(629)
1.313
Amortizaci\u00f3n
638
639
Otros ajustes
(1.268)
674
3. Aumento/Disminuci\u00f3n neto de los activos de explotaci\u00f3n
696
(15.123)
Activos financieros mantenidos para negociar
13.999
(20.093)
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable con cambios en
resultados
(109)
(26)
Activos financieros designados a valor razonable con cambios en resultados
\u2014
\u2014
Activos financieros a valor razonable con cambios en otro resultado global
3.351
9.323
Activos financieros a coste amortizado
(15.757)
(5.494)
Otros activos de explotaci\u00f3n
(788)
1.167
4. Aumento/Disminuci\u00f3n neto de los pasivos de explotaci\u00f3n
18.825
928
Pasivos financieros mantenidos para negociar
2.995
10.724
Pasivos financieros designados a valor razonable con cambios en resultados
(379)
(1.029)
Pasivos financieros a coste amortizado
15.480
(9.209)
Otros pasivos de explotaci\u00f3n
729
443
5. Cobros/Pagos por impuesto sobre beneficios
(651)
(202)
B) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE INVERSI\u00d3N (1 + 2)
(2.753)
10.049
1. Pagos
(3.937)
(502)
Activos tangibles
(60)
(56)
Activos intangibles
(360)
(319)
Inversiones en dependientes, negocios conjuntos y asociadas
(3.516)
(116)
Otras unidades de negocio
\u2014
\u2014
Activos no corrientes y pasivos que se han clasificado como mantenidos para la venta
\u2014
(12)
Otros pagos relacionados con actividades de inversi\u00f3n
\u2014
\u2014
2. Cobros
1.184
10.551
Activos tangibles
6
21
Activos intangibles
\u2014
\u2014
Inversiones en dependientes, negocios conjuntos y asociadas
852
77
Otras unidades de negocio
\u2014
\u2014
Activos no corrientes y pasivos que se han clasificado como mantenidos para la venta
326
10.453
Otros cobros relacionados con actividades de inversi\u00f3n
\u2014
\u2014
C) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE FINANCIACI\u00d3N (1 + 2)
(5.921)
(3.028)
1. Pagos
(6.190)
(3.540)
Dividendos (o remuneraciones a los socios)
(2.190)
(927)
Pasivos subordinados
(881)
(1.684)
Amortizaci\u00f3n de instrumentos de patrimonio propio
(313)
\u2014
Adquisici\u00f3n de instrumentos de patrimonio propio
(2.567)
(929)
Otros pagos relacionados con actividades de financiaci\u00f3n
(240)
\u2014
2. Cobros
270
512
Pasivos subordinados
\u2014
\u2014
Emisi\u00f3n de instrumentos de patrimonio propio
\u2014
\u2014
Enajenaci\u00f3n de instrumentos de patrimonio propio
270
356
Otros cobros relacionados con actividades de financiaci\u00f3n
\u2014
156
D) EFECTO DE LAS VARIACIONES DE LOS TIPOS DE CAMBIO
(231)
(303)
E) AUMENTO (DISMINUCI\u00d3N) NETO DEL EFECTIVO Y EQUIVALENTES (A + B + C + D)
14.153
(5.286)
F) EFECTIVO Y EQUIVALENTES AL INICIO DEL EJERCICIO
38.821
44.107
G) EFECTIVO Y EQUIVALENTES AL FINAL DEL EJERCICIO (E + F)
52.973
38.821
COMPONENTES DEL EFECTIVO Y EQUIVALENTES AL FINAL DEL EJERCICIO (Millones de euros)
2022
2021 \u207d\u00b9\u207e
Efectivo
972
830
Saldos equivalentes al efectivo en bancos centrales
49.854
36.566
Otros activos financieros
2.147
1.424
Menos: descubiertos bancarios reintegrables a la vista
\u2014
\u2014
TOTAL EFECTIVO Y EQUIVALENTES AL FINAL DEL EJERCICIO
52.973
38.821
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
Este Anexo forma parte integrante de la Nota 2.1 de las Cuentas Anuales consolidadas correspondientes al ejercicio 2022.
ANEXO X. Informaci\u00f3n sobre datos procedentes del registro contable especial y otra
informaci\u00f3n sobre c\u00e9dulas
El Banco cuenta con pol\u00edticas y procedimientos expresos en relaci\u00f3n con sus actividades en el mercado hipotecario y en la
financiaci\u00f3n de contratos de exportaci\u00f3n de bienes y servicios o de procesos de internacionalizaci\u00f3n de empresas, que permiten
garantizar el adecuado cumplimiento de la normativa aplicable al mercado hipotecario y a la emisi\u00f3n de c\u00e9dulas.
Pol\u00edticas y procedimientos sobre mercado hipotecario
La informaci\u00f3n requerida por la Circular 5/2011 de Banco de Espa\u00f1a se muestra a continuaci\u00f3n.
La pol\u00edtica de concesi\u00f3n de operaciones hipotecarias est\u00e1 sustentada en unos criterios orientados a garantizar una adecuada relaci\u00f3n
entre el importe y las cuotas del pr\u00e9stamo con respecto a los ingresos del solicitante. Es necesario en todos los casos que \u00e9ste
demuestre que tiene suficiente capacidad de pago (presente y futura) para hacer frente a sus compromisos de pago, tanto de la
deuda hipotecaria, como de otras deudas detectadas en el sistema financiero. Por tanto, la capacidad de reembolso del solicitante es
un elemento clave dentro de las herramientas de decisi\u00f3n crediticia y manuales de admisi\u00f3n de riesgo minorista, manteniendo una
elevada ponderaci\u00f3n en la decisi\u00f3n final.
Durante el proceso de an\u00e1lisis de las operaciones de riesgo hipotecario, se solicita documentaci\u00f3n acreditativa de los ingresos del
solicitante (n\u00f3minas, etc.) y se comprueba la posici\u00f3n del solicitante en el sistema financiero mediante consultas automatizadas a
bases de datos (internas y p\u00fablicas externas). De estas informaciones se derivan los c\u00e1lculos para determinar el nivel de
endeudamiento/cumplimiento con el resto del sistema. Esta documentaci\u00f3n se custodia dentro del expediente de la operaci\u00f3n.
Por otro lado, la pol\u00edtica de concesi\u00f3n de operaciones hipotecarias eval\u00faa una adecuada relaci\u00f3n entre el importe del pr\u00e9stamo y la
tasaci\u00f3n del bien hipotecado. En este sentido, se establece que la tasaci\u00f3n del inmueble a hipotecar se realizar\u00e1 por una sociedad de
tasaci\u00f3n tal como se establece en la Circular 4/2017. BBVA selecciona aquellas sociedades que por su reputaci\u00f3n, reconocimiento en
el mercado e independencia son capaces de ofrecer la m\u00e1xima adecuaci\u00f3n de sus valoraciones a la realidad de mercado en cada
territorio. Cada valoraci\u00f3n se revisa y comprueba previamente a la concesi\u00f3n y, en caso de contrataci\u00f3n final, se custodia dentro del
expediente de la operaci\u00f3n.
Respecto de las emisiones relacionadas con el mercado hipotecario, el \u00e1rea de Finanzas define con periodicidad anual la estrategia de
emisi\u00f3n de financiaci\u00f3n mayorista y, en concreto, de las emisiones hipotecarias, tales como c\u00e9dulas hipotecarias o titulizaciones
hipotecarias. El Comit\u00e9 de Activos y Pasivos realiza el seguimiento presupuestario con frecuencia mensual. La determinaci\u00f3n del
volumen y tipolog\u00eda de activos de dichas operaciones se realiza en funci\u00f3n del plan de financiaci\u00f3n mayorista, de la evoluci\u00f3n de los
saldos vivos de \u201cPr\u00e9stamos y anticipos\u201d del Banco y de las condiciones de mercado.
El Consejo de Administraci\u00f3n del Banco autoriza cada una de las emisiones de Certificados de Transmisi\u00f3n de Hipoteca y/o
Participaciones Hipotecarias que se emiten por parte de BBVA para titulizar los derechos de cr\u00e9dito procedentes de pr\u00e9stamos y
cr\u00e9ditos hipotecarios. Asimismo, el Consejo de Administraci\u00f3n autoriza el establecimiento de un Folleto Base para la emisi\u00f3n de
valores de renta fija a trav\u00e9s del cual se instrumentan las emisiones de c\u00e9dulas hipotecarias.
De acuerdo con lo establecido en la normativa aplicable, el Banco tiene establecidos una serie de controles para la emisi\u00f3n de las
c\u00e9dulas hipotecarias, en virtud de los cuales se controla peri\u00f3dicamente el volumen total de c\u00e9dulas hipotecarias emitido y del
colateral que sirve como garant\u00eda y del colateral elegible, con el objetivo de evitar que se traspase cualquier l\u00edmite que sea de
aplicaci\u00f3n de acuerdo con la normativa aplicable en cada momento. En el caso de las titulizaciones, la cartera preliminar de
pr\u00e9stamos y cr\u00e9ditos hipotecarios a titulizar es verificada por un experto independiente ajeno al Banco. Existe adem\u00e1s, una serie de
filtros a trav\u00e9s de los cuales, son excluidos determinados pr\u00e9stamos y cr\u00e9ditos hipotecarios atendiendo a criterios legales,
comerciales y de concentraci\u00f3n de riesgos.
Informaci\u00f3n cuantitativa sobre actividades en mercado hipotecario
A continuaci\u00f3n se presenta la informaci\u00f3n cuantitativa de BBVA, S.A. sobre actividades en el mercado hipotecario requerida por la
Circular 5/2011 de Banco de Espa\u00f1a a 31 de diciembre de 2022 y 2021.
b.1) Operaciones activas (1)
Pr\u00e9stamos hipotecarios. Elegibilidad y computabilidad a efectos del mercado hipotecario (Millones de euros)
2022
2021
Valor nominal de los pr\u00e9stamos y cr\u00e9ditos hipotecarios pendientes de amortizaci\u00f3n
(A)
82.753
86.112
Menos: Valor nominal de la totalidad de los pr\u00e9stamos y cr\u00e9ditos hipotecarios pendientes que, figurando
a\u00fan en la cartera, hayan sido movilizados a trav\u00e9s de participaciones hipotecarias o certificados de
transmisi\u00f3n hipotecaria
(B)
(26.197)
(27.106)
Valor nominal de los pr\u00e9stamos y cr\u00e9ditos hipotecarios pendientes de amortizaci\u00f3n sin
titulizados
(A)-(B)
56.556
59.006
De los que: Pr\u00e9stamos y cr\u00e9ditos hipotecarios que resultar\u00edan elegibles sin tener en cuenta los l\u00edmites
de c\u00f3mputo fijados en el art\u00edculo 12 del RD 716/2009
(C)
42.607
45.006
De los que: Menos: Pr\u00e9stamos y cr\u00e9ditos hipotecarios que resultar\u00edan elegibles pero que, a tenor de
los criterios fijados en el art\u00edculo 12 del RD 716/2009, no son computables para dar cobertura a la
emisi\u00f3n de t\u00edtulos hipotecarios
(D)
(611)
(1.043)
Pr\u00e9stamos y cr\u00e9ditos hipotecarios elegibles que, a tenor de los criterios fijados en el art\u00edculo 12
del RD 716/2009, son computables para dar cobertura a la emisi\u00f3n de t\u00edtulos hipotecarios
(C)-(D)
41.996
43.963
L\u00edmite de emisiones = 80% de los pr\u00e9stamos y cr\u00e9ditos hipotecarios elegibles que sean computables
(E )
33.597
35.170
C\u00e9dulas hipotecarias emitidas
(F)
23.276
31.899
C\u00e9dulas hipotecarias en circulaci\u00f3n
7.775
9.399
Capacidad de emisi\u00f3n de c\u00e9dulas hipotecarias
(E)-(F)
10.321
3.271
Pro-memoria:
Porcentaje de sobrecolateralizaci\u00f3n sobre toda la cartera
243 %
185 %
Porcentaje de sobrecolateralizaci\u00f3n sobre toda la cartera elegible computable
180 %
138 %
Valor nominal de los importes disponibles (importes comprometidos no dispuestos) de la totalidad de
los pr\u00e9stamos y cr\u00e9ditos hipotecarios
6.409
5.765
De los que: Potencialmente elegibles
5.146
4.972
De los que: No elegibles
1.263
793
Valor nominal de la totalidad de los pr\u00e9stamos y cr\u00e9ditos hipotecarios que no siendo elegibles por no
respetar los l\u00edmites fijados en el art\u00edculo 5.1 del RD 716/2009, cumplan el resto de requisitos exigibles a
los elegibles, se\u00f1alados en el art\u00edculo 4 del Real Decreto
5.915
7.623
Valor nominal de los activos de sustituci\u00f3n afectos a emisiones de c\u00e9dulas hipotecarias
\u2014
\u2014
Pr\u00e9stamos hipotecarios. Elegibilidad y computabilidad a efectos del mercado hipotecario (Millones de euros)
2022
2021
Total pr\u00e9stamos
(1)
82.753
86.112
Participaciones hipotecarias emitidas
(2)
8.604
3.703
De los que: Pr\u00e9stamos mantenidos en balance
7.666
2.632
Certificados de transmisi\u00f3n hipotecaria emitidos
(3)
17.593
23.403
De los que: Pr\u00e9stamos mantenidos en balance
16.019
21.530
Pr\u00e9stamos hipotecarios afectos en garant\u00eda de financiaciones recibidas
(4)
\u2014
\u2014
Pr\u00e9stamos que respaldan la emisi\u00f3n de bonos y c\u00e9dulas hipotecarias
1-2-3-4
56.556
59.006
Pr\u00e9stamos no elegibles
13.949
14.000
Cumplen los requisitos para ser elegibles excepto el l\u00edmite del art\u00edculo 5.1 del RD
716/2009
5.915
7.623
Resto
8.034
6.377
Pr\u00e9stamos elegibles
42.607
45.006
Importes no computables
611
1.043
Importes computables\u00a0
41.996
43.963
Pr\u00e9stamos que cubren emisiones de bonos hipotecarios
\u2014
\u2014
Pr\u00e9stamos aptos para cobertura de c\u00e9dulas hipotecarias
41.996
43.963
(1) Sin considerar los l\u00edmites a su c\u00f3mputo que establece el art\u00edculo 12 del RD 716/2009.
(2) Considerando los l\u00edmites a su c\u00f3mputo que establece el art\u00edculo 12 del RD 716/2009.
Pr\u00e9stamos elegibles para la emisi\u00f3n de bonos hipotecarios y c\u00e9dulas hipotecarias (Millones de euros)
Riesgo total sobre importe de \u00faltima tasaci\u00f3n
disponible (Loan to Value - LTV)
Inferior o
igual al
40%
Superior al
40% e
inferior o
igual al
60%
Superior al
60% e
inferior o
igual al
80%
Superior al\u00a0
80%
Total
Diciembre 2022
Sobre vivienda
14.160
12.814
11.378
\u2014
38.352
Sobre resto de bienes
2.387
1.868
4.255
Total
16.547
14.682
11.378
\u2014
42.607
Diciembre 2021
Sobre vivienda
13.612
13.935
13.004
\u2014
40.551
Sobre resto de bienes
2.264
2.191
4.455
Total
15.876
16.126
13.004
\u2014
45.006
Pr\u00e9stamos hipotecarios elegibles y no elegibles. Movimientos de los valores nominales en el periodo (Millones de euros)
2022
2021
Elegibles (1)
No elegibles
Elegibles (1)
No elegibles
Saldo inicial
45.006
14.000
44.854
16.350
Bajas
9.627
7.427
6.829
6.033
Cancelaciones a vencimiento
3.962
1.198
4.008
1.013
Cancelaciones anticipadas
2.247
751
2.283
971
Subrogaciones de otras entidades
98
31
56
20
Resto
3.320
5.447
482
4.029
Altas
7.228
7.376
6.981
3.684
Originados por la entidad
3.698
3.539
5.275
3.138
Subrogaciones de otras entidades
63
41
25
10
Resto
3.467
3.796
1.682
535
Saldo final
42.607
13.949
45.006
14.000
(1) Sin considerar los l\u00edmites a su c\u00f3mputo que establece el art\u00edculo 12 del RD 716/2009.
Pr\u00e9stamos hipotecarios que respaldan la emisi\u00f3n de bonos y c\u00e9dulas hipotecarias. Saldos disponibles. Valor nominal
(Millones de euros)
2022
2021
Potencialmente elegibles
5.146
4.972
No elegibles
1.263
793
Total
6.409
5.765
b.2)Operaciones pasivas
T\u00edtulos hipotecarios emitidos (Millones de euros)
2022
2021
Valor nominal
Vencimiento
residual medio
Valor nominal
Vencimiento
residual medio
Bonos hipotecarios vivos
\u2014
\u2014
C\u00e9dulas hipotecarias emitidas
23.276
31.899
De las que: No registradas en el pasivo del balance
15.501
22.500
De las que: En circulaci\u00f3n
7.775
9.399
Valores representativos de deuda. Emitidos mediante oferta
p\u00fablica
7.950
7.700
Vencimiento residual hasta un a\u00f1o
2.250
1.250
Vencimiento residual mayor de un a\u00f1o y hasta dos a\u00f1os
1.000
2.250
Vencimiento residual mayor de dos y hasta tres a\u00f1os
2.000
1.000
Vencimiento residual mayor de tres y hasta cinco a\u00f1os
2.500
3.000
Vencimiento residual mayor de cinco y hasta diez a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de diez a\u00f1os
200
200
Valores representativos de deuda. Resto de emisiones
14.105
22.610
Vencimiento residual hasta un a\u00f1o
2.500
2.000
Vencimiento residual mayor de un a\u00f1o y hasta dos a\u00f1os
\u2014
9.000
Vencimiento residual mayor de dos y hasta tres a\u00f1os
4.000
\u2014
Vencimiento residual mayor de tres y hasta cinco a\u00f1os
4.605
8.500
Vencimiento residual mayor de cinco y hasta diez a\u00f1os
3.000
3.110
Vencimiento residual mayor de diez a\u00f1os
\u2014
\u2014
Dep\u00f3sitos
1.221
1.589
Vencimiento residual hasta un a\u00f1o
100
368
Vencimiento residual mayor de un a\u00f1o y hasta dos a\u00f1os
\u2014
100
Vencimiento residual mayor de dos y hasta tres a\u00f1os
371
\u2014
Vencimiento residual mayor de tres y hasta cinco a\u00f1os
100
371
Vencimiento residual mayor de cinco y hasta diez a\u00f1os
650
750
Vencimiento residual mayor de diez a\u00f1os
\u2014
\u2014
Participaciones hipotecarias emitidas
7.666
248
2.632
251
Emitidas mediante oferta p\u00fablica
7.666
248
2.632
251
Resto de emisiones
\u2014
\u2014
\u2014
\u2014
Certificados de transmisi\u00f3n hipotecarias emitidos
16.019
248
21.530
251
Emitidos mediante oferta p\u00fablica
16.019
248
21.530
251
Resto de emisiones
\u2014
\u2014
\u2014
\u2014
c.2)Operaciones pasivas
C\u00e9dulas de internacionalizaci\u00f3n (Millones de euros)
Valor nominal
2022
Valor nominal
2021
(1) Valores representativos de deuda. Emitidos mediante oferta p\u00fablica (a)
\u2014
1.500
De los cuales: valores propios
\u2014
1.500
Vencimiento residual hasta un a\u00f1o
\u2014
1.500
Vencimiento residual mayor de un a\u00f1o y hasta dos a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de dos y hasta tres a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de tres y hasta cinco a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de cinco y hasta diez a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de diez a\u00f1os
\u2014
\u2014
(2) Valores representativos de deuda. Resto de emisiones (a)
\u2014
\u2014
De los cuales: valores propios
\u2014
\u2014
Vencimiento residual hasta un a\u00f1o
\u2014
\u2014
Vencimiento residual mayor de un a\u00f1o y hasta dos a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de dos y hasta tres a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de tres y hasta cinco a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de cinco y hasta diez a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de diez a\u00f1os
\u2014
\u2014
(3) Dep\u00f3sitos (b)
\u2014
\u2014
Vencimiento residual hasta un a\u00f1o
\u2014
\u2014
Vencimiento residual mayor de un a\u00f1o y hasta dos a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de dos y hasta tres a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de tres y hasta cinco a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de cinco y hasta diez a\u00f1os
\u2014
\u2014
Vencimiento residual mayor de diez a\u00f1os
\u2014
\u2014
TOTAL: (1) + (2) + (3)
\u2014
1.500
Porcentaje
Porcentaje
Ratio de cobertura de las c\u00e9dulas de internacionalizaci\u00f3n sobre los pr\u00e9stamos (c)
\u2014%
43 %
(a) Incluye el valor nominal de todos los pr\u00e9stamos que sirven de garant\u00eda de las c\u00e9dulas territoriales, con independencia de la partida en la que est\u00e9n encuadradas en el balance.
Principal dispuesto pendiente de cobro de los pr\u00e9stamos. Las c\u00e9dulas territoriales incluyen todos los instrumentos emitidos por la entidad pendiente de amortizaci\u00f3n, aunque no
figuren reconocidos en el pasivo (porque no se hayan colocado a terceros o hayan sido recomprados).
(b) Porcentaje que resulte del valor del cociente entre el valor nominal de las c\u00e9dulas emitidas y no vencidas, aunque no est\u00e9n reconocidas en el pasivo, y el valor nominal
pendiente de cobro de los pr\u00e9stamos que sirven como garant\u00eda.
Este Anexo forma parte integrante de las Notas 14.3, 22.4 y 55.3 de las Cuentas Anuales consolidadas correspondientes al ejercicio
2022.
ANEXO XI.Informaci\u00f3n cuantitativa sobre refinanciaciones y reestructuraciones y otros
requerimientos de la Circular 6/2012 de Banco de Espa\u00f1a
Informaci\u00f3n cuantitativa sobre refinanciaciones y reestructuraciones
A continuaci\u00f3n se muestran los saldos vigentes de refinanciaciones y restructuraciones a 31 diciembre de 2022, 2021 y 2020:
Diciembre 2022 SALDOS VIGENTES DE REFINANCIACIONES Y REESTRUCTURACIONES (Millones de Euros)
TOTAL
Sin garant\u00eda real
Con garant\u00eda real
Deterioro de valor
acumulado o
p\u00e9rdidas
acumuladas en el
valor razonable
debidas al riesgo
de cr\u00e9dito
Importe m\u00e1ximo de la
garant\u00eda real que puede
considerarse
N\u00famero de
operaciones
Importe en
libros bruto
N\u00famero de
operaciones
Importe en
libros bruto
Garant\u00eda
inmobiliaria
Resto de
garant\u00edas
reales
Entidades de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Administraciones P\u00fablicas
57
38
24
9
6
\u2014
(9)
Otras sociedades financieras y empresarios
individuales (actividad empresarial financiera)
303
10
22
6
1
3
(7)
Sociedades no financieras y empresarios
individuales (actividad empresarial no financiera)
75.713
5.882
8.687
2.792
1.238
223
(3.303)
De los cuales: financiaci\u00f3n a la construcci\u00f3n y
promoci\u00f3n inmobiliaria (incluido suelo)
460
479
819
383
164
33
(497)
Resto de hogares (1)
231.910
1.412
79.666
4.969
3.702
20
(1.601)
Total
307.983
7.343
88.399
7.778
4.946
246
(4.920)
Del cual: DUDOSOS
Sin garant\u00eda real
Con garant\u00eda real
Deterioro de valor
acumulado o
p\u00e9rdidas
acumuladas en el
valor razonable
debidas al riesgo
de cr\u00e9dito
Importe m\u00e1ximo de la
garant\u00eda real que puede
considerarse
N\u00famero de
operaciones
Importe en
libros bruto
N\u00famero de
operaciones
Importe en
libros bruto
Garant\u00eda
inmobiliaria
Resto de
garant\u00edas
reales
Entidades de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Administraciones P\u00fablicas
26
20
23
9
5
\u2014
(8)
Otras sociedades financieras y empresarios
individuales (actividad empresarial financiera)
232
9
17
4
\u2014
1
(7)
Sociedades no financieras y empresarios
individuales (actividad empresarial no financiera)
59.944
3.104
6.005
1.604
500
66
(2.815)
De los cuales: financiaci\u00f3n a la construcci\u00f3n y
promoci\u00f3n inmobiliaria (incluido suelo)
414
475
620
269
82
22
(480)
Resto de hogares (1)
124.228
871
37.043
2.514
1.607
4
(1.412)
Total
184.430
4.004
43.088
4.130
2.113
70
(4.242)
(1) El n\u00famero de operaciones para resto de hogares no contiene el detalle de Garanti BBVA. Incluye las operaciones con garant\u00eda hipotecaria inmobiliaria no plena, es decir, con
LTV superior a 1, y las operaciones con garant\u00eda real distinta de la hipotecaria inmobiliaria cualquiera que sea su LTV.
Diciembre 2020 SALDOS VIGENTES DE REFINANCIACIONES Y REESTRUCTURACIONES (Millones de Euros)
TOTAL
Sin garant\u00eda real
Con garant\u00eda real
Deterioro de valor
acumulado o
p\u00e9rdidas
acumuladas en el
valor razonable
debidas al riesgo
de cr\u00e9dito
Importe m\u00e1ximo de la
garant\u00eda real que puede
considerarse
N\u00famero de
operaciones
Importe en
libros bruto
N\u00famero de
operaciones
Importe en
libros bruto
Garant\u00eda
inmobiliaria
Resto de
garant\u00edas
reales
Entidades de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Administraciones P\u00fablicas
67
77
69
62
45
\u2014
(15)
Otras sociedades financieras y empresarios
individuales (actividad empresarial financiera)
519
10
22
2
2
\u2014
(4)
Sociedades no financieras y empresarios
individuales (actividad empresarial no financiera)
111.648
5.592
11.343
3.182
1.911
33
(3.128)
De los cuales: financiaci\u00f3n a la construcci\u00f3n y
promoci\u00f3n inmobiliaria (incluido suelo)
624
500
1.081
622
370
8
(420)
Resto de hogares (1)
261.097
1.782
86.643
5.992
4.379
27
(1.712)
Total
373.331
7.460
98.077
9.239
6.337
60
(4.859)
Del cual: DUDOSOS
Sin garant\u00eda real
Con garant\u00eda real
Deterioro de valor
acumulado o
p\u00e9rdidas
acumuladas en el
valor razonable
debidas al riesgo
de cr\u00e9dito
Importe m\u00e1ximo de la
garant\u00eda real que puede
considerarse
N\u00famero de
operaciones
Importe en
libros bruto
N\u00famero de
operaciones
Importe en
libros bruto
Garant\u00eda
inmobiliaria
Resto de
garant\u00edas
reales
Entidades de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Administraciones P\u00fablicas
39
36
29
20
14
\u2014
(12)
Otras sociedades financieras y empresarios
individuales (actividad empresarial financiera)
283
5
11
1
1
\u2014
(3)
Sociedades no financieras y empresarios
individuales (actividad empresarial no financiera)
67.588
3.470
6.880
1.939
916
21
(2.727)
De los cuales: financiaci\u00f3n a la construcci\u00f3n y
promoci\u00f3n inmobiliaria (incluido suelo)
469
216
674
408
197
8
(311)
Resto de hogares (1)
113.013
765
37.063
2.805
1.820
8
(1.358)
Total
180.923
4.274
43.983
4.765
2.750
30
(4.100)
(1) El n\u00famero de operaciones para resto de hogares no contiene el detalle de Garanti BBVA. Incluye las operaciones con garant\u00eda hipotecaria inmobiliaria no plena, es decir, con
LTV superior a 1, y las operaciones con garant\u00eda real distinta de la hipotecaria inmobiliaria cualquiera que sea su LTV.
Adem\u00e1s de las mencionadas operaciones de refinanciaci\u00f3n y reestructuraci\u00f3n en esta secci\u00f3n, se han modificado las condiciones de
otros pr\u00e9stamos, los cuales, no se consideran renegociados o deteriorados en base a los criterios establecidos en la normativa
contable de aplicaci\u00f3n. Dichos pr\u00e9stamos no han sido clasificados como renegociados o deteriorados, ya que fueron modificados por
razones comerciales o de competencia (por ejemplo, para mejorar la relaci\u00f3n con el cliente) m\u00e1s que por razones econ\u00f3micas o
legales relacionadas con la situaci\u00f3n financiera del prestatario.
A continuaci\u00f3n, se incluye un cuadro con la distribuci\u00f3n por segmentos de las operaciones refinanciadas netas de provisi\u00f3n a 31 de
diciembre de 2022, 2021 y 2020:
Operaciones refinanciadas. Distribuci\u00f3n por segmentos (Millones de euros)
2022
2021
2020
Entidades de cr\u00e9dito
\u2014
\u2014
\u2014
Administraciones p\u00fablicas
39
74
124
Otras sociedades financieras y empresarios individuales (actividad empresarial financiera)
9
26
8
Sociedades no financieras y empresarios individuales (actividad empresarial no financiera)
5.371
6.946
5.645
De las cuales: Financiaci\u00f3n a la construcci\u00f3n y promoci\u00f3n inmobiliaria (incluido suelo)
365
128
701
Resto de hogares
4.780
6.068
6.062
Total valor en libros
10.200
13.114
11.840
Financiaci\u00f3n clasificada como activos no corrientes y grupos enajenables de elementos
que se han clasificado como mantenidos para la venta
\u2014
\u2014
858
Ratio de mora por categor\u00eda de pr\u00e9stamos renegociados
El ratio de mora de la cartera de pr\u00e9stamos renegociados se define como el saldo dudoso de los pr\u00e9stamos renegociados con
dificultades en dicha cartera al cierre del ejercicio, dividido por la cantidad total pendiente de pago de los pr\u00e9stamos renegociados en
dicha cartera a tal fecha.
A continuaci\u00f3n, se muestra el desglose del ratio de mora para cada una de las carteras de pr\u00e9stamos renegociados de los pr\u00e9stamos
deteriorados por raz\u00f3n de la morosidad a 31 de diciembre de 2022 y 2021:
Ratio de mora cartera de pr\u00e9stamos renegociados
Ratio pr\u00e9stamos
deteriorados por raz\u00f3n
de la morosidad
2022
2021
Administraciones p\u00fablicas
61 %
45 %
Resto de personas jur\u00eddicas y aut\u00f3nomos
54 %
54 %
De los que: Financiaci\u00f3n a la construcci\u00f3n y promoci\u00f3n inmobiliaria
86 %
73 %
Resto de personas f\u00edsicas
53 %
47 %
(1) Los importes reflejados en este cuadro se presentan netos de las correcciones de valor.
(2) Peque\u00f1as y medianas empresas.
(3) Instituciones sin fines de lucro al servicio de los hogares.
(4) Neto de deterioros.
Diciembre 2020 (Millones de euros)
Pr\u00e9stamos a la clientela con garant\u00eda real.
Loan to value
Total (1)
Garant\u00eda
hipotecaria
Otras
garant\u00edas
reales
Inferior
o igual al
40 %
Superior
al 40 %
e inferior
o igual al
60 %
Superior
al 60 %
e inferior
o igual al
80 %
Superior
al 80 %
e inferior
o igual al
100 %
Superior
al 100 %
Administraciones P\u00fablicas
19.718
372
1.451
390
546
135
714
39
Otras instituciones financieras y
empresarios individuales
17.464
200
9.398
166
1.585
2.610
4.948
289
Sociedades no financieras y
empresarios individuales
143.693
23.686
4.082
8.294
7.162
4.467
3.200
4.646
Construcci\u00f3n y promoci\u00f3n
inmobiliaria
4.379
3.244
82
1.048
1.015
678
263
321
Construcci\u00f3n de obra civil
6.810
641
279
274
194
97
48
306
Resto de finalidades
132.504
19.801
3.721
6.972
5.953
3.691
2.888
4.019
Grandes empresas
79.595
6.648
1.920
2.561
1.811
1.242
1.012
1.943
Pymes (2) y empresarios
individuales
52.909
13.154
1.801
4.411
4.142
2.449
1.877
2.076
Resto de hogares e ISFLSH (3)
137.870
92.555
1.836
19.606
24.126
27.130
15.463
8.066
Viviendas
94.098
90.756
131
18.743
23.719
26.817
13.960
7.648
Consumo
39.442
418
1.521
246
190
139
1.245
118
Otros fines
4.331
1.381
184
617
216
174
257
301
TOTAL
318.745
116.813
16.768
28.456
33.419
34.343
24.324
13.039
PRO MEMORIA
Operaciones de refinanciaci\u00f3n,
refinanciadas y reestructuradas (4)
11.840
7.271
74
1.350
1.408
1.587
1.165
1.834
(1) Los importes reflejados en este cuadro se presentan netos de las correcciones de valor.
(2) Peque\u00f1as y medianas empresas.
(3) Instituciones sin fines de lucro al servicio de los hogares.
(4) Neto de deterioros.
Informaci\u00f3n cualitativa sobre concentraci\u00f3n de riesgos por actividad y \u00e1reas geogr\u00e1ficas
Diciembre 2022 (Millones de euros)
TOTAL (1)
Espa\u00f1a
Resto de la
Uni\u00f3n Europea
Am\u00e9rica
Resto del
mundo
Entidades de cr\u00e9dito
166.602
58.290
36.043
42.941
29.328
Administraciones P\u00fablicas
128.028
52.873
13.677
47.726
13.752
Administraci\u00f3n Central
107.292
39.349
13.153
41.666
13.124
Resto
20.736
13.524
524
6.060
628
Otras instituciones financieras
49.629
9.884
16.254
15.110
8.380
Sociedades no financieras y empresarios individuales
235.376
81.464
25.039
80.112
48.761
Construcci\u00f3n y promoci\u00f3n inmobiliaria
8.590
2.636
659
2.149
3.146
Construcci\u00f3n de obra civil
9.361
5.942
1.078
1.037
1.304
Resto de finalidades
217.425
72.886
23.302
76.925
44.311
Grandes empresas
154.894
45.864
22.686
55.071
31.274
Pymes y empresarios individuales
62.531
27.023
616
21.855
13.038
Resto de hogares e ISFLSH
151.091
88.608
2.591
49.290
10.602
Viviendas
95.238
70.901
1.483
21.455
1.398
Consumo
50.296
14.595
236
26.697
8.768
Otros fines
5.557
3.111
871
1.139
436
TOTAL
730.724
291.119
93.603
235.179
110.823
(1) La definici\u00f3n de riesgo a efectos de este estado incluye las siguientes partidas del balance p\u00fablico: \u201cPr\u00e9stamos y anticipos\u201d, \u201cValores representativos de deuda\u201d, \u201cInstrumentos
de patrimonio\u201d, \u201cDerivados\u201d (mantenidos para negociar y de cobertura), \u201cInversiones en dependientes, negocios conjuntos y asociadas\u201d y \u201cGarant\u00edas concedidas\u201d. Los importes
reflejados en este cuadro se presentan despu\u00e9s de deducir las correcciones de valor efectuadas.
Diciembre 2021 (Millones de euros)
TOTAL (1)
Espa\u00f1a
Resto de la
Uni\u00f3n Europea
Am\u00e9rica
Resto del
mundo
Entidades de cr\u00e9dito
153.178
46.282
35.157
37.840
33.898
Administraciones P\u00fablicas
122.518
53.621
15.822
41.510
11.564
Administraci\u00f3n Central
101.719
38.601
15.451
36.397
11.269
Resto
20.799
15.020
371
5.113
295
Otras instituciones financieras
44.470
9.988
16.039
11.474
6.969
Sociedades no financieras y empresarios individuales
211.437
77.227
25.485
64.123
44.602
Construcci\u00f3n y promoci\u00f3n inmobiliaria
8.594
3.029
662
2.050
2.853
Construcci\u00f3n de obra civil
10.345
5.641
1.210
1.030
2.465
Resto de finalidades
192.498
68.557
23.614
61.044
39.284
Grandes empresas
136.229
42.462
23.133
40.931
29.703
Pymes y empresarios individuales
56.269
26.095
481
20.113
9.581
Resto de hogares e ISFLSH
141.747
89.769
2.715
40.819
8.444
Viviendas
95.200
73.145
1.645
18.455
1.955
Consumo
41.799
13.431
745
21.399
6.224
Otros fines
4.749
3.193
325
966
265
TOTAL
673.350
276.887
95.218
195.768
105.477
(1) La definici\u00f3n de riesgo a efectos de este estado incluye las siguientes partidas del balance p\u00fablico: \u201cPr\u00e9stamos y anticipos\u201d, \u201cValores representativos de deuda\u201d, \u201cInstrumentos
de patrimonio\u201d, \u201cDerivados\u201d (mantenidos para negociar y de cobertura), \u201cInversiones en dependientes, negocios conjuntos y asociadas\u201d y \u201cGarant\u00edas concedidas\u201d. Los importes
reflejados en este cuadro se presentan despu\u00e9s de deducir las correcciones de valor efectuadas.
Diciembre 2020 (Millones de euros)
TOTAL (1)
Espa\u00f1a
Resto de la
Uni\u00f3n Europea
Am\u00e9rica
Resto del
mundo
Entidades de cr\u00e9dito
140.294
44.287
29.055
39.897
27.055
Administraciones P\u00fablicas
125.311
61.944
12.660
37.756
12.951
Administraci\u00f3n Central
103.104
46.614
12.324
31.477
12.689
Resto
22.207
15.330
336
6.279
262
Otras instituciones financieras
48.236
14.727
11.575
15.640
6.294
Sociedades no financieras y empresarios individuales
202.708
74.560
23.783
60.245
44.120
Construcci\u00f3n y promoci\u00f3n inmobiliaria
8.182
3.384
202
1.899
2.697
Construcci\u00f3n de obra civil
10.385
5.275
1.349
1.183
2.578
Resto de finalidades
184.141
65.901
22.232
57.163
38.845
Grandes empresas
125.847
39.272
21.610
37.904
27.061
Pymes y empresarios individuales
58.294
26.629
622
19.259
11.784
Resto de hogares e ISFLSH
138.544
88.633
2.882
36.690
10.339
Viviendas
94.098
73.383
1.747
16.262
2.706
Consumo
39.442
12.117
719
19.264
7.342
Otros fines
5.004
3.133
416
1.164
291
TOTAL
655.093
284.151
79.955
190.228
100.759
(1) La definici\u00f3n de riesgo a efectos de este estado incluye las siguientes partidas del balance p\u00fablico: \u201cPr\u00e9stamos y anticipos\u201d, \u201cValores representativos de deuda\u201d, \u201cInstrumentos
de patrimonio\u201d, \u201cDerivados\u201d (mantenidos para negociar y de cobertura), \u201cInversiones en dependientes, negocios conjuntos y asociadas\u201d y \u201cGarant\u00edas concedidas\u201d. Los importes
reflejados en este cuadro se presentan despu\u00e9s de deducir las correcciones de valor efectuadas.
Este Anexo forma parte integrante de la Nota 7.2.7 de las Cuentas Anuales consolidadas al ejercicio 2022.
ANEXO XII. Informaci\u00f3n adicional sobre concentraci\u00f3n de riesgosExposici\u00f3n al riesgo soberano
A continuaci\u00f3n se presenta, a 31 de diciembre de 2022, 2021 y 2020 el desglose de la exposici\u00f3n de los activos financieros al riesgo
soberano sin considerar los derivados, instrumentos de patrimonio, compromisos y garant\u00edas concedidos seg\u00fan el tipo de
contraparte en cada uno de los pa\u00edses, atendiendo a la residencia de la contraparte, y sin tener en cuenta los ajustes por valoraci\u00f3n ni
las correcciones de valor constituidas al efecto:
Exposici\u00f3n por pa\u00edses (Millones de euros)
Riesgo soberano
2022
2021
2020
Espa\u00f1a
53.437
52.927
60.916
Italia
12.287
13.720
10.270
Turqu\u00eda
9.934
5.868
7.578
Portugal
670
697
1.067
Alemania
254
212
342
Francia
148
124
108
Pa\u00edses Bajos
14
3
\u2014
Ruman\u00eda
539
461
459
Resto de Europa
1.188
522
244
Subtotal Europa
78.470
74.534
80.984
M\u00e9xico
37.274
34.872
31.237
Estados Unidos
4.989
1.841
14.217
Colombia
2.688
2.676
1.466
Per\u00fa
1.108
805
1.539
Argentina
1.246
850
706
Venezuela
\u2014
\u2014
21
Resto de pa\u00edses
3.726
5.871
5.559
Subtotal resto de pa\u00edses
51.031
46.915
54.746
Total riesgo en instrumentos financieros
129.501
121.449
135.729
La informaci\u00f3n relativa al riesgo de la cartera hipotecaria minorista (adquisici\u00f3n de vivienda) a 31 de diciembre de 2022, 2021 y 2020
se muestra en los siguientes cuadros:
Financiaciones realizadas por las entidades de cr\u00e9dito a la construcci\u00f3n, promoci\u00f3n inmobiliaria y adquisici\u00f3n de
viviendas. (Millones de euros)
Importe en libros bruto
De las cuales: dudosos
2022
2021
2020
2022
2021
2020
Pr\u00e9stamos para adquisici\u00f3n de vivienda
71.799
74.094
74.689
2.486
2.748
2.841
Sin hipoteca inmobiliaria
1.539
1.631
1.693
8
13
20
Con hipoteca inmobiliaria
70.260
72.463
72.996
2.477
2.735
2.821
A continuaci\u00f3n se muestra, para la cartera de cuadro anterior, la informaci\u00f3n del ratio \u201cLoan to value\u201d:
LTV en cr\u00e9ditos con hipoteca inmobiliaria a hogares para adquisici\u00f3n de vivienda (negocios en Espa\u00f1a) (Millones de euros)
Riesgo total sobre importe de \u00faltima tasaci\u00f3n disponible (Loan to value-LTV)
Inferior o
igual al
40%
Superior al 40
% e inferior o
igual al 60 %
Superior al 60
% e inferior o
igual al 80 %
Superior al 80
% e inferior o
igual al 100 %
Superior
al 100 %
Total
Importe bruto Diciembre 2022
16.981
20.060
22.255
6.794
4.171
70.260
Del cual: Dudosos
248
341
438
450
999
2.477
Importe bruto Diciembre 2021
15.189
18.107
22.782
9.935
6.449
72.463
Del cual: Dudosos
216
327
462
483
1.246
2.735
Importe bruto Diciembre 2020
15.197
18.891
20.716
10.624
7.568
72.996
Del cual: Dudosos
170
294
426
470
1.461
2.821
A 31 de diciembre de 2022, 2021 y 2020, el Grupo manten\u00eda un total de 539, 654 y 913 millones de euros, respectivamente, en activos
inmobiliarios a valor bruto contable, procedentes de financiaciones a empresas de construcci\u00f3n y promoci\u00f3n inmobiliarias con una
cobertura media del 72,2 %, 62,2 % y 53,2 %, respectivamente.
Los activos inmobiliarios procedentes de financiaciones hipotecarias a hogares para la adquisici\u00f3n de vivienda ascend\u00edan a un valor
bruto contable a 31 de diciembre de 2022, 2021 y 2020, de 736, 970 y 1.128 millones de euros con una cobertura media del 55,6 %,
53,6 % y 52,6 %.
A 31 de diciembre de 2022, 2021 y 2020, el importe total de los activos inmobiliarios en balance del Grupo (negocios en Espa\u00f1a),
incluyendo el resto de activos inmobiliarios recibidos en pago de deudas, ascend\u00eda a un valor bruto contable de 1.725, 2118 y 2522
millones de euros, con una cobertura media del 62,0 %, 56,2 % y 53,1 % respectivamente.
Este Anexo forma parte integrante de la Nota 7 de las Cuentas Anuales consolidadas correspondientes al ejercicio 2022.
Concentraci\u00f3n de riesgos por geograf\u00edas
A continuaci\u00f3n se presenta el desglose de los saldos de los instrumentos financieros que figuran registrados en los balances consolidados adjuntos, seg\u00fan su concentraci\u00f3n por \u00e1reas geogr\u00e1ficas,
atendiendo a la residencia del cliente o de la contraparte y sin tener en cuenta correcciones de valor constituidas al efecto a 31 de diciembre de 2022, 2021 y 2020:
Riesgos por \u00e1reas geogr\u00e1ficas. Diciembre 2022 (Millones de euros)
Espa\u00f1a
Resto de
Europa
M\u00e9xico
EE.UU.
Turqu\u00eda
Am\u00e9rica
del Sur
Resto
Total
Derivados
5.222
20.494
1.824
7.679
128
3.493
1.068
39.908
Instrumentos de patrimonio (1)
1.342
3.068
5.012
2.026
145
225
294
12.113
Valores representativos de deuda
43.049
20.200
33.322
7.863
9.366
8.372
4.814
126.985
Bancos centrales
\u2014
16
\u2014
\u2014
\u2014
3.839
89
3.944
Administraciones p\u00fablicas
41.114
13.755
30.973
4.989
9.345
3.448
3.044
106.668
Entidades de cr\u00e9dito
1.153
2.433
1.341
119
14
266
452
5.778
Otras sociedades financieras
433
1.696
297
1.042
3
561
212
4.245
Sociedades no financieras
349
2.299
711
1.712
5
257
1.017
6.350
Pr\u00e9stamos y anticipos
176.212
65.763
77.840
12.508
42.080
46.451
11.157
432.011
Bancos centrales
713
1.060
\u2014
\u2014
3.898
370
10
6.051
Administraciones p\u00fablicas
11.500
269
6.301
\u2014
585
1.771
495
20.922
Entidades de cr\u00e9dito
5.184
27.591
2.546
336
2.457
1.974
1.235
41.323
Otras sociedades financieras
3.688
16.662
1.315
1.814
1.206
1.415
1.307
27.407
Sociedades no financieras
60.459
17.290
32.365
10.325
21.678
21.565
8.008
171.690
Hogares
94.669
2.890
35.312
34
12.255
19.356
101
164.618
Total riesgo en activos financieros
225.825
109.525
117.998
30.077
51.718
58.541
17.333
611.018
Compromisos de pr\u00e9stamo concedidos
35.649
42.532
20.479
14.849
10.628
10.996
1.788
136.920
Garant\u00edas financieras concedidas
3.020
4.372
7
1.397
6.169
1.011
536
16.511
Otros compromisos y otras garant\u00edas concedidos
15.626
8.008
2.723
2.536
4.278
3.207
2.758
39.137
Garant\u00edas y compromisos contingentes
concedidos
54.294
54.912
23.209
18.783
21.074
15.213
5.082
192.568
Total riesgo en instrumentos financieros
280.119
164.437
141.207
48.860
72.793
73.754
22.415
803.585
(1) Los instrumentos de patrimonio se presentan netos de ajustes por valoraci\u00f3n.
Riesgos por \u00e1reas geogr\u00e1ficas. Diciembre 2020 (Millones de euros)
Espa\u00f1a
Resto de
Europa
M\u00e9xico
EE.UU.
Turqu\u00eda
Am\u00e9rica
del Sur
Resto
Total
Derivados
8.419
17.811
2.292
8.350
349
2.162
800
40.183
Instrumentos de patrimonio (1)
2.196
9.627
3.197
925
65
260
420
16.690
Valores representativos de deuda
56.552
18.932
29.392
5.097
7.466
5.907
6.287
129.632
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
2.535
100
2.635
Administraciones p\u00fablicas
48.765
12.320
26.567
2.412
7.449
2.547
4.641
104.701
Entidades de cr\u00e9dito
1.680
2.383
1.542
214
14
205
681
6.718
Otras sociedades financieras
5.466
1.804
404
897
2
439
163
9.175
Sociedades no financieras
641
2.426
879
1.574
\u2014
180
702
6.402
Pr\u00e9stamos y anticipos
168.849
50.691
57.787
8.335
40.373
39.081
9.964
375.080
Bancos centrales
1.301
37
235
204
3.408
1.060
37
6.282
Administraciones p\u00fablicas
12.712
328
4.671
\u2014
181
1.401
732
20.026
Entidades de cr\u00e9dito
644
23.123
2.888
1.477
217
830
3.762
32.940
Otras sociedades financieras
3.742
10.826
2.489
946
1.165
756
723
20.647
Sociedades no financieras
55.314
13.078
22.878
5.670
23.963
18.215
4.573
143.691
Hogares
95.136
3.298
24.626
38
11.439
16.819
137
151.493
Total riesgo en activos financieros
236.016
97.061
92.667
22.706
48.253
47.410
17.471
561.585
Compromisos de pr\u00e9stamo concedidos
35.096
32.327
15.748
33.644
7.691
6.530
1.548
132.584
Garant\u00edas financieras concedidas
850
3.302
24
714
4.415
1.013
348
10.665
Otros compromisos y otras garant\u00edas concedidos
15.474
8.224
1.618
1.922
3.403
2.883
2.666
36.190
Garant\u00edas y compromisos contingentes
concedidos
51.419
43.853
17.391
36.280
15.508
10.425
4.563
179.440
Total riesgo en instrumentos financieros
287.436
140.914
110.058
58.986
63.761
57.836
22.034
741.025
Este Anexo forma parte integrante de la Nota 7.2.8 de las Cuentas Anuales Consolidadas al ejercicio 2022.
ANEXO XIII. Informe bancario anual - Informaci\u00f3n para el cumplimiento del art\u00edculo 89 de
la Directiva 2013/36/UE del Parlamento Europeo y su trasposici\u00f3n al ordenamiento
jur\u00eddico espa\u00f1ol mediante la Ley 10/2014
Diciembre 2022 (Millones de euros)
Pa\u00eds
Pagos de
caja del
impuesto
sociedades
Gasto por
impuesto
sociedades
Beneficio
antes de
impuestos
Margen
bruto
N\u00ba
empleados (1)
Actividad
Sociedad principal
Alemania
19
10
30
45
38
Servicios Bancarios
BBVA, S.A. - Sucursal de
Frankfurt
Argentina
7
(13)
253
1.208
5.421
Servicios Bancarios, Financiera y
Actividad de Seguros
Banco BBVA Argentina S.A.
B\u00e9lgica
\u2014
\u2014
2
5
21
Servicios Bancarios
BBVA S.A. - Sucursal de
Bruselas
Bolivia
3
4
16
32
466
Pensiones
BBVA Previsi\u00f3n AFP S.A.
Brasil
\u2014
1
1
3
\u2014
Financiera
BBVA Brasil Banco de
Investimento, S.A.
Chile
22
6
49
171
767
Financiera
Forum Servicios Financieros,
S.A.
China
\u2014
\u2014
\u2014
5
25
Servicios Bancarios
BBVA S.A. - Sucursal de
Shanghai
Chipre
3
3
12
14
106
Servicios Bancarios
Garanti BBVA AS - Sucursal de
Nicosia
Colombia
123
126
342
1.024
6.623
Servicios Bancarios, Financiera y
Actividad de Seguros
BBVA Colombia S.A.
Cura\u00e7ao
\u2014
\u2014
2
5
15
Servicios Bancarios, Financiera
Banco Provincial Overseas N.V.
Espa\u00f1a
549
496
1.297
6.331
24.875
Servicios Bancarios, Financiera y
Actividad de Seguros
BBVA S.A.
Estados
Unidos
24
18
67
160
347
Servicios Bancarios, Financiera
BBVA, S.A. - Sucursal de Nueva
York
Francia
25
13
51
81
67
Servicios Bancarios
BBVA, S.A. - Sucursal de Par\u00eds
Hong Kong
\u2014
5
34
69
93
Servicios Bancarios
BBVA,S.A. - Sucursal de Hong-
Kong
Italia
11
33
110
84
52
Servicios Bancarios
BBVA, S.A. - Sucursal de Mil\u00e1n
Jap\u00f3n
\u2014
\u2014
(1)
\u2014
4
Servicios Bancarios
BBVA, S.A. - Sucursal de Tokio
Malta
4
3
41
65
14
Servicios Bancarios
Garanti BBVA AS - Sucursal de
la Valeta
M\u00e9xico
1.141
1.492
5.592
10.344
43.500
Servicios Bancarios, Financiera y
Actividad de Seguros
BBVA Mexico, S.A.
Pa\u00edses
Bajos
7
14
53
99
205
Servicios Bancarios, Financiera
Garantibank BBVA International
N.V.
Per\u00fa
222
163
599
1.484
6.516
Servicios Bancarios, Financiera
BBVA Banco Continental S.A.
Portugal
6
(1)
45
103
427
Servicios Bancarios, Financiera
BBVA, S.A. - Sucursal de
Portugal
Reino Unido
15
7
60
130
128
Servicios Bancarios
BBVA, S.A. - Sucursal de
Londres
Ruman\u00eda
9
8
46
123
1.135
Servicios Bancarios, Financiera
Garanti Bank S.A.
Singapur
3
3
20
23
15
Servicios Bancarios
BBVA S.A. - Sucursal de
Singapur
Suiza
5
2
9
46
120
Servicios Bancarios, Financiera
BBVA Suiza S.A.
Taiw\u00e1n
\u2014
1
1
9
12
Servicios Bancarios
BBVA S.A. - Sucursal de Taipei
Turqu\u00eda
948
1.079
1.494
2.885
20.201
Servicios Bancarios, Financiera y
Actividad de Seguros
Garanti BBVA A.S.
Uruguay
18
19
49
183
573
Servicios Bancarios, Financiera
BBVA Uruguay S.A.
Venezuela
2
37
82
157
1.788
Servicios Bancarios, Financiera y
Actividad de Seguros
BBVA Banco Provincial, S.A.
Total
3.166
3.529
10.356
24.890
113.554
(1) N\u00famero de empleados a tiempo completo. No incluye los 39 empleados de las oficinas de representaci\u00f3n.
Los importes de \u201cPagos de caja del impuesto sociedades\u201d se encuentran muy condicionados y derivan fundamentalmente de la
metodolog\u00eda de c\u00e1lculo de los pagos fraccionados previsto en la normativa reguladora del Impuesto sobre Sociedades en las distintas
\u00e1reas geogr\u00e1ficas, produci\u00e9ndose diferencias entre los pagos fraccionados realizados en el a\u00f1o en curso y la devoluci\u00f3n de pagos
fraccionados de ejercicios anteriores que puede resultar una vez presentadas las declaraciones definitivas del Impuesto. A este
respecto, tambi\u00e9n indicar que es normal que existan diferencias entre los importes de \"Pagos de caja del impuesto sociedades\" y
\"Gasto por impuesto de Sociedades\", ya que el impuesto pagado en el ejercicio no est\u00e1 necesariamente relacionado directamente
con el Beneficio antes de impuestos existente en una jurisdicci\u00f3n, sino que tiene en cuenta los pagos (y devoluciones) del impuesto
con respecto a los beneficios obtenidos en ejercicios anteriores, as\u00ed como los pagos fraccionados realizados en el ejercicio en curso y
la retenci\u00f3n de impuestos soportados. Sin embargo, el \"Gasto por impuesto de Sociedades\" para el ejercicio en curso est\u00e1 m\u00e1s
directamente relacionado con el Beneficio antes de impuestos existente para un ejercicio concreto.
Los resultados de las sucursales aqu\u00ed desglosados se integran en las sociedades matrices de las que dependen dentro de los estados
financieros consolidados.
A 31 de diciembre de 2022, el rendimiento de los activos del Grupo, calculado dividiendo el \u201cResultado consolidado del ejercicio\u201d
entre el \u201cTotal de activo\u201d, es de 0,96%.
Durante el a\u00f1o 20221, el Grupo BBVA no ha recibido ayudas p\u00fablicas dirigidas al sector financiero que tengan por objeto promover el
desarrollo de la actividad bancaria y que sean significativas. Esta declaraci\u00f3n se realiza a los efectos de lo establecido en el art\u00edculo 89
de la Directiva 2013/36/UE del Parlamento Europeo y del Consejo de 26 de junio (relativa al acceso a la actividad de las entidades de
cr\u00e9dito y a la supervisi\u00f3n prudencial de las entidades de cr\u00e9dito y las empresas de inversi\u00f3n) y su transposici\u00f3n al ordenamiento
jur\u00eddico espa\u00f1ol mediante la Ley 10/2014 de Ordenaci\u00f3n, Supervisi\u00f3n y Solvencia de Entidades de Cr\u00e9dito de 26 de junio.
", "dimensions": { "concept": "ifrs-full:DisclosureOfNotesAndOtherExplanatoryInformationExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80My9mcmFnOjY1NDhiZjFhNzUxMDRkYWQ4NzIxM2FmMGFjYjljY2Q5L3RleHRyZWdpb246NjU0OGJmMWE3NTEwNGRhZDg3MjEzYWYwYWNiOWNjZDlfNDIzMzExOTc2NzE0Mzk_6cd751f2-c2a0-44e7-bd92-3f587eacebae": { "value": "Introducci\u00f3nBanco Bilbao Vizcaya Argentaria, S.A. (en adelante, el \u201cBanco\u201d, \u201cBBVA\u201d o \u201cBBVA, S.A.\u201d) es una entidad de derecho privado sujeta a la normativa y regulaciones de las entidades bancarias operantes en Espa\u00f1a y desarrolla su actividad por medio de sucursales y agencias distribuidas por todo el territorio nacional, as\u00ed como en el extranjero.", "dimensions": { "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80My9mcmFnOjY1NDhiZjFhNzUxMDRkYWQ4NzIxM2FmMGFjYjljY2Q5L3RleHRyZWdpb246NjU0OGJmMWE3NTEwNGRhZDg3MjEzYWYwYWNiOWNjZDlfNDIzMzExOTc2NzE0MzU_9a92a469-e10d-43c6-90e1-929af2922a58": { "value": "Banco Bilbao Vizcaya Argentaria, S.A. (en adelante, el \u201cBanco\u201d, \u201cBBVA\u201d o \u201cBBVA, S.A.\u201d)
Adicionalmente a las operaciones que lleva a cabo directamente, el Banco es matriz de un grupo de entidades dependientes, negocios
conjuntos y entidades asociadas que se dedican a actividades diversas y que constituyen, junto con \u00e9l, el Grupo BBVA (en adelante, el
\u201cGrupo\u201d o \u201cGrupo BBVA\u201d). Consecuentemente, el Banco est\u00e1 obligado a elaborar, adem\u00e1s de sus propias Cuentas Anuales
individuales, las Cuentas Anuales consolidadas del Grupo.
Las Cuentas Anuales consolidadas del Grupo BBVA correspondientes al ejercicio anual terminado el 31 de diciembre de 2021 fueron
aprobadas por la Junta General de Accionistas del Banco en su reuni\u00f3n celebrada el 18 de marzo de 2022.
Los importes reflejados en las Cuentas Anuales consolidadas adjuntas se presentan en millones de euros, salvo en los casos en los
que es m\u00e1s conveniente utilizar una unidad de menor cuant\u00eda. Por tanto, determinadas partidas que figuran sin saldo en las Cuentas
Anuales consolidadas podr\u00edan presentar alg\u00fan saldo de haberse utilizado unidades menores. Para presentar los importes en millones
de euros, los saldos contables han sido objeto de redondeo; por ello, es posible que los importes que aparezcan en ciertas tablas no
sean la suma aritm\u00e9tica exacta de las cifras que los preceden.
La moneda de presentaci\u00f3n de los estados financieros del Grupo BBVA es el euro, por ello, todos los saldos y transacciones denominados en monedas diferentes al euro se consideran expresados en \u201cmoneda extranjera\u201d.", "dimensions": { "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80My9mcmFnOjY1NDhiZjFhNzUxMDRkYWQ4NzIxM2FmMGFjYjljY2Q5L3RleHRyZWdpb246NjU0OGJmMWE3NTEwNGRhZDg3MjEzYWYwYWNiOWNjZDlfMTkxNQ_5e676ce1-7455-4acf-b93d-ff9e3eda4265": { "value": "Banco Bilbao Vizcaya Argentaria, S.A.", "dimensions": { "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80My9mcmFnOjY1NDhiZjFhNzUxMDRkYWQ4NzIxM2FmMGFjYjljY2Q5L3RleHRyZWdpb246NjU0OGJmMWE3NTEwNGRhZDg3MjEzYWYwYWNiOWNjZDlfMTkxOQ_4bfac522-8729-4893-81dd-c98c8ae1718a": { "value": "S.A", "dimensions": { "concept": "ifrs-full:LegalFormOfEntity", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80My9mcmFnOjY1NDhiZjFhNzUxMDRkYWQ4NzIxM2FmMGFjYjljY2Q5L3RleHRyZWdpb246NjU0OGJmMWE3NTEwNGRhZDg3MjEzYWYwYWNiOWNjZDlfMTkxNg_c54fa69b-6772-486f-8ce5-0d5981629160": { "value": "Espa\u00f1a", "dimensions": { "concept": "ifrs-full:PrincipalPlaceOfBusiness", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80My9mcmFnOjY1NDhiZjFhNzUxMDRkYWQ4NzIxM2FmMGFjYjljY2Q5L3RleHRyZWdpb246NjU0OGJmMWE3NTEwNGRhZDg3MjEzYWYwYWNiOWNjZDlfMTkyMA_26e2a5f4-fc16-4710-9b97-d178d32e82cb": { "value": "Plaza San Nicol\u00e1s, 4, Bilbao", "dimensions": { "concept": "ifrs-full:DomicileOfEntity", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80My9mcmFnOjY1NDhiZjFhNzUxMDRkYWQ4NzIxM2FmMGFjYjljY2Q5L3RleHRyZWdpb246NjU0OGJmMWE3NTEwNGRhZDg3MjEzYWYwYWNiOWNjZDlfMTkxMw_242ad0e0-8cf9-44c2-9857-b11c73f03591": { "value": "Bilbao", "dimensions": { "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80My9mcmFnOjY1NDhiZjFhNzUxMDRkYWQ4NzIxM2FmMGFjYjljY2Q5L3RleHRyZWdpb246NjU0OGJmMWE3NTEwNGRhZDg3MjEzYWYwYWNiOWNjZDlfMTkxNw_2360de1a-c359-4afe-9190-7b2444e2fe69": { "value": "Grupo BBVA", "dimensions": { "concept": "ifrs-full:NameOfParentEntity", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80My9mcmFnOjY1NDhiZjFhNzUxMDRkYWQ4NzIxM2FmMGFjYjljY2Q5L3RleHRyZWdpb246NjU0OGJmMWE3NTEwNGRhZDg3MjEzYWYwYWNiOWNjZDlfMTkxOA_1264b7c7-c568-4db4-b6f8-c915aafc6a1f": { "value": "Grupo BBVA", "dimensions": { "concept": "ifrs-full:NameOfUltimateParentOfGroup", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80My9mcmFnOjY1NDhiZjFhNzUxMDRkYWQ4NzIxM2FmMGFjYjljY2Q5L3RleHRyZWdpb246NjU0OGJmMWE3NTEwNGRhZDg3MjEzYWYwYWNiOWNjZDlfNDIzMzExOTc2NzE0MzQ_daf3c3cf-6a1e-4d7d-baea-5c1698084a83": { "value": "
Las Cuentas Anuales consolidadas del Grupo BBVA correspondientes al ejercicio anual terminado el 31 de diciembre de 2021 fueron
aprobadas por la Junta General de Accionistas del Banco en su reuni\u00f3n celebrada el 18 de marzo de 2022.
Las Cuentas Anuales consolidadas del Grupo BBVA y las Cuentas Anuales individuales del Banco y las de la casi totalidad de las
restantes entidades integradas en el Grupo, correspondientes al ejercicio anual terminado el 31 de diciembre de 2022, se encuentran
pendientes de aprobaci\u00f3n en su caso, por sus respectivas Juntas Generales de Accionistas. No obstante, el Consejo de
Administraci\u00f3n del Banco entiende que dichas Cuentas Anuales ser\u00e1n aprobadas sin cambios.
", "dimensions": { "concept": "ifrs-full:DisclosureOfAuthorisationOfFinancialStatementsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80Ni9mcmFnOmVjYTk1Y2NhMDc5MjRlYjU4N2M0OWQyOWYzYmJkOWM4L3RleHRyZWdpb246ZWNhOTVjY2EwNzkyNGViNTg3YzQ5ZDI5ZjNiYmQ5YzhfNDIzMzExOTc2NzIyMTQ_cab72897-180f-4cc1-81e9-8325c471c27a": { "value": "Bases de presentaci\u00f3n de las Cuentas Anuales consolidadas
Las Cuentas Anuales consolidadas del Grupo BBVA se presentan de acuerdo con lo establecido por las Normas Internacionales de
Informaci\u00f3n Financiera adoptadas por la Uni\u00f3n Europea (en adelante, \u201cNIIF-UE\u201d) de aplicaci\u00f3n a 31 de diciembre de 2022, teniendo
en consideraci\u00f3n la Circular 4/2017 de Banco de Espa\u00f1a, as\u00ed como sus sucesivas modificaciones, y las dem\u00e1s disposiciones del
marco normativo de informaci\u00f3n financiera que resultan de aplicaci\u00f3n y con los requerimientos de formato y marcado establecidos
en el Reglamento Delegado UE 2019/815 de la Comisi\u00f3n Europea.
Las Cuentas Anuales consolidadas del Grupo BBVA correspondientes al ejercicio anual terminado el 31 de diciembre de 2022, han
sido formuladas por los Administradores del Banco (en la reuni\u00f3n de su Consejo de Administraci\u00f3n celebrada el d\u00eda 9 de febrero de
2023) aplicando los criterios de consolidaci\u00f3n y los principios y pol\u00edticas contables y criterios de valoraci\u00f3n descritos en la Nota 2, de
forma que muestran la imagen fiel del patrimonio consolidado y de la situaci\u00f3n financiera consolidada del Grupo a 31 de diciembre de
2022 y de los resultados consolidados de sus operaciones y de sus flujos de efectivo consolidados generados durante el ejercicio
anual terminado en esa fecha.
Dichas Cuentas Anuales consolidadas han sido elaboradas a partir de los registros de contabilidad mantenidos por el Banco y por
cada una de las restantes entidades integradas en el Grupo, e incluyen los ajustes y reclasificaciones necesarios para homogeneizar
las pol\u00edticas contables y criterios de valoraci\u00f3n aplicados por el Grupo (ver Nota 2.2).
No existe ning\u00fan principio contable o criterio de valoraci\u00f3n de aplicaci\u00f3n obligatoria que, teniendo un efecto significativo en las
Cuentas Anuales consolidadas, haya dejado de aplicarse en su elaboraci\u00f3n.
Los importes reflejados en las Cuentas Anuales consolidadas adjuntas se presentan en millones de euros, salvo en los casos en los
que es m\u00e1s conveniente utilizar una unidad de menor cuant\u00eda. Por tanto, determinadas partidas que figuran sin saldo en las Cuentas
Anuales consolidadas podr\u00edan presentar alg\u00fan saldo de haberse utilizado unidades menores. Para presentar los importes en millones
de euros, los saldos contables han sido objeto de redondeo; por ello, es posible que los importes que aparezcan en ciertas tablas no
sean la suma aritm\u00e9tica exacta de las cifras que los preceden.
Las variaciones porcentuales de las magnitudes a las que se refieren se han determinado utilizando en los c\u00e1lculos saldos expresados
en miles de euros.
", "dimensions": { "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80Ni9mcmFnOmVjYTk1Y2NhMDc5MjRlYjU4N2M0OWQyOWYzYmJkOWM4L3RleHRyZWdpb246ZWNhOTVjY2EwNzkyNGViNTg3YzQ5ZDI5ZjNiYmQ5YzhfNDM0MzA3MDkyOTk5ODg_250bd5f0-d7a8-4c0c-995a-f8e59f8d051a": { "value": "Bases de presentaci\u00f3n de las Cuentas Anuales consolidadas
Las Cuentas Anuales consolidadas del Grupo BBVA se presentan de acuerdo con lo establecido por las Normas Internacionales de
Informaci\u00f3n Financiera adoptadas por la Uni\u00f3n Europea (en adelante, \u201cNIIF-UE\u201d) de aplicaci\u00f3n a 31 de diciembre de 2022, teniendo
en consideraci\u00f3n la Circular 4/2017 de Banco de Espa\u00f1a, as\u00ed como sus sucesivas modificaciones, y las dem\u00e1s disposiciones del
marco normativo de informaci\u00f3n financiera que resultan de aplicaci\u00f3n y con los requerimientos de formato y marcado establecidos
en el Reglamento Delegado UE 2019/815 de la Comisi\u00f3n Europea.
", "dimensions": { "concept": "ifrs-full:StatementOfIFRSCompliance", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80Ni9mcmFnOmVjYTk1Y2NhMDc5MjRlYjU4N2M0OWQyOWYzYmJkOWM4L3RleHRyZWdpb246ZWNhOTVjY2EwNzkyNGViNTg3YzQ5ZDI5ZjNiYmQ5YzhfMjYwOA_74785576-4f29-4248-ba9d-14586b6fe10a": { "value": "Espa\u00f1a", "dimensions": { "concept": "ifrs-full:CountryOfIncorporation", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81OC9mcmFnOmE4NzQ1M2M0ZThjMDQzOTk4ZjY2OGZlNTNjNzUwM2JiL3RleHRyZWdpb246YTg3NDUzYzRlOGMwNDM5OThmNjY4ZmU1M2M3NTAzYmJfNDIzMzExOTc2NzMyNzQ_e135124c-8892-46cd-8799-7f0dbc60c84c": { "value": "Responsabilidad de la informaci\u00f3n y estimaciones realizadas
La informaci\u00f3n contenida en las Cuentas Anuales consolidadas del Grupo BBVA es responsabilidad de los Administradores del Banco.
En la elaboraci\u00f3n de las Cuentas Anuales consolidadas, en ocasiones, es preciso realizar estimaciones para determinar el importe por
el que deben ser registrados algunos activos, pasivos, ingresos, gastos y compromisos. Estas estimaciones se refieren
principalmente a:
\u2013Las correcciones de valor de determinados activos financieros (ver Notas 7, 13, 14 y 16).
\u2013Las hip\u00f3tesis empleadas para cuantificar ciertas provisiones (ver Notas 23 y 24) y en el c\u00e1lculo actuarial de los pasivos y
compromisos por retribuciones post-empleo y otras obligaciones (ver Nota 25).
\u2013La vida \u00fatil y las p\u00e9rdidas por deterioro de los activos tangibles e intangibles (ver Notas 17, 18 y 21).
\u2013La valoraci\u00f3n de los fondos de comercio y la asignaci\u00f3n del precio pagado en combinaciones de negocio (ver Nota 18).
\u2013El valor razonable de determinados activos y pasivos financieros no cotizados (ver Notas 7, 8, 10, 11, 12, 13 y 15).
\u2013La recuperabilidad de los activos por impuestos diferidos (ver Nota 19).
La mayor incertidumbre macroecon\u00f3mica y geopol\u00edtica (ver Nota 7.1) implica una mayor complejidad a la hora de desarrollar
estimaciones confiables y aplicar juicio. Por tanto, las estimaciones se realizaron en funci\u00f3n de la mejor informaci\u00f3n disponible a 31
de diciembre de 2022 sobre los hechos analizados. Sin embargo, es posible que acontecimientos que puedan tener lugar en el futuro
obliguen a modificar dichas estimaciones (al alza o a la baja), lo que se har\u00eda, conforme a la normativa aplicable, de forma prospectiva,
reconociendo los efectos del cambio de estimaci\u00f3n en los estados financieros consolidados.
Durante el ejercicio 2022 no se han producido otros cambios significativos en las estimaciones realizadas a 31 de diciembre de 2021 y
2020, distintos de los indicados en estas Cuentas Anuales consolidadas.
", "dimensions": { "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV82Ny9mcmFnOjE2ZDAyMzEzMmU1NDQ5ZjU5N2U0ZmNhYjZkNWM2YTZmL3RleHRyZWdpb246MTZkMDIzMTMyZTU0NDlmNTk3ZTRmY2FiNmQ1YzZhNmZfNDIzMzExOTc2ODAzNDg_f7d2483c-c249-44a0-8ae1-3280839405cc": { "value": "Criterios de consolidaci\u00f3n
A efectos de su consolidaci\u00f3n, y siguiendo los criterios establecidos por las NIIF-UE, en el Grupo BBVA se integran, adem\u00e1s del
Banco, cuatro tipos de sociedades: entidades dependientes, negocios conjuntos, entidades asociadas y entidades estructuradas, que
se definen a continuaci\u00f3n:
\u2013Entidades dependientes
Las entidades dependientes son aquellas sobre las que el Grupo tiene el control (ver definici\u00f3n en el Glosario). Los estados
financieros de las entidades dependientes se consolidan con los del Banco. La participaci\u00f3n de los accionistas minoritarios
de las sociedades dependientes en el patrimonio neto consolidado del Grupo se presenta en el cap\u00edtulo \u201cIntereses
minoritarios \u2013 Participaciones no dominantes\u201d del balance consolidado y su participaci\u00f3n en los resultados del periodo o
ejercicio se presenta en el ep\u00edgrafe \u201cResultado del ejercicio - Atribuible a intereses minoritarios (participaciones no
dominantes)\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota 31).
En la Nota 3 se facilita informaci\u00f3n sobre las principales entidades dependientes del Grupo a 31 de diciembre de 2022 y, en
el Anexo I, se muestra la relaci\u00f3n de las sociedades del Grupo con sus principales m\u00e9tricas.
\u2013Negocios conjuntos
Son aquellas entidades sobre las que se tienen acuerdos de control conjunto con terceros distintos del Grupo (ver
definiciones sobre acuerdos conjuntos, control conjunto y negocios conjuntos en el Glosario).
Las participaciones en negocios conjuntos se valoran por aplicaci\u00f3n del m\u00e9todo de la participaci\u00f3n (ver Nota 16). En el
Anexo II se incluyen las principales magnitudes de los negocios conjuntos del Grupo a 31 de diciembre de 2022.
\u2013Entidades asociadas
Las entidades asociadas son aquellas en las que el Grupo posee influencia significativa (ver definici\u00f3n de influencia
significativa en el Glosario). Se presume que existe influencia significativa cuando se posee, directa o indirectamente, el
20% o m\u00e1s de los derechos de voto de la entidad participada, salvo que pueda demostrarse claramente que tal influencia
no existe.
Existen ciertas inversiones en entidades en las que, aunque el Grupo posee un 20% o m\u00e1s de sus derechos de voto, no se
consideran entidades asociadas porque \u00e9ste carece de capacidad para ejercer una influencia significativa sobre las mismas.
Dichas inversiones, que no constituyen importes significativos para el Grupo, se han tratado como \u201cActivos financieros a
valor razonable con cambios en otro resultado global\u201d o \u201cActivos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados\u201d.
Por otro lado, existen ciertas entidades en las que, aunque el Grupo posee menos del 20% de sus derechos de voto, se
considera que son entidades asociadas debido a que el Grupo tiene capacidad para ejercer una influencia significativa sobre
ellas. A 31 de diciembre de 2022, dichas entidades no son significativas en el Grupo.
Las entidades asociadas se valoran por el m\u00e9todo de la participaci\u00f3n (ver Nota 16) y, en el Anexo II, se muestran las
principales magnitudes de estas entidades.
\u2013Entidades estructuradas
Una entidad estructurada es una entidad que ha sido dise\u00f1ada de modo que los derechos de voto u otros derechos
similares no sean el factor primordial a la hora de decidir qui\u00e9n controla dicha entidad; por ejemplo en el caso en que los
derechos de voto se refieran s\u00f3lo a tareas administrativas y las actividades relevantes se gestionen a trav\u00e9s de acuerdos
contractuales (ver Glosario).
En aquellos casos en los que el Grupo constituye entidades o participa en ellas, con el objeto de permitir el acceso a los
clientes a determinadas inversiones o para la transmisi\u00f3n de riesgos u otros fines, se determina, de acuerdo con criterios y
procedimientos internos y considerando lo establecido en la normativa de referencia, si existe control sobre la entidad
participada y, por tanto, si \u00e9sta debe ser o no objeto de consolidaci\u00f3n.
Dichos m\u00e9todos y procedimientos determinan si hay control considerando c\u00f3mo se toman las decisiones sobre las
actividades relevantes, evaluando si el Grupo tiene el poder sobre las actividades relevantes, si se encuentra expuesto a
variabilidad en los retornos que recibe de la participaci\u00f3n y si tiene la capacidad de afectar a esos retornos a trav\u00e9s de su
poder sobre la inversi\u00f3n.
\u2013 Entidades estructuradas consolidables
Con el objeto de determinar si existe control sobre una entidad estructurada y, por tanto, si se debe consolidar en
el Grupo, se analizan los derechos contractuales existentes distintos de los derechos de voto. Para ello, se
considera el dise\u00f1o y prop\u00f3sito de cada entidad as\u00ed como, entre otros, los siguientes factores:
a.Evidencia de la habilidad pr\u00e1ctica para dirigir las actividades relevantes de la entidad de acuerdo con sus
necesidades espec\u00edficas de negocio (incluyendo las decisiones que pueden surgir s\u00f3lo en circunstancias
particulares).
b.Posible existencia de relaciones especiales con la entidad.
c.Compromisos impl\u00edcitos o expl\u00edcitos del Grupo para respaldar a la entidad.
d.Si el Grupo tiene la capacidad de utilizar su poder sobre la entidad para influir en el importe de los
rendimientos a los que se encuentra expuesto.
En este tipo de entidades se incluyen casos en los que el Grupo tiene una exposici\u00f3n alta a los rendimientos
variables existentes y mantiene el poder de decisi\u00f3n sobre la entidad, bien de forma directa o a trav\u00e9s de un
agente.
Las principales entidades estructuradas del Grupo son los denominados \u201cFondos de titulizaci\u00f3n de activos\u201d, a los
que las entidades del Grupo BBVA transfieren carteras de pr\u00e9stamos y anticipos y otros veh\u00edculos cuyo objeto es
permitir el acceso de los clientes del Grupo a determinadas inversiones o la transmisi\u00f3n de riesgos u otros fines
(ver Anexo I y Anexo V). En todas ellas, el Grupo mantiene la facultad de decisi\u00f3n sobre las actividades relevantes
y se han instrumentalizado con apoyos financieros recogidos contractualmente que son de uso com\u00fan en el
mercado de titulizaciones. Las m\u00e1s comunes son: posiciones inversoras en tramos equity de las notas; existencia
de financiaci\u00f3n subordinada; concesi\u00f3n de mejoras crediticias a trav\u00e9s de instrumentos derivados o l\u00edneas de
liquidez; derechos de gesti\u00f3n de los activos titulizados impagados; existencia de derivados clean-up call; y
existencia de cl\u00e1usulas de recompra de activos por parte de la entidad cedente.
Por todo ello, en la pr\u00e1ctica totalidad de las titulizaciones realizadas por el Banco o sociedades dependientes del
Grupo BBVA se considera que los pr\u00e9stamos no pueden ser dados de baja del balance del banco matriz o
sociedades dependientes y las emisiones de los fondos de titulizaci\u00f3n se registran como pasivos dentro del
balance consolidado del Grupo.
Para m\u00e1s informaci\u00f3n relativa al tratamiento contable de transferencias y bajas de balance de activos financieros,
v\u00e9ase Nota 2.2.2 \u201cTransferencias y bajas de balance de activos y pasivos financieros\u201d.
\u2013Entidades estructuradas no consolidables
El Grupo constituye otros veh\u00edculos con el objeto de permitir el acceso a sus clientes a determinadas inversiones o
para la transmisi\u00f3n de riesgos u otros fines, sobre los cuales el Grupo no mantiene el control ni cumple los
criterios para su consolidaci\u00f3n conforme se definen en la NIIF 10 \u201cEstados financieros consolidados\u201d, por lo que
no se consolidan. El importe de los activos y pasivos de dichos veh\u00edculos no es significativo en relaci\u00f3n a los
estados financieros consolidados del Grupo.
A 31 de diciembre de 2022, no exist\u00eda ning\u00fan apoyo financiero significativo del Banco u otras entidades
dependientes a entidades estructuradas no consolidadas.
El Grupo no consolida ninguno de los fondos de inversi\u00f3n que gestiona ya que no se cumplen las condiciones de
control sobre los mismos. En concreto, el Grupo BBVA no act\u00faa como principal sino como agente, ya que lo hace
en nombre y a beneficio de los inversores o partes (el principal o principales) y, por ello no controla los fondos
cuando ejerce su autoridad para tomar decisiones.
Asimismo, los fondos de inversi\u00f3n gestionados por el Grupo tampoco son considerados entidades estructuradas
(por lo general, fondos minoristas sin personalidad jur\u00eddica sobre los que los inversores adquieren unidades
al\u00edcuotas que les confieren la propiedad del patrimonio gestionado). Estos fondos no dependen de una estructura
de capital que les pudiese llegar a impedir realizar sus actividades sin apoyo financiero adicional, siendo en todo
caso autosuficientes en lo que a sus actividades se refiere. Adicionalmente, el riesgo de la inversi\u00f3n es
directamente asumido por los part\u00edcipes de los fondos, exponiendo \u00fanicamente al Grupo cuando \u00e9l mismo toma
participaci\u00f3n en los fondos, es decir, cuando act\u00faa como \u201cpart\u00edcipe\u201d, sin que exista ning\u00fan otro tipo de riesgo para
el Grupo.
En todos los casos, la consolidaci\u00f3n de los resultados generados por las sociedades que se integran en el Grupo BBVA en un ejercicio
se realiza tomando en consideraci\u00f3n, \u00fanicamente, los resultados correspondientes al periodo comprendido entre la fecha de
adquisici\u00f3n y el cierre de ese ejercicio. Del mismo modo, la consolidaci\u00f3n de los resultados generados por las sociedades enajenadas
en un ejercicio se realiza tomando en consideraci\u00f3n, \u00fanicamente, los resultados relativos al periodo comprendido entre el inicio del
ejercicio y la fecha de enajenaci\u00f3n.
Los estados financieros de las entidades dependientes, asociadas y negocios conjuntos utilizados para la elaboraci\u00f3n de los estados
financieros consolidados del Grupo se refieren a las mismas fechas de presentaci\u00f3n a las que se refieren los estados financieros
consolidados. En el caso de que no se dispongan de los estados financieros a esas mismas fechas se utilizan los m\u00e1s recientes, con
una antig\u00fcedad no superior a tres meses, ajustados, en su caso, para tener en cuenta las transacciones m\u00e1s significativas realizadas
hasta la fecha de los estados financieros consolidados del Grupo. A 31 de diciembre de 2022, se dispon\u00eda de los estados financieros
de todas las entidades del Grupo a dicha fecha, salvo de cinco entidades asociadas no significativas de las que se dispon\u00edan los
estados financieros a 30 de noviembre de 2022.
Estados financieros individuales
Los estados financieros individuales de la sociedad matriz del Grupo se elaboran aplicando la normativa espa\u00f1ola (Circular 4/2017 de
Banco de Espa\u00f1a, as\u00ed como sus sucesivas modificaciones; y dem\u00e1s disposiciones del marco normativo de informaci\u00f3n financiera
aplicable al Banco). El Banco utiliza el m\u00e9todo de coste para contabilizar en sus estados financieros individuales su inversi\u00f3n en
entidades dependientes, asociadas y negocios conjuntos, tal y como contempla la mencionada Circular 4/2017.
Los estados financieros individuales de BBVA, S.A. a 31 de diciembre de 2022 y 2021 se muestran en el Anexo IX.
", "dimensions": { "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV82Ny9mcmFnOjE2ZDAyMzEzMmU1NDQ5ZjU5N2U0ZmNhYjZkNWM2YTZmL3RleHRyZWdpb246MTZkMDIzMTMyZTU0NDlmNTk3ZTRmY2FiNmQ1YzZhNmZfNDIzMzExOTc2ODAzNTE_c48dadb7-fd3e-46cf-9984-af29148827da": { "value": "Entidades dependientes
Las entidades dependientes son aquellas sobre las que el Grupo tiene el control (ver definici\u00f3n en el Glosario). Los estados
financieros de las entidades dependientes se consolidan con los del Banco. La participaci\u00f3n de los accionistas minoritarios
de las sociedades dependientes en el patrimonio neto consolidado del Grupo se presenta en el cap\u00edtulo \u201cIntereses
minoritarios \u2013 Participaciones no dominantes\u201d del balance consolidado y su participaci\u00f3n en los resultados del periodo o
ejercicio se presenta en el ep\u00edgrafe \u201cResultado del ejercicio - Atribuible a intereses minoritarios (participaciones no
dominantes)\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota 31).
En la Nota 3 se facilita informaci\u00f3n sobre las principales entidades dependientes del Grupo a 31 de diciembre de 2022 y, en
el Anexo I, se muestra la relaci\u00f3n de las sociedades del Grupo con sus principales m\u00e9tricas.
", "dimensions": { "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV82Ny9mcmFnOjE2ZDAyMzEzMmU1NDQ5ZjU5N2U0ZmNhYjZkNWM2YTZmL3RleHRyZWdpb246MTZkMDIzMTMyZTU0NDlmNTk3ZTRmY2FiNmQ1YzZhNmZfNDIzMzExOTc2ODAzNDk_768c75b8-3788-4bfd-a939-f5ef95c3293d": { "value": "Negocios conjuntos
Son aquellas entidades sobre las que se tienen acuerdos de control conjunto con terceros distintos del Grupo (ver
definiciones sobre acuerdos conjuntos, control conjunto y negocios conjuntos en el Glosario).
Las participaciones en negocios conjuntos se valoran por aplicaci\u00f3n del m\u00e9todo de la participaci\u00f3n (ver Nota 16). En el
Anexo II se incluyen las principales magnitudes de los negocios conjuntos del Grupo a 31 de diciembre de 2022.
\u2013Entidades asociadas
Las entidades asociadas son aquellas en las que el Grupo posee influencia significativa (ver definici\u00f3n de influencia
significativa en el Glosario). Se presume que existe influencia significativa cuando se posee, directa o indirectamente, el
20% o m\u00e1s de los derechos de voto de la entidad participada, salvo que pueda demostrarse claramente que tal influencia
no existe.
Existen ciertas inversiones en entidades en las que, aunque el Grupo posee un 20% o m\u00e1s de sus derechos de voto, no se
consideran entidades asociadas porque \u00e9ste carece de capacidad para ejercer una influencia significativa sobre las mismas.
Dichas inversiones, que no constituyen importes significativos para el Grupo, se han tratado como \u201cActivos financieros a
valor razonable con cambios en otro resultado global\u201d o \u201cActivos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados\u201d.
Por otro lado, existen ciertas entidades en las que, aunque el Grupo posee menos del 20% de sus derechos de voto, se
considera que son entidades asociadas debido a que el Grupo tiene capacidad para ejercer una influencia significativa sobre
ellas. A 31 de diciembre de 2022, dichas entidades no son significativas en el Grupo.
Las entidades asociadas se valoran por el m\u00e9todo de la participaci\u00f3n (ver Nota 16) y, en el Anexo II, se muestran las
principales magnitudes de estas entidades.
", "dimensions": { "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV82Ny9mcmFnOjE2ZDAyMzEzMmU1NDQ5ZjU5N2U0ZmNhYjZkNWM2YTZmL3RleHRyZWdpb246MTZkMDIzMTMyZTU0NDlmNTk3ZTRmY2FiNmQ1YzZhNmZfNDIzMzExOTc2ODAzNTA_61485dd9-8c75-4ba6-9f0c-3c88171bf5fa": { "value": "Negocios conjuntos
Son aquellas entidades sobre las que se tienen acuerdos de control conjunto con terceros distintos del Grupo (ver
definiciones sobre acuerdos conjuntos, control conjunto y negocios conjuntos en el Glosario).
Las participaciones en negocios conjuntos se valoran por aplicaci\u00f3n del m\u00e9todo de la participaci\u00f3n (ver Nota 16). En el
Anexo II se incluyen las principales magnitudes de los negocios conjuntos del Grupo a 31 de diciembre de 2022.
", "dimensions": { "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsInJointVentures", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV82Ny9mcmFnOjE2ZDAyMzEzMmU1NDQ5ZjU5N2U0ZmNhYjZkNWM2YTZmL3RleHRyZWdpb246MTZkMDIzMTMyZTU0NDlmNTk3ZTRmY2FiNmQ1YzZhNmZfNDIzMzExOTc2ODAzNTY_7f955e82-cb1c-456b-8163-69c3f72592a1": { "value": "Entidades asociadas
Las entidades asociadas son aquellas en las que el Grupo posee influencia significativa (ver definici\u00f3n de influencia
significativa en el Glosario). Se presume que existe influencia significativa cuando se posee, directa o indirectamente, el
20% o m\u00e1s de los derechos de voto de la entidad participada, salvo que pueda demostrarse claramente que tal influencia
no existe.
Existen ciertas inversiones en entidades en las que, aunque el Grupo posee un 20% o m\u00e1s de sus derechos de voto, no se
consideran entidades asociadas porque \u00e9ste carece de capacidad para ejercer una influencia significativa sobre las mismas.
Dichas inversiones, que no constituyen importes significativos para el Grupo, se han tratado como \u201cActivos financieros a
valor razonable con cambios en otro resultado global\u201d o \u201cActivos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados\u201d.
Por otro lado, existen ciertas entidades en las que, aunque el Grupo posee menos del 20% de sus derechos de voto, se
considera que son entidades asociadas debido a que el Grupo tiene capacidad para ejercer una influencia significativa sobre
ellas. A 31 de diciembre de 2022, dichas entidades no son significativas en el Grupo.
Las entidades asociadas se valoran por el m\u00e9todo de la participaci\u00f3n (ver Nota 16) y, en el Anexo II, se muestran las
principales magnitudes de estas entidades.
", "dimensions": { "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV83MC9mcmFnOjY4YjE5YjZkZTcwMTQ2NDA5OGZlZDA5MjA5YzY1MjMwL3RleHRyZWdpb246NjhiMTliNmRlNzAxNDY0MDk4ZmVkMDkyMDljNjUyMzBfNDIzMzExOTc2NzAwMzc_6a080ae0-e64d-43c8-89b8-fe1923c9797a": { "value": "Principios y pol\u00edticas contables y m\u00e9todos de valoraci\u00f3n aplicados
Los principios y pol\u00edticas contables y los m\u00e9todos de valoraci\u00f3n aplicados en la preparaci\u00f3n de los estados financieros consolidados
pueden diferir de los utilizados, a nivel individual, por algunas de las entidades integradas en el Grupo BBVA; raz\u00f3n por la que, en el
proceso de consolidaci\u00f3n, se introducen los ajustes y reclasificaciones necesarios para homogeneizar entre s\u00ed tales principios y
criterios y adecuarlos a las NIIF-UE.
En la elaboraci\u00f3n de las Cuentas Anuales consolidadas adjuntas se han aplicado los siguientes principios y pol\u00edticas contables y
criterios de valoraci\u00f3n:
2.2.1Instrumentos financieros
El 1 de enero de 2018 entr\u00f3 en vigor la NIIF 9 que sustituy\u00f3 a la NIC 39 en relaci\u00f3n a la clasificaci\u00f3n y valoraci\u00f3n de los activos y
pasivos financieros, el deterioro de activos financieros y la contabilidad de coberturas. Sin embargo, el Grupo ha optado por continuar
aplicando la NIC 39 para la contabilizaci\u00f3n de coberturas, tal y como permite la propia NIIF 9.
Clasificaci\u00f3n y valoraci\u00f3n de activos financieros
Clasificaci\u00f3n de activos financieros
La NIIF 9 contiene tres categor\u00edas principales de clasificaci\u00f3n para activos financieros: valorados a coste amortizado, valorados a
valor razonable con cambios en otro resultado global acumulado y valorados a valor razonable con cambios en resultados.
La clasificaci\u00f3n de los instrumentos financieros en una categor\u00eda de coste amortizado o de valor razonable depende del modelo de
negocio con el que la entidad gestiona los activos y de las caracter\u00edsticas contractuales de los flujos de efectivo, com\u00fanmente
conocido como el \"criterio de s\u00f3lo pago de principal e intereses\" (en adelante, \u201cSPPI\u201d por sus siglas en ingl\u00e9s).
La valoraci\u00f3n del modelo de negocio debe reflejar la forma en que el Grupo gestiona los grupos de activos financieros y no depende de
la intenci\u00f3n para un instrumento individual. As\u00ed, en cada entidad del Grupo BBVA existen diferentes modelos de negocio para
gestionar los activos.
Para determinar el modelo de negocio se tienen en cuenta:
\u2013La forma en que se eval\u00faa y reporta el rendimiento del modelo de negocio (y de los activos que forman parte de dicho
modelo de negocio) al personal clave de la entidad.
\u2013Los riesgos, y la forma en que se gestionan, que afectan al rendimiento del modelo de negocio.
\u2013La forma en que se remunera a los gestores de los modelos de negocio.
\u2013La frecuencia, el importe y el calendario de las ventas en ejercicios anteriores, los motivos de dichas ventas y las
expectativas en relaci\u00f3n a ventas futuras.
En este sentido, el Grupo ha establecido pol\u00edticas y ha desarrollado procedimientos en cada una de las \u00e1reas geogr\u00e1ficas para
determinar cu\u00e1ndo las ventas de activos financieros clasificados en la categor\u00eda de coste amortizado se consideran infrecuentes
(incluso siendo significativas), o son poco significativas (incluso siendo frecuentes), para asegurar el cumplimiento de dicho modelo
de negocio.
Asimismo, se considera que las eventuales ventas que se puedan producir por estar cercano el vencimiento del activo financiero, por
raz\u00f3n de haberse producido un incremento del riesgo de cr\u00e9dito, o si fuera necesario por necesidades de liquidez son compatibles
con el modelo de coste amortizado.
En cuanto al test del SPPI, el an\u00e1lisis de los flujos de efectivo tiene como objetivo determinar si los flujos de efectivo contractuales de
los activos se corresponden \u00fanicamente con pagos de principal y de intereses sobre el importe del principal pendiente al inicio de la
transacci\u00f3n, entendiendo por intereses la contraprestaci\u00f3n por el valor temporal del dinero, por el riesgo de cr\u00e9dito asociado al
importe del principal pendiente de cobro durante un periodo concreto, por los costes de financiaci\u00f3n y estructura, m\u00e1s un margen de
ganancia.
Los juicios m\u00e1s significativos empleados por el Grupo en la evaluaci\u00f3n del cumplimiento de las condiciones del test SPPI son los
siguientes:
\u2013Modified time value: en el caso de que un activo financiero contemple un ajuste peri\u00f3dico de tipo de inter\u00e9s pero la
frecuencia de ese ajuste no coincida con el plazo del tipo de inter\u00e9s de referencia (por ejemplo, el tipo de inter\u00e9s se ajusta
cada seis meses al tipo a un a\u00f1o), el Grupo eval\u00faa, en el momento del reconocimiento inicial, este desajuste para
determinar si los flujos de efectivo contractuales (sin descontar) difieren o no significativamente de los flujos de efectivo
(sin descontar) de un activo financiero benchmark que no presentar\u00eda modificaci\u00f3n del valor temporal del dinero. Los
umbrales de tolerancia definidos son un 10% para las diferencias en cada periodo y un 5% para el an\u00e1lisis acumulado a lo
largo de la vida del activo financiero.
\u2013Cl\u00e1usulas contractuales: Las cl\u00e1usulas contractuales que pueden modificar el calendario o el importe de los flujos de
efectivo contractuales son analizadas para comprobar si los flujos de efectivo contractuales que se generar\u00edan durante la
vida del instrumento debido al ejercicio de esa cl\u00e1usula son solamente pagos de principal e intereses sobre el importe del
principal pendiente. Para ello, se analizan los flujos de efectivo contractuales que puedan generarse antes y despu\u00e9s de la
modificaci\u00f3n.
Los principales criterios que se tienen en cuenta en el an\u00e1lisis son:
a.Cl\u00e1usulas de cancelaci\u00f3n anticipada: con car\u00e1cter general, una cl\u00e1usula que permite al deudor prepagar una
deuda cumple las condiciones del test SPPI siempre que el importe a prepagar represente sustancialmente
los importes pendientes de principal e intereses (y puede incluir, adem\u00e1s, una compensaci\u00f3n adicional
razonable por la terminaci\u00f3n anticipada).
b.Instrumentos con tipo de inter\u00e9s referenciados a eventos contingentes:
\u2013Un instrumento cuyo tipo de inter\u00e9s se ajusta al alza si el deudor impaga alguna cuota como
compensaci\u00f3n del mayor riesgo de cr\u00e9dito del cliente cumple con el test SPPI.
\u2013Un instrumento cuyo tipo de inter\u00e9s se ajusta en funci\u00f3n a las ventas o resultados del deudor, o se
ajusta en funci\u00f3n de un determinado \u00edndice o valor burs\u00e1til, no cumple con el test SPPI.
c.Instrumentos perpetuos: en la medida en que pueden considerarse instrumentos con continuas (m\u00faltiples)
opciones de extensi\u00f3n, cumplen el test SPPI si los flujos contractuales lo cumplen. Cuando el emisor puede
diferir el pago de intereses, si con dicho pago se viera afectada su solvencia, cumplir\u00edan el test SPPI si los
intereses diferidos devengan intereses adicionales mientras que si no lo hacen, no cumplir\u00edan el test.
\u2013Instrumentos financieros sin recurso: en el caso de instrumentos de deuda que se reembolsan principalmente con los flujos
de efectivo de activos o proyectos concretos y no existe responsabilidad personal de titular, se eval\u00faan los activos o flujos
de efectivo subyacentes para determinar si los flujos de efectivo contractuales del instrumento consisten efectivamente en
pagos de principal e intereses sobre el importe del principal pendiente.
a.Si sus condiciones contractuales no dan lugar a flujos de efectivo adicionales a los pagos de principal e
intereses sobre el importe del principal pendiente ni a limitaciones a estos pagos, se cumple con el test de
SPPI.
b.Si de forma efectiva el instrumento de deuda representa una inversi\u00f3n en los activos subyacentes y sus flujos
son inconsistentes con principal e intereses (porque dependen del desempe\u00f1o de un negocio), no se cumple
con el test SPPI.
\u2013Contractually linked instruments: se realiza un an\u00e1lisis look-through en el caso de transacciones que se estructuran
mediante la emisi\u00f3n de m\u00faltiples instrumentos financieros formando tramos que crean concentraciones de riesgo de
cr\u00e9dito (ej. titulizaciones) en las que existe un orden de prelaci\u00f3n que especifica c\u00f3mo se asignan los flujos de efectivo
generados por el conjunto subyacente de instrumentos financieros a los distintos tramos. Los tramos de deuda del
instrumento cumplir\u00e1n con el requerimiento de que sus flujos de caja supongan el pago de principal e intereses sobre el
capital pendiente si:
a.Las condiciones contractuales del tramo que se est\u00e1 clasificando (sin examinar el conjunto subyacente de
instrumentos financieros) dan lugar a flujos de efectivo que son solamente pagos de principal e intereses
sobre el importe del principal pendiente;
b.El conjunto subyacente de instrumentos financieros est\u00e1 compuesto por instrumentos que tengan flujos de
efectivo contractuales que sean solo pagos de principal e intereses sobre el importe del principal pendiente, y
c.La exposici\u00f3n al riesgo de cr\u00e9dito correspondiente al tramo que se est\u00e1 clasificando es igual o mejor que la
exposici\u00f3n al riesgo de cr\u00e9dito del conjunto subyacente de instrumentos financieros (por ejemplo, la
calificaci\u00f3n crediticia del tramo es igual o mejor que la que se aplicar\u00eda a un tramo \u00fanico que financiase el
conjunto subyacente de instrumentos financieros).
En todo caso, las condiciones contractuales que, en el momento del reconocimiento inicial, tengan un efecto m\u00ednimo sobre los flujos
de efectivo o dependan de la ocurrencia de eventos excepcionales y muy improbables no impiden el incumplimiento de las
condiciones del test SPPI.
En base a las caracter\u00edsticas anteriores los activos financieros se clasificar\u00e1n y valorar\u00e1n tal y como se describe a continuaci\u00f3n.
Un instrumento financiero de deuda deber\u00e1 valorarse al coste amortizado si se cumplen las dos condiciones siguientes:
\u2013El activo financiero se mantiene en el marco de un modelo de negocio cuyo objetivo es mantener activos financieros para
obtener flujos de efectivo contractuales; y
\u2013las condiciones contractuales del activo financiero dan lugar a flujos de efectivo que son \u00fanicamente pagos de principal e
intereses.
Un instrumento financiero de deuda deber\u00e1 valorarse al valor razonable con cambios en \u201cOtro resultado global\u201d si se cumplen las dos
condiciones siguientes:
\u2013El activo financiero se mantiene en el marco de un modelo de negocio cuyo objetivo se alcanza obteniendo flujos de efectivo
contractuales y vendiendo activos financieros; y
\u2013las condiciones contractuales del activo financiero dan lugar a flujos de efectivo que son \u00fanicamente pagos de principal e
intereses sobre el importe de principal pendiente.
Un instrumento financiero de deuda se clasificar\u00e1 a valor razonable con cambios en resultados siempre que por el modelo de negocio
de la entidad para su gesti\u00f3n o por las caracter\u00edsticas de sus flujos de efectivo contractuales no sea procedente clasificarlo en alguna
de las otras carteras descritas.
En general, los instrumentos financieros de patrimonio se valoran a valor razonable con cambios en resultados. No obstante, el Grupo
podr\u00eda elegir de manera irrevocable, en el momento del reconocimiento inicial, presentar los cambios posteriores del valor razonable
en \u201cotro resultado global\u201d.
Los activos financieros solo se reclasificar\u00e1n cuando el Grupo BBVA decida cambiar el modelo de negocio. En este caso, se
reclasificar\u00e1n todos los activos financieros de dicho modelo de negocio. El cambio en el objetivo del modelo de negocio debe ser
anterior a la fecha de reclasificaci\u00f3n.
Valoraci\u00f3n de activos financieros
Todos los activos financieros se registran inicialmente por su valor razonable, m\u00e1s los costes de transacci\u00f3n que sean directamente
atribuibles a la adquisici\u00f3n o emisi\u00f3n de los instrumentos a excepci\u00f3n de los instrumentos financieros clasificados a valor razonable
con cambios en resultados.
Todas las variaciones en el valor de los activos financieros con causa en el devengo de intereses y conceptos asimilados se registran
en los cap\u00edtulos \u201cIngresos por intereses y otros ingresos similares\u201d o \u201cGastos por intereses\u201d, de la cuenta de p\u00e9rdidas y ganancias
consolidada del ejercicio en el que se produjo el devengo (ver Nota 37), excepto en el caso de los derivados de negociaci\u00f3n que no
forman parte de las coberturas econ\u00f3micas y contables.
Los cambios en las valoraciones que se produzcan con posterioridad al registro inicial por causas distintas de las mencionadas en el
p\u00e1rrafo anterior, se tratan como se describe a continuaci\u00f3n, en funci\u00f3n de las categor\u00edas en las que se encuentran clasificados los
activos financieros.
\u201cActivos financieros mantenidos para negociar\u201d, \u201cActivos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados\u201d y \u201cActivos financieros designados a valor razonable con
cambios en resultados\u201d
En el cap\u00edtulo \u201cActivos financieros mantenidos para negociar\u201d se registrar\u00e1n activos financieros cuyo modelo de negocio tiene como
objetivo generar beneficios a trav\u00e9s de la realizaci\u00f3n de compras y ventas o generar resultados en el corto plazo. Los activos
financieros registrados en el cap\u00edtulo \u201cActivos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable
con cambios en resultados\u201d est\u00e1n asignados a un modelo de negocio cuyo objetivo se alcanza obteniendo flujos de efectivo
contractuales y / o vendiendo activos financieros pero que los flujos de efectivo contractuales no han cumplido con las condiciones
de la prueba del SPPI. En el cap\u00edtulo \u201cActivos financieros designados a valor razonable con cambios en resultados\u201d se clasificar\u00e1n
activos financieros s\u00f3lo cuando tal designaci\u00f3n elimine o reduzca de forma significativa la inconsistencia en la valoraci\u00f3n o en el
reconocimiento que surgir\u00eda de valorar o reconocer los activos en una base diferente.
Los activos registrados en estos cap\u00edtulos de los balances consolidados se valoran con posterioridad a su adquisici\u00f3n a su valor
razonable y las variaciones en su valor (plusval\u00edas o minusval\u00edas y variaciones por diferencias de cambio) se registran, por su importe
neto en su caso, en los cap\u00edtulos \u201cGanancias (p\u00e9rdidas) por activos y pasivos financieros mantenidos para negociar, netas\u201d,
\u201cGanancias (p\u00e9rdidas) por activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable con cambios
en resultados, netas\u201d y \u201cGanancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con cambios en
resultados, netas\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota 41).
\u201cActivos financieros a valor razonable con cambios en otro resultado global\u201d
\u2013 Instrumentos financieros de deuda
Los activos registrados en este cap\u00edtulo de los balances consolidados se valoran a su valor razonable. Esta categor\u00eda de valoraci\u00f3n
implica el reconocimiento de la informaci\u00f3n en la cuenta de resultados como si se tratara de un instrumento valorado a coste
amortizado, mientras que el instrumento se valora a valor razonable en el balance. As\u00ed, tanto los ingresos por intereses de estos
instrumentos como las diferencias de cambio y el deterioro que surjan en su caso, se registran en la cuenta de p\u00e9rdidas y ganancias,
mientras que las variaciones posteriores de su valoraci\u00f3n (plusval\u00edas o minusval\u00edas) se registran transitoriamente (por su importe
neto del correspondiente efecto fiscal) en el ep\u00edgrafe \u201cOtro resultado global acumulado \u2013 Elementos que pueden reclasificarse en
resultados \u2013 Cambios del valor razonable de los instrumentos de deuda valorados a valor razonable con cambios en otro resultado
global\u201d de los balances consolidados (ver Nota 30).
Los importes registrados en los ep\u00edgrafes \u201cOtro resultado global acumulado - Elementos que pueden reclasificarse en resultados -
Cambios del valor razonable de los instrumentos de deuda valorados a valor razonable con cambios en otro resultado global\u201d
contin\u00faan formando parte del patrimonio neto consolidado del Grupo hasta tanto no se produzca la baja en el balance consolidado
del activo en el que tienen su origen o hasta que se determine la existencia de un deterioro en el valor del instrumento financiero. En el
caso de venderse estos activos, los importes se cancelan, con contrapartida en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas) al dar de baja en
cuentas activos y pasivos financieros no valorados a valor razonable con cambios en resultados, netas\u201d de la cuenta de p\u00e9rdidas y
ganancias consolidada (ver Nota 41).
Por otro lado, las p\u00e9rdidas netas por deterioro de los activos financieros a valor razonable con cambios en otro resultado global
producidas en el ejercicio se registran en el ep\u00edgrafe \u201cDeterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no
valorados a valor razonable con cambios en resultados y p\u00e9rdidas o ganancias netas por modificaci\u00f3n - Activos financieros a valor
razonable con cambios en otro resultado global\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada de dicho periodo (ver Nota 47).
Los ingresos por intereses de estos instrumentos se registran en la cuenta de p\u00e9rdidas y ganancias consolidada de dicho ejercicio
(ver Nota 37). Las diferencias de cambio se registran en el cap\u00edtulo \u201cDiferencias de cambio, netas\u201d de la cuenta de p\u00e9rdidas y
ganancias consolidada (ver Nota 41).
\u2013 Instrumentos financieros de patrimonio
En el momento del reconocimiento inicial de inversiones concretas en instrumentos de patrimonio, se podr\u00e1 tomar la decisi\u00f3n
irrevocable de presentar los cambios posteriores del valor razonable en otro resultado global. Las variaciones posteriores de esta
valoraci\u00f3n se reconocer\u00e1n en \u201cOtro resultado global acumulado \u2013 Elementos que no se reclasificar\u00e1n en resultados \u2013 Cambios del
valor razonable de los instrumentos de patrimonio valorados a valor razonable con cambios en otro resultado global\u201d de los balances
consolidados (ver Nota 30). Los dividendos recibidos de estas inversiones se registran en el cap\u00edtulo \u201cIngresos por dividendos\u201d de la
cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota 38). Estos instrumentos no est\u00e1n sujetos al modelo de deterioro de la NIIF 9.
\u201cActivos financieros a coste amortizado\u201d
Los activos registrados en este cap\u00edtulo de los balances consolidados se valoran con posterioridad a su adquisici\u00f3n a su \u201ccoste
amortizado\u201d, determin\u00e1ndose \u00e9ste de acuerdo con el m\u00e9todo del \u201ctipo de inter\u00e9s efectivo\u201d. En el caso de los instrumentos a tipo de
inter\u00e9s variable, incluidos los bonos indexados a la inflaci\u00f3n, las reestimaciones peri\u00f3dicas de los flujos de caja para reflejar el
movimiento de tipos de inter\u00e9s y la inflaci\u00f3n incurrida modifican el tipo de inter\u00e9s efectivo de forma prospectiva.
Las p\u00e9rdidas netas por deterioro de los activos registrados en estos cap\u00edtulos producidas en cada ejercicio, calculadas bajo el modelo
de la NIIF 9, se registran en el ep\u00edgrafe \u201cDeterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no valorados a
valor razonable con cambios en resultados y p\u00e9rdidas o ganancias netas por modificaci\u00f3n - Activos financieros valorados a coste
amortizado\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada de dicho ejercicio (ver Nota 47).
Clasificaci\u00f3n y valoraci\u00f3n de pasivos financieros
Clasificaci\u00f3n de pasivos financieros
Los pasivos financieros est\u00e1n clasificados en las siguientes categor\u00edas:
\u2013Pasivos financieros a coste amortizado;
\u2013Pasivos financieros mantenidos para negociar (incluyendo derivados): son instrumentos que se registran en esta categor\u00eda
cuando el objetivo del Grupo es generar beneficios a trav\u00e9s de la realizaci\u00f3n de compras y ventas con estos instrumentos o
generar resultados en el corto plazo;
\u2013Pasivos financieros designados a valor razonable con cambios en resultados en el momento del reconocimiento inicial (Fair
value option). El Grupo tiene la opci\u00f3n de designar, en el momento de reconocimiento inicial, de manera irrevocable un
pasivo financiero como valorado a valor razonable con cambios en resultados si la aplicaci\u00f3n de este criterio elimina o
reduce de manera significativa inconsistencias en la valoraci\u00f3n o en el reconocimiento, o si se trata de un grupo de pasivos
financieros, o un grupo de activos y pasivos financieros, que est\u00e1 gestionado, y su rendimiento evaluado, en base al valor
razonable en l\u00ednea con una gesti\u00f3n de riesgo o estrategia de inversi\u00f3n.
Valoraci\u00f3n de pasivos financieros
Los pasivos financieros se registran inicialmente por su valor razonable, menos los costes de transacci\u00f3n que sean directamente
atribuibles a la emisi\u00f3n de los instrumentos a excepci\u00f3n de los instrumentos financieros que est\u00e9n clasificados a valor razonable con
cambios en resultados.
Las variaciones en el valor de los pasivos financieros con causa en el devengo de intereses y conceptos asimilados se registran en los
cap\u00edtulos \u201cIngresos por intereses y otros ingresos similares\u201d o \u201cGastos por intereses\u201d, de la cuenta de p\u00e9rdidas y ganancias
consolidada del ejercicio en el que se produjo el devengo (ver Nota 37), excepto en los derivados de negociaci\u00f3n que no forman parte
de las coberturas econ\u00f3micas y contables.
Los cambios en las valoraciones que se produzcan con posterioridad al registro inicial por causas distintas de las mencionadas en el
p\u00e1rrafo anterior, se tratan como se describe a continuaci\u00f3n, en funci\u00f3n de las categor\u00edas en las que se encuentran clasificados los
pasivos financieros.
\u201cPasivos financieros mantenidos para negociar\u201d y \u201cPasivos financieros designados a valor razonable con cambios en
resultados\u201d
Los pasivos registrados en estos cap\u00edtulos de los balances consolidados se valoran con posterioridad a su reconocimiento a su valor
razonable y las variaciones en su valor (plusval\u00edas o minusval\u00edas) se registran, por su importe neto, en los cap\u00edtulos \u201cGanancias
(p\u00e9rdidas) por activos y pasivos financieros mantenidos para negociar, netas\u201d y \u201cGanancias (p\u00e9rdidas) por activos y pasivos
financieros designados a valor razonable con cambios en resultados, netas\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver
Nota 41). Sin embargo, el cambio en el propio riesgo de cr\u00e9dito de los pasivos designados bajo la opci\u00f3n del valor razonable, se
presenta en \u201cOtro resultado global acumulado \u2013 Elementos que no se reclasificar\u00e1n en resultados - Cambios del valor razonable de
los pasivos financieros a valor razonable con cambios en resultados atribuibles a cambios en el riesgo de cr\u00e9dito\u201d, salvo que este
tratamiento produzca o incremente una asimetr\u00eda en la cuenta de resultados. No obstante, las variaciones con origen en diferencias
de cambio se registran en el cap\u00edtulo de \u201cDiferencias de cambio, netas\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota
41).
\u201cPasivos financieros a coste amortizado\u201d
Los pasivos registrados en este cap\u00edtulo de los balances consolidados se valoran con posterioridad a su adquisici\u00f3n a su \u201ccoste
amortizado\u201d, determin\u00e1ndose \u00e9ste de acuerdo con el m\u00e9todo del \u201ctipo de inter\u00e9s efectivo\u201d.
\u201cPasivos financieros h\u00edbridos\u201d
Cuando un pasivo financiero contiene un derivado impl\u00edcito, el Grupo analiza si las caracter\u00edsticas y riesgos econ\u00f3micos del derivado
impl\u00edcito y del instrumento principal est\u00e1n estrechamente relacionadas.
Si las caracter\u00edsticas y riesgos est\u00e1n estrechamente relacionados, el instrumento en su conjunto se clasificar\u00e1 y valorar\u00e1 de acuerdo a
las reglas generales para los pasivos financieros. Si, por el contrario, las caracter\u00edsticas econ\u00f3micas y riesgos del contrato principal
son distintos al riesgo subyacente del derivado impl\u00edcito, sus t\u00e9rminos hacen cumplir con la definici\u00f3n de derivado y el instrumento no
se contabiliza en su conjunto a valor razonable con cambios en la cuenta de p\u00e9rdidas y ganancias consolidada, el derivado impl\u00edcito se
contabilizar\u00e1 de forma separada del contrato principal a valor razonable con cambios en p\u00e9rdidas y ganancias consolidada y el
instrumento principal se contabilizar\u00e1 y valorar\u00e1 de acuerdo a su naturaleza.
\u201cDerivados \u2013 contabilidad de coberturas\u201d y \u201cCambios del valor razonable de los elementos cubiertos de una
cartera con cobertura del riesgo de tipo de inter\u00e9s\u201d
El Grupo utiliza derivados financieros como herramienta de gesti\u00f3n de los riesgos financieros, principalmente tipo de inter\u00e9s y tipo de
cambio (Ver Nota 7).
Cuando estas operaciones cumplen determinados requisitos se consideran como de \"cobertura\".
Los derivados financieros de cobertura se utilizan para cubrir variaciones en el valor de los activos y pasivos; cubrir alteraciones en
los flujos de efectivo o cubrir la inversi\u00f3n neta en un negocio en el extranjero. Se establecen coberturas de valor razonable para
instrumentos financieros a tipo fijo, y coberturas de flujos de efectivo para instrumentos financieros a tipo variable. El Grupo tambi\u00e9n
realiza operaciones de cobertura sobre riesgo de cambio.
La contabilidad de coberturas mantiene el esquema de registro bajo NIC 39, y se eval\u00faa la eficacia de las mismas tanto de forma
retrospectiva como prospectiva, de manera que se mantenga dentro de un rango entre el 80% y el 125%. La ineficacia de las
coberturas, definida como la diferencia entre la variaci\u00f3n de valor del instrumento de cobertura y del elemento cubierto en cada
periodo, atribuible al riesgo cubierto, se reconoce en la cuenta de resultados. En la cuenta de resultados se reconocen el importe de la
ineficacia de las coberturas por riesgo de tipo de inter\u00e9s en el periodo as\u00ed como la ineficacia de las coberturas establecidas para
gestionar el riesgo de cambio, y que principalmente se genera por el valor temporal de los derivados sobre riesgo de tipo de cambio
que se utilizan para gestionar dicho riesgo (ver Notas 15 y 41).
Las variaciones que se producen con posterioridad a la designaci\u00f3n de la cobertura, en la valoraci\u00f3n de los instrumentos financieros
designados como partidas cubiertas y de los instrumentos financieros designados como instrumentos de cobertura contable, se
registran de la siguiente forma:
\u2013En las coberturas de valor razonable, las diferencias producidas en el valor razonable del derivado y del instrumento
cubierto atribuibles al riesgo cubierto, se reconocen directamente en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas) resultantes de la
contabilidad de coberturas, netas\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada; utilizando como contrapartida los
ep\u00edgrafes del balance consolidado en los que se encuentra registrado el elemento de cobertura (\u201cDerivados \u2013 contabilidad
de coberturas\u201c) o el elemento cubierto, seg\u00fan proceda, excepto en el caso de coberturas de tipo de inter\u00e9s, (que son la casi
totalidad de las coberturas que realiza el Grupo), caso en que las diferencias de valor se reconocen en el cap\u00edtulo \u201cIngresos
por intereses y otros ingresos similares\u201d o \u201cGastos por intereses\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas (ver
Nota 37).
\u2013En las coberturas del valor razonable del riesgo de tipo de inter\u00e9s de una cartera de instrumentos financieros o deuda
propia (\u201cmacrocoberturas\u201d), las ganancias o p\u00e9rdidas que surgen al valorar el instrumento de cobertura se reconocen
directamente en la cuenta de p\u00e9rdidas y ganancias consolidada con contrapartida en los ep\u00edgrafes \u201cDerivados - contabilidad
de coberturas\u201d y las ganancias o p\u00e9rdidas que surgen de la variaci\u00f3n en el valor razonable del elemento cubierto (atribuible
al riesgo cubierto) se registran tambi\u00e9n en la cuenta de p\u00e9rdidas y ganancias consolidada (en ambos casos, dentro del
ep\u00edgrafe \u201cGanancias (p\u00e9rdidas) resultantes de la contabilidad de coberturas, netas\u201d, utilizando como contrapartida los
ep\u00edgrafes de activo y pasivo \u201cCambios del valor razonable de los elementos cubiertos de una cartera con cobertura del
riesgo de tipo de inter\u00e9s\u201d del balance consolidado, seg\u00fan proceda.
\u2013En las coberturas de los flujos de efectivo, las diferencias de valor surgidas en la parte de cobertura eficaz de los elementos
de cobertura se registran transitoriamente en el ep\u00edgrafe \u201cOtro resultado global acumulado - Elementos que pueden
reclasificarse en resultados - Derivados de cobertura. Coberturas de flujos de efectivo (porci\u00f3n efectiva)\u201d de los balances
consolidados, con contrapartida en los ep\u00edgrafes \u201cDerivados - contabilidad de coberturas\u201d del activo o el pasivo de los
balances consolidados, seg\u00fan corresponda. Estas diferencias se reconocen en la cuenta de p\u00e9rdidas y ganancias
consolidada en el momento en que las p\u00e9rdidas o ganancias del elemento cubierto se registren en resultados, en el
momento en que se ejecuten las transacciones previstas o en la fecha de vencimiento del elemento cubierto. La casi
totalidad de las coberturas de flujos de efectivo que realiza el Grupo son de tipos de inter\u00e9s y de inflaci\u00f3n de instrumentos
financieros, por lo que sus diferencias de valor se reconocen en el cap\u00edtulo \u201cIngresos por intereses y otros ingresos
similares\u201d o \u201cGastos por intereses\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas (ver Nota 37).
\u2013Las diferencias de valor del instrumento de cobertura correspondientes a la parte no eficaz de las operaciones de cobertura
de flujos de efectivo se registran directamente en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas) resultantes de la contabilidad de
coberturas, netas\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota 41).
\u2013En las coberturas de inversiones netas en negocios en el extranjero, las diferencias de valoraci\u00f3n surgidas en la parte de
cobertura eficaz de los elementos de cobertura se registran transitoriamente en el ep\u00edgrafe \u201cOtro resultado global
acumulado - Elementos que pueden reclasificarse en resultados - Cobertura de inversiones netas en negocios en el
extranjero (porci\u00f3n efectiva)\u201d de los balances consolidados, con contrapartida en los ep\u00edgrafes \u201cDerivados - contabilidad de
coberturas\u201d del activo o el pasivo del balance consolidado, seg\u00fan corresponda. Dichas diferencias en valoraci\u00f3n se
reconocer\u00e1n en las cuentas de p\u00e9rdidas y ganancias consolidadas en el momento en que la inversi\u00f3n en el extranjero se
enajene o cause baja del balance consolidado (ver Nota 41).
Deterioro del valor de los activos financieros
El modelo de deterioro de \u201cp\u00e9rdidas esperadas\u201d se aplica a los activos financieros valorados a coste amortizado, a los instrumentos
de deuda valorados a valor razonable con cambios en otro resultado global acumulado, a los contratos de garant\u00edas financieras y
otros compromisos. Se excluyen del modelo de deterioro todos los instrumentos financieros valorados a valor razonable con cambio
en resultados.
La norma clasifica los instrumentos financieros en tres categor\u00edas, que dependen de la evoluci\u00f3n de su riesgo de cr\u00e9dito desde el
momento del reconocimiento inicial, y que determinan el c\u00e1lculo de las coberturas por riesgo de cr\u00e9dito de las mismas.
\u2013Stage 1: Sin incremento significativo de riesgo
La correcci\u00f3n de valor por p\u00e9rdidas de esos instrumentos financieros se calcula como las p\u00e9rdidas crediticias esperadas que resultan
de posibles eventos de incumplimiento dentro de los 12 meses posteriores a la fecha de presentaci\u00f3n de los estados financieros
(p\u00e9rdida esperada a 12 meses).
\u2013Stage 2: Incremento significativo de riesgo
Cuando el riesgo de cr\u00e9dito de un activo financiero ha aumentado significativamente desde el reconocimiento inicial, la correcci\u00f3n de
valor por p\u00e9rdidas de ese instrumento financiero se calcula como la p\u00e9rdida crediticia esperada durante toda la vida de la operaci\u00f3n.
Es decir, son las p\u00e9rdidas de cr\u00e9dito esperadas que resultan de todos los posibles eventos de incumplimiento durante la vida
esperada del instrumento financiero.
\u2013Stage 3: Deteriorados
Cuando hay evidencia objetiva de que el activo financiero est\u00e1 deteriorado, \u00e9ste se transfiere a esta categor\u00eda en la cual la correcci\u00f3n
de valor por p\u00e9rdidas de ese instrumento financiero se calcula, al igual que en el stage 2, como la p\u00e9rdida crediticia esperada durante
toda la vida del activo.
En los casos en que se considera remota la recuperaci\u00f3n de cualquier importe registrado, el activo se da de baja del balance
consolidado, sin perjuicio de las actuaciones que puedan llevarse a cabo para intentar conseguir su cobro hasta tanto no se hayan
extinguido definitivamente los derechos a percibirlo, sea por prescripci\u00f3n, condonaci\u00f3n u otras causas.
El Grupo BBVA ha tomado en consideraci\u00f3n las siguientes definiciones:
\u2013Activo financiero deteriorado
Un activo financiero est\u00e1 deteriorado (stage 3) cuando han ocurrido uno o m\u00e1s eventos que dan lugar a un impacto negativo sobre los
flujos de efectivo futuros estimados del mismo.
Hist\u00f3ricamente, la definici\u00f3n de activo deteriorado bajo la NIIF 9 ha estado sustancialmente alineada con la definici\u00f3n de
incumplimiento (default) utilizada por el Grupo a efectos de la gesti\u00f3n interna del riesgo de cr\u00e9dito, que es tambi\u00e9n la definici\u00f3n
utilizada a efectos regulatorios. En 2021 el Grupo actualiz\u00f3 su definici\u00f3n de default para adecuarla a las Directrices de la European
Banking Authority (en adelante, EBA) en cumplimiento del art\u00edculo 178 del Reglamento (EU) No 575/2013 (CRR). Consecuentemente,
el Grupo consider\u00f3 adecuado actualizar la definici\u00f3n de activo financiero deteriorado (stage 3), consider\u00e1ndolo un cambio de
estimaciones contables, de forma que se restableciese su consistencia con la definici\u00f3n de default, garantizando con ello la
integraci\u00f3n de ambas definiciones en la gesti\u00f3n del riesgo de cr\u00e9dito.
La determinaci\u00f3n de un activo como deteriorado y su clasificaci\u00f3n en stage 3, se basa exclusivamente en el riesgo de incumplimiento,
sin considerar los efectos de mitigantes del riesgo de cr\u00e9dito como garant\u00edas y colaterales. Concretamente, se clasifican en stage 3:
a.Activos deteriorados por razones objetivas o morosidad: cuando existan importes impagados de principal o
intereses con antig\u00fcedad superior a 90 d\u00edas.
De acuerdo con la NIIF 9, el incumplimiento de los 90 d\u00edas es una presunci\u00f3n que puede refutarse en aquellos
casos en los que la entidad considere, en base a informaci\u00f3n razonable y soportada, que es apropiado utilizar un
plazo m\u00e1s largo. A 31 de diciembre de 2022, el Grupo no ha utilizado plazos superiores a 90 d\u00edas.
b.Activos deteriorados por razones subjetivas o distintas de la morosidad: cuando se identifican circunstancias que
evidencien, incluso en ausencia de impagos, que no es probable que el deudor cumpla totalmente con sus
obligaciones financieras. A tal efecto, se consideran, entre otros, los siguientes indicadores:
\u2013Dificultades financieras significativas del emisor o el prestatario.
\u2013Otorgamiento por el prestamista o prestamistas al prestatario, por razones econ\u00f3micas o contractuales
relacionadas con las dificultades financieras de este \u00faltimo, de concesiones o ventajas que en otro caso
no hubieran otorgado.
\u2013Incumplimiento de las cl\u00e1usulas contractuales, tales como eventos de impago o de mora.
\u2013Probabilidad cada vez mayor de que el prestatario entre en quiebra o en cualquier otra situaci\u00f3n de
reorganizaci\u00f3n financiera.
\u2013Desaparici\u00f3n de un mercado activo para el activo financiero en cuesti\u00f3n a causa de dificultades
financieras.
\u2013Otras que puedan afectar a los flujos de efectivo comprometidos como la p\u00e9rdida de licencia del deudor
o que haya cometido un fraude.
\u2013Retraso generalizado en los pagos. En todo caso, se considera que se produce esta circunstancia
cuando durante un periodo continuado de 90 d\u00edas previo a la fecha de reporting se haya mantenido
alg\u00fan importe material impagado.\u00a0
\u2013Ventas de exposiciones crediticias de un cliente con una p\u00e9rdida econ\u00f3mica significativa implicar\u00e1n que
el resto de operaciones del mismo se identifiquen como deterioradas.
En relaci\u00f3n al otorgamiento de concesiones por dificultades financieras se considera que existe un indicador de
probable impago y, por lo tanto, el cliente ha de considerarse deteriorado, cuando las medidas de refinanciaci\u00f3n o
reestructuraci\u00f3n puedan resultar en una reducci\u00f3n de la obligaci\u00f3n financiera causada por una condonaci\u00f3n o
aplazamiento material de principal, intereses o comisiones. En concreto, salvo prueba en contrario, se
reclasificar\u00e1n a la categor\u00eda de activos deteriorados las operaciones que cumplan con alguno de los siguientes
criterios:
a.Se sustenten en un plan de pagos inadecuado.
b.Incluyan cl\u00e1usulas contractuales que dilaten el reembolso de la operaci\u00f3n mediante pagos regulares.
Entre otras, los per\u00edodos de carencia superiores a dos a\u00f1os para la amortizaci\u00f3n del principal se
considerar\u00e1n cl\u00e1usulas con estas caracter\u00edsticas.
c.Presenten importes dados de baja del balance al ser considerada remota su recuperaci\u00f3n.
En todo caso, una reestructuraci\u00f3n se considerar\u00e1 deteriorada cuando la reducci\u00f3n en el valor neto actual de la obligaci\u00f3n financiera
sea superior al 1% en coherencia con los criterios de gesti\u00f3n introducidos durante 2021.
La gesti\u00f3n de riesgo de cr\u00e9dito para las contrapartidas mayoristas se realiza a nivel cliente (o grupo). Por ello, la calificaci\u00f3n de
cualquier exposici\u00f3n material de un cliente como deteriorada, ya sea por presentar m\u00e1s de 90 d\u00edas de impago o por alguno de los
criterios subjetivos, implica la clasificaci\u00f3n como deterioradas de todas las exposiciones del cliente.
Respecto a los clientes minoristas, que se gestionan a nivel de operaci\u00f3n, los sistemas de scoring revisan su puntuaci\u00f3n, entre otras
razones, en caso de producirse alg\u00fan incumplimiento en cualquiera de sus operaciones o que incurra en retrasos generalizados en los
pagos, lo que tambi\u00e9n desencadena las acciones recuperatorias necesarias. Entre ellas se encuentran las medidas de refinanciaci\u00f3n
que, en su caso, pueden llevar a que todas las operaciones del cliente sean consideradas deterioradas. Adem\u00e1s, dada la granularidad
de las carteras minoristas, el comportamiento diferencial de estos clientes en relaci\u00f3n a sus productos y garant\u00edas aportadas, as\u00ed
como el tiempo necesario para encontrar la mejor soluci\u00f3n, el Grupo ha establecido un indicador que consiste en que cuando una
operaci\u00f3n de un cliente minorista presenta impagos superiores a los 90 d\u00edas o retrasos generalizados y ello supone m\u00e1s del 20% del
saldo total del cliente, todas sus operaciones se consideran deterioradas.
Cuando entren en la categor\u00eda de stage 3 operaciones de entidades relacionadas con el titular, incluyendo tanto las entidades del
mismo grupo como aquellas otras con las que exista una relaci\u00f3n de dependencia econ\u00f3mica o financiera, las operaciones del titular
se clasificar\u00e1n tambi\u00e9n como stage 3 si tras su an\u00e1lisis se concluye que existen dudas razonables sobre su reembolso total.
La clasificaci\u00f3n en stage 3 se mantendr\u00e1 durante un periodo de prueba de 3 meses a contar desde la desaparici\u00f3n de todos los
indicadores de deterioro durante el cual el cliente debe demostrar un buen comportamiento de pago y una mejora de su calidad
crediticia a fin de corroborar la desaparici\u00f3n de las causas que motivaron la clasificaci\u00f3n de la deuda como deteriorada. En el caso de
las refinanciaciones y reestructuraciones el periodo de prueba se extiende a un a\u00f1o (ver Nota 7.2.7 para mayor detalle).
Estos criterios est\u00e1n alineados en todas las \u00e1reas geogr\u00e1ficas del Grupo manteni\u00e9ndose \u00fanicamente diferencias menores para
facilitar la integraci\u00f3n de la gesti\u00f3n a nivel local.
\u2013 Aumento significativo del riesgo de cr\u00e9dito
El objetivo de los requerimientos de deterioro es reconocer las p\u00e9rdidas crediticias esperadas a lo largo de toda la vida para los
instrumentos financieros en los que haya habido un incremento significativo del riesgo crediticio desde el reconocimiento inicial
considerando toda la informaci\u00f3n razonable y documentada, incluyendo informaci\u00f3n prospectiva.
El modelo desarrollado por el Grupo para la evaluaci\u00f3n del aumento significativo del riesgo de cr\u00e9dito cuenta con un doble enfoque
que se aplica de forma global (para un mayor detalle de la metodolog\u00eda empleada ver Nota 7.2.1):
\u2013Criterio cuantitativo: el Grupo utiliza un an\u00e1lisis cuantitativo basado en la comparaci\u00f3n de la probabilidad esperada de
incumplimiento actual a lo largo de la vida de la operaci\u00f3n con la probabilidad esperada de incumplimiento original ajustada,
de forma que ambos valores resulten comparables en t\u00e9rminos de probabilidad esperada de incumplimiento para la vida
residual.
\u2013Criterio cualitativo: la mayor\u00eda de los indicadores para la detecci\u00f3n del incremento de riesgo significativo est\u00e1n recogidos en
los sistemas del Grupo v\u00eda los sistemas de rating y scoring o los escenarios macroecon\u00f3micos, por lo que el an\u00e1lisis
cuantitativo recoge la mayor\u00eda de las circunstancias. Ahora bien, el Grupo utiliza criterios cualitativos adicionales para
identificar el incremento significativo del riesgo y recoger as\u00ed las circunstancias que pudieran no estar recogidas en los
sistemas rating/scoring o en los escenarios macroecon\u00f3micos utilizados. Estos criterios cualitativos son los siguientes:
a.Impago de m\u00e1s de 30 d\u00edas: de acuerdo con la NIIF 9, el incumplimiento de m\u00e1s de 30 d\u00edas es una presunci\u00f3n que
puede refutarse en aquellos casos en los que la entidad considere, en base a informaci\u00f3n razonable y
documentada, que tal impago no representa un incremento significativo del riesgo. A 31 de diciembre de 2022, el
Grupo no ha utilizado un plazo m\u00e1s largo de 30 d\u00edas.
b.En seguimiento especial (watch list): est\u00e1n sometidos a una vigilancia especial por parte de las unidades de
Riesgos debido a que muestran se\u00f1ales negativas en su calidad crediticia, aunque no existe evidencia objetiva de
deterioro.
c.Refinanciaciones o reestructuraciones que no muestran evidencia de deterioro o que, habi\u00e9ndose identificado
previamente, todav\u00eda se considera que existe un incremento de riesgo.
Aunque la norma introduce una serie de simplificaciones operativas, tambi\u00e9n llamadas soluciones pr\u00e1cticas, para el an\u00e1lisis del
incremento de riesgo significativo, el Grupo no las utiliza como regla general. No obstante, para activos de alta calidad,
principalmente relacionados con determinadas instituciones u organismos de car\u00e1cter p\u00fablico, se utiliza la posibilidad que prev\u00e9 la
norma de considerar directamente que su riesgo de cr\u00e9dito no ha aumentado significativamente porque tienen un bajo riesgo
crediticio en la fecha de presentaci\u00f3n. Esta posibilidad se limita a aquellos instrumentos financieros que se califican como de alta
calidad crediticia y elevada liquidez para el cumplimiento del ratio de cobertura de liquidez (Liquidity Coverage Ratio, en adelante
\"LCR\"). Ello no impide que estos activos tengan asignada la cobertura por riesgo de cr\u00e9dito que corresponda a su calificaci\u00f3n como
stage 1 basada en su calificaci\u00f3n crediticia y en las expectativas macroecon\u00f3micas.
Metodolog\u00eda para el c\u00e1lculo del deterioro de los activos financieros
Metodolog\u00eda para el c\u00e1lculo de las p\u00e9rdidas esperadas
La estimaci\u00f3n de las p\u00e9rdidas esperadas debe reflejar:
\u2013Un importe ponderado y no sesgado, determinado mediante la evaluaci\u00f3n de una serie de resultados posibles,
\u2013el valor del dinero en el tiempo,
\u2013informaci\u00f3n razonable y soportable que est\u00e9 disponible sin un esfuerzo o coste excesivo y que refleje tanto condiciones
actuales como predicciones sobre condiciones futuras.
Las p\u00e9rdidas esperadas se estiman tanto de forma individual como colectivamente.
La estimaci\u00f3n individualizada de las p\u00e9rdidas crediticias resulta de calcular las diferencias entre los cash flows esperados
descontados al tipo de inter\u00e9s efectivo de la operaci\u00f3n y el valor en libros del instrumento (Ver Nota 7.2.1).
Para la estimaci\u00f3n colectiva de las p\u00e9rdidas esperadas los instrumentos se distribuyen en grupos de activos en base a sus
caracter\u00edsticas de riesgo. Las exposiciones dentro de cada grupo se agrupan en funci\u00f3n de caracter\u00edsticas similares del riesgo de
cr\u00e9dito, indicativas de la capacidad de pago del acreditado de acuerdo con sus condiciones contractuales. Estas caracter\u00edsticas de
riesgo tienen que ser relevantes en la estimaci\u00f3n de los flujos futuros de cada grupo. Las caracter\u00edsticas de riesgo de cr\u00e9dito pueden
considerar, entre otros, los siguientes factores (para un mayor detalle de la metodolog\u00eda empleada ver Nota 7.2.1).
\u2013Tipo de operaci\u00f3n.
\u2013Herramientas de rating o scoring.
\u2013Puntuaci\u00f3n o calificaciones de riesgo de cr\u00e9dito.
\u2013Tipo de colateral.
\u2013Tiempo en mora para las operaciones en stage 3.
\u2013Segmento.
\u2013Criterios cualitativos que puedan incidir en el incremento significativo del riesgo.
\u2013Valor del colateral si tiene impacto sobre la probabilidad de que ocurra un evento de deterioro.
Las p\u00e9rdidas estimadas se derivan de los siguientes par\u00e1metros:
\u2013PD: estimaci\u00f3n de la probabilidad de incumplimiento en cada periodo.
\u2013EAD: estimaci\u00f3n de la exposici\u00f3n en caso de incumplimiento en cada periodo futuro, teniendo en cuenta los cambios en la
exposici\u00f3n despu\u00e9s de la fecha de referencia de los estados financieros.
\u2013LGD: estimaci\u00f3n de la p\u00e9rdida en caso de incumplimiento, como diferencia entre los flujos de caja contractuales y los que se
esperan recibir, incluyendo las garant\u00edas. A estos efectos, en la estimaci\u00f3n se considera la probabilidad de ejecuci\u00f3n de la
garant\u00eda, el momento hasta que se alcanza su posesi\u00f3n y posterior realizaci\u00f3n, los flujos de efectivo esperados y los costes
de adquisici\u00f3n y venta.
\u2013CCF: Factor de conversi\u00f3n en efectivo, es la estimaci\u00f3n realizada sobre los saldos fuera de balance para determinar la
exposici\u00f3n sometida a riesgo de cr\u00e9dito en caso de que se produzca un incumplimiento.
En el Grupo BBVA las p\u00e9rdidas crediticias esperadas calculadas se basan en los modelos internos desarrollados para todas las
carteras dentro del alcance de la NIIF 9, salvo los casos que est\u00e1n sujetos a la estimaci\u00f3n individualizada.
El c\u00e1lculo y el reconocimiento de las p\u00e9rdidas esperadas incluye las exposiciones con administraciones p\u00fablicas y entidades de
cr\u00e9dito, para las que, a pesar de contar con un n\u00famero reducido de incumplimientos en las bases de informaci\u00f3n, se han desarrollado
modelos internos que tienen en cuenta como fuentes de informaci\u00f3n los datos proporcionados por agencias de calificaci\u00f3n externa u
otros observados en mercado, como los cambios en los rendimientos de los bonos, cotizaciones de los credit default swaps o
cualquier otra informaci\u00f3n p\u00fablica sobre los mismos.
Utilizaci\u00f3n de informaci\u00f3n presente, pasada y futura
La NIIF 9 requiere incorporar informaci\u00f3n presente, pasada y futura tanto para la detecci\u00f3n del incremento de riesgo significativo
como para la medici\u00f3n de las p\u00e9rdidas esperadas, que se deben realizar sobre una base ponderada por su probabilidad.
A la hora de estimar las p\u00e9rdidas esperadas la norma no requiere identificar todos los posibles escenarios. Sin embargo, se debe
considerar la probabilidad de que ocurra un evento de p\u00e9rdida y la probabilidad de que no ocurra, incluso aunque la posibilidad de que
ocurra una p\u00e9rdida sea muy peque\u00f1a. Para lograr esto, el Grupo BBVA por lo general eval\u00faa la relaci\u00f3n lineal entre sus par\u00e1metros de
p\u00e9rdida estimada (PD, LGD y EAD) con la historia y previsiones futuras de los escenarios macroecon\u00f3micos.
Asimismo, cuando no exista una relaci\u00f3n lineal entre los diferentes escenarios econ\u00f3micos futuros y sus p\u00e9rdidas esperadas
asociadas deber\u00e1 utilizarse m\u00e1s de un escenario econ\u00f3mico futuro para la estimaci\u00f3n.
El Grupo BBVA utiliza una metodolog\u00eda que descansa sobre el uso de tres escenarios. El primero es el escenario m\u00e1s probable
(escenario base) que es consistente con el empleado en los procesos internos de gesti\u00f3n del Grupo, y otros dos adicionales, uno m\u00e1s
positivo y otro m\u00e1s negativo. El resultado combinado de estos tres escenarios se calcula considerando la ponderaci\u00f3n que se otorga a
cada uno de ellos. Las principales variables macroecon\u00f3micas que se valoran en cada uno de los escenarios para cada una de las
\u00e1reas geogr\u00e1ficas en las que el Grupo opera son el Producto Interior Bruto (PIB), el \u00edndice de precios de las propiedades inmobiliarias,
los tipos de inter\u00e9s y la tasa de desempleo. El principal objetivo del Grupo es buscar la mayor capacidad predictiva respecto a las dos
primeras (ver Nota 7.2.1).
Baja de balance por deterioro del valor de activos financieros
Se clasifican como riesgo fallido los instrumentos de deuda para los que, tras ser analizados, se considere razonablemente que su
recuperaci\u00f3n es remota debido al deterioro notorio e irrecuperable de la solvencia del titular de la operaci\u00f3n.
En funci\u00f3n de sus procedimientos y particularidades las entidades del Grupo reconocen operaciones como fallidas en base a los
an\u00e1lisis de evidencias sobre la no recuperabilidad de la deuda, teniendo en consideraci\u00f3n aspectos como: la antig\u00fcedad desde la
clasificaci\u00f3n como operaciones dudosas por raz\u00f3n de la morosidad, los niveles de cobertura alcanzados, tipo de cartera o producto,
la situaci\u00f3n concursal del titular y la existencia de garant\u00edas, su valoraci\u00f3n y capacidad de ejecuci\u00f3n. En aquellos casos que la garant\u00eda
sea significativa, existe la posibilidad de realizar fallidos parciales sobre la parte no garantizada.
La clasificaci\u00f3n de una operaci\u00f3n como fallida, conlleva el reconocimiento de p\u00e9rdidas por el importe en libros de la misma y su baja
de balance (ver Nota 7.2.5).
2.2.2Transferencias y bajas del balance de activos y pasivos financieros
El tratamiento contable de las transferencias de activos financieros est\u00e1 condicionado por la forma en que se transfieren a terceros
los riesgos y beneficios asociados a los activos que se transfieren; de manera que los activos financieros s\u00f3lo se dan de baja del
balance consolidado cuando se han extinguido los flujos de efectivo que generan, cuando se han transferido sustancialmente a
terceros los riesgos y beneficios que llevan impl\u00edcitos o cuando, aun no existiendo transmisi\u00f3n ni retenci\u00f3n sustancial de estos, se
transmita el control del activo financiero. En estos \u00faltimos dos casos, el activo financiero transferido se da de baja del balance
consolidado, reconoci\u00e9ndose simult\u00e1neamente cualquier derecho u obligaci\u00f3n retenido o creado como consecuencia de la
transferencia.
De forma similar, los pasivos financieros s\u00f3lo se dan de baja del balance consolidado cuando se han extinguido las obligaciones que
generan o cuando se adquieren (bien sea con la intenci\u00f3n de cancelarlos, bien con la intenci\u00f3n de recolocarlos de nuevo).
Se considera que el Grupo transfiere sustancialmente los riesgos y beneficios si los riesgos y beneficios transferidos representan la
mayor\u00eda de los riesgos y beneficios totales de los activos transferidos. Si se retienen sustancialmente los riesgos y/o beneficios
asociados al activo financiero transferido:
\u2013El activo financiero transferido no se da de baja del balance consolidado y se contin\u00faa valorando con los mismos criterios
utilizados antes de la transferencia.
\u2013Se registra un pasivo financiero asociado por un importe igual al de la contraprestaci\u00f3n recibida, que se valora
posteriormente a su coste amortizado o valor razonable con cambios en p\u00e9rdidas y ganancias, seg\u00fan proceda.
\u2013Se contin\u00faan registrando tanto los ingresos asociados al activo financiero transferido (pero no dado de baja) como los
gastos asociados al nuevo pasivo financiero.
Tratamiento de las titulizaciones
Los fondos de titulizaci\u00f3n a los que las entidades del Grupo transfieren sus carteras de inversi\u00f3n crediticia se integran en la
consolidaci\u00f3n del Grupo. Para m\u00e1s informaci\u00f3n sobre los criterios de consolidaci\u00f3n, ver Nota 2.1 \u201cCriterios de consolidaci\u00f3n\u201d.
El Grupo considera que se retienen de manera sustancial los riesgos y beneficios de las titulizaciones cuando se mantengan los bonos
subordinados de las emisiones y/o conceda financiaciones subordinadas a dichos fondos de titulizaci\u00f3n que supongan retener de
manera sustancial las p\u00e9rdidas de cr\u00e9dito esperadas de los pr\u00e9stamos transferidos. Como consecuencia de esta consideraci\u00f3n, el
Grupo no registra la baja del balance las carteras de inversi\u00f3n crediticia transferidas.
Las titulizaciones sint\u00e9ticas, son aquellas transacciones en las cuales la transferencia del riesgo se lleva a cabo mediante la utilizaci\u00f3n
de derivados de cr\u00e9dito o garant\u00edas, y en las que las exposiciones titulizadas siguen siendo exposiciones en el balance de la entidad
originadora. El Grupo ha instrumentalizado las titulizaciones sint\u00e9ticas a trav\u00e9s de garant\u00edas financieras recibidas. Las comisiones
pagadas se periodifican durante la vigencia de las garant\u00edas financieras contratadas.
2.2.3Garant\u00edas financieras
Se consideran \u201cGarant\u00edas financieras\u201d aquellos contratos que exigen que el emisor efect\u00fae pagos espec\u00edficos para reembolsar al
acreedor por la p\u00e9rdida en la que incurra cuando un deudor espec\u00edfico incumpla su obligaci\u00f3n de pago de acuerdo con las
condiciones, originales o modificadas, de un instrumento de deuda; con independencia de su forma jur\u00eddica. Las garant\u00edas financieras
pueden adoptar, entre otras, la forma de fianza, aval financiero, contrato de seguro o derivado de cr\u00e9dito.
En su reconocimiento inicial, las garant\u00edas financieras prestadas se contabilizan reconociendo un pasivo a valor razonable, que es
generalmente el valor actual de las comisiones y rendimientos a percibir por dichos contratos a lo largo de su vida, teniendo como
contrapartida en el activo el importe de las comisiones y rendimientos asimilados cobrados en el inicio de las operaciones y las
cuentas a cobrar por el valor actual de los flujos de efectivo futuros pendientes de recibir.
Las garant\u00edas financieras, cualquiera que sea su titular, instrumentaci\u00f3n u otras circunstancias, se analizan peri\u00f3dicamente con
objeto de determinar el riesgo de cr\u00e9dito al que est\u00e1n expuestas y, en su caso, estimar la necesidad de constituir alguna provisi\u00f3n por
ellas, que se determinan por aplicaci\u00f3n de criterios similares a los establecidos para cuantificar las correcciones de valor
experimentadas por los instrumentos de deuda valorados a coste amortizado (ver Nota 2.2.1).
Las provisiones constituidas sobre los contratos de garant\u00eda financiera se registran en el ep\u00edgrafe \u201cProvisiones - Compromisos y
garant\u00edas concedidos\u201d del pasivo de los balances consolidados (ver Nota 24). La dotaci\u00f3n y recuperaci\u00f3n de dichas provisiones se
registra con contrapartida en el cap\u00edtulo \u201cProvisiones o reversi\u00f3n de provisiones\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada
(ver Nota 46).
Los ingresos obtenidos de los instrumentos de garant\u00eda se registran en el cap\u00edtulo \u201cIngresos por comisiones\u201d de la cuenta de p\u00e9rdidas
y ganancias consolidada y se calculan aplicando el tipo establecido en el contrato del que traen causa sobre el importe nominal de la
garant\u00eda (ver Nota 40).
Las titulizaciones sint\u00e9ticas realizadas por el Grupo hasta la fecha, cumplen los requisitos de la normativa contable para su
contabilizaci\u00f3n como garant\u00edas.
2.2.4Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos
para la venta y Pasivos incluidos en grupos enajenables de elementos que se han clasificado como
mantenidos para la venta
El cap\u00edtulo \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta\u201d de los
balances consolidados incluye el valor en libros de las partidas individuales o partidas integradas en un conjunto (\u201cgrupo de
disposici\u00f3n\u201d) o que formen parte de una l\u00ednea de negocio o \u00e1rea geogr\u00e1fica significativa que se pretende enajenar (\u201coperaciones en
interrupci\u00f3n\u201d) cuya venta es altamente probable que tenga lugar en las condiciones en las que tales activos se encuentran
actualmente en el plazo de un a\u00f1o a contar desde la fecha a la que se refieren los estados financieros. Adicionalmente, pueden
clasificarse como mantenidos para la venta aquellos activos que se esperaba enajenar en el plazo de un a\u00f1o, pero en los que existe un
retraso que viene causado por hechos y circunstancias fuera del control del Grupo (ver Nota 21).
Sim\u00e9tricamente, el cap\u00edtulo \u201cPasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la
venta\u201d de los balances consolidados recoge los saldos acreedores con origen en los grupos de disposici\u00f3n y en las operaciones en
interrupci\u00f3n.
El cap\u00edtulo \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta\u201d incluye
los activos recibidos por las entidades dependientes para la satisfacci\u00f3n, total o parcial, de las obligaciones de pago frente a ellas de
sus deudores (activos adjudicados o daciones en pago de deuda y recuperaciones de operaciones de arrendamiento financiero),
salvo que el Grupo haya decidido hacer un uso continuado de esos activos. El Grupo BBVA tiene unidades espec\u00edficas enfocadas a la
gesti\u00f3n inmobiliaria y venta de este tipo de activos.
Los activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta se valoran, tanto
en la fecha de adquisici\u00f3n como posteriormente, al menor importe entre su valor razonable menos los costes de venta y su valor en
libros, pudi\u00e9ndose reconocer un deterioro o reversi\u00f3n de deterioro por la diferencia si aplicara. Cuando el importe de la venta menos
costes estimados de venta es superior al valor en libros, la ganancia no se reconoce hasta el momento de la enajenaci\u00f3n y baja de
balance.
Los activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta no se amortizan
mientras permanezcan en esta categor\u00eda.
En el caso de los activos inmobiliarios adjudicados o recibidos en pago de deudas, se reconocen inicialmente por el menor importe
entre: el valor en libros actualizado del activo financiero aplicado y el valor razonable en el momento de la adjudicaci\u00f3n o recepci\u00f3n del
activo menos los costes de venta estimados. El valor en libros del activo financiero aplicado se actualiza en el momento de la
adjudicaci\u00f3n, tratando el propio inmueble adjudicado como una garant\u00eda real y teniendo en cuenta las coberturas por riesgo de
cr\u00e9dito que le corresponden de acuerdo a su clasificaci\u00f3n en el momento anterior a la entrega. A estos efectos, el colateral se valorar\u00e1
por su valor razonable actualizado (menos los costes de venta) en el momento de la adjudicaci\u00f3n. Este importe en libros se
comparar\u00e1 con el importe en libros previo y la diferencia se reconocer\u00e1 como un incremento de coberturas por riesgo de cr\u00e9dito, en
su caso. Por otro lado, el valor razonable de los activos adjudicados se basa, principalmente, en tasaciones o valoraciones realizadas
por expertos independientes con una antig\u00fcedad m\u00e1xima de un a\u00f1o, o inferior si existen indicios de deterioro mediante tasaci\u00f3n,
evaluando la necesidad de aplicar un descuento sobre la misma, derivado de las condiciones espec\u00edficas del activo o de la situaci\u00f3n
del mercado para estos activos y, en todo caso, se deber\u00e1n deducir los costes de venta estimados por la entidad.
Las ganancias y p\u00e9rdidas generadas en la enajenaci\u00f3n de los activos no corrientes de elementos que se han clasificado como
mantenidos para la venta y pasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la
venta, as\u00ed como las p\u00e9rdidas por deterioro y, cuando proceda, su recuperaci\u00f3n, se reconocen en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas)
procedentes de activos no corrientes y grupos enajenables de elementos clasificados como mantenidos para la venta no admisibles
como actividades interrumpidas\u201d de la cuenta de p\u00e9rdidas y ganancias consolidada (ver Nota 50). Los restantes ingresos y gastos
correspondientes a dichos activos y pasivos se clasifican en las partidas de la cuenta de p\u00e9rdidas y ganancias consolidada de acuerdo
con su naturaleza.
Por otra parte, los ingresos y gastos de las operaciones en interrupci\u00f3n, cualquiera que sea su naturaleza, generados en el ejercicio,
aunque se hubiesen generado antes de su clasificaci\u00f3n como operaci\u00f3n en interrupci\u00f3n, se presentan, netos del efecto impositivo,
como un \u00fanico importe en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas) despu\u00e9s de impuestos procedentes de actividades interrumpidas\u201d de la
cuenta de p\u00e9rdidas y ganancias consolidada (ver Notas 3 y 21). Este cap\u00edtulo incluye tambi\u00e9n los resultados obtenidos en su
enajenaci\u00f3n (netos de su efecto impositivo).
2.2.5Activos tangibles
Inmovilizado material de uso propio
El inmovilizado material de uso propio recoge los activos, tanto en propiedad o como en r\u00e9gimen de arrendamiento (derecho de uso),
que el Grupo BBVA mantiene para su uso actual o futuro y que espera utilizar durante m\u00e1s de un ejercicio. Asimismo, incluye los
activos tangibles recibidos por las entidades consolidadas para la liquidaci\u00f3n, total o parcial, de activos financieros que representan
derechos de cobro frente a terceros y a los que se prev\u00e9 dar un uso continuado.
Para m\u00e1s informaci\u00f3n relativa al tratamiento contable de derechos de uso en r\u00e9gimen de arrendamiento, v\u00e9ase Nota 2.2.18
\u201cArrendamientos\u201d.
El inmovilizado material de uso propio se registra en el balance consolidado a su coste de adquisici\u00f3n, menos su correspondiente
amortizaci\u00f3n acumulada y, si procede, las p\u00e9rdidas por deterioro estimadas que resultan de comparar el valor neto contable de cada
partida con su correspondiente valor recuperable (ver Nota 17).
La amortizaci\u00f3n se calcula, aplicando el m\u00e9todo lineal durante la vida \u00fatil del bien sobre el coste de adquisici\u00f3n de los activos, menos
su valor residual; entendi\u00e9ndose que los terrenos sobre los que se asientan los edificios y otras construcciones tienen una vida \u00fatil
indefinida y que, por tanto, no son objeto de amortizaci\u00f3n.
Las dotaciones en concepto de amortizaci\u00f3n de los activos tangibles se registran en el cap\u00edtulo \u201cAmortizaci\u00f3n\u201d de la cuenta de
p\u00e9rdidas y ganancias consolidada (ver Nota 45) y, b\u00e1sicamente, equivalen a los porcentajes de amortizaci\u00f3n siguientes
(determinados en funci\u00f3n de los a\u00f1os de la vida \u00fatil estimada, como promedio, de los diferentes elementos):
Porcentajes de amortizaci\u00f3n de activos materiales
Tipo de activo
Porcentaje anual
Edificios de uso propio
1% - 4%
Mobiliario
8% - 10%
Instalaciones
6% - 12%
Equipos de oficina e inform\u00e1tica
8% - 25%
Derechos de uso por arrendamiento
El menor entre el plazo de arrendamiento o la vida \u00fatil del activo
por arrendamiento subyacente
El desglose del saldo del cap\u00edtulo \u201cOtros gastos de explotaci\u00f3n\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros gastos de explotaci\u00f3n (Millones de euros)
2022
2021
2020
Variaci\u00f3n de existencias
134
151
124
Fondos garant\u00eda de dep\u00f3sitos y resoluci\u00f3n
997
829
800
Ajustes por hiperinflaci\u00f3n (1)
1.687
585
348
Resto de gastos de explotaci\u00f3n
620
475
390
Total
3.438
2.041
1.662
(1) Retribuci\u00f3n en el ejercicio de las emisiones de valores perpetuos eventualmente convertibles registrada contra patrimonio (ver Nota 22.4).
(2) El 19 de agosto se comunic\u00f3 la finalizaci\u00f3n de la ejecuci\u00f3n del programa. Para el c\u00e1lculo del beneficio atribuido por acci\u00f3n, en el ejercicio 2022 se incluye el promedio de
acciones, teniendo en cuenta las dos amortizaciones realizadas en el ejercicio 2022. En el ejercicio 2021, se incluyen 112 millones de acciones adquiridas, dentro del programa de
recompra de acciones, y la estimaci\u00f3n del n\u00famero de acciones pendientes de recompra a 31 de diciembre de 2021 del primer tramo (ver Nota 4).
A 31 de diciembre de 2022, 2021 y 2020, no exist\u00edan otros instrumentos financieros ni compromisos con empleados basados en
acciones, que tengan efecto significativo sobre el c\u00e1lculo del beneficio diluido por acci\u00f3n de los ejercicios presentados. Por esta raz\u00f3n
el beneficio b\u00e1sico y el diluido coinciden para los ejercicios finalizados en dichas fechas.
", "dimensions": { "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8xNTQvZnJhZzo2ZWJiOWQ2MDRjNGE0Mzc3Yjc4NzhjY2UzNTFiZjc0NS90YWJsZToyNDYyZDM3MDhhZmU0Yzg0ODc0OGJmYjhhOTM4NDMyMS90YWJsZXJhbmdlOjI0NjJkMzcwOGFmZTRjODQ4NzQ4YmZiOGE5Mzg0MzIxXzE1LTEtMS0xLTcxNDczMA_9a9ebf62-aa99-450d-8381-0df11b185026": { "value": "0.99", "decimals": -3, "dimensions": { "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00", "unit": "iso4217:EUR/xbrli:shares" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8xNTQvZnJhZzo2ZWJiOWQ2MDRjNGE0Mzc3Yjc4NzhjY2UzNTFiZjc0NS90YWJsZToyNDYyZDM3MDhhZmU0Yzg0ODc0OGJmYjhhOTM4NDMyMS90YWJsZXJhbmdlOjI0NjJkMzcwOGFmZTRjODQ4NzQ4YmZiOGE5Mzg0MzIxXzE1LTItMS0xLTcxNDczMA_2de827c3-64e2-4ed2-9f4e-defd9f485ea6": { "value": "0.67", "decimals": 2, "dimensions": { "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2021-01-01T00:00:00/2022-01-01T00:00:00", "unit": "iso4217:EUR/xbrli:shares" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8xNTQvZnJhZzo2ZWJiOWQ2MDRjNGE0Mzc3Yjc4NzhjY2UzNTFiZjc0NS90YWJsZToyNDYyZDM3MDhhZmU0Yzg0ODc0OGJmYjhhOTM4NDMyMS90YWJsZXJhbmdlOjI0NjJkMzcwOGFmZTRjODQ4NzQ4YmZiOGE5Mzg0MzIxXzE1LTMtMS0xLTcxNDczMA_7f144fa7-6589-4950-93ff-03663ccce319": { "value": "0.14", "decimals": 3, "dimensions": { "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2020-01-01T00:00:00/2021-01-01T00:00:00", "unit": "iso4217:EUR/xbrli:shares" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8xNTcvZnJhZzo3ZGQ0NThjNzU0NmI0ZjNhYWFmZmUzNjZmODA3MTJmZC90ZXh0cmVnaW9uOjdkZDQ1OGM3NTQ2YjRmM2FhYWZmZTM2NmY4MDcxMmZkXzQyMzMxMTk3Njk5MTgw_d8d9571b-0093-4471-9646-c48abcd046b4": { "value": "Informaci\u00f3n por segmentos de negocio
La informaci\u00f3n por segmentos de negocio constituye una herramienta b\u00e1sica para el seguimiento y la gesti\u00f3n de las diferentes
actividades del Grupo BBVA. En la elaboraci\u00f3n de la informaci\u00f3n por segmentos de negocio se parte de las unidades de m\u00ednimo nivel,
que se agregan de acuerdo con la estructura establecida por la Direcci\u00f3n del Grupo para configurar unidades de \u00e1mbito superior y,
finalmente, los propios segmentos de negocio.
A cierre del ejercicio de 2022, la estructura de la informaci\u00f3n por segmentos de negocio reportadas por el Grupo BBVA coincide con
respecto a la presentada a cierre del ejercicio 2021.
A continuaci\u00f3n, se detallan las \u00e1reas o segmentos de negocio del Grupo BBVA:
\u2013Espa\u00f1a incorpora fundamentalmente la actividad bancaria, de seguros y de gesti\u00f3n de activos que el Grupo realiza en este pa\u00eds,
incluyendo la parte proporcional de los resultados de la nueva sociedad surgida a finales de 2020 del acuerdo de bancaseguros
alcanzado con Allianz (ver Nota 3).
\u2013M\u00e9xico incluye los negocios bancarios, de seguros y de gesti\u00f3n de activos en este pa\u00eds, as\u00ed como la actividad que BBVA M\u00e9xico
desarrolla a trav\u00e9s de su agencia en Houston.
\u2013Turqu\u00eda reporta la actividad del Grupo Garanti BBVA que se desarrolla b\u00e1sicamente en este pa\u00eds y, en menor medida, en
Ruman\u00eda y Pa\u00edses Bajos.
\u2013Am\u00e9rica del Sur incluye la actividad bancaria, financiera, de seguros y de gesti\u00f3n de activos que se desarrolla, principalmente,
en Argentina, Chile, Colombia, Per\u00fa, Uruguay y Venezuela.
\u2013Resto de Negocios incorpora principalmente la actividad mayorista desarrollada en Europa (excluida Espa\u00f1a), Estados Unidos y
las sucursales de BBVA en Asia.
El Centro Corporativo ejerce funciones centralizadas del Grupo, las cuales incluyen: los costes de las unidades centrales que tienen
una funci\u00f3n corporativa; la gesti\u00f3n de las posiciones estructurales de tipo de cambio; carteras cuya gesti\u00f3n no est\u00e1 vinculada a
relaciones con la clientela, tales como las participaciones industriales y financieras; las participaciones en empresas tecnol\u00f3gicas a
trav\u00e9s de fondos y veh\u00edculos de inversi\u00f3n; ciertos activos y pasivos por impuestos; fondos por compromisos con empleados; fondos
de comercio y otros intangibles as\u00ed como la financiaci\u00f3n de dichas carteras y activos. Adicionalmente incluye los resultados
generados por los negocios del Grupo en Estados Unidos hasta su venta a PNC el 1 de junio de 2021 (ver Nota 21), present\u00e1ndose
dichos resultados en una \u00fanica l\u00ednea denominada \u201cGanancias (p\u00e9rdidas) despu\u00e9s de impuestos procedentes de actividades
interrumpidas\u201d de la cuenta de p\u00e9rdidas y ganancias resumida consolidada del Centro Corporativo.
Por \u00faltimo, los costes asociados al procedimiento de despido colectivo y el cierre de oficinas de Banco Bilbao Vizcaya Argentaria, S.A.
llevado a cabo en Espa\u00f1a durante el ejercicio 2021, registrados en la l\u00ednea de \"Provisiones\", \"Provisiones y reversi\u00f3n de provisiones\",
\"Deterioro del valor o reversi\u00f3n del deterioro del valor de activos no financieros\" y \"Ganancias (p\u00e9rdidas) procedentes de activos no
corrientes y grupos enajenables de elementos clasificados como mantenidos para la venta no admisibles como actividades
interrumpidas\" (ver Notas 24, 46, 49 y 50).
El desglose del activo total del Grupo BBVA por segmentos de negocio a 31 de diciembre de 2022, 2021 y 2020 es el siguiente:
Total activos del Grupo por segmentos de negocio (Millones de euros)
2022
2021 \u207d\u00b9\u207e
2020 \u207d\u00b9\u207e
Espa\u00f1a
427.193
413.430
408.022
M\u00e9xico
143.405
118.106
110.236
Turqu\u00eda
66.043
56.245
59.585
Am\u00e9rica del Sur
62.067
56.124
55.436
Resto de Negocios
49.952
40.328
35.194
Subtotal activos por \u00e1reas de negocio
748.660
684.233
668.474
Centro Corporativo y ajustes (2)
(35.520)
(21.348)
65.323
Total activos Grupo BBVA
713.140
662.885
733.797
El saldo de los pr\u00e9stamos existentes para los que se ha concedido una moratoria (separado entre las vigentes al cierre del ejercicio y
las finalizadas al cierre del ejercicio) seg\u00fan los criterios de la EBA y para los que se ha concedido financiaci\u00f3n con garant\u00eda p\u00fablica
otorgadas a nivel de Grupo por segmento a 31 de diciembre de 2022 y 2021 son los siguientes:
Importes de moratorias y financiaci\u00f3n con garant\u00eda p\u00fablica por concepto (Millones de euros)
Moratorias
Financiaci\u00f3n con
garant\u00eda p\u00fablica
Vigentes
Finalizadas
Total
2022
2021
2022
2021
2022
2021
2022
2021
Grupo
\u2014
189
18.103
21.743
18.103
21.931
13.955
16.093
Hogares
\u2014
107
12.974
14.904
12.974
15.011
1.302
1.376
Del que: Hipotecas
\u2014
97
9.542
10.195
9.542
10.291
5
6
PyMEs
\u2014
44
2.725
3.950
2.725
3.994
9.672
10.911
Entidades no financieras
\u2014
37
2.315
2.766
2.315
2.803
2.964
3.788
Resto
\u2014
\u2014
90
122
90
122
18
18
En Espa\u00f1a, en el caso de las operaciones morosas con aval ICO, el Ministerio de Asuntos Econ\u00f3micos y Transformaci\u00f3n Digital
deviene en obligado principal de las obligaciones avaladas desde la comunicaci\u00f3n al ICO de la ejecuci\u00f3n del aval. Esto ocurre tambi\u00e9n
en caso de vencimiento anticipado de la deuda, sin perjuicio de que los pagos se realicen seg\u00fan el calendario inicialmente pactado
entre el cliente y la entidad. A partir de ese momento se dar\u00e1 de baja la deuda original con el cliente reconociendo simult\u00e1neamente
un derecho de cr\u00e9dito frente al Ministerio.
7.2.1C\u00e1lculo de p\u00e9rdidas esperadas
La NIIF 9 requiere cuantificar la p\u00e9rdida esperada (\u201cExpected Credit Loss\u201d o \u201cECL\u201d) de un instrumento financiero de tal manera que
refleje una estimaci\u00f3n imparcial eliminando cualquier grado de conservadurismo u optimismo, e incluyendo el valor temporal del
dinero y la informaci\u00f3n forward-looking (incluyendo una previsi\u00f3n sobre la econom\u00eda), todo ello en base a la informaci\u00f3n que est\u00e9
disponible en un determinado momento y que sea razonable y soportable respecto a las condiciones econ\u00f3micas futuras.
Por lo tanto, el reconocimiento y la valoraci\u00f3n de las p\u00e9rdidas esperadas son altamente complejos e implican la utilizaci\u00f3n de an\u00e1lisis
y estimaciones significativas que incluyen tanto la formulaci\u00f3n como la consideraci\u00f3n de dichas condiciones econ\u00f3micas futuras en el
modelo de p\u00e9rdidas esperadas.
La modelizaci\u00f3n del c\u00e1lculo de las p\u00e9rdidas esperadas est\u00e1 sometida a un sistema de gobierno que es com\u00fan para todo el Grupo.
Dentro de ese marco com\u00fan, cada \u00e1rea geogr\u00e1fica realiza las adaptaciones necesarias para capturar sus particularidades.
Anualmente se revisa la metodolog\u00eda, supuestos y observaciones utilizados por cada \u00e1rea geogr\u00e1fica, y tras un proceso de validaci\u00f3n
y aprobaci\u00f3n, el resultado de esta revisi\u00f3n se incorpora a los c\u00e1lculos de las p\u00e9rdidas esperadas.
Par\u00e1metros de riesgo por grupos homog\u00e9neos
Las p\u00e9rdidas esperadas se pueden estimar tanto de forma individual como de manera colectiva. Respecto a la estimaci\u00f3n colectiva,
los instrumentos se distribuyen en grupos homog\u00e9neos (segmentos) que comparten caracter\u00edsticas de riesgo similares. Siguiendo
las directrices establecidas por el Grupo para el desarrollo de modelos bajo NIIF 9, cada \u00e1rea geogr\u00e1fica realiza la agrupaci\u00f3n en
funci\u00f3n de la informaci\u00f3n disponible, su representatividad o relevancia y el cumplimiento de los requisitos estad\u00edsticos necesarios.
Dependiendo del segmento o del par\u00e1metro a estimar, los ejes de riesgo a aplicar pueden ser diferentes, y los segmentos reflejan las
diferencias en las PD y LGD. Por lo tanto, dentro de cada segmento, la variaci\u00f3n en el nivel de riesgo de cr\u00e9dito responde al impacto
de las condiciones cambiantes en los factores comunes de las caracter\u00edsticas de riesgo de cr\u00e9dito. Tambi\u00e9n se tiene en cuenta el
efecto sobre el riesgo de cr\u00e9dito de los cambios en la informaci\u00f3n prospectiva, por lo que la modelizaci\u00f3n macroecon\u00f3mica para cada
segmento se lleva a cabo utilizando algunas de las caracter\u00edsticas de riesgo compartidas.
Los segmentos comparten caracter\u00edsticas de riesgo de cr\u00e9dito de manera que los cambios en el riesgo de cr\u00e9dito de una parte de la
cartera no queden ocultos por el desempe\u00f1o de otras partes de la cartera. En este sentido la metodolog\u00eda desarrollada para el c\u00e1lculo
de p\u00e9rdidas crediticias se\u00f1ala los ejes de riesgo que han de tenerse en cuenta para la segmentaci\u00f3n de la Probabilidad de
Incumplimiento (PD), distinguiendo entre carteras mayoristas y minoristas.
Como ejemplo de las variables que se pueden tener en consideraci\u00f3n para determinar los modelos finales, se destacan las siguientes:
\u2013PD \u2013 Minorista: Vencimiento residual contractual, Puntuaci\u00f3n (score) del riesgo de cr\u00e9dito, Tipo de producto, D\u00edas en
incumplimiento, Refinanciado (contrato), Tiempo contractual transcurrido, Plazo hasta vencimiento, Nacionalidad del
deudor, Canal de venta, Plazo original, Indicador de actividad de la tarjeta de cr\u00e9dito, porcentaje de uso inicial en tarjetas de
cr\u00e9dito (PUI).
\u2013PD \u2013 Mayorista: Rating (calificaci\u00f3n) del riesgo de cr\u00e9dito, Tipo de producto, Nivel de watch list, refinanciado (cliente), Plazo
hasta vencimiento, Sector industrial, Balance actualizado (S/N), Cancelaci\u00f3n, Periodo de gracia.
\u2013LGD \u2013 Minorista: Puntuaci\u00f3n (score) del riesgo de cr\u00e9dito, Segmento, Tipo de producto, Garantizado/ No garantizado, Tipo
de garant\u00eda, Canal de venta, Nacionalidad, \u00c1rea de Negocio, Segmento comercial del deudor, Refinanciado (contrato), EAD
(esta caracter\u00edstica de riesgo podr\u00eda estar correlacionada con el tiempo contractual transcurrido o el ratio pr\u00e9stamo/valor
por lo que, antes de incluirse, debe llevarse a cabo una evaluaci\u00f3n para evitar una doble contabilidad), El tiempo que el
contrato lleva incumplido (en el caso de exposiciones incumplidas), Ubicaci\u00f3n geogr\u00e1fica.
\u2013LGD \u2013 Mayorista: Rating (calificaci\u00f3n) del riesgo de cr\u00e9dito, Ubicaci\u00f3n geogr\u00e1fica, Segmento, Tipo de producto,
Garantizado/ No garantizado, Tipo de garant\u00eda, \u00c1rea de Negocio, Refinanciado (cliente), Segmento comercial del deudor, El
tiempo que la operaci\u00f3n lleva incumplida (en el caso de exposiciones incumplidas).
\u2013CCF \u2013 Mayorista/minorista, Producto, PUI, Segmento comercial del deudor, D\u00edas de retraso, Refinanciaciones, L\u00edmite de
cr\u00e9dito, Actividad, Tiempo contractual transcurrido.
En el Grupo BBVA las p\u00e9rdidas esperadas calculadas se basan en los modelos internos desarrollados para todas las carteras del
Grupo, a no ser que los clientes est\u00e9n sujetos a la estimaci\u00f3n individualizada.
La cartera Low Default Portfolio (que incluye carteras con alta calidad crediticia como exposiciones con instituciones financieras,
deuda soberana o corporativas; as\u00ed como carteras de pocos clientes con exposiciones muy elevadas por ejemplo specialized lending o
renta fija) se caracterizan por presentar un n\u00famero reducido de incumplimientos por lo que las bases hist\u00f3ricas del Grupo no
contienen informaci\u00f3n suficientemente representativa para construir modelos de deterioro en base a las mismas. Sin embargo,
existen fuentes de informaci\u00f3n externas que, en funci\u00f3n de observaciones m\u00e1s amplias, son capaces de proporcionar los inputs
necesarios para desarrollar modelos de p\u00e9rdidas esperadas. Por ello, en base al rating asignado a estas exposiciones y teniendo en
cuenta los inputs obtenidos de dichas fuentes, se desarrollan internamente los c\u00e1lculos de las p\u00e9rdidas esperadas, incluida su
proyecci\u00f3n en funci\u00f3n de las perspectivas macroecon\u00f3micas.
Estimaci\u00f3n individualizada de las p\u00e9rdidas esperadas
El Grupo revisa peri\u00f3dicamente y de forma individualizada la situaci\u00f3n y calificaci\u00f3n crediticia de sus clientes, con independencia de
su clasificaci\u00f3n, contando para ello con la informaci\u00f3n que se considera necesaria. Asimismo, tiene establecidos procedimientos
dentro del marco de gesti\u00f3n de riesgos para identificar los factores que pueden conducir a un aumento de riesgo y, en consecuencia,
a una mayor necesidad de provisiones.
El modelo de seguimiento establecido por el Grupo consiste en monitorear de forma continua los riesgos a los que est\u00e1 expuesto, lo
que garantiza la adecuada clasificaci\u00f3n de los mismos en las diferentes categor\u00edas de NIIF 9. El an\u00e1lisis original de las exposiciones se
revisa a trav\u00e9s de los procedimientos de actualizaci\u00f3n de las herramientas de calificaci\u00f3n (rating y scoring), que peri\u00f3dicamente
revisan la situaci\u00f3n financiera de los clientes, influyendo en la clasificaci\u00f3n por stages de las exposiciones.
Dentro de ese marco de gesti\u00f3n del riesgo de cr\u00e9dito, el Grupo cuenta con procedimientos que garantizan la revisi\u00f3n, al menos anual,
de todas sus contrapartidas mayoristas a trav\u00e9s de los denominados programas financieros, que recogen el posicionamiento actual y
propuesto del Grupo con el cliente en materia de riesgo de cr\u00e9dito. Esta revisi\u00f3n se basa en un an\u00e1lisis detallado de la situaci\u00f3n
financiera actualizada del cliente, que se complementa con otra informaci\u00f3n disponible en relaci\u00f3n a las perspectivas individuales
sobre la evoluci\u00f3n del negocio, tendencias del sector, perspectivas macroecon\u00f3micas u otro tipo de datos p\u00fablicos. Como
consecuencia de este an\u00e1lisis se obtiene el rating preliminar del cliente que, tras someterse al procedimiento interno, puede ser
revisado a la baja si se estima conveniente (por ejemplo, entorno econ\u00f3mico general o evoluci\u00f3n del sector). Estos factores
adicionales a la informaci\u00f3n que pueda proporcionar el cliente se utilizan para revisar las calificaciones incluso antes de que se
realicen las revisiones del plan financiero programadas si las circunstancias as\u00ed lo aconsejan.
Adicionalmente, el Grupo tiene establecidos procedimientos para identificar a los clientes mayoristas en la categor\u00eda interna de watch
list, que se define como aquel riesgo en el que, derivado de un an\u00e1lisis crediticio individualizado, se aprecia un aumento del riesgo de
cr\u00e9dito, ya sea por dificultades econ\u00f3micas o financieras o porque haya sufrido, o se estime que vaya a sufrir, situaciones adversas en
su entorno, sin cumplir los criterios para su clasificaci\u00f3n como riesgo deteriorado. Seg\u00fan este procedimiento, todas las exposiciones
de un cliente en watch list se consideran en stage 2 independientemente de cuando se han originado, si como resultado del an\u00e1lisis se
considera que el cliente ha aumentado significativamente su riesgo.
Por \u00faltimo, el Grupo cuenta con los denominados Comit\u00e9s de Workout, tanto locales como corporativos, los cuales analizan no solo la
situaci\u00f3n y evoluci\u00f3n de los clientes significativos en situaci\u00f3n de watch list o deteriorados, sino tambi\u00e9n aquellos clientes
significativos en los que, sin haber sido calificados todav\u00eda en watch list, pueden presentar alguna exposici\u00f3n clasificada en stage 2
por un motivo cuantitativo (comparaci\u00f3n de PD desde la originaci\u00f3n). Este an\u00e1lisis se realiza con el fin de decidir si, derivado de esa
situaci\u00f3n, se deben considerar todas las exposiciones del cliente en la categor\u00eda de watch list, lo cual implicar\u00eda la migraci\u00f3n de la
totalidad de las operaciones del cliente a stage 2 con independencia de la fecha en la que se han originado las mismas.
Con ello, el Grupo se asegura de la revisi\u00f3n individualizada de la calidad crediticia de sus contrapartidas mayoristas, identificando las
situaciones en las que se puede haber producido un cambio en el perfil de riesgo de estos clientes y procediendo, en su caso, a la
estimaci\u00f3n individualizada de las p\u00e9rdidas crediticias. Junto a esa revisi\u00f3n, el Grupo estima individualmente las p\u00e9rdidas esperadas
de aquellos clientes cuya exposici\u00f3n total supere determinados umbrales, incluyendo aquellos que parte de sus operaciones puedan
estar clasificadas en stage 1 y parte en stage 2. En la fijaci\u00f3n de umbrales, cada \u00e1rea geogr\u00e1fica determina el importe m\u00ednimo de la
exposici\u00f3n de un cliente cuyas p\u00e9rdidas esperadas deben ser estimadas individualmente teniendo en cuenta lo siguiente:
\u2013Para clientes con exposiciones en stage 3. El an\u00e1lisis de clientes con riesgo total por encima del umbral implica analizar al
menos el 40% del riesgo total de la cartera mayorista en stage 3. Aunque la calibraci\u00f3n del umbral se realiza en la cartera
mayorista, los clientes de otras carteras deben analizarse si superan el umbral y est\u00e1n en stage 3.
\u2013Para el resto de situaciones. El an\u00e1lisis de clientes con riesgo total por encima del umbral implica analizar al menos el 20%
del riesgo total de la cartera mayorista en watch list. Aunque la calibraci\u00f3n del umbral se realiza sobre la exposici\u00f3n
clasificada como watch list, los clientes mayoristas o pertenecientes a otras carteras que tengan exposiciones clasificadas
en stage 2 y cuya exposici\u00f3n total supere el citado umbral deben analizarse individualmente, considerando tanto las
exposiciones clasificadas en stage 1 como en stage 2.
En relaci\u00f3n a la metodolog\u00eda utilizada para la estimaci\u00f3n individualizada de las p\u00e9rdidas esperadas, cabe mencionar, en primer lugar,
que \u00e9stas se definen como la diferencia entre el importe en libros bruto del activo y el valor presente de los flujos de caja futuros
estimados descontados a la tasa de inter\u00e9s efectiva original del activo financiero.
La cantidad recuperable estimada debe corresponder a la cantidad calculada seg\u00fan el siguiente m\u00e9todo:
\u2013El valor actual de los flujos de caja futuros estimados, descontados al tipo de inter\u00e9s efectivo original del activo financiero; y
\u2013La estimaci\u00f3n de la cuant\u00eda recuperable de una exposici\u00f3n garantizada refleja los flujos de caja que pueden resultar de la
liquidaci\u00f3n de la garant\u00eda, teniendo en cuenta los costes asociados, as\u00ed como la informaci\u00f3n de car\u00e1cter prospectivo que el
analista incluye en su an\u00e1lisis de manera impl\u00edcita.
La estimaci\u00f3n de los flujos de caja futuros depende del tipo de an\u00e1lisis que se realice, que puede ser:
\u2013\"Going concern\": Cuando se dispone de informaci\u00f3n actualizada y fiable sobre la solvencia y capacidad de pago de los
titulares o garantes. Los flujos de caja de explotaci\u00f3n del deudor, o del garante, contin\u00faan y pueden utilizarse para
reembolsar la deuda financiera a todos los acreedores. Adem\u00e1s, puede considerar el flujo resultante de la ejecuci\u00f3n de la
garant\u00eda en la medida en que no influya en los flujos de caja de las operaciones. Como principios generales de este tipo de
enfoque se destacan los siguientes:
a.Las estimaciones de los flujos de caja futuros deben basarse en los estados financieros actualizados del deudor/
garante.
b.Cuando las proyecciones realizadas sobre dichos estados financieros supongan una tasa de crecimiento, se debe
utilizar una tasa de crecimiento constante o decreciente a lo largo de un per\u00edodo m\u00e1ximo de crecimiento de 3 a 5
a\u00f1os, y posteriormente flujos de caja constantes.
c.La tasa de crecimiento debe basarse en el an\u00e1lisis de la evoluci\u00f3n de los estados financieros del deudor o en un
plan de reestructuraci\u00f3n empresarial s\u00f3lido y aplicable, teniendo en cuenta los cambios resultantes en la
estructura de la empresa (por ejemplo, debido a desinversiones o a la interrupci\u00f3n de l\u00edneas de negocio no
rentables).
d.Deber\u00edan considerarse las (re)-inversiones necesarias para preservar los flujos de caja, as\u00ed como cualquier cambio
futuro previsible de los flujos de caja (por ejemplo, si expira una patente o un contrato a largo plazo).
e.Cuando los flujos se basan en la realizaci\u00f3n de la enajenaci\u00f3n de algunos activos del deudor, su valoraci\u00f3n debe
reflejar una valoraci\u00f3n actualizada, una estimaci\u00f3n del tiempo necesario hasta su realizaci\u00f3n y considerar los
costos estimados relacionados con la enajenaci\u00f3n.
\u2013\"Gone concern\": Cuando no se dispone de informaci\u00f3n actualizada y fiable se considera que la estimaci\u00f3n de los flujos de
pr\u00e9stamos por cobrar es de gran incertidumbre. El an\u00e1lisis debe realizarse mediante la estimaci\u00f3n de las cantidades
recuperables a partir de las garant\u00edas reales efectivas recibidas. No ser\u00e1n admisibles como garant\u00edas efectivas, aquellas
cuya efectividad dependa sustancialmente de la solvencia del deudor o del grupo econ\u00f3mico en el que participe. Bajo el
escenario de gone concern, se ejerce la garant\u00eda y cesa el flujo de efectivo operativo del deudor. En particular, este enfoque
debe utilizarse cuando:
a.La exposici\u00f3n ha estado vencida durante un largo per\u00edodo. Existe una presunci\u00f3n refutable de que la provisi\u00f3n
debe estimarse con arreglo a un criterio de \u201cGone concern\u201d cuando los atrasos son superiores a 18 meses.
b.Se estima que los flujos de caja futuros de explotaci\u00f3n del deudor son bajas o negativas.
c.La exposici\u00f3n est\u00e1 considerablemente garantizada y esta garant\u00eda es fundamental para la generaci\u00f3n de flujos de
caja.
d.Existe un grado significativo de incertidumbre en torno a la estimaci\u00f3n de los futuros flujos de caja. As\u00ed ocurrir\u00eda si
los beneficios antes de intereses, impuestos, depreciaci\u00f3n y amortizaci\u00f3n (EBITDA) de los dos a\u00f1os anteriores
hubieran sido negativos, o si los planes comerciales de los a\u00f1os anteriores hubieran sido defectuosos (debido a
discrepancias importantes en el backtesting).
e.No se dispone de informaci\u00f3n suficiente para realizar un an\u00e1lisis \u201cGoing concern\u201d.
Incremento significativo del riesgo
Como se ha indicado en la Nota 2.2, los criterios para la identificaci\u00f3n del incremento significativo del riesgo se aplican de forma
coherente en todo el Grupo, distinguiendo entre motivos cuantitativos o por comparaci\u00f3n de probabilidades de incumplimiento y
motivos cualitativos (m\u00e1s de 30 d\u00edas de impago, consideraci\u00f3n de watch list o refinanciaciones no deterioradas).
Para la gesti\u00f3n del riesgo de cr\u00e9dito el Grupo utiliza toda la informaci\u00f3n relevante que est\u00e9 disponible y que pueda afectar a la calidad
crediticia de las exposiciones. Esta informaci\u00f3n puede proceder principalmente de los procesos internos de admisi\u00f3n, an\u00e1lisis y
seguimiento de las operaciones, de la estrategia definida por el Grupo en cuanto al precio de las operaciones o distribuci\u00f3n por \u00e1reas
geogr\u00e1ficas, productos o sectores de actividad, de la observancia del entorno macroecon\u00f3mico, de datos de mercado como curvas
de tipos de inter\u00e9s, o cotizaciones de los diferentes instrumentos financieros, o de fuentes externas de calificaci\u00f3n crediticia.
Este conjunto de informaci\u00f3n es la base para determinar los rating y scoring (ver la Nota 7.2.4 para m\u00e1s informaci\u00f3n sobre sistemas
de rating y scoring) correspondientes a cada una de las exposiciones y que tienen asignada una probabilidad de incumplimiento (PD)
que, como ya se ha mencionado, se somete anualmente a un proceso de revisi\u00f3n que eval\u00faa su representatividad (backtesting) y
actualizaci\u00f3n con las nuevas observaciones. Adem\u00e1s, se ha modelizado la proyecci\u00f3n de estas PDs en el tiempo en funci\u00f3n de las
expectativas macroecon\u00f3micas, lo que permite obtener las probabilidades de incumplimiento a lo largo de la vida de las operaciones.
A partir de esa metodolog\u00eda com\u00fan, y conforme a lo previsto en la NIIF 9 y en las directrices de la EBA sobre pr\u00e1cticas de gesti\u00f3n del
riesgo de cr\u00e9dito, cada \u00e1rea geogr\u00e1fica ha establecido umbrales absolutos y relativos para identificar si los cambios esperados en las
probabilidades de incumplimiento han aumentado significativamente respecto al momento inicial, adaptados a particularidades de
cada una de ellas en cuanto a niveles de originaci\u00f3n, caracter\u00edsticas de los productos, distribuci\u00f3n por sectores o carteras y situaci\u00f3n
macroecon\u00f3mica. Para el establecimiento de los citados umbrales se consideran una serie de principios generales como son:
\u2013Uniformidad: Basado en los sistemas de rating y scoring que, de manera homog\u00e9nea, est\u00e1n implantados en las unidades del
Grupo.
\u2013Estabilidad: Los umbrales deben establecerse para identificar el incremento significativo de riesgo producido en las
exposiciones desde su reconocimiento inicial y no s\u00f3lo para identificar aquellas situaciones en las que ya sea previsible que
alcancen el nivel de deterioro. Por ello es de esperar que del total de exposiciones siempre exista un conjunto
representativo para el que se identifique dicho incremento de riesgo.
\u2013Anticipaci\u00f3n: Los umbrales deben considerar la identificaci\u00f3n del incremento de riesgo con anticipaci\u00f3n respecto al
reconocimiento de las exposiciones como deterioradas o incluso con anterioridad a que se produzca un impago real. La
calibraci\u00f3n de los umbrales debe minimizar los casos en los que los instrumentos se clasifican en stage 3 sin haber sido
previamente reconocidos como stage 2.
\u2013Indicadores o m\u00e9tricas: Se espera que la clasificaci\u00f3n de las exposiciones en stage 2 tenga la suficiente permanencia como
para permitir desarrollar una gesti\u00f3n anticipatoria de las mismas antes de que, en su caso, acaben migrando a stage 3.
\u2013Simetr\u00eda: La NIIF 9 prev\u00e9 un tratamiento sim\u00e9trico tanto para la identificaci\u00f3n del incremento significativo de riesgo como
para identificar que el mismo ha desaparecido, por lo que los umbrales tambi\u00e9n funcionan para mejorar la clasificaci\u00f3n
crediticia de las exposiciones. En este sentido, se espera que sean m\u00ednimos los casos en los que las exposiciones que
mejoren desde stage 3 sean directamente clasificadas en stage 1.
\u2013La identificaci\u00f3n del incremento significativo de riesgo a partir de la comparaci\u00f3n de las probabilidades de incumplimiento
debe ser el principal motivo por el que se reconocen las exposiciones en stage 2.
En concreto, un contrato ser\u00e1 transferido a stage 2 cuando se cumplan las dos condiciones siguientes comparando los valores
actuales de PD y los valores de PD de originaci\u00f3n:
(PD actual) / (PD originaci\u00f3n) - 1*100 > Umbral relativo (%) y
PD actual \u2013 PD originaci\u00f3n > Umbral absoluto (pbs)
Estos umbrales absolutos y relativos se establecen de manera consistente por cada \u00e1rea geogr\u00e1fica y para cada cartera atendiendo a
sus particularidades y fundamentados en los principios descritos. Los umbrales fijados por cada \u00e1rea geogr\u00e1fica est\u00e1n incluidos
dentro del proceso de revisi\u00f3n anual y, a nivel general, se encuentran en el rango de 150% a 250%, para el umbral relativo y de 10 a
150 puntos b\u00e1sicos para el umbral absoluto. En concreto, la cartera mayorista de BBVA, S.A. tiene un rango en el umbral relativo de
160% a 180% y de 30 a 100 puntos b\u00e1sicos en umbral absoluto; en la cartera minorista el umbral relativo se encuentra entre 150% y
200% mientras que el umbral absoluto oscila entre 50 y 100 puntos b\u00e1sicos. En cuanto a BBVA M\u00e9xico, el umbral relativo para la
cartera mayorista se encuentra entre el 180% y el 200% y el absoluto entre 30 y 75 puntos b\u00e1sicos; para la cartera minorista, la
mayor parte de la misma tiene un umbral relativo entre 170% y 250% y un umbral absoluto entre 10 y 100 puntos b\u00e1sicos.
El establecimiento de umbrales absolutos y relativos, as\u00ed como sus diferentes niveles atiende a lo previsto en la NIIF 9 cuando indica
que un cambio determinado, en t\u00e9rminos absolutos, en el riesgo de que se produzca un impago ser\u00e1 m\u00e1s significativo para un
instrumento financiero con un riesgo inicial menor de que se produzca un impago en comparaci\u00f3n con un instrumento financiero con
un riesgo inicial mayor de que se produzca un impago.
Para contratos existentes antes de la implantaci\u00f3n de NIIF 9, dadas las limitaciones en la informaci\u00f3n disponible sobre los mismos,
los umbrales est\u00e1n calibrados en base a las PD obtenidas de los modelos prudenciales o econ\u00f3micos para el c\u00e1lculo de capital.
Par\u00e1metros de riesgo por grupos ajustados por escenarios macroecon\u00f3micos
La p\u00e9rdida esperada debe incluir informaci\u00f3n forward-looking para cumplir con la NIIF 9 que indica que una informaci\u00f3n completa
sobre el riesgo de cr\u00e9dito debe considerar no solo informaci\u00f3n sobre el pasado sino tambi\u00e9n toda la informaci\u00f3n de cr\u00e9dito que sea
relevante, incluyendo la informaci\u00f3n sobre la perspectiva macroecon\u00f3mica. El Grupo BBVA utiliza los par\u00e1metros de riesgo de cr\u00e9dito
cl\u00e1sicos PD, LGD y EAD para calcular la p\u00e9rdida esperada de sus carteras de cr\u00e9dito.
El enfoque metodol\u00f3gico del Grupo BBVA para incorporar la informaci\u00f3n forward-looking tiene como objetivo determinar la relaci\u00f3n
entre variables macroecon\u00f3micas y par\u00e1metros de riesgo siguiendo tres pasos principales:
\u2013Paso 1: an\u00e1lisis y transformaci\u00f3n de series temporales de datos.
\u2013Paso 2: para cada variable dependiente encontrar modelos de previsi\u00f3n condicionales que sean econ\u00f3micamente
consistentes.
\u2013Paso 3: elegir el mejor modelo de previsi\u00f3n condicional del conjunto de candidatos definidos en el paso 2, basado en su
capacidad de previsi\u00f3n.
Reflejo de los escenarios econ\u00f3micos en el c\u00e1lculo de la p\u00e9rdida esperada
El componente forward-looking se a\u00f1ade al c\u00e1lculo de la p\u00e9rdida esperada a trav\u00e9s de la introducci\u00f3n de escenarios
macroecon\u00f3micos como un input. El input depende en gran medida de una combinaci\u00f3n de regi\u00f3n y cartera, puesto que cada input se
adapta a los datos disponibles respecto a cada una de ellas.
Bas\u00e1ndose en la teor\u00eda y en el an\u00e1lisis econ\u00f3mico, los factores m\u00e1s relevantes relacionados con la explicaci\u00f3n y la previsi\u00f3n de los
par\u00e1metros de riesgo seleccionados (PD, LGD y EAD) son:
\u2013Los ingresos netos de familias, empresas y administraciones p\u00fablicas.
\u2013El importe de los pagos pendientes sobre principal e intereses de los instrumentos financieros.
\u2013El valor de los colaterales pignorados.
El Grupo BBVA estima estos par\u00e1metros utilizando un indicador aproximado a partir del conjunto de variables incluidas en los
escenarios macroecon\u00f3micos facilitados por el departamento de BBVA Research.
\u00danicamente se utiliza un indicador espec\u00edfico por cada una de las tres categor\u00edas y s\u00f3lo uno de los siguientes indicadores
macroecon\u00f3micos core deben ser considerados como primera opci\u00f3n:
\u2013El crecimiento real del PIB se puede considerar en la previsi\u00f3n condicional como el \u00fanico factor que se requiere para
capturar la influencia de todos los escenarios macro-financieros potencialmente relevantes sobre PD y LGD internos.
\u2013El tipo de inter\u00e9s a corto plazo m\u00e1s representativo (normalmente la tasa b\u00e1sica o el rendimiento de la deuda soberana m\u00e1s
l\u00edquida o el tipo interbancario) o tipos de cambio expresados en t\u00e9rminos reales.
\u2013Un \u00edndice de precios para propiedades inmobiliarias, representativo y expresado en t\u00e9rminos reales, en el caso de hipotecas
y un \u00edndice representativo y en t\u00e9rminos reales, para las mercanc\u00edas relevantes de la cartera de cr\u00e9ditos mayorista
concentrado en exportadores o productores de esa mercanc\u00eda.
Al crecimiento real del PIB se est\u00e1 dando prioridad sobre cualquier otro indicador no solo porque es el indicador m\u00e1s comprensivo
para ingresos y la actividad econ\u00f3mica sino tambi\u00e9n porque se trata de la variable central en la generaci\u00f3n de escenarios
macroecon\u00f3micos.
Enfoque de m\u00faltiples escenarios
La NIIF 9 requiere el c\u00e1lculo de una valoraci\u00f3n a base de una probabilidad ponderada insesgada de la p\u00e9rdida esperada a trav\u00e9s de la
evaluaci\u00f3n de un rango de posibles valores incluyendo las previsiones de condiciones futuras econ\u00f3micas.
Los equipos de BBVA Research del Grupo producen las previsiones de las variables macroecon\u00f3micas bajo el escenario de base
(\u201cbaseline scenario\u201d) que se est\u00e1n utilizando en el resto de los procesos del Grupo, tales como presupuesto, ICAAP y Marco de
Apetito de Riesgo as\u00ed como stress testing, etc.
Adicionalmente, los equipos de BBVA Research generan los escenarios alternativos al escenario de base para cumplir con los
requerimientos de la NIIF 9.
Escenarios macroecon\u00f3micos alternativos
\u2013Para cada variable macro-financiera, BBVA Research genera tres escenarios.
\u2013BBVA Research monitoriza, analiza y pronostica el entorno econ\u00f3mico para facilitar una evaluaci\u00f3n forward-looking
consistente del escenario m\u00e1s probable, as\u00ed como de los riesgos que afectan a los pa\u00edses donde opera BBVA. Para generar
los escenarios econ\u00f3micos, BBVA Research combina datos oficiales, t\u00e9cnicas econom\u00e9tricas y su criterio experto.
\u2013Cada uno de estos escenarios corresponde al valor esperado de un \u00e1rea diferente de la distribuci\u00f3n probabil\u00edstica de las
posibles proyecciones de las variables econ\u00f3micas.
\u2013El componente no lineal en la estimaci\u00f3n de las p\u00e9rdidas esperadas se define como el ratio entre la probabilidad ponderada
de la p\u00e9rdida esperada bajo los escenarios alternativos y el escenario de base, donde la probabilidad de los escenarios
depende de la distancia entre los escenarios alternativos y el escenario de base.
\u2013El Grupo BBVA establece escenarios ponderados de manera equitativa, siendo la probabilidad del escenario base del 34%,
la del 33% para el escenario alternativo m\u00e1s desfavorable y la del positivo 33% para el escenario alternativo m\u00e1s favorable.
El enfoque del Grupo BBVA consiste en el uso del escenario que es m\u00e1s probable, el escenario de base, que es consistente con el
resto de los procesos internos (ICAAP, presupuesto, etc.), sobre el que se incorpora el efecto de utilizar m\u00faltiples escenarios. Este
efecto se calcula teniendo en cuenta el peso ponderado de la p\u00e9rdida esperada determinada para cada uno de los escenarios.
Hay que destacar que en general, se espera que el efecto resultante de utilizar m\u00faltiples escenarios sea incrementar las p\u00e9rdidas
esperadas respecto a las estimadas en el escenario central, aunque pudiera ser posible que no se produjera dicho efecto en el caso de
que la relaci\u00f3n entre los escenarios macro y las p\u00e9rdidas fuese lineal.
Por otro lado, el Grupo BBVA tambi\u00e9n tiene en cuenta el rango de posibles escenarios en la definici\u00f3n de su incremento significativo
del riesgo. De esta manera, las PD empleadas en el proceso cuantitativo para la identificaci\u00f3n del incremento significativo de riesgo
ser\u00e1n las que resulten de hacer una media ponderada de las PD calculadas bajo los tres escenarios.
Escenarios macroecon\u00f3micos
La pandemia del COVID-19 gener\u00f3 una situaci\u00f3n de incertidumbre macroecon\u00f3mica con impacto directo en el riesgo de cr\u00e9dito de las
entidades y, en particular, sobre las p\u00e9rdidas esperadas bajo NIIF 9. Por ello, la pr\u00e1ctica totalidad de autoridades contables y
prudenciales de manera coordinada emitieron recomendaciones o medidas en el marco del tratamiento de la situaci\u00f3n provocada por
el COVID-19 dentro de los modelos de estimaci\u00f3n de p\u00e9rdidas esperadas bajo NIIF 9 en el ejercicio 2020. En este sentido, el Grupo
BBVA consider\u00f3 dichas recomendaciones en el c\u00e1lculo de las p\u00e9rdidas esperadas por riesgo de cr\u00e9dito bajo NIIF 9, considerando que
la situaci\u00f3n econ\u00f3mica provocada por la pandemia del COVID-19 era transitoria y que vendr\u00eda acompa\u00f1ada de una recuperaci\u00f3n
dadas las incertidumbres en cuanto al nivel y momento de la misma. Por tanto, para el c\u00e1lculo de dichas p\u00e9rdidas se consideraron
diversos escenarios, registrando el que a juicio de la entidad mejor respond\u00eda al momento econ\u00f3mico y al conjunto de las
recomendaciones de las autoridades.
Durante el ejercicio 2021, una vez que se super\u00f3 la fase m\u00e1s cr\u00edtica de la pandemia, la informaci\u00f3n forward looking incorporada en el
c\u00e1lculo de p\u00e9rdidas esperadas es acorde con las perspectivas macroecon\u00f3micas publicadas por BBVA Research como era habitual
hasta el inicio de la pandemia.\u00a0
BBVA Research pronostica un m\u00e1ximo de cinco a\u00f1os para las variables macro-econ\u00f3micas. La estimaci\u00f3n (escenarios favorable,
base y desfavorable) del crecimiento del Producto Interior Bruto (PIB), la tasa de desempleo y del \u00cdndice de Precios de la Vivienda
(IPV), para los pa\u00edses m\u00e1s relevantes donde representa un factor significativo, ha sido realizada por BBVA Research y se ha usado
para el c\u00e1lculo de las p\u00e9rdidas esperadas de cara al cierre a 31 de diciembre de 2022:
Escenario favorable de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2022
4,90 %
12,27 %
(2,96) %
2,97 %
3,28 %
0,84 %
7,59 %
10,00 %
2023
1,85 %
11,35 %
(0,61) %
1,45 %
3,04 %
4,23 %
6,61 %
8,85 %
2024
3,60 %
9,75 %
1,58 %
2,33 %
2,99 %
3,07 %
(0,70) %
10,76 %
2025
3,00 %
8,36 %
1,67 %
1,91 %
3,01 %
4,18 %
3,91 %
11,78 %
2026
2,95 %
7,02 %
2,20 %
1,78 %
3,01 %
3,26 %
3,90 %
11,81 %
2027
2,93 %
5,87 %
2,31 %
1,81 %
3,00 %
4,39 %
3,86 %
11,81 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2022
4,00 %
7,67 %
7,42 %
11,97 %
8,78 %
11,41 %
2023
5,12 %
7,28 %
3,86 %
9,39 %
2,04 %
12,20 %
2024
3,15 %
6,79 %
(1,02) %
7,68 %
2,07 %
12,77 %
2025
2,19 %
6,60 %
2,79 %
6,77 %
2,44 %
12,65 %
2026
2,21 %
6,52 %
2,87 %
6,89 %
3,11 %
12,15 %
2027
2,21 %
6,49 %
3,62 %
6,81 %
3,28 %
10,47 %
Escenario base de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2022
4,61 %
12,78 %
(3,50) %
2,56 %
3,32 %
0,95 %
5,47 %
10,53 %
2023
1,20 %
12,83 %
(2,41) %
0,58 %
3,20 %
4,14 %
3,02 %
10,30 %
2024
3,37 %
11,38 %
0,55 %
2,05 %
3,17 %
2,90 %
(1,50) %
11,75 %
2025
2,98 %
9,95 %
1,30 %
1,84 %
3,15 %
4,19 %
3,78 %
12,15 %
2026
2,95 %
8,58 %
1,74 %
1,76 %
3,14 %
3,27 %
3,78 %
12,00 %
2027
2,93 %
7,18 %
1,86 %
1,79 %
3,13 %
4,37 %
3,74 %
12,00 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2022
2,69 %
7,72 %
5,00 %
12,35 %
8,05 %
11,49 %
2023
2,54 %
7,48 %
(0,50) %
10,40 %
0,72 %
12,45 %
2024
2,42 %
7,03 %
(2,04) %
8,60 %
1,81 %
13,06 %
2025
2,19 %
6,80 %
2,70 %
7,38 %
2,44 %
12,94 %
2026
2,21 %
6,70 %
2,73 %
7,38 %
3,10 %
12,43 %
2027
2,21 %
6,68 %
3,49 %
7,30 %
3,28 %
10,65 %
Escenario desfavorable de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2022
4,33 %
13,26 %
(4,13) %
2,17 %
3,37 %
1,03 %
3,35 %
11,04 %
2023
0,58 %
14,26 %
(4,02) %
(0,28) %
3,38 %
3,97 %
(0,79) %
11,76 %
2024
3,15 %
12,95 %
(0,40) %
1,77 %
3,35 %
2,69 %
(2,49) %
12,82 %
2025
2,93 %
11,53 %
0,79 %
1,77 %
3,30 %
4,04 %
3,70 %
12,53 %
2026
2,91 %
10,14 %
0,99 %
1,72 %
3,27 %
3,24 %
3,70 %
12,19 %
2027
2,89 %
8,77 %
1,10 %
1,75 %
3,26 %
4,37 %
3,66 %
12,16 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2022
1,39 %
7,77 %
2,66 %
12,71 %
7,30 %
11,57 %
2023
(0,05) %
7,69 %
(5,10) %
11,38 %
(0,59) %
12,71 %
2024
1,67 %
7,27 %
(3,29) %
9,49 %
1,50 %
13,34 %
2025
2,19 %
7,02 %
2,59 %
7,97 %
2,44 %
13,21 %
2026
2,21 %
6,91 %
2,57 %
7,83 %
3,10 %
12,70 %
2027
2,21 %
6,88 %
3,33 %
7,78 %
3,28 %
10,86 %
La estimaci\u00f3n para los pr\u00f3ximos cinco a\u00f1os de las siguientes tasas, utilizado en la medici\u00f3n de la p\u00e9rdida esperada a 31 de diciembre
de 2021, de forma consistente con las \u00faltimas estimaciones hechas p\u00fablicas a dicha fecha era la siguiente:
Escenario favorable de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2021
5,52 %
14,42 %
0,33 %
6,39 %
4,18 %
2,35 %
11,63 %
11,90 %
2022
6,14 %
12,50 %
4,70 %
4,07 %
3,89 %
5,38 %
5,60 %
11,35 %
2023
5,13 %
10,05 %
3,06 %
2,81 %
3,75 %
3,85 %
5,80 %
11,93 %
2024
2,61 %
8,48 %
1,87 %
2,17 %
3,69 %
3,07 %
3,62 %
12,66 %
2025
2,22 %
7,49 %
1,56 %
1,88 %
3,64 %
4,08 %
3,66 %
12,94 %
2026
2,19 %
6,71 %
1,19 %
1,83 %
3,59 %
3,95 %
3,66 %
13,05 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2021
13,60 %
11,33 %
9,91 %
15,12 %
9,89 %
15,36 %
2022
4,91 %
7,50 %
6,69 %
11,34 %
5,33 %
13,60 %
2023
3,78 %
6,82 %
3,02 %
9,48 %
3,38 %
13,22 %
2024
2,76 %
6,55 %
2,09 %
7,99 %
3,30 %
12,31 %
2025
2,34 %
6,52 %
2,16 %
6,89 %
3,44 %
11,58 %
2026
2,28 %
6,47 %
2,12 %
6,88 %
3,51 %
11,32 %
Escenario base de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2021
5,23 %
14,93 %
(0,20) %
5,98 %
4,22 %
2,46 %
9,46 %
12,43 %
2022
5,49 %
13,98 %
2,91 %
3,19 %
4,05 %
5,30 %
1,98 %
12,80 %
2023
4,89 %
11,68 %
2,04 %
2,54 %
3,92 %
3,68 %
5,04 %
12,93 %
2024
2,59 %
10,08 %
1,50 %
2,09 %
3,83 %
3,07 %
3,49 %
13,03 %
2025
2,22 %
9,05 %
1,10 %
1,87 %
3,77 %
4,08 %
3,54 %
13,13 %
2026
2,19 %
8,15 %
0,74 %
1,82 %
3,71 %
3,93 %
3,53 %
13,23 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2021
12,22 %
11,38 %
7,49 %
15,50 %
9,17 %
15,44 %
2022
2,32 %
7,70 %
2,30 %
12,35 %
4,02 %
13,86 %
2023
3,05 %
7,06 %
2,04 %
10,40 %
3,13 %
13,51 %
2024
2,76 %
6,76 %
1,98 %
8,60 %
3,29 %
12,60 %
2025
2,34 %
6,70 %
2,03 %
7,38 %
3,44 %
11,87 %
2026
2,28 %
6,64 %
1,99 %
7,38 %
3,51 %
11,53 %
Escenario desfavorable de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2021
4,95 %
15,41 %
(0,82) %
5,58 %
4,27 %
2,54 %
7,29 %
12,94 %
2022
4,88 %
15,41 %
1,31 %
2,33 %
4,23 %
5,13 %
(1,87) %
14,26 %
2023
4,68 %
13,25 %
1,09 %
2,26 %
4,10 %
3,48 %
4,09 %
13,99 %
2024
2,54 %
11,65 %
0,99 %
2,03 %
3,99 %
2,92 %
3,40 %
13,41 %
2025
2,18 %
10,62 %
0,35 %
1,82 %
3,90 %
4,05 %
3,47 %
13,31 %
2026
2,15 %
9,61 %
(0,01) %
1,78 %
3,84 %
3,93 %
3,46 %
13,40 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2021
10,84 %
11,43 %
5,14 %
15,86 %
8,43 %
15,52 %
2022
(0,28) %
7,90 %
(2,34) %
13,33 %
2,72 %
14,12 %
2023
2,31 %
7,30 %
0,85 %
11,29 %
2,83 %
13,79 %
2024
2,76 %
6,98 %
1,86 %
9,19 %
3,29 %
12,87 %
2025
2,34 %
6,91 %
1,88 %
7,83 %
3,43 %
12,13 %
2026
2,28 %
6,85 %
1,83 %
7,85 %
3,51 %
11,71 %
Sensibilidad a los escenarios macroecon\u00f3micos
Se ha realizado un ejercicio de sensibilidad de las p\u00e9rdidas esperadas debido a variaciones de las hip\u00f3tesis clave por ser las que
mayor incertidumbre introducen en la estimaci\u00f3n de dichas p\u00e9rdidas. Como primer paso se han identificado como variables m\u00e1s
relevantes el PIB y el Precio de la Vivienda. Estas variables se han sometido a shocks de +/- 100 pbs en toda la ventana temporal con
impacto en los modelos. Se han valorado sensibilidades independientes, bajo el supuesto de asignar una probabilidad del 100% a
cada escenario determinado con estos shocks independientes.
La variaci\u00f3n en p\u00e9rdidas esperadas viene determinada tanto por el re-staging (es decir: en escenarios de empeoramiento por el
reconocimiento de p\u00e9rdidas crediticias de por vida para operaciones adicionales que se trasladan a stage 2 desde stage 1 donde se
valoran 12 meses de p\u00e9rdidas: o viceversa en escenarios de mejora) como por las variaciones en los par\u00e1metros de riesgos colectivos
(PD y LGD) de cada instrumento financiero debido a los cambios definidos en las previsiones macroecon\u00f3micas del escenario. A
continuaci\u00f3n se muestra la variaci\u00f3n de la p\u00e9rdida esperada para el Grupo y las principales carteras y \u00e1reas geogr\u00e1ficas:
Variaci\u00f3n de la p\u00e9rdida esperada a 31 Diciembre de 2022
Grupo BBVA
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
PIB
Total
Portafolio
Minorista
Empresas
Renta Fija
Total
Portafolio
Empresas
Minorista
Total
Portafolio
Empresas
Minorista
Total
Portafolio
Empresas
Minorista
-100 pbs
223
151
67
3
118
54
62
67
3
63
19
5
12
+100 pbs
(195)
(135)
(55)
(3)
(95)
(42)
(52)
(63)
(3)
(60)
(18)
(5)
(11)
Precio
Vivienda
-100 pbs
1
23
4
+100 pbs
(1)
(22)
(3)
Variaci\u00f3n de la p\u00e9rdida esperada a 31 Diciembre de 2021
Grupo BBVA
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
PIB
Total
Portafolio
Minorista
Empresas
Renta Fija
Total
Portafolio
Empresas
Minorista
Total
Portafolio
Empresas
Minorista
Total
Portafolio
Empresas
Minorista
-100 pbs
237
165
46
3
92
19
58
72
3
65
17
6
11
+100 pbs
(224)
(158)
(44)
(3)
(88)
(18)
(57)
(69)
(4)
(61)
(17)
(6)
(10)
Precio
Vivienda
-100 pbs
4
54
5
+100 pbs
(4)
(53)
(5)
Ajustes adicionales a las p\u00e9rdidas esperadas
El Grupo revisa peri\u00f3dicamente sus estimaciones individualizadas y sus modelos para la estimaci\u00f3n colectiva de las p\u00e9rdidas
esperadas, as\u00ed como el efecto sobre las mismas de los escenarios macroecon\u00f3micos. Adicionalmente, el Grupo puede complementar
dichas p\u00e9rdidas esperadas para recoger los efectos que pudieran no estar incluidos en las mismas, bien por considerar que existen
factores de riesgo adicionales, o para incorporar particularidades sectoriales o que puedan afectar a un conjunto de operaciones o
acreditados, siguiendo un proceso interno formal de aprobaci\u00f3n establecido al efecto.
As\u00ed, durante 2022, en el caso de Espa\u00f1a, se han revisado las p\u00e9rdidas esperadas de las operaciones consideradas dudosas por
razones diferentes a la morosidad, ajustando en el modelo la severidad de estas operaciones para alinearla con la de los dudosos por
morosidad, habi\u00e9ndose registrado una provisi\u00f3n adicional de 250 millones de euros con un cargo a la cuenta de resultados del
ejercicio 2022. Del mismo modo, durante 2021, para los clientes acogidos a las medidas del RDL 6/2012 se revis\u00f3 su par\u00e1metro de
severidad, resultando en un ajuste cuyo importe remanente al cierre del ejercicio 2022 ha sido de 138 millones de euros, sin variaci\u00f3n
significativa en el a\u00f1o.
Por otro lado, los ajustes complementarios pendientes de asignar a operaciones o clientes concretos que est\u00e1n vigentes a 31 de
diciembre de 2022 totalizan 302 millones de euros, de los que 170 millones de euros corresponden a BBVA, S.A., 92 millones de
euros a M\u00e9xico, 25 millones de euros a Per\u00fa, 11 millones de euros a Colombia y 5 millones de euros a Chile. En comparaci\u00f3n a 31 de
diciembre de 2021, los ajustes complementarios pendientes de asignar a operaciones o clientes concretos totalizaron 311 millones de
euros distribuidos en 226 millones de euros en Espa\u00f1a, 68 millones de euros en M\u00e9xico y 18 millones de euros en Per\u00fa. La variaci\u00f3n
en el ejercicio se produce, por un lado, debido a la revisi\u00f3n o al consumo parcial de los ajustes que se estimaron necesarios por la
existencia de moratorias, garant\u00edas p\u00fablicas o sectores m\u00e1s afectados por la pandemia y, por otro, por las p\u00e9rdidas adicionales por
importe de 150 millones de euros asignadas a exposiciones de las carteras de Empresas principalmente de Espa\u00f1a, M\u00e9xico, Per\u00fa y
Colombia (mayoristas y peque\u00f1as y medianas empresas), que pudieran verse m\u00e1s afectadas por el actual contexto econ\u00f3mico de
elevada inflaci\u00f3n, tipos de inter\u00e9s o precios de la energ\u00eda.
7.2.2Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
A continuaci\u00f3n, se presenta la distribuci\u00f3n por ep\u00edgrafes del balance consolidado, del riesgo de cr\u00e9dito del Grupo BBVA a 31 de
diciembre de 2022, 2021 y 2020. Esta distribuci\u00f3n no considera el importe reconocido por las p\u00e9rdidas por deterioro y no est\u00e1n
deducidas las garant\u00edas reales ni otras mejoras crediticias obtenidas para asegurar el cumplimiento de las obligaciones de pago. El
desglose se realiza en funci\u00f3n de la naturaleza de los instrumentos financieros:
Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito (Millones de euros)
Notas
Diciembre\u00a0 \u00a0 \u00a0 \u00a0
2022
Stage 1
Stage 2
Stage 3
Activos financieros mantenidos para negociar
70.763
Instrumentos de patrimonio
10
4.404
Valores representativos de deuda
10
24.367
Pr\u00e9stamos y anticipos
10
41.993
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente
a valor razonable con cambios en resultados
6.888
Instrumentos de patrimonio
11
6.511
Valores representativos de deuda
11
129
Pr\u00e9stamos y anticipos a la clientela
11
247
Activos financieros designados a valor razonable con cambios en resultados
12
913
Derivados y contabilidad de coberturas
53.101
Activos financieros a valor razonable con cambios en otro resultado global
59.100
Instrumentos de patrimonio
13
1.198
Valores representativos de deuda
57.876
57.028
822
26
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13
26
26
\u2014
\u2014
Activos financieros a coste amortizado
433.445
386.048
33.873
13.523
Valores representativos de deuda
43.700
43.433
237
30
Pr\u00e9stamos y anticipos a bancos centrales
4.420
4.420
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
16.066
15.997
69
Pr\u00e9stamos y anticipos a la clientela
369.260
322.199
33.568
13.493
Total riesgo por activos financieros
624.210
Total compromisos y garant\u00edas concedidos
192.568
181.427
9.993
1.147
Compromisos de pr\u00e9stamo concedidos
33
136.920
130.459
6.283
177
Garant\u00edas financieras concedidas
33
16.511
15.214
1.015
281
Otros compromisos concedidos
33
39.137
35.753
2.695
689
Total exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
816.778
Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito (Millones de euros)
Notas
Diciembre\u00a0 \u00a0 \u00a0 \u00a0
2021
Stage 1
Stage 2
Stage 3
Activos financieros mantenidos para negociar
92.560
Instrumentos de patrimonio
10
15.963
Valores representativos de deuda
10
25.790
Pr\u00e9stamos y anticipos
10
50.807
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente
a valor razonable con cambios en resultados
6.086
Instrumentos de patrimonio
11
5.303
Valores representativos de deuda
11
128
Pr\u00e9stamos y anticipos a la clientela
11
655
Activos financieros designados a valor razonable con cambios en resultados
12
1.092
Derivados y contabilidad de coberturas
43.687
Activos financieros a valor razonable con cambios en otro resultado global
60.495
Instrumentos de patrimonio
13
1.320
Valores representativos de deuda
59.148
58.587
561
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13
27
27
\u2014
\u2014
Activos financieros a coste amortizado
383.870
334.772
34.418
14.680
Valores representativos de deuda
34.833
34.605
205
22
Pr\u00e9stamos y anticipos a bancos centrales
5.687
5.687
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13.295
13.285
10
\u2014
Pr\u00e9stamos y anticipos a la clientela
330.055
281.195
34.203
14.657
Total riesgo por activos financieros
587.789
Total compromisos y garant\u00edas concedidos
165.941
152.914
12.070
957
Compromisos de pr\u00e9stamo concedidos
33
119.618
112.494
6.953
171
Garant\u00edas financieras concedidas
33
11.720
10.146
1.329
245
Otros compromisos concedidos
33
34.604
30.274
3.789
541
Total exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
753.730
Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito (Millones de euros)
Notas
Diciembre\u00a0 \u00a0 \u00a0 \u00a0
2020
Stage 1
Stage 2
Stage 3
Activos financieros mantenidos para negociar
65.696
Instrumentos de patrimonio
10
11.458
Valores representativos de deuda
10
23.970
Pr\u00e9stamos y anticipos
10
30.268
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente
a valor razonable con cambios en resultados
5.198
Instrumentos de patrimonio
11
4.133
Valores representativos de deuda
11
356
Pr\u00e9stamos y anticipos a la clientela
11
709
Activos financieros designados a valor razonable con cambios en resultados
12
1.117
Derivados y contabilidad de coberturas
46.302
Activos financieros a valor razonable con cambios en otro resultado global
69.537
Instrumentos de patrimonio
13
1.100
Valores representativos de deuda
68.404
67.995
410
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13
33
33
\u2014
\u2014
Activos financieros a coste amortizado
379.857
334.552
30.607
14.698
Valores representativos de deuda
35.785
35.759
6
20
Pr\u00e9stamos y anticipos a bancos centrales
6.229
6.229
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
14.591
14.565
20
6
Pr\u00e9stamos y anticipos a la clientela
323.252
277.998
30.581
14.672
Total riesgo por activos financieros
567.705
Total compromisos y garant\u00edas concedidos
179.440
165.726
12.682
1.032
Compromisos de pr\u00e9stamos concedidos
33
132.584
124.104
8.214
265
Garant\u00edas financieras concedidas
33
10.665
9.208
1.168
290
Otros compromisos concedidos
33
36.190
32.414
3.300
477
Total exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
747.145
A efectos del cuadro anterior, la exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito se determina en funci\u00f3n de los activos financieros como se
explica a continuaci\u00f3n:
\u2013En el caso de los activos financieros reconocidos en los balances consolidados, se considera que la exposici\u00f3n al riesgo de
cr\u00e9dito es igual a su valor en libros (sin considerar p\u00e9rdidas por deterioro), con la \u00fanica excepci\u00f3n de los derivados de
negociaci\u00f3n y cobertura.
\u2013Para los compromisos y garant\u00edas concedidos, se considera que la m\u00e1xima exposici\u00f3n al riesgo de cr\u00e9dito es el mayor
importe que el Grupo tendr\u00eda que pagar si la garant\u00eda fuera ejecutada, o el mayor importe pendiente de disposici\u00f3n por
parte del cliente en el caso de los compromisos.
\u2013La m\u00e1xima exposici\u00f3n al riesgo de los derivados se basa en la suma de dos factores: el valor de mercado de derivados y su
riesgo potencial (o \u201cadd-on\u201d).
A 31 de diciembre de 2022 no existen activos financieros comprados u originados con deterioro crediticio en los balances
consolidados de Grupo BBVA.
A continuaci\u00f3n, se presenta la exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito, las correcciones de valor acumuladas y el importe neto en
libros, en funci\u00f3n de los stages por \u00e1rea geogr\u00e1fica para pr\u00e9stamos y anticipos a la clientela a coste amortizado a 31 de diciembre de
2022, 2021 y 2020:
Diciembre 2022 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Espa\u00f1a (1)
214.126
187.037
19.621
7.468
(4.860)
(518)
(759)
(3.583)
209.266
186.519
18.862
3.885
M\u00e9xico
74.252
66.971
5.342
1.939
(2.496)
(955)
(475)
(1.066)
71.756
66.017
4.866
873
Turqu\u00eda (2)
39.547
32.755
4.436
2.356
(2.105)
(224)
(358)
(1.523)
37.443
32.531
4.078
833
Am\u00e9rica del Sur (3)
40.288
34.401
4.166
1.721
(1.768)
(318)
(345)
(1.105)
38.519
34.083
3.821
615
Otros
1.047
1.035
3
9
(8)
\u2014
\u2014
(7)
1.039
1.035
3
2
Total (4)
369.260
322.199
33.568
13.493
(11.237)
(2.014)
(1.938)
(7.284)
358.023
320.185
31.629
6.208
Del que: individual
(2.164)
(21)
(604)
(1.539)
Del que: colectiva
(9.073)
(1.994)
(1.334)
(5.745)
(1) Espa\u00f1a incluye todos los pa\u00edses donde opera BBVA, S.A.
(2) Turqu\u00eda incluye todos los pa\u00edses donde opera Garanti BBVA.
(3) En Am\u00e9rica del Sur, el Grupo BBVA opera principalmente en Argentina, Colombia, Per\u00fa y Uruguay.
(4) El importe relativo a las correcciones de valor incluye los ajustes de valoraci\u00f3n por riesgo de cr\u00e9dito a lo largo de la vida residual esperada en aquellos instrumentos financieros
que hayan sido adquiridos. Dichas correcciones de valor se determinan en el momento de la asignaci\u00f3n del precio de compra de un negocio (com\u00fanmente denominado Purchase
Price Allocation (PPA), y fueron originadas principalmente en la adquisici\u00f3n de Catalunya Banc, S.A. (a 31 de diciembre de 2022, el saldo remanente era de 190 millones de euros).
Estos ajustes de valoraci\u00f3n se reconocen en la cuenta de p\u00e9rdidas y ganancias consolidada a lo largo de la vida residual de las operaciones o son aplicados a las correcciones de
valor cuando se materializan las p\u00e9rdidas.
Diciembre 2021 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor
acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Espa\u00f1a (1)
201.405
171.883
21.380
8.143
(5.277)
(722)
(923)
(3.631)
196.129
171.161
20.457
4.511
M\u00e9xico
57.847
51.665
4.261
1.921
(2.038)
(740)
(381)
(916)
55.809
50.925
3.880
1.005
Turqu\u00eda (2)
33.472
26.497
4.134
2.841
(2.058)
(224)
(424)
(1.410)
31.414
26.273
3.711
1.431
Am\u00e9rica del Sur (3)
36.335
30.166
4.425
1.744
(1.736)
(277)
(362)
(1.096)
34.599
29.889
4.062
648
Otros
996
984
3
9
(8)
(1)
\u2014
(7)
988
983
3
2
Total (4)
330.055
281.195
34.203
14.657
(11.116)
(1.964)
(2.091)
(7.061)
318.939
279.231
32.112
7.596
Del que: individual
(2.528)
(4)
(657)
(1.867)
Del que: colectiva
(8.587)
(1.959)
(1.434)
(5.194)
(1) Espa\u00f1a incluye todos los pa\u00edses donde opera BBVA, S.A.
(2) Turqu\u00eda incluye todos los pa\u00edses donde opera Garanti BBVA.
(3) En Am\u00e9rica del Sur, el Grupo BBVA opera principalmente en Argentina, Colombia, Per\u00fa y Uruguay.
(4) El importe relativo a las correcciones de valor incluye los ajustes de valoraci\u00f3n por riesgo de cr\u00e9dito a lo largo de la vida residual esperada en aquellos instrumentos financieros
que hayan sido adquiridos. Dichas correcciones de valor se determinan en el momento de la asignaci\u00f3n del precio de compra de un negocio (com\u00fanmente denominado Purchase
Price Allocation (PPA), y fueron originadas principalmente en la adquisici\u00f3n de Catalunya Banc, S.A. (a 31 de diciembre de 2021 el saldo remanente era de 266 millones de euros).
Estos ajustes de valoraci\u00f3n se reconocen en la cuenta de p\u00e9rdidas y ganancias consolidada a lo largo de la vida residual de las operaciones o son aplicados a las correcciones de
valor cuando se materializan las p\u00e9rdidas.
Diciembre 2020 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Espa\u00f1a (1)
195.983
171.397
16.387
8.199
(5.679)
(753)
(849)
(4.077)
190.304
170.644
15.538
4.122
M\u00e9xico
52.211
46.373
4.071
1.767
(2.211)
(685)
(442)
(1.083)
50.000
45.688
3.628
684
Turqu\u00eda (2)
39.633
30.832
5.806
2.995
(2.338)
(246)
(535)
(1.557)
37.295
30.586
5.272
1.438
Am\u00e9rica del Sur (3)
34.499
28.484
4.312
1.703
(1.870)
(320)
(460)
(1.090)
32.629
28.165
3.852
612
Otros
925
912
5
8
(7)
(1)
\u2014
(6)
918
911
4
2
Total (4)
323.252
277.998
30.581
14.672
(12.105)
(2.005)
(2.287)
(7.813)
311.147
275.993
28.294
6.860
Del que: individual
(2.611)
(10)
(479)
(2.122)
Del que: colectiva
(9.494)
(1.995)
(1.808)
(5.691)
Diciembre 2021 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Administraciones
p\u00fablicas
19.719
19.287
369
62
(37)
(13)
(5)
(19)
19.682
19.274
364
43
Otras instituciones
financieras
9.826
9.672
131
24
(23)
(8)
(6)
(9)
9.804
9.664
125
15
Sociedades no
financieras
146.797
120.140
19.366
7.290
(5.804)
(759)
(1.306)
(3.738)
140.993
119.381
18.060
3.552
Hogares
153.714
132.096
14.336
7.281
(5.253)
(1.184)
(773)
(3.295)
148.461
130.912
13.563
3.986
Total pr\u00e9stamos y
anticipos a la
clientela
330.055
281.195
34.203
14.657
(11.116)
(1.964)
(2.091)
(7.061)
318.939
279.231
32.112
7.596
Diciembre 2020 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Administraciones
p\u00fablicas
19.439
19.163
200
76
(48)
(14)
(9)
(25)
19.391
19.149
191
51
Otras instituciones
financieras
9.856
9.747
95
14
(39)
(25)
(6)
(7)
9.817
9.722
88
7
Sociedades no
financieras
142.547
119.891
15.179
7.477
(6.123)
(774)
(1.110)
(4.239)
136.424
119.117
14.069
3.238
Hogares
151.410
129.196
15.108
7.106
(5.895)
(1.192)
(1.161)
(3.542)
145.515
128.005
13.946
3.564
Total pr\u00e9stamos y
anticipos a la
clientela
323.252
277.998
30.581
14.672
(12.105)
(2.005)
(2.287)
(7.813)
311.147
275.993
28.294
6.860
El detalle por contraparte y por producto de los pr\u00e9stamos y anticipos, neto de correcciones de valor, as\u00ed como el total del importe en
libros bruto por tipo de productos, clasificados en distintas categor\u00edas de activos a 31 de diciembre de 2022, 2021 y 2020 se muestra
a continuaci\u00f3n:
Diciembre 2022 (Millones de euros)
Bancos
centrales
Administracion
es p\u00fablicas
Entidades de
cr\u00e9dito
Otras
sociedades
financieras
Sociedades no
financieras
Hogares
Total
Importe en
libros bruto
A la vista y con breve plazo de preaviso
(cuenta corriente)
\u2014
6
\u2014
352
2.810
933
4.101
4.266
Deuda por tarjetas de cr\u00e9dito
\u2014
1
\u2014
3
2.029
16.865
18.898
19.985
Deudores comerciales
1.021
24
370
24.510
85
26.011
26.254
Arrendamientos financieros
\u2014
195
\u2014
13
8.040
322
8.571
8.857
Pr\u00e9stamos de recompra inversa
302
\u2014
5.251
102
\u2014
\u2014
5.655
5.674
Otros pr\u00e9stamos a plazo
3.802
19.438
4.009
7.995
126.949
139.925
302.118
311.553
Anticipos distintos de pr\u00e9stamos
296
232
6.772
3.930
1.333
811
13.374
13.430
PR\u00c9STAMOS Y ANTICIPOS
4.401
20.892
16.057
12.765
165.670
158.943
378.728
390.019
Por garant\u00edas reales
De los cuales: pr\u00e9stamos
garantizados por bienes inmuebles
297
\u2014
337
23.970
95.056
119.659
122.719
De los cuales: otros pr\u00e9stamos con
garant\u00edas reales
498
5.382
5.073
548
6.635
2.209
20.345
20.675
Por finalidad
De los cuales: cr\u00e9dito al consumo
51.344
51.344
54.718
De los cuales: pr\u00e9stamos para
compra de vivienda
95.249
95.249
96.716
Por subordinaci\u00f3n
De los cuales: pr\u00e9stamos para
financiaci\u00f3n de proyectos
7.942
7.942
8.530
Diciembre 2021 (Millones de euros)
Bancos
centrales
Administracion
es p\u00fablicas
Entidades de
cr\u00e9dito
Otras
sociedades
financieras
Sociedades no
financieras
Hogares
Total
Importe en
libros bruto
A la vista y con breve plazo de preaviso
(cuenta corriente)
\u2014
6
\u2014
321
2.339
495
3.161
3.345
Deuda por tarjetas de cr\u00e9dito
\u2014
\u2014
\u2014
1
1.504
12.523
14.030
14.949
Deudores comerciales
791
\u2014
476
18.191
66
19.524
19.766
Arrendamientos financieros
\u2014
191
\u2014
14
7.388
317
7.911
8.256
Pr\u00e9stamos de recompra inversa
1.192
\u2014
2.788
23
\u2014
\u2014
4.004
4.013
Otros pr\u00e9stamos a plazo
4.174
18.440
4.004
5.413
110.204
134.505
276.739
286.127
Anticipos distintos de pr\u00e9stamos
315
394
6.510
3.554
1.805
630
13.208
13.263
PR\u00c9STAMOS Y ANTICIPOS
5.681
19.822
13.303
9.804
141.431
148.536
338.577
349.719
Por garant\u00edas reales
De los cuales: pr\u00e9stamos
garantizados por bienes inmuebles
324
\u2014
220
21.531
94.821
116.897
119.980
De los cuales: otros pr\u00e9stamos con
garant\u00edas reales
1.180
1.413
2.534
390
3.512
1.950
10.979
11.335
Por finalidad
De los cuales: cr\u00e9dito al consumo
42.294
42.294
45.236
De los cuales: pr\u00e9stamos para
compra de vivienda
95.209
95.209
96.612
Por subordinaci\u00f3n
De los cuales: pr\u00e9stamos para
financiaci\u00f3n de proyectos
8.863
8.863
9.423
Diciembre 2020 (Millones de euros)
Bancos
centrales
Administracion
es p\u00fablicas
Entidades de
cr\u00e9dito
Otras
sociedades
financieras
Sociedades no
financieras
Hogares
Total
Importe en
libros bruto
A la vista y con breve plazo de preaviso
(cuenta corriente)
\u2014
7
\u2014
502
1.798
528
2.835
3.021
Deuda por tarjetas de cr\u00e9dito
\u2014
\u2014
\u2014
2
1.485
11.605
13.093
14.220
Deudores comerciales
898
\u2014
317
14.262
67
15.544
15.796
Arrendamientos financieros
\u2014
197
\u2014
6
7.125
322
7.650
8.013
Pr\u00e9stamos de recompra inversa
472
\u2014
1.914
\u2014
71
\u2014
2.457
2.463
Otros pr\u00e9stamos a plazo
5.690
18.111
3.972
5.799
111.141
132.603
277.317
287.467
Anticipos distintos de pr\u00e9stamos
48
260
8.721
3.191
1.084
473
13.777
13.833
PR\u00c9STAMOS Y ANTICIPOS
6.209
19.475
14.608
9.817
136.966
145.598
332.672
344.813
Por garant\u00edas reales
De los cuales: pr\u00e9stamos
garantizados por bienes inmuebles
372
\u2014
209
22.091
94.147
116.819
120.194
De los cuales: otros pr\u00e9stamos con
garant\u00edas reales
472
952
\u2014
317
3.763
2.059
7.562
7.776
Por finalidad
De los cuales: cr\u00e9dito al consumo
39.799
39.799
43.037
De los cuales: pr\u00e9stamos para
compra de vivienda
94.098
94.098
95.751
Por subordinaci\u00f3n
De los cuales: pr\u00e9stamos para
financiaci\u00f3n de proyectos
10.721
10.721
11.032
7.2.3Mitigaci\u00f3n del riesgo de cr\u00e9dito, garant\u00edas reales y otras mejoras crediticias
La m\u00e1xima exposici\u00f3n al riesgo de cr\u00e9dito, se ve reducida en determinados casos por la existencia de garant\u00edas reales, mejoras
crediticias y otras acciones que mitigan la exposici\u00f3n del Grupo. La pol\u00edtica de cobertura y mitigaci\u00f3n del riesgo de cr\u00e9dito en el Grupo
BBVA dimana de su concepci\u00f3n del negocio bancario, muy centrado en la banca de relaci\u00f3n. En esta l\u00ednea, la exigencia de garant\u00edas
puede ser un instrumento necesario pero no suficiente para la concesi\u00f3n de riesgos, pues la asunci\u00f3n de riesgos por el Grupo
requiere la previa verificaci\u00f3n de la capacidad de pago del deudor o de que \u00e9ste pueda generar los recursos suficientes para permitirle
la amortizaci\u00f3n del riesgo contra\u00eddo en las condiciones convenidas.
Consecuentemente con lo anterior, la pol\u00edtica de asunci\u00f3n de riesgos de cr\u00e9dito se instrumenta en el Grupo BBVA en tres niveles
distintos:
\u2013an\u00e1lisis del riesgo financiero de la operaci\u00f3n, basado en la capacidad de reembolso o generaci\u00f3n de recursos del
acreditado;
\u2013en su caso, constituci\u00f3n de las garant\u00edas adecuadas al riesgo asumido; en cualquiera de las formas generalmente
aceptadas: garant\u00eda dineraria, real, personal o coberturas; y finalmente;
\u2013valoraci\u00f3n del riesgo de recuperaci\u00f3n (liquidez del activo) de las garant\u00edas recibidas.
Lo anterior se realiza a trav\u00e9s de una prudente pol\u00edtica de riesgos que consiste en el an\u00e1lisis del riesgo financiero de la operaci\u00f3n,
basado en la capacidad de reembolso o generaci\u00f3n de recursos del acreditado, el an\u00e1lisis de la garant\u00eda valorando, entre otros, la
eficacia, la solidez y el riesgo, la adecuaci\u00f3n de la garant\u00eda con la operaci\u00f3n y otros aspectos como la ubicaci\u00f3n, divisa, concentraci\u00f3n
o la existencia de limitantes. Adicionalmente, se deber\u00e1n realizar las tareas necesarias para la constituci\u00f3n de garant\u00edas \u2013 en
cualquiera de las formas generalmente aceptadas (real, personal y coberturas) \u2013 adecuadas al riesgo asumido.
Los procedimientos para la gesti\u00f3n y valoraci\u00f3n de las garant\u00edas est\u00e1n recogidos en las pol\u00edticas generales de Gesti\u00f3n del Riesgo de
Cr\u00e9dito (minorista y mayorista), en las que se establecen los principios b\u00e1sicos para la gesti\u00f3n del riesgo de cr\u00e9dito, que incluye la
gesti\u00f3n de las garant\u00edas recibidas en las operaciones con clientes. La Norma de Garant\u00edas detalla los criterios relativos al tratamiento
sistem\u00e1tico, homog\u00e9neo y eficaz de las garant\u00edas en la operativa de cr\u00e9dito en las bancas mayorista y minorista del Grupo BBVA.
Los m\u00e9todos utilizados para valorar las garant\u00edas coinciden con las mejores pr\u00e1cticas del mercado e implican la utilizaci\u00f3n de
tasaciones en las garant\u00edas inmobiliarias, precio de mercado en valores burs\u00e1tiles, valor de la cotizaci\u00f3n de las participaciones en
fondos de inversi\u00f3n, etc. Todas las garant\u00edas reales recibidas deben estar correctamente instrumentadas e inscritas en el registro
correspondiente, as\u00ed como contar con la aprobaci\u00f3n de las unidades jur\u00eddicas del Grupo.
La valoraci\u00f3n de las garant\u00edas se tiene en cuenta en el c\u00e1lculo de las p\u00e9rdidas esperadas. El Grupo ha desarrollado modelos internos
para, a partir de observaciones reales basadas en su propia experiencia, estimar el valor de realizaci\u00f3n de los colaterales recibidos, el
tiempo que transcurre hasta entonces, los costes para su adquisici\u00f3n, mantenimiento y posterior venta. Esta modelizaci\u00f3n forma
parte de los procesos de estimaci\u00f3n de las LGD que se aplican a los diferentes segmentos, y est\u00e1n incluidos dentro de los
procedimientos de revisi\u00f3n y validaci\u00f3n anual.
A continuaci\u00f3n, se describen los principales tipos de garant\u00edas recibidas por cada categor\u00eda de instrumentos financieros:
\u2013Instrumentos de deuda mantenidos para negociar: Las garant\u00edas o mejoras crediticias que se obtengan directamente del
emisor o contrapartida est\u00e1n impl\u00edcitas en las cl\u00e1usulas del instrumento (principalmente, garant\u00edas del emisor).
\u2013Derivados y derivados-contabilidad de coberturas: En los derivados, el riesgo de cr\u00e9dito se minimiza mediante acuerdos
contractuales de compensaci\u00f3n por los que derivados activos y pasivos con la misma contrapartida son liquidados por su
saldo neto. Adem\u00e1s, pueden existir garant\u00edas de otro tipo, dependiendo de la solvencia de la contraparte y de la naturaleza
de la operaci\u00f3n (principalmente, colaterales).
El resumen del efecto de la compensaci\u00f3n (v\u00eda neteo y colateral) para la operativa de derivados financieros y operaciones
de financiaci\u00f3n de valores a 31 de diciembre de 2022 se presenta en la Nota 7.4.2.
\u2013Activos financieros designados a valor razonable con cambios en resultados y activos financieros a valor razonable con
cambios en otro resultado global: Las garant\u00edas o mejoras crediticias obtenidas directamente del emisor o contrapartida,
son inherentes a la estructura del instrumento (principalmente, garant\u00edas personales).
A 31 de diciembre de 2022, 2021 y 2020, el Grupo BBVA no ten\u00eda saldo de exposici\u00f3n a riesgo de cr\u00e9dito de activos
financieros a valor razonable con cambios en otro resultado global deteriorados (ver Nota 7.2.2).
\u2013Activos financieros a coste amortizado:
a.Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito: Habitualmente, cuentan con garant\u00edas personales de la
contraparte o con t\u00edtulos pignorados en el caso de adquisiciones temporales de activos.
b.Pr\u00e9stamos y anticipos a la clientela: La mayor parte de las operaciones cuentan con la garant\u00eda personal de la
contraparte. Adem\u00e1s, pueden tomarse garant\u00edas reales para asegurar las operaciones de cr\u00e9dito a la clientela
(tales como garant\u00edas hipotecarias, dinerarias, pignoraci\u00f3n de valores u otras garant\u00edas reales) u obtener otro
tipo de mejoras crediticias (avales o seguros).
c.Valores representativos de deuda: Las garant\u00edas o mejoras crediticias obtenidas directamente del emisor o
contrapartida son inherentes a la estructura del instrumento.
\u2013Garant\u00edas financieras, otros riesgos contingentes y disponibles por terceros: cuentan con la garant\u00eda personal de la
contraparte u otros colaterales.
El desglose de los pr\u00e9stamos y anticipos a coste amortizado deteriorados (ver Nota 7.2.6) que est\u00e1n cubiertos por garant\u00edas reales y
financieras, por tipo de garant\u00eda, a 31 de diciembre de 2022, 2021 y 2020, es el siguiente:
Pr\u00e9stamos y anticipos a coste amortizado deteriorados cubiertos por garant\u00edas reales y financieras (Millones de euros)
Exposici\u00f3n
m\u00e1xima al
riesgo de
cr\u00e9dito
De los cuales garantizados
Hipotecas
residenciales
Hipotecas
comerciales
Efectivo
Otros
Financieras
Diciembre 2022
13.493
2.537
849
3
52
984
Diciembre 2021
14.657
2.875
1.068
5
33
886
Diciembre 2020
14.678
2.717
789
18
52
575
El valor de las garant\u00edas recibidas a 31 de diciembre de 2022, 2021 y 2020 es el siguiente:
Garant\u00edas recibidas (Millones de euros)
2022
2021
2020
Valor de las garant\u00edas reales
125.963
117.362
116.900
Del que: garantiza riesgos normales en vigilancia especial
12.826
11.768
11.296
Del que: garantiza riesgos deteriorados
3.440
3.981
3.577
Valor de otras garant\u00edas
40.050
48.680
47.012
Del que: garantiza riesgos normales en vigilancia especial
4.963
7.404
4.045
Del que: garantiza riesgos deteriorados
984
886
575
Total valor de las garant\u00edas recibidas
166.013
166.042
163.912
La determinaci\u00f3n de estos distintos niveles y sus l\u00edmites de probabilidad de incumplimiento (PD) se realiz\u00f3 tomando como referencia
las escalas de rating y tasas de incumplimiento de las agencias externas Standard & Poor\u2019s y Moody\u2019s. De esta manera se establecen
los niveles de probabilidad de incumplimiento de la Escala Maestra del Grupo BBVA. Dicha escala es com\u00fan para todo el Grupo, sin
embargo, las calibraciones (mapeo de puntuaciones a tramos de PD / niveles de la Escala Maestra) se realizan a nivel de herramienta
para cada uno de los pa\u00edses en los que el Grupo dispone de herramientas.
A continuaci\u00f3n se muestra la distribuci\u00f3n, por probabilidad de incumplimiento a 12 meses usada en el c\u00f3mputo de la p\u00e9rdida
esperada bajo la NIIF 9, y por stage, del valor bruto en libros de pr\u00e9stamos y anticipos a la clientela en porcentajes del Grupo BBVA a
31 de diciembre de 2022, 2021 y 2020:
Probabilidad de incumplimiento (en puntos b\u00e1sicos)
2022
2021
2020
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas a 12
meses (stage 1)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas
durante toda la
vida del activo
(stage 2)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas a 12
meses (stage 1)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas
durante toda la
vida del activo
(stage 2)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas a 12
meses (stage 1)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas
durante toda la
vida del activo
(stage 2)
%
%
%
%
%
%
0 a 2
5,1
\u2014
5,8
\u2014
4,0
\u2014
2 a 5
18,9
0,3
15,7
0,1
10,2
0,1
5 a 11
16,3
0,5
15,2
0,2
7,7
0,1
11 a 39
18,2
0,8
18,7
0,6
26,8
0,5
39 a 194
20,3
2,3
19,1
2,5
24,0
2,3
194 a 1.061
10,5
3,0
12,2
3,8
15,1
3,4
1.061 a 2.121
1,2
0,9
1,9
1,5
1,5
1,2
> 2.121
0,6
1,1
0,8
1,9
0,6
2,5
Total
91,0
9,0
89,4
10,6
89,9
10,1
A continuaci\u00f3n se muestra la distribuci\u00f3n, por probabilidad de incumplimiento a 12 meses usada en el c\u00f3mputo de la p\u00e9rdida
esperada bajo la NIIF 9, y por stage, del valor bruto en libros de compromisos y riesgos contingentes en porcentajes del Grupo BBVA
a 31 de diciembre de 2022:
Probabilidad de incumplimiento (en puntos b\u00e1sicos)
2022
Activos sujetos a p\u00e9rdidas
crediticias esperadas a 12
meses (stage 1)
Activos sujetos a p\u00e9rdidas
crediticias esperadas durante
toda la vida del activo (stage 2)
%
%
0 a 2
6,3
0,2
2 a 5
20,4
0,2
5 a 11
26,9
0,9
11 a 39
19,8
0,7
39 a 194
14,6
1,1
194 a 1.061
6,1
1,5
1.061 a 2.121
0,6
0,2
> 2.121
0,2
0,4
Total
94,8
5,2
(1) Porcentaje respecto al margen de intereses 12 meses del Grupo BBVA.
(2) Porcentaje respecto al CET1 (Fully Loaded) del Grupo BBVA.
(3) En Euro y Libra esterlina (en \"Resto\") se permiten escenarios de tipos de inter\u00e9s negativos hasta niveles plausibles.
El ejercicio 2022 se ha caracterizado por un cambio de ciclo en t\u00e9rminos de pol\u00edtica monetaria como consecuencia de las elevadas
tasas de inflaci\u00f3n observadas en la mayor parte de las econom\u00edas occidentales. Los efectos de los elevados precios de la energ\u00eda y los
cuellos de botella en la cadena de suministros, que a\u00fan persist\u00edan causados por la pandemia de COVID-19, se vieron acrecentados a
partir de marzo con el estallido de la guerra entre Rusia y Ucrania. En este contexto, los bancos centrales emprendieron una
estrategia de pol\u00edtica monetaria restrictiva con subidas de tipos de inter\u00e9s, que a\u00fan perdura y se espera se prolongue durante gran
parte de 2023.
A nivel agregado, BBVA sigue manteniendo un perfil de riesgo moderado, conforme al objetivo establecido, teniendo sensibilidad
positiva a subidas de los tipos de inter\u00e9s en el margen de intereses.
Respecto a eventos relevantes en los mercados financieros, el BCE inici\u00f3 en julio de 2022 el proceso de subidas de tipos de inter\u00e9s
con el objetivo de frenar la inflaci\u00f3n, con una subida de 250 puntos b\u00e1sicos en el a\u00f1o. La FED por su parte acumula subidas de 425
puntos b\u00e1sicos en 2022. Si bien se esperan incrementos adicionales en 2023 (como la subida de los 0,5 puntos b\u00e1sicos del BCE y de
0,25 puntos b\u00e1sicos de la FED, anunciados el 2 de febrero y el 1 de febrero de 2023, respectivamente), al mantenerse la inflaci\u00f3n en
niveles elevados. En relaci\u00f3n a los mercados de renta fija, las valoraciones se han visto perjudicadas por el fuerte incremento
generalizado de los tipos de inter\u00e9s y del ensanchamiento de las primas de riesgo, acorde con la expectativa de inflaci\u00f3n, que se
espera contin\u00fae por encima de los niveles de referencia. Los diferenciales de deuda espa\u00f1ola e italiana empeoran con ampliaciones
con respecto a la curva alemana, especialmente en el caso de Italia. En cuanto a M\u00e9xico y Am\u00e9rica del Sur, los movimientos de
aplanamiento han sido similares a los de Estados Unidos, continuando con el ciclo de subida de tipos. Turqu\u00eda por su parte, ha situado
el tipo de pol\u00edtica monetaria en el 9,0%, realizando sucesivos recortes por 500 puntos b\u00e1sicos entre agosto y noviembre de 2022.
Los aspectos m\u00e1s destacados para las principales \u00e1reas geogr\u00e1ficas son los siguientes:
\u2013El balance de Espa\u00f1a se caracteriza por una cartera crediticia con elevada proporci\u00f3n referenciada a tipo de inter\u00e9s variable
(hipotecas y pr\u00e9stamos a empresas) y un pasivo compuesto fundamentalmente por dep\u00f3sitos de clientes a la vista. La
cartera COAP act\u00faa como palanca de gesti\u00f3n y cobertura del balance, mitigando su sensibilidad a movimientos de tipos de
inter\u00e9s. El perfil de riesgo de tipo de inter\u00e9s del balance se ha mantenido estable durante el a\u00f1o, siendo Espa\u00f1a el \u00e1rea
geogr\u00e1fica del Grupo con mayor sensibilidad positiva a subidas de tipos.
Por otro lado, como se ha mencionado, el BCE situ\u00f3 a cierre de diciembre de 2022 el tipo de inter\u00e9s de referencia en el
2,5%, el tipo de la facilidad marginal de dep\u00f3sito en el nivel de 2,0% y el tipo de la facilidad marginal de cr\u00e9dito en el 2,75%.
As\u00ed, la evoluci\u00f3n de los tipos Euribor, present\u00f3 subidas relevantes en el a\u00f1o. En este sentido, el diferencial de la clientela se
est\u00e1 empezando a ver beneficiado de las subidas de tipos de inter\u00e9s, algo que se espera contin\u00fae en los pr\u00f3ximos
trimestres.
\u2013M\u00e9xico contin\u00faa mostrando un equilibrio entre los balances referenciados a tipo de inter\u00e9s fijo y variable lo que se traduce
en una sensibilidad limitada a los movimientos de tipos de inter\u00e9s. Entre los activos m\u00e1s sensibles a movimientos de tipos
de inter\u00e9s, destaca la cartera de empresas, mientras que las carteras del consumo e hipotecas son mayoritariamente a tipo
fijo. Por el lado de los recursos, destacar la fuerte proporci\u00f3n de cuentas corrientes no remuneradas, las cuales son
insensibles a movimientos de tipos de inter\u00e9s. La cartera COAP est\u00e1 invertida principalmente en bonos soberanos a tipo fijo
con duraciones limitadas. La tasa de pol\u00edtica monetaria se sit\u00faa en el 10,50%, 500 puntos b\u00e1sicos por encima del nivel de
cierre del a\u00f1o 2021. En t\u00e9rminos de diferencial de la clientela, se aprecia una mejor\u00eda en 2022 favorecido por la contenci\u00f3n
del coste de los dep\u00f3sitos y una positiva evoluci\u00f3n del rendimiento del cr\u00e9dito.
\u2013En Turqu\u00eda, la sensibilidad de los pr\u00e9stamos, en su mayor\u00eda a tipo fijo, pero con plazos relativamente cortos, y la cartera
COAP equilibran la sensibilidad de los dep\u00f3sitos por el lado del pasivo. De este modo, la sensibilidad del margen de
intereses permanece acotada, tanto en lira turca como en moneda extranjera. Sin embargo, el riesgo de valor econ\u00f3mico se
incrementa en 2022 debido fundamentalmente a las compras obligatorias de bonos requeridas por el Supervisor local. El
diferencial de la clientela mejor\u00f3 en 2022 por el menor coste de los dep\u00f3sitos.
\u2013En Am\u00e9rica del Sur, el perfil de riesgo de tipo de inter\u00e9s sigue siendo bajo al tener la mayor parte de los pa\u00edses del \u00e1rea una
composici\u00f3n de fijo/variable y vencimientos muy similares entre el activo y el pasivo, con una sensibilidad del margen de
intereses acotada. Asimismo, en los balances con varias divisas, tambi\u00e9n se realiza una gesti\u00f3n del riesgo de tipo de inter\u00e9s
por cada una de las divisas, mostrando un nivel de riesgo reducido. Respecto a las tasas de referencia de los bancos
centrales de Per\u00fa y Colombia, durante 2022 han realizado subidas en los tipos de referencia de 500 y 900 puntos b\u00e1sicos,
respectivamente. Los diferenciales de la clientela han mejorado en Per\u00fa impactados por un entorno de mayores tipos de
inter\u00e9s, mientras que se han contra\u00eddo en Colombia afectados por un mayor incremento del coste de los dep\u00f3sitos derivado
de una repreciaci\u00f3n m\u00e1s r\u00e1pida de los pasivos que de los activos ante una subida de tipos de referencia tan brusca.
7.3.2Riesgo de tipo de cambio estructural
El riesgo de cambio estructural se define como la posibilidad de experimentar impactos en la solvencia, patrimonio y resultados como
consecuencia de las fluctuaciones de los tipos de cambio, por las posiciones denominadas en moneda extranjera.
El riesgo de cambio estructural es inherente a la actividad de los grupos bancarios internacionales que, como el Grupo BBVA,
desarrollan su negocio en diversas \u00e1reas geogr\u00e1ficas y en diferentes divisas. A nivel de Grupo, el riesgo estructural de tipo de cambio
surge de la consolidaci\u00f3n de las participaciones en filiales con divisas funcionales distintas del euro. Su gesti\u00f3n se lleva a cabo de
forma centralizada para optimizar el manejo conjunto de las exposiciones permanentes en moneda extranjera, teniendo en cuenta la
diversificaci\u00f3n.
La gesti\u00f3n del riesgo de tipo de cambio estructural est\u00e1 dirigida a la protecci\u00f3n de la solvencia, acotando la volatilidad del ratio de
capital CET1 consolidado y de los resultados a consolidar denominados en divisa no euro, as\u00ed como a limitar las necesidades de
capital ante variaciones de los tipos de cambio a los que el Grupo est\u00e1 expuesto dada su diversificaci\u00f3n internacional. La Unidad
corporativa de Global ALM, a trav\u00e9s del COAP, es la encargada de la gestionar este riesgo mediante una pol\u00edtica activa de coberturas
ex profeso para cada objetivo, consistente con la estrategia de gesti\u00f3n.
En el \u00e1mbito corporativo, las m\u00e9tricas de seguimiento del riesgo comprendidas en el esquema de l\u00edmites, est\u00e1n alineadas con el
marco de apetito de riesgo y tienen como objetivo controlar el efecto en la solvencia, a trav\u00e9s del capital econ\u00f3mico y de las
variaciones en el ratio Common Equity Tier I fully loaded (o CET1FL) del Grupo, as\u00ed como la desviaci\u00f3n m\u00e1xima en el beneficio
atribuido del Grupo. Las m\u00e9tricas probabil\u00edsticas permiten estimar el impacto conjunto de la exposici\u00f3n a diferentes divisas teniendo
en cuenta la variabilidad dispar en las cotizaciones de las divisas y sus correlaciones. Estas m\u00e9tricas se completan con otros
indicadores adicionales de evaluaci\u00f3n.
Peri\u00f3dicamente se revisa la bondad de estas m\u00e9tricas de estimaci\u00f3n del riesgo mediante ejercicios de backtesting. Adem\u00e1s, el control
del riesgo estructural de tipo de cambio se complementa con el an\u00e1lisis de escenarios y de estr\u00e9s con el fin de evaluar
vulnerabilidades de la exposici\u00f3n estructural en moneda extranjera no contempladas por las m\u00e9tricas de riesgo y servir como
herramienta adicional a la hora de tomar decisiones de gesti\u00f3n. Los escenarios se basan tanto en situaciones hist\u00f3ricas como
simuladas por el modelo de riesgos, as\u00ed como en los escenarios de riesgo proporcionados por BBVA Research.
La gesti\u00f3n del riesgo de tipo de cambio de las inversiones de BBVA a largo plazo, derivada fundamentalmente de sus franquicias en el
extranjero, tiene como finalidad preservar los ratios de capital del Grupo y otorgar estabilidad a la cuenta de resultados. El a\u00f1o 2022
se caracteriz\u00f3 por la debilidad del euro, especialmente acusada en los primeros nueve meses del a\u00f1o. As\u00ed el d\u00f3lar americano, que
durante alguna parte del a\u00f1o lleg\u00f3 a cotizar por debajo de la paridad, cerr\u00f3 el a\u00f1o con una apreciaci\u00f3n del 6,2% frente al euro. Entre
las divisas emergentes, destac\u00f3 la fuerte apreciaci\u00f3n del peso mexicano (11,0% frente al euro) favorecido por la positiva percepci\u00f3n
respecto a los fundamentales del pa\u00eds y la ya comentada debilidad del euro. La lira se ha visto de nuevo penalizada en 2022 (-23,7%),
por una pol\u00edtica econ\u00f3mica poco ortodoxa en un contexto de elevada inflaci\u00f3n. En cuanto al comportamiento de las divisas de
Am\u00e9rica del Sur, el sol peruano se mostr\u00f3 s\u00f3lido (11,0%), mientras que el peso chileno, algo m\u00e1s vol\u00e1til, consigui\u00f3 apreciarse frente al
euro (4,4%). En negativo, frente al euro, cerraron 2022 el peso colombiano (-12,1%) y el argentino (-38,3%).
BBVA mantiene sus pol\u00edticas activas de gesti\u00f3n de las principales inversiones en pa\u00edses emergentes que sit\u00faa, en media, entre el 40%
y el 50% del resultado atribuido agregado en divisas no euro que espera generar el grupo en los pr\u00f3ximos doce meses; y alrededor del
70% del exceso de capital agregado en divisas no euro. En relaci\u00f3n a este ratio de solvencia, las sensibilidades que se estiman a cierre
de 2022 a depreciaciones del 10% en las divisas son: peso mexicano (-5 puntos b\u00e1sicos); lira turca (-5 puntos b\u00e1sicos) y d\u00f3lar
americano (+19 puntos b\u00e1sicos).
A continuaci\u00f3n, se muestran para los ejercicios 2022, 2021 y 2020, las sensibilidades estimadas del resultado atribuible a los
propietarios de la dominante teniendo en cuenta la cobertura ante depreciaciones y apreciaciones del 1% del tipo medio en las
principales divisas. En la medida en que las posiciones de cobertura se van modulando peri\u00f3dicamente, la estimaci\u00f3n de sensibilidad
trata de reflejar una sensibilidad promedio (o efectiva) habida en el a\u00f1o:
Sensibilidad ante variaci\u00f3n 1% (Millones de euros)
Divisa
2022
2021
2020
Peso mexicano
19,1
14,0
4,9
Lira Turca
3,5
4,7
4,5
Sol peruano
0,7
0,3
0,4
Peso chileno
0,4
0,6
0,3
Peso colombiano
0,9
1,1
1,4
Peso argentino
1,9
0,6
0,9
7.3.3Riesgo de renta variable en el banking book
El riesgo de renta variable en el banking book se define como la posibilidad de experimentar p\u00e9rdidas en los resultados y en el valor en
las posiciones en acciones y otros instrumentos de renta variable mantenidas en el banking book con horizontes de inversi\u00f3n a medio
y largo plazo debido a movimientos en el valor de las acciones o \u00edndices de renta variable.
La exposici\u00f3n del Grupo BBVA al riesgo estructural de renta variable se deriva, fundamentalmente de las participaciones minoritarias
mantenidas en empresas industriales, financieras y en nuevos negocios (innovaci\u00f3n). En algunas carteras esta exposici\u00f3n se modula
con posiciones mantenidas en instrumentos derivados sobre los mismos subyacentes, al objeto de ajustar la sensibilidad de la
cartera ante potenciales variaciones de precios.
La gesti\u00f3n del riesgo de renta variable estructural est\u00e1 dirigida a incrementar la capacidad de generaci\u00f3n de resultados de las
participaciones, limitando las necesidades de capital y acotando el impacto en el nivel de solvencia mediante una gesti\u00f3n proactiva de
la cartera a trav\u00e9s de coberturas. La funci\u00f3n de gesti\u00f3n de las principales carteras de renta variable estructural corresponde a las
unidades especializadas de las \u00e1reas corporativas de Global ALM, Strategy & M&A y Client Solutions (Banking for Growth Companies).
Su actividad est\u00e1 sujeta a la pol\u00edtica corporativa de gesti\u00f3n del riesgo de renta variable estructural, respetando los principios de
gesti\u00f3n y el marco de apetito de riesgo definido.
Las m\u00e9tricas del riesgo de renta variable estructural, dise\u00f1adas por GRM acorde al modelo corporativo, contribuyen al seguimiento
efectivo del riesgo mediante la estimaci\u00f3n de la sensibilidad y el capital necesario para cubrir las posibles p\u00e9rdidas inesperadas
debidas a variaciones de valor de las compa\u00f1\u00edas que integran la cartera de inversi\u00f3n del Grupo, con un nivel de confianza que
corresponde al rating objetivo de la entidad, teniendo en cuenta la liquidez de las posiciones y el comportamiento estad\u00edstico de los
activos a considerar.
Para profundizar en el an\u00e1lisis del perfil de riesgos, peri\u00f3dicamente se llevan a cabo pruebas de tensi\u00f3n y an\u00e1lisis de sensibilidad ante
distintos escenarios simulados, tomando como base tanto situaciones de crisis pasadas como las previsiones realizadas por BBVA
Research. Estos ejercicios se llevan a cabo regularmente para evaluar vulnerabilidades de la exposici\u00f3n estructural en renta variable
no contempladas por las m\u00e9tricas de riesgo y servir como herramienta adicional a la hora de tomar decisiones de gesti\u00f3n.
Peri\u00f3dicamente se realizan contrastes de backtesting del modelo de medici\u00f3n de riesgos utilizado.
Los mercados de Renta Variable en Europa y EE.UU. se vieron negativamente afectados en 2022 por el endurecimiento de las
condiciones financieras llevado a cabo por los Bancos Centrales ante el alza de la inflaci\u00f3n. El ajuste de precios de las acciones se
achaca m\u00e1s en muchos casos a una correcci\u00f3n en las m\u00e9tricas de valoraci\u00f3n que a un deterioro significativo en relaci\u00f3n a las
expectativas de beneficios empresariales. La bolsa espa\u00f1ola cerr\u00f3 el a\u00f1o con ca\u00eddas menores a las que presentaron los principales
\u00edndices de otras geograf\u00edas de la eurozona.
En el Grupo, el riesgo estructural de renta variable, medido en t\u00e9rminos de capital econ\u00f3mico ha aumentado en el \u00faltimo a\u00f1o por la
mayor exposici\u00f3n asumida. La sensibilidad agregada del patrimonio neto consolidado del Grupo BBVA ante un descenso del -1% en el
precio de las acciones ha aumentado hasta situarse a cierre del ejercicio 2022 en -24 millones de euros, frente a los -27 millones de
euros en diciembre de 2021. En la estimaci\u00f3n de esta cifra se ha considerado la exposici\u00f3n en acciones valoradas a precio de
mercado, o en su defecto, a valor razonable (excluidas las posiciones en las carteras de las \u00c1reas de Tesorer\u00eda) y las posiciones netas
en derivados sobre los mismos subyacentes en t\u00e9rminos de delta equivalente.
7.3.4\u00a0 \u00a0 Reforma de los IBOR
El 27 de agosto de 2020, el IASB emiti\u00f3 la segunda fase de la reforma de los \u00edndices de referencia Ibor, que supone la introducci\u00f3n de
modificaciones a las NIIF 9, NIC 39, NIIF 7, NIIF 4 y NIIF 16, para garantizar que los estados financieros reflejen de la mejor manera
posible los efectos econ\u00f3micos de esta reforma.
Estas modificaciones se centran en la contabilizaci\u00f3n de los instrumentos financieros, una vez que se haya introducido un nuevo
\u00edndice de referencia libre de riesgo (Risk Free Rate en su acepci\u00f3n en ingl\u00e9s, en adelante \u201cRFR\u201d). Las modificaciones introducen la
simplificaci\u00f3n pr\u00e1ctica de contabilizar los cambios en los flujos de caja de los instrumentos financieros directamente provocados por
la reforma de Ibor, y si tienen lugar en un contexto de \u201cequivalencia econ\u00f3mica\u201d, mediante la actualizaci\u00f3n del tipo de inter\u00e9s efectivo
del instrumento. Adicionalmente, introduce una serie de exenciones a los requisitos de coberturas para no tener que interrumpir
determinadas relaciones de cobertura. Sin embargo, de manera similar a las modificaciones de la fase 1 (que entr\u00f3 ya en vigor en
2020) (ver Nota 15), las modificaciones de la fase 2 no contemplan excepciones a los requisitos de valoraci\u00f3n aplicables a las partidas
cubiertas y a los instrumentos de cobertura de conformidad con la NIIF 9 o la NIC 39. As\u00ed, una vez que se haya implantado el nuevo
\u00edndice de referencia, las partidas cubiertas y los instrumentos de cobertura deben valorarse con arreglo al nuevo \u00edndice, y la posible
ineficacia que pueda existir en la cobertura se reconocer\u00e1 en la cuenta de resultados.
La transici\u00f3n de los Ibor a los RFR se ha considerado como una iniciativa compleja, que afecta al Grupo BBVA en distintas \u00e1reas
geogr\u00e1ficas y l\u00edneas de negocio, as\u00ed como en multitud de productos, sistemas y procesos. Los principales riesgos a los que est\u00e1
expuesto el Grupo por la transici\u00f3n son; (1) riesgo de litigios relacionados con los productos y servicios ofrecidos por el Grupo; (2)
riesgos legales derivados de los cambios en la documentaci\u00f3n requerida para las operaciones existentes; (3) riesgos financieros y
contables, derivados de modelos de riesgos de mercado y de la valoraci\u00f3n, cobertura, cancelaci\u00f3n y reconocimiento de los
instrumentos financieros asociados a los \u00edndices de referencia; (4) riesgo de precio, derivado de c\u00f3mo los cambios en los \u00edndices
podr\u00edan impactar a los mecanismos de determinaci\u00f3n de precios de determinados instrumentos; (5) riesgos operacionales, ya que la
reforma puede requerir cambios en los sistemas inform\u00e1ticos del Grupo, la infraestructura de informes comerciales, los procesos
operativos y los controles, y (6) riesgos de conducta derivados del impacto potencial de las comunicaciones con clientes durante el
periodo de transici\u00f3n, que podr\u00edan dar lugar a quejas de clientes, sanciones regulatorias o impacto en la reputaci\u00f3n.
El Grupo estableci\u00f3 un proyecto de transici\u00f3n dot\u00e1ndolo de una robusta estructura de gobierno, a trav\u00e9s de un Executive Steering
Committee, con representaci\u00f3n de la alta gerencia de las \u00e1reas afectadas que depende directamente del Global Leadership Team del
Grupo. A nivel local, cada \u00e1rea geogr\u00e1fica defini\u00f3 una estructura de gobierno propia con participaci\u00f3n de la alta direcci\u00f3n. La
coordinaci\u00f3n entre \u00e1reas geogr\u00e1ficas se realiza a trav\u00e9s del Project Management Office (PMO) y de los Global Working Groups que
tienen una visi\u00f3n multi-geogr\u00e1fica y transversal en las \u00e1reas de Legal, Riesgos, Regulatoria, Finanzas y Contabilidad e Ingenier\u00eda. El
proyecto involucra tambi\u00e9n tanto a los Corporate Assurance de las distintas \u00e1reas geogr\u00e1ficas y negocios, como al Global Corporate
Assurance del Grupo.
Este proyecto de transici\u00f3n, ha tenido en cuenta los distintos enfoques y plazos de transici\u00f3n a los nuevos RFR a la hora de evaluar los
diversos riesgos asociados con la transici\u00f3n, as\u00ed como para definir las l\u00edneas de actuaci\u00f3n con la finalidad de mitigar los mismos.
BBVA est\u00e1 alineado con las Buenas Pr\u00e1cticas emitidas por el BCE que esbozan c\u00f3mo los bancos pueden estructurar mejor su
gobernanza, identificar los riesgos relacionados y crear planes de acci\u00f3n contingentes y documentaci\u00f3n en relaci\u00f3n con la transici\u00f3n
de los tipos de referencia.
BBVA est\u00e1 colaborando activamente en la transici\u00f3n de los IBOR, tanto por su apoyo y participaci\u00f3n en los grupos de trabajo
sectoriales como en su compromiso por la remediaci\u00f3n de los contratos con sus contrapartidas. En este sentido, BBVA ha realizado
un proceso de comunicaci\u00f3n y contacto con las contrapartes para modificar los t\u00e9rminos de las relaciones contractuales de forma,
que dichos acuerdos, han sido modificados utilizando diferentes mecanismos: mediante la inclusi\u00f3n de adendas a los contratos, por
la adhesi\u00f3n a protocolos est\u00e1ndares de la industria, la transici\u00f3n de la operativa por c\u00e1mara de compensaci\u00f3n, la cancelaci\u00f3n de
contratos y suscripci\u00f3n de nuevos o por la transici\u00f3n a trav\u00e9s de otros mecanismos legislativos. Este proceso ha sido gestionado a
trav\u00e9s de los mecanismos de seguimiento e indicadores que se han desarrollado por los grupos de trabajo dentro del Grupo.
La fecha oficial de discontinuaci\u00f3n de los \u00edndices LIBORs exUSD (GBP, CHF, EUR, JPY), y LIBOR USD en los plazos 1 semana y 2
meses fue el 31 de diciembre de 2021, y el 3 de enero 2022 para el caso de EONIA. No obstante, la Financial Conduct Authority (FCA) y
la Comisi\u00f3n Europea establecieron una salvaguarda legal para el caso de que hubiera algunas operaciones que no se hubieran podido
migrar antes de dichas fechas de discontinuaci\u00f3n. En el caso de la FCA, esta salvaguarda legal, denominada LIBOR Sint\u00e9tico, aplica
\u00fanicamente para contratos referenciados a LIBOR GBP y LIBOR JPY en los plazos 1, 3 y 6 meses, y permite seguir aplicando el \u00edndice
durante un plazo adicional. No obstante, la FCA ha anunciado su decisi\u00f3n de continuar publicando el LIBOR JPY sint\u00e9tico para todos
sus plazos hasta el 31 de diciembre de 2022, el GBP sint\u00e9tico a 1 mes y 6 meses hasta el 31 de marzo de 2023 y GBP sint\u00e9tico a 3
meses hasta marzo 2024.
En cambio, la Comisi\u00f3n Europea, mediante lo que se conoce como \u201cStatutory Fallback\u201d, proporciona una salvaguarda legal para
contratos EONIA y para LIBOR CHF (que entr\u00f3 en vigor el pasado 1 de enero de 2022), de forma que en los contratos sujetos a esa
medida dichos \u00edndices se sustituyen autom\u00e1ticamente y por imperativo legal, por los nuevos \u00edndices. BBVA mantiene saldos no
significativos en los mencionados LIBOR GBP y JPY sint\u00e9ticos. Estos \u00faltimos ya cuentan con una soluci\u00f3n de transici\u00f3n comunicada y
acordada con los clientes pendiente de ejecutarse en sistemas al inicio de 2023.
Respecto al LIBOR USD, en los plazos a\u00fan vigentes estos se discontinuar\u00e1n el pr\u00f3ximo 30 de junio de 2023 (excepto para los plazos
de una semana y dos meses que ya se descontinuaron en 2021, como hemos dicho anteriormente). Actualmente los diferentes
reguladores internacionales est\u00e1n estudiando la aplicaci\u00f3n de salvaguardas legales similares a la anteriormente comentada. Tal es el
caso de EEUU en donde ya ha sido aprobada una ley federal para designar un fallback estatutario en los contratos que no contemplen
o regulen una transici\u00f3n del \u00edndice LIBOR USD.
En este sentido el Grupo BBVA est\u00e1 trabajando activamente en modificar todos sus contratos referenciados a LIBOR USD al
correspondiente RFR (SOFR). A 31 de diciembre de 2022, el Grupo sigue manteniendo activos y pasivos financieros cuyos contratos
se encuentran referenciados al LIBOR USD al utilizarse, entre otros, para pr\u00e9stamos, dep\u00f3sitos y emisiones de deuda as\u00ed como
subyacente en instrumentos financieros derivados.
En el caso del EURIBOR, las autoridades europeas han promovido modificaciones en su metodolog\u00eda para que cumpla los
requerimientos del Reglamento Europeo de \u00cdndices de Referencia, por lo que este \u00edndice no desaparece.
A continuaci\u00f3n se presenta la exposici\u00f3n del Grupo BBVA a activos y pasivos financieros con vencimientos posteriores a las fechas de
transici\u00f3n de estos Ibor a sus correspondientes RFR. La tabla muestra los importes brutos a 31 de diciembre de 2022 para el caso de
pr\u00e9stamos y anticipos, de instrumentos de deuda de activo y de pasivo, de dep\u00f3sitos y de disponibles, en el caso de derivados, se
muestra su valor nocional:
Millones de euros
Pr\u00e9stamos y
anticipos
Valores
representativos
de deuda
Valores
representativos
de deuda
emitidos
Dep\u00f3sitos
Derivados
(nocional)
LIBOR sint\u00e9tico GBP y JPY
76
\u2014
\u2014
\u2014
\u2014
LIBOR USD con vencimiento > a 30 de junio de 2023
16.539
171
1.977
159
423.468
Total
16.615
171
1.977
159
423.468
De los instrumentos derivados, el 96% de la exposici\u00f3n bien se liquida por C\u00e1maras de Compensaci\u00f3n (fundamentalmente London
Clearing House) o es operativa con contrapartidas actualmente adheridas a los protocolos de International Swaps and Derivatives
Association (ISDA), concretamente los siguientes: ISDA 2020 IBOR Fallback Protocol y June 2022 Benchmark Module of the ISDA
2021 Fallback Protocol.
Riesgo de mercado
El riesgo de mercado tiene su origen en la posibilidad de que se produzcan p\u00e9rdidas en el valor de las posiciones mantenidas como
consecuencia de los movimientos en las variables de mercado que inciden en la valoraci\u00f3n de los activos y pasivos financieros. El
\u00e1mbito del riesgo de mercado en carteras de negociaci\u00f3n del Grupo viene principalmente delimitado a las carteras originadas por
Global Markets valoradas a valor razonable y mantenidas con el prop\u00f3sito de negociar y generar resultados a corto plazo. El riesgo de
mercado en el \u00e1mbito del banking book se encuentra claramente delimitado y separado en los riesgos estructurales del tipo de inter\u00e9s
y spread de cr\u00e9dito, de tipo de cambio y de renta variable (ver Nota 7.3).
7.4.1Riesgo de mercado en carteras de negociaci\u00f3n
El riesgo de mercado en carteras de negociaci\u00f3n se puede categorizar en las siguientes agregaciones:
\u2013Riesgo de tipos de inter\u00e9s: surge como consecuencia de la exposici\u00f3n al movimiento en las diferentes curvas de tipos de
inter\u00e9s en los que se est\u00e1 operando. Si bien los productos t\u00edpicos generadores de sensibilidad a los movimientos en los tipos
de inter\u00e9s son los productos del mercado monetario (dep\u00f3sitos, futuros sobre tipos de inter\u00e9s, call money swaps, etc.) y los
derivados de tipos de inter\u00e9s tradicionales (swaps, opciones sobre tipos de inter\u00e9s \u2013 caps, floors, swaption, etc.), la pr\u00e1ctica
totalidad de los productos financieros tienen una exposici\u00f3n a movimientos en los tipos de inter\u00e9s por el efecto en la
valoraci\u00f3n de los mismos del descuento financiero.
\u2013Riesgo de renta variable: surge como consecuencia del movimiento en los precios de las acciones. Dicho riesgo se genera
en las posiciones en contado de acciones as\u00ed como en cualquier producto derivado cuyo subyacente sea una acci\u00f3n o un
\u00edndice de renta variable. Como un sub-riesgo del de renta variable surge el riesgo de dividendo, como input de cualquier
opci\u00f3n sobre renta variable, su variabilidad puede afectar a la valoraci\u00f3n de las posiciones y, por lo tanto, es un factor
generador de riesgo en los libros.
\u2013Riesgo de tipo de cambio: se produce por el movimiento en los tipos de cambio de las diferentes divisas en las que se tiene
posici\u00f3n. Al igual que el de renta variable, este riesgo se genera en las posiciones de contado de divisa, as\u00ed como en
cualquier producto derivado cuyo subyacente sea un tipo de cambio. Adicionalmente, el efecto quanto (operaciones donde
el subyacente y el nominal de la operaci\u00f3n est\u00e9n denominados en divisas diferentes) conlleva que en determinadas
operaciones donde el subyacente no sea una divisa se genere un riesgo de tipo de cambio que es preciso medir y
monitorear.
\u2013Riesgo de spread de cr\u00e9dito: El spread de cr\u00e9dito es un indicador de mercado de la calidad crediticia de un emisor. El riesgo
de spread se produce por las variaciones en los niveles de spread tanto de emisores corporativos como gubernamentales y
afecta tanto a las posiciones en bonos como en derivados de cr\u00e9dito.
\u2013Riesgo de volatilidad: se produce como consecuencia de las variaciones en los niveles de volatilidad impl\u00edcita a la que
cotizan los diferentes instrumentos de mercado en los que se negocien derivados. Este riesgo, a diferencia del resto, es un
componente exclusivo de la operativa en derivados y se define como un riesgo de primer orden al cambio en la volatilidad
que se genera en todos los posibles subyacentes en los que existan productos con opcionalidad que precisen de un input de
volatilidad para su valoraci\u00f3n.
Las m\u00e9tricas desarrolladas para el control y seguimiento del riesgo de mercado en el Grupo BBVA est\u00e1n alineadas con las mejores
pr\u00e1cticas del mercado e implementadas de manera consistente en todas las unidades locales de riesgo de mercado.
Los procedimientos de medici\u00f3n se establecen en t\u00e9rminos de c\u00f3mo impactar\u00eda una posible evoluci\u00f3n negativa de las condiciones de
los mercados, tanto bajo circunstancias ordinarias como en situaciones de tensi\u00f3n, a la cartera de trading de las unidades de Global
Markets del Grupo.
La m\u00e9trica est\u00e1ndar de medici\u00f3n del riesgo de mercado es el Valor en Riesgo (en adelante, \"VaR\" por sus siglas en ingl\u00e9s), que indica
las p\u00e9rdidas m\u00e1ximas que se pueden producir en las carteras a un nivel de confianza dado (99%) y a un horizonte temporal (un d\u00eda).
Este valor estad\u00edstico, de uso generalizado en el mercado, tiene la ventaja de resumir en una \u00fanica m\u00e9trica los riesgos inherentes a la
actividad de trading teniendo en cuenta las relaciones existentes entre todos ellos, proporcionando la predicci\u00f3n de p\u00e9rdidas que
podr\u00eda experimentar la cartera de trading como resultado de las variaciones de los precios de los mercados de renta variable, tipos de
inter\u00e9s, tipos de cambio y cr\u00e9dito. Adicionalmente, y para determinadas posiciones resulta necesario considerar tambi\u00e9n otros
riesgos, como el de spread de cr\u00e9dito, el de base, el de volatilidad o el riesgo de correlaci\u00f3n.
En lo que respecta a los modelos de medici\u00f3n de riesgos utilizados por el Grupo BBVA, Banco de Espa\u00f1a ha autorizado la utilizaci\u00f3n
del modelo interno para el c\u00e1lculo de recursos propios para las posiciones de riesgo de la cartera de negociaci\u00f3n de BBVA, S.A. y de
BBVA M\u00e9xico que, conjuntamente, contribuyen en torno a un 63 %, 77% y 72% del riesgo de mercado de la cartera de negociaci\u00f3n
del Grupo a 31 de diciembre de 2022, 2021 y 2020, respectivamente. Para el resto de \u00e1reas geogr\u00e1ficas (fundamentalmente, Am\u00e9rica
del Sur y Garanti BBVA) el c\u00e1lculo de recursos propios para las posiciones de riesgo de la cartera de negociaci\u00f3n se realiza utilizando
el modelo est\u00e1ndar.
La estructura vigente de gesti\u00f3n incluye seguimiento de l\u00edmites de riesgo de mercado que consiste en un esquema de l\u00edmites basados
en m\u00e9tricas propias de las actividades de mercado (VaR- Value at Risk-, capital econ\u00f3mico, as\u00ed como de stop loss para cada una de las
unidades de negocio del Grupo).
El modelo utilizado estima el VaR de acuerdo con la metodolog\u00eda de \u201csimulaci\u00f3n hist\u00f3rica\u201d, que consiste en estimar las p\u00e9rdidas y
ganancias que se hubieran producido en la cartera actual de repetirse las variaciones en las condiciones de los mercados que
tuvieron lugar a lo largo de un determinado per\u00edodo de tiempo y, a partir de esa informaci\u00f3n, inferir la p\u00e9rdida m\u00e1xima previsible de la
cartera actual con un determinado nivel de confianza. Este modelo presenta la ventaja de reflejar de forma precisa la distribuci\u00f3n
hist\u00f3rica de las variables de mercado y de no requerir ning\u00fan supuesto de distribuci\u00f3n de probabilidad espec\u00edfica. El per\u00edodo hist\u00f3rico
utilizado en este modelo es de dos a\u00f1os.
Las cifras de VaR se estiman siguiendo estas metodolog\u00edas:
\u2013VaR sin alisado, que equipondera la informaci\u00f3n diaria de los \u00faltimos 2 a\u00f1os transcurridos. Actualmente \u00e9sta es la
metodolog\u00eda oficial de medici\u00f3n de riesgos de mercado de cara al seguimiento y control de l\u00edmites de riesgo.
\u2013VaR con alisado, que da mayor peso a la informaci\u00f3n m\u00e1s reciente de los mercados. Es una medici\u00f3n complementaria a la
anterior.
La utilizaci\u00f3n del VaR por simulaci\u00f3n hist\u00f3rica como m\u00e9trica de riesgo presenta numerosas ventajas, aunque tambi\u00e9n ciertas
limitaciones, entre las cuales cabr\u00eda destacar:
\u2013La estimaci\u00f3n de la p\u00e9rdida m\u00e1xima diaria de las posiciones de la cartera de Global Markets (con un nivel de confianza del
99%) depende de los movimientos de mercado de los dos \u00faltimos a\u00f1os, por lo que no va a recoger eventos de mercado de
gran impacto si \u00e9stos no se han producido en dicha ventana hist\u00f3rica.
\u2013La utilizaci\u00f3n del nivel de confianza del 99% no tiene en consideraci\u00f3n el orden de magnitud de las p\u00e9rdidas potenciales que
pueden ocurrir m\u00e1s all\u00e1 de dicho nivel. Para mitigar esta limitaci\u00f3n, adicionalmente se realizan diferentes ejercicios de
stress, descritos posteriormente.
Asimismo, y siguiendo las directrices establecidas por las autoridades espa\u00f1olas y europeas, BBVA incorpora m\u00e9tricas adicionales al
VaR con el fin de satisfacer los requerimientos regulatorios de Banco de Espa\u00f1a a efectos de c\u00e1lculo de recursos propios para la
cartera de negociaci\u00f3n. En concreto, las medidas incorporadas en el Grupo desde diciembre 2011 (que siguen las pautas establecidas
por Basilea 2.5) son:
\u2013VaR: En t\u00e9rminos regulatorios, a la carga por VaR se incorpora la carga por VaR stress, comput\u00e1ndose la suma de las dos
(VaR y VaR stress). Se cuantifica as\u00ed la p\u00e9rdida asociada a movimientos de los factores de riesgo inherentes a la operativa
de mercados (tipo de inter\u00e9s, tipo de cambio, renta variable, cr\u00e9dito, etc.). Tanto al VaR como al VaR stress, se les reescala
por un multiplicador regulatorio (entre 3 y 4) y por la ra\u00edz de diez para calcular la carga de capital.
\u2013Riesgo Espec\u00edfico: Incremental Risk Capital (\u201cIRC\u201d). Cuantificaci\u00f3n de los riesgos de impago y cambios de calificaci\u00f3n
crediticia de las posiciones de en bonos, y derivados de cr\u00e9dito y fondos de deuda con look-through diario o benchmark
significativo (correlaci\u00f3n > 90%) de la cartera de Trading. El capital de riesgo espec\u00edfico por IRC es una carga exclusiva para
aquellas \u00e1reas geogr\u00e1ficas con modelo interno aprobado (BBVA, S.A. y BBVA M\u00e9xico). La carga de capital se determina en
base a las p\u00e9rdidas asociadas (al 99,9% en un horizonte de 1 a\u00f1o bajo la hip\u00f3tesis de riesgo constante) consecuencia de la
migraci\u00f3n de rating y/o estado de incumplimiento o default por parte del emisor del activo. Adicionalmente, se incluye el
riesgo de precio en posiciones de soberanos por los conceptos se\u00f1alados.
\u2013Riesgo Espec\u00edfico: Titulizaciones, Carteras de correlaci\u00f3n y Fondos de inversi\u00f3n sin look-through. La carga de capital por las
titulizaciones y por la cartera de correlaci\u00f3n recogen las p\u00e9rdidas potenciales asociadas a la ocurrencia de un evento
crediticio en las exposiciones subyacentes. Ambas son calculadas por m\u00e9todo est\u00e1ndar. El per\u00edmetro de las carteras de
correlaci\u00f3n est\u00e1 referido a operativa de mercado del tipo FTD y/o tranchas de CDOs de mercado y s\u00f3lo para posiciones con
mercado activo y capacidad de cobertura. La carga de capital por Fondos recoge las p\u00e9rdidas asociadas a la volatilidad y
riesgo de cr\u00e9dito de las exposiciones subyacentes del fondo. Todas las cargas son calculadas por m\u00e9todo est\u00e1ndar.
Peri\u00f3dicamente, se realizan pruebas de validez de los modelos de medici\u00f3n de riesgos utilizados por el Grupo, que estiman la p\u00e9rdida
m\u00e1xima que se podr\u00eda haber producido en las posiciones consideradas con un nivel de probabilidad determinado (backtesting), as\u00ed
como mediciones de impacto de movimientos extremos de mercado en las posiciones de riesgo mantenidas (stress testing). Como
medida de control adicional se realizan pruebas de backtesting a nivel de mesas de contrataci\u00f3n con el objetivo de hacer un
seguimiento m\u00e1s espec\u00edfico de la validez de los modelos de medici\u00f3n.
El riesgo de mercado en el ejercicio 2022
El riesgo de mercado del Grupo en 2022 contin\u00faa en niveles bajos si se compara con otras magnitudes de riesgos gestionadas por
BBVA, especialmente las de riesgo de cr\u00e9dito. Ello es consecuencia de la naturaleza del negocio. Durante el ejercicio 2022, el VaR
promedio se ha situado en 27 millones de euros, niveles inferiores a los del ejercicio 2021, con un nivel m\u00e1ximo en el a\u00f1o alcanzado el
d\u00eda 12 de enero de 2022 que ascendi\u00f3 a 36 millones de euros. Seguidamente se muestra la evoluci\u00f3n del riesgo de mercado del Grupo
BBVA durante el ejercicio 2022, medido en t\u00e9rminos de VaR (sin alisado), con un nivel de confianza del 99% y horizonte de 1 d\u00eda
expresado en millones de euros.
Por tipolog\u00eda de riesgo de mercado asumido por la cartera de trading del Grupo, el principal factor de riesgo en el Grupo contin\u00faa
siendo el ligado a los tipos de inter\u00e9s, con un peso del 54% del total a finales del ejercicio 2022 (esta cifra incorpora el riesgo de
spread), disminuyendo ligeramente el peso relativo frente al cierre del ejercicio 2021 (57%). Por otro lado, el riesgo cambiario
representa un 22%, aumentando su proporci\u00f3n con respecto al cierre del ejercicio 2021 (16%), mientras que el de renta variable y el
de volatilidad y correlaci\u00f3n, aumentan, presentando un peso del 11% a cierre del ejercicio 2022 (contra un 9% a cierre del ejercicio
2021).
A 31 de diciembre de 2022, 2021 y 2020 el saldo de VaR fue de 29, 31 y 28 millones de euros, respectivamente, con el siguiente
desglose:
VaR por factores de riesgo (Millones de euros)
Riesgo de inter\u00e9s
y spread
Riesgo de
cambio
Riesgo renta
variable
Riesgo
volatilidad/
correlaci\u00f3n
Efecto
diversificaci\u00f3n (1)
Total
2022
VaR medio del ejercicio
33
8
3
7
(23)
27
VaR m\u00e1ximo del ejercicio
35
12
2
11
(24)
36
VaR m\u00ednimo del ejercicio
25
10
2
11
(28)
19
VaR al final del ejercicio
32
13
7
5
(28)
29
2021
VaR medio del ejercicio
33
10
2
11
(28)
29
VaR m\u00e1ximo del ejercicio
32
13
4
1
(14)
36
VaR m\u00ednimo del ejercicio
27
9
1
10
(25)
22
VaR al final del ejercicio
34
9
5
11
(29)
31
2020
VaR medio del ejercicio
29
12
4
11
(28)
27
VaR m\u00e1ximo del ejercicio
39
20
10
20
(14)
39
VaR m\u00ednimo del ejercicio
20
3
1
6
(39)
18
VaR al final del ejercicio
32
12
2
11
(29)
28
(1) El efecto diversificaci\u00f3n es la diferencia entre la suma de los factores de riesgo medidos individualmente y la cifra de VaR total que recoge la correlaci\u00f3n impl\u00edcita existente
entre todas las variables y escenarios usados en la medici\u00f3n.
Validaci\u00f3n del modelo
El modelo interno de riesgo de mercado es validado peri\u00f3dicamente a trav\u00e9s de la realizaci\u00f3n de pruebas de backtesting tanto en
BBVA, S.A como en Global Markets M\u00e9xico (en BBVA M\u00e9xico). El objetivo de las pruebas de backtesting es validar la calidad y
precisi\u00f3n del modelo interno que el Grupo BBVA utiliza para estimar la p\u00e9rdida m\u00e1xima diaria de una cartera, para el 99% de
confianza y un horizonte temporal de 250 d\u00edas, mediante la comparaci\u00f3n de los resultados del Grupo y las medidas de riesgo
generadas por el modelo. Dichas pruebas constataron que los modelos internos de riesgo de mercado de BBVA, S.A. y de Global
Markets M\u00e9xico son adecuados y precisos.
Durante los ejercicios 2022, 2021 y 2020 se elaboraron dos tipos de backtesting:
\u2013Backtesting \u201cHipot\u00e9tico\u201d: el VaR diario se compara con los resultados obtenidos sin tener en cuenta los resultados intrad\u00eda
ni los cambios en las posiciones de la cartera. De este modo, se valida la idoneidad de la m\u00e9trica de riesgo de mercado para
la posici\u00f3n a fin de d\u00eda.
\u2013Backtesting \u201cReal\u201d: el VaR diario se compara con los resultados totales, incluyendo la operativa intrad\u00eda, pero descontando
las posibles franquicias o comisiones generadas. Este tipo de backtesting incorpora el riesgo intrad\u00eda en las carteras.
Adem\u00e1s, cada uno de estos dos tipos de backtesting se realiz\u00f3 a nivel de factor de riesgo o tipo de negocio, pudiendo as\u00ed profundizar
m\u00e1s en la comparativa de resultados versus medidas de riesgo.
En el periodo comprendido entre finales del ejercicio 2021 y finales del ejercicio 2022, se realiz\u00f3 el backtesting del modelo interno de
c\u00e1lculo de VaR, comparando los resultados diarios obtenidos con el nivel de riesgo estimado diario por el modelo de c\u00e1lculo de VaR.
En dicho ejercicio no se produjo ninguna excepci\u00f3n negativa en BBVA, S.A. Por su parte en BBVA M\u00e9xico, se produjeron dos
excepciones negativas.
Al final del ejercicio, el contraste mostr\u00f3 un correcto funcionamiento del mismo, manteni\u00e9ndose dentro de la zona \u201cverde\u201d (0-4
excepciones), que permite aceptar el modelo, tal y como ha venido ocurriendo cada ejercicio desde que se aprob\u00f3 el modelo interno
de riesgo de mercado en el Grupo.
An\u00e1lisis de Stress Test
En las carteras de trading del Grupo BBVA se realizan diferentes ejercicios de stress test. Por un lado se emplean escenarios
hist\u00f3ricos, tanto globales como locales, que replican el comportamiento de alg\u00fan evento extremo pasado, como pudo ser la quiebra
de Lehman Brothers o la crisis del \u201cTequilazo\u201d. Estos ejercicios de stress se complementan con escenarios simulados, donde lo que
se busca es generar escenarios que impactan significativamente a las diferentes carteras, pero sin anclarse en ning\u00fan escenario
hist\u00f3rico concreto. Por \u00faltimo, para determinadas carteras o posiciones, tambi\u00e9n se elaboran ejercicios de stress test fijos que
impactan de manera significativa las variables de mercado que afectan a esas posiciones.
Escenarios hist\u00f3ricos
El escenario de stress hist\u00f3rico de referencia en el Grupo BBVA es el de Lehman Brothers, cuya abrupta quiebra en septiembre de
2008 deriv\u00f3 en un impacto significativo en el comportamiento de los mercados financieros a nivel global. Podr\u00edamos destacar como
los efectos m\u00e1s relevantes de este escenario hist\u00f3rico los siguientes:
\u2013Shock de cr\u00e9dito: reflejado principalmente en el aumento de los spreads de cr\u00e9dito, y downgrades en calificaciones
crediticias.
\u2013Aumento en la volatilidad de gran parte de los mercados financieros dando lugar a mucha variaci\u00f3n en los precios de los
diferentes activos (divisas, equity, deuda).
\u2013Shock de liquidez en los sistemas financieros, cuyo reflejo fue un fuerte movimiento de las curvas interbancarias,
especialmente en los tramos m\u00e1s cortos de las curvas del euro y del d\u00f3lar.
Escenarios simulados
A diferencia de los escenarios hist\u00f3ricos, que son fijos y que, por tanto, no se adaptan a la composici\u00f3n de los riesgos de la cartera en
cada momento, el escenario utilizado para realizar los ejercicios de stress econ\u00f3mico se sustenta bajo metodolog\u00eda de Resampling.
Esta metodolog\u00eda se basa en la utilizaci\u00f3n de escenarios din\u00e1micos que se recalculan peri\u00f3dicamente en funci\u00f3n de cu\u00e1les son los
principales riesgos mantenidos en las carteras de trading. Sobre una ventana de datos lo suficientemente amplia como para recoger
diferentes periodos de stress (se toman datos desde el 1 de enero de 2008 hasta la fecha de evaluaci\u00f3n), se realiza un ejercicio de
simulaci\u00f3n mediante el remuestreo de las observaciones hist\u00f3ricas, generando una distribuci\u00f3n de p\u00e9rdidas y ganancias que permita
analizar eventos m\u00e1s extremos de los ocurridos en la ventana hist\u00f3rica seleccionada. La ventaja de esta metodolog\u00eda es que el
per\u00edodo de stress no est\u00e1 preestablecido, sino que es funci\u00f3n de la cartera mantenida en cada momento, y que al hacer un elevado
n\u00famero de simulaciones (10.000 simulaciones) permite realizar an\u00e1lisis de expected shortfall con mayor riqueza de informaci\u00f3n que
la disponible en los escenarios incluidos en el c\u00e1lculo de VaR.
Las principales caracter\u00edsticas de esta metodolog\u00eda son las siguientes: a) las simulaciones generadas respetan la estructura de
correlaci\u00f3n de los datos, b) flexibilidad en la inclusi\u00f3n de nuevos factores de riesgo y c) permite introducir mucha variabilidad en las
simulaciones (deseable para considerar eventos extremos).
A continuaci\u00f3n se muestra el impacto esperado del stress test en la cuenta de p\u00e9rdidas y ganancias consolidada bajo una simulaci\u00f3n
multivariante de los factores de riesgo que componen el portfolio (impacto esperado calculado con un nivel de confianza del 97,5% a
20 d\u00edas) a 31 de diciembre de 2022:
Impacto esperado del stress test (Millones de euros)
0
Europa
M\u00e9xico
Per\u00fa
Venezuela
Argentina
Colombia
Turqu\u00eda
Impacto esperado
(86)
(42)
(7)
\u2014
(8)
(4)
(22)
7.4.2Compensaci\u00f3n de instrumentos financieros
Los activos y pasivos financieros pueden ser objeto de compensaci\u00f3n, es decir, de presentaci\u00f3n por un importe neto en el balance
consolidado, s\u00f3lo cuando las entidades del Grupo cumplen con lo establecido en la NIC 32, y tienen, por tanto, el derecho, exigible
legalmente, de compensar los importes reconocidos, y la intenci\u00f3n de liquidar la cantidad neta o de realizar el activo y proceder al
pago del pasivo de forma simult\u00e1nea.
Adicionalmente, el Grupo tiene activos y pasivos no compensados en el balance consolidado para los que existen acuerdos marco de
compensaci\u00f3n Master Netting Agreement, pero para los que no existe ni la intenci\u00f3n ni el derecho de liquidar por netos. Los tipos de
eventos m\u00e1s comunes que desencadenan la compensaci\u00f3n de obligaciones rec\u00edprocas son la quiebra de la entidad, la aceleraci\u00f3n del
endeudamiento, la falta de pago, la reestructuraci\u00f3n o la disoluci\u00f3n de la entidad.
En el actual contexto de mercado, los derivados se contratan bajo diferentes contratos marco siendo los m\u00e1s generalizados los
desarrollados por la International Swaps and Derivatives Association (ISDA) y para el mercado espa\u00f1ol el Contrato Marco de
Operaciones Financieras (CMOF). La pr\u00e1ctica totalidad de las operaciones de derivados en cartera han sido celebrados bajo estos
contratos marco, incluyendo en ellos las cl\u00e1usulas de neteo referidas en el punto anterior como Master Netting Agreement,
reduciendo considerablemente la exposici\u00f3n crediticia en estos instrumentos. Adicionalmente, en los contratos firmados con las
contrapartidas profesionales, se incluyen los anexos de acuerdos de colateral denominados Credit Support Annex (CSA) en ISDA y
Anexo III en CMOF, minimizando de esta forma la exposici\u00f3n ante una eventual quiebra de la contrapartida.
Asimismo, el Grupo posee un alto volumen de adquisiciones y cesiones temporales de activos transaccionados a trav\u00e9s de c\u00e1maras
de compensaci\u00f3n que articulan mecanismos de reducci\u00f3n de riesgo de contrapartida, as\u00ed como a trav\u00e9s de la firma de diversos
contratos marco en la operativa bilateral, siendo el m\u00e1s utilizado el contrato GMRA (Global Master Repurchase Agreement), que
publica el International Capital Market Association (ICMA), al que suelen incorporarse las cl\u00e1usulas relativas al intercambio de
colateral dentro del propio cuerpo del contrato marco.
A continuaci\u00f3n se presenta a 31 de diciembre de 2022, 2021 y 2020 un resumen del efecto de la compensaci\u00f3n (v\u00eda neteo y colateral)
para la operativa de derivados financieros y operaciones de financiaci\u00f3n de valores:
Efecto de la compensaci\u00f3n para la operativa de derivados financieros y operaciones de financiaci\u00f3n (Millones de euros)
Importe bruto no
compensado en balance (D)
Notas
Importe
bruto
reconocido
(A)
Importe
compensado
en balance
(B)
Importe
neto
presentado
en balance
(C=A-B)
Importe
relativo a
instrumentos
financieros
reconocidos
Colaterales
(Incluyendo
efectivo)
Importe neto
(E=C-D)
Diciembre 2022
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
52.354
10.554
41.800
29.251
11.461
1.088
Adquisici\u00f3n temporal de activos y
similares
47.111
\u2014
47.111
47.217
970
(1.077)
Total activo
99.465
10.554
88.911
76.468
12.431
11
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
51.767
10.554
41.213
31.063
9.498
651
Cesi\u00f3n temporal de activos y similares
54.382
\u2014
54.382
53.439
586
357
Total pasivo
106.149
10.554
95.594
84.502
10.084
1.008
Diciembre 2021
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
36.349
3.611
32.737
22.524
8.758
1.456
Adquisici\u00f3n temporal de activos y
similares
54.296
\u2014
54.296
55.010
2.213
(2.927)
Total activo
90.645
3.611
87.034
77.534
10.971
(1.471)
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
37.916
3.584
34.331
22.524
10.119
1.688
Cesi\u00f3n temporal de activos y similares
54.159
\u2014
54.159
58.174
679
(4.694)
Total pasivo
92.074
3.584
88.490
80.698
10.798
(3.006)
Diciembre 2020
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
47.862
5.688
42.173
33.842
9.018
(686)
Adquisici\u00f3n temporal de activos y
similares
32.121
\u2014
32.121
32.762
161
(802)
Total activo
79.983
5.688
74.294
66.604
9.178
(1.488)
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
49.720
5.722
43.998
33.842
9.435
721
Cesi\u00f3n temporal de activos y similares
41.571
\u2014
41.571
42.298
1.619
(2.346)
Total pasivo
91.291
5.722
85.569
76.140
11.054
(1.624)
El importe relativo a instrumentos financieros reconocidos recoge, en los derivados, el efecto en caso de compensaci\u00f3n con las
contrapartidas con las que el Grupo mantiene acuerdos de neteo, mientras que en las adquisiciones y cesiones temporales recoge el
valor de mercado de los colaterales asociados a las operaciones.
Riesgo de liquidez y financiaci\u00f3n
El riesgo de liquidez y financiaci\u00f3n se define como la imposibilidad de una entidad financiera para atender sus compromisos de pago
por falta de fondos o que, para atenderlos, tenga que recurrir a la obtenci\u00f3n de fondos en condiciones especialmente gravosas.
7.5.1Estrategia y planificaci\u00f3n de la liquidez y financiaci\u00f3n
El Grupo BBVA es una instituci\u00f3n financiera multinacional que focaliza su negocio principalmente en actividades de banca minorista y
comercial. Al modelo de negocio minorista, que conforma su n\u00facleo de negocio, se le suma la banca corporativa y de inversi\u00f3n,
localizada en el \u00e1rea global de C&IB (Corporate & Investment Banking).
La Gesti\u00f3n del Riesgo de Liquidez y Financiaci\u00f3n est\u00e1 dirigida a mantener una s\u00f3lida estructura de balance que permita la
sostenibilidad del modelo de negocio. La estrategia de Liquidez y Financiaci\u00f3n del Grupo est\u00e1 basada en los siguientes pilares:
\u2013Principio de autosuficiencia financiera de filiales, por lo que cada una de las Unidades de Gesti\u00f3n de Liquidez (UGL) debe
cubrir de manera independiente sus necesidades de financiaci\u00f3n en los mercados donde opera, evitando eventuales
contagios por crisis que podr\u00edan afectar a una o varias UGL del Grupo.
\u2013Recursos estables de clientes como principal fuente de financiaci\u00f3n en todas las UGL, de acuerdo al modelo de negocio del
Grupo.
\u2013Diversificaci\u00f3n de las fuentes de financiaci\u00f3n mayorista, en plazo, mercado, instrumentos, contrapartidas y divisas, con
acceso recurrente al mercado.
\u2013Cumplimiento de los requerimientos regulatorios, asegurando la disponibilidad de amplios buffers de liquidez de alta
calidad, as\u00ed como de instrumentos suficientes requeridos por la regulaci\u00f3n con capacidad de absorber p\u00e9rdidas.
\u2013Cumplimiento de las m\u00e9tricas internas de Riesgo de Liquidez y Financiaci\u00f3n, cumpliendo en todo momento con el nivel de
Apetito al Riesgo establecido para cada UGL.
La Gesti\u00f3n del Riesgo de Liquidez y Financiaci\u00f3n tiene como objetivo, en el corto plazo, evitar que una entidad tenga dificultades para
atender a sus compromisos de pago en el tiempo y forma previstos o que, para atenderlos, tenga que recurrir a la obtenci\u00f3n de
fondos en condiciones gravosas que deterioren la imagen o reputaci\u00f3n de la entidad.
En el medio plazo, tiene como objetivo velar por la idoneidad de la estructura financiera del Grupo y su evoluci\u00f3n, en el marco de la
situaci\u00f3n econ\u00f3mica, de los mercados y de los cambios regulatorios.
Esta gesti\u00f3n de la financiaci\u00f3n estructural y de la liquidez, est\u00e1 fundamentada en el principio de la autosuficiencia financiera de las
entidades que lo integran, enfoque que contribuye a prevenir y limitar el riesgo de liquidez al reducir la vulnerabilidad del Grupo en
periodos de riesgo elevado. En virtud de esta gesti\u00f3n descentralizada, se evitan eventuales contagios por crisis que podr\u00edan afectar
s\u00f3lo a una o varias de las entidades del Grupo, que con actuaci\u00f3n independiente deben cubrir sus necesidades de liquidez en los
mercados donde operan.
Dentro de esta estrategia, el Grupo BBVA se estructura en torno a ocho UGL formadas por la matriz y las filiales bancarias en cada
\u00e1rea geogr\u00e1fica, m\u00e1s las sucursales que dependan de ellas.
Adicionalmente, la pol\u00edtica en materia de Gesti\u00f3n del Riesgo de Liquidez y Financiaci\u00f3n se fundamenta en la robustez de su modelo y
en la planificaci\u00f3n e integraci\u00f3n de la gesti\u00f3n del riesgo en el proceso presupuestario de cada UGL, acorde al apetito al riesgo de
liquidez y financiaci\u00f3n que decide asumir en el desarrollo de su negocio.
La planificaci\u00f3n de la liquidez y financiaci\u00f3n se enmarca dentro de los procesos estrat\u00e9gicos de planificaci\u00f3n presupuestaria y de
negocio de la entidad. Tiene como objetivo permitir el crecimiento recurrente del negocio bancario en condiciones adecuadas de
plazo y coste dentro de los niveles de tolerancia al riesgo establecidos, a trav\u00e9s de una amplia gama de instrumentos que permitan
diversificar las fuentes de financiaci\u00f3n, y manteniendo un amplio volumen de activos l\u00edquidos de alta calidad disponibles.
7.5.2Gobernanza y monitorizaci\u00f3n
La responsabilidad de la gesti\u00f3n de la Liquidez y Financiaci\u00f3n, en el desarrollo de la normal actividad del negocio corresponde al \u00e1rea
de Finanzas como primera l\u00ednea de defensa en la gesti\u00f3n de los riesgos inherentes a dicha actividad, de acuerdo a los principios
establecidos por la EBA y en l\u00ednea con los est\u00e1ndares, pol\u00edticas, procedimientos y controles m\u00e1s exigentes, en el Marco fijado por los
\u00f3rganos sociales. Finanzas, a trav\u00e9s del \u00e1rea de Gesti\u00f3n de Balance, planifica y ejecuta la financiaci\u00f3n del Gap estructural de largo
plazo de cada una de las UGL y propone al Comit\u00e9 de Activos y Pasivos (COAP) las actuaciones a adoptar en esta materia, acorde con
las pol\u00edticas establecidas por la Comisi\u00f3n de Riesgos y Cumplimiento y de acuerdo con las m\u00e9tricas del Marco de Apetito de Riesgo
aprobado por el Consejo de Administraci\u00f3n.
Finanzas es tambi\u00e9n responsable de la elaboraci\u00f3n del reporting regulatorio de la liquidez, coordinando con las \u00e1reas responsables en
cada UGL los procesos necesarios para cubrir los requerimientos que se generen a nivel corporativo y regulatorio, asegur\u00e1ndose de la
integridad de la informaci\u00f3n proporcionada.
GRM es responsable de garantizar que el riesgo de liquidez y financiaci\u00f3n en el Grupo se gestiona seg\u00fan el marco establecido por los
\u00f3rganos corporativos. Tambi\u00e9n se ocupa de la identificaci\u00f3n, medici\u00f3n, seguimiento y control de dichos riesgos y su comunicaci\u00f3n a
los \u00f3rganos pertinentes corporativos. Para llevar a cabo esta labor de manera adecuada, la funci\u00f3n de Riesgos en el Grupo se ha
configurado como una funci\u00f3n \u00fanica, global e independiente de las \u00e1reas de gesti\u00f3n.
Adicionalmente, el Grupo tiene, en su segunda l\u00ednea de defensa una unidad de Control Interno de Riesgos, que realiza una revisi\u00f3n
independiente del control del Riesgo de Liquidez y Financiaci\u00f3n, y una Unidad de Control Interno Financiero que revisa el dise\u00f1o y
efectividad de los controles operativos sobre la gesti\u00f3n y reporting de la liquidez.
Como tercera l\u00ednea de defensa del modelo de control interno del Grupo, Auditor\u00eda Interna se encarga de revisar controles y procesos
espec\u00edficos conforme a un plan de trabajo que se traza anualmente.
Los objetivos fundamentales del Grupo en t\u00e9rminos de riesgo de liquidez y financiaci\u00f3n se determinan a trav\u00e9s del Liquidity Coverage
Ratio (LCR) y el Loan to Stable Customer Deposits (LtSCD).
La m\u00e9trica regulatoria LCR tiene como objeto garantizar la resistencia de las entidades ante un escenario de tensi\u00f3n de liquidez
dentro de un horizonte temporal de 30 d\u00edas. BBVA, dentro de su marco de apetito al riesgo y de sus esquemas de l\u00edmites y alertas, ha
incluido un nivel de exigencia de cumplimiento del LCR tanto para el conjunto del Grupo como para cada una de las UGL
individualmente. Los niveles internos exigidos est\u00e1n orientados a cumplir con eficiencia el requerimiento regulatorio, en un nivel
holgado por encima del 100%.
La ratio LtSCD mide la relaci\u00f3n entre la inversi\u00f3n crediticia neta y los recursos estables de clientes. Esta m\u00e9trica tiene como objetivo
preservar una estructura de financiaci\u00f3n estable en el medio plazo de cada una de las UGL que componen el Grupo BBVA, teniendo
en cuenta que el mantenimiento de un adecuado volumen de recursos estables de clientes es clave para alcanzar un perfil s\u00f3lido de
liquidez. En las \u00e1reas geogr\u00e1ficas con balances en doble divisa se controla tambi\u00e9n el indicador por divisa, para gestionar los
desequilibrios que pudieran surgir.
Se consideran recursos estables de clientes la financiaci\u00f3n captada y gestionada por las UGL entre sus clientes objetivo. Estos
recursos se caracterizan por su baja sensibilidad a alteraciones en los mercados y por su comportamiento poco vol\u00e1til en saldos
agregados por operativa, como consecuencia de la vinculaci\u00f3n del cliente con la unidad. Los recursos estables se obtienen aplicando
a cada segmento de cliente identificado un haircut determinado por el an\u00e1lisis de estabilidad de saldos a trav\u00e9s del que se valoran
distintos aspectos (concentraci\u00f3n, estabilidad, grado de vinculaci\u00f3n). La base principal de los recursos estables est\u00e1 formada por
dep\u00f3sitos de clientes minoristas y empresas.
Con la finalidad de establecer los niveles objetivo (m\u00e1ximos) de LtSCD en cada UGL y proporcionar una referencia de estructura de
financiaci\u00f3n \u00f3ptima en t\u00e9rminos de apetito de riesgo, la unidad corporativa de Riesgos Estructurales de GRM identifica y eval\u00faa las
variables econ\u00f3micas y financieras que condicionan las estructuras de financiaci\u00f3n en las diferentes \u00e1reas geogr\u00e1ficas.
Adicionalmente, la gesti\u00f3n del riesgo de liquidez y financiaci\u00f3n persigue lograr una correcta diversificaci\u00f3n de la estructura de
financiaci\u00f3n. Con el objetivo de evitar una elevada dependencia de la financiaci\u00f3n a corto plazo, se establece un nivel m\u00e1ximo de
captaci\u00f3n de financiaci\u00f3n a corto plazo, que comprende tanto financiaci\u00f3n mayorista como la proporci\u00f3n menos estable de los
recursos de clientes. En relaci\u00f3n a la financiaci\u00f3n a largo plazo, el perfil de vencimientos no presenta concentraciones significativas lo
que permite adecuar el calendario del plan de emisiones previsto a las mejores condiciones financieras de los mercados. Por \u00faltimo,
el riesgo de concentraci\u00f3n es monitorizado a nivel UGL, con el objetivo de asegurar una correcta diversificaci\u00f3n tanto por
contrapartida, como por tipolog\u00eda de instrumento.
Uno de los ejes fundamentales dentro del marco general de gesti\u00f3n de riesgo de liquidez y financiaci\u00f3n consiste en mantener un
buffer de liquidez constituido por activos l\u00edquidos de alta calidad libres de cargas, que se puedan vender u ofrecer como garant\u00eda para
obtener financiaci\u00f3n, tanto en condiciones normales de mercado, como en situaciones de estr\u00e9s.
Finanzas es la unidad encargada de la gesti\u00f3n del colateral y determinaci\u00f3n del buffer de liquidez dentro del Grupo BBVA. De acuerdo
con el principio de autosuficiencia financiera de las filiales del Grupo, cada UGL es responsable de mantener un colch\u00f3n de activos
l\u00edquidos que cumpla con los requerimientos regulatorios que sean de aplicaci\u00f3n en cada legislaci\u00f3n. Adem\u00e1s, el buffer de liquidez de
cada UGL debe estar en consonancia con la tolerancia al riesgo de liquidez y financiaci\u00f3n, y con los l\u00edmites de gesti\u00f3n fijados y
aprobados en cada caso que se derivan del mismo.
En este sentido se promueve la resistencia a corto plazo del perfil de riesgo de liquidez, garantizando que cada UGL disponga de
colateral suficiente para hacer frente al riesgo de cierre de los mercados mayoristas. La capacidad b\u00e1sica es la m\u00e9trica interna de
gesti\u00f3n y control del riesgo de liquidez a corto plazo, que se define como la relaci\u00f3n entre los activos expl\u00edcitos disponibles y los
vencimientos de pasivos mayoristas y recursos vol\u00e1tiles, a diferentes plazos temporales hasta el a\u00f1o, con especial relevancia a los de
30 y 90 d\u00edas, con el objetivo de preservar el periodo de supervivencia por encima de 3 meses con el buffer disponible, sin considerar
los inflows del balance.
Como elemento fundamental del esquema de seguimiento del riesgo de liquidez y financiaci\u00f3n se realizan los an\u00e1lisis de estr\u00e9s. Estos
an\u00e1lisis permiten anticipar desviaciones respecto a los objetivos de liquidez y l\u00edmites establecidos en el apetito, y establecer rangos
de tolerancia en diferentes ejes de gesti\u00f3n. Asimismo, desempe\u00f1an un papel primordial en el dise\u00f1o del Plan de Contingencia de
Liquidez y en la definici\u00f3n de medidas de actuaci\u00f3n concretas para reconducir el perfil de riesgo.
Para cada uno de los escenarios se contrasta si BBVA dispone de stock suficiente de activos l\u00edquidos que garantice la capacidad de
hacer frente a los compromisos/salidas de liquidez en los distintos per\u00edodos analizados. En el desarrollo del an\u00e1lisis se consideran
cuatro escenarios: uno central y tres de crisis (crisis sist\u00e9mica; crisis interna sobrevenida, con sensible disminuci\u00f3n del rating y/o que
afecte a la capacidad de emitir en mercados mayoristas y a la percepci\u00f3n del riesgo de negocio por parte de los intermediarios
bancarios y los clientes del BBVA; y escenario mixto, como una combinaci\u00f3n de los dos anteriores). Cada escenario considera los
siguientes factores: la liquidez existente en el mercado, el comportamiento de los clientes y las fuentes de financiaci\u00f3n, el impacto de
las bajadas de rating, los valores de mercado de activos l\u00edquidos y colaterales y la interacci\u00f3n entre los requerimientos de liquidez y la
evoluci\u00f3n de la calidad crediticia de BBVA.
De los ejercicios de estr\u00e9s llevados a cabo peri\u00f3dicamente por GRM se desprende que BBVA mantiene un colch\u00f3n de activos l\u00edquidos
suficiente para hacer frente a las salidas de liquidez estimadas en un escenario resultante de la combinaci\u00f3n de una crisis sist\u00e9mica y
una crisis interna, durante un periodo en general por encima de 3 meses para las distintas UGL (incluida Turqu\u00eda que ha cerrado el
a\u00f1o por encima de 6 meses), incluyendo en el escenario una sensible disminuci\u00f3n del rating del BBVA de hasta tres escalones
(\u201cnotches\u201d).
Junto con los resultados de los ejercicios de estr\u00e9s y las m\u00e9tricas de riesgo, los indicadores adelantados (Early Warning Indicators)
desempe\u00f1an un papel importante dentro del modelo corporativo y tambi\u00e9n del Plan de Contingencia de Liquidez. Se trata
principalmente de indicadores de estructura de financiaci\u00f3n, en relaci\u00f3n al asset encumbrance, concentraci\u00f3n de contrapartidas,
salidas de dep\u00f3sitos de clientes, uso inesperado de l\u00edneas de cr\u00e9dito, y de mercado, que ayudan a anticipar los posibles riesgos y a
captar las expectativas del mercado.
Finanzas es la unidad encargada de la elaboraci\u00f3n, seguimiento, ejecuci\u00f3n y actualizaci\u00f3n del plan de liquidez y financiaci\u00f3n y de la
estrategia de acceso a mercado en \u00e9l contenida, con el objetivo de garantizar y favorecer la estabilidad y diversificaci\u00f3n de las fuentes
de financiaci\u00f3n mayorista.
Con objeto de implementar y establecer una gesti\u00f3n con car\u00e1cter anticipatorio, anualmente se establecen l\u00edmites sobre las m\u00e9tricas
de gesti\u00f3n principales que forman parte del proceso presupuestario del plan de liquidez y financiaci\u00f3n. En este sentido, este marco de
l\u00edmites contribuye a la planificaci\u00f3n del comportamiento evolutivo conjunto de:
\u2013La inversi\u00f3n crediticia, considerando la tipolog\u00eda de activos y su grado de liquidez, as\u00ed como su validez como garant\u00eda en
financiaciones colateralizadas.
\u2013Los recursos estables de clientes, a partir de la aplicaci\u00f3n de metodolog\u00eda para establecer qu\u00e9 segmentos y saldos de
clientes tienen la consideraci\u00f3n de recursos estables o vol\u00e1tiles sobre la base del principio de sostenibilidad y recurrencia
de estos fondos.
\u2013La proyecci\u00f3n del Gap de Cr\u00e9dito, con el objetivo de requerir un grado de autofinanciaci\u00f3n que queda definido en t\u00e9rminos
de la diferencia entre la inversi\u00f3n crediticia y los recursos estables de clientes.
\u2013Incorporando planificaci\u00f3n de carteras de t\u00edtulos en el banking book, que incluyen tanto t\u00edtulos de renta fija como renta
variable, y clasificadas como activos financieros a valor razonable con cambios en otro resultado global y a coste
amortizado; y adicionalmente sobre las carteras de negociaci\u00f3n.
\u2013La proyecci\u00f3n del Gap estructural, como resultado de evaluar las necesidades de financiaci\u00f3n tanto generadas a partir del
Gap de Cr\u00e9dito como por la cartera de t\u00edtulos en el banking book, junto con el resto de necesidades de financiaci\u00f3n
mayorista en balance, excluyendo las carteras de negociaci\u00f3n. Por tanto, este Gap ha de ser financiado con recursos de
clientes que no sean considerados estables o en los mercados mayoristas.
Como consecuencia de estas necesidades de financiaci\u00f3n, el Grupo BBVA planifica en cada UGL la estructura de financiaci\u00f3n
mayorista objetivo acorde a la tolerancia fijada.
Por lo tanto, una vez identificado el Gap estructural y, por ende, la apelaci\u00f3n necesaria a los mercados mayoristas, se establece el
importe y la composici\u00f3n de la financiaci\u00f3n estructural mayorista en los ejercicios siguientes, con la finalidad de mantener un mix de
financiaci\u00f3n diversificado garantizando que no exista una elevada dependencia de la financiaci\u00f3n a corto plazo (financiaci\u00f3n
mayorista de corto plazo m\u00e1s los recursos vol\u00e1tiles de clientes).
En la pr\u00e1ctica, la ejecuci\u00f3n de los principios de planificaci\u00f3n y de autofinanciaci\u00f3n en las distintas UGL fomenta que la principal fuente
de financiaci\u00f3n del Grupo sean los dep\u00f3sitos de la clientela, que consisten principalmente en cuentas a la vista, cuentas de ahorro y
dep\u00f3sitos a plazo.
Como fuentes de financiaci\u00f3n, complementan a los dep\u00f3sitos de la clientela, el acceso al mercado interbancario y a los mercados de
capitales dom\u00e9stico e internacional para adecuar los requerimientos de liquidez adicionales, implementando programas nacionales e
internacionales para la emisi\u00f3n de papel comercial y de deuda a medio y largo plazo.
Todo este proceso de an\u00e1lisis y evaluaci\u00f3n de la situaci\u00f3n de liquidez y financiaci\u00f3n y de los riesgos inherentes, se realiza de forma
continua en el Grupo BBVA y participan todas las \u00e1reas del Grupo involucradas en la gesti\u00f3n del riesgo de liquidez y financiaci\u00f3n.
Dicho proceso, que se desarrolla tanto en el \u00e1mbito local como en el \u00e1mbito corporativo, est\u00e1 incorporado en el desarrollo de toma de
decisiones de la gesti\u00f3n de la liquidez y financiaci\u00f3n y existe una integraci\u00f3n entre la estrategia y la fijaci\u00f3n de Apetito de Riesgo con el
proceso de planificaci\u00f3n, el plan de financiaci\u00f3n y el esquema de l\u00edmites.
7.5.3Evoluci\u00f3n de la liquidez y financiaci\u00f3n
El Grupo BBVA mantiene una estructura de financiaci\u00f3n robusta y diversificada con car\u00e1cter claramente minorista, donde los
recursos de clientes representan la principal fuente de financiaci\u00f3n.
Durante el ejercicio 2022, en un entorno de mayor incertidumbre, las condiciones de liquidez se han mantenido holgadas en todos los
pa\u00edses donde opera el Grupo BBVA. Cabe se\u00f1alar que la guerra en Ucrania no ha tenido un impacto significativo en la situaci\u00f3n de
liquidez y financiaci\u00f3n de las unidades del Grupo BBVA.
El comportamiento de los indicadores de liquidez y financiaci\u00f3n refleja que se ha mantenido la robustez en la estructura de
financiaci\u00f3n durante los ejercicios 2022, 2021 y 2020, en el sentido de que todas las UGL mantienen niveles de autofinanciaci\u00f3n con
recursos estables de clientes por encima de lo exigido.
LtSCD por UGL
2022
2021
2020
Grupo (media ponderada)
96 %
95 %
95 %
BBVA, S.A.
98 %
98 %
97 %
BBVA M\u00e9xico
98 %
93 %
98 %
Garanti BBVA
83 %
81 %
95 %
Resto UGL
96 %
93 %
86 %
Respecto al LCR, el Grupo BBVA ha mantenido a lo largo de 2022 un buffer de liquidez tanto a nivel consolidado como individual que
le ha permitido mantener dicha ratio holgadamente por encima de 100%, situ\u00e1ndose la ratio consolidada a diciembre de 2022 en un
159%.
Aunque este requerimiento solo se establece para nivel Grupo y bancos de la eurozona, en todas las filiales se supera ampliamente el
m\u00ednimo exigido.
Destacar que en la construcci\u00f3n del LCR Consolidado no se asume transferibilidad de liquidez entre las filiales, por lo tanto, ning\u00fan
exceso de liquidez se traslada desde dichas entidades en el extranjero a la ratio consolidada.
De considerarse el impacto de estos activos altamente l\u00edquidos excluidos, el LCR se situar\u00eda en 201%, es decir 42 puntos porcentuales
por encima del LCR del Grupo.
LCR principales UGL
0
2022
2021
2020
Grupo
159 %
165 %
149 %
BBVA, S.A.
186 %
190 %
173 %
BBVA M\u00e9xico
199 %
245 %
196 %
Garanti BBVA
185 %
211 %
183 %
Uno de los elementos clave en la gesti\u00f3n de la liquidez y financiaci\u00f3n en el Grupo BBVA es el objetivo del mantenimiento de unos
amplios colchones de liquidez de alta calidad en todas las \u00e1reas geogr\u00e1ficas.
Cada entidad mantiene un s\u00f3lido buffer de liquidez a nivel individual, tanto para BBVA, S.A., como para cada de una de las filiales,
incluyendo, BBVA M\u00e9xico, Garanti BBVA y las filiales latinoamericanas.
En este sentido, el Grupo ha mantenido durante los \u00faltimos 12 meses un volumen medio de activos l\u00edquidos de alta calidad (HQLA, por
sus siglas en ingl\u00e9s) de 140.252 millones de euros, de los cuales el 95% se corresponden a los activos de m\u00e1xima calidad (nivel 1 en el
LCR).
La siguiente tabla muestra la liquidez disponible por instrumentos a 31 de diciembre de 2022, 2021 y 2020 de las unidades m\u00e1s
significativas basada en la informaci\u00f3n prudencial supervisora (Reglamento de Ejecuci\u00f3n de la Comisi\u00f3n (UE) 2017/2114 de 9 de
noviembre de 2017):
Liquidez disponible por instrumentos (Millones de euros)
BBVA, S.A.
BBVA M\u00e9xico
Garanti BBVA
Otros
2022
2021
2020
2022
2021
2020
2022
2021
2020
2022
2021
2020
Caja y reservas disponibles en
bancos centrales
48.271
35.258
39.330
12.865
12.146
8.930
6.731
8.179
6.153
5.265
6.469
6.831
Activos negociables de Nivel 1
33.081
37.272
48.858
13.974
13.881
9.205
9.165
5.549
7.019
7.836
6.036
6.237
Activos negociables de Nivel 2A
3.450
5.234
5.119
47
74
106
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Activos negociables de Nivel 2B
3.471
9.492
6.080
35
28
11
\u2014
\u2014
\u2014
1
2
\u2014
Otros activos negociables
22.708
27.870
20.174
467
343
421
285
722
701
1.035
934
745
Activos no negociables elegibles
por bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Capacidad de
contrabalance acumulada
110.981
115.127
119.560
27.388
26.472
18.672
16.181
14.449
13.873
14.136
13.440
13.814
Diciembre 2022 Salidas - Vencimientos residuales contractuales (Millones de euros)
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
PASIVO
Emisiones y certificados de
dep\u00f3sito
\u2014
1.841
4.434
1.050
3.148
2.017
6.318
9.423
13.282
18.145
59.658
Dep\u00f3sitos de entidades de
cr\u00e9dito
2.176
7.885
628
806
56
694
648
211
396
399
13.899
Dep\u00f3sitos de otras
instituciones financieras
7.392
5.760
1.465
464
379
758
700
293
594
727
18.532
Financiaciones del resto de
la clientela
302.667
38.951
18.542
6.776
2.575
2.870
1.476
1.276
798
273
376.203
Financiaciones con colateral
de valores
\u2014
51.638
14.543
17.736
866
1.503
8.136
1.524
3.493
575
100.013
Derivados, neto
\u2014
(253)
24
(1.010)
(23)
175
40
(153)
(466)
(3.717)
(5.383)
Diciembre 2021 Entradas - Vencimientos residuales contractuales (Millones de euros)
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
ACTIVO
Efectivo, saldos en efectivo
en bancos centrales y otros
dep\u00f3sitos a la vista
39.761
24.598
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
64.359
Pr\u00e9stamos y anticipos a
entidades de cr\u00e9dito
\u2014
3.781
400
790
373
299
211
166
8
26
6.056
Pr\u00e9stamos a otras
instituciones financieras
2
901
801
584
727
432
694
470
261
469
5.343
Adquisiciones temporales de
valores y pr\u00e9stamos de
valores (tomador)
\u2014
33.856
11.611
2.945
1.063
1.692
2.188
2.239
1.118
739
57.451
Pr\u00e9stamos
174
18.531
23.185
22.141
11.769
13.782
39.656
30.049
44.508
94.780
298.574
Liquidaci\u00f3n de cartera de
valores
10
1.779
3.606
3.395
2.333
3.958
18.854
13.135
17.214
47.331
111.614
Diciembre 2021 Salidas - Vencimientos residuales contractuales (Millones de euros)
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
PASIVO
Emisiones y certificados de
dep\u00f3sito
\u2014
3.065
1.077
3.498
2.914
1.885
9.477
4.931
12.332
19.991
59.169
Dep\u00f3sitos de entidades de
cr\u00e9dito
1.936
4.257
415
825
183
924
496
146
146
579
9.907
Dep\u00f3sitos de otras
instituciones financieras
8.894
2.728
1.700
382
289
227
578
231
337
722
16.087
Financiaciones del resto de
la clientela
281.812
28.806
11.814
4.867
1.717
1.520
1.740
578
863
416
334.132
Financiaciones con colateral
de valores
\u2014
52.437
6.858
2.485
1.513
8.252
29.954
5.527
4.755
1.490
113.269
Derivados, neto
(33)
(395)
(176)
(326)
(66)
(641)
100
(122)
(155)
(66)
(1.880)
Diciembre 2020 Entradas - Vencimientos residuales contractuales (Millones de euros) \u207d\u00b9\u207e
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
ACTIVO
Efectivo, saldos en efectivo
en bancos centrales y otros
dep\u00f3sitos a la vista
42.518
32.741
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
75.258
Pr\u00e9stamos y anticipos a
entidades de cr\u00e9dito
\u2014
3.616
677
921
356
461
117
120
2
39
6.309
Pr\u00e9stamos a otras
instituciones financieras
\u2014
2.202
855
797
734
543
1.251
721
515
500
8.119
Adquisiciones temporales de
valores y pr\u00e9stamos de
valores (tomador)
\u2014
20.033
4.757
1.351
364
368
3.320
1.849
891
1.089
34.021
Pr\u00e9stamos
279
16.939
24.280
23.012
15.579
17.032
46.182
38.851
51.709
110.173
344.036
Liquidaci\u00f3n de cartera de
valores
\u2014
3.896
6.680
6.557
5.084
13.014
9.858
15.494
17.231
50.045
127.859
(1) Los saldos incluyen las sociedades del Grupo que estaban en Estados Unidos (ver Notas 3 y 21).
Diciembre 2020 Salidas - Vencimientos residuales contractuales (Millones de euros) \u207d\u00b9\u207e
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
PASIVO
Emisiones y certificados de
dep\u00f3sito
\u2014
4.750
2.618
3.963
1.283
1.543
10.573
7.505
12.793
23.839
68.868
Dep\u00f3sitos de entidades de
cr\u00e9dito
8.838
7.859
254
741
152
726
825
189
166
371
20.120
Dep\u00f3sitos de otras
instituciones financieras
12.735
4.324
2.694
588
353
272
957
337
459
870
23.589
Financiaciones del resto de
la clientela
308.360
39.978
13.416
6.808
4.526
4.366
3.361
1.213
869
799
383.694
Financiaciones con colateral
de valores
\u2014
41.239
5.301
1.643
1.192
368
11.304
28.510
3.740
1.516
94.812
Derivados, neto
\u2014
(722)
15
(961)
(85)
134
(400)
(157)
(264)
(159)
(2.599)
(1) Los saldos incluyen las sociedades del Grupo que estaban en Estados Unidos (ver Notas 3 y 21).
Respecto a la estructura de financiaci\u00f3n, la cartera de pr\u00e9stamos se encuentra en su mayor parte financiada por dep\u00f3sitos
minoristas. El tramo a la vista de las salidas contiene principalmente las cuentas corrientes de clientes retail cuyo comportamiento ha
mostrado hist\u00f3ricamente una elevada estabilidad y baja concentraci\u00f3n. Sobre la base de un an\u00e1lisis comportamental que se lleva a
cabo anualmente en cada una de las entidades, este tipo de cuentas se consideran estables y a los efectos de riesgo de liquidez
reciben un mejor tratamiento.
Los aspectos m\u00e1s destacados para las principales \u00e1reas geogr\u00e1ficas son los siguientes:
\u2013En BBVA, S.A. se ha mantenido una holgada posici\u00f3n de liquidez. Durante el ejercicio 2022, la actividad comercial ha generado
liquidez debido a un crecimiento de los dep\u00f3sitos de clientes por encima del de la inversi\u00f3n crediticia, especialmente en el
\u00faltimo trimestre. El Banco ha iniciado en diciembre la devoluci\u00f3n del programa TLTRO III por un importe de aproximadamente
12.000 millones de euros, correspondientes aproximadamente a una tercera parte del total dispuesto. Por otro lado, con la
finalidad de mantener suficiente colateral disponible en todo momento, se han realizado emisiones de c\u00e9dulas hipotecarias y
territoriales por importe de 2.000 millones de euros, retenidas en autocartera. Asimismo, se han realizado titulizaciones
hipotecarias retenidas en autocartera generando colateral por importe de 4.400 millones de euros.
\u2013En BBVA M\u00e9xico, la actividad comercial ha drenado liquidez durante 2022 debido a un crecimiento de la actividad crediticia
superior a la de los recursos. A pesar de esto, BBVA M\u00e9xico contin\u00faa presentando una holgada situaci\u00f3n de liquidez, lo que ha
contribuido a una gesti\u00f3n eficiente en el coste de los recursos, en un entorno de tipos crecientes.
\u2013En Turqu\u00eda, en el a\u00f1o 2022, el gap de cr\u00e9dito en moneda local se ha reducido, debido a un mayor crecimiento en dep\u00f3sitos que
en pr\u00e9stamos, y el de moneda extranjera se ha incrementado, por reducciones en los dep\u00f3sitos, derivados del mecanismo de
incentivaci\u00f3n de los dep\u00f3sitos en liras turcas, que han sido parcialmente compensadas por menores pr\u00e9stamos en moneda
extranjera. Garanti BBVA sigue manteniendo una situaci\u00f3n estable de liquidez con unos ratios holgados. Por su parte, el Banco
Central de Turqu\u00eda ha continuado implementando medidas para disminuir la dolarizaci\u00f3n de la econom\u00eda.
\u2013En Am\u00e9rica del Sur, se mantiene una adecuada situaci\u00f3n de liquidez en toda la regi\u00f3n. En Argentina, se sigue incrementando la
liquidez en el sistema y en BBVA por un mayor crecimiento de dep\u00f3sitos que de pr\u00e9stamos en moneda local. En BBVA
Colombia, se observa un mayor crecimiento de la actividad crediticia comparado con el crecimiento de los recursos, pero sin
comprometer la situaci\u00f3n de liquidez del banco debido al aumento de captaciones de dep\u00f3sitos a plazos m\u00e1s largos. BBVA Per\u00fa
mantiene unos s\u00f3lidos niveles de liquidez, gracias al s\u00f3lido crecimiento de dep\u00f3sitos en un entorno de reducci\u00f3n de inversi\u00f3n
crediticia en moneda local debido al vencimiento de pr\u00e9stamos amparados en programas COVID-19. La reciente inestabilidad
pol\u00edtica no est\u00e1 teniendo impactos materiales en t\u00e9rminos de liquidez.
A continuaci\u00f3n se detallan las principales operaciones de financiaci\u00f3n mayorista, llevadas a cabo por las entidades que forman BBVA.
\u2013En relaci\u00f3n a BBVA, S.A. durante el ejercicio 2022 ha realizado una emisi\u00f3n senior no preferente por importe de 1.000 millones
de euros, dos emisiones senior no preferente por importe acumulado de 1.750 millones de d\u00f3lares estadounidenses; seis
emisiones senior preferente por importe acumulado de 4.065 millones de euros; una emisi\u00f3n senior preferente (bono verde)
por 1.250 millones de euros y dos emisiones senior preferente (bono verde) por importe acumulado de 425 millones de francos
suizos. Adicionalmente, en mayo de 2022, se realiz\u00f3 la amortizaci\u00f3n anticipada de las participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (CoCos, por sus siglas en ingl\u00e9s) emitidas por BBVA en mayo de
2017 y en junio de 2022 se complet\u00f3 una titulizaci\u00f3n de pr\u00e9stamos para la financiaci\u00f3n de veh\u00edculos por un importe de 1.200
millones de euros.
\u2013Por su parte, BBVA M\u00e9xico realiz\u00f3 la emisi\u00f3n de un bono sostenible por 10.000 millones de pesos mexicanos (unos 480
millones de euros, aproximadamente), convirti\u00e9ndose as\u00ed en el primer banco privado en realizar una emisi\u00f3n de este tipo en
M\u00e9xico, tomando como referencia la tasa TIIE (Tasa de Inter\u00e9s Interbancaria de Equilibrio utilizada en M\u00e9xico).
\u2013Garanti BBVA renov\u00f3 el 100% de un pr\u00e9stamo sindicado indexado a criterios ambientales, sociales y de gobierno corporativo
que consta de dos tramos separados de 283,5 millones de d\u00f3lares estadounidenses y 290,5 millones de euros, ambos con
vencimiento a un a\u00f1o. Tambi\u00e9n renov\u00f3 la segunda parte de un pr\u00e9stamo sindicado (155 millones de d\u00f3lares estadounidenses y
239 millones de euros) con un ratio del 65% acorde con su estrategia y en l\u00ednea con los bancos del grupo de competidores.
Garanti BBVA tambi\u00e9n realiz\u00f3 una ronda de financiaci\u00f3n sostenible de 75 millones de d\u00f3lares estadounidenses en 2022.
\u2013BBVA Colombia cerr\u00f3 una financiaci\u00f3n con International Finance Corporation (IFC) por 60 millones de d\u00f3lares estadounidenses
a 3 a\u00f1os. Tambi\u00e9n se realiz\u00f3 una operaci\u00f3n de 200 millones de d\u00f3lares estadounidenses a 5 a\u00f1os y otra de 40 millones de
d\u00f3lares estadounidenses a un plazo de 3 a\u00f1os.
7.5.4Activos comprometidos en operaciones de financiaci\u00f3n
Los activos que a 31 de diciembre de 2022, 2021 y 2020 se encuentran comprometidos (aportados como colateral o garant\u00eda con
respecto a ciertos pasivos), y aquellos que se encuentran libres de cargas, se muestran a continuaci\u00f3n:
Activos comprometidos y libres de cargas (millones de euros)
Activos comprometidos
Activos no comprometidos
Valor en libros
Valor razonable
Valor en libros
Valor razonable
2022
2021
2020
2022
2021
2020
2022
2021
2020
2022
2021
2020
Activos
92.916
114.336
121.999
620.257
548.548
614.260
Instrumentos de patrimonio
819
307
2.134
819
307
2.134
11.293
22.280
14.556
11.293
22.280
14.556
Valores representativos de deuda
33.533
31.557
29.379
32.291
29.527
26.112
93.238
89.307
100.108
93.238
89.307
100.108
Pr\u00e9stamos y anticipos y otros
activos
58.563
82.472
90.486
515.726
436.962
499.595
El valor comprometido de \u201cPr\u00e9stamos y otros activos\u201d corresponde principalmente a pr\u00e9stamos vinculados a la emisi\u00f3n de c\u00e9dulas
hipotecarias, c\u00e9dulas territoriales o bonos titulizados a largo plazo (ver Nota 22.4) as\u00ed como a los que sirven de garant\u00eda para acceder
a determinadas operaciones de financiaci\u00f3n con bancos centrales. En cuanto a los valores representativos de deuda e instrumentos
de capital, responden a los subyacentes que son entregados en operaciones de cesi\u00f3n temporal de activos con diferentes tipos de
contrapartidas, principalmente c\u00e1maras de compensaci\u00f3n o entidades de cr\u00e9dito y, en menor medida, bancos centrales. Tambi\u00e9n se
incluyen como activos comprometidos todo tipo de colateral entregado para garantizar la operativa de derivados.
A 31 de diciembre de 2022, 2021 y 2020, las garant\u00edas recibidas principalmente por la operativa de adquisici\u00f3n temporal de activos o
pr\u00e9stamos de valores, y aquellas que podr\u00edan comprometerse en su mayor\u00eda, con el prop\u00f3sito de obtener financiaci\u00f3n se muestran a
continuaci\u00f3n:
Garant\u00edas recibidas (Millones de euros)
Valor razonable de garant\u00edas
recibidas comprometidas o
autocartera emitida
Valor razonable de garant\u00edas
recibidas o autocartera emitida
disponible para comprometer
Valor razonable de garant\u00edas
recibidas o autocartera emitida
no disponible para
comprometer
2022
2021
2020
2022
2021
2020
2022
2021
2020
Garant\u00edas recibidas
40.701
40.905
30.723
9.415
17.029
8.652
1.279
1.719
1.071
Instrumentos de patrimonio
323
289
239
759
265
204
\u2014
\u2014
\u2014
Valores representativos de deuda
40.378
40.616
30.484
8.656
16.764
8.448
1.279
1.719
1.071
Pr\u00e9stamos y otros activos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Autocartera emitida, excepto
c\u00e9dulas hipotecarias territoriales o
bonos titulizados
\u2014
\u2014
3
92
50
94
\u2014
\u2014
\u2014
Las garant\u00edas recibidas en forma de adquisici\u00f3n temporal de activos o pr\u00e9stamo de valores se comprometen mediante su utilizaci\u00f3n
en operaciones de cesi\u00f3n temporal de activos, al igual que se hace con los valores representativos de deuda.
A 31 de diciembre de 2022, 2021 y 2020, el conjunto de los pasivos financieros emitidos asociados a los diferentes activos
comprometidos en operaciones financieras, as\u00ed como la valoraci\u00f3n contable de estos \u00faltimos, se muestran a continuaci\u00f3n:
Activos comprometidos / garant\u00edas recibidas y pasivos asociados (Millones de euros)
Pasivos cubiertos, pasivos contingentes o t\u00edtulos
cedidos
Activos, garant\u00edas recibidas y autocartera
emitida, excepto c\u00e9dulas hipotecarias y bonos
titulizados comprometidos
2022
2021
2020
2022
2021
2020
Valor en libros de dichos pasivos
fuentes de pignoraci\u00f3n
122.400
137.242
131.352
128.628
151.275
147.523
Derivados
15.950
15.368
16.611
16.699
15.191
16.348
Dep\u00f3sitos
95.728
109.311
98.668
99.077
120.957
111.726
Emisiones
10.722
12.563
16.073
12.852
15.127
19.449
Otras fuentes de pignoraci\u00f3n
731
620
653
4.989
3.966
5.202
", "dimensions": { "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8xNzgvZnJhZzo3MDcwYTVkOGNlZDM0NDY3OTE4ZDAxNmZmYWM3NmMwNy90ZXh0cmVnaW9uOjcwNzBhNWQ4Y2VkMzQ0Njc5MThkMDE2ZmZhYzc2YzA3XzQyMzMxMTk3NjczMTc1_88a33263-1d3e-4a55-a859-7a31efff4f80": { "value": "Riesgo de cr\u00e9dito
El riesgo de cr\u00e9dito es la posible p\u00e9rdida que asume el Grupo como consecuencia del incumplimiento de las obligaciones
contractuales que incumben a las contrapartes con las que se relaciona.
Los principios generales que rigen la gesti\u00f3n del riesgo de cr\u00e9dito en el Grupo BBVA son:
\u2013Los riesgos asumidos deben ajustarse a la estrategia general de riesgos fijada por el Consejo de Administraci\u00f3n de BBVA.
\u2013Los riesgos asumidos deben guardar proporcionalidad con el nivel de recursos y de generaci\u00f3n de resultados recurrentes
del Grupo BBVA, priorizando la diversificaci\u00f3n de los riesgos y evitando concentraciones relevantes.
\u2013Los riesgos asumidos tienen que estar identificados, medidos y valorados, debiendo existir procedimientos para su
seguimiento y gesti\u00f3n, adem\u00e1s de s\u00f3lidos mecanismos de control y mitigaci\u00f3n.
\u2013Todos los riesgos deben de ser gestionados de forma prudente e integrada durante su ciclo de vida, d\u00e1ndoles un
tratamiento diferenciado en funci\u00f3n de su tipolog\u00eda, y realiz\u00e1ndose una gesti\u00f3n activa de carteras basada en una medida
com\u00fan (capital econ\u00f3mico).
\u2013La capacidad de pago del prestatario u obligado al pago para cumplir, en tiempo y forma, con el total de las obligaciones
financieras asumidas a partir de los ingresos procedentes de su negocio o fuente de renta, habitual, sin depender de
avalistas, fiadores o activos entregados como garant\u00eda, es el principal criterio para la concesi\u00f3n de riesgos de cr\u00e9dito.
\u2013Mejorar la salud financiera de nuestros clientes, ayudarles en su toma de decisiones y en la gesti\u00f3n diaria de sus finanzas a
partir de un asesoramiento personalizado.
\u2013Ayudar a nuestros clientes en la transici\u00f3n hacia un futuro sostenible, con foco en el cambio clim\u00e1tico y en el desarrollo
social inclusivo y sostenible.
La gesti\u00f3n del riesgo de cr\u00e9dito en el Grupo cuenta con una estructura integral de todas sus funciones que permita la toma de
decisiones con objetividad y de forma independiente durante todo el ciclo de vida del riesgo.
\u2013A nivel Grupo: se definen marcos de actuaci\u00f3n y normas de conducta homog\u00e9neas en el tratamiento del riesgo, en concreto
los circuitos, procedimientos, estructura y supervisi\u00f3n.
\u2013A nivel \u00e1rea de negocio: son las encargadas de adaptar los criterios del Grupo a las realidades locales de cada \u00e1rea
geogr\u00e1fica, siendo responsables de la gesti\u00f3n directa del riesgo en funci\u00f3n del circuito de decisi\u00f3n:
a.Riesgos minoristas: con car\u00e1cter general, las decisiones se formalizan en funci\u00f3n del dictamen de las
herramientas de scoring, dentro del marco de actuaci\u00f3n general en materia de riesgos de cada \u00e1rea de negocio.
Los cambios de peso y variables de dichas herramientas deber\u00e1n ser validadas por el \u00e1rea corporativa de Global
Risk Management (en adelante, \"GRM\" por su siglas en ingl\u00e9s).
b.Riesgos mayoristas: con car\u00e1cter general, las decisiones se formalizan por cada \u00e1rea de negocio dentro de su
marco general de actuaci\u00f3n en materia de riesgos, que incorpora la norma de delegaci\u00f3n y las pol\u00edticas generales
del Grupo.
La funci\u00f3n de riesgos cuenta con un proceso de toma de decisiones apoyado en una estructura de comit\u00e9s, que cuenta con un
robusto esquema de gobierno que describe los objetivos y funcionamiento de los mismos para el adecuado desarrollo de sus
funciones.
Medidas de apoyo
Desde el comienzo de la pandemia, el Grupo ofreci\u00f3 medidas de apoyo COVID-19 a sus clientes en todas las \u00e1reas geogr\u00e1ficas en las
que est\u00e1 presente, que consistieron tanto en moratorias de pr\u00e9stamos vigentes, como en nueva financiaci\u00f3n con garant\u00eda p\u00fablica.
Los planes de ayuda mediante aplazamientos temporales de pago han concluido en todas las \u00e1reas geogr\u00e1ficas. Las medidas
vigentes en 2022 relacionadas con nueva financiaci\u00f3n con garant\u00eda p\u00fablica en Espa\u00f1a y Per\u00fa son:
Espa\u00f1a:
\u2013El Instituto de Cr\u00e9dito Oficial (en adelante, \"ICO\") public\u00f3 varios programas de ayudas dirigidos al colectivo de aut\u00f3nomos,
peque\u00f1as y medianas empresas (en adelante, \"pymes\") y empresas, mediante los cuales se otorg\u00f3 una garant\u00eda de entre el
60% y 80% (por un plazo de hasta 5 a\u00f1os a la nueva financiaci\u00f3n concedida (RDL Mar/2020), RDL Nov/2020, RDL 5/2021
y C\u00f3digo de Buenas Pr\u00e1cticas).
\u2013En marzo de 2022, el Consejo de Ministros modific\u00f3 el C\u00f3digo de Buenas Pr\u00e1cticas para flexibilizar las condiciones de
acceso a las ayudas, dadas las dificultades de clientes que se enfrentaban a aumentos acusados de costes por su especial
exposici\u00f3n a las tensiones en los precios de la energ\u00eda y otras materias primas.
\u2013Como medida adicional del C\u00f3digo de Buenas Pr\u00e1cticas, el Consejo de Ministros aprob\u00f3 un acuerdo por el que se permite
llevar a cabo extensiones de plazo de la financiaci\u00f3n ICO concedidas a aut\u00f3nomos y empresas, despu\u00e9s del 30 de junio de
2022, tras haber expirado el plazo del Marco Temporal de ayudas de estado aprobado por la Comisi\u00f3n Europea
Adicionalmente, con fecha 23 de noviembre de 2022, se ha publicado el Real Decreto-ley 19/2022, de 22 de noviembre, por el que, se
modifica el C\u00f3digo de Buenas Pr\u00e1cticas, se establece un nuevo c\u00f3digo de buenas pr\u00e1cticas para aliviar la subida de los tipos de
inter\u00e9s en pr\u00e9stamos hipotecarios sobre vivienda habitual, y se adoptan otras medidas estructurales para la mejora del mercado de
pr\u00e9stamos. BBVA se ha adherido al nuevo C\u00f3digo de Buenas Pr\u00e1cticas con efectos desde el 1 de enero de 2023.
Per\u00fa:
\u2013Existieron programas de apoyo p\u00fablico como son Reactiva, Crecer o FAE dirigidos a empresas y microempresas con
importes con garant\u00eda p\u00fablica en un rango de entre el 60% y el 98% en funci\u00f3n del programa y del tipo de empresa.
\u2013Mediante Decreto publicado en mayo de 2022 se dio la posibilidad de extender tanto el plazo de vencimiento, como el
periodo de carencia, para los pr\u00e9stamos otorgados bajo el programa Reactiva, pudiendo acogerse a esta medida hasta el
30 de junio de 2023 tras la extensi\u00f3n del periodo inicial que finalizaba el 31 de diciembre de 2022.
Tambi\u00e9n se concedi\u00f3 nueva financiaci\u00f3n con garant\u00eda p\u00fablica en Turqu\u00eda, Colombia y Argentina.
El saldo de los pr\u00e9stamos existentes para los que se ha concedido una moratoria (separado entre las vigentes al cierre del ejercicio y
las finalizadas al cierre del ejercicio) seg\u00fan los criterios de la EBA y para los que se ha concedido financiaci\u00f3n con garant\u00eda p\u00fablica
otorgadas a nivel de Grupo, as\u00ed como el n\u00famero de clientes para ambos t\u00e9rminos a 31 de diciembre de 2022 y 2021 son los siguientes:
Importes de moratorias y financiaci\u00f3n con garant\u00eda p\u00fablica del Grupo (Millones de euros)
Moratorias
Financiaci\u00f3n con
garant\u00eda p\u00fablica
Vigentes
Finalizadas
Total
N\u00ba
clientes
Total
N\u00ba
clientes
Total
moratorias
y garant\u00edas
(%)
Inversi\u00f3n
crediticia
Diciembre 2022
\u2014
18.103
18.103
1.791.756
13.955
248.009
32.059
8,2 %
Diciembre 2021
189
21.743
21.931
2.188.720
16.093
264.809
38.025
10,9 %
El saldo de los pr\u00e9stamos existentes para los que se ha concedido una moratoria (separado entre las vigentes al cierre del ejercicio y
las finalizadas al cierre del ejercicio) seg\u00fan los criterios de la EBA y para los que se ha concedido financiaci\u00f3n con garant\u00eda p\u00fablica
otorgadas a nivel de Grupo por segmento a 31 de diciembre de 2022 y 2021 son los siguientes:
Importes de moratorias y financiaci\u00f3n con garant\u00eda p\u00fablica por concepto (Millones de euros)
Moratorias
Financiaci\u00f3n con
garant\u00eda p\u00fablica
Vigentes
Finalizadas
Total
2022
2021
2022
2021
2022
2021
2022
2021
Grupo
\u2014
189
18.103
21.743
18.103
21.931
13.955
16.093
Hogares
\u2014
107
12.974
14.904
12.974
15.011
1.302
1.376
Del que: Hipotecas
\u2014
97
9.542
10.195
9.542
10.291
5
6
PyMEs
\u2014
44
2.725
3.950
2.725
3.994
9.672
10.911
Entidades no financieras
\u2014
37
2.315
2.766
2.315
2.803
2.964
3.788
Resto
\u2014
\u2014
90
122
90
122
18
18
En Espa\u00f1a, en el caso de las operaciones morosas con aval ICO, el Ministerio de Asuntos Econ\u00f3micos y Transformaci\u00f3n Digital
deviene en obligado principal de las obligaciones avaladas desde la comunicaci\u00f3n al ICO de la ejecuci\u00f3n del aval. Esto ocurre tambi\u00e9n
en caso de vencimiento anticipado de la deuda, sin perjuicio de que los pagos se realicen seg\u00fan el calendario inicialmente pactado
entre el cliente y la entidad. A partir de ese momento se dar\u00e1 de baja la deuda original con el cliente reconociendo simult\u00e1neamente
un derecho de cr\u00e9dito frente al Ministerio.
7.2.1C\u00e1lculo de p\u00e9rdidas esperadas
La NIIF 9 requiere cuantificar la p\u00e9rdida esperada (\u201cExpected Credit Loss\u201d o \u201cECL\u201d) de un instrumento financiero de tal manera que
refleje una estimaci\u00f3n imparcial eliminando cualquier grado de conservadurismo u optimismo, e incluyendo el valor temporal del
dinero y la informaci\u00f3n forward-looking (incluyendo una previsi\u00f3n sobre la econom\u00eda), todo ello en base a la informaci\u00f3n que est\u00e9
disponible en un determinado momento y que sea razonable y soportable respecto a las condiciones econ\u00f3micas futuras.
Por lo tanto, el reconocimiento y la valoraci\u00f3n de las p\u00e9rdidas esperadas son altamente complejos e implican la utilizaci\u00f3n de an\u00e1lisis
y estimaciones significativas que incluyen tanto la formulaci\u00f3n como la consideraci\u00f3n de dichas condiciones econ\u00f3micas futuras en el
modelo de p\u00e9rdidas esperadas.
La modelizaci\u00f3n del c\u00e1lculo de las p\u00e9rdidas esperadas est\u00e1 sometida a un sistema de gobierno que es com\u00fan para todo el Grupo.
Dentro de ese marco com\u00fan, cada \u00e1rea geogr\u00e1fica realiza las adaptaciones necesarias para capturar sus particularidades.
Anualmente se revisa la metodolog\u00eda, supuestos y observaciones utilizados por cada \u00e1rea geogr\u00e1fica, y tras un proceso de validaci\u00f3n
y aprobaci\u00f3n, el resultado de esta revisi\u00f3n se incorpora a los c\u00e1lculos de las p\u00e9rdidas esperadas.
Par\u00e1metros de riesgo por grupos homog\u00e9neos
Las p\u00e9rdidas esperadas se pueden estimar tanto de forma individual como de manera colectiva. Respecto a la estimaci\u00f3n colectiva,
los instrumentos se distribuyen en grupos homog\u00e9neos (segmentos) que comparten caracter\u00edsticas de riesgo similares. Siguiendo
las directrices establecidas por el Grupo para el desarrollo de modelos bajo NIIF 9, cada \u00e1rea geogr\u00e1fica realiza la agrupaci\u00f3n en
funci\u00f3n de la informaci\u00f3n disponible, su representatividad o relevancia y el cumplimiento de los requisitos estad\u00edsticos necesarios.
Dependiendo del segmento o del par\u00e1metro a estimar, los ejes de riesgo a aplicar pueden ser diferentes, y los segmentos reflejan las
diferencias en las PD y LGD. Por lo tanto, dentro de cada segmento, la variaci\u00f3n en el nivel de riesgo de cr\u00e9dito responde al impacto
de las condiciones cambiantes en los factores comunes de las caracter\u00edsticas de riesgo de cr\u00e9dito. Tambi\u00e9n se tiene en cuenta el
efecto sobre el riesgo de cr\u00e9dito de los cambios en la informaci\u00f3n prospectiva, por lo que la modelizaci\u00f3n macroecon\u00f3mica para cada
segmento se lleva a cabo utilizando algunas de las caracter\u00edsticas de riesgo compartidas.
Los segmentos comparten caracter\u00edsticas de riesgo de cr\u00e9dito de manera que los cambios en el riesgo de cr\u00e9dito de una parte de la
cartera no queden ocultos por el desempe\u00f1o de otras partes de la cartera. En este sentido la metodolog\u00eda desarrollada para el c\u00e1lculo
de p\u00e9rdidas crediticias se\u00f1ala los ejes de riesgo que han de tenerse en cuenta para la segmentaci\u00f3n de la Probabilidad de
Incumplimiento (PD), distinguiendo entre carteras mayoristas y minoristas.
Como ejemplo de las variables que se pueden tener en consideraci\u00f3n para determinar los modelos finales, se destacan las siguientes:
\u2013PD \u2013 Minorista: Vencimiento residual contractual, Puntuaci\u00f3n (score) del riesgo de cr\u00e9dito, Tipo de producto, D\u00edas en
incumplimiento, Refinanciado (contrato), Tiempo contractual transcurrido, Plazo hasta vencimiento, Nacionalidad del
deudor, Canal de venta, Plazo original, Indicador de actividad de la tarjeta de cr\u00e9dito, porcentaje de uso inicial en tarjetas de
cr\u00e9dito (PUI).
\u2013PD \u2013 Mayorista: Rating (calificaci\u00f3n) del riesgo de cr\u00e9dito, Tipo de producto, Nivel de watch list, refinanciado (cliente), Plazo
hasta vencimiento, Sector industrial, Balance actualizado (S/N), Cancelaci\u00f3n, Periodo de gracia.
\u2013LGD \u2013 Minorista: Puntuaci\u00f3n (score) del riesgo de cr\u00e9dito, Segmento, Tipo de producto, Garantizado/ No garantizado, Tipo
de garant\u00eda, Canal de venta, Nacionalidad, \u00c1rea de Negocio, Segmento comercial del deudor, Refinanciado (contrato), EAD
(esta caracter\u00edstica de riesgo podr\u00eda estar correlacionada con el tiempo contractual transcurrido o el ratio pr\u00e9stamo/valor
por lo que, antes de incluirse, debe llevarse a cabo una evaluaci\u00f3n para evitar una doble contabilidad), El tiempo que el
contrato lleva incumplido (en el caso de exposiciones incumplidas), Ubicaci\u00f3n geogr\u00e1fica.
\u2013LGD \u2013 Mayorista: Rating (calificaci\u00f3n) del riesgo de cr\u00e9dito, Ubicaci\u00f3n geogr\u00e1fica, Segmento, Tipo de producto,
Garantizado/ No garantizado, Tipo de garant\u00eda, \u00c1rea de Negocio, Refinanciado (cliente), Segmento comercial del deudor, El
tiempo que la operaci\u00f3n lleva incumplida (en el caso de exposiciones incumplidas).
\u2013CCF \u2013 Mayorista/minorista, Producto, PUI, Segmento comercial del deudor, D\u00edas de retraso, Refinanciaciones, L\u00edmite de
cr\u00e9dito, Actividad, Tiempo contractual transcurrido.
En el Grupo BBVA las p\u00e9rdidas esperadas calculadas se basan en los modelos internos desarrollados para todas las carteras del
Grupo, a no ser que los clientes est\u00e9n sujetos a la estimaci\u00f3n individualizada.
La cartera Low Default Portfolio (que incluye carteras con alta calidad crediticia como exposiciones con instituciones financieras,
deuda soberana o corporativas; as\u00ed como carteras de pocos clientes con exposiciones muy elevadas por ejemplo specialized lending o
renta fija) se caracterizan por presentar un n\u00famero reducido de incumplimientos por lo que las bases hist\u00f3ricas del Grupo no
contienen informaci\u00f3n suficientemente representativa para construir modelos de deterioro en base a las mismas. Sin embargo,
existen fuentes de informaci\u00f3n externas que, en funci\u00f3n de observaciones m\u00e1s amplias, son capaces de proporcionar los inputs
necesarios para desarrollar modelos de p\u00e9rdidas esperadas. Por ello, en base al rating asignado a estas exposiciones y teniendo en
cuenta los inputs obtenidos de dichas fuentes, se desarrollan internamente los c\u00e1lculos de las p\u00e9rdidas esperadas, incluida su
proyecci\u00f3n en funci\u00f3n de las perspectivas macroecon\u00f3micas.
Estimaci\u00f3n individualizada de las p\u00e9rdidas esperadas
El Grupo revisa peri\u00f3dicamente y de forma individualizada la situaci\u00f3n y calificaci\u00f3n crediticia de sus clientes, con independencia de
su clasificaci\u00f3n, contando para ello con la informaci\u00f3n que se considera necesaria. Asimismo, tiene establecidos procedimientos
dentro del marco de gesti\u00f3n de riesgos para identificar los factores que pueden conducir a un aumento de riesgo y, en consecuencia,
a una mayor necesidad de provisiones.
El modelo de seguimiento establecido por el Grupo consiste en monitorear de forma continua los riesgos a los que est\u00e1 expuesto, lo
que garantiza la adecuada clasificaci\u00f3n de los mismos en las diferentes categor\u00edas de NIIF 9. El an\u00e1lisis original de las exposiciones se
revisa a trav\u00e9s de los procedimientos de actualizaci\u00f3n de las herramientas de calificaci\u00f3n (rating y scoring), que peri\u00f3dicamente
revisan la situaci\u00f3n financiera de los clientes, influyendo en la clasificaci\u00f3n por stages de las exposiciones.
Dentro de ese marco de gesti\u00f3n del riesgo de cr\u00e9dito, el Grupo cuenta con procedimientos que garantizan la revisi\u00f3n, al menos anual,
de todas sus contrapartidas mayoristas a trav\u00e9s de los denominados programas financieros, que recogen el posicionamiento actual y
propuesto del Grupo con el cliente en materia de riesgo de cr\u00e9dito. Esta revisi\u00f3n se basa en un an\u00e1lisis detallado de la situaci\u00f3n
financiera actualizada del cliente, que se complementa con otra informaci\u00f3n disponible en relaci\u00f3n a las perspectivas individuales
sobre la evoluci\u00f3n del negocio, tendencias del sector, perspectivas macroecon\u00f3micas u otro tipo de datos p\u00fablicos. Como
consecuencia de este an\u00e1lisis se obtiene el rating preliminar del cliente que, tras someterse al procedimiento interno, puede ser
revisado a la baja si se estima conveniente (por ejemplo, entorno econ\u00f3mico general o evoluci\u00f3n del sector). Estos factores
adicionales a la informaci\u00f3n que pueda proporcionar el cliente se utilizan para revisar las calificaciones incluso antes de que se
realicen las revisiones del plan financiero programadas si las circunstancias as\u00ed lo aconsejan.
Adicionalmente, el Grupo tiene establecidos procedimientos para identificar a los clientes mayoristas en la categor\u00eda interna de watch
list, que se define como aquel riesgo en el que, derivado de un an\u00e1lisis crediticio individualizado, se aprecia un aumento del riesgo de
cr\u00e9dito, ya sea por dificultades econ\u00f3micas o financieras o porque haya sufrido, o se estime que vaya a sufrir, situaciones adversas en
su entorno, sin cumplir los criterios para su clasificaci\u00f3n como riesgo deteriorado. Seg\u00fan este procedimiento, todas las exposiciones
de un cliente en watch list se consideran en stage 2 independientemente de cuando se han originado, si como resultado del an\u00e1lisis se
considera que el cliente ha aumentado significativamente su riesgo.
Por \u00faltimo, el Grupo cuenta con los denominados Comit\u00e9s de Workout, tanto locales como corporativos, los cuales analizan no solo la
situaci\u00f3n y evoluci\u00f3n de los clientes significativos en situaci\u00f3n de watch list o deteriorados, sino tambi\u00e9n aquellos clientes
significativos en los que, sin haber sido calificados todav\u00eda en watch list, pueden presentar alguna exposici\u00f3n clasificada en stage 2
por un motivo cuantitativo (comparaci\u00f3n de PD desde la originaci\u00f3n). Este an\u00e1lisis se realiza con el fin de decidir si, derivado de esa
situaci\u00f3n, se deben considerar todas las exposiciones del cliente en la categor\u00eda de watch list, lo cual implicar\u00eda la migraci\u00f3n de la
totalidad de las operaciones del cliente a stage 2 con independencia de la fecha en la que se han originado las mismas.
Con ello, el Grupo se asegura de la revisi\u00f3n individualizada de la calidad crediticia de sus contrapartidas mayoristas, identificando las
situaciones en las que se puede haber producido un cambio en el perfil de riesgo de estos clientes y procediendo, en su caso, a la
estimaci\u00f3n individualizada de las p\u00e9rdidas crediticias. Junto a esa revisi\u00f3n, el Grupo estima individualmente las p\u00e9rdidas esperadas
de aquellos clientes cuya exposici\u00f3n total supere determinados umbrales, incluyendo aquellos que parte de sus operaciones puedan
estar clasificadas en stage 1 y parte en stage 2. En la fijaci\u00f3n de umbrales, cada \u00e1rea geogr\u00e1fica determina el importe m\u00ednimo de la
exposici\u00f3n de un cliente cuyas p\u00e9rdidas esperadas deben ser estimadas individualmente teniendo en cuenta lo siguiente:
\u2013Para clientes con exposiciones en stage 3. El an\u00e1lisis de clientes con riesgo total por encima del umbral implica analizar al
menos el 40% del riesgo total de la cartera mayorista en stage 3. Aunque la calibraci\u00f3n del umbral se realiza en la cartera
mayorista, los clientes de otras carteras deben analizarse si superan el umbral y est\u00e1n en stage 3.
\u2013Para el resto de situaciones. El an\u00e1lisis de clientes con riesgo total por encima del umbral implica analizar al menos el 20%
del riesgo total de la cartera mayorista en watch list. Aunque la calibraci\u00f3n del umbral se realiza sobre la exposici\u00f3n
clasificada como watch list, los clientes mayoristas o pertenecientes a otras carteras que tengan exposiciones clasificadas
en stage 2 y cuya exposici\u00f3n total supere el citado umbral deben analizarse individualmente, considerando tanto las
exposiciones clasificadas en stage 1 como en stage 2.
En relaci\u00f3n a la metodolog\u00eda utilizada para la estimaci\u00f3n individualizada de las p\u00e9rdidas esperadas, cabe mencionar, en primer lugar,
que \u00e9stas se definen como la diferencia entre el importe en libros bruto del activo y el valor presente de los flujos de caja futuros
estimados descontados a la tasa de inter\u00e9s efectiva original del activo financiero.
La cantidad recuperable estimada debe corresponder a la cantidad calculada seg\u00fan el siguiente m\u00e9todo:
\u2013El valor actual de los flujos de caja futuros estimados, descontados al tipo de inter\u00e9s efectivo original del activo financiero; y
\u2013La estimaci\u00f3n de la cuant\u00eda recuperable de una exposici\u00f3n garantizada refleja los flujos de caja que pueden resultar de la
liquidaci\u00f3n de la garant\u00eda, teniendo en cuenta los costes asociados, as\u00ed como la informaci\u00f3n de car\u00e1cter prospectivo que el
analista incluye en su an\u00e1lisis de manera impl\u00edcita.
La estimaci\u00f3n de los flujos de caja futuros depende del tipo de an\u00e1lisis que se realice, que puede ser:
\u2013\"Going concern\": Cuando se dispone de informaci\u00f3n actualizada y fiable sobre la solvencia y capacidad de pago de los
titulares o garantes. Los flujos de caja de explotaci\u00f3n del deudor, o del garante, contin\u00faan y pueden utilizarse para
reembolsar la deuda financiera a todos los acreedores. Adem\u00e1s, puede considerar el flujo resultante de la ejecuci\u00f3n de la
garant\u00eda en la medida en que no influya en los flujos de caja de las operaciones. Como principios generales de este tipo de
enfoque se destacan los siguientes:
a.Las estimaciones de los flujos de caja futuros deben basarse en los estados financieros actualizados del deudor/
garante.
b.Cuando las proyecciones realizadas sobre dichos estados financieros supongan una tasa de crecimiento, se debe
utilizar una tasa de crecimiento constante o decreciente a lo largo de un per\u00edodo m\u00e1ximo de crecimiento de 3 a 5
a\u00f1os, y posteriormente flujos de caja constantes.
c.La tasa de crecimiento debe basarse en el an\u00e1lisis de la evoluci\u00f3n de los estados financieros del deudor o en un
plan de reestructuraci\u00f3n empresarial s\u00f3lido y aplicable, teniendo en cuenta los cambios resultantes en la
estructura de la empresa (por ejemplo, debido a desinversiones o a la interrupci\u00f3n de l\u00edneas de negocio no
rentables).
d.Deber\u00edan considerarse las (re)-inversiones necesarias para preservar los flujos de caja, as\u00ed como cualquier cambio
futuro previsible de los flujos de caja (por ejemplo, si expira una patente o un contrato a largo plazo).
e.Cuando los flujos se basan en la realizaci\u00f3n de la enajenaci\u00f3n de algunos activos del deudor, su valoraci\u00f3n debe
reflejar una valoraci\u00f3n actualizada, una estimaci\u00f3n del tiempo necesario hasta su realizaci\u00f3n y considerar los
costos estimados relacionados con la enajenaci\u00f3n.
\u2013\"Gone concern\": Cuando no se dispone de informaci\u00f3n actualizada y fiable se considera que la estimaci\u00f3n de los flujos de
pr\u00e9stamos por cobrar es de gran incertidumbre. El an\u00e1lisis debe realizarse mediante la estimaci\u00f3n de las cantidades
recuperables a partir de las garant\u00edas reales efectivas recibidas. No ser\u00e1n admisibles como garant\u00edas efectivas, aquellas
cuya efectividad dependa sustancialmente de la solvencia del deudor o del grupo econ\u00f3mico en el que participe. Bajo el
escenario de gone concern, se ejerce la garant\u00eda y cesa el flujo de efectivo operativo del deudor. En particular, este enfoque
debe utilizarse cuando:
a.La exposici\u00f3n ha estado vencida durante un largo per\u00edodo. Existe una presunci\u00f3n refutable de que la provisi\u00f3n
debe estimarse con arreglo a un criterio de \u201cGone concern\u201d cuando los atrasos son superiores a 18 meses.
b.Se estima que los flujos de caja futuros de explotaci\u00f3n del deudor son bajas o negativas.
c.La exposici\u00f3n est\u00e1 considerablemente garantizada y esta garant\u00eda es fundamental para la generaci\u00f3n de flujos de
caja.
d.Existe un grado significativo de incertidumbre en torno a la estimaci\u00f3n de los futuros flujos de caja. As\u00ed ocurrir\u00eda si
los beneficios antes de intereses, impuestos, depreciaci\u00f3n y amortizaci\u00f3n (EBITDA) de los dos a\u00f1os anteriores
hubieran sido negativos, o si los planes comerciales de los a\u00f1os anteriores hubieran sido defectuosos (debido a
discrepancias importantes en el backtesting).
e.No se dispone de informaci\u00f3n suficiente para realizar un an\u00e1lisis \u201cGoing concern\u201d.
Incremento significativo del riesgo
Como se ha indicado en la Nota 2.2, los criterios para la identificaci\u00f3n del incremento significativo del riesgo se aplican de forma
coherente en todo el Grupo, distinguiendo entre motivos cuantitativos o por comparaci\u00f3n de probabilidades de incumplimiento y
motivos cualitativos (m\u00e1s de 30 d\u00edas de impago, consideraci\u00f3n de watch list o refinanciaciones no deterioradas).
Para la gesti\u00f3n del riesgo de cr\u00e9dito el Grupo utiliza toda la informaci\u00f3n relevante que est\u00e9 disponible y que pueda afectar a la calidad
crediticia de las exposiciones. Esta informaci\u00f3n puede proceder principalmente de los procesos internos de admisi\u00f3n, an\u00e1lisis y
seguimiento de las operaciones, de la estrategia definida por el Grupo en cuanto al precio de las operaciones o distribuci\u00f3n por \u00e1reas
geogr\u00e1ficas, productos o sectores de actividad, de la observancia del entorno macroecon\u00f3mico, de datos de mercado como curvas
de tipos de inter\u00e9s, o cotizaciones de los diferentes instrumentos financieros, o de fuentes externas de calificaci\u00f3n crediticia.
Este conjunto de informaci\u00f3n es la base para determinar los rating y scoring (ver la Nota 7.2.4 para m\u00e1s informaci\u00f3n sobre sistemas
de rating y scoring) correspondientes a cada una de las exposiciones y que tienen asignada una probabilidad de incumplimiento (PD)
que, como ya se ha mencionado, se somete anualmente a un proceso de revisi\u00f3n que eval\u00faa su representatividad (backtesting) y
actualizaci\u00f3n con las nuevas observaciones. Adem\u00e1s, se ha modelizado la proyecci\u00f3n de estas PDs en el tiempo en funci\u00f3n de las
expectativas macroecon\u00f3micas, lo que permite obtener las probabilidades de incumplimiento a lo largo de la vida de las operaciones.
A partir de esa metodolog\u00eda com\u00fan, y conforme a lo previsto en la NIIF 9 y en las directrices de la EBA sobre pr\u00e1cticas de gesti\u00f3n del
riesgo de cr\u00e9dito, cada \u00e1rea geogr\u00e1fica ha establecido umbrales absolutos y relativos para identificar si los cambios esperados en las
probabilidades de incumplimiento han aumentado significativamente respecto al momento inicial, adaptados a particularidades de
cada una de ellas en cuanto a niveles de originaci\u00f3n, caracter\u00edsticas de los productos, distribuci\u00f3n por sectores o carteras y situaci\u00f3n
macroecon\u00f3mica. Para el establecimiento de los citados umbrales se consideran una serie de principios generales como son:
\u2013Uniformidad: Basado en los sistemas de rating y scoring que, de manera homog\u00e9nea, est\u00e1n implantados en las unidades del
Grupo.
\u2013Estabilidad: Los umbrales deben establecerse para identificar el incremento significativo de riesgo producido en las
exposiciones desde su reconocimiento inicial y no s\u00f3lo para identificar aquellas situaciones en las que ya sea previsible que
alcancen el nivel de deterioro. Por ello es de esperar que del total de exposiciones siempre exista un conjunto
representativo para el que se identifique dicho incremento de riesgo.
\u2013Anticipaci\u00f3n: Los umbrales deben considerar la identificaci\u00f3n del incremento de riesgo con anticipaci\u00f3n respecto al
reconocimiento de las exposiciones como deterioradas o incluso con anterioridad a que se produzca un impago real. La
calibraci\u00f3n de los umbrales debe minimizar los casos en los que los instrumentos se clasifican en stage 3 sin haber sido
previamente reconocidos como stage 2.
\u2013Indicadores o m\u00e9tricas: Se espera que la clasificaci\u00f3n de las exposiciones en stage 2 tenga la suficiente permanencia como
para permitir desarrollar una gesti\u00f3n anticipatoria de las mismas antes de que, en su caso, acaben migrando a stage 3.
\u2013Simetr\u00eda: La NIIF 9 prev\u00e9 un tratamiento sim\u00e9trico tanto para la identificaci\u00f3n del incremento significativo de riesgo como
para identificar que el mismo ha desaparecido, por lo que los umbrales tambi\u00e9n funcionan para mejorar la clasificaci\u00f3n
crediticia de las exposiciones. En este sentido, se espera que sean m\u00ednimos los casos en los que las exposiciones que
mejoren desde stage 3 sean directamente clasificadas en stage 1.
\u2013La identificaci\u00f3n del incremento significativo de riesgo a partir de la comparaci\u00f3n de las probabilidades de incumplimiento
debe ser el principal motivo por el que se reconocen las exposiciones en stage 2.
En concreto, un contrato ser\u00e1 transferido a stage 2 cuando se cumplan las dos condiciones siguientes comparando los valores
actuales de PD y los valores de PD de originaci\u00f3n:
(PD actual) / (PD originaci\u00f3n) - 1*100 > Umbral relativo (%) y
PD actual \u2013 PD originaci\u00f3n > Umbral absoluto (pbs)
Estos umbrales absolutos y relativos se establecen de manera consistente por cada \u00e1rea geogr\u00e1fica y para cada cartera atendiendo a
sus particularidades y fundamentados en los principios descritos. Los umbrales fijados por cada \u00e1rea geogr\u00e1fica est\u00e1n incluidos
dentro del proceso de revisi\u00f3n anual y, a nivel general, se encuentran en el rango de 150% a 250%, para el umbral relativo y de 10 a
150 puntos b\u00e1sicos para el umbral absoluto. En concreto, la cartera mayorista de BBVA, S.A. tiene un rango en el umbral relativo de
160% a 180% y de 30 a 100 puntos b\u00e1sicos en umbral absoluto; en la cartera minorista el umbral relativo se encuentra entre 150% y
200% mientras que el umbral absoluto oscila entre 50 y 100 puntos b\u00e1sicos. En cuanto a BBVA M\u00e9xico, el umbral relativo para la
cartera mayorista se encuentra entre el 180% y el 200% y el absoluto entre 30 y 75 puntos b\u00e1sicos; para la cartera minorista, la
mayor parte de la misma tiene un umbral relativo entre 170% y 250% y un umbral absoluto entre 10 y 100 puntos b\u00e1sicos.
El establecimiento de umbrales absolutos y relativos, as\u00ed como sus diferentes niveles atiende a lo previsto en la NIIF 9 cuando indica
que un cambio determinado, en t\u00e9rminos absolutos, en el riesgo de que se produzca un impago ser\u00e1 m\u00e1s significativo para un
instrumento financiero con un riesgo inicial menor de que se produzca un impago en comparaci\u00f3n con un instrumento financiero con
un riesgo inicial mayor de que se produzca un impago.
Para contratos existentes antes de la implantaci\u00f3n de NIIF 9, dadas las limitaciones en la informaci\u00f3n disponible sobre los mismos,
los umbrales est\u00e1n calibrados en base a las PD obtenidas de los modelos prudenciales o econ\u00f3micos para el c\u00e1lculo de capital.
Par\u00e1metros de riesgo por grupos ajustados por escenarios macroecon\u00f3micos
La p\u00e9rdida esperada debe incluir informaci\u00f3n forward-looking para cumplir con la NIIF 9 que indica que una informaci\u00f3n completa
sobre el riesgo de cr\u00e9dito debe considerar no solo informaci\u00f3n sobre el pasado sino tambi\u00e9n toda la informaci\u00f3n de cr\u00e9dito que sea
relevante, incluyendo la informaci\u00f3n sobre la perspectiva macroecon\u00f3mica. El Grupo BBVA utiliza los par\u00e1metros de riesgo de cr\u00e9dito
cl\u00e1sicos PD, LGD y EAD para calcular la p\u00e9rdida esperada de sus carteras de cr\u00e9dito.
El enfoque metodol\u00f3gico del Grupo BBVA para incorporar la informaci\u00f3n forward-looking tiene como objetivo determinar la relaci\u00f3n
entre variables macroecon\u00f3micas y par\u00e1metros de riesgo siguiendo tres pasos principales:
\u2013Paso 1: an\u00e1lisis y transformaci\u00f3n de series temporales de datos.
\u2013Paso 2: para cada variable dependiente encontrar modelos de previsi\u00f3n condicionales que sean econ\u00f3micamente
consistentes.
\u2013Paso 3: elegir el mejor modelo de previsi\u00f3n condicional del conjunto de candidatos definidos en el paso 2, basado en su
capacidad de previsi\u00f3n.
Reflejo de los escenarios econ\u00f3micos en el c\u00e1lculo de la p\u00e9rdida esperada
El componente forward-looking se a\u00f1ade al c\u00e1lculo de la p\u00e9rdida esperada a trav\u00e9s de la introducci\u00f3n de escenarios
macroecon\u00f3micos como un input. El input depende en gran medida de una combinaci\u00f3n de regi\u00f3n y cartera, puesto que cada input se
adapta a los datos disponibles respecto a cada una de ellas.
Bas\u00e1ndose en la teor\u00eda y en el an\u00e1lisis econ\u00f3mico, los factores m\u00e1s relevantes relacionados con la explicaci\u00f3n y la previsi\u00f3n de los
par\u00e1metros de riesgo seleccionados (PD, LGD y EAD) son:
\u2013Los ingresos netos de familias, empresas y administraciones p\u00fablicas.
\u2013El importe de los pagos pendientes sobre principal e intereses de los instrumentos financieros.
\u2013El valor de los colaterales pignorados.
El Grupo BBVA estima estos par\u00e1metros utilizando un indicador aproximado a partir del conjunto de variables incluidas en los
escenarios macroecon\u00f3micos facilitados por el departamento de BBVA Research.
\u00danicamente se utiliza un indicador espec\u00edfico por cada una de las tres categor\u00edas y s\u00f3lo uno de los siguientes indicadores
macroecon\u00f3micos core deben ser considerados como primera opci\u00f3n:
\u2013El crecimiento real del PIB se puede considerar en la previsi\u00f3n condicional como el \u00fanico factor que se requiere para
capturar la influencia de todos los escenarios macro-financieros potencialmente relevantes sobre PD y LGD internos.
\u2013El tipo de inter\u00e9s a corto plazo m\u00e1s representativo (normalmente la tasa b\u00e1sica o el rendimiento de la deuda soberana m\u00e1s
l\u00edquida o el tipo interbancario) o tipos de cambio expresados en t\u00e9rminos reales.
\u2013Un \u00edndice de precios para propiedades inmobiliarias, representativo y expresado en t\u00e9rminos reales, en el caso de hipotecas
y un \u00edndice representativo y en t\u00e9rminos reales, para las mercanc\u00edas relevantes de la cartera de cr\u00e9ditos mayorista
concentrado en exportadores o productores de esa mercanc\u00eda.
Al crecimiento real del PIB se est\u00e1 dando prioridad sobre cualquier otro indicador no solo porque es el indicador m\u00e1s comprensivo
para ingresos y la actividad econ\u00f3mica sino tambi\u00e9n porque se trata de la variable central en la generaci\u00f3n de escenarios
macroecon\u00f3micos.
Enfoque de m\u00faltiples escenarios
La NIIF 9 requiere el c\u00e1lculo de una valoraci\u00f3n a base de una probabilidad ponderada insesgada de la p\u00e9rdida esperada a trav\u00e9s de la
evaluaci\u00f3n de un rango de posibles valores incluyendo las previsiones de condiciones futuras econ\u00f3micas.
Los equipos de BBVA Research del Grupo producen las previsiones de las variables macroecon\u00f3micas bajo el escenario de base
(\u201cbaseline scenario\u201d) que se est\u00e1n utilizando en el resto de los procesos del Grupo, tales como presupuesto, ICAAP y Marco de
Apetito de Riesgo as\u00ed como stress testing, etc.
Adicionalmente, los equipos de BBVA Research generan los escenarios alternativos al escenario de base para cumplir con los
requerimientos de la NIIF 9.
Escenarios macroecon\u00f3micos alternativos
\u2013Para cada variable macro-financiera, BBVA Research genera tres escenarios.
\u2013BBVA Research monitoriza, analiza y pronostica el entorno econ\u00f3mico para facilitar una evaluaci\u00f3n forward-looking
consistente del escenario m\u00e1s probable, as\u00ed como de los riesgos que afectan a los pa\u00edses donde opera BBVA. Para generar
los escenarios econ\u00f3micos, BBVA Research combina datos oficiales, t\u00e9cnicas econom\u00e9tricas y su criterio experto.
\u2013Cada uno de estos escenarios corresponde al valor esperado de un \u00e1rea diferente de la distribuci\u00f3n probabil\u00edstica de las
posibles proyecciones de las variables econ\u00f3micas.
\u2013El componente no lineal en la estimaci\u00f3n de las p\u00e9rdidas esperadas se define como el ratio entre la probabilidad ponderada
de la p\u00e9rdida esperada bajo los escenarios alternativos y el escenario de base, donde la probabilidad de los escenarios
depende de la distancia entre los escenarios alternativos y el escenario de base.
\u2013El Grupo BBVA establece escenarios ponderados de manera equitativa, siendo la probabilidad del escenario base del 34%,
la del 33% para el escenario alternativo m\u00e1s desfavorable y la del positivo 33% para el escenario alternativo m\u00e1s favorable.
El enfoque del Grupo BBVA consiste en el uso del escenario que es m\u00e1s probable, el escenario de base, que es consistente con el
resto de los procesos internos (ICAAP, presupuesto, etc.), sobre el que se incorpora el efecto de utilizar m\u00faltiples escenarios. Este
efecto se calcula teniendo en cuenta el peso ponderado de la p\u00e9rdida esperada determinada para cada uno de los escenarios.
Hay que destacar que en general, se espera que el efecto resultante de utilizar m\u00faltiples escenarios sea incrementar las p\u00e9rdidas
esperadas respecto a las estimadas en el escenario central, aunque pudiera ser posible que no se produjera dicho efecto en el caso de
que la relaci\u00f3n entre los escenarios macro y las p\u00e9rdidas fuese lineal.
Por otro lado, el Grupo BBVA tambi\u00e9n tiene en cuenta el rango de posibles escenarios en la definici\u00f3n de su incremento significativo
del riesgo. De esta manera, las PD empleadas en el proceso cuantitativo para la identificaci\u00f3n del incremento significativo de riesgo
ser\u00e1n las que resulten de hacer una media ponderada de las PD calculadas bajo los tres escenarios.
Escenarios macroecon\u00f3micos
La pandemia del COVID-19 gener\u00f3 una situaci\u00f3n de incertidumbre macroecon\u00f3mica con impacto directo en el riesgo de cr\u00e9dito de las
entidades y, en particular, sobre las p\u00e9rdidas esperadas bajo NIIF 9. Por ello, la pr\u00e1ctica totalidad de autoridades contables y
prudenciales de manera coordinada emitieron recomendaciones o medidas en el marco del tratamiento de la situaci\u00f3n provocada por
el COVID-19 dentro de los modelos de estimaci\u00f3n de p\u00e9rdidas esperadas bajo NIIF 9 en el ejercicio 2020. En este sentido, el Grupo
BBVA consider\u00f3 dichas recomendaciones en el c\u00e1lculo de las p\u00e9rdidas esperadas por riesgo de cr\u00e9dito bajo NIIF 9, considerando que
la situaci\u00f3n econ\u00f3mica provocada por la pandemia del COVID-19 era transitoria y que vendr\u00eda acompa\u00f1ada de una recuperaci\u00f3n
dadas las incertidumbres en cuanto al nivel y momento de la misma. Por tanto, para el c\u00e1lculo de dichas p\u00e9rdidas se consideraron
diversos escenarios, registrando el que a juicio de la entidad mejor respond\u00eda al momento econ\u00f3mico y al conjunto de las
recomendaciones de las autoridades.
Durante el ejercicio 2021, una vez que se super\u00f3 la fase m\u00e1s cr\u00edtica de la pandemia, la informaci\u00f3n forward looking incorporada en el
c\u00e1lculo de p\u00e9rdidas esperadas es acorde con las perspectivas macroecon\u00f3micas publicadas por BBVA Research como era habitual
hasta el inicio de la pandemia.\u00a0
BBVA Research pronostica un m\u00e1ximo de cinco a\u00f1os para las variables macro-econ\u00f3micas. La estimaci\u00f3n (escenarios favorable,
base y desfavorable) del crecimiento del Producto Interior Bruto (PIB), la tasa de desempleo y del \u00cdndice de Precios de la Vivienda
(IPV), para los pa\u00edses m\u00e1s relevantes donde representa un factor significativo, ha sido realizada por BBVA Research y se ha usado
para el c\u00e1lculo de las p\u00e9rdidas esperadas de cara al cierre a 31 de diciembre de 2022:
Escenario favorable de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2022
4,90 %
12,27 %
(2,96) %
2,97 %
3,28 %
0,84 %
7,59 %
10,00 %
2023
1,85 %
11,35 %
(0,61) %
1,45 %
3,04 %
4,23 %
6,61 %
8,85 %
2024
3,60 %
9,75 %
1,58 %
2,33 %
2,99 %
3,07 %
(0,70) %
10,76 %
2025
3,00 %
8,36 %
1,67 %
1,91 %
3,01 %
4,18 %
3,91 %
11,78 %
2026
2,95 %
7,02 %
2,20 %
1,78 %
3,01 %
3,26 %
3,90 %
11,81 %
2027
2,93 %
5,87 %
2,31 %
1,81 %
3,00 %
4,39 %
3,86 %
11,81 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2022
4,00 %
7,67 %
7,42 %
11,97 %
8,78 %
11,41 %
2023
5,12 %
7,28 %
3,86 %
9,39 %
2,04 %
12,20 %
2024
3,15 %
6,79 %
(1,02) %
7,68 %
2,07 %
12,77 %
2025
2,19 %
6,60 %
2,79 %
6,77 %
2,44 %
12,65 %
2026
2,21 %
6,52 %
2,87 %
6,89 %
3,11 %
12,15 %
2027
2,21 %
6,49 %
3,62 %
6,81 %
3,28 %
10,47 %
Escenario base de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2022
4,61 %
12,78 %
(3,50) %
2,56 %
3,32 %
0,95 %
5,47 %
10,53 %
2023
1,20 %
12,83 %
(2,41) %
0,58 %
3,20 %
4,14 %
3,02 %
10,30 %
2024
3,37 %
11,38 %
0,55 %
2,05 %
3,17 %
2,90 %
(1,50) %
11,75 %
2025
2,98 %
9,95 %
1,30 %
1,84 %
3,15 %
4,19 %
3,78 %
12,15 %
2026
2,95 %
8,58 %
1,74 %
1,76 %
3,14 %
3,27 %
3,78 %
12,00 %
2027
2,93 %
7,18 %
1,86 %
1,79 %
3,13 %
4,37 %
3,74 %
12,00 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2022
2,69 %
7,72 %
5,00 %
12,35 %
8,05 %
11,49 %
2023
2,54 %
7,48 %
(0,50) %
10,40 %
0,72 %
12,45 %
2024
2,42 %
7,03 %
(2,04) %
8,60 %
1,81 %
13,06 %
2025
2,19 %
6,80 %
2,70 %
7,38 %
2,44 %
12,94 %
2026
2,21 %
6,70 %
2,73 %
7,38 %
3,10 %
12,43 %
2027
2,21 %
6,68 %
3,49 %
7,30 %
3,28 %
10,65 %
Escenario desfavorable de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2022
4,33 %
13,26 %
(4,13) %
2,17 %
3,37 %
1,03 %
3,35 %
11,04 %
2023
0,58 %
14,26 %
(4,02) %
(0,28) %
3,38 %
3,97 %
(0,79) %
11,76 %
2024
3,15 %
12,95 %
(0,40) %
1,77 %
3,35 %
2,69 %
(2,49) %
12,82 %
2025
2,93 %
11,53 %
0,79 %
1,77 %
3,30 %
4,04 %
3,70 %
12,53 %
2026
2,91 %
10,14 %
0,99 %
1,72 %
3,27 %
3,24 %
3,70 %
12,19 %
2027
2,89 %
8,77 %
1,10 %
1,75 %
3,26 %
4,37 %
3,66 %
12,16 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2022
1,39 %
7,77 %
2,66 %
12,71 %
7,30 %
11,57 %
2023
(0,05) %
7,69 %
(5,10) %
11,38 %
(0,59) %
12,71 %
2024
1,67 %
7,27 %
(3,29) %
9,49 %
1,50 %
13,34 %
2025
2,19 %
7,02 %
2,59 %
7,97 %
2,44 %
13,21 %
2026
2,21 %
6,91 %
2,57 %
7,83 %
3,10 %
12,70 %
2027
2,21 %
6,88 %
3,33 %
7,78 %
3,28 %
10,86 %
La estimaci\u00f3n para los pr\u00f3ximos cinco a\u00f1os de las siguientes tasas, utilizado en la medici\u00f3n de la p\u00e9rdida esperada a 31 de diciembre
de 2021, de forma consistente con las \u00faltimas estimaciones hechas p\u00fablicas a dicha fecha era la siguiente:
Escenario favorable de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2021
5,52 %
14,42 %
0,33 %
6,39 %
4,18 %
2,35 %
11,63 %
11,90 %
2022
6,14 %
12,50 %
4,70 %
4,07 %
3,89 %
5,38 %
5,60 %
11,35 %
2023
5,13 %
10,05 %
3,06 %
2,81 %
3,75 %
3,85 %
5,80 %
11,93 %
2024
2,61 %
8,48 %
1,87 %
2,17 %
3,69 %
3,07 %
3,62 %
12,66 %
2025
2,22 %
7,49 %
1,56 %
1,88 %
3,64 %
4,08 %
3,66 %
12,94 %
2026
2,19 %
6,71 %
1,19 %
1,83 %
3,59 %
3,95 %
3,66 %
13,05 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2021
13,60 %
11,33 %
9,91 %
15,12 %
9,89 %
15,36 %
2022
4,91 %
7,50 %
6,69 %
11,34 %
5,33 %
13,60 %
2023
3,78 %
6,82 %
3,02 %
9,48 %
3,38 %
13,22 %
2024
2,76 %
6,55 %
2,09 %
7,99 %
3,30 %
12,31 %
2025
2,34 %
6,52 %
2,16 %
6,89 %
3,44 %
11,58 %
2026
2,28 %
6,47 %
2,12 %
6,88 %
3,51 %
11,32 %
Escenario base de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2021
5,23 %
14,93 %
(0,20) %
5,98 %
4,22 %
2,46 %
9,46 %
12,43 %
2022
5,49 %
13,98 %
2,91 %
3,19 %
4,05 %
5,30 %
1,98 %
12,80 %
2023
4,89 %
11,68 %
2,04 %
2,54 %
3,92 %
3,68 %
5,04 %
12,93 %
2024
2,59 %
10,08 %
1,50 %
2,09 %
3,83 %
3,07 %
3,49 %
13,03 %
2025
2,22 %
9,05 %
1,10 %
1,87 %
3,77 %
4,08 %
3,54 %
13,13 %
2026
2,19 %
8,15 %
0,74 %
1,82 %
3,71 %
3,93 %
3,53 %
13,23 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2021
12,22 %
11,38 %
7,49 %
15,50 %
9,17 %
15,44 %
2022
2,32 %
7,70 %
2,30 %
12,35 %
4,02 %
13,86 %
2023
3,05 %
7,06 %
2,04 %
10,40 %
3,13 %
13,51 %
2024
2,76 %
6,76 %
1,98 %
8,60 %
3,29 %
12,60 %
2025
2,34 %
6,70 %
2,03 %
7,38 %
3,44 %
11,87 %
2026
2,28 %
6,64 %
1,99 %
7,38 %
3,51 %
11,53 %
Escenario desfavorable de la estimaci\u00f3n del PIB, tasa de desempleo e IPV para las \u00e1reas geogr\u00e1ficas principales
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Fecha
PIB
Desempleo
IPV
PIB
Desempleo
IPV
PIB
Desempleo
2021
4,95 %
15,41 %
(0,82) %
5,58 %
4,27 %
2,54 %
7,29 %
12,94 %
2022
4,88 %
15,41 %
1,31 %
2,33 %
4,23 %
5,13 %
(1,87) %
14,26 %
2023
4,68 %
13,25 %
1,09 %
2,26 %
4,10 %
3,48 %
4,09 %
13,99 %
2024
2,54 %
11,65 %
0,99 %
2,03 %
3,99 %
2,92 %
3,40 %
13,41 %
2025
2,18 %
10,62 %
0,35 %
1,82 %
3,90 %
4,05 %
3,47 %
13,31 %
2026
2,15 %
9,61 %
(0,01) %
1,78 %
3,84 %
3,93 %
3,46 %
13,40 %
Per\u00fa
Argentina
Colombia
Fecha
PIB
Desempleo
PIB
Desempleo
PIB
Desempleo
2021
10,84 %
11,43 %
5,14 %
15,86 %
8,43 %
15,52 %
2022
(0,28) %
7,90 %
(2,34) %
13,33 %
2,72 %
14,12 %
2023
2,31 %
7,30 %
0,85 %
11,29 %
2,83 %
13,79 %
2024
2,76 %
6,98 %
1,86 %
9,19 %
3,29 %
12,87 %
2025
2,34 %
6,91 %
1,88 %
7,83 %
3,43 %
12,13 %
2026
2,28 %
6,85 %
1,83 %
7,85 %
3,51 %
11,71 %
Sensibilidad a los escenarios macroecon\u00f3micos
Se ha realizado un ejercicio de sensibilidad de las p\u00e9rdidas esperadas debido a variaciones de las hip\u00f3tesis clave por ser las que
mayor incertidumbre introducen en la estimaci\u00f3n de dichas p\u00e9rdidas. Como primer paso se han identificado como variables m\u00e1s
relevantes el PIB y el Precio de la Vivienda. Estas variables se han sometido a shocks de +/- 100 pbs en toda la ventana temporal con
impacto en los modelos. Se han valorado sensibilidades independientes, bajo el supuesto de asignar una probabilidad del 100% a
cada escenario determinado con estos shocks independientes.
La variaci\u00f3n en p\u00e9rdidas esperadas viene determinada tanto por el re-staging (es decir: en escenarios de empeoramiento por el
reconocimiento de p\u00e9rdidas crediticias de por vida para operaciones adicionales que se trasladan a stage 2 desde stage 1 donde se
valoran 12 meses de p\u00e9rdidas: o viceversa en escenarios de mejora) como por las variaciones en los par\u00e1metros de riesgos colectivos
(PD y LGD) de cada instrumento financiero debido a los cambios definidos en las previsiones macroecon\u00f3micas del escenario. A
continuaci\u00f3n se muestra la variaci\u00f3n de la p\u00e9rdida esperada para el Grupo y las principales carteras y \u00e1reas geogr\u00e1ficas:
Variaci\u00f3n de la p\u00e9rdida esperada a 31 Diciembre de 2022
Grupo BBVA
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
PIB
Total
Portafolio
Minorista
Empresas
Renta Fija
Total
Portafolio
Empresas
Minorista
Total
Portafolio
Empresas
Minorista
Total
Portafolio
Empresas
Minorista
-100 pbs
223
151
67
3
118
54
62
67
3
63
19
5
12
+100 pbs
(195)
(135)
(55)
(3)
(95)
(42)
(52)
(63)
(3)
(60)
(18)
(5)
(11)
Precio
Vivienda
-100 pbs
1
23
4
+100 pbs
(1)
(22)
(3)
Variaci\u00f3n de la p\u00e9rdida esperada a 31 Diciembre de 2021
Grupo BBVA
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
PIB
Total
Portafolio
Minorista
Empresas
Renta Fija
Total
Portafolio
Empresas
Minorista
Total
Portafolio
Empresas
Minorista
Total
Portafolio
Empresas
Minorista
-100 pbs
237
165
46
3
92
19
58
72
3
65
17
6
11
+100 pbs
(224)
(158)
(44)
(3)
(88)
(18)
(57)
(69)
(4)
(61)
(17)
(6)
(10)
Precio
Vivienda
-100 pbs
4
54
5
+100 pbs
(4)
(53)
(5)
Ajustes adicionales a las p\u00e9rdidas esperadas
El Grupo revisa peri\u00f3dicamente sus estimaciones individualizadas y sus modelos para la estimaci\u00f3n colectiva de las p\u00e9rdidas
esperadas, as\u00ed como el efecto sobre las mismas de los escenarios macroecon\u00f3micos. Adicionalmente, el Grupo puede complementar
dichas p\u00e9rdidas esperadas para recoger los efectos que pudieran no estar incluidos en las mismas, bien por considerar que existen
factores de riesgo adicionales, o para incorporar particularidades sectoriales o que puedan afectar a un conjunto de operaciones o
acreditados, siguiendo un proceso interno formal de aprobaci\u00f3n establecido al efecto.
As\u00ed, durante 2022, en el caso de Espa\u00f1a, se han revisado las p\u00e9rdidas esperadas de las operaciones consideradas dudosas por
razones diferentes a la morosidad, ajustando en el modelo la severidad de estas operaciones para alinearla con la de los dudosos por
morosidad, habi\u00e9ndose registrado una provisi\u00f3n adicional de 250 millones de euros con un cargo a la cuenta de resultados del
ejercicio 2022. Del mismo modo, durante 2021, para los clientes acogidos a las medidas del RDL 6/2012 se revis\u00f3 su par\u00e1metro de
severidad, resultando en un ajuste cuyo importe remanente al cierre del ejercicio 2022 ha sido de 138 millones de euros, sin variaci\u00f3n
significativa en el a\u00f1o.
Por otro lado, los ajustes complementarios pendientes de asignar a operaciones o clientes concretos que est\u00e1n vigentes a 31 de
diciembre de 2022 totalizan 302 millones de euros, de los que 170 millones de euros corresponden a BBVA, S.A., 92 millones de
euros a M\u00e9xico, 25 millones de euros a Per\u00fa, 11 millones de euros a Colombia y 5 millones de euros a Chile. En comparaci\u00f3n a 31 de
diciembre de 2021, los ajustes complementarios pendientes de asignar a operaciones o clientes concretos totalizaron 311 millones de
euros distribuidos en 226 millones de euros en Espa\u00f1a, 68 millones de euros en M\u00e9xico y 18 millones de euros en Per\u00fa. La variaci\u00f3n
en el ejercicio se produce, por un lado, debido a la revisi\u00f3n o al consumo parcial de los ajustes que se estimaron necesarios por la
existencia de moratorias, garant\u00edas p\u00fablicas o sectores m\u00e1s afectados por la pandemia y, por otro, por las p\u00e9rdidas adicionales por
importe de 150 millones de euros asignadas a exposiciones de las carteras de Empresas principalmente de Espa\u00f1a, M\u00e9xico, Per\u00fa y
Colombia (mayoristas y peque\u00f1as y medianas empresas), que pudieran verse m\u00e1s afectadas por el actual contexto econ\u00f3mico de
elevada inflaci\u00f3n, tipos de inter\u00e9s o precios de la energ\u00eda.
7.2.2Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
A continuaci\u00f3n, se presenta la distribuci\u00f3n por ep\u00edgrafes del balance consolidado, del riesgo de cr\u00e9dito del Grupo BBVA a 31 de
diciembre de 2022, 2021 y 2020. Esta distribuci\u00f3n no considera el importe reconocido por las p\u00e9rdidas por deterioro y no est\u00e1n
deducidas las garant\u00edas reales ni otras mejoras crediticias obtenidas para asegurar el cumplimiento de las obligaciones de pago. El
desglose se realiza en funci\u00f3n de la naturaleza de los instrumentos financieros:
Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito (Millones de euros)
Notas
Diciembre\u00a0 \u00a0 \u00a0 \u00a0
2022
Stage 1
Stage 2
Stage 3
Activos financieros mantenidos para negociar
70.763
Instrumentos de patrimonio
10
4.404
Valores representativos de deuda
10
24.367
Pr\u00e9stamos y anticipos
10
41.993
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente
a valor razonable con cambios en resultados
6.888
Instrumentos de patrimonio
11
6.511
Valores representativos de deuda
11
129
Pr\u00e9stamos y anticipos a la clientela
11
247
Activos financieros designados a valor razonable con cambios en resultados
12
913
Derivados y contabilidad de coberturas
53.101
Activos financieros a valor razonable con cambios en otro resultado global
59.100
Instrumentos de patrimonio
13
1.198
Valores representativos de deuda
57.876
57.028
822
26
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13
26
26
\u2014
\u2014
Activos financieros a coste amortizado
433.445
386.048
33.873
13.523
Valores representativos de deuda
43.700
43.433
237
30
Pr\u00e9stamos y anticipos a bancos centrales
4.420
4.420
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
16.066
15.997
69
Pr\u00e9stamos y anticipos a la clientela
369.260
322.199
33.568
13.493
Total riesgo por activos financieros
624.210
Total compromisos y garant\u00edas concedidos
192.568
181.427
9.993
1.147
Compromisos de pr\u00e9stamo concedidos
33
136.920
130.459
6.283
177
Garant\u00edas financieras concedidas
33
16.511
15.214
1.015
281
Otros compromisos concedidos
33
39.137
35.753
2.695
689
Total exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
816.778
Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito (Millones de euros)
Notas
Diciembre\u00a0 \u00a0 \u00a0 \u00a0
2021
Stage 1
Stage 2
Stage 3
Activos financieros mantenidos para negociar
92.560
Instrumentos de patrimonio
10
15.963
Valores representativos de deuda
10
25.790
Pr\u00e9stamos y anticipos
10
50.807
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente
a valor razonable con cambios en resultados
6.086
Instrumentos de patrimonio
11
5.303
Valores representativos de deuda
11
128
Pr\u00e9stamos y anticipos a la clientela
11
655
Activos financieros designados a valor razonable con cambios en resultados
12
1.092
Derivados y contabilidad de coberturas
43.687
Activos financieros a valor razonable con cambios en otro resultado global
60.495
Instrumentos de patrimonio
13
1.320
Valores representativos de deuda
59.148
58.587
561
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13
27
27
\u2014
\u2014
Activos financieros a coste amortizado
383.870
334.772
34.418
14.680
Valores representativos de deuda
34.833
34.605
205
22
Pr\u00e9stamos y anticipos a bancos centrales
5.687
5.687
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13.295
13.285
10
\u2014
Pr\u00e9stamos y anticipos a la clientela
330.055
281.195
34.203
14.657
Total riesgo por activos financieros
587.789
Total compromisos y garant\u00edas concedidos
165.941
152.914
12.070
957
Compromisos de pr\u00e9stamo concedidos
33
119.618
112.494
6.953
171
Garant\u00edas financieras concedidas
33
11.720
10.146
1.329
245
Otros compromisos concedidos
33
34.604
30.274
3.789
541
Total exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
753.730
Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito (Millones de euros)
Notas
Diciembre\u00a0 \u00a0 \u00a0 \u00a0
2020
Stage 1
Stage 2
Stage 3
Activos financieros mantenidos para negociar
65.696
Instrumentos de patrimonio
10
11.458
Valores representativos de deuda
10
23.970
Pr\u00e9stamos y anticipos
10
30.268
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente
a valor razonable con cambios en resultados
5.198
Instrumentos de patrimonio
11
4.133
Valores representativos de deuda
11
356
Pr\u00e9stamos y anticipos a la clientela
11
709
Activos financieros designados a valor razonable con cambios en resultados
12
1.117
Derivados y contabilidad de coberturas
46.302
Activos financieros a valor razonable con cambios en otro resultado global
69.537
Instrumentos de patrimonio
13
1.100
Valores representativos de deuda
68.404
67.995
410
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13
33
33
\u2014
\u2014
Activos financieros a coste amortizado
379.857
334.552
30.607
14.698
Valores representativos de deuda
35.785
35.759
6
20
Pr\u00e9stamos y anticipos a bancos centrales
6.229
6.229
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
14.591
14.565
20
6
Pr\u00e9stamos y anticipos a la clientela
323.252
277.998
30.581
14.672
Total riesgo por activos financieros
567.705
Total compromisos y garant\u00edas concedidos
179.440
165.726
12.682
1.032
Compromisos de pr\u00e9stamos concedidos
33
132.584
124.104
8.214
265
Garant\u00edas financieras concedidas
33
10.665
9.208
1.168
290
Otros compromisos concedidos
33
36.190
32.414
3.300
477
Total exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
747.145
A efectos del cuadro anterior, la exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito se determina en funci\u00f3n de los activos financieros como se
explica a continuaci\u00f3n:
\u2013En el caso de los activos financieros reconocidos en los balances consolidados, se considera que la exposici\u00f3n al riesgo de
cr\u00e9dito es igual a su valor en libros (sin considerar p\u00e9rdidas por deterioro), con la \u00fanica excepci\u00f3n de los derivados de
negociaci\u00f3n y cobertura.
\u2013Para los compromisos y garant\u00edas concedidos, se considera que la m\u00e1xima exposici\u00f3n al riesgo de cr\u00e9dito es el mayor
importe que el Grupo tendr\u00eda que pagar si la garant\u00eda fuera ejecutada, o el mayor importe pendiente de disposici\u00f3n por
parte del cliente en el caso de los compromisos.
\u2013La m\u00e1xima exposici\u00f3n al riesgo de los derivados se basa en la suma de dos factores: el valor de mercado de derivados y su
riesgo potencial (o \u201cadd-on\u201d).
A 31 de diciembre de 2022 no existen activos financieros comprados u originados con deterioro crediticio en los balances
consolidados de Grupo BBVA.
A continuaci\u00f3n, se presenta la exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito, las correcciones de valor acumuladas y el importe neto en
libros, en funci\u00f3n de los stages por \u00e1rea geogr\u00e1fica para pr\u00e9stamos y anticipos a la clientela a coste amortizado a 31 de diciembre de
2022, 2021 y 2020:
Diciembre 2022 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Espa\u00f1a (1)
214.126
187.037
19.621
7.468
(4.860)
(518)
(759)
(3.583)
209.266
186.519
18.862
3.885
M\u00e9xico
74.252
66.971
5.342
1.939
(2.496)
(955)
(475)
(1.066)
71.756
66.017
4.866
873
Turqu\u00eda (2)
39.547
32.755
4.436
2.356
(2.105)
(224)
(358)
(1.523)
37.443
32.531
4.078
833
Am\u00e9rica del Sur (3)
40.288
34.401
4.166
1.721
(1.768)
(318)
(345)
(1.105)
38.519
34.083
3.821
615
Otros
1.047
1.035
3
9
(8)
\u2014
\u2014
(7)
1.039
1.035
3
2
Total (4)
369.260
322.199
33.568
13.493
(11.237)
(2.014)
(1.938)
(7.284)
358.023
320.185
31.629
6.208
Del que: individual
(2.164)
(21)
(604)
(1.539)
Del que: colectiva
(9.073)
(1.994)
(1.334)
(5.745)
(1) Espa\u00f1a incluye todos los pa\u00edses donde opera BBVA, S.A.
(2) Turqu\u00eda incluye todos los pa\u00edses donde opera Garanti BBVA.
(3) En Am\u00e9rica del Sur, el Grupo BBVA opera principalmente en Argentina, Colombia, Per\u00fa y Uruguay.
(4) El importe relativo a las correcciones de valor incluye los ajustes de valoraci\u00f3n por riesgo de cr\u00e9dito a lo largo de la vida residual esperada en aquellos instrumentos financieros
que hayan sido adquiridos. Dichas correcciones de valor se determinan en el momento de la asignaci\u00f3n del precio de compra de un negocio (com\u00fanmente denominado Purchase
Price Allocation (PPA), y fueron originadas principalmente en la adquisici\u00f3n de Catalunya Banc, S.A. (a 31 de diciembre de 2022, el saldo remanente era de 190 millones de euros).
Estos ajustes de valoraci\u00f3n se reconocen en la cuenta de p\u00e9rdidas y ganancias consolidada a lo largo de la vida residual de las operaciones o son aplicados a las correcciones de
valor cuando se materializan las p\u00e9rdidas.
Diciembre 2021 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor
acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Espa\u00f1a (1)
201.405
171.883
21.380
8.143
(5.277)
(722)
(923)
(3.631)
196.129
171.161
20.457
4.511
M\u00e9xico
57.847
51.665
4.261
1.921
(2.038)
(740)
(381)
(916)
55.809
50.925
3.880
1.005
Turqu\u00eda (2)
33.472
26.497
4.134
2.841
(2.058)
(224)
(424)
(1.410)
31.414
26.273
3.711
1.431
Am\u00e9rica del Sur (3)
36.335
30.166
4.425
1.744
(1.736)
(277)
(362)
(1.096)
34.599
29.889
4.062
648
Otros
996
984
3
9
(8)
(1)
\u2014
(7)
988
983
3
2
Total (4)
330.055
281.195
34.203
14.657
(11.116)
(1.964)
(2.091)
(7.061)
318.939
279.231
32.112
7.596
Del que: individual
(2.528)
(4)
(657)
(1.867)
Del que: colectiva
(8.587)
(1.959)
(1.434)
(5.194)
(1) Espa\u00f1a incluye todos los pa\u00edses donde opera BBVA, S.A.
(2) Turqu\u00eda incluye todos los pa\u00edses donde opera Garanti BBVA.
(3) En Am\u00e9rica del Sur, el Grupo BBVA opera principalmente en Argentina, Colombia, Per\u00fa y Uruguay.
(4) El importe relativo a las correcciones de valor incluye los ajustes de valoraci\u00f3n por riesgo de cr\u00e9dito a lo largo de la vida residual esperada en aquellos instrumentos financieros
que hayan sido adquiridos. Dichas correcciones de valor se determinan en el momento de la asignaci\u00f3n del precio de compra de un negocio (com\u00fanmente denominado Purchase
Price Allocation (PPA), y fueron originadas principalmente en la adquisici\u00f3n de Catalunya Banc, S.A. (a 31 de diciembre de 2021 el saldo remanente era de 266 millones de euros).
Estos ajustes de valoraci\u00f3n se reconocen en la cuenta de p\u00e9rdidas y ganancias consolidada a lo largo de la vida residual de las operaciones o son aplicados a las correcciones de
valor cuando se materializan las p\u00e9rdidas.
Diciembre 2020 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Espa\u00f1a (1)
195.983
171.397
16.387
8.199
(5.679)
(753)
(849)
(4.077)
190.304
170.644
15.538
4.122
M\u00e9xico
52.211
46.373
4.071
1.767
(2.211)
(685)
(442)
(1.083)
50.000
45.688
3.628
684
Turqu\u00eda (2)
39.633
30.832
5.806
2.995
(2.338)
(246)
(535)
(1.557)
37.295
30.586
5.272
1.438
Am\u00e9rica del Sur (3)
34.499
28.484
4.312
1.703
(1.870)
(320)
(460)
(1.090)
32.629
28.165
3.852
612
Otros
925
912
5
8
(7)
(1)
\u2014
(6)
918
911
4
2
Total (4)
323.252
277.998
30.581
14.672
(12.105)
(2.005)
(2.287)
(7.813)
311.147
275.993
28.294
6.860
Del que: individual
(2.611)
(10)
(479)
(2.122)
Del que: colectiva
(9.494)
(1.995)
(1.808)
(5.691)
Diciembre 2021 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Administraciones
p\u00fablicas
19.719
19.287
369
62
(37)
(13)
(5)
(19)
19.682
19.274
364
43
Otras instituciones
financieras
9.826
9.672
131
24
(23)
(8)
(6)
(9)
9.804
9.664
125
15
Sociedades no
financieras
146.797
120.140
19.366
7.290
(5.804)
(759)
(1.306)
(3.738)
140.993
119.381
18.060
3.552
Hogares
153.714
132.096
14.336
7.281
(5.253)
(1.184)
(773)
(3.295)
148.461
130.912
13.563
3.986
Total pr\u00e9stamos y
anticipos a la
clientela
330.055
281.195
34.203
14.657
(11.116)
(1.964)
(2.091)
(7.061)
318.939
279.231
32.112
7.596
Diciembre 2020 (Millones de euros)
Exposici\u00f3n bruta
Correcciones de valor acumuladas
Importe neto
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Administraciones
p\u00fablicas
19.439
19.163
200
76
(48)
(14)
(9)
(25)
19.391
19.149
191
51
Otras instituciones
financieras
9.856
9.747
95
14
(39)
(25)
(6)
(7)
9.817
9.722
88
7
Sociedades no
financieras
142.547
119.891
15.179
7.477
(6.123)
(774)
(1.110)
(4.239)
136.424
119.117
14.069
3.238
Hogares
151.410
129.196
15.108
7.106
(5.895)
(1.192)
(1.161)
(3.542)
145.515
128.005
13.946
3.564
Total pr\u00e9stamos y
anticipos a la
clientela
323.252
277.998
30.581
14.672
(12.105)
(2.005)
(2.287)
(7.813)
311.147
275.993
28.294
6.860
El detalle por contraparte y por producto de los pr\u00e9stamos y anticipos, neto de correcciones de valor, as\u00ed como el total del importe en
libros bruto por tipo de productos, clasificados en distintas categor\u00edas de activos a 31 de diciembre de 2022, 2021 y 2020 se muestra
a continuaci\u00f3n:
Diciembre 2022 (Millones de euros)
Bancos
centrales
Administracion
es p\u00fablicas
Entidades de
cr\u00e9dito
Otras
sociedades
financieras
Sociedades no
financieras
Hogares
Total
Importe en
libros bruto
A la vista y con breve plazo de preaviso
(cuenta corriente)
\u2014
6
\u2014
352
2.810
933
4.101
4.266
Deuda por tarjetas de cr\u00e9dito
\u2014
1
\u2014
3
2.029
16.865
18.898
19.985
Deudores comerciales
1.021
24
370
24.510
85
26.011
26.254
Arrendamientos financieros
\u2014
195
\u2014
13
8.040
322
8.571
8.857
Pr\u00e9stamos de recompra inversa
302
\u2014
5.251
102
\u2014
\u2014
5.655
5.674
Otros pr\u00e9stamos a plazo
3.802
19.438
4.009
7.995
126.949
139.925
302.118
311.553
Anticipos distintos de pr\u00e9stamos
296
232
6.772
3.930
1.333
811
13.374
13.430
PR\u00c9STAMOS Y ANTICIPOS
4.401
20.892
16.057
12.765
165.670
158.943
378.728
390.019
Por garant\u00edas reales
De los cuales: pr\u00e9stamos
garantizados por bienes inmuebles
297
\u2014
337
23.970
95.056
119.659
122.719
De los cuales: otros pr\u00e9stamos con
garant\u00edas reales
498
5.382
5.073
548
6.635
2.209
20.345
20.675
Por finalidad
De los cuales: cr\u00e9dito al consumo
51.344
51.344
54.718
De los cuales: pr\u00e9stamos para
compra de vivienda
95.249
95.249
96.716
Por subordinaci\u00f3n
De los cuales: pr\u00e9stamos para
financiaci\u00f3n de proyectos
7.942
7.942
8.530
Diciembre 2021 (Millones de euros)
Bancos
centrales
Administracion
es p\u00fablicas
Entidades de
cr\u00e9dito
Otras
sociedades
financieras
Sociedades no
financieras
Hogares
Total
Importe en
libros bruto
A la vista y con breve plazo de preaviso
(cuenta corriente)
\u2014
6
\u2014
321
2.339
495
3.161
3.345
Deuda por tarjetas de cr\u00e9dito
\u2014
\u2014
\u2014
1
1.504
12.523
14.030
14.949
Deudores comerciales
791
\u2014
476
18.191
66
19.524
19.766
Arrendamientos financieros
\u2014
191
\u2014
14
7.388
317
7.911
8.256
Pr\u00e9stamos de recompra inversa
1.192
\u2014
2.788
23
\u2014
\u2014
4.004
4.013
Otros pr\u00e9stamos a plazo
4.174
18.440
4.004
5.413
110.204
134.505
276.739
286.127
Anticipos distintos de pr\u00e9stamos
315
394
6.510
3.554
1.805
630
13.208
13.263
PR\u00c9STAMOS Y ANTICIPOS
5.681
19.822
13.303
9.804
141.431
148.536
338.577
349.719
Por garant\u00edas reales
De los cuales: pr\u00e9stamos
garantizados por bienes inmuebles
324
\u2014
220
21.531
94.821
116.897
119.980
De los cuales: otros pr\u00e9stamos con
garant\u00edas reales
1.180
1.413
2.534
390
3.512
1.950
10.979
11.335
Por finalidad
De los cuales: cr\u00e9dito al consumo
42.294
42.294
45.236
De los cuales: pr\u00e9stamos para
compra de vivienda
95.209
95.209
96.612
Por subordinaci\u00f3n
De los cuales: pr\u00e9stamos para
financiaci\u00f3n de proyectos
8.863
8.863
9.423
Diciembre 2020 (Millones de euros)
Bancos
centrales
Administracion
es p\u00fablicas
Entidades de
cr\u00e9dito
Otras
sociedades
financieras
Sociedades no
financieras
Hogares
Total
Importe en
libros bruto
A la vista y con breve plazo de preaviso
(cuenta corriente)
\u2014
7
\u2014
502
1.798
528
2.835
3.021
Deuda por tarjetas de cr\u00e9dito
\u2014
\u2014
\u2014
2
1.485
11.605
13.093
14.220
Deudores comerciales
898
\u2014
317
14.262
67
15.544
15.796
Arrendamientos financieros
\u2014
197
\u2014
6
7.125
322
7.650
8.013
Pr\u00e9stamos de recompra inversa
472
\u2014
1.914
\u2014
71
\u2014
2.457
2.463
Otros pr\u00e9stamos a plazo
5.690
18.111
3.972
5.799
111.141
132.603
277.317
287.467
Anticipos distintos de pr\u00e9stamos
48
260
8.721
3.191
1.084
473
13.777
13.833
PR\u00c9STAMOS Y ANTICIPOS
6.209
19.475
14.608
9.817
136.966
145.598
332.672
344.813
Por garant\u00edas reales
De los cuales: pr\u00e9stamos
garantizados por bienes inmuebles
372
\u2014
209
22.091
94.147
116.819
120.194
De los cuales: otros pr\u00e9stamos con
garant\u00edas reales
472
952
\u2014
317
3.763
2.059
7.562
7.776
Por finalidad
De los cuales: cr\u00e9dito al consumo
39.799
39.799
43.037
De los cuales: pr\u00e9stamos para
compra de vivienda
94.098
94.098
95.751
Por subordinaci\u00f3n
De los cuales: pr\u00e9stamos para
financiaci\u00f3n de proyectos
10.721
10.721
11.032
7.2.3Mitigaci\u00f3n del riesgo de cr\u00e9dito, garant\u00edas reales y otras mejoras crediticias
La m\u00e1xima exposici\u00f3n al riesgo de cr\u00e9dito, se ve reducida en determinados casos por la existencia de garant\u00edas reales, mejoras
crediticias y otras acciones que mitigan la exposici\u00f3n del Grupo. La pol\u00edtica de cobertura y mitigaci\u00f3n del riesgo de cr\u00e9dito en el Grupo
BBVA dimana de su concepci\u00f3n del negocio bancario, muy centrado en la banca de relaci\u00f3n. En esta l\u00ednea, la exigencia de garant\u00edas
puede ser un instrumento necesario pero no suficiente para la concesi\u00f3n de riesgos, pues la asunci\u00f3n de riesgos por el Grupo
requiere la previa verificaci\u00f3n de la capacidad de pago del deudor o de que \u00e9ste pueda generar los recursos suficientes para permitirle
la amortizaci\u00f3n del riesgo contra\u00eddo en las condiciones convenidas.
Consecuentemente con lo anterior, la pol\u00edtica de asunci\u00f3n de riesgos de cr\u00e9dito se instrumenta en el Grupo BBVA en tres niveles
distintos:
\u2013an\u00e1lisis del riesgo financiero de la operaci\u00f3n, basado en la capacidad de reembolso o generaci\u00f3n de recursos del
acreditado;
\u2013en su caso, constituci\u00f3n de las garant\u00edas adecuadas al riesgo asumido; en cualquiera de las formas generalmente
aceptadas: garant\u00eda dineraria, real, personal o coberturas; y finalmente;
\u2013valoraci\u00f3n del riesgo de recuperaci\u00f3n (liquidez del activo) de las garant\u00edas recibidas.
Lo anterior se realiza a trav\u00e9s de una prudente pol\u00edtica de riesgos que consiste en el an\u00e1lisis del riesgo financiero de la operaci\u00f3n,
basado en la capacidad de reembolso o generaci\u00f3n de recursos del acreditado, el an\u00e1lisis de la garant\u00eda valorando, entre otros, la
eficacia, la solidez y el riesgo, la adecuaci\u00f3n de la garant\u00eda con la operaci\u00f3n y otros aspectos como la ubicaci\u00f3n, divisa, concentraci\u00f3n
o la existencia de limitantes. Adicionalmente, se deber\u00e1n realizar las tareas necesarias para la constituci\u00f3n de garant\u00edas \u2013 en
cualquiera de las formas generalmente aceptadas (real, personal y coberturas) \u2013 adecuadas al riesgo asumido.
Los procedimientos para la gesti\u00f3n y valoraci\u00f3n de las garant\u00edas est\u00e1n recogidos en las pol\u00edticas generales de Gesti\u00f3n del Riesgo de
Cr\u00e9dito (minorista y mayorista), en las que se establecen los principios b\u00e1sicos para la gesti\u00f3n del riesgo de cr\u00e9dito, que incluye la
gesti\u00f3n de las garant\u00edas recibidas en las operaciones con clientes. La Norma de Garant\u00edas detalla los criterios relativos al tratamiento
sistem\u00e1tico, homog\u00e9neo y eficaz de las garant\u00edas en la operativa de cr\u00e9dito en las bancas mayorista y minorista del Grupo BBVA.
Los m\u00e9todos utilizados para valorar las garant\u00edas coinciden con las mejores pr\u00e1cticas del mercado e implican la utilizaci\u00f3n de
tasaciones en las garant\u00edas inmobiliarias, precio de mercado en valores burs\u00e1tiles, valor de la cotizaci\u00f3n de las participaciones en
fondos de inversi\u00f3n, etc. Todas las garant\u00edas reales recibidas deben estar correctamente instrumentadas e inscritas en el registro
correspondiente, as\u00ed como contar con la aprobaci\u00f3n de las unidades jur\u00eddicas del Grupo.
La valoraci\u00f3n de las garant\u00edas se tiene en cuenta en el c\u00e1lculo de las p\u00e9rdidas esperadas. El Grupo ha desarrollado modelos internos
para, a partir de observaciones reales basadas en su propia experiencia, estimar el valor de realizaci\u00f3n de los colaterales recibidos, el
tiempo que transcurre hasta entonces, los costes para su adquisici\u00f3n, mantenimiento y posterior venta. Esta modelizaci\u00f3n forma
parte de los procesos de estimaci\u00f3n de las LGD que se aplican a los diferentes segmentos, y est\u00e1n incluidos dentro de los
procedimientos de revisi\u00f3n y validaci\u00f3n anual.
A continuaci\u00f3n, se describen los principales tipos de garant\u00edas recibidas por cada categor\u00eda de instrumentos financieros:
\u2013Instrumentos de deuda mantenidos para negociar: Las garant\u00edas o mejoras crediticias que se obtengan directamente del
emisor o contrapartida est\u00e1n impl\u00edcitas en las cl\u00e1usulas del instrumento (principalmente, garant\u00edas del emisor).
\u2013Derivados y derivados-contabilidad de coberturas: En los derivados, el riesgo de cr\u00e9dito se minimiza mediante acuerdos
contractuales de compensaci\u00f3n por los que derivados activos y pasivos con la misma contrapartida son liquidados por su
saldo neto. Adem\u00e1s, pueden existir garant\u00edas de otro tipo, dependiendo de la solvencia de la contraparte y de la naturaleza
de la operaci\u00f3n (principalmente, colaterales).
El resumen del efecto de la compensaci\u00f3n (v\u00eda neteo y colateral) para la operativa de derivados financieros y operaciones
de financiaci\u00f3n de valores a 31 de diciembre de 2022 se presenta en la Nota 7.4.2.
\u2013Activos financieros designados a valor razonable con cambios en resultados y activos financieros a valor razonable con
cambios en otro resultado global: Las garant\u00edas o mejoras crediticias obtenidas directamente del emisor o contrapartida,
son inherentes a la estructura del instrumento (principalmente, garant\u00edas personales).
A 31 de diciembre de 2022, 2021 y 2020, el Grupo BBVA no ten\u00eda saldo de exposici\u00f3n a riesgo de cr\u00e9dito de activos
financieros a valor razonable con cambios en otro resultado global deteriorados (ver Nota 7.2.2).
\u2013Activos financieros a coste amortizado:
a.Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito: Habitualmente, cuentan con garant\u00edas personales de la
contraparte o con t\u00edtulos pignorados en el caso de adquisiciones temporales de activos.
b.Pr\u00e9stamos y anticipos a la clientela: La mayor parte de las operaciones cuentan con la garant\u00eda personal de la
contraparte. Adem\u00e1s, pueden tomarse garant\u00edas reales para asegurar las operaciones de cr\u00e9dito a la clientela
(tales como garant\u00edas hipotecarias, dinerarias, pignoraci\u00f3n de valores u otras garant\u00edas reales) u obtener otro
tipo de mejoras crediticias (avales o seguros).
c.Valores representativos de deuda: Las garant\u00edas o mejoras crediticias obtenidas directamente del emisor o
contrapartida son inherentes a la estructura del instrumento.
\u2013Garant\u00edas financieras, otros riesgos contingentes y disponibles por terceros: cuentan con la garant\u00eda personal de la
contraparte u otros colaterales.
El desglose de los pr\u00e9stamos y anticipos a coste amortizado deteriorados (ver Nota 7.2.6) que est\u00e1n cubiertos por garant\u00edas reales y
financieras, por tipo de garant\u00eda, a 31 de diciembre de 2022, 2021 y 2020, es el siguiente:
Pr\u00e9stamos y anticipos a coste amortizado deteriorados cubiertos por garant\u00edas reales y financieras (Millones de euros)
Exposici\u00f3n
m\u00e1xima al
riesgo de
cr\u00e9dito
De los cuales garantizados
Hipotecas
residenciales
Hipotecas
comerciales
Efectivo
Otros
Financieras
Diciembre 2022
13.493
2.537
849
3
52
984
Diciembre 2021
14.657
2.875
1.068
5
33
886
Diciembre 2020
14.678
2.717
789
18
52
575
El valor de las garant\u00edas recibidas a 31 de diciembre de 2022, 2021 y 2020 es el siguiente:
Garant\u00edas recibidas (Millones de euros)
2022
2021
2020
Valor de las garant\u00edas reales
125.963
117.362
116.900
Del que: garantiza riesgos normales en vigilancia especial
12.826
11.768
11.296
Del que: garantiza riesgos deteriorados
3.440
3.981
3.577
Valor de otras garant\u00edas
40.050
48.680
47.012
Del que: garantiza riesgos normales en vigilancia especial
4.963
7.404
4.045
Del que: garantiza riesgos deteriorados
984
886
575
Total valor de las garant\u00edas recibidas
166.013
166.042
163.912
La determinaci\u00f3n de estos distintos niveles y sus l\u00edmites de probabilidad de incumplimiento (PD) se realiz\u00f3 tomando como referencia
las escalas de rating y tasas de incumplimiento de las agencias externas Standard & Poor\u2019s y Moody\u2019s. De esta manera se establecen
los niveles de probabilidad de incumplimiento de la Escala Maestra del Grupo BBVA. Dicha escala es com\u00fan para todo el Grupo, sin
embargo, las calibraciones (mapeo de puntuaciones a tramos de PD / niveles de la Escala Maestra) se realizan a nivel de herramienta
para cada uno de los pa\u00edses en los que el Grupo dispone de herramientas.
A continuaci\u00f3n se muestra la distribuci\u00f3n, por probabilidad de incumplimiento a 12 meses usada en el c\u00f3mputo de la p\u00e9rdida
esperada bajo la NIIF 9, y por stage, del valor bruto en libros de pr\u00e9stamos y anticipos a la clientela en porcentajes del Grupo BBVA a
31 de diciembre de 2022, 2021 y 2020:
Probabilidad de incumplimiento (en puntos b\u00e1sicos)
2022
2021
2020
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas a 12
meses (stage 1)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas
durante toda la
vida del activo
(stage 2)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas a 12
meses (stage 1)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas
durante toda la
vida del activo
(stage 2)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas a 12
meses (stage 1)
Activos sujetos a
p\u00e9rdidas
crediticias
esperadas
durante toda la
vida del activo
(stage 2)
%
%
%
%
%
%
0 a 2
5,1
\u2014
5,8
\u2014
4,0
\u2014
2 a 5
18,9
0,3
15,7
0,1
10,2
0,1
5 a 11
16,3
0,5
15,2
0,2
7,7
0,1
11 a 39
18,2
0,8
18,7
0,6
26,8
0,5
39 a 194
20,3
2,3
19,1
2,5
24,0
2,3
194 a 1.061
10,5
3,0
12,2
3,8
15,1
3,4
1.061 a 2.121
1,2
0,9
1,9
1,5
1,5
1,2
> 2.121
0,6
1,1
0,8
1,9
0,6
2,5
Total
91,0
9,0
89,4
10,6
89,9
10,1
A continuaci\u00f3n se muestra la distribuci\u00f3n, por probabilidad de incumplimiento a 12 meses usada en el c\u00f3mputo de la p\u00e9rdida
esperada bajo la NIIF 9, y por stage, del valor bruto en libros de compromisos y riesgos contingentes en porcentajes del Grupo BBVA
a 31 de diciembre de 2022:
Probabilidad de incumplimiento (en puntos b\u00e1sicos)
2022
Activos sujetos a p\u00e9rdidas
crediticias esperadas a 12
meses (stage 1)
Activos sujetos a p\u00e9rdidas
crediticias esperadas durante
toda la vida del activo (stage 2)
%
%
0 a 2
6,3
0,2
2 a 5
20,4
0,2
5 a 11
26,9
0,9
11 a 39
19,8
0,7
39 a 194
14,6
1,1
194 a 1.061
6,1
1,5
1.061 a 2.121
0,6
0,2
> 2.121
0,2
0,4
Total
94,8
5,2
Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito (Millones de euros)
Notas
Diciembre\u00a0 \u00a0 \u00a0 \u00a0
2021
Stage 1
Stage 2
Stage 3
Activos financieros mantenidos para negociar
92.560
Instrumentos de patrimonio
10
15.963
Valores representativos de deuda
10
25.790
Pr\u00e9stamos y anticipos
10
50.807
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente
a valor razonable con cambios en resultados
6.086
Instrumentos de patrimonio
11
5.303
Valores representativos de deuda
11
128
Pr\u00e9stamos y anticipos a la clientela
11
655
Activos financieros designados a valor razonable con cambios en resultados
12
1.092
Derivados y contabilidad de coberturas
43.687
Activos financieros a valor razonable con cambios en otro resultado global
60.495
Instrumentos de patrimonio
13
1.320
Valores representativos de deuda
59.148
58.587
561
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13
27
27
\u2014
\u2014
Activos financieros a coste amortizado
383.870
334.772
34.418
14.680
Valores representativos de deuda
34.833
34.605
205
22
Pr\u00e9stamos y anticipos a bancos centrales
5.687
5.687
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13.295
13.285
10
\u2014
Pr\u00e9stamos y anticipos a la clientela
330.055
281.195
34.203
14.657
Total riesgo por activos financieros
587.789
Total compromisos y garant\u00edas concedidos
165.941
152.914
12.070
957
Compromisos de pr\u00e9stamo concedidos
33
119.618
112.494
6.953
171
Garant\u00edas financieras concedidas
33
11.720
10.146
1.329
245
Otros compromisos concedidos
33
34.604
30.274
3.789
541
Total exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
753.730
Exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito (Millones de euros)
Notas
Diciembre\u00a0 \u00a0 \u00a0 \u00a0
2020
Stage 1
Stage 2
Stage 3
Activos financieros mantenidos para negociar
65.696
Instrumentos de patrimonio
10
11.458
Valores representativos de deuda
10
23.970
Pr\u00e9stamos y anticipos
10
30.268
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente
a valor razonable con cambios en resultados
5.198
Instrumentos de patrimonio
11
4.133
Valores representativos de deuda
11
356
Pr\u00e9stamos y anticipos a la clientela
11
709
Activos financieros designados a valor razonable con cambios en resultados
12
1.117
Derivados y contabilidad de coberturas
46.302
Activos financieros a valor razonable con cambios en otro resultado global
69.537
Instrumentos de patrimonio
13
1.100
Valores representativos de deuda
68.404
67.995
410
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
13
33
33
\u2014
\u2014
Activos financieros a coste amortizado
379.857
334.552
30.607
14.698
Valores representativos de deuda
35.785
35.759
6
20
Pr\u00e9stamos y anticipos a bancos centrales
6.229
6.229
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
14.591
14.565
20
6
Pr\u00e9stamos y anticipos a la clientela
323.252
277.998
30.581
14.672
Total riesgo por activos financieros
567.705
Total compromisos y garant\u00edas concedidos
179.440
165.726
12.682
1.032
Compromisos de pr\u00e9stamos concedidos
33
132.584
124.104
8.214
265
Garant\u00edas financieras concedidas
33
10.665
9.208
1.168
290
Otros compromisos concedidos
33
36.190
32.414
3.300
477
Total exposici\u00f3n m\u00e1xima al riesgo de cr\u00e9dito
747.145
El detalle por contraparte y por producto de los pr\u00e9stamos y anticipos, neto de correcciones de valor, as\u00ed como el total del importe en
libros bruto por tipo de productos, clasificados en distintas categor\u00edas de activos a 31 de diciembre de 2022, 2021 y 2020 se muestra
a continuaci\u00f3n:
Diciembre 2022 (Millones de euros)
Bancos
centrales
Administracion
es p\u00fablicas
Entidades de
cr\u00e9dito
Otras
sociedades
financieras
Sociedades no
financieras
Hogares
Total
Importe en
libros bruto
A la vista y con breve plazo de preaviso
(cuenta corriente)
\u2014
6
\u2014
352
2.810
933
4.101
4.266
Deuda por tarjetas de cr\u00e9dito
\u2014
1
\u2014
3
2.029
16.865
18.898
19.985
Deudores comerciales
1.021
24
370
24.510
85
26.011
26.254
Arrendamientos financieros
\u2014
195
\u2014
13
8.040
322
8.571
8.857
Pr\u00e9stamos de recompra inversa
302
\u2014
5.251
102
\u2014
\u2014
5.655
5.674
Otros pr\u00e9stamos a plazo
3.802
19.438
4.009
7.995
126.949
139.925
302.118
311.553
Anticipos distintos de pr\u00e9stamos
296
232
6.772
3.930
1.333
811
13.374
13.430
PR\u00c9STAMOS Y ANTICIPOS
4.401
20.892
16.057
12.765
165.670
158.943
378.728
390.019
Por garant\u00edas reales
De los cuales: pr\u00e9stamos
garantizados por bienes inmuebles
297
\u2014
337
23.970
95.056
119.659
122.719
De los cuales: otros pr\u00e9stamos con
garant\u00edas reales
498
5.382
5.073
548
6.635
2.209
20.345
20.675
Por finalidad
De los cuales: cr\u00e9dito al consumo
51.344
51.344
54.718
De los cuales: pr\u00e9stamos para
compra de vivienda
95.249
95.249
96.716
Por subordinaci\u00f3n
De los cuales: pr\u00e9stamos para
financiaci\u00f3n de proyectos
7.942
7.942
8.530
Diciembre 2021 (Millones de euros)
Bancos
centrales
Administracion
es p\u00fablicas
Entidades de
cr\u00e9dito
Otras
sociedades
financieras
Sociedades no
financieras
Hogares
Total
Importe en
libros bruto
A la vista y con breve plazo de preaviso
(cuenta corriente)
\u2014
6
\u2014
321
2.339
495
3.161
3.345
Deuda por tarjetas de cr\u00e9dito
\u2014
\u2014
\u2014
1
1.504
12.523
14.030
14.949
Deudores comerciales
791
\u2014
476
18.191
66
19.524
19.766
Arrendamientos financieros
\u2014
191
\u2014
14
7.388
317
7.911
8.256
Pr\u00e9stamos de recompra inversa
1.192
\u2014
2.788
23
\u2014
\u2014
4.004
4.013
Otros pr\u00e9stamos a plazo
4.174
18.440
4.004
5.413
110.204
134.505
276.739
286.127
Anticipos distintos de pr\u00e9stamos
315
394
6.510
3.554
1.805
630
13.208
13.263
PR\u00c9STAMOS Y ANTICIPOS
5.681
19.822
13.303
9.804
141.431
148.536
338.577
349.719
Por garant\u00edas reales
De los cuales: pr\u00e9stamos
garantizados por bienes inmuebles
324
\u2014
220
21.531
94.821
116.897
119.980
De los cuales: otros pr\u00e9stamos con
garant\u00edas reales
1.180
1.413
2.534
390
3.512
1.950
10.979
11.335
Por finalidad
De los cuales: cr\u00e9dito al consumo
42.294
42.294
45.236
De los cuales: pr\u00e9stamos para
compra de vivienda
95.209
95.209
96.612
Por subordinaci\u00f3n
De los cuales: pr\u00e9stamos para
financiaci\u00f3n de proyectos
8.863
8.863
9.423
Diciembre 2020 (Millones de euros)
Bancos
centrales
Administracion
es p\u00fablicas
Entidades de
cr\u00e9dito
Otras
sociedades
financieras
Sociedades no
financieras
Hogares
Total
Importe en
libros bruto
A la vista y con breve plazo de preaviso
(cuenta corriente)
\u2014
7
\u2014
502
1.798
528
2.835
3.021
Deuda por tarjetas de cr\u00e9dito
\u2014
\u2014
\u2014
2
1.485
11.605
13.093
14.220
Deudores comerciales
898
\u2014
317
14.262
67
15.544
15.796
Arrendamientos financieros
\u2014
197
\u2014
6
7.125
322
7.650
8.013
Pr\u00e9stamos de recompra inversa
472
\u2014
1.914
\u2014
71
\u2014
2.457
2.463
Otros pr\u00e9stamos a plazo
5.690
18.111
3.972
5.799
111.141
132.603
277.317
287.467
Anticipos distintos de pr\u00e9stamos
48
260
8.721
3.191
1.084
473
13.777
13.833
PR\u00c9STAMOS Y ANTICIPOS
6.209
19.475
14.608
9.817
136.966
145.598
332.672
344.813
Por garant\u00edas reales
De los cuales: pr\u00e9stamos
garantizados por bienes inmuebles
372
\u2014
209
22.091
94.147
116.819
120.194
De los cuales: otros pr\u00e9stamos con
garant\u00edas reales
472
952
\u2014
317
3.763
2.059
7.562
7.776
Por finalidad
De los cuales: cr\u00e9dito al consumo
39.799
39.799
43.037
De los cuales: pr\u00e9stamos para
compra de vivienda
94.098
94.098
95.751
Por subordinaci\u00f3n
De los cuales: pr\u00e9stamos para
financiaci\u00f3n de proyectos
10.721
10.721
11.032
Activos financieros
\u2013Efectivo, saldos en bancos centrales y otros dep\u00f3sitos a la vista / pr\u00e9stamos y anticipos a bancos centrales / pr\u00e9stamos y
anticipos a entidades de cr\u00e9dito a corto plazo / adquisiciones temporales de activos: En general, su valor razonable se ha
asimilado a su valor en libros, debido a la naturaleza de la contrapartida y por tratarse principalmente de saldos a corto
plazo en los que el valor en libros es la estimaci\u00f3n m\u00e1s razonable del valor del activo.
\u2013Pr\u00e9stamos a entidades de cr\u00e9dito que no sean corto plazo y pr\u00e9stamos a la clientela: En general, estos activos financieros
se valorar\u00e1n mediante el descuento de flujos futuros utilizando la curva de tipos de inter\u00e9s vigente en el momento de la
valoraci\u00f3n ajustada por el diferencial de cr\u00e9dito e incorporando cualquier hip\u00f3tesis de comportamiento si esta resultara
relevante (amortizaciones anticipadas, opcionalidades, etc.).
\u2013Valores representativos de deuda: En general, su valor razonable se ha estimado en funci\u00f3n del precio disponible en
mercado o utilizando metodolog\u00edas internas de valoraci\u00f3n.
A continuaci\u00f3n se presentan los principales m\u00e9todos de valoraci\u00f3n, hip\u00f3tesis e inputs utilizados en la estimaci\u00f3n del valor razonable
de los instrumentos financieros contabilizados a coste amortizado clasificados en nivel 2 y nivel 3, seg\u00fan el tipo de instrumento
financiero de que se trate, y los correspondientes saldos a 31 de diciembre de 2022, 2021 y 2020:
Instrumentos financieros registrados a coste amortizado por t\u00e9cnicas de valoraci\u00f3n (Millones de euros)
2022
2021
2020
T\u00e9cnicas de
valoraci\u00f3n
Principales inputs
utilizados
Nivel 2
Nivel 3
Nivel 2
Nivel 3
Nivel 2
Nivel 3
ACTIVOS
Activos financieros a
coste amortizado
13.393
371.112
13.033
331.205
15.066
324.005
M\u00e9todo del valor
presente
(Descuento de
flujos de caja
futuros)
Pr\u00e9stamos y anticipos a
bancos centrales
\u2014
142
\u2014
\u2014
\u2014
\u2014
- Diferencial de
cr\u00e9dito
- Tasa de prepago
- Tipos de inter\u00e9s
Pr\u00e9stamos y anticipos a
entidades de cr\u00e9dito
1.289
14.711
863
12.329
1.883
12.641
- Diferencial de
cr\u00e9dito
- Tasa de prepago
- Tipos de inter\u00e9s
Pr\u00e9stamos y anticipos a
la clientela
1.571
355.247
3.416
318.059
3.904
310.924
- Diferencial de
cr\u00e9dito
- Tasa de prepago
- Tipos de inter\u00e9s
Valores representativos
de deuda
10.533
1.012
8.755
817
9.279
440
- Diferencial de
cr\u00e9dito
- Tipos de inter\u00e9s
PASIVOS
Pasivos financieros a
coste amortizado
266.194
181.746
243.847
153.016
255.278
144.889
Dep\u00f3sitos de bancos
centrales
\u2014
300
\u2014
300
\u2014
207
M\u00e9todo del valor
presente
(Descuento de
flujos de caja
futuros)
- Riesgo de cr\u00e9dito
del emisor
- Tasa de prepago
- Tipos de inter\u00e9s
Dep\u00f3sitos de entidades
de cr\u00e9dito
20.546
6.231
14.853
4.916
22.914
4.633
Dep\u00f3sitos de la clientela
230.821
160.278
209.345
137.803
210.097
129.525
Valores representativos
de deuda emitidos
7.240
8.368
10.014
4.391
14.413
4.848
Otros pasivos
financieros
7.587
6.568
9.636
5.606
7.854
5.676
(1) La variaci\u00f3n se debe principalmente a la evoluci\u00f3n de los derivados de tipo de cambio en BBVA, S.A.
(2) La variaci\u00f3n se debe principalmente a ventas en BBVA, S.A.
(3) La variaci\u00f3n se debe principalmente a la evoluci\u00f3n de \"Adquisici\u00f3n temporal de activos\" de BBVA, S.A.\u00a0
A 31 de diciembre de 2022, 2021 y 2020, el ep\u00edgrafe de \u201cPosiciones cortas de valores\u201d incluye 12.544, 14.298 y 11.696 millones de
euros mantenidos con las administraciones p\u00fablicas, respectivamente.
Composici\u00f3n del saldo
La composici\u00f3n del saldo de este cap\u00edtulo de los balances consolidados adjuntos, atendiendo a la contrapartida del instrumento
financiero en el que tiene su origen, es la siguiente:
Activos financieros a coste amortizado (Millones de euros)
Notas
2022
2021
2020
Valores representativos de deuda
43.606
34.781
35.737
\u00a0 \u00a0 \u00a0 \u00a0 Bancos centrales
21
15
\u2014
Administraciones p\u00fablicas
40.389
32.130
28.727
Entidades de cr\u00e9dito
1.177
817
783
Otras sociedades financieras
857
525
5.027
Sociedades no financieras
1.162
1.295
1.200
Pr\u00e9stamos y anticipos a bancos centrales
4.401
5.681
6.209
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
16.031
13.276
14.575
Adquisici\u00f3n temporal de activos
5.251
2.788
1.914
Otros pr\u00e9stamos y anticipos
10.780
10.488
12.661
Pr\u00e9stamos y anticipos a la clientela
7.2.2
358.023
318.939
311.147
Administraciones p\u00fablicas
20.892
19.682
19.391
Otras sociedades financieras
12.765
9.804
9.817
Sociedades no financieras
165.510
140.993
136.424
Resto de la clientela
158.855
148.461
145.515
Total
8.1
422.061
372.676
367.668
Del que: activos deteriorados de pr\u00e9stamos y anticipos a la
clientela
7.2.2
13.493
14.657
14.672
Del que: correcciones de valor de pr\u00e9stamos y anticipos
7.2.5
(11.291)
(11.142)
(12.141)
Del que: correcciones de valor de valores representativos de
deuda
(93)
(52)
(48)
Durante los ejercicios 2022, 2021 y 2020 no se han producido reclasificaciones significativas desde el ep\u00edgrafe \u201cActivos financieros a
coste amortizado\u201d hacia otros ep\u00edgrafes, ni desde otros ep\u00edgrafes hacia el ep\u00edgrafe \u201cActivos financieros a coste amortizado\u201d.", "dimensions": { "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8xOTMvZnJhZzoyYjEzYTQ1YTk1ZjU0YmRjYjlkNmY3NGFiOWVjNjljOS90ZXh0cmVnaW9uOjJiMTNhNDVhOTVmNTRiZGNiOWQ2Zjc0YWI5ZWM2OWM5XzQyMzMxMTk3Njc2MDcw_3ba6bb47-1a1c-455a-9d9f-1510ff46fd02": { "value": "
7.2.3Mitigaci\u00f3n del riesgo de cr\u00e9dito, garant\u00edas reales y otras mejoras crediticias
La m\u00e1xima exposici\u00f3n al riesgo de cr\u00e9dito, se ve reducida en determinados casos por la existencia de garant\u00edas reales, mejoras
crediticias y otras acciones que mitigan la exposici\u00f3n del Grupo. La pol\u00edtica de cobertura y mitigaci\u00f3n del riesgo de cr\u00e9dito en el Grupo
BBVA dimana de su concepci\u00f3n del negocio bancario, muy centrado en la banca de relaci\u00f3n. En esta l\u00ednea, la exigencia de garant\u00edas
puede ser un instrumento necesario pero no suficiente para la concesi\u00f3n de riesgos, pues la asunci\u00f3n de riesgos por el Grupo
requiere la previa verificaci\u00f3n de la capacidad de pago del deudor o de que \u00e9ste pueda generar los recursos suficientes para permitirle
la amortizaci\u00f3n del riesgo contra\u00eddo en las condiciones convenidas.
Consecuentemente con lo anterior, la pol\u00edtica de asunci\u00f3n de riesgos de cr\u00e9dito se instrumenta en el Grupo BBVA en tres niveles
distintos:
\u2013an\u00e1lisis del riesgo financiero de la operaci\u00f3n, basado en la capacidad de reembolso o generaci\u00f3n de recursos del
acreditado;
\u2013en su caso, constituci\u00f3n de las garant\u00edas adecuadas al riesgo asumido; en cualquiera de las formas generalmente
aceptadas: garant\u00eda dineraria, real, personal o coberturas; y finalmente;
\u2013valoraci\u00f3n del riesgo de recuperaci\u00f3n (liquidez del activo) de las garant\u00edas recibidas.
Lo anterior se realiza a trav\u00e9s de una prudente pol\u00edtica de riesgos que consiste en el an\u00e1lisis del riesgo financiero de la operaci\u00f3n,
basado en la capacidad de reembolso o generaci\u00f3n de recursos del acreditado, el an\u00e1lisis de la garant\u00eda valorando, entre otros, la
eficacia, la solidez y el riesgo, la adecuaci\u00f3n de la garant\u00eda con la operaci\u00f3n y otros aspectos como la ubicaci\u00f3n, divisa, concentraci\u00f3n
o la existencia de limitantes. Adicionalmente, se deber\u00e1n realizar las tareas necesarias para la constituci\u00f3n de garant\u00edas \u2013 en
cualquiera de las formas generalmente aceptadas (real, personal y coberturas) \u2013 adecuadas al riesgo asumido.
Los procedimientos para la gesti\u00f3n y valoraci\u00f3n de las garant\u00edas est\u00e1n recogidos en las pol\u00edticas generales de Gesti\u00f3n del Riesgo de
Cr\u00e9dito (minorista y mayorista), en las que se establecen los principios b\u00e1sicos para la gesti\u00f3n del riesgo de cr\u00e9dito, que incluye la
gesti\u00f3n de las garant\u00edas recibidas en las operaciones con clientes. La Norma de Garant\u00edas detalla los criterios relativos al tratamiento
sistem\u00e1tico, homog\u00e9neo y eficaz de las garant\u00edas en la operativa de cr\u00e9dito en las bancas mayorista y minorista del Grupo BBVA.
Los m\u00e9todos utilizados para valorar las garant\u00edas coinciden con las mejores pr\u00e1cticas del mercado e implican la utilizaci\u00f3n de
tasaciones en las garant\u00edas inmobiliarias, precio de mercado en valores burs\u00e1tiles, valor de la cotizaci\u00f3n de las participaciones en
fondos de inversi\u00f3n, etc. Todas las garant\u00edas reales recibidas deben estar correctamente instrumentadas e inscritas en el registro
correspondiente, as\u00ed como contar con la aprobaci\u00f3n de las unidades jur\u00eddicas del Grupo.
La valoraci\u00f3n de las garant\u00edas se tiene en cuenta en el c\u00e1lculo de las p\u00e9rdidas esperadas. El Grupo ha desarrollado modelos internos
para, a partir de observaciones reales basadas en su propia experiencia, estimar el valor de realizaci\u00f3n de los colaterales recibidos, el
tiempo que transcurre hasta entonces, los costes para su adquisici\u00f3n, mantenimiento y posterior venta. Esta modelizaci\u00f3n forma
parte de los procesos de estimaci\u00f3n de las LGD que se aplican a los diferentes segmentos, y est\u00e1n incluidos dentro de los
procedimientos de revisi\u00f3n y validaci\u00f3n anual.
A continuaci\u00f3n, se describen los principales tipos de garant\u00edas recibidas por cada categor\u00eda de instrumentos financieros:
\u2013Instrumentos de deuda mantenidos para negociar: Las garant\u00edas o mejoras crediticias que se obtengan directamente del
emisor o contrapartida est\u00e1n impl\u00edcitas en las cl\u00e1usulas del instrumento (principalmente, garant\u00edas del emisor).
\u2013Derivados y derivados-contabilidad de coberturas: En los derivados, el riesgo de cr\u00e9dito se minimiza mediante acuerdos
contractuales de compensaci\u00f3n por los que derivados activos y pasivos con la misma contrapartida son liquidados por su
saldo neto. Adem\u00e1s, pueden existir garant\u00edas de otro tipo, dependiendo de la solvencia de la contraparte y de la naturaleza
de la operaci\u00f3n (principalmente, colaterales).
El resumen del efecto de la compensaci\u00f3n (v\u00eda neteo y colateral) para la operativa de derivados financieros y operaciones
de financiaci\u00f3n de valores a 31 de diciembre de 2022 se presenta en la Nota 7.4.2.
\u2013Activos financieros designados a valor razonable con cambios en resultados y activos financieros a valor razonable con
cambios en otro resultado global: Las garant\u00edas o mejoras crediticias obtenidas directamente del emisor o contrapartida,
son inherentes a la estructura del instrumento (principalmente, garant\u00edas personales).
A 31 de diciembre de 2022, 2021 y 2020, el Grupo BBVA no ten\u00eda saldo de exposici\u00f3n a riesgo de cr\u00e9dito de activos
financieros a valor razonable con cambios en otro resultado global deteriorados (ver Nota 7.2.2).
\u2013Activos financieros a coste amortizado:
a.Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito: Habitualmente, cuentan con garant\u00edas personales de la
contraparte o con t\u00edtulos pignorados en el caso de adquisiciones temporales de activos.
b.Pr\u00e9stamos y anticipos a la clientela: La mayor parte de las operaciones cuentan con la garant\u00eda personal de la
contraparte. Adem\u00e1s, pueden tomarse garant\u00edas reales para asegurar las operaciones de cr\u00e9dito a la clientela
(tales como garant\u00edas hipotecarias, dinerarias, pignoraci\u00f3n de valores u otras garant\u00edas reales) u obtener otro
tipo de mejoras crediticias (avales o seguros).
c.Valores representativos de deuda: Las garant\u00edas o mejoras crediticias obtenidas directamente del emisor o
contrapartida son inherentes a la estructura del instrumento.
\u2013Garant\u00edas financieras, otros riesgos contingentes y disponibles por terceros: cuentan con la garant\u00eda personal de la
contraparte u otros colaterales.
El desglose de los pr\u00e9stamos y anticipos a coste amortizado deteriorados (ver Nota 7.2.6) que est\u00e1n cubiertos por garant\u00edas reales y
financieras, por tipo de garant\u00eda, a 31 de diciembre de 2022, 2021 y 2020, es el siguiente:
Pr\u00e9stamos y anticipos a coste amortizado deteriorados cubiertos por garant\u00edas reales y financieras (Millones de euros)
Exposici\u00f3n
m\u00e1xima al
riesgo de
cr\u00e9dito
De los cuales garantizados
Hipotecas
residenciales
Hipotecas
comerciales
Efectivo
Otros
Financieras
Diciembre 2022
13.493
2.537
849
3
52
984
Diciembre 2021
14.657
2.875
1.068
5
33
886
Diciembre 2020
14.678
2.717
789
18
52
575
El valor de las garant\u00edas recibidas a 31 de diciembre de 2022, 2021 y 2020 es el siguiente:
Garant\u00edas recibidas (Millones de euros)
2022
2021
2020
Valor de las garant\u00edas reales
125.963
117.362
116.900
Del que: garantiza riesgos normales en vigilancia especial
12.826
11.768
11.296
Del que: garantiza riesgos deteriorados
3.440
3.981
3.577
Valor de otras garant\u00edas
40.050
48.680
47.012
Del que: garantiza riesgos normales en vigilancia especial
4.963
7.404
4.045
Del que: garantiza riesgos deteriorados
984
886
575
Total valor de las garant\u00edas recibidas
166.013
166.042
163.912
Ganancias (p\u00e9rdidas) por activos y pasivos financieros, contabilidad de coberturas
y diferencias de cambio, netas
El desglose de los saldos de estos cap\u00edtulos de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas, en funci\u00f3n del origen de
las partidas que lo conforman, es:
Ganancias (p\u00e9rdidas) por activos y pasivos financieros, contabilidad de coberturas y diferencias de cambio, netas
(Millones de euros)
2022
2021
2020
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos y pasivos financieros no valorados
a valor razonable con cambios en resultados, netas
64
134
139
Activos financieros a coste amortizado
8
27
106
Restantes activos y pasivos financieros
56
106
33
Ganancias (p\u00e9rdidas) por activos y pasivos financieros mantenidos para negociar, netas
562
341
777
Reclasificaci\u00f3n de activos financieros desde valor razonable con cambios en otro
resultado global
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de activos financieros desde coste amortizado
\u2014
\u2014
\u2014
Otras ganancias (p\u00e9rdidas)
562
341
777
Ganancias (p\u00e9rdidas) por activos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados, netas
(67)
432
208
Reclasificaci\u00f3n de activos financieros desde valor razonable con cambios en otro
resultado global
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de activos financieros desde coste amortizado
\u2014
\u2014
\u2014
Otras ganancias (p\u00e9rdidas)
(67)
432
208
Ganancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con
cambios en resultados, netas
150
335
56
Ganancias (p\u00e9rdidas) resultantes de la contabilidad de coberturas, netas
(45)
(214)
7
Subtotal ganancias (p\u00e9rdidas) por activos y pasivos financieros
663
1.027
1.187
Diferencias de cambio, netas
1.275
883
359
Total
1.938
1.910
1.546
El desglose del impacto de los derivados (tanto de negociaci\u00f3n como de cobertura) en el saldo de este cap\u00edtulo de las cuentas de
p\u00e9rdidas y ganancias consolidadas adjuntas es:
Derivados de negociaci\u00f3n y contabilidad de coberturas (Millones de euros)
2022
2021
2020
Derivados
Contratos de tipos de inter\u00e9s
522
73
269
Contratos de valores
1.653
(1.500)
(36)
Contratos de materias primas
4
3
1
Contratos de derivados de cr\u00e9dito
16
(255)
(89)
Contratos de derivados de tipos de cambio
(658)
40
88
Otros contratos
(131)
(12)
37
Subtotal
1.406
(1.651)
270
Ineficiencias de la contabilidad de coberturas
\u2014
Coberturas de valor razonable
(51)
(235)
5
Derivado de cobertura
(229)
90
(151)
Elemento cubierto
178
(325)
156
Coberturas de flujos de efectivo
6
21
2
Subtotal
(45)
(214)
7
Total
1.361
(1.866)
277
Adicionalmente, durante los ejercicios 2022, 2021 y 2020 se han registrado en el cap\u00edtulo \u201cDiferencias de cambio, netas\u201d de las
cuentas de p\u00e9rdidas y ganancias consolidadas, importes netos negativos por 37, 41 y 57 millones de euros, respectivamente, por
operaciones con derivados de tipo de cambio.
", "dimensions": { "concept": "ifrs-full:DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8yMjMvZnJhZzo3ZThjZDU3NDEyZTk0NDIzOTAxODYyYTljZDI0MjEwNS90ZXh0cmVnaW9uOjdlOGNkNTc0MTJlOTQ0MjM5MDE4NjJhOWNkMjQyMTA1XzQyMzMxMTk3NjcwMTM1_8884b9ad-a815-4da9-b31c-fcf8f50769b0": { "value": "Riesgo de mercado
El riesgo de mercado tiene su origen en la posibilidad de que se produzcan p\u00e9rdidas en el valor de las posiciones mantenidas como
consecuencia de los movimientos en las variables de mercado que inciden en la valoraci\u00f3n de los activos y pasivos financieros. El
\u00e1mbito del riesgo de mercado en carteras de negociaci\u00f3n del Grupo viene principalmente delimitado a las carteras originadas por
Global Markets valoradas a valor razonable y mantenidas con el prop\u00f3sito de negociar y generar resultados a corto plazo. El riesgo de
mercado en el \u00e1mbito del banking book se encuentra claramente delimitado y separado en los riesgos estructurales del tipo de inter\u00e9s
y spread de cr\u00e9dito, de tipo de cambio y de renta variable (ver Nota 7.3).
7.4.1Riesgo de mercado en carteras de negociaci\u00f3n
El riesgo de mercado en carteras de negociaci\u00f3n se puede categorizar en las siguientes agregaciones:
\u2013Riesgo de tipos de inter\u00e9s: surge como consecuencia de la exposici\u00f3n al movimiento en las diferentes curvas de tipos de
inter\u00e9s en los que se est\u00e1 operando. Si bien los productos t\u00edpicos generadores de sensibilidad a los movimientos en los tipos
de inter\u00e9s son los productos del mercado monetario (dep\u00f3sitos, futuros sobre tipos de inter\u00e9s, call money swaps, etc.) y los
derivados de tipos de inter\u00e9s tradicionales (swaps, opciones sobre tipos de inter\u00e9s \u2013 caps, floors, swaption, etc.), la pr\u00e1ctica
totalidad de los productos financieros tienen una exposici\u00f3n a movimientos en los tipos de inter\u00e9s por el efecto en la
valoraci\u00f3n de los mismos del descuento financiero.
\u2013Riesgo de renta variable: surge como consecuencia del movimiento en los precios de las acciones. Dicho riesgo se genera
en las posiciones en contado de acciones as\u00ed como en cualquier producto derivado cuyo subyacente sea una acci\u00f3n o un
\u00edndice de renta variable. Como un sub-riesgo del de renta variable surge el riesgo de dividendo, como input de cualquier
opci\u00f3n sobre renta variable, su variabilidad puede afectar a la valoraci\u00f3n de las posiciones y, por lo tanto, es un factor
generador de riesgo en los libros.
\u2013Riesgo de tipo de cambio: se produce por el movimiento en los tipos de cambio de las diferentes divisas en las que se tiene
posici\u00f3n. Al igual que el de renta variable, este riesgo se genera en las posiciones de contado de divisa, as\u00ed como en
cualquier producto derivado cuyo subyacente sea un tipo de cambio. Adicionalmente, el efecto quanto (operaciones donde
el subyacente y el nominal de la operaci\u00f3n est\u00e9n denominados en divisas diferentes) conlleva que en determinadas
operaciones donde el subyacente no sea una divisa se genere un riesgo de tipo de cambio que es preciso medir y
monitorear.
\u2013Riesgo de spread de cr\u00e9dito: El spread de cr\u00e9dito es un indicador de mercado de la calidad crediticia de un emisor. El riesgo
de spread se produce por las variaciones en los niveles de spread tanto de emisores corporativos como gubernamentales y
afecta tanto a las posiciones en bonos como en derivados de cr\u00e9dito.
\u2013Riesgo de volatilidad: se produce como consecuencia de las variaciones en los niveles de volatilidad impl\u00edcita a la que
cotizan los diferentes instrumentos de mercado en los que se negocien derivados. Este riesgo, a diferencia del resto, es un
componente exclusivo de la operativa en derivados y se define como un riesgo de primer orden al cambio en la volatilidad
que se genera en todos los posibles subyacentes en los que existan productos con opcionalidad que precisen de un input de
volatilidad para su valoraci\u00f3n.
Las m\u00e9tricas desarrolladas para el control y seguimiento del riesgo de mercado en el Grupo BBVA est\u00e1n alineadas con las mejores
pr\u00e1cticas del mercado e implementadas de manera consistente en todas las unidades locales de riesgo de mercado.
Los procedimientos de medici\u00f3n se establecen en t\u00e9rminos de c\u00f3mo impactar\u00eda una posible evoluci\u00f3n negativa de las condiciones de
los mercados, tanto bajo circunstancias ordinarias como en situaciones de tensi\u00f3n, a la cartera de trading de las unidades de Global
Markets del Grupo.
La m\u00e9trica est\u00e1ndar de medici\u00f3n del riesgo de mercado es el Valor en Riesgo (en adelante, \"VaR\" por sus siglas en ingl\u00e9s), que indica
las p\u00e9rdidas m\u00e1ximas que se pueden producir en las carteras a un nivel de confianza dado (99%) y a un horizonte temporal (un d\u00eda).
Este valor estad\u00edstico, de uso generalizado en el mercado, tiene la ventaja de resumir en una \u00fanica m\u00e9trica los riesgos inherentes a la
actividad de trading teniendo en cuenta las relaciones existentes entre todos ellos, proporcionando la predicci\u00f3n de p\u00e9rdidas que
podr\u00eda experimentar la cartera de trading como resultado de las variaciones de los precios de los mercados de renta variable, tipos de
inter\u00e9s, tipos de cambio y cr\u00e9dito. Adicionalmente, y para determinadas posiciones resulta necesario considerar tambi\u00e9n otros
riesgos, como el de spread de cr\u00e9dito, el de base, el de volatilidad o el riesgo de correlaci\u00f3n.
En lo que respecta a los modelos de medici\u00f3n de riesgos utilizados por el Grupo BBVA, Banco de Espa\u00f1a ha autorizado la utilizaci\u00f3n
del modelo interno para el c\u00e1lculo de recursos propios para las posiciones de riesgo de la cartera de negociaci\u00f3n de BBVA, S.A. y de
BBVA M\u00e9xico que, conjuntamente, contribuyen en torno a un 63 %, 77% y 72% del riesgo de mercado de la cartera de negociaci\u00f3n
del Grupo a 31 de diciembre de 2022, 2021 y 2020, respectivamente. Para el resto de \u00e1reas geogr\u00e1ficas (fundamentalmente, Am\u00e9rica
del Sur y Garanti BBVA) el c\u00e1lculo de recursos propios para las posiciones de riesgo de la cartera de negociaci\u00f3n se realiza utilizando
el modelo est\u00e1ndar.
La estructura vigente de gesti\u00f3n incluye seguimiento de l\u00edmites de riesgo de mercado que consiste en un esquema de l\u00edmites basados
en m\u00e9tricas propias de las actividades de mercado (VaR- Value at Risk-, capital econ\u00f3mico, as\u00ed como de stop loss para cada una de las
unidades de negocio del Grupo).
El modelo utilizado estima el VaR de acuerdo con la metodolog\u00eda de \u201csimulaci\u00f3n hist\u00f3rica\u201d, que consiste en estimar las p\u00e9rdidas y
ganancias que se hubieran producido en la cartera actual de repetirse las variaciones en las condiciones de los mercados que
tuvieron lugar a lo largo de un determinado per\u00edodo de tiempo y, a partir de esa informaci\u00f3n, inferir la p\u00e9rdida m\u00e1xima previsible de la
cartera actual con un determinado nivel de confianza. Este modelo presenta la ventaja de reflejar de forma precisa la distribuci\u00f3n
hist\u00f3rica de las variables de mercado y de no requerir ning\u00fan supuesto de distribuci\u00f3n de probabilidad espec\u00edfica. El per\u00edodo hist\u00f3rico
utilizado en este modelo es de dos a\u00f1os.
Las cifras de VaR se estiman siguiendo estas metodolog\u00edas:
\u2013VaR sin alisado, que equipondera la informaci\u00f3n diaria de los \u00faltimos 2 a\u00f1os transcurridos. Actualmente \u00e9sta es la
metodolog\u00eda oficial de medici\u00f3n de riesgos de mercado de cara al seguimiento y control de l\u00edmites de riesgo.
\u2013VaR con alisado, que da mayor peso a la informaci\u00f3n m\u00e1s reciente de los mercados. Es una medici\u00f3n complementaria a la
anterior.
La utilizaci\u00f3n del VaR por simulaci\u00f3n hist\u00f3rica como m\u00e9trica de riesgo presenta numerosas ventajas, aunque tambi\u00e9n ciertas
limitaciones, entre las cuales cabr\u00eda destacar:
\u2013La estimaci\u00f3n de la p\u00e9rdida m\u00e1xima diaria de las posiciones de la cartera de Global Markets (con un nivel de confianza del
99%) depende de los movimientos de mercado de los dos \u00faltimos a\u00f1os, por lo que no va a recoger eventos de mercado de
gran impacto si \u00e9stos no se han producido en dicha ventana hist\u00f3rica.
\u2013La utilizaci\u00f3n del nivel de confianza del 99% no tiene en consideraci\u00f3n el orden de magnitud de las p\u00e9rdidas potenciales que
pueden ocurrir m\u00e1s all\u00e1 de dicho nivel. Para mitigar esta limitaci\u00f3n, adicionalmente se realizan diferentes ejercicios de
stress, descritos posteriormente.
Asimismo, y siguiendo las directrices establecidas por las autoridades espa\u00f1olas y europeas, BBVA incorpora m\u00e9tricas adicionales al
VaR con el fin de satisfacer los requerimientos regulatorios de Banco de Espa\u00f1a a efectos de c\u00e1lculo de recursos propios para la
cartera de negociaci\u00f3n. En concreto, las medidas incorporadas en el Grupo desde diciembre 2011 (que siguen las pautas establecidas
por Basilea 2.5) son:
\u2013VaR: En t\u00e9rminos regulatorios, a la carga por VaR se incorpora la carga por VaR stress, comput\u00e1ndose la suma de las dos
(VaR y VaR stress). Se cuantifica as\u00ed la p\u00e9rdida asociada a movimientos de los factores de riesgo inherentes a la operativa
de mercados (tipo de inter\u00e9s, tipo de cambio, renta variable, cr\u00e9dito, etc.). Tanto al VaR como al VaR stress, se les reescala
por un multiplicador regulatorio (entre 3 y 4) y por la ra\u00edz de diez para calcular la carga de capital.
\u2013Riesgo Espec\u00edfico: Incremental Risk Capital (\u201cIRC\u201d). Cuantificaci\u00f3n de los riesgos de impago y cambios de calificaci\u00f3n
crediticia de las posiciones de en bonos, y derivados de cr\u00e9dito y fondos de deuda con look-through diario o benchmark
significativo (correlaci\u00f3n > 90%) de la cartera de Trading. El capital de riesgo espec\u00edfico por IRC es una carga exclusiva para
aquellas \u00e1reas geogr\u00e1ficas con modelo interno aprobado (BBVA, S.A. y BBVA M\u00e9xico). La carga de capital se determina en
base a las p\u00e9rdidas asociadas (al 99,9% en un horizonte de 1 a\u00f1o bajo la hip\u00f3tesis de riesgo constante) consecuencia de la
migraci\u00f3n de rating y/o estado de incumplimiento o default por parte del emisor del activo. Adicionalmente, se incluye el
riesgo de precio en posiciones de soberanos por los conceptos se\u00f1alados.
\u2013Riesgo Espec\u00edfico: Titulizaciones, Carteras de correlaci\u00f3n y Fondos de inversi\u00f3n sin look-through. La carga de capital por las
titulizaciones y por la cartera de correlaci\u00f3n recogen las p\u00e9rdidas potenciales asociadas a la ocurrencia de un evento
crediticio en las exposiciones subyacentes. Ambas son calculadas por m\u00e9todo est\u00e1ndar. El per\u00edmetro de las carteras de
correlaci\u00f3n est\u00e1 referido a operativa de mercado del tipo FTD y/o tranchas de CDOs de mercado y s\u00f3lo para posiciones con
mercado activo y capacidad de cobertura. La carga de capital por Fondos recoge las p\u00e9rdidas asociadas a la volatilidad y
riesgo de cr\u00e9dito de las exposiciones subyacentes del fondo. Todas las cargas son calculadas por m\u00e9todo est\u00e1ndar.
Peri\u00f3dicamente, se realizan pruebas de validez de los modelos de medici\u00f3n de riesgos utilizados por el Grupo, que estiman la p\u00e9rdida
m\u00e1xima que se podr\u00eda haber producido en las posiciones consideradas con un nivel de probabilidad determinado (backtesting), as\u00ed
como mediciones de impacto de movimientos extremos de mercado en las posiciones de riesgo mantenidas (stress testing). Como
medida de control adicional se realizan pruebas de backtesting a nivel de mesas de contrataci\u00f3n con el objetivo de hacer un
seguimiento m\u00e1s espec\u00edfico de la validez de los modelos de medici\u00f3n.
El riesgo de mercado en el ejercicio 2022
El riesgo de mercado del Grupo en 2022 contin\u00faa en niveles bajos si se compara con otras magnitudes de riesgos gestionadas por
BBVA, especialmente las de riesgo de cr\u00e9dito. Ello es consecuencia de la naturaleza del negocio. Durante el ejercicio 2022, el VaR
promedio se ha situado en 27 millones de euros, niveles inferiores a los del ejercicio 2021, con un nivel m\u00e1ximo en el a\u00f1o alcanzado el
d\u00eda 12 de enero de 2022 que ascendi\u00f3 a 36 millones de euros. Seguidamente se muestra la evoluci\u00f3n del riesgo de mercado del Grupo
BBVA durante el ejercicio 2022, medido en t\u00e9rminos de VaR (sin alisado), con un nivel de confianza del 99% y horizonte de 1 d\u00eda
expresado en millones de euros.
Por tipolog\u00eda de riesgo de mercado asumido por la cartera de trading del Grupo, el principal factor de riesgo en el Grupo contin\u00faa
siendo el ligado a los tipos de inter\u00e9s, con un peso del 54% del total a finales del ejercicio 2022 (esta cifra incorpora el riesgo de
spread), disminuyendo ligeramente el peso relativo frente al cierre del ejercicio 2021 (57%). Por otro lado, el riesgo cambiario
representa un 22%, aumentando su proporci\u00f3n con respecto al cierre del ejercicio 2021 (16%), mientras que el de renta variable y el
de volatilidad y correlaci\u00f3n, aumentan, presentando un peso del 11% a cierre del ejercicio 2022 (contra un 9% a cierre del ejercicio
2021).
A 31 de diciembre de 2022, 2021 y 2020 el saldo de VaR fue de 29, 31 y 28 millones de euros, respectivamente, con el siguiente
desglose:
VaR por factores de riesgo (Millones de euros)
Riesgo de inter\u00e9s
y spread
Riesgo de
cambio
Riesgo renta
variable
Riesgo
volatilidad/
correlaci\u00f3n
Efecto
diversificaci\u00f3n (1)
Total
2022
VaR medio del ejercicio
33
8
3
7
(23)
27
VaR m\u00e1ximo del ejercicio
35
12
2
11
(24)
36
VaR m\u00ednimo del ejercicio
25
10
2
11
(28)
19
VaR al final del ejercicio
32
13
7
5
(28)
29
2021
VaR medio del ejercicio
33
10
2
11
(28)
29
VaR m\u00e1ximo del ejercicio
32
13
4
1
(14)
36
VaR m\u00ednimo del ejercicio
27
9
1
10
(25)
22
VaR al final del ejercicio
34
9
5
11
(29)
31
2020
VaR medio del ejercicio
29
12
4
11
(28)
27
VaR m\u00e1ximo del ejercicio
39
20
10
20
(14)
39
VaR m\u00ednimo del ejercicio
20
3
1
6
(39)
18
VaR al final del ejercicio
32
12
2
11
(29)
28
(1) El efecto diversificaci\u00f3n es la diferencia entre la suma de los factores de riesgo medidos individualmente y la cifra de VaR total que recoge la correlaci\u00f3n impl\u00edcita existente
entre todas las variables y escenarios usados en la medici\u00f3n.
Validaci\u00f3n del modelo
El modelo interno de riesgo de mercado es validado peri\u00f3dicamente a trav\u00e9s de la realizaci\u00f3n de pruebas de backtesting tanto en
BBVA, S.A como en Global Markets M\u00e9xico (en BBVA M\u00e9xico). El objetivo de las pruebas de backtesting es validar la calidad y
precisi\u00f3n del modelo interno que el Grupo BBVA utiliza para estimar la p\u00e9rdida m\u00e1xima diaria de una cartera, para el 99% de
confianza y un horizonte temporal de 250 d\u00edas, mediante la comparaci\u00f3n de los resultados del Grupo y las medidas de riesgo
generadas por el modelo. Dichas pruebas constataron que los modelos internos de riesgo de mercado de BBVA, S.A. y de Global
Markets M\u00e9xico son adecuados y precisos.
Durante los ejercicios 2022, 2021 y 2020 se elaboraron dos tipos de backtesting:
\u2013Backtesting \u201cHipot\u00e9tico\u201d: el VaR diario se compara con los resultados obtenidos sin tener en cuenta los resultados intrad\u00eda
ni los cambios en las posiciones de la cartera. De este modo, se valida la idoneidad de la m\u00e9trica de riesgo de mercado para
la posici\u00f3n a fin de d\u00eda.
\u2013Backtesting \u201cReal\u201d: el VaR diario se compara con los resultados totales, incluyendo la operativa intrad\u00eda, pero descontando
las posibles franquicias o comisiones generadas. Este tipo de backtesting incorpora el riesgo intrad\u00eda en las carteras.
Adem\u00e1s, cada uno de estos dos tipos de backtesting se realiz\u00f3 a nivel de factor de riesgo o tipo de negocio, pudiendo as\u00ed profundizar
m\u00e1s en la comparativa de resultados versus medidas de riesgo.
En el periodo comprendido entre finales del ejercicio 2021 y finales del ejercicio 2022, se realiz\u00f3 el backtesting del modelo interno de
c\u00e1lculo de VaR, comparando los resultados diarios obtenidos con el nivel de riesgo estimado diario por el modelo de c\u00e1lculo de VaR.
En dicho ejercicio no se produjo ninguna excepci\u00f3n negativa en BBVA, S.A. Por su parte en BBVA M\u00e9xico, se produjeron dos
excepciones negativas.
Al final del ejercicio, el contraste mostr\u00f3 un correcto funcionamiento del mismo, manteni\u00e9ndose dentro de la zona \u201cverde\u201d (0-4
excepciones), que permite aceptar el modelo, tal y como ha venido ocurriendo cada ejercicio desde que se aprob\u00f3 el modelo interno
de riesgo de mercado en el Grupo.
An\u00e1lisis de Stress Test
En las carteras de trading del Grupo BBVA se realizan diferentes ejercicios de stress test. Por un lado se emplean escenarios
hist\u00f3ricos, tanto globales como locales, que replican el comportamiento de alg\u00fan evento extremo pasado, como pudo ser la quiebra
de Lehman Brothers o la crisis del \u201cTequilazo\u201d. Estos ejercicios de stress se complementan con escenarios simulados, donde lo que
se busca es generar escenarios que impactan significativamente a las diferentes carteras, pero sin anclarse en ning\u00fan escenario
hist\u00f3rico concreto. Por \u00faltimo, para determinadas carteras o posiciones, tambi\u00e9n se elaboran ejercicios de stress test fijos que
impactan de manera significativa las variables de mercado que afectan a esas posiciones.
Escenarios hist\u00f3ricos
El escenario de stress hist\u00f3rico de referencia en el Grupo BBVA es el de Lehman Brothers, cuya abrupta quiebra en septiembre de
2008 deriv\u00f3 en un impacto significativo en el comportamiento de los mercados financieros a nivel global. Podr\u00edamos destacar como
los efectos m\u00e1s relevantes de este escenario hist\u00f3rico los siguientes:
\u2013Shock de cr\u00e9dito: reflejado principalmente en el aumento de los spreads de cr\u00e9dito, y downgrades en calificaciones
crediticias.
\u2013Aumento en la volatilidad de gran parte de los mercados financieros dando lugar a mucha variaci\u00f3n en los precios de los
diferentes activos (divisas, equity, deuda).
\u2013Shock de liquidez en los sistemas financieros, cuyo reflejo fue un fuerte movimiento de las curvas interbancarias,
especialmente en los tramos m\u00e1s cortos de las curvas del euro y del d\u00f3lar.
Escenarios simulados
A diferencia de los escenarios hist\u00f3ricos, que son fijos y que, por tanto, no se adaptan a la composici\u00f3n de los riesgos de la cartera en
cada momento, el escenario utilizado para realizar los ejercicios de stress econ\u00f3mico se sustenta bajo metodolog\u00eda de Resampling.
Esta metodolog\u00eda se basa en la utilizaci\u00f3n de escenarios din\u00e1micos que se recalculan peri\u00f3dicamente en funci\u00f3n de cu\u00e1les son los
principales riesgos mantenidos en las carteras de trading. Sobre una ventana de datos lo suficientemente amplia como para recoger
diferentes periodos de stress (se toman datos desde el 1 de enero de 2008 hasta la fecha de evaluaci\u00f3n), se realiza un ejercicio de
simulaci\u00f3n mediante el remuestreo de las observaciones hist\u00f3ricas, generando una distribuci\u00f3n de p\u00e9rdidas y ganancias que permita
analizar eventos m\u00e1s extremos de los ocurridos en la ventana hist\u00f3rica seleccionada. La ventaja de esta metodolog\u00eda es que el
per\u00edodo de stress no est\u00e1 preestablecido, sino que es funci\u00f3n de la cartera mantenida en cada momento, y que al hacer un elevado
n\u00famero de simulaciones (10.000 simulaciones) permite realizar an\u00e1lisis de expected shortfall con mayor riqueza de informaci\u00f3n que
la disponible en los escenarios incluidos en el c\u00e1lculo de VaR.
Las principales caracter\u00edsticas de esta metodolog\u00eda son las siguientes: a) las simulaciones generadas respetan la estructura de
correlaci\u00f3n de los datos, b) flexibilidad en la inclusi\u00f3n de nuevos factores de riesgo y c) permite introducir mucha variabilidad en las
simulaciones (deseable para considerar eventos extremos).
A continuaci\u00f3n se muestra el impacto esperado del stress test en la cuenta de p\u00e9rdidas y ganancias consolidada bajo una simulaci\u00f3n
multivariante de los factores de riesgo que componen el portfolio (impacto esperado calculado con un nivel de confianza del 97,5% a
20 d\u00edas) a 31 de diciembre de 2022:
Impacto esperado del stress test (Millones de euros)
0
Europa
M\u00e9xico
Per\u00fa
Venezuela
Argentina
Colombia
Turqu\u00eda
Impacto esperado
(86)
(42)
(7)
\u2014
(8)
(4)
(22)
7.4.2Compensaci\u00f3n de instrumentos financieros
Los activos y pasivos financieros pueden ser objeto de compensaci\u00f3n, es decir, de presentaci\u00f3n por un importe neto en el balance
consolidado, s\u00f3lo cuando las entidades del Grupo cumplen con lo establecido en la NIC 32, y tienen, por tanto, el derecho, exigible
legalmente, de compensar los importes reconocidos, y la intenci\u00f3n de liquidar la cantidad neta o de realizar el activo y proceder al
pago del pasivo de forma simult\u00e1nea.
Adicionalmente, el Grupo tiene activos y pasivos no compensados en el balance consolidado para los que existen acuerdos marco de
compensaci\u00f3n Master Netting Agreement, pero para los que no existe ni la intenci\u00f3n ni el derecho de liquidar por netos. Los tipos de
eventos m\u00e1s comunes que desencadenan la compensaci\u00f3n de obligaciones rec\u00edprocas son la quiebra de la entidad, la aceleraci\u00f3n del
endeudamiento, la falta de pago, la reestructuraci\u00f3n o la disoluci\u00f3n de la entidad.
En el actual contexto de mercado, los derivados se contratan bajo diferentes contratos marco siendo los m\u00e1s generalizados los
desarrollados por la International Swaps and Derivatives Association (ISDA) y para el mercado espa\u00f1ol el Contrato Marco de
Operaciones Financieras (CMOF). La pr\u00e1ctica totalidad de las operaciones de derivados en cartera han sido celebrados bajo estos
contratos marco, incluyendo en ellos las cl\u00e1usulas de neteo referidas en el punto anterior como Master Netting Agreement,
reduciendo considerablemente la exposici\u00f3n crediticia en estos instrumentos. Adicionalmente, en los contratos firmados con las
contrapartidas profesionales, se incluyen los anexos de acuerdos de colateral denominados Credit Support Annex (CSA) en ISDA y
Anexo III en CMOF, minimizando de esta forma la exposici\u00f3n ante una eventual quiebra de la contrapartida.
Asimismo, el Grupo posee un alto volumen de adquisiciones y cesiones temporales de activos transaccionados a trav\u00e9s de c\u00e1maras
de compensaci\u00f3n que articulan mecanismos de reducci\u00f3n de riesgo de contrapartida, as\u00ed como a trav\u00e9s de la firma de diversos
contratos marco en la operativa bilateral, siendo el m\u00e1s utilizado el contrato GMRA (Global Master Repurchase Agreement), que
publica el International Capital Market Association (ICMA), al que suelen incorporarse las cl\u00e1usulas relativas al intercambio de
colateral dentro del propio cuerpo del contrato marco.
A continuaci\u00f3n se presenta a 31 de diciembre de 2022, 2021 y 2020 un resumen del efecto de la compensaci\u00f3n (v\u00eda neteo y colateral)
para la operativa de derivados financieros y operaciones de financiaci\u00f3n de valores:
Efecto de la compensaci\u00f3n para la operativa de derivados financieros y operaciones de financiaci\u00f3n (Millones de euros)
Importe bruto no
compensado en balance (D)
Notas
Importe
bruto
reconocido
(A)
Importe
compensado
en balance
(B)
Importe
neto
presentado
en balance
(C=A-B)
Importe
relativo a
instrumentos
financieros
reconocidos
Colaterales
(Incluyendo
efectivo)
Importe neto
(E=C-D)
Diciembre 2022
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
52.354
10.554
41.800
29.251
11.461
1.088
Adquisici\u00f3n temporal de activos y
similares
47.111
\u2014
47.111
47.217
970
(1.077)
Total activo
99.465
10.554
88.911
76.468
12.431
11
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
51.767
10.554
41.213
31.063
9.498
651
Cesi\u00f3n temporal de activos y similares
54.382
\u2014
54.382
53.439
586
357
Total pasivo
106.149
10.554
95.594
84.502
10.084
1.008
Diciembre 2021
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
36.349
3.611
32.737
22.524
8.758
1.456
Adquisici\u00f3n temporal de activos y
similares
54.296
\u2014
54.296
55.010
2.213
(2.927)
Total activo
90.645
3.611
87.034
77.534
10.971
(1.471)
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
37.916
3.584
34.331
22.524
10.119
1.688
Cesi\u00f3n temporal de activos y similares
54.159
\u2014
54.159
58.174
679
(4.694)
Total pasivo
92.074
3.584
88.490
80.698
10.798
(3.006)
Diciembre 2020
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
47.862
5.688
42.173
33.842
9.018
(686)
Adquisici\u00f3n temporal de activos y
similares
32.121
\u2014
32.121
32.762
161
(802)
Total activo
79.983
5.688
74.294
66.604
9.178
(1.488)
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
49.720
5.722
43.998
33.842
9.435
721
Cesi\u00f3n temporal de activos y similares
41.571
\u2014
41.571
42.298
1.619
(2.346)
Total pasivo
91.291
5.722
85.569
76.140
11.054
(1.624)
El importe relativo a instrumentos financieros reconocidos recoge, en los derivados, el efecto en caso de compensaci\u00f3n con las
contrapartidas con las que el Grupo mantiene acuerdos de neteo, mientras que en las adquisiciones y cesiones temporales recoge el
valor de mercado de los colaterales asociados a las operaciones.
", "dimensions": { "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8yMjkvZnJhZzpmZTBhNjk0YTFmYTA0MGZlYTRlZDcxMDg1ZDA0OTM1MC90ZXh0cmVnaW9uOmZlMGE2OTRhMWZhMDQwZmVhNGVkNzEwODVkMDQ5MzUwXzQyMzMxMTk3NjcyMzI0_e584342f-d430-4e63-976b-edd245711bb8": { "value": "
7.4.2Compensaci\u00f3n de instrumentos financieros
Los activos y pasivos financieros pueden ser objeto de compensaci\u00f3n, es decir, de presentaci\u00f3n por un importe neto en el balance
consolidado, s\u00f3lo cuando las entidades del Grupo cumplen con lo establecido en la NIC 32, y tienen, por tanto, el derecho, exigible
legalmente, de compensar los importes reconocidos, y la intenci\u00f3n de liquidar la cantidad neta o de realizar el activo y proceder al
pago del pasivo de forma simult\u00e1nea.
Adicionalmente, el Grupo tiene activos y pasivos no compensados en el balance consolidado para los que existen acuerdos marco de
compensaci\u00f3n Master Netting Agreement, pero para los que no existe ni la intenci\u00f3n ni el derecho de liquidar por netos. Los tipos de
eventos m\u00e1s comunes que desencadenan la compensaci\u00f3n de obligaciones rec\u00edprocas son la quiebra de la entidad, la aceleraci\u00f3n del
endeudamiento, la falta de pago, la reestructuraci\u00f3n o la disoluci\u00f3n de la entidad.
En el actual contexto de mercado, los derivados se contratan bajo diferentes contratos marco siendo los m\u00e1s generalizados los
desarrollados por la International Swaps and Derivatives Association (ISDA) y para el mercado espa\u00f1ol el Contrato Marco de
Operaciones Financieras (CMOF). La pr\u00e1ctica totalidad de las operaciones de derivados en cartera han sido celebrados bajo estos
contratos marco, incluyendo en ellos las cl\u00e1usulas de neteo referidas en el punto anterior como Master Netting Agreement,
reduciendo considerablemente la exposici\u00f3n crediticia en estos instrumentos. Adicionalmente, en los contratos firmados con las
contrapartidas profesionales, se incluyen los anexos de acuerdos de colateral denominados Credit Support Annex (CSA) en ISDA y
Anexo III en CMOF, minimizando de esta forma la exposici\u00f3n ante una eventual quiebra de la contrapartida.
Asimismo, el Grupo posee un alto volumen de adquisiciones y cesiones temporales de activos transaccionados a trav\u00e9s de c\u00e1maras
de compensaci\u00f3n que articulan mecanismos de reducci\u00f3n de riesgo de contrapartida, as\u00ed como a trav\u00e9s de la firma de diversos
contratos marco en la operativa bilateral, siendo el m\u00e1s utilizado el contrato GMRA (Global Master Repurchase Agreement), que
publica el International Capital Market Association (ICMA), al que suelen incorporarse las cl\u00e1usulas relativas al intercambio de
colateral dentro del propio cuerpo del contrato marco.
A continuaci\u00f3n se presenta a 31 de diciembre de 2022, 2021 y 2020 un resumen del efecto de la compensaci\u00f3n (v\u00eda neteo y colateral)
para la operativa de derivados financieros y operaciones de financiaci\u00f3n de valores:
Efecto de la compensaci\u00f3n para la operativa de derivados financieros y operaciones de financiaci\u00f3n (Millones de euros)
Importe bruto no
compensado en balance (D)
Notas
Importe
bruto
reconocido
(A)
Importe
compensado
en balance
(B)
Importe
neto
presentado
en balance
(C=A-B)
Importe
relativo a
instrumentos
financieros
reconocidos
Colaterales
(Incluyendo
efectivo)
Importe neto
(E=C-D)
Diciembre 2022
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
52.354
10.554
41.800
29.251
11.461
1.088
Adquisici\u00f3n temporal de activos y
similares
47.111
\u2014
47.111
47.217
970
(1.077)
Total activo
99.465
10.554
88.911
76.468
12.431
11
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
51.767
10.554
41.213
31.063
9.498
651
Cesi\u00f3n temporal de activos y similares
54.382
\u2014
54.382
53.439
586
357
Total pasivo
106.149
10.554
95.594
84.502
10.084
1.008
Diciembre 2021
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
36.349
3.611
32.737
22.524
8.758
1.456
Adquisici\u00f3n temporal de activos y
similares
54.296
\u2014
54.296
55.010
2.213
(2.927)
Total activo
90.645
3.611
87.034
77.534
10.971
(1.471)
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
37.916
3.584
34.331
22.524
10.119
1.688
Cesi\u00f3n temporal de activos y similares
54.159
\u2014
54.159
58.174
679
(4.694)
Total pasivo
92.074
3.584
88.490
80.698
10.798
(3.006)
Diciembre 2020
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
47.862
5.688
42.173
33.842
9.018
(686)
Adquisici\u00f3n temporal de activos y
similares
32.121
\u2014
32.121
32.762
161
(802)
Total activo
79.983
5.688
74.294
66.604
9.178
(1.488)
Derivados de negociaci\u00f3n y de
cobertura
10 / 15
49.720
5.722
43.998
33.842
9.435
721
Cesi\u00f3n temporal de activos y similares
41.571
\u2014
41.571
42.298
1.619
(2.346)
Total pasivo
91.291
5.722
85.569
76.140
11.054
(1.624)
El importe relativo a instrumentos financieros reconocidos recoge, en los derivados, el efecto en caso de compensaci\u00f3n con las
contrapartidas con las que el Grupo mantiene acuerdos de neteo, mientras que en las adquisiciones y cesiones temporales recoge el
valor de mercado de los colaterales asociados a las operaciones.
El Banco no mantiene instrumentos financieros derivados vinculados con las emisiones de t\u00edtulos hipotecarios, tal y como se definen
en el Real Decreto antes mencionado.
", "dimensions": { "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8yMzIvZnJhZzpmYWM0MzhlOGViN2M0NjgyOTA4ZWE4N2VhMmQ2NjIwNi90ZXh0cmVnaW9uOmZhYzQzOGU4ZWI3YzQ2ODI5MDhlYTg3ZWEyZDY2MjA2XzQyMzMxMTk3NjY5Njc0_5bc3a0f6-fd33-4308-941c-fda5efdcdbca": { "value": "Riesgo de liquidez y financiaci\u00f3n
El riesgo de liquidez y financiaci\u00f3n se define como la imposibilidad de una entidad financiera para atender sus compromisos de pago
por falta de fondos o que, para atenderlos, tenga que recurrir a la obtenci\u00f3n de fondos en condiciones especialmente gravosas.
7.5.1Estrategia y planificaci\u00f3n de la liquidez y financiaci\u00f3n
El Grupo BBVA es una instituci\u00f3n financiera multinacional que focaliza su negocio principalmente en actividades de banca minorista y
comercial. Al modelo de negocio minorista, que conforma su n\u00facleo de negocio, se le suma la banca corporativa y de inversi\u00f3n,
localizada en el \u00e1rea global de C&IB (Corporate & Investment Banking).
La Gesti\u00f3n del Riesgo de Liquidez y Financiaci\u00f3n est\u00e1 dirigida a mantener una s\u00f3lida estructura de balance que permita la
sostenibilidad del modelo de negocio. La estrategia de Liquidez y Financiaci\u00f3n del Grupo est\u00e1 basada en los siguientes pilares:
\u2013Principio de autosuficiencia financiera de filiales, por lo que cada una de las Unidades de Gesti\u00f3n de Liquidez (UGL) debe
cubrir de manera independiente sus necesidades de financiaci\u00f3n en los mercados donde opera, evitando eventuales
contagios por crisis que podr\u00edan afectar a una o varias UGL del Grupo.
\u2013Recursos estables de clientes como principal fuente de financiaci\u00f3n en todas las UGL, de acuerdo al modelo de negocio del
Grupo.
\u2013Diversificaci\u00f3n de las fuentes de financiaci\u00f3n mayorista, en plazo, mercado, instrumentos, contrapartidas y divisas, con
acceso recurrente al mercado.
\u2013Cumplimiento de los requerimientos regulatorios, asegurando la disponibilidad de amplios buffers de liquidez de alta
calidad, as\u00ed como de instrumentos suficientes requeridos por la regulaci\u00f3n con capacidad de absorber p\u00e9rdidas.
\u2013Cumplimiento de las m\u00e9tricas internas de Riesgo de Liquidez y Financiaci\u00f3n, cumpliendo en todo momento con el nivel de
Apetito al Riesgo establecido para cada UGL.
La Gesti\u00f3n del Riesgo de Liquidez y Financiaci\u00f3n tiene como objetivo, en el corto plazo, evitar que una entidad tenga dificultades para
atender a sus compromisos de pago en el tiempo y forma previstos o que, para atenderlos, tenga que recurrir a la obtenci\u00f3n de
fondos en condiciones gravosas que deterioren la imagen o reputaci\u00f3n de la entidad.
En el medio plazo, tiene como objetivo velar por la idoneidad de la estructura financiera del Grupo y su evoluci\u00f3n, en el marco de la
situaci\u00f3n econ\u00f3mica, de los mercados y de los cambios regulatorios.
Esta gesti\u00f3n de la financiaci\u00f3n estructural y de la liquidez, est\u00e1 fundamentada en el principio de la autosuficiencia financiera de las
entidades que lo integran, enfoque que contribuye a prevenir y limitar el riesgo de liquidez al reducir la vulnerabilidad del Grupo en
periodos de riesgo elevado. En virtud de esta gesti\u00f3n descentralizada, se evitan eventuales contagios por crisis que podr\u00edan afectar
s\u00f3lo a una o varias de las entidades del Grupo, que con actuaci\u00f3n independiente deben cubrir sus necesidades de liquidez en los
mercados donde operan.
Dentro de esta estrategia, el Grupo BBVA se estructura en torno a ocho UGL formadas por la matriz y las filiales bancarias en cada
\u00e1rea geogr\u00e1fica, m\u00e1s las sucursales que dependan de ellas.
Adicionalmente, la pol\u00edtica en materia de Gesti\u00f3n del Riesgo de Liquidez y Financiaci\u00f3n se fundamenta en la robustez de su modelo y
en la planificaci\u00f3n e integraci\u00f3n de la gesti\u00f3n del riesgo en el proceso presupuestario de cada UGL, acorde al apetito al riesgo de
liquidez y financiaci\u00f3n que decide asumir en el desarrollo de su negocio.
La planificaci\u00f3n de la liquidez y financiaci\u00f3n se enmarca dentro de los procesos estrat\u00e9gicos de planificaci\u00f3n presupuestaria y de
negocio de la entidad. Tiene como objetivo permitir el crecimiento recurrente del negocio bancario en condiciones adecuadas de
plazo y coste dentro de los niveles de tolerancia al riesgo establecidos, a trav\u00e9s de una amplia gama de instrumentos que permitan
diversificar las fuentes de financiaci\u00f3n, y manteniendo un amplio volumen de activos l\u00edquidos de alta calidad disponibles.
7.5.2Gobernanza y monitorizaci\u00f3n
La responsabilidad de la gesti\u00f3n de la Liquidez y Financiaci\u00f3n, en el desarrollo de la normal actividad del negocio corresponde al \u00e1rea
de Finanzas como primera l\u00ednea de defensa en la gesti\u00f3n de los riesgos inherentes a dicha actividad, de acuerdo a los principios
establecidos por la EBA y en l\u00ednea con los est\u00e1ndares, pol\u00edticas, procedimientos y controles m\u00e1s exigentes, en el Marco fijado por los
\u00f3rganos sociales. Finanzas, a trav\u00e9s del \u00e1rea de Gesti\u00f3n de Balance, planifica y ejecuta la financiaci\u00f3n del Gap estructural de largo
plazo de cada una de las UGL y propone al Comit\u00e9 de Activos y Pasivos (COAP) las actuaciones a adoptar en esta materia, acorde con
las pol\u00edticas establecidas por la Comisi\u00f3n de Riesgos y Cumplimiento y de acuerdo con las m\u00e9tricas del Marco de Apetito de Riesgo
aprobado por el Consejo de Administraci\u00f3n.
Finanzas es tambi\u00e9n responsable de la elaboraci\u00f3n del reporting regulatorio de la liquidez, coordinando con las \u00e1reas responsables en
cada UGL los procesos necesarios para cubrir los requerimientos que se generen a nivel corporativo y regulatorio, asegur\u00e1ndose de la
integridad de la informaci\u00f3n proporcionada.
GRM es responsable de garantizar que el riesgo de liquidez y financiaci\u00f3n en el Grupo se gestiona seg\u00fan el marco establecido por los
\u00f3rganos corporativos. Tambi\u00e9n se ocupa de la identificaci\u00f3n, medici\u00f3n, seguimiento y control de dichos riesgos y su comunicaci\u00f3n a
los \u00f3rganos pertinentes corporativos. Para llevar a cabo esta labor de manera adecuada, la funci\u00f3n de Riesgos en el Grupo se ha
configurado como una funci\u00f3n \u00fanica, global e independiente de las \u00e1reas de gesti\u00f3n.
Adicionalmente, el Grupo tiene, en su segunda l\u00ednea de defensa una unidad de Control Interno de Riesgos, que realiza una revisi\u00f3n
independiente del control del Riesgo de Liquidez y Financiaci\u00f3n, y una Unidad de Control Interno Financiero que revisa el dise\u00f1o y
efectividad de los controles operativos sobre la gesti\u00f3n y reporting de la liquidez.
Como tercera l\u00ednea de defensa del modelo de control interno del Grupo, Auditor\u00eda Interna se encarga de revisar controles y procesos
espec\u00edficos conforme a un plan de trabajo que se traza anualmente.
Los objetivos fundamentales del Grupo en t\u00e9rminos de riesgo de liquidez y financiaci\u00f3n se determinan a trav\u00e9s del Liquidity Coverage
Ratio (LCR) y el Loan to Stable Customer Deposits (LtSCD).
La m\u00e9trica regulatoria LCR tiene como objeto garantizar la resistencia de las entidades ante un escenario de tensi\u00f3n de liquidez
dentro de un horizonte temporal de 30 d\u00edas. BBVA, dentro de su marco de apetito al riesgo y de sus esquemas de l\u00edmites y alertas, ha
incluido un nivel de exigencia de cumplimiento del LCR tanto para el conjunto del Grupo como para cada una de las UGL
individualmente. Los niveles internos exigidos est\u00e1n orientados a cumplir con eficiencia el requerimiento regulatorio, en un nivel
holgado por encima del 100%.
La ratio LtSCD mide la relaci\u00f3n entre la inversi\u00f3n crediticia neta y los recursos estables de clientes. Esta m\u00e9trica tiene como objetivo
preservar una estructura de financiaci\u00f3n estable en el medio plazo de cada una de las UGL que componen el Grupo BBVA, teniendo
en cuenta que el mantenimiento de un adecuado volumen de recursos estables de clientes es clave para alcanzar un perfil s\u00f3lido de
liquidez. En las \u00e1reas geogr\u00e1ficas con balances en doble divisa se controla tambi\u00e9n el indicador por divisa, para gestionar los
desequilibrios que pudieran surgir.
Se consideran recursos estables de clientes la financiaci\u00f3n captada y gestionada por las UGL entre sus clientes objetivo. Estos
recursos se caracterizan por su baja sensibilidad a alteraciones en los mercados y por su comportamiento poco vol\u00e1til en saldos
agregados por operativa, como consecuencia de la vinculaci\u00f3n del cliente con la unidad. Los recursos estables se obtienen aplicando
a cada segmento de cliente identificado un haircut determinado por el an\u00e1lisis de estabilidad de saldos a trav\u00e9s del que se valoran
distintos aspectos (concentraci\u00f3n, estabilidad, grado de vinculaci\u00f3n). La base principal de los recursos estables est\u00e1 formada por
dep\u00f3sitos de clientes minoristas y empresas.
Con la finalidad de establecer los niveles objetivo (m\u00e1ximos) de LtSCD en cada UGL y proporcionar una referencia de estructura de
financiaci\u00f3n \u00f3ptima en t\u00e9rminos de apetito de riesgo, la unidad corporativa de Riesgos Estructurales de GRM identifica y eval\u00faa las
variables econ\u00f3micas y financieras que condicionan las estructuras de financiaci\u00f3n en las diferentes \u00e1reas geogr\u00e1ficas.
Adicionalmente, la gesti\u00f3n del riesgo de liquidez y financiaci\u00f3n persigue lograr una correcta diversificaci\u00f3n de la estructura de
financiaci\u00f3n. Con el objetivo de evitar una elevada dependencia de la financiaci\u00f3n a corto plazo, se establece un nivel m\u00e1ximo de
captaci\u00f3n de financiaci\u00f3n a corto plazo, que comprende tanto financiaci\u00f3n mayorista como la proporci\u00f3n menos estable de los
recursos de clientes. En relaci\u00f3n a la financiaci\u00f3n a largo plazo, el perfil de vencimientos no presenta concentraciones significativas lo
que permite adecuar el calendario del plan de emisiones previsto a las mejores condiciones financieras de los mercados. Por \u00faltimo,
el riesgo de concentraci\u00f3n es monitorizado a nivel UGL, con el objetivo de asegurar una correcta diversificaci\u00f3n tanto por
contrapartida, como por tipolog\u00eda de instrumento.
Uno de los ejes fundamentales dentro del marco general de gesti\u00f3n de riesgo de liquidez y financiaci\u00f3n consiste en mantener un
buffer de liquidez constituido por activos l\u00edquidos de alta calidad libres de cargas, que se puedan vender u ofrecer como garant\u00eda para
obtener financiaci\u00f3n, tanto en condiciones normales de mercado, como en situaciones de estr\u00e9s.
Finanzas es la unidad encargada de la gesti\u00f3n del colateral y determinaci\u00f3n del buffer de liquidez dentro del Grupo BBVA. De acuerdo
con el principio de autosuficiencia financiera de las filiales del Grupo, cada UGL es responsable de mantener un colch\u00f3n de activos
l\u00edquidos que cumpla con los requerimientos regulatorios que sean de aplicaci\u00f3n en cada legislaci\u00f3n. Adem\u00e1s, el buffer de liquidez de
cada UGL debe estar en consonancia con la tolerancia al riesgo de liquidez y financiaci\u00f3n, y con los l\u00edmites de gesti\u00f3n fijados y
aprobados en cada caso que se derivan del mismo.
En este sentido se promueve la resistencia a corto plazo del perfil de riesgo de liquidez, garantizando que cada UGL disponga de
colateral suficiente para hacer frente al riesgo de cierre de los mercados mayoristas. La capacidad b\u00e1sica es la m\u00e9trica interna de
gesti\u00f3n y control del riesgo de liquidez a corto plazo, que se define como la relaci\u00f3n entre los activos expl\u00edcitos disponibles y los
vencimientos de pasivos mayoristas y recursos vol\u00e1tiles, a diferentes plazos temporales hasta el a\u00f1o, con especial relevancia a los de
30 y 90 d\u00edas, con el objetivo de preservar el periodo de supervivencia por encima de 3 meses con el buffer disponible, sin considerar
los inflows del balance.
Como elemento fundamental del esquema de seguimiento del riesgo de liquidez y financiaci\u00f3n se realizan los an\u00e1lisis de estr\u00e9s. Estos
an\u00e1lisis permiten anticipar desviaciones respecto a los objetivos de liquidez y l\u00edmites establecidos en el apetito, y establecer rangos
de tolerancia en diferentes ejes de gesti\u00f3n. Asimismo, desempe\u00f1an un papel primordial en el dise\u00f1o del Plan de Contingencia de
Liquidez y en la definici\u00f3n de medidas de actuaci\u00f3n concretas para reconducir el perfil de riesgo.
Para cada uno de los escenarios se contrasta si BBVA dispone de stock suficiente de activos l\u00edquidos que garantice la capacidad de
hacer frente a los compromisos/salidas de liquidez en los distintos per\u00edodos analizados. En el desarrollo del an\u00e1lisis se consideran
cuatro escenarios: uno central y tres de crisis (crisis sist\u00e9mica; crisis interna sobrevenida, con sensible disminuci\u00f3n del rating y/o que
afecte a la capacidad de emitir en mercados mayoristas y a la percepci\u00f3n del riesgo de negocio por parte de los intermediarios
bancarios y los clientes del BBVA; y escenario mixto, como una combinaci\u00f3n de los dos anteriores). Cada escenario considera los
siguientes factores: la liquidez existente en el mercado, el comportamiento de los clientes y las fuentes de financiaci\u00f3n, el impacto de
las bajadas de rating, los valores de mercado de activos l\u00edquidos y colaterales y la interacci\u00f3n entre los requerimientos de liquidez y la
evoluci\u00f3n de la calidad crediticia de BBVA.
De los ejercicios de estr\u00e9s llevados a cabo peri\u00f3dicamente por GRM se desprende que BBVA mantiene un colch\u00f3n de activos l\u00edquidos
suficiente para hacer frente a las salidas de liquidez estimadas en un escenario resultante de la combinaci\u00f3n de una crisis sist\u00e9mica y
una crisis interna, durante un periodo en general por encima de 3 meses para las distintas UGL (incluida Turqu\u00eda que ha cerrado el
a\u00f1o por encima de 6 meses), incluyendo en el escenario una sensible disminuci\u00f3n del rating del BBVA de hasta tres escalones
(\u201cnotches\u201d).
Junto con los resultados de los ejercicios de estr\u00e9s y las m\u00e9tricas de riesgo, los indicadores adelantados (Early Warning Indicators)
desempe\u00f1an un papel importante dentro del modelo corporativo y tambi\u00e9n del Plan de Contingencia de Liquidez. Se trata
principalmente de indicadores de estructura de financiaci\u00f3n, en relaci\u00f3n al asset encumbrance, concentraci\u00f3n de contrapartidas,
salidas de dep\u00f3sitos de clientes, uso inesperado de l\u00edneas de cr\u00e9dito, y de mercado, que ayudan a anticipar los posibles riesgos y a
captar las expectativas del mercado.
Finanzas es la unidad encargada de la elaboraci\u00f3n, seguimiento, ejecuci\u00f3n y actualizaci\u00f3n del plan de liquidez y financiaci\u00f3n y de la
estrategia de acceso a mercado en \u00e9l contenida, con el objetivo de garantizar y favorecer la estabilidad y diversificaci\u00f3n de las fuentes
de financiaci\u00f3n mayorista.
Con objeto de implementar y establecer una gesti\u00f3n con car\u00e1cter anticipatorio, anualmente se establecen l\u00edmites sobre las m\u00e9tricas
de gesti\u00f3n principales que forman parte del proceso presupuestario del plan de liquidez y financiaci\u00f3n. En este sentido, este marco de
l\u00edmites contribuye a la planificaci\u00f3n del comportamiento evolutivo conjunto de:
\u2013La inversi\u00f3n crediticia, considerando la tipolog\u00eda de activos y su grado de liquidez, as\u00ed como su validez como garant\u00eda en
financiaciones colateralizadas.
\u2013Los recursos estables de clientes, a partir de la aplicaci\u00f3n de metodolog\u00eda para establecer qu\u00e9 segmentos y saldos de
clientes tienen la consideraci\u00f3n de recursos estables o vol\u00e1tiles sobre la base del principio de sostenibilidad y recurrencia
de estos fondos.
\u2013La proyecci\u00f3n del Gap de Cr\u00e9dito, con el objetivo de requerir un grado de autofinanciaci\u00f3n que queda definido en t\u00e9rminos
de la diferencia entre la inversi\u00f3n crediticia y los recursos estables de clientes.
\u2013Incorporando planificaci\u00f3n de carteras de t\u00edtulos en el banking book, que incluyen tanto t\u00edtulos de renta fija como renta
variable, y clasificadas como activos financieros a valor razonable con cambios en otro resultado global y a coste
amortizado; y adicionalmente sobre las carteras de negociaci\u00f3n.
\u2013La proyecci\u00f3n del Gap estructural, como resultado de evaluar las necesidades de financiaci\u00f3n tanto generadas a partir del
Gap de Cr\u00e9dito como por la cartera de t\u00edtulos en el banking book, junto con el resto de necesidades de financiaci\u00f3n
mayorista en balance, excluyendo las carteras de negociaci\u00f3n. Por tanto, este Gap ha de ser financiado con recursos de
clientes que no sean considerados estables o en los mercados mayoristas.
Como consecuencia de estas necesidades de financiaci\u00f3n, el Grupo BBVA planifica en cada UGL la estructura de financiaci\u00f3n
mayorista objetivo acorde a la tolerancia fijada.
Por lo tanto, una vez identificado el Gap estructural y, por ende, la apelaci\u00f3n necesaria a los mercados mayoristas, se establece el
importe y la composici\u00f3n de la financiaci\u00f3n estructural mayorista en los ejercicios siguientes, con la finalidad de mantener un mix de
financiaci\u00f3n diversificado garantizando que no exista una elevada dependencia de la financiaci\u00f3n a corto plazo (financiaci\u00f3n
mayorista de corto plazo m\u00e1s los recursos vol\u00e1tiles de clientes).
En la pr\u00e1ctica, la ejecuci\u00f3n de los principios de planificaci\u00f3n y de autofinanciaci\u00f3n en las distintas UGL fomenta que la principal fuente
de financiaci\u00f3n del Grupo sean los dep\u00f3sitos de la clientela, que consisten principalmente en cuentas a la vista, cuentas de ahorro y
dep\u00f3sitos a plazo.
Como fuentes de financiaci\u00f3n, complementan a los dep\u00f3sitos de la clientela, el acceso al mercado interbancario y a los mercados de
capitales dom\u00e9stico e internacional para adecuar los requerimientos de liquidez adicionales, implementando programas nacionales e
internacionales para la emisi\u00f3n de papel comercial y de deuda a medio y largo plazo.
Todo este proceso de an\u00e1lisis y evaluaci\u00f3n de la situaci\u00f3n de liquidez y financiaci\u00f3n y de los riesgos inherentes, se realiza de forma
continua en el Grupo BBVA y participan todas las \u00e1reas del Grupo involucradas en la gesti\u00f3n del riesgo de liquidez y financiaci\u00f3n.
Dicho proceso, que se desarrolla tanto en el \u00e1mbito local como en el \u00e1mbito corporativo, est\u00e1 incorporado en el desarrollo de toma de
decisiones de la gesti\u00f3n de la liquidez y financiaci\u00f3n y existe una integraci\u00f3n entre la estrategia y la fijaci\u00f3n de Apetito de Riesgo con el
proceso de planificaci\u00f3n, el plan de financiaci\u00f3n y el esquema de l\u00edmites.
7.5.3Evoluci\u00f3n de la liquidez y financiaci\u00f3n
El Grupo BBVA mantiene una estructura de financiaci\u00f3n robusta y diversificada con car\u00e1cter claramente minorista, donde los
recursos de clientes representan la principal fuente de financiaci\u00f3n.
Durante el ejercicio 2022, en un entorno de mayor incertidumbre, las condiciones de liquidez se han mantenido holgadas en todos los
pa\u00edses donde opera el Grupo BBVA. Cabe se\u00f1alar que la guerra en Ucrania no ha tenido un impacto significativo en la situaci\u00f3n de
liquidez y financiaci\u00f3n de las unidades del Grupo BBVA.
El comportamiento de los indicadores de liquidez y financiaci\u00f3n refleja que se ha mantenido la robustez en la estructura de
financiaci\u00f3n durante los ejercicios 2022, 2021 y 2020, en el sentido de que todas las UGL mantienen niveles de autofinanciaci\u00f3n con
recursos estables de clientes por encima de lo exigido.
LtSCD por UGL
2022
2021
2020
Grupo (media ponderada)
96 %
95 %
95 %
BBVA, S.A.
98 %
98 %
97 %
BBVA M\u00e9xico
98 %
93 %
98 %
Garanti BBVA
83 %
81 %
95 %
Resto UGL
96 %
93 %
86 %
Respecto al LCR, el Grupo BBVA ha mantenido a lo largo de 2022 un buffer de liquidez tanto a nivel consolidado como individual que
le ha permitido mantener dicha ratio holgadamente por encima de 100%, situ\u00e1ndose la ratio consolidada a diciembre de 2022 en un
159%.
Aunque este requerimiento solo se establece para nivel Grupo y bancos de la eurozona, en todas las filiales se supera ampliamente el
m\u00ednimo exigido.
Destacar que en la construcci\u00f3n del LCR Consolidado no se asume transferibilidad de liquidez entre las filiales, por lo tanto, ning\u00fan
exceso de liquidez se traslada desde dichas entidades en el extranjero a la ratio consolidada.
De considerarse el impacto de estos activos altamente l\u00edquidos excluidos, el LCR se situar\u00eda en 201%, es decir 42 puntos porcentuales
por encima del LCR del Grupo.
LCR principales UGL
0
2022
2021
2020
Grupo
159 %
165 %
149 %
BBVA, S.A.
186 %
190 %
173 %
BBVA M\u00e9xico
199 %
245 %
196 %
Garanti BBVA
185 %
211 %
183 %
Uno de los elementos clave en la gesti\u00f3n de la liquidez y financiaci\u00f3n en el Grupo BBVA es el objetivo del mantenimiento de unos
amplios colchones de liquidez de alta calidad en todas las \u00e1reas geogr\u00e1ficas.
Cada entidad mantiene un s\u00f3lido buffer de liquidez a nivel individual, tanto para BBVA, S.A., como para cada de una de las filiales,
incluyendo, BBVA M\u00e9xico, Garanti BBVA y las filiales latinoamericanas.
En este sentido, el Grupo ha mantenido durante los \u00faltimos 12 meses un volumen medio de activos l\u00edquidos de alta calidad (HQLA, por
sus siglas en ingl\u00e9s) de 140.252 millones de euros, de los cuales el 95% se corresponden a los activos de m\u00e1xima calidad (nivel 1 en el
LCR).
La siguiente tabla muestra la liquidez disponible por instrumentos a 31 de diciembre de 2022, 2021 y 2020 de las unidades m\u00e1s
significativas basada en la informaci\u00f3n prudencial supervisora (Reglamento de Ejecuci\u00f3n de la Comisi\u00f3n (UE) 2017/2114 de 9 de
noviembre de 2017):
Liquidez disponible por instrumentos (Millones de euros)
BBVA, S.A.
BBVA M\u00e9xico
Garanti BBVA
Otros
2022
2021
2020
2022
2021
2020
2022
2021
2020
2022
2021
2020
Caja y reservas disponibles en
bancos centrales
48.271
35.258
39.330
12.865
12.146
8.930
6.731
8.179
6.153
5.265
6.469
6.831
Activos negociables de Nivel 1
33.081
37.272
48.858
13.974
13.881
9.205
9.165
5.549
7.019
7.836
6.036
6.237
Activos negociables de Nivel 2A
3.450
5.234
5.119
47
74
106
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Activos negociables de Nivel 2B
3.471
9.492
6.080
35
28
11
\u2014
\u2014
\u2014
1
2
\u2014
Otros activos negociables
22.708
27.870
20.174
467
343
421
285
722
701
1.035
934
745
Activos no negociables elegibles
por bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Capacidad de
contrabalance acumulada
110.981
115.127
119.560
27.388
26.472
18.672
16.181
14.449
13.873
14.136
13.440
13.814
Diciembre 2022 Salidas - Vencimientos residuales contractuales (Millones de euros)
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
PASIVO
Emisiones y certificados de
dep\u00f3sito
\u2014
1.841
4.434
1.050
3.148
2.017
6.318
9.423
13.282
18.145
59.658
Dep\u00f3sitos de entidades de
cr\u00e9dito
2.176
7.885
628
806
56
694
648
211
396
399
13.899
Dep\u00f3sitos de otras
instituciones financieras
7.392
5.760
1.465
464
379
758
700
293
594
727
18.532
Financiaciones del resto de
la clientela
302.667
38.951
18.542
6.776
2.575
2.870
1.476
1.276
798
273
376.203
Financiaciones con colateral
de valores
\u2014
51.638
14.543
17.736
866
1.503
8.136
1.524
3.493
575
100.013
Derivados, neto
\u2014
(253)
24
(1.010)
(23)
175
40
(153)
(466)
(3.717)
(5.383)
Diciembre 2021 Entradas - Vencimientos residuales contractuales (Millones de euros)
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
ACTIVO
Efectivo, saldos en efectivo
en bancos centrales y otros
dep\u00f3sitos a la vista
39.761
24.598
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
64.359
Pr\u00e9stamos y anticipos a
entidades de cr\u00e9dito
\u2014
3.781
400
790
373
299
211
166
8
26
6.056
Pr\u00e9stamos a otras
instituciones financieras
2
901
801
584
727
432
694
470
261
469
5.343
Adquisiciones temporales de
valores y pr\u00e9stamos de
valores (tomador)
\u2014
33.856
11.611
2.945
1.063
1.692
2.188
2.239
1.118
739
57.451
Pr\u00e9stamos
174
18.531
23.185
22.141
11.769
13.782
39.656
30.049
44.508
94.780
298.574
Liquidaci\u00f3n de cartera de
valores
10
1.779
3.606
3.395
2.333
3.958
18.854
13.135
17.214
47.331
111.614
Diciembre 2021 Salidas - Vencimientos residuales contractuales (Millones de euros)
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
PASIVO
Emisiones y certificados de
dep\u00f3sito
\u2014
3.065
1.077
3.498
2.914
1.885
9.477
4.931
12.332
19.991
59.169
Dep\u00f3sitos de entidades de
cr\u00e9dito
1.936
4.257
415
825
183
924
496
146
146
579
9.907
Dep\u00f3sitos de otras
instituciones financieras
8.894
2.728
1.700
382
289
227
578
231
337
722
16.087
Financiaciones del resto de
la clientela
281.812
28.806
11.814
4.867
1.717
1.520
1.740
578
863
416
334.132
Financiaciones con colateral
de valores
\u2014
52.437
6.858
2.485
1.513
8.252
29.954
5.527
4.755
1.490
113.269
Derivados, neto
(33)
(395)
(176)
(326)
(66)
(641)
100
(122)
(155)
(66)
(1.880)
Diciembre 2020 Entradas - Vencimientos residuales contractuales (Millones de euros) \u207d\u00b9\u207e
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
ACTIVO
Efectivo, saldos en efectivo
en bancos centrales y otros
dep\u00f3sitos a la vista
42.518
32.741
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
75.258
Pr\u00e9stamos y anticipos a
entidades de cr\u00e9dito
\u2014
3.616
677
921
356
461
117
120
2
39
6.309
Pr\u00e9stamos a otras
instituciones financieras
\u2014
2.202
855
797
734
543
1.251
721
515
500
8.119
Adquisiciones temporales de
valores y pr\u00e9stamos de
valores (tomador)
\u2014
20.033
4.757
1.351
364
368
3.320
1.849
891
1.089
34.021
Pr\u00e9stamos
279
16.939
24.280
23.012
15.579
17.032
46.182
38.851
51.709
110.173
344.036
Liquidaci\u00f3n de cartera de
valores
\u2014
3.896
6.680
6.557
5.084
13.014
9.858
15.494
17.231
50.045
127.859
(1) Los saldos incluyen las sociedades del Grupo que estaban en Estados Unidos (ver Notas 3 y 21).
Diciembre 2020 Salidas - Vencimientos residuales contractuales (Millones de euros) \u207d\u00b9\u207e
A la vista
Hasta un
mes
M\u00e1s de un
mes y
hasta tres
meses
M\u00e1s de
tres
meses y
hasta seis
meses
M\u00e1s de
seis
meses y
hasta
nueve
meses
M\u00e1s de
nueve
meses
hasta un
a\u00f1o
M\u00e1s de un
a\u00f1o y
hasta dos
a\u00f1os
M\u00e1s de
dos a\u00f1os
y hasta
tres a\u00f1os
M\u00e1s de
tres a\u00f1os
y hasta
cinco
a\u00f1os
M\u00e1s de
cinco
a\u00f1os
Total
PASIVO
Emisiones y certificados de
dep\u00f3sito
\u2014
4.750
2.618
3.963
1.283
1.543
10.573
7.505
12.793
23.839
68.868
Dep\u00f3sitos de entidades de
cr\u00e9dito
8.838
7.859
254
741
152
726
825
189
166
371
20.120
Dep\u00f3sitos de otras
instituciones financieras
12.735
4.324
2.694
588
353
272
957
337
459
870
23.589
Financiaciones del resto de
la clientela
308.360
39.978
13.416
6.808
4.526
4.366
3.361
1.213
869
799
383.694
Financiaciones con colateral
de valores
\u2014
41.239
5.301
1.643
1.192
368
11.304
28.510
3.740
1.516
94.812
Derivados, neto
\u2014
(722)
15
(961)
(85)
134
(400)
(157)
(264)
(159)
(2.599)
(1) Los saldos incluyen las sociedades del Grupo que estaban en Estados Unidos (ver Notas 3 y 21).
Respecto a la estructura de financiaci\u00f3n, la cartera de pr\u00e9stamos se encuentra en su mayor parte financiada por dep\u00f3sitos
minoristas. El tramo a la vista de las salidas contiene principalmente las cuentas corrientes de clientes retail cuyo comportamiento ha
mostrado hist\u00f3ricamente una elevada estabilidad y baja concentraci\u00f3n. Sobre la base de un an\u00e1lisis comportamental que se lleva a
cabo anualmente en cada una de las entidades, este tipo de cuentas se consideran estables y a los efectos de riesgo de liquidez
reciben un mejor tratamiento.
Los aspectos m\u00e1s destacados para las principales \u00e1reas geogr\u00e1ficas son los siguientes:
\u2013En BBVA, S.A. se ha mantenido una holgada posici\u00f3n de liquidez. Durante el ejercicio 2022, la actividad comercial ha generado
liquidez debido a un crecimiento de los dep\u00f3sitos de clientes por encima del de la inversi\u00f3n crediticia, especialmente en el
\u00faltimo trimestre. El Banco ha iniciado en diciembre la devoluci\u00f3n del programa TLTRO III por un importe de aproximadamente
12.000 millones de euros, correspondientes aproximadamente a una tercera parte del total dispuesto. Por otro lado, con la
finalidad de mantener suficiente colateral disponible en todo momento, se han realizado emisiones de c\u00e9dulas hipotecarias y
territoriales por importe de 2.000 millones de euros, retenidas en autocartera. Asimismo, se han realizado titulizaciones
hipotecarias retenidas en autocartera generando colateral por importe de 4.400 millones de euros.
\u2013En BBVA M\u00e9xico, la actividad comercial ha drenado liquidez durante 2022 debido a un crecimiento de la actividad crediticia
superior a la de los recursos. A pesar de esto, BBVA M\u00e9xico contin\u00faa presentando una holgada situaci\u00f3n de liquidez, lo que ha
contribuido a una gesti\u00f3n eficiente en el coste de los recursos, en un entorno de tipos crecientes.
\u2013En Turqu\u00eda, en el a\u00f1o 2022, el gap de cr\u00e9dito en moneda local se ha reducido, debido a un mayor crecimiento en dep\u00f3sitos que
en pr\u00e9stamos, y el de moneda extranjera se ha incrementado, por reducciones en los dep\u00f3sitos, derivados del mecanismo de
incentivaci\u00f3n de los dep\u00f3sitos en liras turcas, que han sido parcialmente compensadas por menores pr\u00e9stamos en moneda
extranjera. Garanti BBVA sigue manteniendo una situaci\u00f3n estable de liquidez con unos ratios holgados. Por su parte, el Banco
Central de Turqu\u00eda ha continuado implementando medidas para disminuir la dolarizaci\u00f3n de la econom\u00eda.
\u2013En Am\u00e9rica del Sur, se mantiene una adecuada situaci\u00f3n de liquidez en toda la regi\u00f3n. En Argentina, se sigue incrementando la
liquidez en el sistema y en BBVA por un mayor crecimiento de dep\u00f3sitos que de pr\u00e9stamos en moneda local. En BBVA
Colombia, se observa un mayor crecimiento de la actividad crediticia comparado con el crecimiento de los recursos, pero sin
comprometer la situaci\u00f3n de liquidez del banco debido al aumento de captaciones de dep\u00f3sitos a plazos m\u00e1s largos. BBVA Per\u00fa
mantiene unos s\u00f3lidos niveles de liquidez, gracias al s\u00f3lido crecimiento de dep\u00f3sitos en un entorno de reducci\u00f3n de inversi\u00f3n
crediticia en moneda local debido al vencimiento de pr\u00e9stamos amparados en programas COVID-19. La reciente inestabilidad
pol\u00edtica no est\u00e1 teniendo impactos materiales en t\u00e9rminos de liquidez.
A continuaci\u00f3n se detallan las principales operaciones de financiaci\u00f3n mayorista, llevadas a cabo por las entidades que forman BBVA.
\u2013En relaci\u00f3n a BBVA, S.A. durante el ejercicio 2022 ha realizado una emisi\u00f3n senior no preferente por importe de 1.000 millones
de euros, dos emisiones senior no preferente por importe acumulado de 1.750 millones de d\u00f3lares estadounidenses; seis
emisiones senior preferente por importe acumulado de 4.065 millones de euros; una emisi\u00f3n senior preferente (bono verde)
por 1.250 millones de euros y dos emisiones senior preferente (bono verde) por importe acumulado de 425 millones de francos
suizos. Adicionalmente, en mayo de 2022, se realiz\u00f3 la amortizaci\u00f3n anticipada de las participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (CoCos, por sus siglas en ingl\u00e9s) emitidas por BBVA en mayo de
2017 y en junio de 2022 se complet\u00f3 una titulizaci\u00f3n de pr\u00e9stamos para la financiaci\u00f3n de veh\u00edculos por un importe de 1.200
millones de euros.
\u2013Por su parte, BBVA M\u00e9xico realiz\u00f3 la emisi\u00f3n de un bono sostenible por 10.000 millones de pesos mexicanos (unos 480
millones de euros, aproximadamente), convirti\u00e9ndose as\u00ed en el primer banco privado en realizar una emisi\u00f3n de este tipo en
M\u00e9xico, tomando como referencia la tasa TIIE (Tasa de Inter\u00e9s Interbancaria de Equilibrio utilizada en M\u00e9xico).
\u2013Garanti BBVA renov\u00f3 el 100% de un pr\u00e9stamo sindicado indexado a criterios ambientales, sociales y de gobierno corporativo
que consta de dos tramos separados de 283,5 millones de d\u00f3lares estadounidenses y 290,5 millones de euros, ambos con
vencimiento a un a\u00f1o. Tambi\u00e9n renov\u00f3 la segunda parte de un pr\u00e9stamo sindicado (155 millones de d\u00f3lares estadounidenses y
239 millones de euros) con un ratio del 65% acorde con su estrategia y en l\u00ednea con los bancos del grupo de competidores.
Garanti BBVA tambi\u00e9n realiz\u00f3 una ronda de financiaci\u00f3n sostenible de 75 millones de d\u00f3lares estadounidenses en 2022.
\u2013BBVA Colombia cerr\u00f3 una financiaci\u00f3n con International Finance Corporation (IFC) por 60 millones de d\u00f3lares estadounidenses
a 3 a\u00f1os. Tambi\u00e9n se realiz\u00f3 una operaci\u00f3n de 200 millones de d\u00f3lares estadounidenses a 5 a\u00f1os y otra de 40 millones de
d\u00f3lares estadounidenses a un plazo de 3 a\u00f1os.
7.5.4Activos comprometidos en operaciones de financiaci\u00f3n
Los activos que a 31 de diciembre de 2022, 2021 y 2020 se encuentran comprometidos (aportados como colateral o garant\u00eda con
respecto a ciertos pasivos), y aquellos que se encuentran libres de cargas, se muestran a continuaci\u00f3n:
Activos comprometidos y libres de cargas (millones de euros)
Activos comprometidos
Activos no comprometidos
Valor en libros
Valor razonable
Valor en libros
Valor razonable
2022
2021
2020
2022
2021
2020
2022
2021
2020
2022
2021
2020
Activos
92.916
114.336
121.999
620.257
548.548
614.260
Instrumentos de patrimonio
819
307
2.134
819
307
2.134
11.293
22.280
14.556
11.293
22.280
14.556
Valores representativos de deuda
33.533
31.557
29.379
32.291
29.527
26.112
93.238
89.307
100.108
93.238
89.307
100.108
Pr\u00e9stamos y anticipos y otros
activos
58.563
82.472
90.486
515.726
436.962
499.595
El valor comprometido de \u201cPr\u00e9stamos y otros activos\u201d corresponde principalmente a pr\u00e9stamos vinculados a la emisi\u00f3n de c\u00e9dulas
hipotecarias, c\u00e9dulas territoriales o bonos titulizados a largo plazo (ver Nota 22.4) as\u00ed como a los que sirven de garant\u00eda para acceder
a determinadas operaciones de financiaci\u00f3n con bancos centrales. En cuanto a los valores representativos de deuda e instrumentos
de capital, responden a los subyacentes que son entregados en operaciones de cesi\u00f3n temporal de activos con diferentes tipos de
contrapartidas, principalmente c\u00e1maras de compensaci\u00f3n o entidades de cr\u00e9dito y, en menor medida, bancos centrales. Tambi\u00e9n se
incluyen como activos comprometidos todo tipo de colateral entregado para garantizar la operativa de derivados.
A 31 de diciembre de 2022, 2021 y 2020, las garant\u00edas recibidas principalmente por la operativa de adquisici\u00f3n temporal de activos o
pr\u00e9stamos de valores, y aquellas que podr\u00edan comprometerse en su mayor\u00eda, con el prop\u00f3sito de obtener financiaci\u00f3n se muestran a
continuaci\u00f3n:
Garant\u00edas recibidas (Millones de euros)
Valor razonable de garant\u00edas
recibidas comprometidas o
autocartera emitida
Valor razonable de garant\u00edas
recibidas o autocartera emitida
disponible para comprometer
Valor razonable de garant\u00edas
recibidas o autocartera emitida
no disponible para
comprometer
2022
2021
2020
2022
2021
2020
2022
2021
2020
Garant\u00edas recibidas
40.701
40.905
30.723
9.415
17.029
8.652
1.279
1.719
1.071
Instrumentos de patrimonio
323
289
239
759
265
204
\u2014
\u2014
\u2014
Valores representativos de deuda
40.378
40.616
30.484
8.656
16.764
8.448
1.279
1.719
1.071
Pr\u00e9stamos y otros activos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Autocartera emitida, excepto
c\u00e9dulas hipotecarias territoriales o
bonos titulizados
\u2014
\u2014
3
92
50
94
\u2014
\u2014
\u2014
Las garant\u00edas recibidas en forma de adquisici\u00f3n temporal de activos o pr\u00e9stamo de valores se comprometen mediante su utilizaci\u00f3n
en operaciones de cesi\u00f3n temporal de activos, al igual que se hace con los valores representativos de deuda.
A 31 de diciembre de 2022, 2021 y 2020, el conjunto de los pasivos financieros emitidos asociados a los diferentes activos
comprometidos en operaciones financieras, as\u00ed como la valoraci\u00f3n contable de estos \u00faltimos, se muestran a continuaci\u00f3n:
Activos comprometidos / garant\u00edas recibidas y pasivos asociados (Millones de euros)
Pasivos cubiertos, pasivos contingentes o t\u00edtulos
cedidos
Activos, garant\u00edas recibidas y autocartera
emitida, excepto c\u00e9dulas hipotecarias y bonos
titulizados comprometidos
2022
2021
2020
2022
2021
2020
Valor en libros de dichos pasivos
fuentes de pignoraci\u00f3n
122.400
137.242
131.352
128.628
151.275
147.523
Derivados
15.950
15.368
16.611
16.699
15.191
16.348
Dep\u00f3sitos
95.728
109.311
98.668
99.077
120.957
111.726
Emisiones
10.722
12.563
16.073
12.852
15.127
19.449
Otras fuentes de pignoraci\u00f3n
731
620
653
4.989
3.966
5.202
", "dimensions": { "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8yNTMvZnJhZzpiODY3NGFmOWE3NjM0NTcwOTdmMTdhZWVlNTY4NGJkMi90ZXh0cmVnaW9uOmI4Njc0YWY5YTc2MzQ1NzA5N2YxN2FlZWU1Njg0YmQyXzQyMzMxMTk3NjcwNzEz_5fbb7f24-852c-41ea-a0d9-a6976c8a3876": { "value": "Valor razonable de instrumentos financieros
Modelo de gobierno y control
El proceso de determinaci\u00f3n del valor razonable establecido en el Grupo asegura que los activos y pasivos financieros son valorados
conforme a los criterios de valor razonable definidos en NIIF 13 que lo define como precio que ser\u00eda recibido al vender un activo o
pagado al transferir un pasivo en una transacci\u00f3n ordenada entre participantes del mercado activo o mercado m\u00e1s ventajoso a la
fecha de valoraci\u00f3n.
BBVA ha establecido - a nivel de \u00e1reas geogr\u00e1ficas - una estructura de Comit\u00e9s de Admisi\u00f3n de Riesgo Operacional y Gobierno de
Producto encargados de validar y aprobar los nuevos productos o clases de activos y pasivos antes de su contrataci\u00f3n y de los que
son miembros integrantes las \u00e1reas locales, independientes del negocio, responsables de su valoraci\u00f3n (ver Informe de Gesti\u00f3n -
Riesgos).
Es obligaci\u00f3n de estas \u00e1reas asegurar, como paso previo a su aprobaci\u00f3n, la existencia tanto de capacidades t\u00e9cnicas y humanas,
como de fuentes de informaci\u00f3n adecuadas para valorar dichos activos y pasivos, de acuerdo con los criterios establecidos por el
\u00c1rea Global de valoraci\u00f3n y utilizando los modelos validados y aprobados por las \u00e1reas responsables cumpliendo con la gobernanza
de modelos oficial del Grupo BBVA.
Jerarqu\u00eda de valor razonable
Todos los instrumentos financieros, tanto de activo como de pasivo, se reconocen inicialmente por su valor razonable que, en ese
primer momento, equivale al precio de la transacci\u00f3n, salvo que exista evidencia de lo contrario en un mercado activo.
Posteriormente, y dependiendo de la naturaleza del instrumento financiero, \u00e9ste puede continuar registr\u00e1ndose a coste amortizado o
a valor razonable mediante ajustes en la cuenta de p\u00e9rdidas y ganancias consolidada o en patrimonio neto consolidado.
En la medida de lo posible, el valor razonable se determina como el precio de mercado del instrumento financiero. No obstante, para
muchos de los activos y pasivos financieros del Grupo, especialmente en el caso de los derivados, no existe un precio de mercado
disponible, por lo que hay que recurrir a estimar su valor razonable a trav\u00e9s de transacciones recientes de instrumentos an\u00e1logos y,
en su defecto, a trav\u00e9s de modelos matem\u00e1ticos de valoraci\u00f3n suficientemente contrastados por la comunidad financiera
internacional. En la utilizaci\u00f3n de estos modelos se tienen en consideraci\u00f3n las peculiaridades espec\u00edficas del activo o pasivo a valorar
y, muy especialmente, los distintos tipos de riesgos que el activo o pasivo lleva asociados. No obstante lo anterior, las propias
limitaciones de los modelos de valoraci\u00f3n desarrollados y las posibles inexactitudes en las hip\u00f3tesis y par\u00e1metros exigidos por estos
modelos pueden dar lugar a que el valor razonable estimado de un activo o pasivo financiero no coincida exactamente con el precio al
que el activo o pasivo podr\u00eda ser entregado o liquidado en la fecha de su valoraci\u00f3n.
Adicionalmente, para activos o pasivos financieros en los que se detecten elementos de incertidumbre relevante en los inputs o
par\u00e1metros de los modelos utilizados que puedan afectar a su valoraci\u00f3n, se establecen criterios para medir dicha incertidumbre y se
fijan l\u00edmites a la actividad en base a ellos. Por \u00faltimo, y en la medida de lo posible, las valoraciones as\u00ed obtenidas se contrastan con
otras fuentes como pueden ser las propias valoraciones obtenidas por los equipos de negocio o las de otros participantes del
mercado.
El proceso de determinaci\u00f3n del valor razonable requiere la clasificaci\u00f3n de todos los activos y pasivos financieros en funci\u00f3n de su
metodolog\u00eda de valoraci\u00f3n, que se definen a continuaci\u00f3n:
\u2013Nivel 1: Valoraci\u00f3n utilizando directamente la propia cotizaci\u00f3n del instrumento financiero, observable y disponible en
fuentes de precios independientes y referidos a mercados activos accesibles por la entidad en la fecha de valoraci\u00f3n. Se
incluyen en este nivel valores representativos de deuda cotizados, instrumentos de capital cotizados as\u00ed como ciertos
derivados.
\u2013Nivel 2: Valoraci\u00f3n mediante la aplicaci\u00f3n de t\u00e9cnicas de valoraci\u00f3n com\u00fanmente aceptadas que utilizan variables
obtenidas de datos observables en el mercado.
\u2013Nivel 3: Valoraci\u00f3n mediante t\u00e9cnicas de valoraci\u00f3n en las que se utilizan variables significativas que no son obtenidas de
datos observables en el mercado. A 31 de diciembre de 2022, los instrumentos financieros a valor razonable clasificados en
nivel 3 representaban, aproximadamente, el 0,57% de los activos financieros y el 0,43% de los pasivos financieros. La
elecci\u00f3n y validaci\u00f3n de los modelos de valoraci\u00f3n utilizados se realiz\u00f3 por unidades de control independientes de las \u00e1reas
de negocio.
Valor razonable de los instrumentos financieros
A continuaci\u00f3n, se presenta el valor razonable de los instrumentos financieros del Grupo de los balances consolidados adjuntos y su
correspondiente valor en libros a 31 de diciembre de 2022, 2021 y 2020:
Valor razonable y valor en libros (Millones de euros)
2022
2021
2020
Notas
Valor en
libros
Valor
razonable
Valor en
libros
Valor
razonable
Valor en
libros
Valor
razonable
ACTIVOS
Efectivo, saldos en efectivo en bancos
centrales y otros dep\u00f3sitos a la vista
9
79.756
79.756
67.799
67.799
65.520
65.520
Activos financieros mantenidos para negociar
10
110.671
110.671
123.493
123.493
105.878
105.878
Activos financieros no destinados a
negociaci\u00f3n valorados obligatoriamente a
valor razonable con cambios en resultados
11
6.888
6.888
6.086
6.086
5.198
5.198
Activos financieros designados a valor
razonable con cambios en resultados
12
913
913
1.092
1.092
1.117
1.117
Activos financieros a valor razonable con
cambios en otro resultado global
13
58.980
58.980
60.421
60.421
69.440
69.440
Activos financieros a coste amortizado
14
422.061
419.060
372.676
377.451
367.668
374.267
Derivados - Contabilidad de coberturas
15
1.891
1.891
1.805
1.805
1.991
1.991
PASIVOS
Pasivos financieros mantenidos para negociar
10
95.611
95.611
91.135
91.135
84.109
84.109
Pasivos financieros designados a valor
razonable con cambios en resultados
12
10.580
10.580
9.683
9.683
10.050
10.050
Pasivos financieros a coste amortizado
22
528.629
525.052
487.893
488.733
490.606
491.006
Derivados - Contabilidad de coberturas
15
3.303
3.303
2.626
2.626
2.318
2.318
No todos los activos y pasivos financieros est\u00e1n contabilizados a valor razonable, por lo que se desglosa la informaci\u00f3n referida a los
instrumentos financieros contabilizados a valor razonable y posteriormente la referida a los contabilizados a coste amortizado de los
que tambi\u00e9n se proporciona su valor razonable, aunque no se utilice para su registro en balance.
8.1.1Valor razonable de los instrumentos financieros contabilizados a valor razonable, seg\u00fan criterios de
valoraci\u00f3n
A continuaci\u00f3n, se presentan los diferentes elementos utilizados en la valoraci\u00f3n de instrumentos financieros.
Mercado activo
En general, BBVA considera como mercado activo aquel que permite la observaci\u00f3n de precios de oferta y demanda representativos
de los niveles a los que uno o m\u00e1s participantes estar\u00edan dispuestos a negociar un determinado activo, con la suficiente frecuencia y
volumen diario.
Adicionalmente, el Grupo BBVA asimilar\u00e1 a los precios de los mercados organizados aquellos provenientes de mercados OTC (over-
the-counter), obtenidos a trav\u00e9s de fuentes independientes con frecuencia al menos diaria, y que cumplan con ciertos requisitos.
La siguiente tabla presenta los instrumentos financieros registrados en los balances consolidados adjuntos, desglosados seg\u00fan el
m\u00e9todo de valoraci\u00f3n utilizado en la estimaci\u00f3n de su valor razonable a 31 de diciembre de 2022, 2021 y 2020:
Valor razonable de los instrumentos financieros por niveles (Millones de euros)
2022
2021
2020
Nivel 1
Nivel 2
Nivel 3
Nivel 1
Nivel 2
Nivel 3
Nivel 1
Nivel 2
Nivel 3
ACTIVOS
Activos financieros mantenidos para negociar
22.710
85.636
2.325
32.371
87.736
3.386
32.555
71.938
1.386
Instrumentos de patrimonio
4.369
\u2014
34
15.925
\u2014
37
11.367
31
60
Valores representativos de deuda
16.284
7.934
148
11.877
13.725
189
12.790
11.123
57
Pr\u00e9stamos y anticipos
1.262
39.562
1.169
615
47.279
2.913
2.379
26.741
1.148
Derivados
795
38.140
974
3.954
26.732
247
6.019
34.043
121
Activos financieros no destinados a negociaci\u00f3n
valorados obligatoriamente a valor razonable con
cambios en resultados
5.720
151
1.017
4.378
522
1.186
3.826
381
992
Instrumentos de patrimonio
5.457
40
1.014
4.158
394
751
3.612
57
465
Valores representativos de deuda
19
111
\u2014
\u2014
128
\u2014
4
324
28
Pr\u00e9stamos y anticipos
245
\u2014
3
220
\u2014
435
210
\u2014
499
Activos financieros designados a valor razonable
con cambios en resultados
913
\u2014
\u2014
916
176
\u2014
939
178
\u2014
Pr\u00e9stamos y anticipos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Valores representativos de deuda
913
\u2014
\u2014
916
176
\u2014
939
178
\u2014
Instrumentos de patrimonio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Activos financieros a valor razonable con cambios
en otro resultado global
48.235
10.237
508
52.157
7.545
719
60.976
7.866
598
Instrumentos de patrimonio
1.040
58
100
1.178
36
106
961
34
105
Valores representativos de deuda
47.169
10.179
408
50.952
7.509
613
59.982
7.832
493
Pr\u00e9stamos y anticipos
26
\u2014
\u2014
27
\u2014
\u2014
33
\u2014
\u2014
Derivados - Contabilidad de coberturas
4
1.887
\u2014
63
1.733
9
120
1.862
8
PASIVOS
Pasivos financieros mantenidos para negociar
20.611
73.871
1.129
26.215
64.305
615
27.587
56.127
395
Derivados
746
36.161
1.002
4.755
26.560
389
7.402
34.046
232
Posiciones cortas de valores
13.354
133
\u2014
15.124
11
\u2014
11.805
504
3
Dep\u00f3sitos
6.511
37.577
127
6.335
37.733
226
8.381
21.577
159
Pasivos financieros designados a valor razonable
con cambios en resultados
\u2014
8.990
1.590
1
8.243
1.439
\u2014
8.558
1.492
Dep\u00f3sitos de la clientela
\u2014
700
\u2014
\u2014
809
\u2014
\u2014
902
\u2014
D\u00e9bitos representados por valores negociables
\u2014
1.698
1.590
1
1.956
1.439
\u2014
3.038
1.492
Otros pasivos financieros
\u2014
6.592
\u2014
\u2014
5.479
\u2014
\u2014
4.617
\u2014
Derivados - Contabilidad de coberturas
100
3.179
25
53
2.573
\u2014
53
2.250
15
A continuaci\u00f3n se presentan los principales m\u00e9todos de valoraci\u00f3n, hip\u00f3tesis e inputs utilizados en la estimaci\u00f3n del valor razonable
de los instrumentos financieros contabilizados a valor razonable clasificados en los Niveles 2 y 3, seg\u00fan el tipo de instrumento
financiero de que se trate, y los correspondientes saldos a 31 de diciembre de 2022, 2021 y 2020:
Instrumentos financieros registrados a valor razonable por niveles (Millones de euros)
2022
2021
2020
Nivel 2
Nivel 3
Nivel 2
Nivel 3
Nivel 2
Nivel 3
T\u00e9cnicas de valoraci\u00f3n
Principales inputs observables
Principales inputs no observables
ACTIVOS
Activos financieros mantenidos para
negociar
85.636
2.325
87.736
3.386
71.938
1.386
Instrumentos de patrimonio
\u2014
34
\u2014
37
31
60
Precios activos similares (Precios
observados en mercado de activos
similares)
Valor actual neto
- Cotizaciones brokers
- Operaciones mercado
- Valores liquidativos publicados por gestoras
- NAV del administrador de fondos
Valores representativos de deuda
7.934
148
13.725
189
11.123
57
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
Precios observados en mercados no activos
o de activos similares
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Precios de mercado no activos
- Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
Pr\u00e9stamos y anticipos
39.562
1.169
47.279
2.913
26.741
1.148
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Tipos de inter\u00e9s de financiaci\u00f3n de activos
observados en mercado o en servicios de
consenso.
- Tipos de cambio.
-Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
- Tipos de inter\u00e9s de financiaci\u00f3n de
activos\u00a0 no observados en mercado o
en servicios de consenso.
Derivados
38.140
974
26.732
247
34.043
121
Tipo de inter\u00e9s
Productos lineales de tipos de inter\u00e9s
(Interest rate swaps, Call money swaps y
FRA): Descuento de flujos.
Caps/Floors: Black 76, Hull-White y SABR
Opciones sobre bonos: Black 76
Swaptions: Black 76, Hull-White y LGM
Otras opciones de tipos de inter\u00e9s: Black,
Hull-White, SABR y Libor Market Model
Constant maturity swaps:SABR
- Tipos de cambio
-\u00a0 Precios futuros cotizados en mercado o en
servicios de consenso
-\u00a0 Tipos de inter\u00e9s mercado
-\u00a0 Precios activos Subyacentes: acciones;
fondos; commodities
-\u00a0 Volatilidades observadas en mercado o en
servicios de consenso
-\u00a0 Niveles de spread de cr\u00e9dito de emisores
-\u00a0 Dividendos cotizados o de consenso
-\u00a0 Correlaciones cotizadas en mercado o
tomadas de servicios de consenso
- Beta
- Correlaciones impl\u00edcitas entre tenors
- Volatilidades Tipos de Inter\u00e9s
Instrumentos de patrimonio
Futuros y forwards de renta variable:
Descuento de flujos
Opciones renta variable: volatilidad local,
Ajuste de momentos y Heston
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo plazo
- Dividendos impl\u00edcitos\u00a0 y tipos repo a
largo plazo
Divisas y oro
Futuros y forwards de renta variable:
Descuento de flujos
Opciones de tipo de cambio: volatilidad
local, ajuste de momentos
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo plazo
Cr\u00e9dito
Derivados cr\u00e9dito: Intensidad de default y
C\u00f3pula Gaussiana
- Correlaci\u00f3n de impago
- Spreads de cr\u00e9dito
- Tasas de recuperaci\u00f3n
- Curvas de tipo de inter\u00e9s
- Volatilidad de impago
Materias primas
Materias primas: Descuento de flujos y
ajuste de momentos;
Activos financieros no destinados a
negociaci\u00f3n valorados obligatoriamente a
valor razonable con cambios en resultados
151
1.017
522
1.186
381
992
Instrumentos de patrimonio
40
1.014
394
751
57
465
Precios activos similares (Precios
observados en mercado de activos
similares)
Valor actual neto
- Cotizaciones brokers
- Operaciones mercado
- Valores liquidativos publicados por gestoras
- NAV del administrador de fondos
Valores representativos de deuda
111
\u2014
128
\u2014
324
28
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
Pr\u00e9stamos y anticipos
\u2014
3
\u2014
435
\u2014
499
Criterios espec\u00edficos de liquidaci\u00f3n de
p\u00e9rdidas contempladas en Protocolo EPA
PD y LGD de modelos internos, tasaciones y
criterios espec\u00edficos Protocolo EPA
Descuento de flujos de caja futuros
- Tasas de prepago
- Plan de negocio del activo subyacente,
WACC, Hip\u00f3tesis Macro
- Valoraci\u00f3n inmobiliaria
Activos financieros designados a valor
razonable con cambios en resultados
\u2014
\u2014
176
\u2014
178
\u2014
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
Valores representativos de deuda
\u2014
\u2014
176
\u2014
178
\u2014
Activos financieros a valor razonable con
cambios en otro resultado global
10.237
508
7.545
719
7.866
598
Instrumentos de patrimonio
58
100
36
106
34
105
Precios activos similares (Precios
observados en mercado de activos
similares)
Valor actual neto
- Cotizaciones brokers
- Operaciones mercado
- Valores liquidativos publicados por gestoras
- NAV del administrador de fondos
Valores representativos de deuda
10.179
408
7.509
613
7.832
493
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
Precios observados en mercados no activos
o de activos similares
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Precios de mercado no activos
- Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
Derivados - Contabilidad de coberturas
1.887
\u2014
1.733
9
1.862
8
Tipo de inter\u00e9s
Productos lineales de tipos de inter\u00e9s
(Interest rate swaps, Call money swaps y
FRA): Descuento de flujos.
Caps/Floors: Black 76, Hull-White y SABR
Opciones sobre bonos: Black 76
Swap options: Black 76, Hull-White y LGM
Otras opciones de tipos de inter\u00e9s: Black 76,
Hull-White, SABR y Libor Market Model
Constant maturity swaps: SABR
-\u00a0 Tipos de cambio
-\u00a0 Precios futuros cotizados en mercado o en
servicios de consenso
-\u00a0 Tipos de inter\u00e9s mercado
-\u00a0 Precios activos Subyacentes: acciones;
fondos; commodities
-\u00a0 Volatilidades observadas en mercado o en
servicios de consenso
-\u00a0 Niveles de spread de cr\u00e9dito de emisores
-\u00a0 Dividendos cotizados o de consenso
-\u00a0 Correlaciones cotizadas en mercado o
tomadas de servicios de consenso
- Beta
- Correlaciones impl\u00edcitas entre tenors
- Volatilidades Tipos de Inter\u00e9s
Instrumentos de patrimonio
Futuros y forwards de renta variable:
Descuento de flujos
Opciones renta variable: Volatilidad local,
Black 76, Ajuste de momentos\u00a0 y Heston
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo plazo
- Dividendos impl\u00edcitos\u00a0 y tipos repo a
largo plazo
Divisas y oro
Futuros y forwards de renta variable:
Descuento de flujos
Opciones de tipo de cambio: Volatilidad
local, Ajuste de momentos
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo plazo
Cr\u00e9dito
Derivados cr\u00e9dito: Intensidad de default y
C\u00f3pula Gaussiana
- Correlaci\u00f3n de impago
- Spreads de cr\u00e9dito
- Tasas de recuperaci\u00f3n
- Curvas de tipo de inter\u00e9s
- Volatilidad de impago
Materias primas
Materias primas: Descuento de flujos y
ajuste de momentos;
Instrumentos financieros registrados a valor razonable por niveles (Millones de euros)
2022
2021
2020
Nivel 2
Nivel 3
Nivel 2
Nivel 3
Nivel 2
Nivel 3
T\u00e9cnicas de valoraci\u00f3n
Principales inputs observables
Principales inputs no observables
PASIVOS
Pasivos financieros mantenidos para
negociar
73.871
1.129
64.305
615
56.127
395
Dep\u00f3sitos
37.577
127
37.733
226
21.577
159
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Tipos de inter\u00e9s de mercado
- Tipos de inter\u00e9s de financiaci\u00f3n de
pasivos observados en mercado o en
servicios de consenso.
- Tipos de cambio.
- Tipos de inter\u00e9s de financiaci\u00f3n de
pasivos no observados en mercado o
en servicios de consenso.
Derivados
36.161
1.002
26.560
389
34.046
232
\u00a0 \u00a0 \u00a0 \u00a0 \u00a0
Tipo de inter\u00e9s
Productos lineales de tipos de inter\u00e9s
(Interest rate swaps, Call money
swaps y FRA): Descuento de flujos.
Caps/Floors: Black 76, Hull-White y
SABR
Opciones sobre bonos: Black 76
Swaptions: Black 76, Hull-White y
LGM
Otras opciones de tipos de inter\u00e9s:
Black 76, Hull-White, SABR y Libor
Market Model
Constant Maturity Swaps: SABR
- Tipos de cambio
-\u00a0 Precios futuros cotizados en
mercado o en servicios de consenso
-\u00a0 Tipos de inter\u00e9s mercado
-\u00a0 Precios activos Subyacentes:
acciones; fondos; commodities
- Volatilidades observadas en
mercado o en servicios de consenso
-\u00a0 Niveles de spread de cr\u00e9dito de
emisores
-\u00a0 Dividendos cotizados o de
consenso
-\u00a0 Correlaciones cotizadas en
mercado o tomadas de servicios de
consenso
- Beta
- Correlaci\u00f3n entre tenors
- Volatilidades tipos de Inter\u00e9s
Instrumentos de patrimonio
Futuros y forwards de renta variable:
Descuento de flujos
Opciones renta variable: Volatilidad
local, Ajuste de momentos\u00a0 y Heston
- Volatility of volatility
- Correlaciones activos
Divisas y oro
Futuros y forwards de renta variable:
Descuento de flujos
Opciones de tipo de cambio: black
76, volatilidad local, ajuste de
momentos
- Volatility of volatility
- Correlaciones activos
Cr\u00e9dito
Derivados cr\u00e9dito: Intensidad de
default y C\u00f3pula Gaussiana
- Correlaci\u00f3n de impago
- Spreads de cr\u00e9dito
- Tasas de recuperaci\u00f3n
- Curvas de tipo de inter\u00e9s
- Volatilidad de impago
Materias primas
Materias primas: Descuento de flujos
y ajuste de momentos;
Posiciones cortas
133
\u2014
11
\u2014
504
3
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
Pasivos financieros designados a
valor razonable con cambios en
resultados
8.990
1.590
8.243
1.439
8.558
1.492
M\u00e9todo del valor presente
(Descuento de flujos de caja
futuros)
- Tasas de prepago
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Tasas de prepago
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
Derivados - Contabilidad de
coberturas
3.179
25
2.573
\u2014
2.250
15
Tipo de inter\u00e9s
Productos Lineales de Tipos de
inter\u00e9s (Interest rate swaps, Call
money swaps y FRA): Descuento de
Flujos.
Caps/Floors: Black 76, Hull-White y
SABR
Opciones sobre bonos: Black 76
Swaptions: Black 76, Hull-White y
LGM
Otras opciones de tipos de inter\u00e9s:
Black 76, Hull-White, SABR y Libor
Market Model
Constant Maturity Swaps: SABR
-Tipos de cambio
-\u00a0 Precios futuros cotizados en
mercado o en servicios de consenso
- Tipos de inter\u00e9s mercado
-\u00a0 Precios activos subyacentes:
acciones; fondos; commodities
-\u00a0 Volatilidades observadas en
mercado o en servicios de consenso
-\u00a0 Niveles de spread de cr\u00e9dito de
emisores
-\u00a0 Dividendos cotizados o de
consenso
-\u00a0 Correlaciones cotizadas en
mercado o tomadas de servicios de
consenso
- Beta
- Correlaciones impl\u00edcitas entre
tenors
- Volatilidades tipos de inter\u00e9s
Instrumentos de patrimonio
Futuros y forwards de renta variable:
Descuento de flujos
Opciones renta variable: Volatilidad
local, Ajuste de momentos y Heston
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo
plazo
- Dividendos Impl\u00edcitos\u00a0 y tipos repo a
largo plazo
Divisas y oro
Futuros y forwards de renta variable:
Descuento de flujos
Opciones de tipo de cambio: Black
76, Volatilidad local, Ajuste de
momentos
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo
plazo
Cr\u00e9dito
Derivados cr\u00e9dito: Intensidad de
default y C\u00f3pula Gaussiana
- Correlaci\u00f3n de impago
- Spreads de cr\u00e9dito
- Tasas de recuperaci\u00f3n
- Curvas de tipo de inter\u00e9s
- Volatilidad de impago
Materias primas
Materias primas: Descuento de flujos
y ajuste de momentos
T\u00e9cnicas de valoraci\u00f3n
Las principales t\u00e9cnicas utilizadas para la valoraci\u00f3n de la mayor\u00eda de los instrumentos clasificados en nivel 3, y sus principales inputs
no observables, se describen a continuaci\u00f3n:
\u2013El valor actual neto (m\u00e9todo del valor presente): este modelo utiliza los flujos futuros de caja de cada instrumento, que
vienen establecidos en los diferentes contratos, y los descuenta para calcular su valor actual. Este modelo suele incluir
muchos par\u00e1metros observables en mercado, si bien tambi\u00e9n puede incluir par\u00e1metros no observables directamente en
mercado, como los que se describen a continuaci\u00f3n:
a.Diferencial de cr\u00e9dito: el diferencial de cr\u00e9dito representa la diferencia en el rendimiento de un instrumento y la
tasa de referencia, reflejando el rendimiento adicional que un participante en el mercado demandar\u00eda para tomar
el riesgo de cr\u00e9dito de ese instrumento. Por tanto, el diferencial de cr\u00e9dito de un instrumento forma parte de la
tasa de descuento que se utiliza para calcular el valor presente de los flujos futuros de caja.
b.Tasa de recuperaci\u00f3n: se define como el porcentaje de capital e intereses que se recupera de un instrumento de
deuda que ha sido impagado.
\u2013Precios comparables (precios activos similares): se utilizan precios de instrumentos comparables, \u00edndices de referencia o
benchmark de mercado para calcular su rendimiento desde el precio de entrada o su valoraci\u00f3n actual realizando ajustes
posteriores para tomar en cuenta diferencias que puede haber entre el activo valorado y el que se toma como referencia.
Tambi\u00e9n se puede simplemente asumir que el precio de un instrumento equivale al del otro.
\u2013Net asset value: esta t\u00e9cnica emplea ciertas hip\u00f3tesis para usar el valor actual neto como representativas del valor
razonable, que representa el valor total de los activos y pasivos de un fondo y es publicado por la entidad gestora del
mismo.
\u2013C\u00f3pula gaussiana: en los instrumentos de cr\u00e9dito dependientes de varias referencias, la funci\u00f3n de densidad conjunta a
integrar para valorarlos se construye mediante una c\u00f3pula gaussiana que relaciona las densidades marginales mediante
una distribuci\u00f3n normal, que suele extraerse de la matriz de correlaciones de los eventos de default que se aproxima por la
de los CDS (Credit Default Swaps) de los emisores.
\u2013Black 76: variante del modelo Black Scholes cuya principal aplicaci\u00f3n es la valoraci\u00f3n de opciones de bonos, caps/ floors y
swaptions de los modelos directamente el comportamiento del forward y no el propio spot.
\u2013Black Scholes: El modelo Black Scholes postula una distribuci\u00f3n log-normal de los precios de los valores de modo que, bajo
la medida riesgo neutral, el retorno esperado de los mismos es el tipo de inter\u00e9s libre de riesgo. Bajo esta asunci\u00f3n, el precio
de las opciones vanilla se puede calcular anal\u00edticamente, de modo que invirtiendo la f\u00f3rmula de Black Scholes para una
prima cotizada en mercado, se puede obtener la volatilidad del proceso del precio.
\u2013Heston: El modelo, que normalmente se aplica opciones de renta variable, presume un comportamiento estoc\u00e1stico de la
volatilidad. Seg\u00fan \u00e9ste, la volatilidad sigue un proceso que revierte a un nivel de largo plazo y est\u00e1 correlacionado con el que
sigue el subyacente. Frente a los modelos de volatilidad local, en los que la volatilidad evoluciona determin\u00edsticamente, el
modelo de Heston es m\u00e1s flexible, permitiendo que sea similar al observado en el corto plazo del d\u00eda.
\u2013Libor market model: este modelo presume que la din\u00e1mica de la curva de tipos de inter\u00e9s se puede modelar en base al
proceso conjunto de los forwards que la componen. La matriz de correlaciones se parametriza bajo la hip\u00f3tesis de que la
correlaci\u00f3n entre dos forwards cualesquiera decrece a una tasa instant\u00e1nea constante, beta, en la medida en que disten sus
respectivos vencimientos. El input \u201cVolatilidad de impago\u201d aplicar\u00eda en operativa h\u00edbrida tipos/cr\u00e9dito. El marco
multifactorial del modelo lo hace ideal para la valoraci\u00f3n de instrumentos sensibles a la pendiente o curvatura.
\u2013Local volatility: En los modelos de volatilidad local (en ingl\u00e9s, \u201clocal volatility\u201d), la volatilidad, en lugar de ser est\u00e1tica,
evoluciona determin\u00edsticamente con el tiempo seg\u00fan el nivel de probabilidad de que la opci\u00f3n tenga un valor positivo en su
fecha de vencimiento (nivel denominado en ingl\u00e9s \u201cmoneyness\u201d), reproduciendo las denominadas \u201csonrisas de
volatilidad\u201d (\u201cvolatility smiles\u201d) que se observan en mercado. La sonrisa de volatilidad de una opci\u00f3n es la relaci\u00f3n emp\u00edrica
que se observa entre su volatilidad impl\u00edcita y el precio de ejercicio de la misma. Estos modelos son apropiados en las
opciones cuyo valor depende de la evoluci\u00f3n hist\u00f3rica del subyacente que utilizan simulaci\u00f3n de Monte Carlo para su
valoraci\u00f3n.
Inputs no observables
A continuaci\u00f3n, se presenta la informaci\u00f3n cuantitativa de los inputs no observables utilizados en el c\u00e1lculo de las valoraciones de
nivel 3 a 31 de diciembre de 2022, 2021 y 2020:
Inputs no observables. Diciembre 2022
Instrumento financiero
M\u00e9todo de valoraci\u00f3n
Inputs no observables
significativos
Min
Media
Max
Unidades
Valores representativos
de deuda
M\u00e9todo de valor presente
Diferencial de cr\u00e9dito
\u2014
111
1.538
pb
Tasa de recuperaci\u00f3n
0 %
39 %
40 %
%
Precios comparables
2 %
94 %
139 %
%
Instrumentos de
patrimonio (1)
Valor actual neto
Precios comparables
Pr\u00e9stamos y anticipos
M\u00e9todo de valor presente
Tipos de inter\u00e9s de
financiaci\u00f3n de activos
0,71 %
3,48 %
5,52 %
Abs Repo
rate
Derivados de cr\u00e9dito
C\u00f3pula gaussiana
Correlaci\u00f3n de impago
26 %
44 %
58 %
%
Black 76
Volatilidad del precio
\u2014
\u2014
\u2014
Vegas
Derivados de renta
variable
Modelos de opciones
sobre renta variable
Dividendos (2)
Correlaciones
(93 %)
59 %
99 %
%
Volatilidad
7,81
32,62
98,71
Vegas
Derivados de tipos de
cambio
Modelos de opciones
sobre tipo de cambio
Volatilidad
5,32
11,93
20,73
Vegas
Derivados de tipos de
inter\u00e9s
Modelos de opciones
sobre tipo de inter\u00e9s
Beta
0,25 %
2 %
18 %
%
Correlaci\u00f3n tipo/cr\u00e9dito
(100 %)
100 %
%
Correlaci\u00f3n tipo/
inflaci\u00f3n
51 %
66 %
76 %
%
(1)Debido a la variedad de modelos de valoraci\u00f3n de instrumentos de patrimonio no se incluyen todos los posibles inputs no observables significativos ni por tanto los rangos
cuantitativos de \u00e9stos.
(2) El rango de los dividendos no observables significativos es demasiado amplio para ser relevante a nivel comparativo.
Inputs no observables. Diciembre 2021
Instrumento financiero
M\u00e9todo de valoraci\u00f3n
Inputs no observables
significativos
Min
Media
Max
Unidades
Valores representativos
de deuda
M\u00e9todo de valor presente
Diferencial de cr\u00e9dito
3
125
2.374
pb
Tasa de recuperaci\u00f3n
0 %
37 %
40 %
%
Precios comparables
0,1 %
97 %
144 %
%
Instrumentos de
patrimonio (1)
Valor actual neto
Precios comparables
Pr\u00e9stamos y anticipos
M\u00e9todo de valor presente
Tipos de inter\u00e9s de
financiaci\u00f3n de activos
(2,71 %)
1,16 %
4,99 %
Abs Repo
rate
Derivados de cr\u00e9dito
C\u00f3pula gaussiana
Correlaci\u00f3n de impago
35 %
43 %
53 %
%
Black 76
Volatilidad del precio
\u2014
\u2014
\u2014
Vegas
Derivados de renta
variable
Modelos de opciones
sobre renta variable
Dividendos (2)
Correlaciones
(88 %)
60 %
99 %
%
Volatilidad
5,57
26,30
62,00
Vegas
Derivados de tipos de
cambio
Modelos de opciones
sobre tipo de cambio
Volatilidad
3,96
9,71
16,34
Vegas
Derivados de tipos de
inter\u00e9s
Modelos de opciones
sobre tipo de inter\u00e9s
Beta
0,25 %
2 %
18 %
%
Correlaci\u00f3n tipo/cr\u00e9dito
(100 %)
100 %
%
Volatilidad de impago
\u2014
\u2014
\u2014
Vegas
(1) Debido a la variedad de modelos de valoraci\u00f3n de instrumentos de patrimonio no se incluyen todos los posibles inputs no observables significativos ni por tanto los rangos
cuantitativos de \u00e9stos.
(2) El rango de los dividendos no observables significativos es demasiado amplio para ser relevante a nivel comparativo.
Inputs no observables. Diciembre 2020
Instrumento financiero
M\u00e9todo de valoraci\u00f3n
Inputs no observables
significativos
Min
Media
Max
Unidades
Valores representativos
de deuda
M\u00e9todo de valor presente
Diferencial de cr\u00e9dito
4
47
564
pb
Tasa de recuperaci\u00f3n
0 %
37 %
40 %
%
Precios comparables
0,10 %
100 %
144 %
%
Instrumentos de
patrimonio (1)
Valor actual neto
Precios comparables
Pr\u00e9stamos y anticipos
M\u00e9todo de valor presente
Tipos de inter\u00e9s de
financiaci\u00f3n de activos
(1,18 %)
(0,25 %)
0,74 %
Abs Repo
rate
Derivados de cr\u00e9dito
C\u00f3pula gaussiana
Correlaci\u00f3n de impago
30 %
45 %
61 %
%
Black 76
Volatilidad del precio
\u2014
\u2014
\u2014
Vegas
Derivados de renta
variable
Modelos de opciones
sobre renta variable
Dividendos (2)
Correlaciones
(77 %)
51 %
98 %
%
Volatilidad
6,52
29,90
141,77
Vegas
Derivados de tipo de
cambio
Modelos de opciones
sobre tipo de cambio
Volatilidad
4,11
10,00
16,14
Vegas
Derivados de tipo de
inter\u00e9s
Modelos de opciones
sobre tipo de inter\u00e9s
Beta
0,25 %
2 %
18 %
%
Correlaci\u00f3n tipo/cr\u00e9dito
(100 %)
100 %
%
Volatilidad de impago
\u2014
\u2014
\u2014
Vegas
(1) Corresponde a t\u00edtulos que se mantienen en el balance consolidado a 31 de diciembre de 2022, 2021 y 2020. Los ajustes por valoraci\u00f3n se registran en la cuenta de p\u00e9rdidas y
ganancias consolidada en el ep\u00edgrafe de \u201cGanancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con cambios en resultados, netas\u201d.
(2) De los que en el ejercicio 2021, el movimiento de activo se compone de 2.742 millones de euros de compras y 211 millones de euros de ventas. Los movimientos del pasivo se
componen de 213 millones de euros de compras y 57 millones de euros de ventas.
(3) El saldo de 2020 corresponde principalmente a las sociedades del Grupo que estaban en proceso de venta en Estados Unidos incluidas en la venta a PNC (ver Notas 3 y 21).
Durante el ejercicio 2022 se ha reducido el neto de volumen de exposiciones clasificadas como nivel 3. Esta reducci\u00f3n se concentra
principalmente en posiciones de adquisiciones temporales de activos (ATA), derivado de la rotaci\u00f3n de la cartera hacia posiciones
con mejor observabilidad en el mercado de los inputs aplicados en su valor razonable. Adicionalmente la reducci\u00f3n del volumen de
exposiciones nivel 3 de posiciones de adquisiciones temporales de activos (ATA) se ve mitigada por el incremento en el volumen de
exposiciones nivel 3 en derivados, para los cuales se tiene peor observabilidad en mercado de los inputs aplicados en su valor
razonable.
Durante el ejercicio 2021, se increment\u00f3 la cartera de negociaci\u00f3n principalmente en posici\u00f3n de pr\u00e9stamos y anticipos y su
correspondiente financiaci\u00f3n con dep\u00f3sitos. Alineado con este incremento de la actividad, resulta un mayor volumen de exposiciones
clasificadas como nivel 3, que principalmente corresponden a adquisiciones temporales de activos (ATA), a pesar de mejorar durante
el ejercicio la observabilidad en el mercado de los inputs utilizados para valorar estos activos.
Durante el ejercicio 2020, se realiz\u00f3 una reducci\u00f3n de Activos financieros mantenidos para negociar y Pasivos financieros
mantenidos para negociar clasificados como Nivel 2 en la jerarqu\u00eda de valor razonable por importe de 1.918 millones de euros y una
reducci\u00f3n de Activos financieros mantenidos para negociar y Pasivos financieros mantenidos para negociar clasificados como nivel 3
en la jerarqu\u00eda de valor razonable por importe de 461 millones de euros.
Durante los ejercicios 2022, 2021 y 2020, el resultado por ventas de instrumentos financieros clasificados en nivel 3, registrado en la
cuenta de p\u00e9rdidas y ganancias consolidada no fue significativo.
Traspasos entre niveles
El \u00e1rea de Valoraci\u00f3n Global de Mercados ha establecido los criterios para la adecuada clasificaci\u00f3n de instrumentos financieros
mantenidos para negociar definida por las NIIF.
Mensualmente, los nuevos activos incorporados a la cartera son clasificados, siguiendo estos criterios, por las \u00e1reas locales que, a su
vez, llevan a cabo una revisi\u00f3n trimestral de la cartera existente con objeto de analizar si es preciso modificar la clasificaci\u00f3n de
alguno de los activos existentes.
Los instrumentos financieros que fueron traspasados entre los distintos niveles de valoraci\u00f3n durante los ejercicios 2022, 2021 y
2020 presentan los siguientes saldos en los balances consolidados adjuntos a 31 de diciembre de 2022, 2021 y 2020:
Traspasos de niveles. Diciembre 2022 (Millones de euros)
DE:
Nivel 1
Nivel 2
Nivel 3
A:
Nivel 2
Nivel 3
Nivel 1
Nivel 3
Nivel 1
Nivel 2
Activo
Activos financieros mantenidos para negociar
683
1
1.909
340
24
911
Activos financieros no destinados a
negociaci\u00f3n valorados obligatoriamente a valor
razonable con cambios en resultados
\u2014
\u2014
243
\u2014
53
2
Activos financieros designados a valor
razonable con cambios en resultados
\u2014
\u2014
123
\u2014
\u2014
\u2014
Activos financieros a valor razonable con
cambios en otro resultado global
1.723
\u2014
715
\u2014
18
83
Derivados - Contabilidad de coberturas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Total
2.407
1
2.990
340
95
996
Pasivo
Pasivos financieros mantenidos para negociar
524
\u2014
239
141
\u2014
258
Pasivos financieros designados a valor
razonable con cambios en resultados
\u2014
\u2014
\u2014
221
\u2014
55
Derivados - Contabilidad de coberturas
\u2014
\u2014
\u2014
25
\u2014
\u2014
Total
524
\u2014
239
387
\u2014
313
El importe de los instrumentos financieros que fueron traspasados entre los distintos niveles de valoraci\u00f3n durante el ejercicio 2022
corresponden a las revisiones antes mencionadas de la clasificaci\u00f3n entre niveles porque dichos activos hab\u00edan visto modificada
alguna de sus caracter\u00edsticas. En concreto, los traspasos entre los niveles 1 y 2 se producen en su mayor\u00eda en derivados y valores
representativos de deuda. Asimismo, los traspasos desde el nivel 2 al nivel 3 se dan fundamentalmente en derivados y en dep\u00f3sitos
designados a valor razonable con cambios en resultados, y en relaci\u00f3n a los traspasos desde el nivel 3 al Nivel 2 se centran en
derivados y pr\u00e9stamos y anticipos mantenidos para negociar.
An\u00e1lisis de sensibilidad
El an\u00e1lisis de sensibilidad se realiza sobre los activos con inputs no observables importantes, es decir, para aquellos incluidos en el
nivel 3, para tener un rango razonable de las posibles valoraciones alternativas. Este an\u00e1lisis se lleva a cabo en base a los criterios
definidos por el \u00e1rea Global de Valoraci\u00f3n alineados con los requerimientos regulatorios oficiales de m\u00e9tricas de Prudent Valuation,
teniendo en cuenta la naturaleza de los m\u00e9todos empleados para realizar la valoraci\u00f3n y la fiabilidad y disponibilidad de los inputs y
proxies utilizados. Esto se realiza con el objeto de establecer, con un grado de certeza adecuado, el riesgo valorativo en el que se
incurre en dichos activos sin aplicar criterios de diversificaci\u00f3n entre los mismos.
A 31 de diciembre de 2022, el efecto en los resultados y en el patrimonio neto, consolidados, resultante de cambiar las principales
asunciones utilizadas en la valoraci\u00f3n de los instrumentos financieros del nivel 3 por otras hip\u00f3tesis razonablemente posibles,
tomando el valor m\u00e1s alto (hip\u00f3tesis m\u00e1s favorables) o m\u00e1s bajo (hip\u00f3tesis menos favorables) del rango que se estima probable,
ser\u00eda:
Instrumentos financieros nivel 3: An\u00e1lisis de sensibilidad (Millones de euros)
Impacto potencial en la cuenta de
p\u00e9rdidas y ganancias consolidada
Impacto potencial en otro resultado
global acumulado
Hip\u00f3tesis m\u00e1s
favorables
Hip\u00f3tesis menos
favorables
Hip\u00f3tesis m\u00e1s
favorables
Hip\u00f3tesis menos
favorables
2022
2021
2022
2021
2022
2021
2022
2021
ACTIVOS
Activos financieros mantenidos para
negociar
33
33
(33)
(57)
\u2014
\u2014
\u2014
\u2014
Pr\u00e9stamos y anticipos
1
4
(1)
(4)
\u2014
\u2014
\u2014
\u2014
Valores representativos de deuda
\u2014
24
\u2014
(24)
\u2014
\u2014
\u2014
\u2014
Instrumentos de patrimonio
25
1
(25)
(25)
\u2014
\u2014
\u2014
\u2014
Derivados de negociaci\u00f3n
6
5
(6)
(5)
\u2014
\u2014
\u2014
\u2014
Activos financieros no destinados a
negociaci\u00f3n valorados obligatoriamente a
valor razonable con cambios en resultados
135
35
(136)
(36)
\u2014
\u2014
\u2014
\u2014
Pr\u00e9stamos y anticipos
\u2014
16
\u2014
(5)
\u2014
\u2014
\u2014
\u2014
Valores representativos de deuda
17
10
(19)
(10)
\u2014
\u2014
\u2014
\u2014
Instrumentos de patrimonio
118
9
(118)
(21)
\u2014
\u2014
\u2014
\u2014
Activos financieros designados a valor
razonable con cambios en resultados
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Activos financieros a valor razonable con
cambios en otro resultado global
\u2014
\u2014
\u2014
\u2014
25
41
(25)
(43)
Total
168
68
(169)
(93)
25
41
(25)
(43)
PASIVOS
Pasivos financieros mantenidos para
negociar
7
3
(7)
(3)
\u2014
\u2014
\u2014
\u2014
Total
7
3
(7)
(3)
\u2014
\u2014
\u2014
\u2014
Valor razonable de los instrumentos financieros contabilizados a coste, seg\u00fan criterios de valoraci\u00f3n
A continuaci\u00f3n, se presentan los m\u00e9todos de valoraci\u00f3n utilizados para el c\u00e1lculo del valor razonable de los activos y pasivos
financieros contabilizados a coste:
Activos financieros
\u2013Efectivo, saldos en bancos centrales y otros dep\u00f3sitos a la vista / pr\u00e9stamos y anticipos a bancos centrales / pr\u00e9stamos y
anticipos a entidades de cr\u00e9dito a corto plazo / adquisiciones temporales de activos: En general, su valor razonable se ha
asimilado a su valor en libros, debido a la naturaleza de la contrapartida y por tratarse principalmente de saldos a corto
plazo en los que el valor en libros es la estimaci\u00f3n m\u00e1s razonable del valor del activo.
\u2013Pr\u00e9stamos a entidades de cr\u00e9dito que no sean corto plazo y pr\u00e9stamos a la clientela: En general, estos activos financieros
se valorar\u00e1n mediante el descuento de flujos futuros utilizando la curva de tipos de inter\u00e9s vigente en el momento de la
valoraci\u00f3n ajustada por el diferencial de cr\u00e9dito e incorporando cualquier hip\u00f3tesis de comportamiento si esta resultara
relevante (amortizaciones anticipadas, opcionalidades, etc.).
\u2013Valores representativos de deuda: En general, su valor razonable se ha estimado en funci\u00f3n del precio disponible en
mercado o utilizando metodolog\u00edas internas de valoraci\u00f3n.
Pasivos financieros
\u2013Dep\u00f3sitos de bancos centrales (subastas recurrentes de liquidez y otros instrumentos de pol\u00edtica monetaria de los bancos
centrales) / dep\u00f3sitos de entidades de cr\u00e9dito a corto plazo / cesiones temporales de activos / dep\u00f3sitos de la clientela a
corto plazo: Se considera que, en general, su valor en libros es la mejor estimaci\u00f3n de su valor razonable.
\u2013Dep\u00f3sitos de entidades de cr\u00e9dito que no sean corto plazo y dep\u00f3sitos de la clientela a plazo: Estos dep\u00f3sitos se valorar\u00e1n
mediante el descuento de flujos futuros utilizando la curva de tipos de inter\u00e9s vigente en el momento de la valoraci\u00f3n
ajustada por el diferencial de cr\u00e9dito e incorporando cualquier hip\u00f3tesis de comportamiento si esta resultara relevante
(amortizaciones anticipadas, opcionalidades, etc.).
\u2013Valores representativos de deuda emitidos: Valor razonable estimado, en funci\u00f3n del precio disponible en mercado o
utilizando el m\u00e9todo del valor presente: descuento de flujos futuros de caja previstos, usando tipos de inter\u00e9s de mercado al
momento de valoraci\u00f3n y teniendo en cuenta el diferencial de cr\u00e9dito.
La siguiente tabla presenta el valor razonable de los principales instrumentos financieros registrados a coste amortizado en los
balances consolidados a 31 de diciembre de 2022, 2021 y 2020 desglosados seg\u00fan el m\u00e9todo de valoraci\u00f3n utilizado en su
estimaci\u00f3n:
Valor razonable de instrumentos financieros registrados a coste amortizado por niveles (Millones de euros)
2022
2021
2020
Nivel 1
Nivel 2
Nivel 3
Nivel 1
Nivel 2
Nivel 3
Nivel 1
Nivel 2
Nivel 3
ACTIVOS
Efectivo, saldos en efectivo en bancos
centrales y otros dep\u00f3sitos a la vista
79.463
\u2014
293
67.581
\u2014
218
65.355
\u2014
165
Activos financieros a coste amortizado
34.555
13.393
371.112
33.213
13.033
331.205
35.196
15.066
324.005
PASIVOS
Pasivos financieros a coste amortizado
77.112
266.194
181.746
91.870
243.847
153.016
90.839
255.278
144.889
A continuaci\u00f3n se presentan los principales m\u00e9todos de valoraci\u00f3n, hip\u00f3tesis e inputs utilizados en la estimaci\u00f3n del valor razonable
de los instrumentos financieros contabilizados a coste amortizado clasificados en nivel 2 y nivel 3, seg\u00fan el tipo de instrumento
financiero de que se trate, y los correspondientes saldos a 31 de diciembre de 2022, 2021 y 2020:
Instrumentos financieros registrados a coste amortizado por t\u00e9cnicas de valoraci\u00f3n (Millones de euros)
2022
2021
2020
T\u00e9cnicas de
valoraci\u00f3n
Principales inputs
utilizados
Nivel 2
Nivel 3
Nivel 2
Nivel 3
Nivel 2
Nivel 3
ACTIVOS
Activos financieros a
coste amortizado
13.393
371.112
13.033
331.205
15.066
324.005
M\u00e9todo del valor
presente
(Descuento de
flujos de caja
futuros)
Pr\u00e9stamos y anticipos a
bancos centrales
\u2014
142
\u2014
\u2014
\u2014
\u2014
- Diferencial de
cr\u00e9dito
- Tasa de prepago
- Tipos de inter\u00e9s
Pr\u00e9stamos y anticipos a
entidades de cr\u00e9dito
1.289
14.711
863
12.329
1.883
12.641
- Diferencial de
cr\u00e9dito
- Tasa de prepago
- Tipos de inter\u00e9s
Pr\u00e9stamos y anticipos a
la clientela
1.571
355.247
3.416
318.059
3.904
310.924
- Diferencial de
cr\u00e9dito
- Tasa de prepago
- Tipos de inter\u00e9s
Valores representativos
de deuda
10.533
1.012
8.755
817
9.279
440
- Diferencial de
cr\u00e9dito
- Tipos de inter\u00e9s
PASIVOS
Pasivos financieros a
coste amortizado
266.194
181.746
243.847
153.016
255.278
144.889
Dep\u00f3sitos de bancos
centrales
\u2014
300
\u2014
300
\u2014
207
M\u00e9todo del valor
presente
(Descuento de
flujos de caja
futuros)
- Riesgo de cr\u00e9dito
del emisor
- Tasa de prepago
- Tipos de inter\u00e9s
Dep\u00f3sitos de entidades
de cr\u00e9dito
20.546
6.231
14.853
4.916
22.914
4.633
Dep\u00f3sitos de la clientela
230.821
160.278
209.345
137.803
210.097
129.525
Valores representativos
de deuda emitidos
7.240
8.368
10.014
4.391
14.413
4.848
Otros pasivos
financieros
7.587
6.568
9.636
5.606
7.854
5.676
No todos los activos y pasivos financieros est\u00e1n contabilizados a valor razonable, por lo que se desglosa la informaci\u00f3n referida a los
instrumentos financieros contabilizados a valor razonable y posteriormente la referida a los contabilizados a coste amortizado de los
que tambi\u00e9n se proporciona su valor razonable, aunque no se utilice para su registro en balance.
Valor razonable de los instrumentos financieros contabilizados a valor razonable, seg\u00fan criterios de
valoraci\u00f3n
A continuaci\u00f3n, se presentan los diferentes elementos utilizados en la valoraci\u00f3n de instrumentos financieros.
Mercado activo
En general, BBVA considera como mercado activo aquel que permite la observaci\u00f3n de precios de oferta y demanda representativos
de los niveles a los que uno o m\u00e1s participantes estar\u00edan dispuestos a negociar un determinado activo, con la suficiente frecuencia y
volumen diario.
Adicionalmente, el Grupo BBVA asimilar\u00e1 a los precios de los mercados organizados aquellos provenientes de mercados OTC (over-
the-counter), obtenidos a trav\u00e9s de fuentes independientes con frecuencia al menos diaria, y que cumplan con ciertos requisitos.
La siguiente tabla presenta los instrumentos financieros registrados en los balances consolidados adjuntos, desglosados seg\u00fan el
m\u00e9todo de valoraci\u00f3n utilizado en la estimaci\u00f3n de su valor razonable a 31 de diciembre de 2022, 2021 y 2020:
Valor razonable de los instrumentos financieros por niveles (Millones de euros)
2022
2021
2020
Nivel 1
Nivel 2
Nivel 3
Nivel 1
Nivel 2
Nivel 3
Nivel 1
Nivel 2
Nivel 3
ACTIVOS
Activos financieros mantenidos para negociar
22.710
85.636
2.325
32.371
87.736
3.386
32.555
71.938
1.386
Instrumentos de patrimonio
4.369
\u2014
34
15.925
\u2014
37
11.367
31
60
Valores representativos de deuda
16.284
7.934
148
11.877
13.725
189
12.790
11.123
57
Pr\u00e9stamos y anticipos
1.262
39.562
1.169
615
47.279
2.913
2.379
26.741
1.148
Derivados
795
38.140
974
3.954
26.732
247
6.019
34.043
121
Activos financieros no destinados a negociaci\u00f3n
valorados obligatoriamente a valor razonable con
cambios en resultados
5.720
151
1.017
4.378
522
1.186
3.826
381
992
Instrumentos de patrimonio
5.457
40
1.014
4.158
394
751
3.612
57
465
Valores representativos de deuda
19
111
\u2014
\u2014
128
\u2014
4
324
28
Pr\u00e9stamos y anticipos
245
\u2014
3
220
\u2014
435
210
\u2014
499
Activos financieros designados a valor razonable
con cambios en resultados
913
\u2014
\u2014
916
176
\u2014
939
178
\u2014
Pr\u00e9stamos y anticipos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Valores representativos de deuda
913
\u2014
\u2014
916
176
\u2014
939
178
\u2014
Instrumentos de patrimonio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Activos financieros a valor razonable con cambios
en otro resultado global
48.235
10.237
508
52.157
7.545
719
60.976
7.866
598
Instrumentos de patrimonio
1.040
58
100
1.178
36
106
961
34
105
Valores representativos de deuda
47.169
10.179
408
50.952
7.509
613
59.982
7.832
493
Pr\u00e9stamos y anticipos
26
\u2014
\u2014
27
\u2014
\u2014
33
\u2014
\u2014
Derivados - Contabilidad de coberturas
4
1.887
\u2014
63
1.733
9
120
1.862
8
PASIVOS
Pasivos financieros mantenidos para negociar
20.611
73.871
1.129
26.215
64.305
615
27.587
56.127
395
Derivados
746
36.161
1.002
4.755
26.560
389
7.402
34.046
232
Posiciones cortas de valores
13.354
133
\u2014
15.124
11
\u2014
11.805
504
3
Dep\u00f3sitos
6.511
37.577
127
6.335
37.733
226
8.381
21.577
159
Pasivos financieros designados a valor razonable
con cambios en resultados
\u2014
8.990
1.590
1
8.243
1.439
\u2014
8.558
1.492
Dep\u00f3sitos de la clientela
\u2014
700
\u2014
\u2014
809
\u2014
\u2014
902
\u2014
D\u00e9bitos representados por valores negociables
\u2014
1.698
1.590
1
1.956
1.439
\u2014
3.038
1.492
Otros pasivos financieros
\u2014
6.592
\u2014
\u2014
5.479
\u2014
\u2014
4.617
\u2014
Derivados - Contabilidad de coberturas
100
3.179
25
53
2.573
\u2014
53
2.250
15
A continuaci\u00f3n se presentan los principales m\u00e9todos de valoraci\u00f3n, hip\u00f3tesis e inputs utilizados en la estimaci\u00f3n del valor razonable
de los instrumentos financieros contabilizados a valor razonable clasificados en los Niveles 2 y 3, seg\u00fan el tipo de instrumento
financiero de que se trate, y los correspondientes saldos a 31 de diciembre de 2022, 2021 y 2020:
Instrumentos financieros registrados a valor razonable por niveles (Millones de euros)
2022
2021
2020
Nivel 2
Nivel 3
Nivel 2
Nivel 3
Nivel 2
Nivel 3
T\u00e9cnicas de valoraci\u00f3n
Principales inputs observables
Principales inputs no observables
ACTIVOS
Activos financieros mantenidos para
negociar
85.636
2.325
87.736
3.386
71.938
1.386
Instrumentos de patrimonio
\u2014
34
\u2014
37
31
60
Precios activos similares (Precios
observados en mercado de activos
similares)
Valor actual neto
- Cotizaciones brokers
- Operaciones mercado
- Valores liquidativos publicados por gestoras
- NAV del administrador de fondos
Valores representativos de deuda
7.934
148
13.725
189
11.123
57
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
Precios observados en mercados no activos
o de activos similares
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Precios de mercado no activos
- Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
Pr\u00e9stamos y anticipos
39.562
1.169
47.279
2.913
26.741
1.148
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Tipos de inter\u00e9s de financiaci\u00f3n de activos
observados en mercado o en servicios de
consenso.
- Tipos de cambio.
-Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
- Tipos de inter\u00e9s de financiaci\u00f3n de
activos\u00a0 no observados en mercado o
en servicios de consenso.
Derivados
38.140
974
26.732
247
34.043
121
Tipo de inter\u00e9s
Productos lineales de tipos de inter\u00e9s
(Interest rate swaps, Call money swaps y
FRA): Descuento de flujos.
Caps/Floors: Black 76, Hull-White y SABR
Opciones sobre bonos: Black 76
Swaptions: Black 76, Hull-White y LGM
Otras opciones de tipos de inter\u00e9s: Black,
Hull-White, SABR y Libor Market Model
Constant maturity swaps:SABR
- Tipos de cambio
-\u00a0 Precios futuros cotizados en mercado o en
servicios de consenso
-\u00a0 Tipos de inter\u00e9s mercado
-\u00a0 Precios activos Subyacentes: acciones;
fondos; commodities
-\u00a0 Volatilidades observadas en mercado o en
servicios de consenso
-\u00a0 Niveles de spread de cr\u00e9dito de emisores
-\u00a0 Dividendos cotizados o de consenso
-\u00a0 Correlaciones cotizadas en mercado o
tomadas de servicios de consenso
- Beta
- Correlaciones impl\u00edcitas entre tenors
- Volatilidades Tipos de Inter\u00e9s
Instrumentos de patrimonio
Futuros y forwards de renta variable:
Descuento de flujos
Opciones renta variable: volatilidad local,
Ajuste de momentos y Heston
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo plazo
- Dividendos impl\u00edcitos\u00a0 y tipos repo a
largo plazo
Divisas y oro
Futuros y forwards de renta variable:
Descuento de flujos
Opciones de tipo de cambio: volatilidad
local, ajuste de momentos
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo plazo
Cr\u00e9dito
Derivados cr\u00e9dito: Intensidad de default y
C\u00f3pula Gaussiana
- Correlaci\u00f3n de impago
- Spreads de cr\u00e9dito
- Tasas de recuperaci\u00f3n
- Curvas de tipo de inter\u00e9s
- Volatilidad de impago
Materias primas
Materias primas: Descuento de flujos y
ajuste de momentos;
Activos financieros no destinados a
negociaci\u00f3n valorados obligatoriamente a
valor razonable con cambios en resultados
151
1.017
522
1.186
381
992
Instrumentos de patrimonio
40
1.014
394
751
57
465
Precios activos similares (Precios
observados en mercado de activos
similares)
Valor actual neto
- Cotizaciones brokers
- Operaciones mercado
- Valores liquidativos publicados por gestoras
- NAV del administrador de fondos
Valores representativos de deuda
111
\u2014
128
\u2014
324
28
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
Pr\u00e9stamos y anticipos
\u2014
3
\u2014
435
\u2014
499
Criterios espec\u00edficos de liquidaci\u00f3n de
p\u00e9rdidas contempladas en Protocolo EPA
PD y LGD de modelos internos, tasaciones y
criterios espec\u00edficos Protocolo EPA
Descuento de flujos de caja futuros
- Tasas de prepago
- Plan de negocio del activo subyacente,
WACC, Hip\u00f3tesis Macro
- Valoraci\u00f3n inmobiliaria
Activos financieros designados a valor
razonable con cambios en resultados
\u2014
\u2014
176
\u2014
178
\u2014
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
Valores representativos de deuda
\u2014
\u2014
176
\u2014
178
\u2014
Activos financieros a valor razonable con
cambios en otro resultado global
10.237
508
7.545
719
7.866
598
Instrumentos de patrimonio
58
100
36
106
34
105
Precios activos similares (Precios
observados en mercado de activos
similares)
Valor actual neto
- Cotizaciones brokers
- Operaciones mercado
- Valores liquidativos publicados por gestoras
- NAV del administrador de fondos
Valores representativos de deuda
10.179
408
7.509
613
7.832
493
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
Precios observados en mercados no activos
o de activos similares
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Precios de mercado no activos
- Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
Derivados - Contabilidad de coberturas
1.887
\u2014
1.733
9
1.862
8
Tipo de inter\u00e9s
Productos lineales de tipos de inter\u00e9s
(Interest rate swaps, Call money swaps y
FRA): Descuento de flujos.
Caps/Floors: Black 76, Hull-White y SABR
Opciones sobre bonos: Black 76
Swap options: Black 76, Hull-White y LGM
Otras opciones de tipos de inter\u00e9s: Black 76,
Hull-White, SABR y Libor Market Model
Constant maturity swaps: SABR
-\u00a0 Tipos de cambio
-\u00a0 Precios futuros cotizados en mercado o en
servicios de consenso
-\u00a0 Tipos de inter\u00e9s mercado
-\u00a0 Precios activos Subyacentes: acciones;
fondos; commodities
-\u00a0 Volatilidades observadas en mercado o en
servicios de consenso
-\u00a0 Niveles de spread de cr\u00e9dito de emisores
-\u00a0 Dividendos cotizados o de consenso
-\u00a0 Correlaciones cotizadas en mercado o
tomadas de servicios de consenso
- Beta
- Correlaciones impl\u00edcitas entre tenors
- Volatilidades Tipos de Inter\u00e9s
Instrumentos de patrimonio
Futuros y forwards de renta variable:
Descuento de flujos
Opciones renta variable: Volatilidad local,
Black 76, Ajuste de momentos\u00a0 y Heston
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo plazo
- Dividendos impl\u00edcitos\u00a0 y tipos repo a
largo plazo
Divisas y oro
Futuros y forwards de renta variable:
Descuento de flujos
Opciones de tipo de cambio: Volatilidad
local, Ajuste de momentos
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo plazo
Cr\u00e9dito
Derivados cr\u00e9dito: Intensidad de default y
C\u00f3pula Gaussiana
- Correlaci\u00f3n de impago
- Spreads de cr\u00e9dito
- Tasas de recuperaci\u00f3n
- Curvas de tipo de inter\u00e9s
- Volatilidad de impago
Materias primas
Materias primas: Descuento de flujos y
ajuste de momentos;
Instrumentos financieros registrados a valor razonable por niveles (Millones de euros)
2022
2021
2020
Nivel 2
Nivel 3
Nivel 2
Nivel 3
Nivel 2
Nivel 3
T\u00e9cnicas de valoraci\u00f3n
Principales inputs observables
Principales inputs no observables
PASIVOS
Pasivos financieros mantenidos para
negociar
73.871
1.129
64.305
615
56.127
395
Dep\u00f3sitos
37.577
127
37.733
226
21.577
159
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Tipos de inter\u00e9s de mercado
- Tipos de inter\u00e9s de financiaci\u00f3n de
pasivos observados en mercado o en
servicios de consenso.
- Tipos de cambio.
- Tipos de inter\u00e9s de financiaci\u00f3n de
pasivos no observados en mercado o
en servicios de consenso.
Derivados
36.161
1.002
26.560
389
34.046
232
\u00a0 \u00a0 \u00a0 \u00a0 \u00a0
Tipo de inter\u00e9s
Productos lineales de tipos de inter\u00e9s
(Interest rate swaps, Call money
swaps y FRA): Descuento de flujos.
Caps/Floors: Black 76, Hull-White y
SABR
Opciones sobre bonos: Black 76
Swaptions: Black 76, Hull-White y
LGM
Otras opciones de tipos de inter\u00e9s:
Black 76, Hull-White, SABR y Libor
Market Model
Constant Maturity Swaps: SABR
- Tipos de cambio
-\u00a0 Precios futuros cotizados en
mercado o en servicios de consenso
-\u00a0 Tipos de inter\u00e9s mercado
-\u00a0 Precios activos Subyacentes:
acciones; fondos; commodities
- Volatilidades observadas en
mercado o en servicios de consenso
-\u00a0 Niveles de spread de cr\u00e9dito de
emisores
-\u00a0 Dividendos cotizados o de
consenso
-\u00a0 Correlaciones cotizadas en
mercado o tomadas de servicios de
consenso
- Beta
- Correlaci\u00f3n entre tenors
- Volatilidades tipos de Inter\u00e9s
Instrumentos de patrimonio
Futuros y forwards de renta variable:
Descuento de flujos
Opciones renta variable: Volatilidad
local, Ajuste de momentos\u00a0 y Heston
- Volatility of volatility
- Correlaciones activos
Divisas y oro
Futuros y forwards de renta variable:
Descuento de flujos
Opciones de tipo de cambio: black
76, volatilidad local, ajuste de
momentos
- Volatility of volatility
- Correlaciones activos
Cr\u00e9dito
Derivados cr\u00e9dito: Intensidad de
default y C\u00f3pula Gaussiana
- Correlaci\u00f3n de impago
- Spreads de cr\u00e9dito
- Tasas de recuperaci\u00f3n
- Curvas de tipo de inter\u00e9s
- Volatilidad de impago
Materias primas
Materias primas: Descuento de flujos
y ajuste de momentos;
Posiciones cortas
133
\u2014
11
\u2014
504
3
M\u00e9todo del valor presente
(Descuento de flujos de caja futuros)
- Tasas de prepago
- Diferencial de cr\u00e9dito del emisor
- Tasa de recuperaci\u00f3n
Pasivos financieros designados a
valor razonable con cambios en
resultados
8.990
1.590
8.243
1.439
8.558
1.492
M\u00e9todo del valor presente
(Descuento de flujos de caja
futuros)
- Tasas de prepago
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
- Tasas de prepago
- Riesgo de cr\u00e9dito del emisor
- Tipos de inter\u00e9s de mercado
Derivados - Contabilidad de
coberturas
3.179
25
2.573
\u2014
2.250
15
Tipo de inter\u00e9s
Productos Lineales de Tipos de
inter\u00e9s (Interest rate swaps, Call
money swaps y FRA): Descuento de
Flujos.
Caps/Floors: Black 76, Hull-White y
SABR
Opciones sobre bonos: Black 76
Swaptions: Black 76, Hull-White y
LGM
Otras opciones de tipos de inter\u00e9s:
Black 76, Hull-White, SABR y Libor
Market Model
Constant Maturity Swaps: SABR
-Tipos de cambio
-\u00a0 Precios futuros cotizados en
mercado o en servicios de consenso
- Tipos de inter\u00e9s mercado
-\u00a0 Precios activos subyacentes:
acciones; fondos; commodities
-\u00a0 Volatilidades observadas en
mercado o en servicios de consenso
-\u00a0 Niveles de spread de cr\u00e9dito de
emisores
-\u00a0 Dividendos cotizados o de
consenso
-\u00a0 Correlaciones cotizadas en
mercado o tomadas de servicios de
consenso
- Beta
- Correlaciones impl\u00edcitas entre
tenors
- Volatilidades tipos de inter\u00e9s
Instrumentos de patrimonio
Futuros y forwards de renta variable:
Descuento de flujos
Opciones renta variable: Volatilidad
local, Ajuste de momentos y Heston
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo
plazo
- Dividendos Impl\u00edcitos\u00a0 y tipos repo a
largo plazo
Divisas y oro
Futuros y forwards de renta variable:
Descuento de flujos
Opciones de tipo de cambio: Black
76, Volatilidad local, Ajuste de
momentos
- Volatility of volatility
- Correlaciones impl\u00edcitas activos
- Volatilidades impl\u00edcitas a largo
plazo
Cr\u00e9dito
Derivados cr\u00e9dito: Intensidad de
default y C\u00f3pula Gaussiana
- Correlaci\u00f3n de impago
- Spreads de cr\u00e9dito
- Tasas de recuperaci\u00f3n
- Curvas de tipo de inter\u00e9s
- Volatilidad de impago
Materias primas
Materias primas: Descuento de flujos
y ajuste de momentos
T\u00e9cnicas de valoraci\u00f3n
Las principales t\u00e9cnicas utilizadas para la valoraci\u00f3n de la mayor\u00eda de los instrumentos clasificados en nivel 3, y sus principales inputs
no observables, se describen a continuaci\u00f3n:
\u2013El valor actual neto (m\u00e9todo del valor presente): este modelo utiliza los flujos futuros de caja de cada instrumento, que
vienen establecidos en los diferentes contratos, y los descuenta para calcular su valor actual. Este modelo suele incluir
muchos par\u00e1metros observables en mercado, si bien tambi\u00e9n puede incluir par\u00e1metros no observables directamente en
mercado, como los que se describen a continuaci\u00f3n:
a.Diferencial de cr\u00e9dito: el diferencial de cr\u00e9dito representa la diferencia en el rendimiento de un instrumento y la
tasa de referencia, reflejando el rendimiento adicional que un participante en el mercado demandar\u00eda para tomar
el riesgo de cr\u00e9dito de ese instrumento. Por tanto, el diferencial de cr\u00e9dito de un instrumento forma parte de la
tasa de descuento que se utiliza para calcular el valor presente de los flujos futuros de caja.
b.Tasa de recuperaci\u00f3n: se define como el porcentaje de capital e intereses que se recupera de un instrumento de
deuda que ha sido impagado.
\u2013Precios comparables (precios activos similares): se utilizan precios de instrumentos comparables, \u00edndices de referencia o
benchmark de mercado para calcular su rendimiento desde el precio de entrada o su valoraci\u00f3n actual realizando ajustes
posteriores para tomar en cuenta diferencias que puede haber entre el activo valorado y el que se toma como referencia.
Tambi\u00e9n se puede simplemente asumir que el precio de un instrumento equivale al del otro.
\u2013Net asset value: esta t\u00e9cnica emplea ciertas hip\u00f3tesis para usar el valor actual neto como representativas del valor
razonable, que representa el valor total de los activos y pasivos de un fondo y es publicado por la entidad gestora del
mismo.
\u2013C\u00f3pula gaussiana: en los instrumentos de cr\u00e9dito dependientes de varias referencias, la funci\u00f3n de densidad conjunta a
integrar para valorarlos se construye mediante una c\u00f3pula gaussiana que relaciona las densidades marginales mediante
una distribuci\u00f3n normal, que suele extraerse de la matriz de correlaciones de los eventos de default que se aproxima por la
de los CDS (Credit Default Swaps) de los emisores.
\u2013Black 76: variante del modelo Black Scholes cuya principal aplicaci\u00f3n es la valoraci\u00f3n de opciones de bonos, caps/ floors y
swaptions de los modelos directamente el comportamiento del forward y no el propio spot.
\u2013Black Scholes: El modelo Black Scholes postula una distribuci\u00f3n log-normal de los precios de los valores de modo que, bajo
la medida riesgo neutral, el retorno esperado de los mismos es el tipo de inter\u00e9s libre de riesgo. Bajo esta asunci\u00f3n, el precio
de las opciones vanilla se puede calcular anal\u00edticamente, de modo que invirtiendo la f\u00f3rmula de Black Scholes para una
prima cotizada en mercado, se puede obtener la volatilidad del proceso del precio.
\u2013Heston: El modelo, que normalmente se aplica opciones de renta variable, presume un comportamiento estoc\u00e1stico de la
volatilidad. Seg\u00fan \u00e9ste, la volatilidad sigue un proceso que revierte a un nivel de largo plazo y est\u00e1 correlacionado con el que
sigue el subyacente. Frente a los modelos de volatilidad local, en los que la volatilidad evoluciona determin\u00edsticamente, el
modelo de Heston es m\u00e1s flexible, permitiendo que sea similar al observado en el corto plazo del d\u00eda.
\u2013Libor market model: este modelo presume que la din\u00e1mica de la curva de tipos de inter\u00e9s se puede modelar en base al
proceso conjunto de los forwards que la componen. La matriz de correlaciones se parametriza bajo la hip\u00f3tesis de que la
correlaci\u00f3n entre dos forwards cualesquiera decrece a una tasa instant\u00e1nea constante, beta, en la medida en que disten sus
respectivos vencimientos. El input \u201cVolatilidad de impago\u201d aplicar\u00eda en operativa h\u00edbrida tipos/cr\u00e9dito. El marco
multifactorial del modelo lo hace ideal para la valoraci\u00f3n de instrumentos sensibles a la pendiente o curvatura.
\u2013Local volatility: En los modelos de volatilidad local (en ingl\u00e9s, \u201clocal volatility\u201d), la volatilidad, en lugar de ser est\u00e1tica,
evoluciona determin\u00edsticamente con el tiempo seg\u00fan el nivel de probabilidad de que la opci\u00f3n tenga un valor positivo en su
fecha de vencimiento (nivel denominado en ingl\u00e9s \u201cmoneyness\u201d), reproduciendo las denominadas \u201csonrisas de
volatilidad\u201d (\u201cvolatility smiles\u201d) que se observan en mercado. La sonrisa de volatilidad de una opci\u00f3n es la relaci\u00f3n emp\u00edrica
que se observa entre su volatilidad impl\u00edcita y el precio de ejercicio de la misma. Estos modelos son apropiados en las
opciones cuyo valor depende de la evoluci\u00f3n hist\u00f3rica del subyacente que utilizan simulaci\u00f3n de Monte Carlo para su
valoraci\u00f3n.
Inputs no observables
A continuaci\u00f3n, se presenta la informaci\u00f3n cuantitativa de los inputs no observables utilizados en el c\u00e1lculo de las valoraciones de
nivel 3 a 31 de diciembre de 2022, 2021 y 2020:
Inputs no observables. Diciembre 2022
Instrumento financiero
M\u00e9todo de valoraci\u00f3n
Inputs no observables
significativos
Min
Media
Max
Unidades
Valores representativos
de deuda
M\u00e9todo de valor presente
Diferencial de cr\u00e9dito
\u2014
111
1.538
pb
Tasa de recuperaci\u00f3n
0 %
39 %
40 %
%
Precios comparables
2 %
94 %
139 %
%
Instrumentos de
patrimonio (1)
Valor actual neto
Precios comparables
Pr\u00e9stamos y anticipos
M\u00e9todo de valor presente
Tipos de inter\u00e9s de
financiaci\u00f3n de activos
0,71 %
3,48 %
5,52 %
Abs Repo
rate
Derivados de cr\u00e9dito
C\u00f3pula gaussiana
Correlaci\u00f3n de impago
26 %
44 %
58 %
%
Black 76
Volatilidad del precio
\u2014
\u2014
\u2014
Vegas
Derivados de renta
variable
Modelos de opciones
sobre renta variable
Dividendos (2)
Correlaciones
(93 %)
59 %
99 %
%
Volatilidad
7,81
32,62
98,71
Vegas
Derivados de tipos de
cambio
Modelos de opciones
sobre tipo de cambio
Volatilidad
5,32
11,93
20,73
Vegas
Derivados de tipos de
inter\u00e9s
Modelos de opciones
sobre tipo de inter\u00e9s
Beta
0,25 %
2 %
18 %
%
Correlaci\u00f3n tipo/cr\u00e9dito
(100 %)
100 %
%
Correlaci\u00f3n tipo/
inflaci\u00f3n
51 %
66 %
76 %
%
(1)Debido a la variedad de modelos de valoraci\u00f3n de instrumentos de patrimonio no se incluyen todos los posibles inputs no observables significativos ni por tanto los rangos
cuantitativos de \u00e9stos.
(2) El rango de los dividendos no observables significativos es demasiado amplio para ser relevante a nivel comparativo.
Inputs no observables. Diciembre 2021
Instrumento financiero
M\u00e9todo de valoraci\u00f3n
Inputs no observables
significativos
Min
Media
Max
Unidades
Valores representativos
de deuda
M\u00e9todo de valor presente
Diferencial de cr\u00e9dito
3
125
2.374
pb
Tasa de recuperaci\u00f3n
0 %
37 %
40 %
%
Precios comparables
0,1 %
97 %
144 %
%
Instrumentos de
patrimonio (1)
Valor actual neto
Precios comparables
Pr\u00e9stamos y anticipos
M\u00e9todo de valor presente
Tipos de inter\u00e9s de
financiaci\u00f3n de activos
(2,71 %)
1,16 %
4,99 %
Abs Repo
rate
Derivados de cr\u00e9dito
C\u00f3pula gaussiana
Correlaci\u00f3n de impago
35 %
43 %
53 %
%
Black 76
Volatilidad del precio
\u2014
\u2014
\u2014
Vegas
Derivados de renta
variable
Modelos de opciones
sobre renta variable
Dividendos (2)
Correlaciones
(88 %)
60 %
99 %
%
Volatilidad
5,57
26,30
62,00
Vegas
Derivados de tipos de
cambio
Modelos de opciones
sobre tipo de cambio
Volatilidad
3,96
9,71
16,34
Vegas
Derivados de tipos de
inter\u00e9s
Modelos de opciones
sobre tipo de inter\u00e9s
Beta
0,25 %
2 %
18 %
%
Correlaci\u00f3n tipo/cr\u00e9dito
(100 %)
100 %
%
Volatilidad de impago
\u2014
\u2014
\u2014
Vegas
(1) Debido a la variedad de modelos de valoraci\u00f3n de instrumentos de patrimonio no se incluyen todos los posibles inputs no observables significativos ni por tanto los rangos
cuantitativos de \u00e9stos.
(2) El rango de los dividendos no observables significativos es demasiado amplio para ser relevante a nivel comparativo.
Inputs no observables. Diciembre 2020
Instrumento financiero
M\u00e9todo de valoraci\u00f3n
Inputs no observables
significativos
Min
Media
Max
Unidades
Valores representativos
de deuda
M\u00e9todo de valor presente
Diferencial de cr\u00e9dito
4
47
564
pb
Tasa de recuperaci\u00f3n
0 %
37 %
40 %
%
Precios comparables
0,10 %
100 %
144 %
%
Instrumentos de
patrimonio (1)
Valor actual neto
Precios comparables
Pr\u00e9stamos y anticipos
M\u00e9todo de valor presente
Tipos de inter\u00e9s de
financiaci\u00f3n de activos
(1,18 %)
(0,25 %)
0,74 %
Abs Repo
rate
Derivados de cr\u00e9dito
C\u00f3pula gaussiana
Correlaci\u00f3n de impago
30 %
45 %
61 %
%
Black 76
Volatilidad del precio
\u2014
\u2014
\u2014
Vegas
Derivados de renta
variable
Modelos de opciones
sobre renta variable
Dividendos (2)
Correlaciones
(77 %)
51 %
98 %
%
Volatilidad
6,52
29,90
141,77
Vegas
Derivados de tipo de
cambio
Modelos de opciones
sobre tipo de cambio
Volatilidad
4,11
10,00
16,14
Vegas
Derivados de tipo de
inter\u00e9s
Modelos de opciones
sobre tipo de inter\u00e9s
Beta
0,25 %
2 %
18 %
%
Correlaci\u00f3n tipo/cr\u00e9dito
(100 %)
100 %
%
Volatilidad de impago
\u2014
\u2014
\u2014
Vegas
(1) Corresponde a t\u00edtulos que se mantienen en el balance consolidado a 31 de diciembre de 2022, 2021 y 2020. Los ajustes por valoraci\u00f3n se registran en la cuenta de p\u00e9rdidas y
ganancias consolidada en el ep\u00edgrafe de \u201cGanancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con cambios en resultados, netas\u201d.
(2) De los que en el ejercicio 2021, el movimiento de activo se compone de 2.742 millones de euros de compras y 211 millones de euros de ventas. Los movimientos del pasivo se
componen de 213 millones de euros de compras y 57 millones de euros de ventas.
(3) El saldo de 2020 corresponde principalmente a las sociedades del Grupo que estaban en proceso de venta en Estados Unidos incluidas en la venta a PNC (ver Notas 3 y 21).
Durante el ejercicio 2022 se ha reducido el neto de volumen de exposiciones clasificadas como nivel 3. Esta reducci\u00f3n se concentra
principalmente en posiciones de adquisiciones temporales de activos (ATA), derivado de la rotaci\u00f3n de la cartera hacia posiciones
con mejor observabilidad en el mercado de los inputs aplicados en su valor razonable. Adicionalmente la reducci\u00f3n del volumen de
exposiciones nivel 3 de posiciones de adquisiciones temporales de activos (ATA) se ve mitigada por el incremento en el volumen de
exposiciones nivel 3 en derivados, para los cuales se tiene peor observabilidad en mercado de los inputs aplicados en su valor
razonable.
Durante el ejercicio 2021, se increment\u00f3 la cartera de negociaci\u00f3n principalmente en posici\u00f3n de pr\u00e9stamos y anticipos y su
correspondiente financiaci\u00f3n con dep\u00f3sitos. Alineado con este incremento de la actividad, resulta un mayor volumen de exposiciones
clasificadas como nivel 3, que principalmente corresponden a adquisiciones temporales de activos (ATA), a pesar de mejorar durante
el ejercicio la observabilidad en el mercado de los inputs utilizados para valorar estos activos.
Durante el ejercicio 2020, se realiz\u00f3 una reducci\u00f3n de Activos financieros mantenidos para negociar y Pasivos financieros
mantenidos para negociar clasificados como Nivel 2 en la jerarqu\u00eda de valor razonable por importe de 1.918 millones de euros y una
reducci\u00f3n de Activos financieros mantenidos para negociar y Pasivos financieros mantenidos para negociar clasificados como nivel 3
en la jerarqu\u00eda de valor razonable por importe de 461 millones de euros.
Durante los ejercicios 2022, 2021 y 2020, el resultado por ventas de instrumentos financieros clasificados en nivel 3, registrado en la
cuenta de p\u00e9rdidas y ganancias consolidada no fue significativo.
Traspasos entre niveles
El \u00e1rea de Valoraci\u00f3n Global de Mercados ha establecido los criterios para la adecuada clasificaci\u00f3n de instrumentos financieros
mantenidos para negociar definida por las NIIF.
Mensualmente, los nuevos activos incorporados a la cartera son clasificados, siguiendo estos criterios, por las \u00e1reas locales que, a su
vez, llevan a cabo una revisi\u00f3n trimestral de la cartera existente con objeto de analizar si es preciso modificar la clasificaci\u00f3n de
alguno de los activos existentes.
Los instrumentos financieros que fueron traspasados entre los distintos niveles de valoraci\u00f3n durante los ejercicios 2022, 2021 y
2020 presentan los siguientes saldos en los balances consolidados adjuntos a 31 de diciembre de 2022, 2021 y 2020:
Traspasos de niveles. Diciembre 2022 (Millones de euros)
DE:
Nivel 1
Nivel 2
Nivel 3
A:
Nivel 2
Nivel 3
Nivel 1
Nivel 3
Nivel 1
Nivel 2
Activo
Activos financieros mantenidos para negociar
683
1
1.909
340
24
911
Activos financieros no destinados a
negociaci\u00f3n valorados obligatoriamente a valor
razonable con cambios en resultados
\u2014
\u2014
243
\u2014
53
2
Activos financieros designados a valor
razonable con cambios en resultados
\u2014
\u2014
123
\u2014
\u2014
\u2014
Activos financieros a valor razonable con
cambios en otro resultado global
1.723
\u2014
715
\u2014
18
83
Derivados - Contabilidad de coberturas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Total
2.407
1
2.990
340
95
996
Pasivo
Pasivos financieros mantenidos para negociar
524
\u2014
239
141
\u2014
258
Pasivos financieros designados a valor
razonable con cambios en resultados
\u2014
\u2014
\u2014
221
\u2014
55
Derivados - Contabilidad de coberturas
\u2014
\u2014
\u2014
25
\u2014
\u2014
Total
524
\u2014
239
387
\u2014
313
El importe de los instrumentos financieros que fueron traspasados entre los distintos niveles de valoraci\u00f3n durante el ejercicio 2022
corresponden a las revisiones antes mencionadas de la clasificaci\u00f3n entre niveles porque dichos activos hab\u00edan visto modificada
alguna de sus caracter\u00edsticas. En concreto, los traspasos entre los niveles 1 y 2 se producen en su mayor\u00eda en derivados y valores
representativos de deuda. Asimismo, los traspasos desde el nivel 2 al nivel 3 se dan fundamentalmente en derivados y en dep\u00f3sitos
designados a valor razonable con cambios en resultados, y en relaci\u00f3n a los traspasos desde el nivel 3 al Nivel 2 se centran en
derivados y pr\u00e9stamos y anticipos mantenidos para negociar.
An\u00e1lisis de sensibilidad
El an\u00e1lisis de sensibilidad se realiza sobre los activos con inputs no observables importantes, es decir, para aquellos incluidos en el
nivel 3, para tener un rango razonable de las posibles valoraciones alternativas. Este an\u00e1lisis se lleva a cabo en base a los criterios
definidos por el \u00e1rea Global de Valoraci\u00f3n alineados con los requerimientos regulatorios oficiales de m\u00e9tricas de Prudent Valuation,
teniendo en cuenta la naturaleza de los m\u00e9todos empleados para realizar la valoraci\u00f3n y la fiabilidad y disponibilidad de los inputs y
proxies utilizados. Esto se realiza con el objeto de establecer, con un grado de certeza adecuado, el riesgo valorativo en el que se
incurre en dichos activos sin aplicar criterios de diversificaci\u00f3n entre los mismos.
A 31 de diciembre de 2022, el efecto en los resultados y en el patrimonio neto, consolidados, resultante de cambiar las principales
asunciones utilizadas en la valoraci\u00f3n de los instrumentos financieros del nivel 3 por otras hip\u00f3tesis razonablemente posibles,
tomando el valor m\u00e1s alto (hip\u00f3tesis m\u00e1s favorables) o m\u00e1s bajo (hip\u00f3tesis menos favorables) del rango que se estima probable,
ser\u00eda:
Instrumentos financieros nivel 3: An\u00e1lisis de sensibilidad (Millones de euros)
Impacto potencial en la cuenta de
p\u00e9rdidas y ganancias consolidada
Impacto potencial en otro resultado
global acumulado
Hip\u00f3tesis m\u00e1s
favorables
Hip\u00f3tesis menos
favorables
Hip\u00f3tesis m\u00e1s
favorables
Hip\u00f3tesis menos
favorables
2022
2021
2022
2021
2022
2021
2022
2021
ACTIVOS
Activos financieros mantenidos para
negociar
33
33
(33)
(57)
\u2014
\u2014
\u2014
\u2014
Pr\u00e9stamos y anticipos
1
4
(1)
(4)
\u2014
\u2014
\u2014
\u2014
Valores representativos de deuda
\u2014
24
\u2014
(24)
\u2014
\u2014
\u2014
\u2014
Instrumentos de patrimonio
25
1
(25)
(25)
\u2014
\u2014
\u2014
\u2014
Derivados de negociaci\u00f3n
6
5
(6)
(5)
\u2014
\u2014
\u2014
\u2014
Activos financieros no destinados a
negociaci\u00f3n valorados obligatoriamente a
valor razonable con cambios en resultados
135
35
(136)
(36)
\u2014
\u2014
\u2014
\u2014
Pr\u00e9stamos y anticipos
\u2014
16
\u2014
(5)
\u2014
\u2014
\u2014
\u2014
Valores representativos de deuda
17
10
(19)
(10)
\u2014
\u2014
\u2014
\u2014
Instrumentos de patrimonio
118
9
(118)
(21)
\u2014
\u2014
\u2014
\u2014
Activos financieros designados a valor
razonable con cambios en resultados
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Activos financieros a valor razonable con
cambios en otro resultado global
\u2014
\u2014
\u2014
\u2014
25
41
(25)
(43)
Total
168
68
(169)
(93)
25
41
(25)
(43)
PASIVOS
Pasivos financieros mantenidos para
negociar
7
3
(7)
(3)
\u2014
\u2014
\u2014
\u2014
Total
7
3
(7)
(3)
\u2014
\u2014
\u2014
\u2014
Valor razonable de los instrumentos financieros contabilizados a coste, seg\u00fan criterios de valoraci\u00f3n
A continuaci\u00f3n, se presentan los m\u00e9todos de valoraci\u00f3n utilizados para el c\u00e1lculo del valor razonable de los activos y pasivos
financieros contabilizados a coste:
Activos financieros
\u2013Efectivo, saldos en bancos centrales y otros dep\u00f3sitos a la vista / pr\u00e9stamos y anticipos a bancos centrales / pr\u00e9stamos y
anticipos a entidades de cr\u00e9dito a corto plazo / adquisiciones temporales de activos: En general, su valor razonable se ha
asimilado a su valor en libros, debido a la naturaleza de la contrapartida y por tratarse principalmente de saldos a corto
plazo en los que el valor en libros es la estimaci\u00f3n m\u00e1s razonable del valor del activo.
\u2013Pr\u00e9stamos a entidades de cr\u00e9dito que no sean corto plazo y pr\u00e9stamos a la clientela: En general, estos activos financieros
se valorar\u00e1n mediante el descuento de flujos futuros utilizando la curva de tipos de inter\u00e9s vigente en el momento de la
valoraci\u00f3n ajustada por el diferencial de cr\u00e9dito e incorporando cualquier hip\u00f3tesis de comportamiento si esta resultara
relevante (amortizaciones anticipadas, opcionalidades, etc.).
\u2013Valores representativos de deuda: En general, su valor razonable se ha estimado en funci\u00f3n del precio disponible en
mercado o utilizando metodolog\u00edas internas de valoraci\u00f3n.
Pasivos financieros
\u2013Dep\u00f3sitos de bancos centrales (subastas recurrentes de liquidez y otros instrumentos de pol\u00edtica monetaria de los bancos
centrales) / dep\u00f3sitos de entidades de cr\u00e9dito a corto plazo / cesiones temporales de activos / dep\u00f3sitos de la clientela a
corto plazo: Se considera que, en general, su valor en libros es la mejor estimaci\u00f3n de su valor razonable.
\u2013Dep\u00f3sitos de entidades de cr\u00e9dito que no sean corto plazo y dep\u00f3sitos de la clientela a plazo: Estos dep\u00f3sitos se valorar\u00e1n
mediante el descuento de flujos futuros utilizando la curva de tipos de inter\u00e9s vigente en el momento de la valoraci\u00f3n
ajustada por el diferencial de cr\u00e9dito e incorporando cualquier hip\u00f3tesis de comportamiento si esta resultara relevante
(amortizaciones anticipadas, opcionalidades, etc.).
\u2013Valores representativos de deuda emitidos: Valor razonable estimado, en funci\u00f3n del precio disponible en mercado o
utilizando el m\u00e9todo del valor presente: descuento de flujos futuros de caja previstos, usando tipos de inter\u00e9s de mercado al
momento de valoraci\u00f3n y teniendo en cuenta el diferencial de cr\u00e9dito.
La siguiente tabla presenta el valor razonable de los principales instrumentos financieros registrados a coste amortizado en los
balances consolidados a 31 de diciembre de 2022, 2021 y 2020 desglosados seg\u00fan el m\u00e9todo de valoraci\u00f3n utilizado en su
estimaci\u00f3n:
Valor razonable de instrumentos financieros registrados a coste amortizado por niveles (Millones de euros)
2022
2021
2020
Nivel 1
Nivel 2
Nivel 3
Nivel 1
Nivel 2
Nivel 3
Nivel 1
Nivel 2
Nivel 3
ACTIVOS
Efectivo, saldos en efectivo en bancos
centrales y otros dep\u00f3sitos a la vista
79.463
\u2014
293
67.581
\u2014
218
65.355
\u2014
165
Activos financieros a coste amortizado
34.555
13.393
371.112
33.213
13.033
331.205
35.196
15.066
324.005
PASIVOS
Pasivos financieros a coste amortizado
77.112
266.194
181.746
91.870
243.847
153.016
90.839
255.278
144.889
A continuaci\u00f3n se presentan los principales m\u00e9todos de valoraci\u00f3n, hip\u00f3tesis e inputs utilizados en la estimaci\u00f3n del valor razonable
de los instrumentos financieros contabilizados a coste amortizado clasificados en nivel 2 y nivel 3, seg\u00fan el tipo de instrumento
financiero de que se trate, y los correspondientes saldos a 31 de diciembre de 2022, 2021 y 2020:
Instrumentos financieros registrados a coste amortizado por t\u00e9cnicas de valoraci\u00f3n (Millones de euros)
2022
2021
2020
T\u00e9cnicas de
valoraci\u00f3n
Principales inputs
utilizados
Nivel 2
Nivel 3
Nivel 2
Nivel 3
Nivel 2
Nivel 3
ACTIVOS
Activos financieros a
coste amortizado
13.393
371.112
13.033
331.205
15.066
324.005
M\u00e9todo del valor
presente
(Descuento de
flujos de caja
futuros)
Pr\u00e9stamos y anticipos a
bancos centrales
\u2014
142
\u2014
\u2014
\u2014
\u2014
- Diferencial de
cr\u00e9dito
- Tasa de prepago
- Tipos de inter\u00e9s
Pr\u00e9stamos y anticipos a
entidades de cr\u00e9dito
1.289
14.711
863
12.329
1.883
12.641
- Diferencial de
cr\u00e9dito
- Tasa de prepago
- Tipos de inter\u00e9s
Pr\u00e9stamos y anticipos a
la clientela
1.571
355.247
3.416
318.059
3.904
310.924
- Diferencial de
cr\u00e9dito
- Tasa de prepago
- Tipos de inter\u00e9s
Valores representativos
de deuda
10.533
1.012
8.755
817
9.279
440
- Diferencial de
cr\u00e9dito
- Tipos de inter\u00e9s
PASIVOS
Pasivos financieros a
coste amortizado
266.194
181.746
243.847
153.016
255.278
144.889
Dep\u00f3sitos de bancos
centrales
\u2014
300
\u2014
300
\u2014
207
M\u00e9todo del valor
presente
(Descuento de
flujos de caja
futuros)
- Riesgo de cr\u00e9dito
del emisor
- Tasa de prepago
- Tipos de inter\u00e9s
Dep\u00f3sitos de entidades
de cr\u00e9dito
20.546
6.231
14.853
4.916
22.914
4.633
Dep\u00f3sitos de la clientela
230.821
160.278
209.345
137.803
210.097
129.525
Valores representativos
de deuda emitidos
7.240
8.368
10.014
4.391
14.413
4.848
Otros pasivos
financieros
7.587
6.568
9.636
5.606
7.854
5.676
(1) La variaci\u00f3n se debe principalmente a la evoluci\u00f3n de los derivados de tipo de cambio en BBVA, S.A.
(2) La variaci\u00f3n se debe principalmente a ventas en BBVA, S.A.
(3) La variaci\u00f3n se debe principalmente a la evoluci\u00f3n de \"Adquisici\u00f3n temporal de activos\" de BBVA, S.A.\u00a0
A 31 de diciembre de 2022, 2021 y 2020, el ep\u00edgrafe de \u201cPosiciones cortas de valores\u201d incluye 12.544, 14.298 y 11.696 millones de
euros mantenidos con las administraciones p\u00fablicas, respectivamente.
Derivados
La cartera de derivados surge de la necesidad del Grupo de gestionar los riesgos en que incurre en el curso normal de su actividad as\u00ed
como la comercializaci\u00f3n de productos a los clientes. A 31 de diciembre de 2022, 2021 y 2020, los derivados estaban, en su mayor
parte, contratados en mercados no organizados, ten\u00edan sus contrapartidas en entidades de cr\u00e9dito y otras sociedades financieras y
estaban relacionados con riesgos de cambio, de tipo de inter\u00e9s y de instrumentos de patrimonio.
A continuaci\u00f3n, se presenta un desglose, por tipo de riesgo y tipo de mercado, del valor razonable as\u00ed como los nocionales
relacionados de los derivados financieros registrados en los balances consolidados adjuntos, distinguiendo entre los contratados en
mercados organizados y mercados no organizados:
Derivados por tipo de riesgo y por tipo de producto o mercado (Millones de euros)
2022
2021
2020
Activos
Pasivos
Importe
nocional -
Total
Activos
Pasivos
Importe
nocional -
Total
Activos
Pasivos
Importe
nocional -
Total
Tipo de inter\u00e9s
19.563
18.220
4.286.531
15.782
15.615
3.902.760
26.451
26.028
3.252.066
OTC
19.558
18.215
4.278.249
15.774
15.610
3.884.561
26.447
26.020
3.233.718
Mercados organizados
5
5
8.282
8
5
18.199
3
8
18.348
Instrumentos de
patrimonio
3.067
3.770
76.749
2.802
4.123
72.656
2.626
4.143
72.176
OTC
1.810
2.127
52.739
775
1.930
48.695
584
1.836
42.351
Mercados organizados
1.257
1.643
24.010
2.028
2.192
23.962
2.042
2.307
29.825
Divisas y oro
16.971
15.528
589.705
12.104
11.471
533.395
10.952
11.216
461.898
OTC
16.954
15.505
580.850
12.090
11.445
526.590
10.942
11.216
457.180
Mercados organizados
17
23
8.855
14
26
6.805
10
\u2014
4.719
Cr\u00e9dito
299
383
43.450
236
490
19.937
153
292
23.411
Permutas de cobertura
por impago
293
282
41.760
236
254
18.121
146
156
21.529
Opciones sobre el
diferencial de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Permutas de
rendimiento total
7
101
1.665
\u2014
236
1.815
7
136
1.882
Otros
\u2014
\u2014
25
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Materias primas
9
8
60
8
7
149
1
1
26
DERIVADOS
39.908
37.909
4.996.495
30.933
31.705
4.528.897
40.183
41.680
3.809.577
De los cuales: OTC -
entidades de cr\u00e9dito
28.385
26.454
1.205.895
21.069
22.488
1.073.921
24.432
27.244
958.017
De los cuales: OTC -
otras sociedades
financieras
5.745
4.493
3.587.546
3.300
3.075
3.257.382
8.211
8.493
2.663.978
De los cuales: OTC -
resto
4.501
5.290
161.882
4.514
3.919
148.629
5.484
3.627
134.690
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor
razonable con cambios en resultados
La composici\u00f3n del saldo de este cap\u00edtulo de los balances consolidados adjuntos es la siguiente:
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable con cambios en resultados
(Millones de euros)
Notas
2022
2021
2020
Instrumentos de patrimonio (1)
7.2.2
6.511
5.303
4.133
Valores representativos de deuda
7.2.2
129
128
356
Pr\u00e9stamos y anticipos a la clientela
7.2.2
247
655
709
Total
8.1
6.888
6.086
5.198
(1) En 2022 se anunci\u00f3 el acuerdo con la compa\u00f1\u00eda Neon Payments Limited para la suscripci\u00f3n de acciones preferentes representativas de aproximadamente el 21,7% de su
capital social (ver Nota 3).
Activos y pasivos financieros designados a valor razonable con cambios en
resultados
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es la siguiente:
Activos y pasivos financieros designados a valor razonable con cambios en resultados (Millones de euros)
Notas
2022
2021
2020
ACTIVOS
Valores representativos de deuda
7.2.2 / 8.1
913
1.092
1.117
PASIVOS
Dep\u00f3sitos de la clientela
700
809
902
Valores representativos de deuda emitidos
3.288
3.396
4.531
Otros pasivos financieros: Seguros de vida en los que el tomador
asume el riesgo
6.592
5.479
4.617
Total pasivos
8.1
10.580
9.683
10.050
Dentro de estos cap\u00edtulos se recogen los pasivos vinculados a los productos de seguros en los que el tomador asume el riesgo (unit-
link). Dado que los pasivos vinculados a los productos de seguros en los que el tomador asume el riesgo se valoran como el activo
asociado a dichos seguros, no existe ning\u00fan componente de riesgo de cr\u00e9dito asumido por el Grupo en relaci\u00f3n a estos pasivos.
As\u00ed mismo, se recogen valores representativos de deuda con el objetivo de reducir las inconsistencias (asimetr\u00edas) que pudieran
surgir en la valoraci\u00f3n de dichas operaciones y las utilizadas para gestionar el riesgo de las mismas.
Activos financieros a valor razonable con cambios en otro resultado globalComposici\u00f3n del saldo
La composici\u00f3n del saldo de este cap\u00edtulo de los balances consolidados adjuntos, por tipos de instrumentos financieros, es la
siguiente:
Activos financieros a valor razonable con cambios en otro resultado global (Millones de euros)
Notas
2022
2021
2020
Instrumentos de patrimonio
7.2.2
1.198
1.320
1.100
Valores representativos de deuda (1)
57.755
59.074
68.308
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
7.2.2
26
27
33
Total
8.1
58.980
60.421
69.440
Del que: correcciones de valor de valores representativos de deuda
(121)
(74)
(97)
Valores representativos de deuda
El desglose del saldo del ep\u00edgrafe \u201cValores representativos de deuda\u201d de los balances consolidados adjuntos a 31 de diciembre de
2022, 2021 y 2020, por instrumentos financieros, es el siguiente:
Activos financieros a valor razonable con cambios en otro resultado global. Valores representativos de deuda (Millones de euros)
2022
2021
2020
Coste\u00a0 \u00a0 \u00a0
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Coste\u00a0 \u00a0 \u00a0
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Coste\u00a0 \u00a0 \u00a0
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Valores espa\u00f1oles
Deuda del estado y otras
administraciones p\u00fablicas
17.799
154
(524)
17.429
15.889
656
\u2014
16.544
28.582
801
(16)
29.367
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
865
10
(20)
854
1.125
51
\u2014
1.176
1.363
76
\u2014
1.439
Otras entidades
500
5
(10)
495
612
24
(1)
635
867
40
(1)
906
Subtotal
19.164
169
(555)
18.779
17.625
731
(2)
18.355
30.811
917
(17)
31.712
Valores extranjeros
M\u00e9xico
11.566
3
(759)
10.810
11.097
32
(359)
10.769
9.107
291
(3)
9.395
Deuda del estado y otras
administraciones p\u00fablicas
11.013
2
(736)
10.278
10.467
21
(348)
10.141
8.309
271
(1)
8.579
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
130
\u2014
(10)
119
120
3
(6)
118
113
5
\u2014
118
Otras entidades
423
2
(12)
413
509
7
(6)
510
685
15
(2)
698
Italia
4.568
53
(106)
4.515
7.407
213
(12)
7.608
3.897
367
\u2014
4.263
Deuda del estado y otras
administraciones p\u00fablicas
4.402
52
(104)
4.349
7.274
212
(12)
7.474
3.789
366
\u2014
4.154
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
39
\u2014
\u2014
39
47
\u2014
\u2014
47
48
\u2014
\u2014
48
Otras entidades
127
1
(1)
126
86
1
\u2014
87
60
1
\u2014
61
Jap\u00f3n
2.920
7
(1)
2.926
4.961
7
\u2014
4.968
4.551
1
(3)
4.549
Deuda del estado y otras
administraciones p\u00fablicas
2.824
6
\u2014
2.830
4.906
7
\u2014
4.913
4.492
\u2014
(3)
4.489
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
14
\u2014
(1)
13
18
\u2014
\u2014
18
\u2014
\u2014
\u2014
\u2014
Otras entidades
82
1
\u2014
83
36
1
\u2014
37
59
1
\u2014
60
Estados Unidos
5.245
39
(263)
5.020
3.900
44
(18)
3.926
4.642
52
(3)
4.691
Deuda del estado y otras
administraciones p\u00fablicas
2.956
17
(257)
2.716
1.754
7
(17)
1.744
2.307
9
(1)
2.315
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
89
1
\u2014
89
114
2
\u2014
116
186
3
\u2014
188
Otras entidades
2.200
21
(6)
2.215
2.032
35
(1)
2.065
2.149
40
(2)
2.187
Turqu\u00eda
3.213
700
(56)
3.858
2.888
199
(168)
2.920
3.456
90
(73)
3.473
Deuda del estado y otras
administraciones p\u00fablicas
3.213
700
(56)
3.858
2.888
199
(168)
2.920
3.456
90
(73)
3.473
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otras entidades
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros pa\u00edses
11.928
194
(274)
11.848
10.298
286
(55)
10.529
9.892
372
(39)
10.225
Deuda de otros estados y
otras administraciones
p\u00fablicas
3.093
120
(154)
3.059
2.488
115
(29)
2.574
2.177
136
(14)
2.300
Bancos centrales
3.098
8
(12)
3.094
1.698
3
(5)
1.696
1.599
21
(8)
1.611
Entidades de cr\u00e9dito
2.087
40
(59)
2.068
2.306
92
(16)
2.382
2.468
116
(8)
2.576
Otras entidades
3.649
27
(49)
3.627
3.807
76
(6)
3.877
3.648
99
(8)
3.738
Subtotal
39.440
996
(1.459)
38.977
40.551
780
(612)
40.719
35.545
1.172
(120)
36.596
Total
58.605
1.165
(2.014)
57.755
58.176
1.511
(614)
59.074
66.356
2.089
(137)
68.308
A 31 de diciembre de 2022, 2021 y 2020, la distribuci\u00f3n atendiendo a la calidad crediticia (ratings) de los emisores de los valores
representativos de deuda era la siguiente:
Valores representativos de deuda por rating
2022
2021
2020
Valor razonable
(Millones de
euros)
%
Valor razonable
(Millones de
euros)
%
Valor razonable
(Millones de
euros)
%
AAA
3.339
5,8 %
2.413
4,1 %
4.345
6,4 %
AA+
490
0,8 %
586
1,0 %
595
0,9 %
AA
416
0,7 %
646
1,1 %
449
0,7 %
AA-
472
0,8 %
327
0,6 %
406
0,6 %
A+
3.866
6,7 %
6.179
10,5 %
5.912
8,7 %
A
1.663
2,9 %
1.676
2,8 %
2.112
3,1 %
A-
20.350
35,2 %
18.760
31,8 %
31.614
46,3 %
BBB+
11.423
19,8 %
11.465
19,4 %
8.629
12,6 %
BBB
7.328
12,7 %
10.961
18,6 %
4.054
5,9 %
BBB-
964
1,7 %
1.310
2,2 %
5.116
7,5 %
Con rating igual o inferior a BB+
7.202
12,5 %
4.379
7,4 %
4.731
6,9 %
Sin clasificar
241
0,4 %
372
0,6 %
345
0,5 %
Total
57.755
100,0 %
59.074
100,0 %
68.308
100,0 %
Plusval\u00edas/minusval\u00edas
El movimiento de las plusval\u00edas/minusval\u00edas (netas de impuestos) producidas en los ejercicios 2022, 2021 y 2020 de los valores
representativos de deuda registradas en el ep\u00edgrafe \u201cOtro resultado global acumulado - Elementos que pueden reclasificarse en
resultados \u2013 Cambios del valor razonable de los instrumentos de deuda valorados a valor razonable con cambios en otro resultado
global\u201d y de los instrumentos de patrimonio registrados en el ep\u00edgrafe \u201cOtro resultado global acumulado \u2013 Elementos que no se
reclasificar\u00e1n en resultados \u2013 Cambios del valor razonable de los instrumentos de patrimonio valorados a valor razonable con
cambios en otro resultado global\u201d de los balances consolidados adjuntos fue el siguiente:
Otro resultado global acumulado - Movimiento plusval\u00edas / minusval\u00edas (Millones de euros)
Valores representativos de deuda
Instrumentos de patrimonio
Notas
2022
2021
2020
2022
2021
2020
Saldo inicial
1.274
2.069
1.760
(1.079)
(1.256)
(403)
Ganancias y p\u00e9rdidas por valoraci\u00f3n
(2.694)
(1.058)
489
(167)
183
(803)
Importes transferidos a resultados
20
(63)
(72)
Importes transferidos a reservas
(2)
\u2014
(73)
Impuestos sobre beneficios y otros
838
325
(107)
54
(7)
23
Saldo final
30
(562)
1.274
2.069
(1.194)
(1.079)
(1.256)
Durante los ejercicios 2022, 2021 y 2020 no se han producido reclasificaciones significativas desde el ep\u00edgrafe \u201cActivos financieros a
coste amortizado\u201d hacia otros ep\u00edgrafes, ni desde otros ep\u00edgrafes hacia el ep\u00edgrafe \u201cActivos financieros a coste amortizado\u201d.
Valores representativos de deuda
El desglose del saldo del ep\u00edgrafe \u201cValores representativos de deuda\u201d de los balances consolidados adjuntos, por tipo de instrumento
financiero, es el siguiente:
Activos financieros a coste amortizado. Valores representativos de deuda. (Millones de euros)
2022
2021
2020
Coste
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Coste
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Coste\u00a0 \u00a0 \u00a0
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Valores espa\u00f1oles
Deuda del estado y
otras administraciones
p\u00fablicas
18.397
10
(1.330)
17.077
17.693
1.326
(7)
19.013
13.656
1.212
\u2014
14.868
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otras entidades
144
1
(18)
127
337
10
(6)
341
4.835
59
(7)
4.887
Subtotal
18.541
11
(1.348)
17.204
18.031
1.336
(13)
19.353
18.492
1.271
(7)
19.756
Valores extranjeros
M\u00e9xico
10.743
\u2014
\u2014
10.743
8.464
182
(138)
8.508
7.771
534
(16)
8.289
Deuda del estado y
otras administraciones
p\u00fablicas
9.806
\u2014
\u2014
9.806
7.669
170
(131)
7.708
6.963
479
\u2014
7.442
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
745
\u2014
\u2014
745
614
11
\u2014
625
632
55
\u2014
687
Otras entidades
192
\u2014
\u2014
192
181
1
(7)
175
176
\u2014
(16)
160
Estados Unidos
2.412
\u2014
(10)
2.402
93
\u2014
\u2014
93
52
\u2014
(26)
26
Deuda del estado y
otras administraciones
p\u00fablicas
2.159
\u2014
(5)
2.154
10
\u2014
\u2014
10
14
\u2014
\u2014
14
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
28
\u2014
(2)
27
26
\u2014
\u2014
26
23
\u2014
(16)
7
Otras entidades
224
\u2014
(3)
221
57
\u2014
\u2014
57
15
\u2014
(10)
5
Turqu\u00eda
5.332
\u2014
\u2014
5.332
2.634
143
(95)
2.682
3.628
95
(25)
3.698
Deuda del estado y
otras administraciones
p\u00fablicas
5.325
\u2014
\u2014
5.325
2.628
143
(95)
2.676
3.621
95
(25)
3.691
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
6
\u2014
\u2014
6
5
\u2014
\u2014
5
6
\u2014
\u2014
6
Otras entidades
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
1
\u2014
\u2014
1
Otros pa\u00edses
6.578
44
(343)
6.280
5.559
289
(37)
5.812
5.795
505
(1)
6.299
Deuda de otros
estados y otras
administraciones
p\u00fablicas
4.701
32
(311)
4.423
4.144
257
(28)
4.374
4.473
467
(1)
4.939
Bancos centrales
21
\u2014
(1)
21
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
397
2
(11)
389
171
\u2014
\u2014
171
122
\u2014
\u2014
122
Otras entidades
1.458
10
(21)
1.448
1.243
32
(9)
1.267
1.200
38
\u2014
1.238
Subtotal
25.065
45
(353)
24.757
16.750
614
(270)
17.094
17.245
1.134
(68)
18.311
Total
43.606
56
(1.701)
41.961
34.781
1.950
(284)
36.447
35.737
2.405
(75)
38.067
A 31 de diciembre de 2022, 2021 y 2020, la distribuci\u00f3n atendiendo a la calidad crediticia (ratings) de los emisores de los valores
representativos de deuda clasificados como activos financieros a coste amortizado, ha sido la siguiente:
Valores representativos de deuda por rating
2022
2021
2020
Saldo contable
(Millones de
euros)
%
Saldo contable
(Millones de
euros)
%
Saldo contable
(Millones de
euros)
%
AAA
3.068
7,0 %
143
0,4 %
151
0,4 %
AA+
217
0,5 %
77
0,2 %
74
0,2 %
AA
86
0,2 %
76
0,2 %
64
0,2%
AA-
108
0,2 %
69
0,2 %
48
0,1%
A+
13
\u2014 %
62
0,2%
42
\u2014%
A
592
1,4 %
619
1,8 %
590
1,7 %
A-
17.050
39,1 %
16.312
46,9 %
16.736
46,8 %
BBB+
11.037
25,3 %
9.336
26,8 %
7.919
22,2 %
BBB
4.265
9,8 %
3.853
11,1 %
942
2,6 %
BBB-
535
1,2 %
527
1,5 %
4.499
12,6 %
Con rating igual o inferior a BB+
5.967
13,7 %
3.120
9,0 %
3.928
11,0 %
Sin clasificar
667
1,5 %
587
1,7 %
743
2,1 %
Total
43.606
100,0 %
34.781
100,0 %
35.737
100,0 %
Pr\u00e9stamos y anticipos a la clientela
La composici\u00f3n del saldo de este ep\u00edgrafe de los balances consolidados adjuntos, atendiendo a la naturaleza del instrumento
financiero en el que tiene su origen, es la siguiente:
Pr\u00e9stamos y anticipos a la clientela (Millones de euros)
2022
2021
2020
A la vista y con breve plazo de preaviso (cuenta corriente)
4.101
3.161
2.835
Deuda por tarjetas de cr\u00e9dito
18.898
14.030
13.093
Cartera comercial
25.987
19.524
15.544
Arrendamientos financieros
8.571
7.911
7.650
Adquisici\u00f3n temporal de activos
102
23
71
Otros pr\u00e9stamos a plazo
294.059
268.047
267.031
Anticipos distintos de pr\u00e9stamos
6.305
6.243
4.924
Total\u00a0
358.023
318.939
311.147
A 31 de diciembre de 2022, 2021 y 2020 el 51%, el 50% y el 47% respectivamente, de las operaciones de \u201cPr\u00e9stamos y anticipos a la
clientela\u201d con vencimiento superior a un a\u00f1o estaban formalizadas a tipo de inter\u00e9s fijo y el 49%, 50% y 53% a tipo de inter\u00e9s
variable, respectivamente.
Adicionalmente, este ep\u00edgrafe tambi\u00e9n incluye ciertos pr\u00e9stamos que han sido titulizados. Los saldos registrados en los balances
consolidados adjuntos correspondientes a los pr\u00e9stamos titulizados son los siguientes:
Pr\u00e9stamos titulizados (Millones de euros)
2022
2021
2020
Activos hipotecarios titulizados
23.290
23.695
23.953
Otros activos titulizados
5.495
6.547
6.144
Total
28.784
30.242
30.098
A 31 de diciembre de 2022, 2021 y 2020, las principales posiciones cubiertas por el Grupo y los derivados asignados para cubrir
dichas posiciones eran:
\u2013Cobertura de valor razonable:
a.T\u00edtulos de deuda a tipo de inter\u00e9s fijo a valor razonable con cambios en otro resultado global y a coste amortizado: El
riesgo se cubre utilizando derivados de tipo de inter\u00e9s (permutas fijo-variable), y ventas a plazo.
b.T\u00edtulos de deuda de renta fija a largo plazo emitidos por el Banco: El riesgo se cubre utilizando derivados de tipo de
inter\u00e9s (permutas fijo-variable).
c.Pr\u00e9stamos a tipo fijo: El riesgo se cubre utilizando derivados de tipo de inter\u00e9s (permutas fijo-variable).
d.Macro-coberturas de carteras de dep\u00f3sitos prestados a tipo fijo y/o con derivados de inter\u00e9s impl\u00edcito: Se cubre el
riesgo de tipo de inter\u00e9s con permutas fijo-variable. La valoraci\u00f3n de los dep\u00f3sitos prestados correspondiente al riesgo
de tipo de inter\u00e9s se registra en el ep\u00edgrafe \u201cCambios del valor razonable de los elementos cubiertos de una cartera con
cobertura del riesgo del tipo de inter\u00e9s\u201d.
\u2013Coberturas de flujos de efectivo: La mayor\u00eda de las partidas cubiertas son pr\u00e9stamos a tipo de inter\u00e9s variable y coberturas
de activos indexados a la inflaci\u00f3n en las carteras de coste amortizado y a valor razonable con cambios en otro resultado
global. Este riesgo se cubre con permutas de tipo de cambio, de tipo de inter\u00e9s, de inflaci\u00f3n y con FRA (forward rate
agreement).
\u2013Coberturas de inversiones netas en moneda extranjera: Los riesgos cubiertos son las inversiones realizadas en moneda
extranjera por el Banco en las sociedades del Grupo radicadas en el extranjero. Este riesgo se cubre principalmente con
opciones de tipo de cambio y compraventas a plazo de divisa.
En la Nota 7 se analiza la naturaleza de los principales riesgos del Grupo cubiertos a trav\u00e9s de estos instrumentos financieros.
A continuaci\u00f3n se presenta un desglose, por tipo de producto y riesgo cubierto, del valor razonable de los derivados financieros de
cobertura registrados en los balances consolidados adjuntos:
Derivados \u2013 Contabilidad de coberturas. Desglose por tipos de riesgo y tipos de cobertura (Millones de euros)
2022
2021
2020
Activo
Pasivo
Activo
Pasivo
Activo
Pasivo
Tipo de inter\u00e9s
656
376
697
322
989
525
OTC
656
376
697
322
989
525
Mercados organizados
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Instrumentos de patrimonio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
OTC
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Mercados organizados
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Divisas y oro
259
83
463
135
435
350
OTC
259
83
463
135
435
350
Mercados organizados
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Materias primas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros
\u2014
\u2014
\u2014
\u2014
COBERTURAS DE VALOR RAZONABLE
915
459
1.160
457
1.424
874
Tipo de inter\u00e9s
470
2.763
228
1.786
154
1.055
OTC
454
2.763
226
1.786
154
1.041
Mercados organizados
16
2
\u2014
\u2014
15
Instrumentos de patrimonio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Divisas y oro
239
46
180
79
225
55
OTC
239
45
180
79
225
50
Mercados organizados
\u2014
1
\u2014
\u2014
\u2014
5
Cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Materias primas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
COBERTURAS DE FLUJOS DE EFECTIVO
708
2.809
408
1.865
379
1.111
COBERTURA DE LAS INVERSIONES
NETAS EN NEGOCIOS EN EL
EXTRANJERO
213
26
198
196
166
139
COBERTURAS DEL VALOR RAZONABLE
DEL RIESGO DEL TIPO DE INTER\u00c9S DE LA
CARTERA
7
8
18
95
18
170
COBERTURAS DE FLUJOS DE EFECTIVO
DEL RIESGO DE TIPO DE INTER\u00c9S DE LA
CARTERA
48
1
21
13
3
23
DERIVADOS - CONTABILIDAD DE
COBERTURAS
1.891
3.303
1.805
2.626
1.991
2.318
De los cuales:
OTC - entidades de cr\u00e9dito
1.577
2.911
1.454
2.248
1.718
1.965
De los cuales:
OTC - otras sociedades financieras
297
391
349
378
273
333
(1) El saldo correspondiente a coberturas discontinuadas no es significativo.
A continuaci\u00f3n se presenta el calendario de los vencimientos de los nocionales de los instrumentos de cobertura a 31 de diciembre de
2022:
Calendario del importe nominal del instrumento de cobertura (Millones de euros)
Hasta 3
meses
Entre 3
meses y 1
a\u00f1o
Entre 1 a\u00f1o
y 5 a\u00f1os
M\u00e1s de
5 a\u00f1os
Total
COBERTURAS DE VALOR RAZONABLE
2.697
5.629
31.055
12.944
52.325
Del que: Tipo de inter\u00e9s
2.697
5.524
29.031
12.944
50.196
COBERTURAS DE FLUJOS DE EFECTIVO
4.495
17.900
27.732
3.051
53.178
Del que: Tipo de inter\u00e9s
4.430
17.900
25.777
2.932
51.040
COBERTURA DE LAS INVERSIONES NETAS EN
NEGOCIOS EN EL EXTRANJERO
5.292
4.738
\u2014
\u2014
10.031
COBERTURAS DEL VALOR RAZONABLE DEL RIESGO DEL
TIPO DE INTER\u00c9S DE LA CARTERA
87
27
1.609
1.067
2.790
COBERTURAS DE FLUJOS DE EFECTIVO DEL RIESGO DE
TIPO DE INTER\u00c9S DE LA CARTERA
340
140
573
65
1.118
DERIVADOS - CONTABILIDAD DE COBERTURAS
12.912
28.434
60.969
17.128
119.442
Pasivos financieros a coste amortizadoComposici\u00f3n del saldo
La composici\u00f3n del saldo de este cap\u00edtulo de los balances consolidados adjuntos es:
Pasivos financieros a coste amortizado (Millones de euros)
2022
2021
2020
Dep\u00f3sitos
459.114
416.947
415.467
Dep\u00f3sitos de bancos centrales
38.323
47.351
45.177
Cuentas a la vista
205
8
163
Cuentas a plazo y otros
33.534
41.790
38.274
Cesi\u00f3n temporal de activos
4.584
5.553
6.740
Dep\u00f3sitos de entidades de cr\u00e9dito
26.935
19.834
27.629
Cuentas a la vista
11.434
7.601
7.196
Cuentas a plazo y otros
11.787
8.599
16.079
Cesi\u00f3n temporal de activos
3.714
3.634
4.354
Dep\u00f3sitos de la clientela
393.856
349.761
342.661
Cuentas a la vista
316.082
293.015
266.250
Cuentas a plazo y otros
75.516
55.479
75.666
Cesi\u00f3n temporal de activos
2.259
1.267
746
Valores representativos de deuda emitidos
55.429
55.763
61.780
Otros pasivos financieros
14.086
15.183
13.358
Total
528.629
487.893
490.606
La variaci\u00f3n del saldo se debe fundamentalmente a las siguientes operaciones:
Valores perpetuos eventualmente convertibles
La Junta General Ordinaria de Accionistas del Banco celebrada el 17 de marzo de 2017 acord\u00f3, en el punto quinto de su orden del d\u00eda,
delegar en el Consejo de Administraci\u00f3n la facultad de emitir valores convertibles en acciones de nueva emisi\u00f3n de BBVA, en una o en
varias veces, dentro del plazo m\u00e1ximo de cinco a\u00f1os a contar desde la fecha de aprobaci\u00f3n del acuerdo de delegaci\u00f3n, por un importe
m\u00e1ximo total conjunto de 8.000 millones de euros, o su equivalente en cualquier otra divisa. Asimismo, la Junta General acord\u00f3
delegar en el Consejo de Administraci\u00f3n la facultad de excluir, total o parcialmente, el derecho de suscripci\u00f3n preferente de los
accionistas en el marco de una emisi\u00f3n concreta de valores convertibles, si bien, dicha facultad qued\u00f3 limitada a que el importe
nominal de los aumentos de capital que se acuerden o que efectivamente se lleven a cabo para atender la conversi\u00f3n de emisiones
ordinariamente convertibles que se realicen en virtud de la referida delegaci\u00f3n (sin perjuicio de los ajustes anti-diluci\u00f3n) con exclusi\u00f3n
del derecho de suscripci\u00f3n preferente y de los que se acuerden o ejecuten igualmente con exclusi\u00f3n del derecho de suscripci\u00f3n
preferente en uso de la delegaci\u00f3n para aumentar el capital social acordada por la Junta General Ordinaria de Accionistas celebrada el
17 de marzo de 2017, en el punto cuarto de su orden del d\u00eda, no superen la cantidad nominal m\u00e1xima, en conjunto, del 20% del capital
social de BBVA en el momento de la delegaci\u00f3n, no siendo este l\u00edmite de aplicaci\u00f3n a las emisiones eventualmente convertibles.
En virtud de dicha delegaci\u00f3n, BBVA ha realizado desde 2020 la siguiente emisi\u00f3n eventualmente convertible que computa como
capital de nivel 1 adicional del Banco y del Grupo de acuerdo con el Reglamento (UE) 575/2013:
\u2013El 15 de julio de 2020, BBVA realiz\u00f3 una emisi\u00f3n de valores perpetuos eventualmente convertibles (instrumentos de capital de
nivel 1 adicional) con exclusi\u00f3n del derecho de suscripci\u00f3n preferente de los accionistas, por importe nominal de 1.000
millones de euros. Esta emisi\u00f3n cotiza en AIAF Mercado de Renta Fija y fue dirigida exclusivamente a clientes profesionales y
contrapartes elegibles, no pudiendo ser colocadas o suscritas por clientes minoristas.
Por otra parte, la Junta General Ordinaria de Accionistas del Banco celebrada el 20 de abril de 2021 acord\u00f3, en el punto quinto de su
orden del d\u00eda, delegar en el Consejo de Administraci\u00f3n, con facultades de subdelegaci\u00f3n, la facultad de emitir valores convertibles en
acciones de nueva emisi\u00f3n de BBVA cuya conversi\u00f3n sea eventual y se prevea para atender a requisitos regulatorios para su
computabilidad como instrumentos de capital (CoCos), de acuerdo con la normativa de solvencia aplicable en cada momento, con
sujeci\u00f3n a las disposiciones legales y estatutarias que sean aplicables en cada momento, pudiendo realizar las emisiones en una o en
varias veces dentro del plazo m\u00e1ximo de cinco (5) a\u00f1os a contar desde la fecha de aprobaci\u00f3n del acuerdo de delegaci\u00f3n, por un
importe m\u00e1ximo total conjunto de 8.000 millones de euros o su equivalente en cualquier otra divisa, pudiendo asimismo acordar la
exclusi\u00f3n, total o parcial, del derecho de suscripci\u00f3n preferente de los accionistas en el marco de una emisi\u00f3n concreta, cumpliendo
en todo caso con los requisitos y limitaciones legales establecidas al efecto en cada momento. Asimismo, se dej\u00f3 sin efecto, en la
parte no utilizada, la delegaci\u00f3n conferida por la Junta General Ordinaria de Accionistas celebrada el d\u00eda 17 de marzo de 2017 en el
punto quinto del orden del d\u00eda.
A la fecha del presente documento el Banco no ha hecho uso de la delegaci\u00f3n conferida por la Junta General de Accionistas de BBVA
celebrada el 20 de abril de 2021.
Todos estos valores perpetuos ser\u00e1n objeto de conversi\u00f3n en acciones ordinarias de BBVA de nueva emisi\u00f3n si la ratio de capital de
nivel 1 ordinario del Banco a nivel individual o consolidado se situase por debajo del 5,125%, de acuerdo con lo previsto en sus
respectivos t\u00e9rminos y condiciones.
Este tipo de emisiones que realiza el Banco podr\u00e1n ser amortizadas a opci\u00f3n de BBVA, en su totalidad, \u00fanicamente en los supuestos
contemplados en sus respectivos t\u00e9rminos y condiciones y, en todo caso, de conformidad con lo dispuesto en la normativa que
resulte de aplicaci\u00f3n. En concreto, a lo largo de los ejercicios 2020, 2021 y 2022:
\u2013El 18 de febrero de 2020, el Banco procedi\u00f3 a amortizar anticipadamente la emisi\u00f3n de participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (instrumentos de capital de nivel 1 adicional), realizada por el
Banco el 18 de febrero de 2015 por un importe de 1.500 millones de euros, coincidiendo con la Primera Fecha de Revisi\u00f3n
(First Reset Date) de dicha emisi\u00f3n y una vez obtenida la autorizaci\u00f3n correspondiente por parte del Regulador.
\u2013El 14 de abril de 2021, el Banco procedi\u00f3 a amortizar anticipadamente la emisi\u00f3n de participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (instrumentos de capital de nivel 1 adicional), realizada por el
Banco el 14 de abril de 2016 por un importe de 1.000 millones de euros, coincidiendo con la Primera Fecha de Revisi\u00f3n (First
Reset Date) de dicha emisi\u00f3n y una vez obtenida la autorizaci\u00f3n correspondiente por parte del Regulador.
\u2013El 24 de mayo de 2022, el Banco procedi\u00f3 a amortizar anticipadamente la emisi\u00f3n de participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (instrumentos de capital de nivel 1 adicional), realizada por el
Banco el 24 de mayo de 2017 por un importe de 500 millones de euros, coincidiendo con la Primera Fecha de Revisi\u00f3n (First
Reset Date) de dicha emisi\u00f3n y una vez obtenida la autorizaci\u00f3n correspondiente por parte del Regulador.
Valores convertibles
Posteriormente, la Junta General Ordinaria de Accionistas del Banco celebrada el 18 de marzo de 2022 acord\u00f3, en el punto quinto de
su orden del d\u00eda, delegar en el Consejo de Administraci\u00f3n, con facultades de subdelegaci\u00f3n, la facultad de emitir valores convertibles
en acciones de nueva emisi\u00f3n de BBVA (distintos de aquellos valores cuya conversi\u00f3n sea eventual y se prevea para atender a
requisitos regulatorios para su computabilidad como instrumentos de capital (CoCos) a los que se refieren los acuerdos adoptados
por la Junta General Ordinaria de Accionistas del Banco celebrada el 20 de abril de 2021, en su punto quinto del orden del d\u00eda), con
sujeci\u00f3n a las disposiciones legales y estatutarias que sean aplicables en cada momento, pudiendo realizar las emisiones en una o en
varias veces dentro del plazo m\u00e1ximo de cinco a\u00f1os a contar desde la fecha de aprobaci\u00f3n del acuerdo de delegaci\u00f3n, por un importe
m\u00e1ximo total conjunto de 6.000 millones de euros o su equivalente en cualquier otra divisa, pudiendo asimismo acordar la exclusi\u00f3n,
total o parcial, del derecho de suscripci\u00f3n preferente de los accionistas en el marco de una emisi\u00f3n concreta, cumpliendo en todo
caso con los requisitos legales establecidas al efecto en cada momento.
A la fecha del presente documento el Banco no ha hecho uso de la delegaci\u00f3n conferida por la Junta General de Accionistas de BBVA
celebrada el 18 de marzo de 2022.
Otros pasivos financieros
El desglose del saldo de este ep\u00edgrafe de los balances consolidados adjuntos es:
Otros pasivos financieros (Millones de euros)
2022
2021
2020
Pasivos por arrendamientos (1)
1.398
2.560
2.674
Acreedores por otros pasivos financieros
3.589
2.657
2.408
Cuentas de recaudaci\u00f3n
3.426
3.839
3.275
Acreedores por otras obligaciones a pagar (2)
5.673
6.127
5.000
Total
14.086
15.183
13.358
(1) La variaci\u00f3n en 2022 se debe principalmente al cierre de la transacci\u00f3n con Merlin Properties por la cual el Grupo BBVA adquiri\u00f3 el 100% de las acciones de Tree Inversiones
Inmobiliarias, SOCIMI, S.A. (ver Nota 17).
(2) Este ep\u00edgrafe incluye en 2021 el importe comprometido por la adquisici\u00f3n de acciones propias del programa de recompra (ver Notas 2.2.14 y 4).
A continuaci\u00f3n se detallan los vencimientos de los pasivos por arrendamiento con vencimiento posterior a 31 de diciembre de 2022:
Vencimientos de pasivos por arrendamientos (Millones de euros)
Menos de 1
a\u00f1o
De 1 a 3
a\u00f1os
De 3 a 5
a\u00f1os
M\u00e1s de 5
a\u00f1os
Total
Por arrendamiento
142
260
305
691
1.398
(1) La variaci\u00f3n se debe principalmente a la evoluci\u00f3n de los derivados de tipo de cambio en BBVA, S.A.
(2) La variaci\u00f3n se debe principalmente a ventas en BBVA, S.A.
(3) La variaci\u00f3n se debe principalmente a la evoluci\u00f3n de \"Adquisici\u00f3n temporal de activos\" de BBVA, S.A.\u00a0
A 31 de diciembre de 2022, 2021 y 2020, el ep\u00edgrafe de \u201cPosiciones cortas de valores\u201d incluye 12.544, 14.298 y 11.696 millones de
euros mantenidos con las administraciones p\u00fablicas, respectivamente.
Derivados
La cartera de derivados surge de la necesidad del Grupo de gestionar los riesgos en que incurre en el curso normal de su actividad as\u00ed
como la comercializaci\u00f3n de productos a los clientes. A 31 de diciembre de 2022, 2021 y 2020, los derivados estaban, en su mayor
parte, contratados en mercados no organizados, ten\u00edan sus contrapartidas en entidades de cr\u00e9dito y otras sociedades financieras y
estaban relacionados con riesgos de cambio, de tipo de inter\u00e9s y de instrumentos de patrimonio.
A continuaci\u00f3n, se presenta un desglose, por tipo de riesgo y tipo de mercado, del valor razonable as\u00ed como los nocionales
relacionados de los derivados financieros registrados en los balances consolidados adjuntos, distinguiendo entre los contratados en
mercados organizados y mercados no organizados:
Derivados por tipo de riesgo y por tipo de producto o mercado (Millones de euros)
2022
2021
2020
Activos
Pasivos
Importe
nocional -
Total
Activos
Pasivos
Importe
nocional -
Total
Activos
Pasivos
Importe
nocional -
Total
Tipo de inter\u00e9s
19.563
18.220
4.286.531
15.782
15.615
3.902.760
26.451
26.028
3.252.066
OTC
19.558
18.215
4.278.249
15.774
15.610
3.884.561
26.447
26.020
3.233.718
Mercados organizados
5
5
8.282
8
5
18.199
3
8
18.348
Instrumentos de
patrimonio
3.067
3.770
76.749
2.802
4.123
72.656
2.626
4.143
72.176
OTC
1.810
2.127
52.739
775
1.930
48.695
584
1.836
42.351
Mercados organizados
1.257
1.643
24.010
2.028
2.192
23.962
2.042
2.307
29.825
Divisas y oro
16.971
15.528
589.705
12.104
11.471
533.395
10.952
11.216
461.898
OTC
16.954
15.505
580.850
12.090
11.445
526.590
10.942
11.216
457.180
Mercados organizados
17
23
8.855
14
26
6.805
10
\u2014
4.719
Cr\u00e9dito
299
383
43.450
236
490
19.937
153
292
23.411
Permutas de cobertura
por impago
293
282
41.760
236
254
18.121
146
156
21.529
Opciones sobre el
diferencial de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Permutas de
rendimiento total
7
101
1.665
\u2014
236
1.815
7
136
1.882
Otros
\u2014
\u2014
25
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Materias primas
9
8
60
8
7
149
1
1
26
DERIVADOS
39.908
37.909
4.996.495
30.933
31.705
4.528.897
40.183
41.680
3.809.577
De los cuales: OTC -
entidades de cr\u00e9dito
28.385
26.454
1.205.895
21.069
22.488
1.073.921
24.432
27.244
958.017
De los cuales: OTC -
otras sociedades
financieras
5.745
4.493
3.587.546
3.300
3.075
3.257.382
8.211
8.493
2.663.978
De los cuales: OTC -
resto
4.501
5.290
161.882
4.514
3.919
148.629
5.484
3.627
134.690
", "dimensions": { "concept": "ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8yOTIvZnJhZzoxYTdmODljM2U2ZDg0MTk1YjY4YzQ2MjQ1YTAwNmFmNy90ZXh0cmVnaW9uOjFhN2Y4OWMzZTZkODQxOTViNjhjNDYyNDVhMDA2YWY3XzQyMzMxMTk3NjY5NDM0_88286ecd-42c7-4a2c-bea7-3ec7730b2e7e": { "value": "Activos y pasivos financieros mantenidos para negociarComposici\u00f3n del saldo
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es la siguiente:
Activos y pasivos financieros mantenidos para negociar (Millones de euros)
Notas
2022
2021
2020
ACTIVOS
Derivados (1)
39.908
30.933
40.183
Instrumentos de patrimonio (2)
7.2.2
4.404
15.963
11.458
Entidades de cr\u00e9dito
317
816
633
Otros sectores
4.086
15.147
10.824
Valores representativos de deuda
7.2.2
24.367
25.790
23.970
Emitidos por bancos centrales
821
936
1.011
Emitidos por administraciones p\u00fablicas
20.703
21.946
19.942
Emitidos por entidades de cr\u00e9dito
1.365
1.130
1.479
Otros valores representativos de deuda
1.477
1.778
1.538
Pr\u00e9stamos y anticipos
7.2.2
41.993
50.807
30.268
Pr\u00e9stamos y anticipos a bancos centrales
1.632
3.467
53
Adquisici\u00f3n temporal de activos
1.632
3.467
53
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
25.231
31.916
18.317
Adquisici\u00f3n temporal de activos (3)
25.201
31.901
18.310
Pr\u00e9stamos y anticipos a la clientela
15.130
15.424
11.898
Adquisici\u00f3n temporal de activos
14.832
14.916
11.295
Total activos
8.1
110.671
123.493
105.878
PASIVOS
Derivados (1)
37.909
31.705
41.680
Posiciones cortas de valores
13.487
15.135
12.312
Dep\u00f3sitos
44.215
44.294
30.117
Dep\u00f3sitos de bancos centrales
3.950
11.248
6.277
Cesi\u00f3n temporal de activos
3.950
11.248
6.277
Dep\u00f3sitos de entidades de cr\u00e9dito
28.924
16.176
14.377
Cesi\u00f3n temporal de activos
28.573
15.632
14.035
Dep\u00f3sitos de la clientela
11.341
16.870
9.463
Cesi\u00f3n temporal de activos
11.302
16.824
9.418
Total pasivos
8.1
95.611
91.135
84.109
(1) La variaci\u00f3n se debe principalmente a la evoluci\u00f3n de los derivados de tipo de cambio en BBVA, S.A.
(2) La variaci\u00f3n se debe principalmente a ventas en BBVA, S.A.
(3) La variaci\u00f3n se debe principalmente a la evoluci\u00f3n de \"Adquisici\u00f3n temporal de activos\" de BBVA, S.A.\u00a0
A 31 de diciembre de 2022, 2021 y 2020, el ep\u00edgrafe de \u201cPosiciones cortas de valores\u201d incluye 12.544, 14.298 y 11.696 millones de
euros mantenidos con las administraciones p\u00fablicas, respectivamente.
Derivados
La cartera de derivados surge de la necesidad del Grupo de gestionar los riesgos en que incurre en el curso normal de su actividad as\u00ed
como la comercializaci\u00f3n de productos a los clientes. A 31 de diciembre de 2022, 2021 y 2020, los derivados estaban, en su mayor
parte, contratados en mercados no organizados, ten\u00edan sus contrapartidas en entidades de cr\u00e9dito y otras sociedades financieras y
estaban relacionados con riesgos de cambio, de tipo de inter\u00e9s y de instrumentos de patrimonio.
A continuaci\u00f3n, se presenta un desglose, por tipo de riesgo y tipo de mercado, del valor razonable as\u00ed como los nocionales
relacionados de los derivados financieros registrados en los balances consolidados adjuntos, distinguiendo entre los contratados en
mercados organizados y mercados no organizados:
Derivados por tipo de riesgo y por tipo de producto o mercado (Millones de euros)
2022
2021
2020
Activos
Pasivos
Importe
nocional -
Total
Activos
Pasivos
Importe
nocional -
Total
Activos
Pasivos
Importe
nocional -
Total
Tipo de inter\u00e9s
19.563
18.220
4.286.531
15.782
15.615
3.902.760
26.451
26.028
3.252.066
OTC
19.558
18.215
4.278.249
15.774
15.610
3.884.561
26.447
26.020
3.233.718
Mercados organizados
5
5
8.282
8
5
18.199
3
8
18.348
Instrumentos de
patrimonio
3.067
3.770
76.749
2.802
4.123
72.656
2.626
4.143
72.176
OTC
1.810
2.127
52.739
775
1.930
48.695
584
1.836
42.351
Mercados organizados
1.257
1.643
24.010
2.028
2.192
23.962
2.042
2.307
29.825
Divisas y oro
16.971
15.528
589.705
12.104
11.471
533.395
10.952
11.216
461.898
OTC
16.954
15.505
580.850
12.090
11.445
526.590
10.942
11.216
457.180
Mercados organizados
17
23
8.855
14
26
6.805
10
\u2014
4.719
Cr\u00e9dito
299
383
43.450
236
490
19.937
153
292
23.411
Permutas de cobertura
por impago
293
282
41.760
236
254
18.121
146
156
21.529
Opciones sobre el
diferencial de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Permutas de
rendimiento total
7
101
1.665
\u2014
236
1.815
7
136
1.882
Otros
\u2014
\u2014
25
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Materias primas
9
8
60
8
7
149
1
1
26
DERIVADOS
39.908
37.909
4.996.495
30.933
31.705
4.528.897
40.183
41.680
3.809.577
De los cuales: OTC -
entidades de cr\u00e9dito
28.385
26.454
1.205.895
21.069
22.488
1.073.921
24.432
27.244
958.017
De los cuales: OTC -
otras sociedades
financieras
5.745
4.493
3.587.546
3.300
3.075
3.257.382
8.211
8.493
2.663.978
De los cuales: OTC -
resto
4.501
5.290
161.882
4.514
3.919
148.629
5.484
3.627
134.690
", "dimensions": { "concept": "ifrs-full:DisclosureOfFinancialLiabilitiesHeldForTradingExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8yOTUvZnJhZzo3NGNkMmNkNmE2MzU0ZGYzOTcwZDM1ODlhYWRkMWViMS90ZXh0cmVnaW9uOjc0Y2QyY2Q2YTYzNTRkZjM5NzBkMzU4OWFhZGQxZWIxXzQyMzMxMTk3NjcxNDgw_6a5f0fbd-d178-46ac-888f-5ec7877282e4": { "value": "Composici\u00f3n del saldo
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es la siguiente:
Activos y pasivos financieros mantenidos para negociar (Millones de euros)
Notas
2022
2021
2020
ACTIVOS
Derivados (1)
39.908
30.933
40.183
Instrumentos de patrimonio (2)
7.2.2
4.404
15.963
11.458
Entidades de cr\u00e9dito
317
816
633
Otros sectores
4.086
15.147
10.824
Valores representativos de deuda
7.2.2
24.367
25.790
23.970
Emitidos por bancos centrales
821
936
1.011
Emitidos por administraciones p\u00fablicas
20.703
21.946
19.942
Emitidos por entidades de cr\u00e9dito
1.365
1.130
1.479
Otros valores representativos de deuda
1.477
1.778
1.538
Pr\u00e9stamos y anticipos
7.2.2
41.993
50.807
30.268
Pr\u00e9stamos y anticipos a bancos centrales
1.632
3.467
53
Adquisici\u00f3n temporal de activos
1.632
3.467
53
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
25.231
31.916
18.317
Adquisici\u00f3n temporal de activos (3)
25.201
31.901
18.310
Pr\u00e9stamos y anticipos a la clientela
15.130
15.424
11.898
Adquisici\u00f3n temporal de activos
14.832
14.916
11.295
Total activos
8.1
110.671
123.493
105.878
PASIVOS
Derivados (1)
37.909
31.705
41.680
Posiciones cortas de valores
13.487
15.135
12.312
Dep\u00f3sitos
44.215
44.294
30.117
Dep\u00f3sitos de bancos centrales
3.950
11.248
6.277
Cesi\u00f3n temporal de activos
3.950
11.248
6.277
Dep\u00f3sitos de entidades de cr\u00e9dito
28.924
16.176
14.377
Cesi\u00f3n temporal de activos
28.573
15.632
14.035
Dep\u00f3sitos de la clientela
11.341
16.870
9.463
Cesi\u00f3n temporal de activos
11.302
16.824
9.418
Total pasivos
8.1
95.611
91.135
84.109
(1) La variaci\u00f3n se debe principalmente a la evoluci\u00f3n de los derivados de tipo de cambio en BBVA, S.A.
(2) La variaci\u00f3n se debe principalmente a ventas en BBVA, S.A.
(3) La variaci\u00f3n se debe principalmente a la evoluci\u00f3n de \"Adquisici\u00f3n temporal de activos\" de BBVA, S.A.\u00a0
A 31 de diciembre de 2022, 2021 y 2020, el ep\u00edgrafe de \u201cPosiciones cortas de valores\u201d incluye 12.544, 14.298 y 11.696 millones de
euros mantenidos con las administraciones p\u00fablicas, respectivamente.
Derivados
La cartera de derivados surge de la necesidad del Grupo de gestionar los riesgos en que incurre en el curso normal de su actividad as\u00ed
como la comercializaci\u00f3n de productos a los clientes. A 31 de diciembre de 2022, 2021 y 2020, los derivados estaban, en su mayor
parte, contratados en mercados no organizados, ten\u00edan sus contrapartidas en entidades de cr\u00e9dito y otras sociedades financieras y
estaban relacionados con riesgos de cambio, de tipo de inter\u00e9s y de instrumentos de patrimonio.
A continuaci\u00f3n, se presenta un desglose, por tipo de riesgo y tipo de mercado, del valor razonable as\u00ed como los nocionales
relacionados de los derivados financieros registrados en los balances consolidados adjuntos, distinguiendo entre los contratados en
mercados organizados y mercados no organizados:
Derivados por tipo de riesgo y por tipo de producto o mercado (Millones de euros)
2022
2021
2020
Activos
Pasivos
Importe
nocional -
Total
Activos
Pasivos
Importe
nocional -
Total
Activos
Pasivos
Importe
nocional -
Total
Tipo de inter\u00e9s
19.563
18.220
4.286.531
15.782
15.615
3.902.760
26.451
26.028
3.252.066
OTC
19.558
18.215
4.278.249
15.774
15.610
3.884.561
26.447
26.020
3.233.718
Mercados organizados
5
5
8.282
8
5
18.199
3
8
18.348
Instrumentos de
patrimonio
3.067
3.770
76.749
2.802
4.123
72.656
2.626
4.143
72.176
OTC
1.810
2.127
52.739
775
1.930
48.695
584
1.836
42.351
Mercados organizados
1.257
1.643
24.010
2.028
2.192
23.962
2.042
2.307
29.825
Divisas y oro
16.971
15.528
589.705
12.104
11.471
533.395
10.952
11.216
461.898
OTC
16.954
15.505
580.850
12.090
11.445
526.590
10.942
11.216
457.180
Mercados organizados
17
23
8.855
14
26
6.805
10
\u2014
4.719
Cr\u00e9dito
299
383
43.450
236
490
19.937
153
292
23.411
Permutas de cobertura
por impago
293
282
41.760
236
254
18.121
146
156
21.529
Opciones sobre el
diferencial de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Permutas de
rendimiento total
7
101
1.665
\u2014
236
1.815
7
136
1.882
Otros
\u2014
\u2014
25
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Materias primas
9
8
60
8
7
149
1
1
26
DERIVADOS
39.908
37.909
4.996.495
30.933
31.705
4.528.897
40.183
41.680
3.809.577
De los cuales: OTC -
entidades de cr\u00e9dito
28.385
26.454
1.205.895
21.069
22.488
1.073.921
24.432
27.244
958.017
De los cuales: OTC -
otras sociedades
financieras
5.745
4.493
3.587.546
3.300
3.075
3.257.382
8.211
8.493
2.663.978
De los cuales: OTC -
resto
4.501
5.290
161.882
4.514
3.919
148.629
5.484
3.627
134.690
", "dimensions": { "concept": "ifrs-full:DisclosureOfFinancialAssetsHeldForTradingExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zMDQvZnJhZzo1MTVmMzkzNTI5NWE0NDBiYTFmMzM3Y2YwODAzYTJiYy90ZXh0cmVnaW9uOjUxNWYzOTM1Mjk1YTQ0MGJhMWYzMzdjZjA4MDNhMmJjXzQyMzMxMTk3NjcwMTg2_3465e0da-45ef-4966-93ef-a93751e94d8e": { "value": "Activos y pasivos financieros designados a valor razonable con cambios en
resultados
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es la siguiente:
Activos y pasivos financieros designados a valor razonable con cambios en resultados (Millones de euros)
Notas
2022
2021
2020
ACTIVOS
Valores representativos de deuda
7.2.2 / 8.1
913
1.092
1.117
PASIVOS
Dep\u00f3sitos de la clientela
700
809
902
Valores representativos de deuda emitidos
3.288
3.396
4.531
Otros pasivos financieros: Seguros de vida en los que el tomador
asume el riesgo
6.592
5.479
4.617
Total pasivos
8.1
10.580
9.683
10.050
Dentro de estos cap\u00edtulos se recogen los pasivos vinculados a los productos de seguros en los que el tomador asume el riesgo (unit-
link). Dado que los pasivos vinculados a los productos de seguros en los que el tomador asume el riesgo se valoran como el activo
asociado a dichos seguros, no existe ning\u00fan componente de riesgo de cr\u00e9dito asumido por el Grupo en relaci\u00f3n a estos pasivos.
As\u00ed mismo, se recogen valores representativos de deuda con el objetivo de reducir las inconsistencias (asimetr\u00edas) que pudieran
surgir en la valoraci\u00f3n de dichas operaciones y las utilizadas para gestionar el riesgo de las mismas.", "dimensions": { "concept": "ifrs-full:DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zMjgvZnJhZzozNWQ2OTRkNjYwYmM0ZThlOTlmNjc1ZmIxMDE4MGQ3Ni90ZXh0cmVnaW9uOjM1ZDY5NGQ2NjBiYzRlOGU5OWY2NzVmYjEwMTgwZDc2XzQyMzMxMTk3NjY5Nzk4_46a088c5-85f8-480e-9239-1a3f3c25f841": { "value": "Valores representativos de deuda
El desglose del saldo del ep\u00edgrafe \u201cValores representativos de deuda\u201d de los balances consolidados adjuntos, por tipo de instrumento
financiero, es el siguiente:
Activos financieros a coste amortizado. Valores representativos de deuda. (Millones de euros)
2022
2021
2020
Coste
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Coste
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Coste\u00a0 \u00a0 \u00a0
amortizado
Plusval\u00edas
no
realizadas
Minusval\u00edas
no
realizadas
Valor
razonable
Valores espa\u00f1oles
Deuda del estado y
otras administraciones
p\u00fablicas
18.397
10
(1.330)
17.077
17.693
1.326
(7)
19.013
13.656
1.212
\u2014
14.868
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otras entidades
144
1
(18)
127
337
10
(6)
341
4.835
59
(7)
4.887
Subtotal
18.541
11
(1.348)
17.204
18.031
1.336
(13)
19.353
18.492
1.271
(7)
19.756
Valores extranjeros
M\u00e9xico
10.743
\u2014
\u2014
10.743
8.464
182
(138)
8.508
7.771
534
(16)
8.289
Deuda del estado y
otras administraciones
p\u00fablicas
9.806
\u2014
\u2014
9.806
7.669
170
(131)
7.708
6.963
479
\u2014
7.442
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
745
\u2014
\u2014
745
614
11
\u2014
625
632
55
\u2014
687
Otras entidades
192
\u2014
\u2014
192
181
1
(7)
175
176
\u2014
(16)
160
Estados Unidos
2.412
\u2014
(10)
2.402
93
\u2014
\u2014
93
52
\u2014
(26)
26
Deuda del estado y
otras administraciones
p\u00fablicas
2.159
\u2014
(5)
2.154
10
\u2014
\u2014
10
14
\u2014
\u2014
14
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
28
\u2014
(2)
27
26
\u2014
\u2014
26
23
\u2014
(16)
7
Otras entidades
224
\u2014
(3)
221
57
\u2014
\u2014
57
15
\u2014
(10)
5
Turqu\u00eda
5.332
\u2014
\u2014
5.332
2.634
143
(95)
2.682
3.628
95
(25)
3.698
Deuda del estado y
otras administraciones
p\u00fablicas
5.325
\u2014
\u2014
5.325
2.628
143
(95)
2.676
3.621
95
(25)
3.691
Bancos centrales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
6
\u2014
\u2014
6
5
\u2014
\u2014
5
6
\u2014
\u2014
6
Otras entidades
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
1
\u2014
\u2014
1
Otros pa\u00edses
6.578
44
(343)
6.280
5.559
289
(37)
5.812
5.795
505
(1)
6.299
Deuda de otros
estados y otras
administraciones
p\u00fablicas
4.701
32
(311)
4.423
4.144
257
(28)
4.374
4.473
467
(1)
4.939
Bancos centrales
21
\u2014
(1)
21
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades de cr\u00e9dito
397
2
(11)
389
171
\u2014
\u2014
171
122
\u2014
\u2014
122
Otras entidades
1.458
10
(21)
1.448
1.243
32
(9)
1.267
1.200
38
\u2014
1.238
Subtotal
25.065
45
(353)
24.757
16.750
614
(270)
17.094
17.245
1.134
(68)
18.311
Total
43.606
56
(1.701)
41.961
34.781
1.950
(284)
36.447
35.737
2.405
(75)
38.067
A 31 de diciembre de 2022, 2021 y 2020, la distribuci\u00f3n atendiendo a la calidad crediticia (ratings) de los emisores de los valores
representativos de deuda clasificados como activos financieros a coste amortizado, ha sido la siguiente:
Valores representativos de deuda por rating
2022
2021
2020
Saldo contable
(Millones de
euros)
%
Saldo contable
(Millones de
euros)
%
Saldo contable
(Millones de
euros)
%
AAA
3.068
7,0 %
143
0,4 %
151
0,4 %
AA+
217
0,5 %
77
0,2 %
74
0,2 %
AA
86
0,2 %
76
0,2 %
64
0,2%
AA-
108
0,2 %
69
0,2 %
48
0,1%
A+
13
\u2014 %
62
0,2%
42
\u2014%
A
592
1,4 %
619
1,8 %
590
1,7 %
A-
17.050
39,1 %
16.312
46,9 %
16.736
46,8 %
BBB+
11.037
25,3 %
9.336
26,8 %
7.919
22,2 %
BBB
4.265
9,8 %
3.853
11,1 %
942
2,6 %
BBB-
535
1,2 %
527
1,5 %
4.499
12,6 %
Con rating igual o inferior a BB+
5.967
13,7 %
3.120
9,0 %
3.928
11,0 %
Sin clasificar
667
1,5 %
587
1,7 %
743
2,1 %
Total
43.606
100,0 %
34.781
100,0 %
35.737
100,0 %
Valores representativos de deuda emitidos
La composici\u00f3n del saldo de este ep\u00edgrafe de los balances consolidados adjuntos, por tipos de instrumentos financieros y por
monedas, se indica a continuaci\u00f3n:
Valores representativos de deuda emitidos (Millones de euros)
2022
2021
2020
En euros
35.611
36.289
42.462
Pagar\u00e9s y efectos
1.079
319
860
Bonos y obligaciones no convertibles
16.979
15.712
14.538
Bonos garantizados (1)
7.665
9.930
13.274
Contratos h\u00edbridos (2)
959
366
355
Bonos de titulizaciones
2.501
2.302
2.538
Certificados de dep\u00f3sito
139
438
2.331
Pasivos subordinados
6.289
7.221
8.566
Valores perpetuos eventualmente convertibles
3.000
3.500
4.500
Participaciones preferentes no convertibles
\u2014
\u2014
159
Otros pasivos subordinados no convertibles
3.289
3.721
3.907
En moneda extranjera
19.819
19.475
19.318
Pagar\u00e9s y efectos
351
579
1.024
Bonos y obligaciones no convertibles
9.323
7.885
8.691
Bonos garantizados (1)
114
178
217
Contratos h\u00edbridos (2)
3.724
2.843
455
Bonos de titulizaciones
\u2014
4
4
Certificados de dep\u00f3sito
111
412
1.016
Pasivos subordinados
6.196
7.574
7.911
Valores perpetuos eventualmente convertibles
1.876
1.771
1.633
Participaciones preferentes no convertibles
\u2014
\u2014
35
Otros pasivos subordinados no convertibles
4.320
5.803
6.243
\u00a0 Total
55.429
55.763
61.780
La variaci\u00f3n del saldo se debe fundamentalmente a las siguientes operaciones:
Valores perpetuos eventualmente convertibles
La Junta General Ordinaria de Accionistas del Banco celebrada el 17 de marzo de 2017 acord\u00f3, en el punto quinto de su orden del d\u00eda,
delegar en el Consejo de Administraci\u00f3n la facultad de emitir valores convertibles en acciones de nueva emisi\u00f3n de BBVA, en una o en
varias veces, dentro del plazo m\u00e1ximo de cinco a\u00f1os a contar desde la fecha de aprobaci\u00f3n del acuerdo de delegaci\u00f3n, por un importe
m\u00e1ximo total conjunto de 8.000 millones de euros, o su equivalente en cualquier otra divisa. Asimismo, la Junta General acord\u00f3
delegar en el Consejo de Administraci\u00f3n la facultad de excluir, total o parcialmente, el derecho de suscripci\u00f3n preferente de los
accionistas en el marco de una emisi\u00f3n concreta de valores convertibles, si bien, dicha facultad qued\u00f3 limitada a que el importe
nominal de los aumentos de capital que se acuerden o que efectivamente se lleven a cabo para atender la conversi\u00f3n de emisiones
ordinariamente convertibles que se realicen en virtud de la referida delegaci\u00f3n (sin perjuicio de los ajustes anti-diluci\u00f3n) con exclusi\u00f3n
del derecho de suscripci\u00f3n preferente y de los que se acuerden o ejecuten igualmente con exclusi\u00f3n del derecho de suscripci\u00f3n
preferente en uso de la delegaci\u00f3n para aumentar el capital social acordada por la Junta General Ordinaria de Accionistas celebrada el
17 de marzo de 2017, en el punto cuarto de su orden del d\u00eda, no superen la cantidad nominal m\u00e1xima, en conjunto, del 20% del capital
social de BBVA en el momento de la delegaci\u00f3n, no siendo este l\u00edmite de aplicaci\u00f3n a las emisiones eventualmente convertibles.
En virtud de dicha delegaci\u00f3n, BBVA ha realizado desde 2020 la siguiente emisi\u00f3n eventualmente convertible que computa como
capital de nivel 1 adicional del Banco y del Grupo de acuerdo con el Reglamento (UE) 575/2013:
\u2013El 15 de julio de 2020, BBVA realiz\u00f3 una emisi\u00f3n de valores perpetuos eventualmente convertibles (instrumentos de capital de
nivel 1 adicional) con exclusi\u00f3n del derecho de suscripci\u00f3n preferente de los accionistas, por importe nominal de 1.000
millones de euros. Esta emisi\u00f3n cotiza en AIAF Mercado de Renta Fija y fue dirigida exclusivamente a clientes profesionales y
contrapartes elegibles, no pudiendo ser colocadas o suscritas por clientes minoristas.
Por otra parte, la Junta General Ordinaria de Accionistas del Banco celebrada el 20 de abril de 2021 acord\u00f3, en el punto quinto de su
orden del d\u00eda, delegar en el Consejo de Administraci\u00f3n, con facultades de subdelegaci\u00f3n, la facultad de emitir valores convertibles en
acciones de nueva emisi\u00f3n de BBVA cuya conversi\u00f3n sea eventual y se prevea para atender a requisitos regulatorios para su
computabilidad como instrumentos de capital (CoCos), de acuerdo con la normativa de solvencia aplicable en cada momento, con
sujeci\u00f3n a las disposiciones legales y estatutarias que sean aplicables en cada momento, pudiendo realizar las emisiones en una o en
varias veces dentro del plazo m\u00e1ximo de cinco (5) a\u00f1os a contar desde la fecha de aprobaci\u00f3n del acuerdo de delegaci\u00f3n, por un
importe m\u00e1ximo total conjunto de 8.000 millones de euros o su equivalente en cualquier otra divisa, pudiendo asimismo acordar la
exclusi\u00f3n, total o parcial, del derecho de suscripci\u00f3n preferente de los accionistas en el marco de una emisi\u00f3n concreta, cumpliendo
en todo caso con los requisitos y limitaciones legales establecidas al efecto en cada momento. Asimismo, se dej\u00f3 sin efecto, en la
parte no utilizada, la delegaci\u00f3n conferida por la Junta General Ordinaria de Accionistas celebrada el d\u00eda 17 de marzo de 2017 en el
punto quinto del orden del d\u00eda.
A la fecha del presente documento el Banco no ha hecho uso de la delegaci\u00f3n conferida por la Junta General de Accionistas de BBVA
celebrada el 20 de abril de 2021.
Todos estos valores perpetuos ser\u00e1n objeto de conversi\u00f3n en acciones ordinarias de BBVA de nueva emisi\u00f3n si la ratio de capital de
nivel 1 ordinario del Banco a nivel individual o consolidado se situase por debajo del 5,125%, de acuerdo con lo previsto en sus
respectivos t\u00e9rminos y condiciones.
Este tipo de emisiones que realiza el Banco podr\u00e1n ser amortizadas a opci\u00f3n de BBVA, en su totalidad, \u00fanicamente en los supuestos
contemplados en sus respectivos t\u00e9rminos y condiciones y, en todo caso, de conformidad con lo dispuesto en la normativa que
resulte de aplicaci\u00f3n. En concreto, a lo largo de los ejercicios 2020, 2021 y 2022:
\u2013El 18 de febrero de 2020, el Banco procedi\u00f3 a amortizar anticipadamente la emisi\u00f3n de participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (instrumentos de capital de nivel 1 adicional), realizada por el
Banco el 18 de febrero de 2015 por un importe de 1.500 millones de euros, coincidiendo con la Primera Fecha de Revisi\u00f3n
(First Reset Date) de dicha emisi\u00f3n y una vez obtenida la autorizaci\u00f3n correspondiente por parte del Regulador.
\u2013El 14 de abril de 2021, el Banco procedi\u00f3 a amortizar anticipadamente la emisi\u00f3n de participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (instrumentos de capital de nivel 1 adicional), realizada por el
Banco el 14 de abril de 2016 por un importe de 1.000 millones de euros, coincidiendo con la Primera Fecha de Revisi\u00f3n (First
Reset Date) de dicha emisi\u00f3n y una vez obtenida la autorizaci\u00f3n correspondiente por parte del Regulador.
\u2013El 24 de mayo de 2022, el Banco procedi\u00f3 a amortizar anticipadamente la emisi\u00f3n de participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (instrumentos de capital de nivel 1 adicional), realizada por el
Banco el 24 de mayo de 2017 por un importe de 500 millones de euros, coincidiendo con la Primera Fecha de Revisi\u00f3n (First
Reset Date) de dicha emisi\u00f3n y una vez obtenida la autorizaci\u00f3n correspondiente por parte del Regulador.
Valores convertibles
Posteriormente, la Junta General Ordinaria de Accionistas del Banco celebrada el 18 de marzo de 2022 acord\u00f3, en el punto quinto de
su orden del d\u00eda, delegar en el Consejo de Administraci\u00f3n, con facultades de subdelegaci\u00f3n, la facultad de emitir valores convertibles
en acciones de nueva emisi\u00f3n de BBVA (distintos de aquellos valores cuya conversi\u00f3n sea eventual y se prevea para atender a
requisitos regulatorios para su computabilidad como instrumentos de capital (CoCos) a los que se refieren los acuerdos adoptados
por la Junta General Ordinaria de Accionistas del Banco celebrada el 20 de abril de 2021, en su punto quinto del orden del d\u00eda), con
sujeci\u00f3n a las disposiciones legales y estatutarias que sean aplicables en cada momento, pudiendo realizar las emisiones en una o en
varias veces dentro del plazo m\u00e1ximo de cinco a\u00f1os a contar desde la fecha de aprobaci\u00f3n del acuerdo de delegaci\u00f3n, por un importe
m\u00e1ximo total conjunto de 6.000 millones de euros o su equivalente en cualquier otra divisa, pudiendo asimismo acordar la exclusi\u00f3n,
total o parcial, del derecho de suscripci\u00f3n preferente de los accionistas en el marco de una emisi\u00f3n concreta, cumpliendo en todo
caso con los requisitos legales establecidas al efecto en cada momento.
A la fecha del presente documento el Banco no ha hecho uso de la delegaci\u00f3n conferida por la Junta General de Accionistas de BBVA
celebrada el 18 de marzo de 2022.", "dimensions": { "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zMzEvZnJhZzoxMTVjZmEyMjgyZWI0NDQwOTRiZjU2MmY4YTY0ODMyNi90ZXh0cmVnaW9uOjExNWNmYTIyODJlYjQ0NDA5NGJmNTYyZjhhNjQ4MzI2XzQyMzMxMTk3NjcwNzA2_1f27e038-e485-4da7-a32e-691c0a6c4377": { "value": "Pr\u00e9stamos y anticipos a la clientela
La composici\u00f3n del saldo de este ep\u00edgrafe de los balances consolidados adjuntos, atendiendo a la naturaleza del instrumento
financiero en el que tiene su origen, es la siguiente:
Pr\u00e9stamos y anticipos a la clientela (Millones de euros)
2022
2021
2020
A la vista y con breve plazo de preaviso (cuenta corriente)
4.101
3.161
2.835
Deuda por tarjetas de cr\u00e9dito
18.898
14.030
13.093
Cartera comercial
25.987
19.524
15.544
Arrendamientos financieros
8.571
7.911
7.650
Adquisici\u00f3n temporal de activos
102
23
71
Otros pr\u00e9stamos a plazo
294.059
268.047
267.031
Anticipos distintos de pr\u00e9stamos
6.305
6.243
4.924
Total\u00a0
358.023
318.939
311.147
A 31 de diciembre de 2022, 2021 y 2020 el 51%, el 50% y el 47% respectivamente, de las operaciones de \u201cPr\u00e9stamos y anticipos a la
clientela\u201d con vencimiento superior a un a\u00f1o estaban formalizadas a tipo de inter\u00e9s fijo y el 49%, 50% y 53% a tipo de inter\u00e9s
variable, respectivamente.
Adicionalmente, este ep\u00edgrafe tambi\u00e9n incluye ciertos pr\u00e9stamos que han sido titulizados. Los saldos registrados en los balances
consolidados adjuntos correspondientes a los pr\u00e9stamos titulizados son los siguientes:
Pr\u00e9stamos titulizados (Millones de euros)
2022
2021
2020
Activos hipotecarios titulizados
23.290
23.695
23.953
Otros activos titulizados
5.495
6.547
6.144
Total
28.784
30.242
30.098
El detalle de los negocios conjuntos y las asociadas a 31 de diciembre de 2022 se muestra en el Anexo II.
Los movimientos que han tenido lugar durante los ejercicios 2022, 2021 y 2020, en este cap\u00edtulo de los balances consolidados
adjuntos se resumen a continuaci\u00f3n:
Negocios conjuntos y asociadas. Movimientos del ejercicio (Millones de euros)
Notas
2022
2021
2020
Saldo inicial
900
1.437
1.488
Sociedades adquiridas y ampliaciones de capital
87
22
257
Sociedades enajenadas y reducciones de capital
(88)
(1)
(47)
Traspasos y cambios en el m\u00e9todo de consolidaci\u00f3n
\u2014
(559)
(7)
Resultados
39
20
1
(39)
Diferencias de cambio
(1)
9
(27)
Dividendos, ajustes por valoraci\u00f3n y otros
(2)
(9)
(188)
Saldo final
916
900
1.437
(1) La variaci\u00f3n corresponde principalmente a la OPA voluntaria sobre la totalidad del capital social de T\u00fcrkiye Garanti Bankas\u0131 A.\u015e. finalizada el 18 de mayo de 2022 (ver Nota 3).
Seguidamente se detallan, por subgrupos de sociedades consolidadas, los importes registrados en el cap\u00edtulo \u201cAtribuible a intereses
minoritarios (participaciones no dominantes)\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas:
Resultado del periodo atribuible a intereses minoritarios (participaciones no dominantes). Desglose por subgrupos
(Millones de euros)
2022
2021
2020
Garanti BBVA (1)
29
758
579
BBVA Per\u00fa
236
143
126
BBVA Argentina
83
26
38
BBVA Colombia
5
9
6
BBVA Venezuela
22
3
2
Otras sociedades
32
25
5
Total
407
965
756
(1) La variaci\u00f3n se corresponde principalmente con la aplicaci\u00f3n de la NIC 29 y con la OPA voluntaria sobre la totalidad del capital social de T\u00fcrkiye Garanti Bankas\u0131 A.\u015e. finalizada
el 18 de mayo de 2022 (ver Notas 2.2.19 y 3).
Los dividendos repartidos a los minoritarios de las siguientes entidades del Grupo en el ejercicio 2022 han sido: Grupo BBVA Banco
Continental 109 millones de euros, Grupo Garanti 49 millones de euros y el resto de entidades del Grupo 27 millones de euros.
ANEXO II. Informaci\u00f3n adicional sobre participaciones en empresas asociadas y en
negocios conjuntos del Grupo BBVA a 31 de diciembre de 2022
Se incluyen las sociedades m\u00e1s significativas que representan, en conjunto, un 99,5 % del total de inversi\u00f3n en este colectivo.
% Porcentaje jur\u00eddico de
participaci\u00f3n
Millones de euros (1)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en
libros
Activos
31.12.2022
Pasivos
31.12.2022
Patrimonio
neto
excluido
resultados
31.12.2022
Resultados\u00a0
31.12.2022
EMPRESAS ASOCIADAS
ADQUIRA ESPA\u00d1A, S.A.
ESPA\u00d1A
SERVICIOS
\u2014
44,44
44,44
4
20
11
9
1
ATOM HOLDCO LIMITED
REINO
UNIDO
CARTERA
42,77
\u2014
42,77
132
7.063
6.755
314
(7)
AUREA, S.A. (CUBA)
CUBA
INMOBILIARIA
\u2014
49,00
49,00
5
10
1
10
\u2014
BBVA ALLIANZ SEGUROS Y REASEGUROS, S.A.
ESPA\u00d1A
SEGUROS
\u2014
50,00
50,00
248
836
298
535
4
COMPA\u00d1IA ESPA\u00d1OLA DE FINANCIACION DEL
DESARROLLO, S.A.
ESPA\u00d1A
SOCIEDADES E
INSTITUCIONES P\u00daBLICAS
16,67
\u2014
16,67
31
191
7
168
16
COMPA\u00d1IA PERUANA DE MEDIOS DE PAGO SAC
(VISANET PERU)
PERU
ENTIDADES DE DINERO
ELECTR\u00d3NICO
\u2014
21,50
21,50
2
126
118
4
5
METROVACESA, S.A.
ESPA\u00d1A
INMOBILIARIA
9,44
11,41
20,85
259
2.541
695
1.830
16
PLAY DIGITAL, S.A.
ARGENTINA
ENTIDADES DE PAGO
\u2014
10,80
10,80
2
19
3
27
(10)
REDSYS SERVICIOS DE PROCESAMIENTO, S.L.
ESPA\u00d1A
SERVICIOS FINANCIEROS
24,90
\u2014
24,90
20
121
42
75
4
ROMBO COMPA\u00d1IA FINANCIERA, S.A.
ARGENTINA
BANCA
\u2014
40,00
40,00
4
122
112
10
\u2014
SBD CREIXENT, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
23,05
23,05
1
5
1
5
\u2014
SEGURIDAD Y PROTECCION BANCARIAS, S.A. DE CV
MEXICO
SERVICIOS
\u2014
26,14
26,14
1
4
\u2014
3
1
SERVICIOS ELECTRONICOS GLOBALES, S.A. DE CV
MEXICO
SERVICIOS
\u2014
46,14
46,14
23
50
\u2014
38
13
SERVIRED SOCIEDAD ESPA\u00d1OLA DE MEDIOS DE
PAGO, S.A.
ESPA\u00d1A
SERVICIOS FINANCIEROS
28,72
\u2014
28,72
8
82
54
26
2
SISTEMAS DE TARJETAS Y MEDIOS DE PAGO, S.A.
ESPA\u00d1A
ENTIDADES DE PAGO
20,61
\u2014
20,61
2
377
369
5
3
SOLARIS SE (2)
ALEMANIA
BANCA
\u2014
15,51
15,51
66
3.317
3.086
268
(36)
TELEFONICA FACTORING ESPA\u00d1A, S.A. (3)
ESPA\u00d1A
SERVICIOS FINANCIEROS
30,00
\u2014
30,00
4
73
57
7
9
TF PERU SAC
PERU
SERVICIOS FINANCIEROS
\u2014
24,30
24,30
1
6
1
4
1
NEGOCIOS CONJUNTOS
ALTURA MARKETS SOCIEDAD DE VALORES, S.A.
ESPA\u00d1A
SOCIEDAD DE VALORES
(INVERSI\u00d3N MOBILIARIA)
50,00
\u2014
50,00
42
3.391
3.307
73
12
COMPA\u00d1IA MEXICANA DE PROCESAMIENTO, S.A.
DE CV
MEXICO
SERVICIOS
\u2014
50,00
50,00
10
20
\u2014
19
1
CORPORACION IBV PARTICIPACIONES
EMPRESARIALES, S.A.(4)
ESPA\u00d1A
CARTERA
\u2014
50,00
50,00
29
62
4
58
\u2014
FIDEICOMISO 1729 INVEX ENAJENACION DE
CARTERA (4)
MEXICO
INMOBILIARIA
\u2014
44,09
44,09
9
185
\u2014
185
\u2014
FIDEICOMISO F/402770-2 ALAMAR
MEXICO
INMOBILIARIA
\u2014
42,40
42,40
7
17
\u2014
17
\u2014
INVERSIONES PLATCO CA
VENEZUELA
SERVICIOS FINANCIEROS
\u2014
50,00
50,00
3
7
1
7
(1)
PROMOCIONS TERRES CAVADES, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
39,11
39,11
1
3
\u2014
3
\u2014
RCI COLOMBIA, S.A. COMPA\u00d1IA DE
FINANCIAMIENTO
COLOMBIA
SERVICIOS FINANCIEROS
\u2014
49,00
49,00
36
755
682
57
16
(1) En las sociedades extranjeras se aplica el tipo de cambio de 31 de diciembre de 2022.
(2) El porcentaje de derechos de voto pose\u00eddos por las entidades del Grupo en esta sociedad es 22,22%.
(3) Datos CCAA a 31 de diciembre 2021
(4) Clasificada como Activo no corriente en venta.
Este Anexo forma parte integrante de las Notas 3 y 16.1 de las Cuentas Anuales consolidadas correspondientes al ejercicio 2022", "dimensions": { "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zNDMvZnJhZzo4NDI0OTA4MDc1OGU0ZmJmYmY2ZTRjNGExZjYwMDE5MS90ZXh0cmVnaW9uOjg0MjQ5MDgwNzU4ZTRmYmZiZjZlNGM0YTFmNjAwMTkxXzQyMzMxMTk3NjY5NDI1_5ddcf6c8-c5dc-45a3-bfe4-6e7de2b301c8": { "value": "Inversiones en negocios conjuntos y asociadasNegocios conjuntos y asociadas
El desglose del saldo del cap\u00edtulo \u201cInversiones en negocios conjuntos y asociadas\u201d de los balances consolidados adjuntos se muestra
a continuaci\u00f3n:
Negocios conjuntos y asociadas. Desglose por entidades (Millones de euros)
2022
2021
2020
Negocios conjuntos
Altura Markets, S.V., S.A.
42
76
77
RCI Colombia
36
40
36
Desarrollo Metropolitanos del Sur, S.L.
\u2014
18
17
Resto de negocios conjuntos
22
18
19
Subtotal
100
152
149
Asociadas
Divarian Propiedad, S.A.U.
\u2014
\u2014
567
Metrovacesa, S.A.
259
259
285
BBVA Allianz Seguros y Reaseguros, S.A.
248
254
250
Atom Holdco Limited
132
77
64
Solaris SE
66
61
39
Cofides
31
28
25
Redsys servicios de procesamiento, S.L.
20
19
14
Servicios Electr\u00f3nicos Globales S.A. de CV
23
15
11
Resto asociadas
37
35
33
Subtotal
816
749
1.288
Total
916
900
1.437
El detalle de los negocios conjuntos y las asociadas a 31 de diciembre de 2022 se muestra en el Anexo II.
Los movimientos que han tenido lugar durante los ejercicios 2022, 2021 y 2020, en este cap\u00edtulo de los balances consolidados
adjuntos se resumen a continuaci\u00f3n:
Negocios conjuntos y asociadas. Movimientos del ejercicio (Millones de euros)
Notas
2022
2021
2020
Saldo inicial
900
1.437
1.488
Sociedades adquiridas y ampliaciones de capital
87
22
257
Sociedades enajenadas y reducciones de capital
(88)
(1)
(47)
Traspasos y cambios en el m\u00e9todo de consolidaci\u00f3n
\u2014
(559)
(7)
Resultados
39
20
1
(39)
Diferencias de cambio
(1)
9
(27)
Dividendos, ajustes por valoraci\u00f3n y otros
(2)
(9)
(188)
Saldo final
916
900
1.437
(1) En las sociedades extranjeras se aplica el tipo de cambio de 31 de diciembre de 2022.
(2) El porcentaje de derechos de voto pose\u00eddos por las entidades del Grupo en esta sociedad es 22,22%.
(3) Datos CCAA a 31 de diciembre 2021
(4) Clasificada como Activo no corriente en venta.
Este Anexo forma parte integrante de las Notas 3 y 16.1 de las Cuentas Anuales consolidadas correspondientes al ejercicio 2022.
", "dimensions": { "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zNDMvZnJhZzo4NDI0OTA4MDc1OGU0ZmJmYmY2ZTRjNGExZjYwMDE5MS90ZXh0cmVnaW9uOjg0MjQ5MDgwNzU4ZTRmYmZiZjZlNGM0YTFmNjAwMTkxXzQyMzMxMTk3NjY5NDI1_80c34c75-6e1e-4467-a379-ab654f0b3ff9": { "value": "Inversiones en negocios conjuntos y asociadasNegocios conjuntos y asociadas
El desglose del saldo del cap\u00edtulo \u201cInversiones en negocios conjuntos y asociadas\u201d de los balances consolidados adjuntos se muestra
a continuaci\u00f3n:
Negocios conjuntos y asociadas. Desglose por entidades (Millones de euros)
2022
2021
2020
Negocios conjuntos
Altura Markets, S.V., S.A.
42
76
77
RCI Colombia
36
40
36
Desarrollo Metropolitanos del Sur, S.L.
\u2014
18
17
Resto de negocios conjuntos
22
18
19
Subtotal
100
152
149
Asociadas
Divarian Propiedad, S.A.U.
\u2014
\u2014
567
Metrovacesa, S.A.
259
259
285
BBVA Allianz Seguros y Reaseguros, S.A.
248
254
250
Atom Holdco Limited
132
77
64
Solaris SE
66
61
39
Cofides
31
28
25
Redsys servicios de procesamiento, S.L.
20
19
14
Servicios Electr\u00f3nicos Globales S.A. de CV
23
15
11
Resto asociadas
37
35
33
Subtotal
816
749
1.288
Total
916
900
1.437
El detalle de los negocios conjuntos y las asociadas a 31 de diciembre de 2022 se muestra en el Anexo II.
Los movimientos que han tenido lugar durante los ejercicios 2022, 2021 y 2020, en este cap\u00edtulo de los balances consolidados
adjuntos se resumen a continuaci\u00f3n:
Negocios conjuntos y asociadas. Movimientos del ejercicio (Millones de euros)
Notas
2022
2021
2020
Saldo inicial
900
1.437
1.488
Sociedades adquiridas y ampliaciones de capital
87
22
257
Sociedades enajenadas y reducciones de capital
(88)
(1)
(47)
Traspasos y cambios en el m\u00e9todo de consolidaci\u00f3n
\u2014
(559)
(7)
Resultados
39
20
1
(39)
Diferencias de cambio
(1)
9
(27)
Dividendos, ajustes por valoraci\u00f3n y otros
(2)
(9)
(188)
Saldo final
916
900
1.437
(1) La variaci\u00f3n en 2022 se debe principalmente al cierre de la transacci\u00f3n con Merlin Properties por la cual el Grupo BBVA adquiri\u00f3 100% de las acciones de Tree Inversiones
Inmobiliarias, SOCIMI, S.A.
(2) La variaci\u00f3n en 2022 se debe principalmente al impacto de la aplicaci\u00f3n de la NIC 29 en Turqu\u00eda (ver Nota 2.2.19).
Activos tangibles: Composici\u00f3n y movimientos del ejercicio 2021 (Millones de euros)
Derecho de uso
Inversiones
inmobiliarias
Cedidos en
arrendamiento
operativo
Total
Notas
Terrenos y
edificios
Obras en
curso
Mobiliario,
instalaciones
y veh\u00edculos
Inmovilizado
de uso
propio
Inversiones
inmobiliarias
Coste
Saldo inicial
4.380
52
5.515
3.061
123
201
345
13.677
Adiciones
58
31
262
230
4
\u2014
\u2014
585
Retiros
(5)
(1)
(281)
(59)
\u2014
(1)
\u2014
(347)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(112)
(8)
(29)
(34)
35
1
\u2014
(147)
Diferencia de cambio y otros
29
(7)
(79)
(44)
\u2014
(54)
(78)
(233)
Saldo final
4.350
67
5.388
3.154
162
147
267
13.535
Amortizaci\u00f3n acumulada
Saldo inicial
833
\u2014
3.859
582
27
16
54
5.371
Dotaciones
45
79
\u2014
358
284
15
4
\u2014
740
Dotaciones traspasadas a
operaciones interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros
(19)
\u2014
(259)
(16)
\u2014
(4)
\u2014
(298)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(23)
\u2014
(17)
(5)
5
1
\u2014
(39)
Diferencia de cambio y otros
30
\u2014
(108)
(34)
\u2014
\u2014
(21)
(134)
Saldo final
900
\u2014
3.833
811
47
17
33
5.641
Deterioro
Saldo inicial
149
\u2014
\u2014
274
26
34
\u2014
483
Adiciones (1)
49
\u2014
\u2014
1
151
8
1
\u2014
161
Adiciones traspasadas a
operaciones interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(24)
\u2014
17
\u2014
\u2014
2
\u2014
(5)
Diferencia de cambio y otros
(11)
\u2014
(18)
2
\u2014
(16)
\u2014
(43)
Saldo final
114
\u2014
\u2014
427
34
21
\u2014
596
Activos tangibles neto
Saldo inicial
3.398
52
1.656
2.205
70
151
291
7.823
Saldo final
3.336
67
1.555
1.916
81
109
234
7.298
(1) En 2021 incluye correcciones de valor de derechos de uso por el cierre de las oficinas alquiladas tras el acuerdo con la representaci\u00f3n legal de los trabajadores sobre el
procedimiento de despido colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a (ver Notas 24 y 49).
Activos tangibles: Composici\u00f3n y movimientos del ejercicio 2020 (Millones de euros)
Derecho de uso
Total
Notas
Terrenos
y
edificios
Obras en
curso
Mobiliario,
instalaciones
y veh\u00edculos
Inmovilizado
de uso propio
Inversiones
inmobiliarias
Inversiones
inmobiliarias
Cedidos en
arrendamiento
operativo
Coste
Saldo inicial
6.001
56
6.351
3.516
101
216
337
16.578
Adiciones
157
54
255
183
0
2
\u2014
651
Retiros
(10)
(23)
(294)
(157)
(3)
(11)
\u2014
(498)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta (1)
(925)
(31)
(366)
(294)
\u2014
\u2014
\u2014
(1.616)
Traspasos
(248)
(2)
(5)
(60)
25
18
\u2014
(272)
Diferencia de cambio y otros
(595)
(2)
(426)
(127)
\u2014
(24)
8
(1.166)
Saldo final
4.380
52
5.515
3.061
123
201
345
13.677
Amortizaci\u00f3n acumulada
Saldo inicial
1.253
\u2014
4.344
370
11
15
74
6.067
Dotaciones
45
83
\u2014
370
312
12
3
1
781
Dotaciones traspasadas a
operaciones interrumpidas (1)
24
\u2014
20
32
\u2014
\u2014
\u2014
76
Retiros
(2)
\u2014
(248)
(10)
\u2014
\u2014
\u2014
(260)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta (1)
(373)
\u2014
(321)
(71)
\u2014
\u2014
\u2014
(765)
Traspasos
(42)
\u2014
(12)
(9)
4
1
\u2014
(58)
Diferencia de cambio y otros
(110)
\u2014
(294)
(42)
\u2014
(3)
(21)
(470)
Saldo final
833
\u2014
3.859
582
27
16
54
5.371
Deterioro
Saldo inicial
212
\u2014
\u2014
191
14
26
\u2014
443
Adiciones
49
18
\u2014
26
68
12
1
\u2014
125
Retiros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta (1)
(8)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(8)
Traspasos
(68)
\u2014
\u2014
10
\u2014
7
\u2014
(51)
Diferencia de cambio y otros
(5)
\u2014
(26)
5
\u2014
\u2014
\u2014
(26)
Saldo final
149
\u2014
\u2014
274
26
34
\u2014
483
Activos tangibles neto
Saldo inicial
4.536
56
2.007
2.955
76
175
263
10.068
Saldo final
3.398
52
1.656
2.205
70
151
290
7.823
(1) El saldo corresponde principalmente a las sociedades del Grupo que estaban en proceso de venta en Estados Unidos incluidas en la venta a PNC (ver Notas 3 y 21).
El derecho de uso corresponde principalmente al alquiler de los inmuebles y locales para la red de oficinas localizados en los pa\u00edses
donde el Grupo ejerce su negocio cuyo periodo medio se sit\u00faa entre 5 y 20 a\u00f1os. Las cl\u00e1usulas de los contratos de alquiler
corresponden en gran parte a contratos de alquiler en condiciones habituales de mercado en el pa\u00eds donde se alquila el bien.
Compra de Tree Inversiones Inmobiliarias SOCIMI, S.A. (Tree) a Merlin Properties SOCIMI, S.A.
El 15 de junio de 2022 BBVA adquiri\u00f3 a Merlin Properties SOCIMI, S.A., las acciones representativas de la totalidad del capital social de
Tree Inversiones Inmobiliarias SOCIMI, S.A. (en adelante, \u201cTree\u201d) por un importe de 1.988 millones de euros. Esta sociedad cuenta
con 662 inmuebles arrendados a BBVA que formaban parte del conjunto de inmuebles que BBVA vendi\u00f3 entre 2009 y 2010 bajo un
contrato de venta y arrendamiento posterior (sale and leaseback) y que hasta esa fecha estaban registrados como \u201cDerechos de uso\u201d
en el activo del balance consolidado del Grupo BBVA en los ep\u00edgrafes \u2018\u2018Activo tangible \u2013 Inmovilizado material\u2019\u2019 y \"Activo tangible \u2013
Inversiones inmobiliarias\" del balance consolidado y que, en el pasivo, se reflejaba la obligaci\u00f3n de pago en el ep\u00edgrafe \"Pasivos
financieros a coste amortizado \u2013 Otros pasivos financieros\", de acuerdo con la NIIF 16 Arrendamientos.
La operaci\u00f3n de compra de Tree se ha considerado una compra de activos dado que el Grupo ha determinado que no se adquiere un
conjunto de actividades que presente elementos que puedan constituir un negocio. Tras el cierre de esta operaci\u00f3n, el Grupo BBVA
ha vuelto a ser propietario de los inmuebles y los registr\u00f3 por su precio de adquisici\u00f3n en los estados financieros consolidados del
Grupo a 30 de junio de 2022. Los activos adquiridos que no est\u00e1n afectos a la actividad del Banco est\u00e1n registrados en el ep\u00edgrafe
\"Activos y pasivos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta\" (ver Nota
21).
El impacto de la transacci\u00f3n ascendi\u00f3 a -201 millones de euros (p\u00e9rdidas netas de impuestos) que se han registrado en los ep\u00edgrafes
\u201cGanancias (p\u00e9rdidas) procedentes de activos no corrientes y grupos enajenables de elementos clasificados como mantenidos para
la venta no admisibles como actividades interrumpidas\u201d por importe de -134 millones de euros y \u201cGastos o ingresos por impuestos
sobre las ganancias de las actividades continuadas\u201d por importe de -67 millones de euros de la Cuenta de p\u00e9rdidas y ganancias
consolidada del Grupo BBVA.
", "dimensions": { "concept": "ifrs-full:DisclosureOfInvestmentPropertyExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zNTUvZnJhZzozNDA5ZGVkYWVlOGY0ODI5YjU3Yjg2OTE5NWRhMDgxYS90ZXh0cmVnaW9uOjM0MDlkZWRhZWU4ZjQ4MjliNTdiODY5MTk1ZGEwODFhXzQyMzMxMTk3Njc5OTQ5_93a1977e-5e75-45c8-a050-8e1c6404600f": { "value": "Activos tangibles
La composici\u00f3n y el movimiento del saldo de este cap\u00edtulo de los balances consolidados adjuntos, seg\u00fan la naturaleza de las partidas
que los integran, se muestra a continuaci\u00f3n:
Activos tangibles: Composici\u00f3n y movimientos del ejercicio 2022 (Millones de euros)
Terrenos y
edificios
Obras en
curso
Mobiliario,
instalaciones
y veh\u00edculos
Derechos de uso
Inversiones
Inmobiliarias
Cedidos en
arrendamiento
operativo
Total
Notas
Inmovilizado
de uso
propio
Inversiones
inmobiliarias
Coste
Saldo inicial
4.350
67
5.388
3.154
162
147
267
13.535
Adiciones
366
71
475
578
19
95
122
1.726
Retiros
(4)
\u2014
(140)
(1.620)
(1)
(19)
\u2014
(1.784)
Entidades incorporadas al Grupo en el
ejercicio (1)
1.392
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
1.392
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(21)
(54)
(40)
(274)
33
(4)
\u2014
(360)
Diferencia de cambio y otros (2)
171
9
150
32
\u2014
23
193
580
Saldo final
6.255
93
5.833
1.871
214
242
582
15.089
Amortizaci\u00f3n acumulada
Saldo inicial
900
\u2014
3.833
811
47
17
33
5.641
Dotaciones
45
108
\u2014
393
295
18
5
\u2014
818
Dotaciones traspasadas a
operaciones interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros
(2)
\u2014
(132)
(244)
\u2014
(13)
\u2014
(392)
Entidades incorporadas al Grupo en el
ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
11
\u2014
52
(220)
6
13
\u2014
(139)
Diferencia de cambio y otros
47
\u2014
59
11
\u2014
2
19
138
Saldo final
1.064
\u2014
4.204
653
70
23
52
6.066
Deterioro
Saldo inicial
114
\u2014
\u2014
427
34
21
\u2014
596
Adiciones
49
(29)
\u2014
4
(45)
16
2
\u2014
(53)
Adiciones traspasadas a operaciones
interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades incorporadas al Grupo en el
ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(1)
\u2014
\u2014
(7)
\u2014
21
\u2014
13
Diferencia de cambio y otros
70
\u2014
(4)
(309)
\u2014
(26)
\u2014
(270)
Saldo final
154
\u2014
\u2014
65
50
17
\u2014
286
Activos tangibles neto
Saldo inicial
3.336
67
1.555
1.916
81
109
234
7.298
Saldo final
5.036
93
1.629
1.153
94
201
530
8.737
(1) La variaci\u00f3n en 2022 se debe principalmente al cierre de la transacci\u00f3n con Merlin Properties por la cual el Grupo BBVA adquiri\u00f3 100% de las acciones de Tree Inversiones
Inmobiliarias, SOCIMI, S.A.
(2) La variaci\u00f3n en 2022 se debe principalmente al impacto de la aplicaci\u00f3n de la NIC 29 en Turqu\u00eda (ver Nota 2.2.19).
Activos tangibles: Composici\u00f3n y movimientos del ejercicio 2021 (Millones de euros)
Derecho de uso
Inversiones
inmobiliarias
Cedidos en
arrendamiento
operativo
Total
Notas
Terrenos y
edificios
Obras en
curso
Mobiliario,
instalaciones
y veh\u00edculos
Inmovilizado
de uso
propio
Inversiones
inmobiliarias
Coste
Saldo inicial
4.380
52
5.515
3.061
123
201
345
13.677
Adiciones
58
31
262
230
4
\u2014
\u2014
585
Retiros
(5)
(1)
(281)
(59)
\u2014
(1)
\u2014
(347)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(112)
(8)
(29)
(34)
35
1
\u2014
(147)
Diferencia de cambio y otros
29
(7)
(79)
(44)
\u2014
(54)
(78)
(233)
Saldo final
4.350
67
5.388
3.154
162
147
267
13.535
Amortizaci\u00f3n acumulada
Saldo inicial
833
\u2014
3.859
582
27
16
54
5.371
Dotaciones
45
79
\u2014
358
284
15
4
\u2014
740
Dotaciones traspasadas a
operaciones interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros
(19)
\u2014
(259)
(16)
\u2014
(4)
\u2014
(298)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(23)
\u2014
(17)
(5)
5
1
\u2014
(39)
Diferencia de cambio y otros
30
\u2014
(108)
(34)
\u2014
\u2014
(21)
(134)
Saldo final
900
\u2014
3.833
811
47
17
33
5.641
Deterioro
Saldo inicial
149
\u2014
\u2014
274
26
34
\u2014
483
Adiciones (1)
49
\u2014
\u2014
1
151
8
1
\u2014
161
Adiciones traspasadas a
operaciones interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(24)
\u2014
17
\u2014
\u2014
2
\u2014
(5)
Diferencia de cambio y otros
(11)
\u2014
(18)
2
\u2014
(16)
\u2014
(43)
Saldo final
114
\u2014
\u2014
427
34
21
\u2014
596
Activos tangibles neto
Saldo inicial
3.398
52
1.656
2.205
70
151
291
7.823
Saldo final
3.336
67
1.555
1.916
81
109
234
7.298
(1) En 2021 incluye correcciones de valor de derechos de uso por el cierre de las oficinas alquiladas tras el acuerdo con la representaci\u00f3n legal de los trabajadores sobre el
procedimiento de despido colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a (ver Notas 24 y 49).
Activos tangibles: Composici\u00f3n y movimientos del ejercicio 2020 (Millones de euros)
Derecho de uso
Total
Notas
Terrenos
y
edificios
Obras en
curso
Mobiliario,
instalaciones
y veh\u00edculos
Inmovilizado
de uso propio
Inversiones
inmobiliarias
Inversiones
inmobiliarias
Cedidos en
arrendamiento
operativo
Coste
Saldo inicial
6.001
56
6.351
3.516
101
216
337
16.578
Adiciones
157
54
255
183
0
2
\u2014
651
Retiros
(10)
(23)
(294)
(157)
(3)
(11)
\u2014
(498)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta (1)
(925)
(31)
(366)
(294)
\u2014
\u2014
\u2014
(1.616)
Traspasos
(248)
(2)
(5)
(60)
25
18
\u2014
(272)
Diferencia de cambio y otros
(595)
(2)
(426)
(127)
\u2014
(24)
8
(1.166)
Saldo final
4.380
52
5.515
3.061
123
201
345
13.677
Amortizaci\u00f3n acumulada
Saldo inicial
1.253
\u2014
4.344
370
11
15
74
6.067
Dotaciones
45
83
\u2014
370
312
12
3
1
781
Dotaciones traspasadas a
operaciones interrumpidas (1)
24
\u2014
20
32
\u2014
\u2014
\u2014
76
Retiros
(2)
\u2014
(248)
(10)
\u2014
\u2014
\u2014
(260)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta (1)
(373)
\u2014
(321)
(71)
\u2014
\u2014
\u2014
(765)
Traspasos
(42)
\u2014
(12)
(9)
4
1
\u2014
(58)
Diferencia de cambio y otros
(110)
\u2014
(294)
(42)
\u2014
(3)
(21)
(470)
Saldo final
833
\u2014
3.859
582
27
16
54
5.371
Deterioro
Saldo inicial
212
\u2014
\u2014
191
14
26
\u2014
443
Adiciones
49
18
\u2014
26
68
12
1
\u2014
125
Retiros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta (1)
(8)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(8)
Traspasos
(68)
\u2014
\u2014
10
\u2014
7
\u2014
(51)
Diferencia de cambio y otros
(5)
\u2014
(26)
5
\u2014
\u2014
\u2014
(26)
Saldo final
149
\u2014
\u2014
274
26
34
\u2014
483
Activos tangibles neto
Saldo inicial
4.536
56
2.007
2.955
76
175
263
10.068
Saldo final
3.398
52
1.656
2.205
70
151
290
7.823
(1) El saldo corresponde principalmente a las sociedades del Grupo que estaban en proceso de venta en Estados Unidos incluidas en la venta a PNC (ver Notas 3 y 21).
El derecho de uso corresponde principalmente al alquiler de los inmuebles y locales para la red de oficinas localizados en los pa\u00edses
donde el Grupo ejerce su negocio cuyo periodo medio se sit\u00faa entre 5 y 20 a\u00f1os. Las cl\u00e1usulas de los contratos de alquiler
corresponden en gran parte a contratos de alquiler en condiciones habituales de mercado en el pa\u00eds donde se alquila el bien.
A 31 de diciembre de 2022, 2021 y 2020, el coste de los activos tangibles totalmente amortizados que continuaban en uso era de
2.443, 2.318 y 2.299 millones de euros, respectivamente, siendo su valor recuperable residual no significativo.
A 31 de diciembre de 2022, 2021 y 2020, el importe del activo tangible en r\u00e9gimen de arrendamiento financiero sobre el que se espera
ejercitar la opci\u00f3n de compra no era significativo. La actividad principal del Grupo se realiza a trav\u00e9s de una red de oficinas,
localizadas geogr\u00e1ficamente tal y como se muestra en el siguiente cuadro:
Oficinas por \u00e1rea geogr\u00e1fica (n\u00famero de oficinas)
2022
2021
2020
Espa\u00f1a (1)
1.886
1.895
2.482
M\u00e9xico
1.733
1.716
1.746
Am\u00e9rica del Sur
1.418
1.434
1.514
Estados Unidos
\u2014
\u2014
639
Turqu\u00eda
972
1.006
1.021
Resto
31
32
30
Total
6.040
6.083
7.432
(1) La variaci\u00f3n en el ejercicio 2021 se debe principalmente al cierre de las oficinas alquiladas tras el acuerdo con la representaci\u00f3n legal de los trabajadores sobre el
procedimiento de despido colectivo (ver Notas 24 y 49).
Otros pasivos financieros
El desglose del saldo de este ep\u00edgrafe de los balances consolidados adjuntos es:
Otros pasivos financieros (Millones de euros)
2022
2021
2020
Pasivos por arrendamientos (1)
1.398
2.560
2.674
Acreedores por otros pasivos financieros
3.589
2.657
2.408
Cuentas de recaudaci\u00f3n
3.426
3.839
3.275
Acreedores por otras obligaciones a pagar (2)
5.673
6.127
5.000
Total
14.086
15.183
13.358
(1) La variaci\u00f3n en 2022 se debe principalmente al cierre de la transacci\u00f3n con Merlin Properties por la cual el Grupo BBVA adquiri\u00f3 el 100% de las acciones de Tree Inversiones
Inmobiliarias, SOCIMI, S.A. (ver Nota 17).
(2) Este ep\u00edgrafe incluye en 2021 el importe comprometido por la adquisici\u00f3n de acciones propias del programa de recompra (ver Notas 2.2.14 y 4).
A continuaci\u00f3n se detallan los vencimientos de los pasivos por arrendamiento con vencimiento posterior a 31 de diciembre de 2022:
Vencimientos de pasivos por arrendamientos (Millones de euros)
Menos de 1
a\u00f1o
De 1 a 3
a\u00f1os
De 3 a 5
a\u00f1os
M\u00e1s de 5
a\u00f1os
Total
Por arrendamiento
142
260
305
691
1.398
(1) La variaci\u00f3n en 2022 se debe principalmente al cierre de la transacci\u00f3n con Merlin Properties por la cual el Grupo BBVA adquiri\u00f3 100% de las acciones de Tree Inversiones
Inmobiliarias, SOCIMI, S.A.
(2) La variaci\u00f3n en 2022 se debe principalmente al impacto de la aplicaci\u00f3n de la NIC 29 en Turqu\u00eda (ver Nota 2.2.19).
Activos tangibles: Composici\u00f3n y movimientos del ejercicio 2021 (Millones de euros)
Derecho de uso
Inversiones
inmobiliarias
Cedidos en
arrendamiento
operativo
Total
Notas
Terrenos y
edificios
Obras en
curso
Mobiliario,
instalaciones
y veh\u00edculos
Inmovilizado
de uso
propio
Inversiones
inmobiliarias
Coste
Saldo inicial
4.380
52
5.515
3.061
123
201
345
13.677
Adiciones
58
31
262
230
4
\u2014
\u2014
585
Retiros
(5)
(1)
(281)
(59)
\u2014
(1)
\u2014
(347)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(112)
(8)
(29)
(34)
35
1
\u2014
(147)
Diferencia de cambio y otros
29
(7)
(79)
(44)
\u2014
(54)
(78)
(233)
Saldo final
4.350
67
5.388
3.154
162
147
267
13.535
Amortizaci\u00f3n acumulada
Saldo inicial
833
\u2014
3.859
582
27
16
54
5.371
Dotaciones
45
79
\u2014
358
284
15
4
\u2014
740
Dotaciones traspasadas a
operaciones interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros
(19)
\u2014
(259)
(16)
\u2014
(4)
\u2014
(298)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(23)
\u2014
(17)
(5)
5
1
\u2014
(39)
Diferencia de cambio y otros
30
\u2014
(108)
(34)
\u2014
\u2014
(21)
(134)
Saldo final
900
\u2014
3.833
811
47
17
33
5.641
Deterioro
Saldo inicial
149
\u2014
\u2014
274
26
34
\u2014
483
Adiciones (1)
49
\u2014
\u2014
1
151
8
1
\u2014
161
Adiciones traspasadas a
operaciones interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades enajenadas en el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Traspasos
(24)
\u2014
17
\u2014
\u2014
2
\u2014
(5)
Diferencia de cambio y otros
(11)
\u2014
(18)
2
\u2014
(16)
\u2014
(43)
Saldo final
114
\u2014
\u2014
427
34
21
\u2014
596
Activos tangibles neto
Saldo inicial
3.398
52
1.656
2.205
70
151
291
7.823
Saldo final
3.336
67
1.555
1.916
81
109
234
7.298
(1) En 2021 incluye correcciones de valor de derechos de uso por el cierre de las oficinas alquiladas tras el acuerdo con la representaci\u00f3n legal de los trabajadores sobre el
procedimiento de despido colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a (ver Notas 24 y 49).
Activos tangibles: Composici\u00f3n y movimientos del ejercicio 2020 (Millones de euros)
Derecho de uso
Total
Notas
Terrenos
y
edificios
Obras en
curso
Mobiliario,
instalaciones
y veh\u00edculos
Inmovilizado
de uso propio
Inversiones
inmobiliarias
Inversiones
inmobiliarias
Cedidos en
arrendamiento
operativo
Coste
Saldo inicial
6.001
56
6.351
3.516
101
216
337
16.578
Adiciones
157
54
255
183
0
2
\u2014
651
Retiros
(10)
(23)
(294)
(157)
(3)
(11)
\u2014
(498)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta (1)
(925)
(31)
(366)
(294)
\u2014
\u2014
\u2014
(1.616)
Traspasos
(248)
(2)
(5)
(60)
25
18
\u2014
(272)
Diferencia de cambio y otros
(595)
(2)
(426)
(127)
\u2014
(24)
8
(1.166)
Saldo final
4.380
52
5.515
3.061
123
201
345
13.677
Amortizaci\u00f3n acumulada
Saldo inicial
1.253
\u2014
4.344
370
11
15
74
6.067
Dotaciones
45
83
\u2014
370
312
12
3
1
781
Dotaciones traspasadas a
operaciones interrumpidas (1)
24
\u2014
20
32
\u2014
\u2014
\u2014
76
Retiros
(2)
\u2014
(248)
(10)
\u2014
\u2014
\u2014
(260)
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta (1)
(373)
\u2014
(321)
(71)
\u2014
\u2014
\u2014
(765)
Traspasos
(42)
\u2014
(12)
(9)
4
1
\u2014
(58)
Diferencia de cambio y otros
(110)
\u2014
(294)
(42)
\u2014
(3)
(21)
(470)
Saldo final
833
\u2014
3.859
582
27
16
54
5.371
Deterioro
Saldo inicial
212
\u2014
\u2014
191
14
26
\u2014
443
Adiciones
49
18
\u2014
26
68
12
1
\u2014
125
Retiros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Entidades incorporadas al Grupo en
el ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta (1)
(8)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(8)
Traspasos
(68)
\u2014
\u2014
10
\u2014
7
\u2014
(51)
Diferencia de cambio y otros
(5)
\u2014
(26)
5
\u2014
\u2014
\u2014
(26)
Saldo final
149
\u2014
\u2014
274
26
34
\u2014
483
Activos tangibles neto
Saldo inicial
4.536
56
2.007
2.955
76
175
263
10.068
Saldo final
3.398
52
1.656
2.205
70
151
290
7.823
(1) El saldo corresponde principalmente a las sociedades del Grupo que estaban en proceso de venta en Estados Unidos incluidas en la venta a PNC (ver Notas 3 y 21).
El derecho de uso corresponde principalmente al alquiler de los inmuebles y locales para la red de oficinas localizados en los pa\u00edses
donde el Grupo ejerce su negocio cuyo periodo medio se sit\u00faa entre 5 y 20 a\u00f1os. Las cl\u00e1usulas de los contratos de alquiler
corresponden en gran parte a contratos de alquiler en condiciones habituales de mercado en el pa\u00eds donde se alquila el bien.
A 31 de diciembre de 2022, 2021 y 2020, el coste de los activos tangibles totalmente amortizados que continuaban en uso era de
2.443, 2.318 y 2.299 millones de euros, respectivamente, siendo su valor recuperable residual no significativo.
A 31 de diciembre de 2022, 2021 y 2020, el importe del activo tangible en r\u00e9gimen de arrendamiento financiero sobre el que se espera
ejercitar la opci\u00f3n de compra no era significativo. La actividad principal del Grupo se realiza a trav\u00e9s de una red de oficinas,
localizadas geogr\u00e1ficamente tal y como se muestra en el siguiente cuadro:
Oficinas por \u00e1rea geogr\u00e1fica (n\u00famero de oficinas)
2022
2021
2020
Espa\u00f1a (1)
1.886
1.895
2.482
M\u00e9xico
1.733
1.716
1.746
Am\u00e9rica del Sur
1.418
1.434
1.514
Estados Unidos
\u2014
\u2014
639
Turqu\u00eda
972
1.006
1.021
Resto
31
32
30
Total
6.040
6.083
7.432
(1) La variaci\u00f3n en el ejercicio 2021 se debe principalmente al cierre de las oficinas alquiladas tras el acuerdo con la representaci\u00f3n legal de los trabajadores sobre el
procedimiento de despido colectivo (ver Notas 24 y 49).
A continuaci\u00f3n se presenta el desglose del valor neto contable de los activos tangibles correspondientes a sociedades espa\u00f1olas y
extranjeras a 31 de diciembre de 2022, 2021 y 2020:
Activos tangibles por sociedades espa\u00f1olas y extranjeras. Valores netos contables (Millones de euros)
2022 \u207d\u00b9\u207e
2021 \u207d\u00b2\u207e
2020
BBVA y sociedades dependientes espa\u00f1olas
4.285
3.873
4.294
Sociedades dependientes extranjeras
4.452
3.425
3.529
Total
8.737
7.298
7.823
(1) Desde el acuerdo de la venta de BBVA USA, Estados Unidos dej\u00f3 de tener la consideraci\u00f3n de UGE (Ver Nota 3).
(2) Como consecuencia de la aplicaci\u00f3n de la NIC 29 tal y como indica la Nota 2.2.19, el valor en libros de UGE de Turqu\u00eda se ha incrementado por encima del valor recuperable
existente a 31 de diciembre de 2021, con lo que se ha procedido a la baja del fondo de comercio, as\u00ed como a la baja de otros activos intangibles (ver Nota 18.2) asignados a la UGE
de Turqu\u00eda.
Combinaciones de negocio
No se han producido combinaciones de negocio significativas durante los ejercicios 2022, 2021 y 2020.
Test de deterioro
Tal y como se menciona en la Nota 2.2.7, las UGE a las que se han asignado los fondos de comercio se analizan peri\u00f3dicamente,
incluyendo en su valor en libros la parte del fondo de comercio asignada, para determinar si se han deteriorado.
Este an\u00e1lisis se realiza al menos anualmente, o siempre que existan indicios de deterioro. Asimismo, se analiza si, ciertos cambios en
las hip\u00f3tesis de valoraci\u00f3n utilizadas, podr\u00edan dar lugar a diferencias en el resultado del test de deterioro.
El Grupo realiza estimaciones del valor recuperable de determinadas UGE calculando su valor en uso mediante el descuento de
proyecciones de flujos de efectivo.
Las principales hip\u00f3tesis utilizadas para el c\u00e1lculo del valor en uso son:
\u2013Las proyecciones de los flujos de caja, incluyendo margen de intereses y coste de riesgo, estimados por la Direcci\u00f3n del
Grupo, basadas en los \u00faltimos presupuestos disponibles para los pr\u00f3ximos de 4 a 5 a\u00f1os los cuales tienen en consideraci\u00f3n
variables microecon\u00f3micas de cada UGE considerando la estructura de balance existente, as\u00ed como variables
macroecon\u00f3micas como la evoluci\u00f3n de tipos de inter\u00e9s y del PIB de la geograf\u00eda donde la UGE se encuentra localizada,
entre otras.
\u2013La tasa de crecimiento constante para extrapolar los flujos de caja, a partir del cuarto o quinto a\u00f1o, m\u00e1s all\u00e1 del periodo
cubierto por los presupuestos o previsiones.
\u2013La tasa para descontar los flujos de caja futuros, que coincide con el coste de capital asignado a cada UGE, y que se
compone de una tasa libre de riesgo m\u00e1s una prima que refleja el riesgo inherente de cada uno de los negocios evaluados.
El enfoque utilizado por la Direcci\u00f3n del Grupo para determinar los valores de las hip\u00f3tesis est\u00e1 basado tanto en sus proyecciones
como en la experiencia pasada. Dichos valores son contrastados con fuentes de informaci\u00f3n externas, en la medida en la que \u00e9stas
est\u00e9n disponibles.
Fondo de comercio - UGE M\u00e9xico
El fondo de comercio m\u00e1s significativo del Grupo corresponde a la UGE de M\u00e9xico. Las hip\u00f3tesis m\u00e1s significativas usadas en el test
de deterioro de dicha UGE a 31 de diciembre de 2022, 2021 y 2020 son:
Hip\u00f3tesis test de deterioro fondo de comercio UGE - M\u00e9xico
2022
2021
2020
Tasa de descuento (1)
12,7 %
14,5 %
15,3 %
Tasa de crecimiento
6,3 %
5,7 %
5,7 %
(1) El uso de tasas de descuento o de crecimiento muy diferentes ser\u00eda inconsistente con las hip\u00f3tesis macroecon\u00f3micas bajo las cuales la Unidad construye su plan de negocio,
tales como hip\u00f3tesis de inflaci\u00f3n o curvas de tipos de inter\u00e9s empleadas para la determinaci\u00f3n de los flujos de caja.
Fondo de comercio - UGE Turqu\u00eda
Como consecuencia de la aplicaci\u00f3n de la NIC 29 tal y como indica la Nota 2.2.19, en 2022 el valor en libros de UGE de Turqu\u00eda se ha
incrementado por encima del valor recuperable existente a 31 de diciembre de 2021, con lo que se ha procedido a la baja del fondo de
comercio, as\u00ed como a la baja de otros activos intangibles (ver Nota 18.2) asignados a la UGE de Turqu\u00eda.
Las hip\u00f3tesis m\u00e1s significativas usadas en el test de deterioro de dicha UGE a 31 de diciembre de 2021 fueron una tasa de descuento
(despu\u00e9s de impuestos) del 27,7% y una tasa de crecimiento del 7,0% (21,0% y 7,0%, respectivamente a 31 de diciembre de 2020).
Fondo de comercio \u2013 UGE Estados Unidos
Desde la venta de BBVA USA en 2021, Estados Unidos ya no tiene la consideraci\u00f3n de UGE (Ver Nota 3).
A 31 de marzo de 2020, se identificaron indicadores de deterioro del fondo de comercio en la UGE de Estados Unidos y como
resultado de la valoraci\u00f3n de los fondos de comercio, el Grupo registr\u00f3 un deterioro en la UGE de Estados Unidos que ascendi\u00f3 a
2.084 millones de euros, fundamentalmente debido al impacto negativo por la actualizaci\u00f3n del escenario macroecon\u00f3mico afectado
por la pandemia COVID-19 y a la evoluci\u00f3n esperada de los tipos de inter\u00e9s. Este registro no afect\u00f3 ni al patrimonio neto tangible, ni a
la liquidez, ni al capital del Grupo.
Las hip\u00f3tesis m\u00e1s significativas usadas en el test de deterioro de dicha UGE a 31 de marzo de 2020 fueron una tasa de descuento
(despu\u00e9s de impuestos) del 10,3% y una tasa de crecimiento del 3,0%.
Fondo de comercio \u2013 Resto de UGE
Los test de deterioro llevados a cabo sobre el resto de las UGE no han detectado deterioros significativos. Del mismo modo que los
an\u00e1lisis de sensibilidades sobre las principales hip\u00f3tesis llevados a cabo sobre el resto de las UGE del Grupo indican que el valor en
uso continuar\u00eda excediendo su valor en libros.
Otros activos intangibles
La composici\u00f3n del saldo de este cap\u00edtulo de los balances consolidados adjuntos, seg\u00fan la naturaleza de las partidas que los integran,
se muestra a continuaci\u00f3n:
Otros activos intangibles (Millones de euros)
2022
2021
2020
Gastos de adquisici\u00f3n de aplicaciones inform\u00e1ticas
1.393
1.239
1.202
Otros activos intangibles de vida indefinida
13
12
12
Otros activos intangibles de vida definida
43
128
221
Total
1.449
1.379
1.435
El movimiento de este ep\u00edgrafe registrado durante los ejercicios de 2022, 2021 y 2020, se muestra a continuaci\u00f3n:
Otros activos intangibles (Millones de euros)
Notas
Aplicaciones inform\u00e1ticas
Otros activos intangibles
Total activos intangibles
2022
2021
2020
2022
2021
2020
2022
2021
2020
Saldo inicial
1.239
1.202
1.598
140
233
412
1.379
1.435
2.010
Adiciones e incorporaciones al grupo
592
470
452
\u2014
\u2014
8
592
470
460
Amortizaci\u00f3n del ejercicio
45
(490)
(446)
(448)
(20)
(48)
(59)
(510)
(494)
(507)
Amortizaciones traspasadas a
operaciones interrumpidas (1)
\u2014
\u2014
(77)
\u2014
\u2014
(3)
\u2014
\u2014
(80)
Diferencias de cambio y otros
80
29
(38)
(63)
(45)
(91)
17
(16)
(129)
Deterioro
(25)
(15)
(6)
\u2014
\u2014
\u2014
(25)
(15)
(6)
Bajas por sociedades en proceso
de venta (1)
\u2014
\u2014
(279)
\u2014
\u2014
(34)
\u2014
\u2014
(313)
Saldo final
1.396
1.239
1.202
56
140
233
1.453
1.379
1.435
(1) Desde el acuerdo de la venta de BBVA USA, Estados Unidos dej\u00f3 de tener la consideraci\u00f3n de UGE (Ver Nota 3).
(2) Como consecuencia de la aplicaci\u00f3n de la NIC 29 tal y como indica la Nota 2.2.19, el valor en libros de UGE de Turqu\u00eda se ha incrementado por encima del valor recuperable
existente a 31 de diciembre de 2021, con lo que se ha procedido a la baja del fondo de comercio, as\u00ed como a la baja de otros activos intangibles (ver Nota 18.2) asignados a la UGE
de Turqu\u00eda.
Combinaciones de negocio
No se han producido combinaciones de negocio significativas durante los ejercicios 2022, 2021 y 2020.
Test de deterioro
Tal y como se menciona en la Nota 2.2.7, las UGE a las que se han asignado los fondos de comercio se analizan peri\u00f3dicamente,
incluyendo en su valor en libros la parte del fondo de comercio asignada, para determinar si se han deteriorado.
Este an\u00e1lisis se realiza al menos anualmente, o siempre que existan indicios de deterioro. Asimismo, se analiza si, ciertos cambios en
las hip\u00f3tesis de valoraci\u00f3n utilizadas, podr\u00edan dar lugar a diferencias en el resultado del test de deterioro.
El Grupo realiza estimaciones del valor recuperable de determinadas UGE calculando su valor en uso mediante el descuento de
proyecciones de flujos de efectivo.
Las principales hip\u00f3tesis utilizadas para el c\u00e1lculo del valor en uso son:
\u2013Las proyecciones de los flujos de caja, incluyendo margen de intereses y coste de riesgo, estimados por la Direcci\u00f3n del
Grupo, basadas en los \u00faltimos presupuestos disponibles para los pr\u00f3ximos de 4 a 5 a\u00f1os los cuales tienen en consideraci\u00f3n
variables microecon\u00f3micas de cada UGE considerando la estructura de balance existente, as\u00ed como variables
macroecon\u00f3micas como la evoluci\u00f3n de tipos de inter\u00e9s y del PIB de la geograf\u00eda donde la UGE se encuentra localizada,
entre otras.
\u2013La tasa de crecimiento constante para extrapolar los flujos de caja, a partir del cuarto o quinto a\u00f1o, m\u00e1s all\u00e1 del periodo
cubierto por los presupuestos o previsiones.
\u2013La tasa para descontar los flujos de caja futuros, que coincide con el coste de capital asignado a cada UGE, y que se
compone de una tasa libre de riesgo m\u00e1s una prima que refleja el riesgo inherente de cada uno de los negocios evaluados.
El enfoque utilizado por la Direcci\u00f3n del Grupo para determinar los valores de las hip\u00f3tesis est\u00e1 basado tanto en sus proyecciones
como en la experiencia pasada. Dichos valores son contrastados con fuentes de informaci\u00f3n externas, en la medida en la que \u00e9stas
est\u00e9n disponibles.
Fondo de comercio - UGE M\u00e9xico
El fondo de comercio m\u00e1s significativo del Grupo corresponde a la UGE de M\u00e9xico. Las hip\u00f3tesis m\u00e1s significativas usadas en el test
de deterioro de dicha UGE a 31 de diciembre de 2022, 2021 y 2020 son:
Hip\u00f3tesis test de deterioro fondo de comercio UGE - M\u00e9xico
2022
2021
2020
Tasa de descuento (1)
12,7 %
14,5 %
15,3 %
Tasa de crecimiento
6,3 %
5,7 %
5,7 %
(1) El uso de tasas de descuento o de crecimiento muy diferentes ser\u00eda inconsistente con las hip\u00f3tesis macroecon\u00f3micas bajo las cuales la Unidad construye su plan de negocio,
tales como hip\u00f3tesis de inflaci\u00f3n o curvas de tipos de inter\u00e9s empleadas para la determinaci\u00f3n de los flujos de caja.
Fondo de comercio - UGE Turqu\u00eda
Como consecuencia de la aplicaci\u00f3n de la NIC 29 tal y como indica la Nota 2.2.19, en 2022 el valor en libros de UGE de Turqu\u00eda se ha
incrementado por encima del valor recuperable existente a 31 de diciembre de 2021, con lo que se ha procedido a la baja del fondo de
comercio, as\u00ed como a la baja de otros activos intangibles (ver Nota 18.2) asignados a la UGE de Turqu\u00eda.
Las hip\u00f3tesis m\u00e1s significativas usadas en el test de deterioro de dicha UGE a 31 de diciembre de 2021 fueron una tasa de descuento
(despu\u00e9s de impuestos) del 27,7% y una tasa de crecimiento del 7,0% (21,0% y 7,0%, respectivamente a 31 de diciembre de 2020).
Fondo de comercio \u2013 UGE Estados Unidos
Desde la venta de BBVA USA en 2021, Estados Unidos ya no tiene la consideraci\u00f3n de UGE (Ver Nota 3).
A 31 de marzo de 2020, se identificaron indicadores de deterioro del fondo de comercio en la UGE de Estados Unidos y como
resultado de la valoraci\u00f3n de los fondos de comercio, el Grupo registr\u00f3 un deterioro en la UGE de Estados Unidos que ascendi\u00f3 a
2.084 millones de euros, fundamentalmente debido al impacto negativo por la actualizaci\u00f3n del escenario macroecon\u00f3mico afectado
por la pandemia COVID-19 y a la evoluci\u00f3n esperada de los tipos de inter\u00e9s. Este registro no afect\u00f3 ni al patrimonio neto tangible, ni a
la liquidez, ni al capital del Grupo.
Las hip\u00f3tesis m\u00e1s significativas usadas en el test de deterioro de dicha UGE a 31 de marzo de 2020 fueron una tasa de descuento
(despu\u00e9s de impuestos) del 10,3% y una tasa de crecimiento del 3,0%.
Fondo de comercio \u2013 Resto de UGE
Los test de deterioro llevados a cabo sobre el resto de las UGE no han detectado deterioros significativos. Del mismo modo que los
an\u00e1lisis de sensibilidades sobre las principales hip\u00f3tesis llevados a cabo sobre el resto de las UGE del Grupo indican que el valor en
uso continuar\u00eda excediendo su valor en libros.
", "dimensions": { "concept": "ifrs-full:DisclosureOfGoodwillExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zNTgvZnJhZzowZGI0MmViOGY3YmE0NGNlODNmZWI3OGFiNTYwNmEzYi90ZXh0cmVnaW9uOjBkYjQyZWI4ZjdiYTQ0Y2U4M2ZlYjc4YWI1NjA2YTNiXzQyMzMxMTk3NjY5Mzk5_b09a24a9-5651-4841-babc-7854f488f619": { "value": "Activos intangiblesFondo de comercio
La composici\u00f3n del saldo y el movimiento de este ep\u00edgrafe de los balances consolidados adjuntos, en funci\u00f3n de la UGE a la que se ha
asignado el fondo de comercio, es:
Fondo de comercio. Detalle por UGE y movimientos del ejercicio (Millones de euros)
Estados
Unidos (1)
M\u00e9xico
Turqu\u00eda (2)
Colombia
Chile
Resto
Total
Saldo a 31/12/2019
3.846
550
346
164
27
22
4.955
Adiciones
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Diferencias de cambio
(22)
(72)
(92)
(21)
\u2014
(1)
(208)
Deterioros
(2.084)
\u2014
\u2014
\u2014
\u2014
(13)
(2.097)
Sociedades en proceso de venta
(1.740)
\u2014
\u2014
\u2014
\u2014
\u2014
(1.740)
Otros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Saldo a 31/12/2020
\u2014
478
254
143
27
8
910
Adiciones
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Diferencias de cambio
\u2014
26
(102)
(9)
(3)
\u2014
(88)
Deterioros
\u2014
\u2014
\u2014
\u2014
\u2014
(4)
(4)
Sociedades en proceso de venta
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Saldo a 31/12/2021
\u2014
504
152
134
24
4
818
Adiciones
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Diferencias de cambio
\u2014
55
\u2014
(16)
1
1
41
Deterioros
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Sociedades en proceso de venta
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros
\u2014
(152)
\u2014
\u2014
\u2014
(152)
Saldo a 31/12/2022
\u2014
559
\u2014
118
25
5
707
(1) Desde el acuerdo de la venta de BBVA USA, Estados Unidos dej\u00f3 de tener la consideraci\u00f3n de UGE (Ver Nota 3).
(2) Como consecuencia de la aplicaci\u00f3n de la NIC 29 tal y como indica la Nota 2.2.19, el valor en libros de UGE de Turqu\u00eda se ha incrementado por encima del valor recuperable
existente a 31 de diciembre de 2021, con lo que se ha procedido a la baja del fondo de comercio, as\u00ed como a la baja de otros activos intangibles (ver Nota 18.2) asignados a la UGE
de Turqu\u00eda.
Combinaciones de negocio
No se han producido combinaciones de negocio significativas durante los ejercicios 2022, 2021 y 2020.
Test de deterioro
Tal y como se menciona en la Nota 2.2.7, las UGE a las que se han asignado los fondos de comercio se analizan peri\u00f3dicamente,
incluyendo en su valor en libros la parte del fondo de comercio asignada, para determinar si se han deteriorado.
Este an\u00e1lisis se realiza al menos anualmente, o siempre que existan indicios de deterioro. Asimismo, se analiza si, ciertos cambios en
las hip\u00f3tesis de valoraci\u00f3n utilizadas, podr\u00edan dar lugar a diferencias en el resultado del test de deterioro.
El Grupo realiza estimaciones del valor recuperable de determinadas UGE calculando su valor en uso mediante el descuento de
proyecciones de flujos de efectivo.
Las principales hip\u00f3tesis utilizadas para el c\u00e1lculo del valor en uso son:
\u2013Las proyecciones de los flujos de caja, incluyendo margen de intereses y coste de riesgo, estimados por la Direcci\u00f3n del
Grupo, basadas en los \u00faltimos presupuestos disponibles para los pr\u00f3ximos de 4 a 5 a\u00f1os los cuales tienen en consideraci\u00f3n
variables microecon\u00f3micas de cada UGE considerando la estructura de balance existente, as\u00ed como variables
macroecon\u00f3micas como la evoluci\u00f3n de tipos de inter\u00e9s y del PIB de la geograf\u00eda donde la UGE se encuentra localizada,
entre otras.
\u2013La tasa de crecimiento constante para extrapolar los flujos de caja, a partir del cuarto o quinto a\u00f1o, m\u00e1s all\u00e1 del periodo
cubierto por los presupuestos o previsiones.
\u2013La tasa para descontar los flujos de caja futuros, que coincide con el coste de capital asignado a cada UGE, y que se
compone de una tasa libre de riesgo m\u00e1s una prima que refleja el riesgo inherente de cada uno de los negocios evaluados.
El enfoque utilizado por la Direcci\u00f3n del Grupo para determinar los valores de las hip\u00f3tesis est\u00e1 basado tanto en sus proyecciones
como en la experiencia pasada. Dichos valores son contrastados con fuentes de informaci\u00f3n externas, en la medida en la que \u00e9stas
est\u00e9n disponibles.
Fondo de comercio - UGE M\u00e9xico
El fondo de comercio m\u00e1s significativo del Grupo corresponde a la UGE de M\u00e9xico. Las hip\u00f3tesis m\u00e1s significativas usadas en el test
de deterioro de dicha UGE a 31 de diciembre de 2022, 2021 y 2020 son:
Hip\u00f3tesis test de deterioro fondo de comercio UGE - M\u00e9xico
2022
2021
2020
Tasa de descuento (1)
12,7 %
14,5 %
15,3 %
Tasa de crecimiento
6,3 %
5,7 %
5,7 %
(1) El uso de tasas de descuento o de crecimiento muy diferentes ser\u00eda inconsistente con las hip\u00f3tesis macroecon\u00f3micas bajo las cuales la Unidad construye su plan de negocio,
tales como hip\u00f3tesis de inflaci\u00f3n o curvas de tipos de inter\u00e9s empleadas para la determinaci\u00f3n de los flujos de caja.
Fondo de comercio - UGE Turqu\u00eda
Como consecuencia de la aplicaci\u00f3n de la NIC 29 tal y como indica la Nota 2.2.19, en 2022 el valor en libros de UGE de Turqu\u00eda se ha
incrementado por encima del valor recuperable existente a 31 de diciembre de 2021, con lo que se ha procedido a la baja del fondo de
comercio, as\u00ed como a la baja de otros activos intangibles (ver Nota 18.2) asignados a la UGE de Turqu\u00eda.
Las hip\u00f3tesis m\u00e1s significativas usadas en el test de deterioro de dicha UGE a 31 de diciembre de 2021 fueron una tasa de descuento
(despu\u00e9s de impuestos) del 27,7% y una tasa de crecimiento del 7,0% (21,0% y 7,0%, respectivamente a 31 de diciembre de 2020).
Fondo de comercio \u2013 UGE Estados Unidos
Desde la venta de BBVA USA en 2021, Estados Unidos ya no tiene la consideraci\u00f3n de UGE (Ver Nota 3).
A 31 de marzo de 2020, se identificaron indicadores de deterioro del fondo de comercio en la UGE de Estados Unidos y como
resultado de la valoraci\u00f3n de los fondos de comercio, el Grupo registr\u00f3 un deterioro en la UGE de Estados Unidos que ascendi\u00f3 a
2.084 millones de euros, fundamentalmente debido al impacto negativo por la actualizaci\u00f3n del escenario macroecon\u00f3mico afectado
por la pandemia COVID-19 y a la evoluci\u00f3n esperada de los tipos de inter\u00e9s. Este registro no afect\u00f3 ni al patrimonio neto tangible, ni a
la liquidez, ni al capital del Grupo.
Las hip\u00f3tesis m\u00e1s significativas usadas en el test de deterioro de dicha UGE a 31 de marzo de 2020 fueron una tasa de descuento
(despu\u00e9s de impuestos) del 10,3% y una tasa de crecimiento del 3,0%.
Fondo de comercio \u2013 Resto de UGE
Los test de deterioro llevados a cabo sobre el resto de las UGE no han detectado deterioros significativos. Del mismo modo que los
an\u00e1lisis de sensibilidades sobre las principales hip\u00f3tesis llevados a cabo sobre el resto de las UGE del Grupo indican que el valor en
uso continuar\u00eda excediendo su valor en libros.
Otros activos intangibles
La composici\u00f3n del saldo de este cap\u00edtulo de los balances consolidados adjuntos, seg\u00fan la naturaleza de las partidas que los integran,
se muestra a continuaci\u00f3n:
Otros activos intangibles (Millones de euros)
2022
2021
2020
Gastos de adquisici\u00f3n de aplicaciones inform\u00e1ticas
1.393
1.239
1.202
Otros activos intangibles de vida indefinida
13
12
12
Otros activos intangibles de vida definida
43
128
221
Total
1.449
1.379
1.435
El movimiento de este ep\u00edgrafe registrado durante los ejercicios de 2022, 2021 y 2020, se muestra a continuaci\u00f3n:
Otros activos intangibles (Millones de euros)
Notas
Aplicaciones inform\u00e1ticas
Otros activos intangibles
Total activos intangibles
2022
2021
2020
2022
2021
2020
2022
2021
2020
Saldo inicial
1.239
1.202
1.598
140
233
412
1.379
1.435
2.010
Adiciones e incorporaciones al grupo
592
470
452
\u2014
\u2014
8
592
470
460
Amortizaci\u00f3n del ejercicio
45
(490)
(446)
(448)
(20)
(48)
(59)
(510)
(494)
(507)
Amortizaciones traspasadas a
operaciones interrumpidas (1)
\u2014
\u2014
(77)
\u2014
\u2014
(3)
\u2014
\u2014
(80)
Diferencias de cambio y otros
80
29
(38)
(63)
(45)
(91)
17
(16)
(129)
Deterioro
(25)
(15)
(6)
\u2014
\u2014
\u2014
(25)
(15)
(6)
Bajas por sociedades en proceso
de venta (1)
\u2014
\u2014
(279)
\u2014
\u2014
(34)
\u2014
\u2014
(313)
Saldo final
1.396
1.239
1.202
56
140
233
1.453
1.379
1.435
(1) Calculada aplicando la diferencia entre el tipo impositivo vigente en Espa\u00f1a y el aplicado al resultado del Grupo en cada jurisdicci\u00f3n.
(2) Por lo que se refiere al ejercicio 2020 este importe corresponde principalmente al impacto del deterioro del fondo de comercio de la UGE de Estados Unidos que ascendi\u00f3 a
2.084 millones de euros. Dicho impacto no tuvo asociado ning\u00fan abono en el gasto por Impuesto sobre Sociedades (una vez aplicado el tipo impositivo del 30%, el efecto
ascendi\u00f3 a 625 millones de euros).
El tipo fiscal efectivo para el Grupo durante los ejercicios de 2022, 2021 y 2020, se indica a continuaci\u00f3n:
Tipo fiscal efectivo (Millones de euros)
2022
2021
2020
Resultado de:
Grupo fiscal consolidado BBVA en Espa\u00f1a
2.222
655
259
Otras entidades espa\u00f1olas
(462)
5
7
Entidades extranjeras
8.596
6.587
4.982
Ganancias (p\u00e9rdidas) antes de impuestos procedentes de las
actividades continuadas
10.356
7.247
5.248
Gastos o ingresos por impuestos sobre las ganancias actividades
continuadas
3.529
1.909
1.459
Tipo fiscal efectivo
34,1 %
26,3 %
27,8 %
En el ejercicio 2022, en t\u00e9rminos generales, en los principales pa\u00edses en los que el Grupo tiene presencia, no se han producido
cambios de tipo nominal de gravamen en el Impuesto sobre Sociedades, respecto a los existentes en el per\u00edodo anterior, salvo en el
caso de Colombia donde el tipo de gravamen aplicable ha pasado del 34% del a\u00f1o anterior al 38%, y teniendo en cuenta que en
Turqu\u00eda se ha mantenido el tipo de gravamen del 25%. Por otro lado, en el ejercicio 2021, los cambios de tipo nominal de gravamen en
el Impuesto sobre Sociedades, respecto a los existentes en el ejercicio anterior, en los principales pa\u00edses en los que el Grupo tiene
presencia, fueron en Turqu\u00eda (del 22% al 25%), Argentina (del 30% al 35%) y Colombia (del 36% al 34%).
Impuestos repercutidos en el patrimonio neto
Independientemente de los impuestos sobre beneficios registrados en las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas, el
Grupo registr\u00f3 en su patrimonio neto consolidado las siguientes cargas fiscales, por los siguientes conceptos:
Impuesto repercutido en patrimonio neto (Millones de euros)
2022
2021
2020
Cargos/abonos a patrimonio neto
Valores representativos de deuda y otros
701
(174)
(230)
Instrumentos de patrimonio
(56)
(33)
(43)
Total
645
(207)
(273)
Impuestos corrientes y diferidos
Dentro del saldo del ep\u00edgrafe \u201cActivos por impuestos\u201d de los balances consolidados adjuntos se incluyen los saldos deudores frente a
la Hacienda P\u00fablica correspondientes a los activos por impuestos corrientes y diferidos. Dentro del saldo del ep\u00edgrafe \u201cPasivos por
impuestos\u201d se incluyen los saldos acreedores correspondiente a los diferentes impuestos corrientes y diferidos del Grupo. El detalle
de los mencionados activos y pasivos por impuestos se indica a continuaci\u00f3n:
Activos y pasivos por impuestos (Millones de euros)
2022
2021
2020
Activos por impuestos
Activos por impuestos corrientes (1)
1.978
932
1.199
Activos por impuestos diferidos
14.494
14.917
15.327
Pensiones
422
416
439
Instrumentos financieros
1.302
1.408
1.292
Correcciones de valor
1.834
1.676
1.683
Otros
1.184
1.101
1.069
Activos por impuestos garantizados
8.689
9.304
9.361
P\u00e9rdidas tributarias
1.063
1.012
1.483
Total
16.472
15.850
16.526
Pasivos por impuestos
Pasivos por impuestos corrientes (1)
1.415
644
545
Pasivos por impuestos diferidos
1.326
1.769
1.809
Instrumentos financieros
568
1.124
908
Otros
758
645
901
Total
2.742
2.413
2.355
A 31 de diciembre de 2022, la cifra total de activos por impuestos diferidos netos no garantizados asciende a 4.478 millones de euros
(3.844 y 4.156 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente), cuyo desglose por las principales \u00e1reas
geogr\u00e1ficas es el siguiente:
\u2013Espa\u00f1a: Los activos por impuestos diferidos netos reconocidos en Espa\u00f1a ascienden a 2.407 millones de euros a 31 de
diciembre de 2022 (2.342 y 2.590 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente). De la cifra
registrada al cierre del ejercicio de 2022 de activos por impuestos diferidos netos, 1.050 millones de euros corresponden a
cr\u00e9ditos fiscales por bases imponibles negativas y deducciones y 1.357 millones de euros han surgido como diferencias
temporarias.
\u2013M\u00e9xico: Los activos por impuestos diferidos netos reconocidos en M\u00e9xico ascienden a 1.628 millones de euros a 31 de
diciembre de 2022 (1.121 y 1.036 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente). Pr\u00e1cticamente la
totalidad de los activos por impuestos diferidos registrados a 31 de diciembre de 2022 han surgido como diferencias
temporarias.
\u2013Am\u00e9rica del Sur: Los activos por impuestos diferidos netos reconocidos en Am\u00e9rica del Sur ascienden a 198 millones de
euros a 31 de diciembre de 2022 (65 y 126 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente).
Pr\u00e1cticamente la totalidad de los activos por impuestos diferidos han surgido como diferencias temporarias.
\u2013Turqu\u00eda: Los activos por impuestos diferidos netos reconocidos en Turqu\u00eda ascienden a 228 millones de euros a 31 de
diciembre de 2022 (302 y 395 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente). La totalidad de los
activos por impuestos diferidos han surgido como diferencias temporarias.
En base a la informaci\u00f3n disponible a 31 de diciembre de 2022, que incluye los niveles hist\u00f3ricos de beneficios y las proyecciones de
resultados de las que dispone el Grupo para los pr\u00f3ximos 15 a\u00f1os, se ha revisado el plan de recuperabilidad de activos y pasivos por
impuestos diferidos y se considera que existen claras evidencias positivas, superiores a las negativas, de que se generar\u00e1n bases
imponibles positivas suficientes para recuperar los citados activos por impuestos diferidos no garantizados cuando resulten
deducibles en funci\u00f3n de la legislaci\u00f3n fiscal.
Por otro lado, el Grupo no ha reconocido contablemente determinadas bases imponibles negativas y deducciones para las que, con
car\u00e1cter general, no existe plazo legal de compensaci\u00f3n, por un importe aproximado de 2.048 millones de euros (en t\u00e9rminos de
cuota), que tienen como origen principalmente la integraci\u00f3n de Catalunya Banc.
Otras contribuciones
Con fecha 28 de diciembre de 2022 se ha publicado en el Bolet\u00edn Oficial de Estado la Ley para el establecimiento del gravamen
temporal de entidades de cr\u00e9dito y establecimientos financieros de cr\u00e9dito.
Esta ley establece la obligatoriedad de satisfacer una prestaci\u00f3n patrimonial de car\u00e1cter p\u00fablico y naturaleza no tributaria durante los
a\u00f1os 2023 y 2024 para las entidades de cr\u00e9dito que operen en territorio espa\u00f1ol cuya suma de ingresos por intereses y comisiones
correspondiente al a\u00f1o 2019 sea igual o superior a 800 millones de euros.
El importe de la prestaci\u00f3n a satisfacer ser\u00e1 el resultado de aplicar el porcentaje del 4,8 por ciento a la suma del margen de intereses
y de los ingresos y gastos por comisiones derivados de la actividad desarrollada en Espa\u00f1a y que figuren en la cuenta de p\u00e9rdidas y
ganancias del grupo de consolidaci\u00f3n fiscal al que pertenece la entidad de cr\u00e9dito correspondiente al a\u00f1o natural anterior al de
nacimiento de la obligaci\u00f3n de pago. La obligaci\u00f3n de pago nace el primer d\u00eda del a\u00f1o natural de los ejercicios 2023 y 2024.
El impacto estimado correspondiente al ejercicio 2023 es de 225 millones de euros y ha sido contabilizado el 1 de enero de 2023 en la
partida de \"Otros gastos de explotaci\u00f3n\" de la cuenta de p\u00e9rdidas y ganancias", "dimensions": { "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zNzkvZnJhZzoyY2YyMDI2Njc3MGM0ZjE1YWZhNWU4NGM1NGQ2MWU4ZC90ZXh0cmVnaW9uOjJjZjIwMjY2NzcwYzRmMTVhZmE1ZTg0YzU0ZDYxZThkXzQyMzMxMTk3NjcxODI1_2f2af788-4d23-4603-9f4b-52f26b810cb8": { "value": "Conciliaci\u00f3n
A continuaci\u00f3n se presenta la conciliaci\u00f3n entre el gasto por el Impuesto sobre Sociedades del Grupo resultante de la aplicaci\u00f3n del
tipo impositivo general y el gasto registrado por el citado impuesto en las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas:
Conciliaci\u00f3n de la tributaci\u00f3n al tipo del Impuesto sobre Sociedades espa\u00f1ol con el gasto fiscal registrado en el per\u00edodo
(Millones de euros)
2022
2021
2020
Importe
Tasa
efectiva
%
Importe
Tasa
efectiva
%
Importe
Tasa
efectiva
%
Ganancias o p\u00e9rdidas antes de impuestos
10.356
8.399
3.576
Procedente de operaciones continuadas
10.356
7.247
5.248
Procedente de operaciones interrumpidas
\u2014
1.152
(1.672)
Impuesto de sociedades con el tipo impositivo del
impuesto de sociedades en Espa\u00f1a 30%
3.107
2.519
1.073
Variaci\u00f3n por menor/mayor tasa efectiva de impuestos
de entidades extranjeras (1)
315
(332)
(181)
M\u00e9xico
(205)
26 %
(109)
27 %
(32)
29 %
Chile
(8)
13 %
(5)
22 %
(2)
23 %
Colombia
24
37 %
\u2014
30 %
3
31 %
Per\u00fa
(16)
27 %
5
31 %
(7)
28 %
Turqu\u00eda
621
70 %
(125)
23 %
(73)
25 %
Estados Unidos
17
17 %
(62)
19 %
(75)
16 %
Otros
(118)
(36)
5
Ingresos con menor tasa fiscal (dividendos/plusval\u00edas)
(25)
(30)
(49)
Ingresos por puesta en equivalencia
(6)
\u2014
12
Efectos por venta USA
\u2014
544
\u2014
Otros efectos (2)
138
80
661
Impuesto sobre beneficios
3.529
2.781
1.516
Del que: Operaciones continuadas
3.529
1.909
1.459
Del que: Operaciones interrumpidas
\u2014
872
57
(1) Calculada aplicando la diferencia entre el tipo impositivo vigente en Espa\u00f1a y el aplicado al resultado del Grupo en cada jurisdicci\u00f3n.
(2) Por lo que se refiere al ejercicio 2020 este importe corresponde principalmente al impacto del deterioro del fondo de comercio de la UGE de Estados Unidos que ascendi\u00f3 a
2.084 millones de euros. Dicho impacto no tuvo asociado ning\u00fan abono en el gasto por Impuesto sobre Sociedades (una vez aplicado el tipo impositivo del 30%, el efecto
ascendi\u00f3 a 625 millones de euros).
El tipo fiscal efectivo para el Grupo durante los ejercicios de 2022, 2021 y 2020, se indica a continuaci\u00f3n:
Tipo fiscal efectivo (Millones de euros)
2022
2021
2020
Resultado de:
Grupo fiscal consolidado BBVA en Espa\u00f1a
2.222
655
259
Otras entidades espa\u00f1olas
(462)
5
7
Entidades extranjeras
8.596
6.587
4.982
Ganancias (p\u00e9rdidas) antes de impuestos procedentes de las
actividades continuadas
10.356
7.247
5.248
Gastos o ingresos por impuestos sobre las ganancias actividades
continuadas
3.529
1.909
1.459
Tipo fiscal efectivo
34,1 %
26,3 %
27,8 %
En el ejercicio 2022, en t\u00e9rminos generales, en los principales pa\u00edses en los que el Grupo tiene presencia, no se han producido
cambios de tipo nominal de gravamen en el Impuesto sobre Sociedades, respecto a los existentes en el per\u00edodo anterior, salvo en el
caso de Colombia donde el tipo de gravamen aplicable ha pasado del 34% del a\u00f1o anterior al 38%, y teniendo en cuenta que en
Turqu\u00eda se ha mantenido el tipo de gravamen del 25%. Por otro lado, en el ejercicio 2021, los cambios de tipo nominal de gravamen en
el Impuesto sobre Sociedades, respecto a los existentes en el ejercicio anterior, en los principales pa\u00edses en los que el Grupo tiene
presencia, fueron en Turqu\u00eda (del 22% al 25%), Argentina (del 30% al 35%) y Colombia (del 36% al 34%).
", "dimensions": { "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zODUvZnJhZzpjZTc5YjFjMmIxODU0YTZjODBkNjMzYmQxOGU0NjI5MC90ZXh0cmVnaW9uOmNlNzliMWMyYjE4NTRhNmM4MGQ2MzNiZDE4ZTQ2MjkwXzQyMzMxMTk3Njc1NjQy_41c0ecf0-bbdf-4df3-b170-61ee5f3aa8e3": { "value": "Impuestos corrientes y diferidos
Dentro del saldo del ep\u00edgrafe \u201cActivos por impuestos\u201d de los balances consolidados adjuntos se incluyen los saldos deudores frente a
la Hacienda P\u00fablica correspondientes a los activos por impuestos corrientes y diferidos. Dentro del saldo del ep\u00edgrafe \u201cPasivos por
impuestos\u201d se incluyen los saldos acreedores correspondiente a los diferentes impuestos corrientes y diferidos del Grupo. El detalle
de los mencionados activos y pasivos por impuestos se indica a continuaci\u00f3n:
Activos y pasivos por impuestos (Millones de euros)
2022
2021
2020
Activos por impuestos
Activos por impuestos corrientes (1)
1.978
932
1.199
Activos por impuestos diferidos
14.494
14.917
15.327
Pensiones
422
416
439
Instrumentos financieros
1.302
1.408
1.292
Correcciones de valor
1.834
1.676
1.683
Otros
1.184
1.101
1.069
Activos por impuestos garantizados
8.689
9.304
9.361
P\u00e9rdidas tributarias
1.063
1.012
1.483
Total
16.472
15.850
16.526
Pasivos por impuestos
Pasivos por impuestos corrientes (1)
1.415
644
545
Pasivos por impuestos diferidos
1.326
1.769
1.809
Instrumentos financieros
568
1.124
908
Otros
758
645
901
Total
2.742
2.413
2.355
A 31 de diciembre de 2022, la cifra total de activos por impuestos diferidos netos no garantizados asciende a 4.478 millones de euros
(3.844 y 4.156 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente), cuyo desglose por las principales \u00e1reas
geogr\u00e1ficas es el siguiente:
\u2013Espa\u00f1a: Los activos por impuestos diferidos netos reconocidos en Espa\u00f1a ascienden a 2.407 millones de euros a 31 de
diciembre de 2022 (2.342 y 2.590 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente). De la cifra
registrada al cierre del ejercicio de 2022 de activos por impuestos diferidos netos, 1.050 millones de euros corresponden a
cr\u00e9ditos fiscales por bases imponibles negativas y deducciones y 1.357 millones de euros han surgido como diferencias
temporarias.
\u2013M\u00e9xico: Los activos por impuestos diferidos netos reconocidos en M\u00e9xico ascienden a 1.628 millones de euros a 31 de
diciembre de 2022 (1.121 y 1.036 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente). Pr\u00e1cticamente la
totalidad de los activos por impuestos diferidos registrados a 31 de diciembre de 2022 han surgido como diferencias
temporarias.
\u2013Am\u00e9rica del Sur: Los activos por impuestos diferidos netos reconocidos en Am\u00e9rica del Sur ascienden a 198 millones de
euros a 31 de diciembre de 2022 (65 y 126 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente).
Pr\u00e1cticamente la totalidad de los activos por impuestos diferidos han surgido como diferencias temporarias.
\u2013Turqu\u00eda: Los activos por impuestos diferidos netos reconocidos en Turqu\u00eda ascienden a 228 millones de euros a 31 de
diciembre de 2022 (302 y 395 millones de euros a 31 de diciembre de 2021 y 2020, respectivamente). La totalidad de los
activos por impuestos diferidos han surgido como diferencias temporarias.
En base a la informaci\u00f3n disponible a 31 de diciembre de 2022, que incluye los niveles hist\u00f3ricos de beneficios y las proyecciones de
resultados de las que dispone el Grupo para los pr\u00f3ximos 15 a\u00f1os, se ha revisado el plan de recuperabilidad de activos y pasivos por
impuestos diferidos y se considera que existen claras evidencias positivas, superiores a las negativas, de que se generar\u00e1n bases
imponibles positivas suficientes para recuperar los citados activos por impuestos diferidos no garantizados cuando resulten
deducibles en funci\u00f3n de la legislaci\u00f3n fiscal.
Por otro lado, el Grupo no ha reconocido contablemente determinadas bases imponibles negativas y deducciones para las que, con
car\u00e1cter general, no existe plazo legal de compensaci\u00f3n, por un importe aproximado de 2.048 millones de euros (en t\u00e9rminos de
cuota), que tienen como origen principalmente la integraci\u00f3n de Catalunya Banc.
", "dimensions": { "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zODgvZnJhZzpiYjg1ZDA4YTljMTU0ODVkYjFjNTRkNWFkOTJkYzZhOC90ZXh0cmVnaW9uOmJiODVkMDhhOWMxNTQ4NWRiMWM1NGQ1YWQ5MmRjNmE4XzQyMzMxMTk3NjcxMDE0_16c8b8e6-585d-4165-9297-f7b3666d19dc": { "value": "Otros activos y pasivos
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es:
Otros activos y pasivos (Millones de euros)
2022
2021
2020
ACTIVOS
Existencias
325
424
572
Operaciones en camino
93
131
160
Periodificaciones
1.490
730
756
Resto de otros conceptos
706
649
1.025
Total
2.614
1.934
2.513
PASIVOS
Operaciones en camino
44
48
75
Periodificaciones
2.566
2.137
1.584
Resto de otros conceptos (1)
2.269
1.436
1.144
Total
4.880
3.621
2.802
(1) Los incrementos de saldos se deben fundamentalmente a partidas pendientes de liquidar con Banco en Espa\u00f1a.
", "dimensions": { "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zODgvZnJhZzpiYjg1ZDA4YTljMTU0ODVkYjFjNTRkNWFkOTJkYzZhOC90ZXh0cmVnaW9uOmJiODVkMDhhOWMxNTQ4NWRiMWM1NGQ1YWQ5MmRjNmE4XzQyMzMxMTk3NjcxMDE0_2a8efc9d-812a-477b-b219-7b8d31f79802": { "value": "Otros activos y pasivos
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es:
Otros activos y pasivos (Millones de euros)
2022
2021
2020
ACTIVOS
Existencias
325
424
572
Operaciones en camino
93
131
160
Periodificaciones
1.490
730
756
Resto de otros conceptos
706
649
1.025
Total
2.614
1.934
2.513
PASIVOS
Operaciones en camino
44
48
75
Periodificaciones
2.566
2.137
1.584
Resto de otros conceptos (1)
2.269
1.436
1.144
Total
4.880
3.621
2.802
(1) Los incrementos de saldos se deben fundamentalmente a partidas pendientes de liquidar con Banco en Espa\u00f1a.
", "dimensions": { "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zODgvZnJhZzpiYjg1ZDA4YTljMTU0ODVkYjFjNTRkNWFkOTJkYzZhOC90ZXh0cmVnaW9uOmJiODVkMDhhOWMxNTQ4NWRiMWM1NGQ1YWQ5MmRjNmE4XzQyMzMxMTk3NjcxMDE0_71a25261-92e3-41c8-98ae-fd575d58e4a4": { "value": "Otros activos y pasivos
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es:
Otros activos y pasivos (Millones de euros)
2022
2021
2020
ACTIVOS
Existencias
325
424
572
Operaciones en camino
93
131
160
Periodificaciones
1.490
730
756
Resto de otros conceptos
706
649
1.025
Total
2.614
1.934
2.513
PASIVOS
Operaciones en camino
44
48
75
Periodificaciones
2.566
2.137
1.584
Resto de otros conceptos (1)
2.269
1.436
1.144
Total
4.880
3.621
2.802
(1) Los incrementos de saldos se deben fundamentalmente a partidas pendientes de liquidar con Banco en Espa\u00f1a.
", "dimensions": { "concept": "ifrs-full:DisclosureOfInventoriesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zODgvZnJhZzpiYjg1ZDA4YTljMTU0ODVkYjFjNTRkNWFkOTJkYzZhOC90ZXh0cmVnaW9uOmJiODVkMDhhOWMxNTQ4NWRiMWM1NGQ1YWQ5MmRjNmE4XzQyMzMxMTk3NjcxMDE0_a94d0a5d-fc7e-420d-b78c-f57ecb9f3a3a": { "value": "Otros activos y pasivos
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es:
Otros activos y pasivos (Millones de euros)
2022
2021
2020
ACTIVOS
Existencias
325
424
572
Operaciones en camino
93
131
160
Periodificaciones
1.490
730
756
Resto de otros conceptos
706
649
1.025
Total
2.614
1.934
2.513
PASIVOS
Operaciones en camino
44
48
75
Periodificaciones
2.566
2.137
1.584
Resto de otros conceptos (1)
2.269
1.436
1.144
Total
4.880
3.621
2.802
(1) Los incrementos de saldos se deben fundamentalmente a partidas pendientes de liquidar con Banco en Espa\u00f1a.
", "dimensions": { "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zODgvZnJhZzpiYjg1ZDA4YTljMTU0ODVkYjFjNTRkNWFkOTJkYzZhOC90ZXh0cmVnaW9uOmJiODVkMDhhOWMxNTQ4NWRiMWM1NGQ1YWQ5MmRjNmE4XzQyMzMxMTk3NjcxMDE0_b5a95d51-1072-4cd5-a7d2-b026c1e54c94": { "value": "Otros activos y pasivos
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es:
Otros activos y pasivos (Millones de euros)
2022
2021
2020
ACTIVOS
Existencias
325
424
572
Operaciones en camino
93
131
160
Periodificaciones
1.490
730
756
Resto de otros conceptos
706
649
1.025
Total
2.614
1.934
2.513
PASIVOS
Operaciones en camino
44
48
75
Periodificaciones
2.566
2.137
1.584
Resto de otros conceptos (1)
2.269
1.436
1.144
Total
4.880
3.621
2.802
(1) Los incrementos de saldos se deben fundamentalmente a partidas pendientes de liquidar con Banco en Espa\u00f1a.
", "dimensions": { "concept": "ifrs-full:DisclosureOfTradeAndOtherReceivablesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zODgvZnJhZzpiYjg1ZDA4YTljMTU0ODVkYjFjNTRkNWFkOTJkYzZhOC90ZXh0cmVnaW9uOmJiODVkMDhhOWMxNTQ4NWRiMWM1NGQ1YWQ5MmRjNmE4XzQyMzMxMTk3NjcxMDE0_e7044363-964e-45b1-a952-58e300ce9fa9": { "value": "Otros activos y pasivos
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es:
Otros activos y pasivos (Millones de euros)
2022
2021
2020
ACTIVOS
Existencias
325
424
572
Operaciones en camino
93
131
160
Periodificaciones
1.490
730
756
Resto de otros conceptos
706
649
1.025
Total
2.614
1.934
2.513
PASIVOS
Operaciones en camino
44
48
75
Periodificaciones
2.566
2.137
1.584
Resto de otros conceptos (1)
2.269
1.436
1.144
Total
4.880
3.621
2.802
(1) Los incrementos de saldos se deben fundamentalmente a partidas pendientes de liquidar con Banco en Espa\u00f1a.
", "dimensions": { "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zOTEvZnJhZzo1NTQzOWRlNzkyZTk0NmFlYTJkZGRjYWE1ZWY4MzMzOS90ZXh0cmVnaW9uOjU1NDM5ZGU3OTJlOTQ2YWVhMmRkZGNhYTVlZjgzMzM5XzQyMzMxMTk3NjgxMzQ0_8fe92a07-be0b-40d9-bb10-a419a480b4b6": { "value": "Activos y pasivos no corrientes y grupos enajenables de elementos que se han
clasificado como mantenidos para la venta
El desglose de los saldos de los cap\u00edtulos \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta\u201d y \u201cPasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la
venta\u201d de los balances consolidados adjuntos, en funci\u00f3n de la procedencia de los mismos, se muestra a continuaci\u00f3n:
Activos y pasivos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta.
Desglose por conceptos (Millones de euros)
2022
2021
2020
ACTIVOS
Adjudicaciones o recuperaciones por impagos
1.070
1.218
1.398
Activos procedentes del inmovilizado material (1)
1.063
563
480
Sociedades en proceso de venta (2)
40
41
84.792
Amortizaci\u00f3n acumulada (3)
(93)
(112)
(89)
Deterioro del valor (1)
(1.057)
(650)
(594)
Total\u00a0
1.022
1.061
85.987
PASIVOS
Sociedades en proceso de venta (2)
\u2014
\u2014
75.446
Total\u00a0
\u2014
\u2014
75.446
(1) La variaci\u00f3n en 2022 se debe principalmente a la reclasificaci\u00f3n de oficinas antes en uso propio y ahora desafectas de uso tras al cierre de la transacci\u00f3n con Merlin Properties
(ver Nota 17). En 2021 incluye la reclasificaci\u00f3n de oficinas en propiedad e instalaciones desde \"Activos tangibles\" a \"Activos no corrientes y grupos enajenables de elementos que
se han clasificado como mantenidos para la venta\" y las correcciones de valor por el cierre de las oficinas en propiedad y la baja de instalaciones tras el acuerdo con la
representaci\u00f3n legal de los trabajadores sobre el procedimiento de despido colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a (ver Notas 24 y 50).
(2) El saldo del ejercicio 2020 corresponde principalmente a la participaci\u00f3n en BBVA USA (ver Nota 3).
(3) Corresponde a la amortizaci\u00f3n acumulada de los activos antes de su clasificaci\u00f3n como \"Activos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta\".
Activos y pasivos asociados a operaciones interrumpidas
Tal y como se menciona en la Nota 3, durante el ejercicio 2020 se anunci\u00f3 el acuerdo para la venta de la filial de BBVA en Estados
Unidos que se complet\u00f3 el 1 de junio de 2021. Los saldos de los activos y pasivos correspondientes a las 37 sociedades vendidas
fueron reclasificados a los ep\u00edgrafes \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta\u201d y \u201cPasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la
venta\u201d del balance consolidado a 31 de diciembre de 2020 y los resultados de estas sociedades correspondientes a los primeros
cinco meses del ejercicio 2021 y el ejercicio 2020, fueron registrados en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas) despu\u00e9s de impuestos
procedentes de actividades interrumpidas\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas de dichos ejercicios.
A continuaci\u00f3n, se incluyen los balances resumidos consolidados para los ejercicios 2021 y 2020, las cuentas de p\u00e9rdidas y ganancias
resumidas consolidadas y los estados de flujos de efectivo resumidos consolidados de las sociedades vendidas de Estados Unidos
para los cinco primeros meses del ejercicio 2021 y el ejercicio 2020:
Balances resumidos consolidados de sociedades vendidas de Estados Unidos
BALANCES RESUMIDOS CONSOLIDADOS (Millones de euros)
2021
2020
Efectivo, saldos en efectivo en bancos centrales y otros dep\u00f3sitos a la vista
\u2014
11.368
Activos financieros mantenidos para negociar
\u2014
821
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable
con cambios en resultados
\u2014
13
Activos financieros a valor razonable con cambios en otro resultado global
\u2014
4.974
Activos financieros a coste amortizado
\u2014
61.558
Derivados - contabilidad de coberturas
\u2014
9
Activos tangibles
\u2014
799
Activos intangibles
\u2014
1.949
Activos por impuestos
\u2014
360
Otros activos
\u2014
1.390
Activos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta
\u2014
16
TOTAL ACTIVO
\u2014
83.257
Pasivos financieros mantenidos para negociar
\u2014
98
Pasivos financieros a coste amortizado
\u2014
73.132
Derivados - contabilidad de coberturas
\u2014
2
Provisiones
\u2014
157
Pasivos por impuestos
\u2014
201
Otros pasivos
\u2014
492
TOTAL PASIVO
\u2014
74.082
Ganancias (p\u00e9rdidas) actuariales en planes de pensiones de prestaciones definidas
\u2014
(66)
Cobertura de inversiones netas en negocios en el extranjero (porci\u00f3n efectiva)
\u2014
(432)
Conversi\u00f3n de divisas
\u2014
801
Derivados de cobertura. Coberturas de flujos de efectivo (porci\u00f3n efectiva)
\u2014
250
Cambios del valor razonable de los instrumentos de deuda valorados a valor razonable con
cambios en otro resultado global
\u2014
70
OTRO RESULTADO GLOBAL ACUMULADO
\u2014
622
Cuentas de p\u00e9rdidas y ganancias resumidas consolidadas de sociedades vendidas de Estados Unidos
CUENTAS DE P\u00c9RDIDAS Y GANANCIAS RESUMIDAS CONSOLIDADAS (Millones de euros)
2021 \u207d\u00b9\u207e
2020
Ingresos por intereses y otros ingresos similares
974
2.638
Gastos por intereses
(53)
(429)
MARGEN DE INTERESES
921
2.209
Ingresos por dividendos
2
4
Ingresos por comisiones
285
677
Gastos por comisiones
(86)
(183)
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos y pasivos financieros no valorados a valor
razonable con cambios en resultados, netas
(4)
19
Ganancias (p\u00e9rdidas) por activos y pasivos financieros mantenidos para negociar, netas
26
90
Ganancias (p\u00e9rdidas) por activos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados, netas
2
8
Ganancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con cambios
en resultados, netas
2
5
Ganancias (p\u00e9rdidas) resultantes de la contabilidad de coberturas, netas
(1)
4
Diferencias de cambio, netas
5
19
Otros ingresos de explotaci\u00f3n
9
19
Otros gastos de explotaci\u00f3n
(30)
(63)
MARGEN BRUTO
1.132
2.808
Gastos de administraci\u00f3n
(661)
(1.462)
Amortizaci\u00f3n
(80)
(205)
Provisiones o reversi\u00f3n de provisiones
4
2
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no valorados a valor
razonable con cambios en resultados y p\u00e9rdidas o ganancias netas por modificaci\u00f3n
(66)
(729)
RESULTADO DE LA ACTIVIDAD DE EXPLOTACI\u00d3N
330
413
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos no financieros
\u2014
(2.084)
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos no financieros y participaciones, netas
(2)
(3)
Ganancias (p\u00e9rdidas) procedentes de activos no corrientes y grupos enajenables de elementos
clasificados como mantenidos para la venta no admisibles como actividades interrumpidas
3
2
GANANCIAS (P\u00c9RDIDAS) ANTES DE IMPUESTOS
330
(1.671)
Gastos o ingresos por impuestos sobre las ganancias
(80)
(57)
GANANCIAS (P\u00c9RDIDAS) DESPU\u00c9S DE IMPUESTOS
250
(1.729)
Ganancias (p\u00e9rdidas) despu\u00e9s de impuestos procedentes de la venta
29
\u2014
RESULTADO DEL PERIODO
280
(1.729)
ATRIBUIBLE A INTERESES MINORITARIOS (PARTICIPACIONES NO DOMINANTES)
\u2014
\u2014
ATRIBUIBLE A LOS PROPIETARIOS DE LA DOMINANTE (2)
280
(1.729)
(1) Saldos correspondientes a los cinco primeros meses del ejercicio 2021 (ver Nota 3).
(2) El beneficio acumulado neto de impuestos devengados y reconocidos por el Grupo BBVA en relaci\u00f3n con la venta de BBVA USA Bancshares fue de 582 millones de euros,
correspondiente a los resultados generados por el per\u00edmetro societario de la venta, desde la fecha del acuerdo hasta el cierre de la operaci\u00f3n, m\u00e1s las ganancias despu\u00e9s de
impuestos procedentes de la venta al cierre del per\u00edodo.
Estados de flujos de efectivo resumidos consolidados de sociedades vendidas de Estados Unidos
ESTADOS DE FLUJOS DE EFECTIVO RESUMIDOS CONSOLIDADO (Millones de euros)
2021 \u207d\u00b9\u207e
2020
A) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE EXPLOTACI\u00d3N
62
6.874
B) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE INVERSI\u00d3N
(34)
(145)
C) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE FINANCIACI\u00d3N
(26)
(65)
D) EFECTO DE LAS VARIACIONES DE LOS TIPOS DE CAMBIO
60
(974)
AUMENTO (DISMINUCI\u00d3N) NETO DEL EFECTIVO Y EQUIVALENTES (A+B+C+D)
62
5.690
(1) Saldos correspondientes a los cinco primeros meses del ejercicio 2021 (ver Nota 3).
Efecto de la baja en la posici\u00f3n financiera del Grupo
EFECTOS DE LA BAJA EN LA POSICI\u00d3N FINANCIERA DEL GRUPO (Millones de euros)
Junio
2021
Efectivo, saldos en bancos centrales y otros dep\u00f3sitos a la vista
(11.476)
Activos financieros mantenidos para negociar
(638)
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable con cambios en
resultados
(15)
Activos financieros a valor razonables con cambios en resultado global
(4.620)
Activos financieros a coste amortizado
(61.440)
Derivados \u2013 contabilidad de coberturas
(8)
Activos tangibles
(788)
Activos intangibles
(1.938)
Activos por impuestos
(349)
Otros activos
(1.439)
Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta
(10)
Total activos
(82.720)
Pasivos financieros mantenidos para negociar
129
Pasivos financieros a coste amortizado
72.357
Provisiones
156
Pasivos por impuestos
207
Otros pasivos
491
Total pasivos
73.341
Total activos/pasivos netos
(9.378)
EFECTOS EN SALIDAS DE FLUJOS DE OPERACIONES INTERRUMPIDAS - EE.UU. (Millones de euros)
Junio
2021
Contraprestaci\u00f3n total recibida en efectivo
9.512
Efectivo y equivalentes al efectivo enajenados
(11.476)
Total salidas de flujos netas de operaciones interrumpidas - EE.UU.
(1.964)
EFECTO DE LAS VENTAS M\u00c1S SIGNIFICATIVAS DE LOS ACTIVOS NO CORRIENTES EN VENTA DEL GRUPO BBVA
REFLEJADOS EN EL ESTADO DE FLUJOS DE EFECTIVO CONSOLIDADO (Millones de euros)
Diciembre
2021
Contraprestaci\u00f3n total recibida en efectivo - EE.UU.
9.512
Contraprestaci\u00f3n total recibida en efectivo - Divarian
513
Contraprestaci\u00f3n total recibida en efectivo - Paraguay
210
Resto de cobros de activos y pasivos no corrientes en venta
435
Total cobros de activos y pasivos no corrientes en venta
10.670
Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la
venta
Los movimientos de los saldos de este cap\u00edtulo en los ejercicios 2022, 2021 y 2020, fueron los siguientes:
Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta (Millones de euros)
Notas
Activos adjudicados
Activos procedentes de
inmovilizado material (1)
Sociedades en proceso de
venta (2)
Total
Coste (a)
2022
2021
2020
2022
2021
2020
2022
2021
2020
2022
2021
2020
Saldo inicial
1.218
1.398
1.648
452
391
258
41
84.792
1.716
1.711
86.581
3.622
Adiciones
211
245
285
1
\u2014
\u2014
2
522
83.266
214
768
83.551
Aportaciones por incorporaci\u00f3n de sociedades
al Grupo
\u2014
\u2014
\u2014
592
\u2014
\u2014
\u2014
\u2014
\u2014
592
\u2014
\u2014
Retiros (ventas y otras bajas)
(353)
(298)
(288)
(110)
(39)
(45)
(2)
(83.172)
(190)
(465)
(83.509)
(523)
Traspasos, otros movimientos y diferencias de
cambio (2)
(6)
(127)
(228)
35
100
180
(2)
(2.100)
\u2014
27
(2.128)
(48)
Baja por sociedades en proceso de venta
\u2014
\u2014
(19)
\u2014
\u2014
(2)
\u2014
\u2014
\u2014
(21)
Saldo final
1.070
1.218
1.398
970
452
391
39
41
84.792
2.078
1.711
86.581
Deterioro (b)
Saldo inicial
381
386
411
269
208
132
\u2014
\u2014
\u2014
650
594
543
Adiciones
50
64
36
74
158
62
29
\u2014
\u2014
\u2014
221
97
103
Adiciones traspasadas a operaciones
interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Aportaciones por incorporaci\u00f3n de sociedades
al Grupo
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros (ventas y otras bajas)
(102)
(65)
(56)
(46)
(13)
(13)
\u2014
\u2014
\u2014
(148)
(78)
(69)
Traspasos, otros movimientos y diferencias de
cambio
13
24
(42)
320
12
60
\u2014
\u2014
\u2014
333
36
18
Baja por sociedades en proceso de venta
\u2014
\u2014
(1)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(1)
Saldo final
356
381
386
701
269
208
\u2014
\u2014
\u2014
1.057
650
594
Saldo final neto (a)-(b)
714
837
1.012
269
183
183
39
41
84.792
1.022
1.061
85.987
(1) Netos de amortizaciones acumuladas hasta su clasificaci\u00f3n como \"Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la
venta\".
(2) En 2020, la variaci\u00f3n corresponde principalmente al acuerdo de venta de BBVA USA (ver Nota 3).
Como se indica en la Nota 2.2.4, \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos
para la venta\u201d y \u201cPasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la venta\u201d se
valoran al menor importe entre su valor razonable menos los costes de venta y su valor en libros. A 31 de diciembre de 2022, 2021 y
2020, la pr\u00e1ctica totalidad del valor en libros de los activos registrados a valor razonable de forma no recurrente coincide con su valor
razonable.
Procedentes de adjudicaciones o recuperaciones
A 31 de diciembre de 2022, 2021 y 2020, los inmuebles procedentes de adjudicaciones y recuperaciones, netos de las p\u00e9rdidas por
deterioro, seg\u00fan la naturaleza del activo, ascend\u00edan a 478, 608 y 747 millones de euros en los activos de uso residencial; a 199, 202 y
215 millones de euros en los activos de uso terciario (industrial, comercial u oficinas) y a 34, 19 y 21 millones de euros en los activos de
uso agr\u00edcola, respectivamente.
A 31 de diciembre de 2022, 2021 y 2020, el plazo medio de venta de los activos procedentes de adjudicaciones o recuperaciones era
de entre 2 y 3 a\u00f1os.
Durante los ejercicios 2022, 2021 y 2020 algunas de las operaciones de venta de estos activos se financiaron por sociedades del
Grupo. El importe de los pr\u00e9stamos concedidos a los compradores de estos activos en esos ejercicios ascendi\u00f3 a 43, 62 y 78 millones
de euros, respectivamente; con un porcentaje medio financiado en el ejercicio 2022 del 37% del precio de venta.
Durante los ejercicios 2022, 2021 y 2020, el importe de los beneficios con origen en la venta de activos financiados por sociedades
del Grupo que no est\u00e1n reconocidas en las cuentas de p\u00e9rdidas y ganancias consolidadas no es significativo.
", "dimensions": { "concept": "ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zOTEvZnJhZzo1NTQzOWRlNzkyZTk0NmFlYTJkZGRjYWE1ZWY4MzMzOS90ZXh0cmVnaW9uOjU1NDM5ZGU3OTJlOTQ2YWVhMmRkZGNhYTVlZjgzMzM5XzQyMzMxMTk3NjgxMzQ0_99a6b0fc-1852-49d2-a157-6fb9d35f78b5": { "value": "Activos y pasivos no corrientes y grupos enajenables de elementos que se han
clasificado como mantenidos para la venta
El desglose de los saldos de los cap\u00edtulos \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta\u201d y \u201cPasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la
venta\u201d de los balances consolidados adjuntos, en funci\u00f3n de la procedencia de los mismos, se muestra a continuaci\u00f3n:
Activos y pasivos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta.
Desglose por conceptos (Millones de euros)
2022
2021
2020
ACTIVOS
Adjudicaciones o recuperaciones por impagos
1.070
1.218
1.398
Activos procedentes del inmovilizado material (1)
1.063
563
480
Sociedades en proceso de venta (2)
40
41
84.792
Amortizaci\u00f3n acumulada (3)
(93)
(112)
(89)
Deterioro del valor (1)
(1.057)
(650)
(594)
Total\u00a0
1.022
1.061
85.987
PASIVOS
Sociedades en proceso de venta (2)
\u2014
\u2014
75.446
Total\u00a0
\u2014
\u2014
75.446
(1) La variaci\u00f3n en 2022 se debe principalmente a la reclasificaci\u00f3n de oficinas antes en uso propio y ahora desafectas de uso tras al cierre de la transacci\u00f3n con Merlin Properties
(ver Nota 17). En 2021 incluye la reclasificaci\u00f3n de oficinas en propiedad e instalaciones desde \"Activos tangibles\" a \"Activos no corrientes y grupos enajenables de elementos que
se han clasificado como mantenidos para la venta\" y las correcciones de valor por el cierre de las oficinas en propiedad y la baja de instalaciones tras el acuerdo con la
representaci\u00f3n legal de los trabajadores sobre el procedimiento de despido colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a (ver Notas 24 y 50).
(2) El saldo del ejercicio 2020 corresponde principalmente a la participaci\u00f3n en BBVA USA (ver Nota 3).
(3) Corresponde a la amortizaci\u00f3n acumulada de los activos antes de su clasificaci\u00f3n como \"Activos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta\".
Activos y pasivos asociados a operaciones interrumpidas
Tal y como se menciona en la Nota 3, durante el ejercicio 2020 se anunci\u00f3 el acuerdo para la venta de la filial de BBVA en Estados
Unidos que se complet\u00f3 el 1 de junio de 2021. Los saldos de los activos y pasivos correspondientes a las 37 sociedades vendidas
fueron reclasificados a los ep\u00edgrafes \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta\u201d y \u201cPasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la
venta\u201d del balance consolidado a 31 de diciembre de 2020 y los resultados de estas sociedades correspondientes a los primeros
cinco meses del ejercicio 2021 y el ejercicio 2020, fueron registrados en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas) despu\u00e9s de impuestos
procedentes de actividades interrumpidas\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas de dichos ejercicios.
A continuaci\u00f3n, se incluyen los balances resumidos consolidados para los ejercicios 2021 y 2020, las cuentas de p\u00e9rdidas y ganancias
resumidas consolidadas y los estados de flujos de efectivo resumidos consolidados de las sociedades vendidas de Estados Unidos
para los cinco primeros meses del ejercicio 2021 y el ejercicio 2020:
Balances resumidos consolidados de sociedades vendidas de Estados Unidos
BALANCES RESUMIDOS CONSOLIDADOS (Millones de euros)
2021
2020
Efectivo, saldos en efectivo en bancos centrales y otros dep\u00f3sitos a la vista
\u2014
11.368
Activos financieros mantenidos para negociar
\u2014
821
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable
con cambios en resultados
\u2014
13
Activos financieros a valor razonable con cambios en otro resultado global
\u2014
4.974
Activos financieros a coste amortizado
\u2014
61.558
Derivados - contabilidad de coberturas
\u2014
9
Activos tangibles
\u2014
799
Activos intangibles
\u2014
1.949
Activos por impuestos
\u2014
360
Otros activos
\u2014
1.390
Activos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta
\u2014
16
TOTAL ACTIVO
\u2014
83.257
Pasivos financieros mantenidos para negociar
\u2014
98
Pasivos financieros a coste amortizado
\u2014
73.132
Derivados - contabilidad de coberturas
\u2014
2
Provisiones
\u2014
157
Pasivos por impuestos
\u2014
201
Otros pasivos
\u2014
492
TOTAL PASIVO
\u2014
74.082
Ganancias (p\u00e9rdidas) actuariales en planes de pensiones de prestaciones definidas
\u2014
(66)
Cobertura de inversiones netas en negocios en el extranjero (porci\u00f3n efectiva)
\u2014
(432)
Conversi\u00f3n de divisas
\u2014
801
Derivados de cobertura. Coberturas de flujos de efectivo (porci\u00f3n efectiva)
\u2014
250
Cambios del valor razonable de los instrumentos de deuda valorados a valor razonable con
cambios en otro resultado global
\u2014
70
OTRO RESULTADO GLOBAL ACUMULADO
\u2014
622
Cuentas de p\u00e9rdidas y ganancias resumidas consolidadas de sociedades vendidas de Estados Unidos
CUENTAS DE P\u00c9RDIDAS Y GANANCIAS RESUMIDAS CONSOLIDADAS (Millones de euros)
2021 \u207d\u00b9\u207e
2020
Ingresos por intereses y otros ingresos similares
974
2.638
Gastos por intereses
(53)
(429)
MARGEN DE INTERESES
921
2.209
Ingresos por dividendos
2
4
Ingresos por comisiones
285
677
Gastos por comisiones
(86)
(183)
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos y pasivos financieros no valorados a valor
razonable con cambios en resultados, netas
(4)
19
Ganancias (p\u00e9rdidas) por activos y pasivos financieros mantenidos para negociar, netas
26
90
Ganancias (p\u00e9rdidas) por activos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados, netas
2
8
Ganancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con cambios
en resultados, netas
2
5
Ganancias (p\u00e9rdidas) resultantes de la contabilidad de coberturas, netas
(1)
4
Diferencias de cambio, netas
5
19
Otros ingresos de explotaci\u00f3n
9
19
Otros gastos de explotaci\u00f3n
(30)
(63)
MARGEN BRUTO
1.132
2.808
Gastos de administraci\u00f3n
(661)
(1.462)
Amortizaci\u00f3n
(80)
(205)
Provisiones o reversi\u00f3n de provisiones
4
2
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no valorados a valor
razonable con cambios en resultados y p\u00e9rdidas o ganancias netas por modificaci\u00f3n
(66)
(729)
RESULTADO DE LA ACTIVIDAD DE EXPLOTACI\u00d3N
330
413
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos no financieros
\u2014
(2.084)
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos no financieros y participaciones, netas
(2)
(3)
Ganancias (p\u00e9rdidas) procedentes de activos no corrientes y grupos enajenables de elementos
clasificados como mantenidos para la venta no admisibles como actividades interrumpidas
3
2
GANANCIAS (P\u00c9RDIDAS) ANTES DE IMPUESTOS
330
(1.671)
Gastos o ingresos por impuestos sobre las ganancias
(80)
(57)
GANANCIAS (P\u00c9RDIDAS) DESPU\u00c9S DE IMPUESTOS
250
(1.729)
Ganancias (p\u00e9rdidas) despu\u00e9s de impuestos procedentes de la venta
29
\u2014
RESULTADO DEL PERIODO
280
(1.729)
ATRIBUIBLE A INTERESES MINORITARIOS (PARTICIPACIONES NO DOMINANTES)
\u2014
\u2014
ATRIBUIBLE A LOS PROPIETARIOS DE LA DOMINANTE (2)
280
(1.729)
(1) Saldos correspondientes a los cinco primeros meses del ejercicio 2021 (ver Nota 3).
(2) El beneficio acumulado neto de impuestos devengados y reconocidos por el Grupo BBVA en relaci\u00f3n con la venta de BBVA USA Bancshares fue de 582 millones de euros,
correspondiente a los resultados generados por el per\u00edmetro societario de la venta, desde la fecha del acuerdo hasta el cierre de la operaci\u00f3n, m\u00e1s las ganancias despu\u00e9s de
impuestos procedentes de la venta al cierre del per\u00edodo.
Estados de flujos de efectivo resumidos consolidados de sociedades vendidas de Estados Unidos
ESTADOS DE FLUJOS DE EFECTIVO RESUMIDOS CONSOLIDADO (Millones de euros)
2021 \u207d\u00b9\u207e
2020
A) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE EXPLOTACI\u00d3N
62
6.874
B) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE INVERSI\u00d3N
(34)
(145)
C) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE FINANCIACI\u00d3N
(26)
(65)
D) EFECTO DE LAS VARIACIONES DE LOS TIPOS DE CAMBIO
60
(974)
AUMENTO (DISMINUCI\u00d3N) NETO DEL EFECTIVO Y EQUIVALENTES (A+B+C+D)
62
5.690
(1) Saldos correspondientes a los cinco primeros meses del ejercicio 2021 (ver Nota 3).
Efecto de la baja en la posici\u00f3n financiera del Grupo
EFECTOS DE LA BAJA EN LA POSICI\u00d3N FINANCIERA DEL GRUPO (Millones de euros)
Junio
2021
Efectivo, saldos en bancos centrales y otros dep\u00f3sitos a la vista
(11.476)
Activos financieros mantenidos para negociar
(638)
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable con cambios en
resultados
(15)
Activos financieros a valor razonables con cambios en resultado global
(4.620)
Activos financieros a coste amortizado
(61.440)
Derivados \u2013 contabilidad de coberturas
(8)
Activos tangibles
(788)
Activos intangibles
(1.938)
Activos por impuestos
(349)
Otros activos
(1.439)
Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta
(10)
Total activos
(82.720)
Pasivos financieros mantenidos para negociar
129
Pasivos financieros a coste amortizado
72.357
Provisiones
156
Pasivos por impuestos
207
Otros pasivos
491
Total pasivos
73.341
Total activos/pasivos netos
(9.378)
EFECTOS EN SALIDAS DE FLUJOS DE OPERACIONES INTERRUMPIDAS - EE.UU. (Millones de euros)
Junio
2021
Contraprestaci\u00f3n total recibida en efectivo
9.512
Efectivo y equivalentes al efectivo enajenados
(11.476)
Total salidas de flujos netas de operaciones interrumpidas - EE.UU.
(1.964)
EFECTO DE LAS VENTAS M\u00c1S SIGNIFICATIVAS DE LOS ACTIVOS NO CORRIENTES EN VENTA DEL GRUPO BBVA
REFLEJADOS EN EL ESTADO DE FLUJOS DE EFECTIVO CONSOLIDADO (Millones de euros)
Diciembre
2021
Contraprestaci\u00f3n total recibida en efectivo - EE.UU.
9.512
Contraprestaci\u00f3n total recibida en efectivo - Divarian
513
Contraprestaci\u00f3n total recibida en efectivo - Paraguay
210
Resto de cobros de activos y pasivos no corrientes en venta
435
Total cobros de activos y pasivos no corrientes en venta
10.670
Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la
venta
Los movimientos de los saldos de este cap\u00edtulo en los ejercicios 2022, 2021 y 2020, fueron los siguientes:
Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta (Millones de euros)
Notas
Activos adjudicados
Activos procedentes de
inmovilizado material (1)
Sociedades en proceso de
venta (2)
Total
Coste (a)
2022
2021
2020
2022
2021
2020
2022
2021
2020
2022
2021
2020
Saldo inicial
1.218
1.398
1.648
452
391
258
41
84.792
1.716
1.711
86.581
3.622
Adiciones
211
245
285
1
\u2014
\u2014
2
522
83.266
214
768
83.551
Aportaciones por incorporaci\u00f3n de sociedades
al Grupo
\u2014
\u2014
\u2014
592
\u2014
\u2014
\u2014
\u2014
\u2014
592
\u2014
\u2014
Retiros (ventas y otras bajas)
(353)
(298)
(288)
(110)
(39)
(45)
(2)
(83.172)
(190)
(465)
(83.509)
(523)
Traspasos, otros movimientos y diferencias de
cambio (2)
(6)
(127)
(228)
35
100
180
(2)
(2.100)
\u2014
27
(2.128)
(48)
Baja por sociedades en proceso de venta
\u2014
\u2014
(19)
\u2014
\u2014
(2)
\u2014
\u2014
\u2014
(21)
Saldo final
1.070
1.218
1.398
970
452
391
39
41
84.792
2.078
1.711
86.581
Deterioro (b)
Saldo inicial
381
386
411
269
208
132
\u2014
\u2014
\u2014
650
594
543
Adiciones
50
64
36
74
158
62
29
\u2014
\u2014
\u2014
221
97
103
Adiciones traspasadas a operaciones
interrumpidas
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Aportaciones por incorporaci\u00f3n de sociedades
al Grupo
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Retiros (ventas y otras bajas)
(102)
(65)
(56)
(46)
(13)
(13)
\u2014
\u2014
\u2014
(148)
(78)
(69)
Traspasos, otros movimientos y diferencias de
cambio
13
24
(42)
320
12
60
\u2014
\u2014
\u2014
333
36
18
Baja por sociedades en proceso de venta
\u2014
\u2014
(1)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(1)
Saldo final
356
381
386
701
269
208
\u2014
\u2014
\u2014
1.057
650
594
Saldo final neto (a)-(b)
714
837
1.012
269
183
183
39
41
84.792
1.022
1.061
85.987
(1) Netos de amortizaciones acumuladas hasta su clasificaci\u00f3n como \"Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la
venta\".
(2) En 2020, la variaci\u00f3n corresponde principalmente al acuerdo de venta de BBVA USA (ver Nota 3).
Como se indica en la Nota 2.2.4, \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos
para la venta\u201d y \u201cPasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la venta\u201d se
valoran al menor importe entre su valor razonable menos los costes de venta y su valor en libros. A 31 de diciembre de 2022, 2021 y
2020, la pr\u00e1ctica totalidad del valor en libros de los activos registrados a valor razonable de forma no recurrente coincide con su valor
razonable.
Procedentes de adjudicaciones o recuperaciones
A 31 de diciembre de 2022, 2021 y 2020, los inmuebles procedentes de adjudicaciones y recuperaciones, netos de las p\u00e9rdidas por
deterioro, seg\u00fan la naturaleza del activo, ascend\u00edan a 478, 608 y 747 millones de euros en los activos de uso residencial; a 199, 202 y
215 millones de euros en los activos de uso terciario (industrial, comercial u oficinas) y a 34, 19 y 21 millones de euros en los activos de
uso agr\u00edcola, respectivamente.
A 31 de diciembre de 2022, 2021 y 2020, el plazo medio de venta de los activos procedentes de adjudicaciones o recuperaciones era
de entre 2 y 3 a\u00f1os.
Durante los ejercicios 2022, 2021 y 2020 algunas de las operaciones de venta de estos activos se financiaron por sociedades del
Grupo. El importe de los pr\u00e9stamos concedidos a los compradores de estos activos en esos ejercicios ascendi\u00f3 a 43, 62 y 78 millones
de euros, respectivamente; con un porcentaje medio financiado en el ejercicio 2022 del 37% del precio de venta.
Durante los ejercicios 2022, 2021 y 2020, el importe de los beneficios con origen en la venta de activos financiados por sociedades
del Grupo que no est\u00e1n reconocidas en las cuentas de p\u00e9rdidas y ganancias consolidadas no es significativo.
", "dimensions": { "concept": "ifrs-full:DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV8zOTEvZnJhZzo1NTQzOWRlNzkyZTk0NmFlYTJkZGRjYWE1ZWY4MzMzOS90ZXh0cmVnaW9uOjU1NDM5ZGU3OTJlOTQ2YWVhMmRkZGNhYTVlZjgzMzM5XzQyMzMxMTk3NjgxMzQz_b0efdcb1-6a0f-49e8-bcb5-03a1819f779f": { "value": "
Activos y pasivos asociados a operaciones interrumpidas
Tal y como se menciona en la Nota 3, durante el ejercicio 2020 se anunci\u00f3 el acuerdo para la venta de la filial de BBVA en Estados
Unidos que se complet\u00f3 el 1 de junio de 2021. Los saldos de los activos y pasivos correspondientes a las 37 sociedades vendidas
fueron reclasificados a los ep\u00edgrafes \u201cActivos no corrientes y grupos enajenables de elementos que se han clasificado como
mantenidos para la venta\u201d y \u201cPasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la
venta\u201d del balance consolidado a 31 de diciembre de 2020 y los resultados de estas sociedades correspondientes a los primeros
cinco meses del ejercicio 2021 y el ejercicio 2020, fueron registrados en el cap\u00edtulo \u201cGanancias (p\u00e9rdidas) despu\u00e9s de impuestos
procedentes de actividades interrumpidas\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas de dichos ejercicios.
", "dimensions": { "concept": "ifrs-full:DisclosureOfDiscontinuedOperationsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80MDMvZnJhZzowNjFlYTRmOTNiNTc0ZTI2YTNmYzBlMTJiMjE4ZTBkOS90ZXh0cmVnaW9uOjA2MWVhNGY5M2I1NzRlMjZhM2ZjMGUxMmIyMThlMGQ5XzQyMzMxMTk3NjY5NzY0_7c95bc78-e135-46a8-aa02-f57995497a60": { "value": "Dep\u00f3sitos de entidades de cr\u00e9dito
El desglose del saldo de este ep\u00edgrafe de los balances consolidados adjuntos, por tipo de instrumento financiero y por \u00e1rea geogr\u00e1fica,
es el siguiente:
\u00a0
Dep\u00f3sitos de entidades de cr\u00e9dito (Millones de euros)
A la vista
Cuentas a plazo
y otros (1)
Cesi\u00f3n temporal
de activos
Total
Diciembre 2022
Espa\u00f1a
1.215
1.429
67
2.709
M\u00e9xico
855
732
\u2014
1.587
Turqu\u00eda
10
633
29
672
Am\u00e9rica del Sur
844
2.251
\u2014
3.095
Resto de Europa
3.613
2.944
1.669
8.226
Resto del mundo
4.897
3.797
1.949
10.645
Total
11.434
11.787
3.714
26.935
Diciembre 2021
Espa\u00f1a
1.671
375
\u2014
2.047
M\u00e9xico
444
558
\u2014
1.002
Turqu\u00eda
83
672
37
792
Am\u00e9rica del Sur
532
1.225
\u2014
1.757
Resto de Europa
1.841
3.110
2.549
7.500
Resto del mundo
3.030
2.657
1.048
6.736
Total
7.601
8.599
3.634
19.834
Diciembre 2020
Espa\u00f1a
345
1.405
1
1.751
M\u00e9xico
689
672
188
1.549
Turqu\u00eda
8
580
28
617
Am\u00e9rica del Sur
557
1.484
\u2014
2.041
Resto de Europa
2.842
4.531
4.070
11.444
Resto del mundo
2.755
7.406
67
10.228
Total
7.196
16.079
4.354
27.629
La variaci\u00f3n del saldo se debe fundamentalmente a las siguientes operaciones:
Valores perpetuos eventualmente convertibles
La Junta General Ordinaria de Accionistas del Banco celebrada el 17 de marzo de 2017 acord\u00f3, en el punto quinto de su orden del d\u00eda,
delegar en el Consejo de Administraci\u00f3n la facultad de emitir valores convertibles en acciones de nueva emisi\u00f3n de BBVA, en una o en
varias veces, dentro del plazo m\u00e1ximo de cinco a\u00f1os a contar desde la fecha de aprobaci\u00f3n del acuerdo de delegaci\u00f3n, por un importe
m\u00e1ximo total conjunto de 8.000 millones de euros, o su equivalente en cualquier otra divisa. Asimismo, la Junta General acord\u00f3
delegar en el Consejo de Administraci\u00f3n la facultad de excluir, total o parcialmente, el derecho de suscripci\u00f3n preferente de los
accionistas en el marco de una emisi\u00f3n concreta de valores convertibles, si bien, dicha facultad qued\u00f3 limitada a que el importe
nominal de los aumentos de capital que se acuerden o que efectivamente se lleven a cabo para atender la conversi\u00f3n de emisiones
ordinariamente convertibles que se realicen en virtud de la referida delegaci\u00f3n (sin perjuicio de los ajustes anti-diluci\u00f3n) con exclusi\u00f3n
del derecho de suscripci\u00f3n preferente y de los que se acuerden o ejecuten igualmente con exclusi\u00f3n del derecho de suscripci\u00f3n
preferente en uso de la delegaci\u00f3n para aumentar el capital social acordada por la Junta General Ordinaria de Accionistas celebrada el
17 de marzo de 2017, en el punto cuarto de su orden del d\u00eda, no superen la cantidad nominal m\u00e1xima, en conjunto, del 20% del capital
social de BBVA en el momento de la delegaci\u00f3n, no siendo este l\u00edmite de aplicaci\u00f3n a las emisiones eventualmente convertibles.
En virtud de dicha delegaci\u00f3n, BBVA ha realizado desde 2020 la siguiente emisi\u00f3n eventualmente convertible que computa como
capital de nivel 1 adicional del Banco y del Grupo de acuerdo con el Reglamento (UE) 575/2013:
\u2013El 15 de julio de 2020, BBVA realiz\u00f3 una emisi\u00f3n de valores perpetuos eventualmente convertibles (instrumentos de capital de
nivel 1 adicional) con exclusi\u00f3n del derecho de suscripci\u00f3n preferente de los accionistas, por importe nominal de 1.000
millones de euros. Esta emisi\u00f3n cotiza en AIAF Mercado de Renta Fija y fue dirigida exclusivamente a clientes profesionales y
contrapartes elegibles, no pudiendo ser colocadas o suscritas por clientes minoristas.
Por otra parte, la Junta General Ordinaria de Accionistas del Banco celebrada el 20 de abril de 2021 acord\u00f3, en el punto quinto de su
orden del d\u00eda, delegar en el Consejo de Administraci\u00f3n, con facultades de subdelegaci\u00f3n, la facultad de emitir valores convertibles en
acciones de nueva emisi\u00f3n de BBVA cuya conversi\u00f3n sea eventual y se prevea para atender a requisitos regulatorios para su
computabilidad como instrumentos de capital (CoCos), de acuerdo con la normativa de solvencia aplicable en cada momento, con
sujeci\u00f3n a las disposiciones legales y estatutarias que sean aplicables en cada momento, pudiendo realizar las emisiones en una o en
varias veces dentro del plazo m\u00e1ximo de cinco (5) a\u00f1os a contar desde la fecha de aprobaci\u00f3n del acuerdo de delegaci\u00f3n, por un
importe m\u00e1ximo total conjunto de 8.000 millones de euros o su equivalente en cualquier otra divisa, pudiendo asimismo acordar la
exclusi\u00f3n, total o parcial, del derecho de suscripci\u00f3n preferente de los accionistas en el marco de una emisi\u00f3n concreta, cumpliendo
en todo caso con los requisitos y limitaciones legales establecidas al efecto en cada momento. Asimismo, se dej\u00f3 sin efecto, en la
parte no utilizada, la delegaci\u00f3n conferida por la Junta General Ordinaria de Accionistas celebrada el d\u00eda 17 de marzo de 2017 en el
punto quinto del orden del d\u00eda.
A la fecha del presente documento el Banco no ha hecho uso de la delegaci\u00f3n conferida por la Junta General de Accionistas de BBVA
celebrada el 20 de abril de 2021.
Todos estos valores perpetuos ser\u00e1n objeto de conversi\u00f3n en acciones ordinarias de BBVA de nueva emisi\u00f3n si la ratio de capital de
nivel 1 ordinario del Banco a nivel individual o consolidado se situase por debajo del 5,125%, de acuerdo con lo previsto en sus
respectivos t\u00e9rminos y condiciones.
Este tipo de emisiones que realiza el Banco podr\u00e1n ser amortizadas a opci\u00f3n de BBVA, en su totalidad, \u00fanicamente en los supuestos
contemplados en sus respectivos t\u00e9rminos y condiciones y, en todo caso, de conformidad con lo dispuesto en la normativa que
resulte de aplicaci\u00f3n. En concreto, a lo largo de los ejercicios 2020, 2021 y 2022:
\u2013El 18 de febrero de 2020, el Banco procedi\u00f3 a amortizar anticipadamente la emisi\u00f3n de participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (instrumentos de capital de nivel 1 adicional), realizada por el
Banco el 18 de febrero de 2015 por un importe de 1.500 millones de euros, coincidiendo con la Primera Fecha de Revisi\u00f3n
(First Reset Date) de dicha emisi\u00f3n y una vez obtenida la autorizaci\u00f3n correspondiente por parte del Regulador.
\u2013El 14 de abril de 2021, el Banco procedi\u00f3 a amortizar anticipadamente la emisi\u00f3n de participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (instrumentos de capital de nivel 1 adicional), realizada por el
Banco el 14 de abril de 2016 por un importe de 1.000 millones de euros, coincidiendo con la Primera Fecha de Revisi\u00f3n (First
Reset Date) de dicha emisi\u00f3n y una vez obtenida la autorizaci\u00f3n correspondiente por parte del Regulador.
\u2013El 24 de mayo de 2022, el Banco procedi\u00f3 a amortizar anticipadamente la emisi\u00f3n de participaciones preferentes
eventualmente convertibles en acciones ordinarias de BBVA (instrumentos de capital de nivel 1 adicional), realizada por el
Banco el 24 de mayo de 2017 por un importe de 500 millones de euros, coincidiendo con la Primera Fecha de Revisi\u00f3n (First
Reset Date) de dicha emisi\u00f3n y una vez obtenida la autorizaci\u00f3n correspondiente por parte del Regulador.
Valores convertibles
Posteriormente, la Junta General Ordinaria de Accionistas del Banco celebrada el 18 de marzo de 2022 acord\u00f3, en el punto quinto de
su orden del d\u00eda, delegar en el Consejo de Administraci\u00f3n, con facultades de subdelegaci\u00f3n, la facultad de emitir valores convertibles
en acciones de nueva emisi\u00f3n de BBVA (distintos de aquellos valores cuya conversi\u00f3n sea eventual y se prevea para atender a
requisitos regulatorios para su computabilidad como instrumentos de capital (CoCos) a los que se refieren los acuerdos adoptados
por la Junta General Ordinaria de Accionistas del Banco celebrada el 20 de abril de 2021, en su punto quinto del orden del d\u00eda), con
sujeci\u00f3n a las disposiciones legales y estatutarias que sean aplicables en cada momento, pudiendo realizar las emisiones en una o en
varias veces dentro del plazo m\u00e1ximo de cinco a\u00f1os a contar desde la fecha de aprobaci\u00f3n del acuerdo de delegaci\u00f3n, por un importe
m\u00e1ximo total conjunto de 6.000 millones de euros o su equivalente en cualquier otra divisa, pudiendo asimismo acordar la exclusi\u00f3n,
total o parcial, del derecho de suscripci\u00f3n preferente de los accionistas en el marco de una emisi\u00f3n concreta, cumpliendo en todo
caso con los requisitos legales establecidas al efecto en cada momento.
A la fecha del presente documento el Banco no ha hecho uso de la delegaci\u00f3n conferida por la Junta General de Accionistas de BBVA
celebrada el 18 de marzo de 2022.
ANEXO VI. Detalle de las emisiones vivas a 31 de diciembre de 2022, 2021 y 2020 de
pasivos subordinados y participaciones preferentes emitidos por el Banco o por
sociedades consolidables del Grupo BBVA
Emisiones vivas a 31 de diciembre de 2022, 2021 y 2020 de financiaciones subordinadas
Millones de euros
Sociedad emisora y fecha de emisi\u00f3n
Moneda
Diciembre
2022
Diciembre
2021
Diciembre
2020
Tipo de inter\u00e9s
vigente
a 31 de diciembre
de 2022
Fecha de
vencimiento
Emisiones en euros
BANCO BILBAO VIZCAYA ARGENTARIA S.A.
marzo-08
EUR
125
125
125
6,03 %
3-mar.-33
julio-08
EUR
100
100
100
6,20 %
4-jul.-23
abril-16
EUR
\u2014
\u2014
1.000
\u2014 %
Perpetuo
febrero-17
EUR
1.000
1.000
1.000
3,50 %
10-feb.-27
febrero-17
EUR
99
99
99
4,00 %
24-feb.-32
marzo-17
EUR
65
65
65
4,00 %
24-feb.-32
mayo-17
EUR
150
150
150
2,54 %
24-may.-27
mayo-17
EUR
\u2014
500
500
\u2014 %
Perpetuo
septiembre-18
EUR
1.000
1.000
1.000
5,88 %
Perpetuo
febrero-19
EUR
750
750
750
2,58 %
22-feb.-29
marzo-19
EUR
1.000
1.000
1.000
6,00 %
Perpetuo
enero-20
EUR
994
994
994
1,00 %
16-ene.-30
julio-20
EUR
1.000
1.000
1.000
6,00 %
Perpetuo
Total emisiones en euros
EUR
6.460
7.028
8.113
Emisiones vivas a 31 de diciembre de 2022, 2021 y 2020 de financiaciones subordinadas
Millones de euros
Sociedad emisora y fecha de emisi\u00f3n
Moneda
Diciembre
2022
Diciembre
2021
Diciembre
2020
Tipo de inter\u00e9s
vigente
a 31 de
diciembre de
2022
Fecha de
vencimiento
Emisiones en moneda extranjera
BANCO BILBAO VIZCAYA ARGENTARIA S.A.
marzo-17
USD
113
106
98
5,70 %
31-mar.-32
noviembre-17
USD
938
883
815
6,13 %
Perpetuo
mayo-18
USD
279
263
243
5,25 %
29-may.-33
septiembre-19
USD
938
883
815
6,50 %
Perpetuo
Subtotal
USD
2.267
2.135
1.970
mayo-17
CHF
20
19
19
1,60 %
24-may.-27
Subtotal
CHF
20
19
19
julio-20
GBP
338
357
334
3,10 %
15-jul.-31
Subtotal
GBP
338
357
334
BBVA GLOBAL FINANCE LTD (1)
diciembre-95
USD
187
176
162
7,00 %
1-dic.-25
Subtotal
USD
187
176
162
BBVA BANCOMER S.A. INSTITUCION DE
BANCA MULTIPLE GRUPO FINANCIERO
BBVA BANCOMER
abril-10
USD
\u2014
\u2014
\u2014
7,25 %
22-abr.-20
marzo-11
USD
\u2014
\u2014
612
6,50 %
10-mar.-21
julio-12
USD
\u2014
1.329
1.223
6,75 %
30-sept.-22
noviembre-14
USD
187
177
163
5,35 %
12-nov.-29
enero-18
USD
935
886
815
5,13 %
18-ene.-33
septiembre-19
USD
702
665
612
5,88 %
13-sept.-34
Subtotal
USD
1.824
3.057
3.425
BANCO BILBAO VIZCAYA ARGENTARIA
URUGUAY S.A.
noviembre-17
USD
1
\u2014
\u2014
9,54 %
6-feb.-64
Subtotal
\u2014
1
\u2014
\u2014
BBVA PARAGUAY S.A. (2)
noviembre-14
USD
\u2014
\u2014
16
6,75 %
5-nov.-21
noviembre-15
USD
\u2014
\u2014
20
6,70 %
18-nov.-22
Subtotal
USD
\u2014
\u2014
37
BBVA USA (2)
marzo-06
USD
\u2014
\u2014
58
5,90 %
1-abr.-26
abril-15
USD
\u2014
\u2014
570
3,88 %
10-abr.-25
Subtotal
USD
\u2014
\u2014
628
(1) Las emisiones de BBVA Global Finance, Ltd. est\u00e1n avaladas, con car\u00e1cter subordinado, por el Banco.
(2) Sociedades vendidas en 2022 (ver Nota 3).
Emisiones vivas a 31 de diciembre de 2022, 2021 y 2020 de financiaciones subordinadas
Millones de euros
Sociedad emisora y fecha de emisi\u00f3n
Moneda
Diciembre
2022
Diciembre
2021
Diciembre
2020
Tipo de
inter\u00e9s
vigente
a 31 de
diciembre de
2022
Fecha de
vencimiento
BBVA COLOMBIA S.A.
septiembre-11
COP
\u2014
\u2014
25
4,45 %
19-sept.-21
septiembre-11
COP
30
35
37
17,82 %
19-sept.-26
febrero-13
COP
39
44
47
16,58 %
19-feb.-23
febrero-13
COP
32
37
39
16,91 %
19-feb.-28
noviembre-14
COP
18
20
21
17,46 %
26-nov.-29
noviembre-14
COP
20
32
30
17,59 %
26-nov.-34
Subtotal
COP
139
168
200
abril-15
USD
375
349
324
4,93 %
21-abr.-25
Subtotal
USD
375
349
324
BBVA BANCO CONTINENTAL S.A.
junio-07
PEN
23
19
18
3,47 %
18-jun.-32
noviembre-07
PEN
21
17
16
3,56 %
19-nov.-32
julio-08
PEN
18
15
15
3,06 %
8-jul.-23
septiembre-08
PEN
20
16
16
3,09 %
9-sept.-23
diciembre-08
PEN
12
10
9
4,19 %
15-dic.-33
Subtotal
PEN
93
77
74
mayo-07
USD
\u2014
18
16
6,00 %
14-may.-27
febrero-08
USD
19
18
17
6,47 %
28-feb.-28
octubre-13
USD
43
40
37
6,53 %
2-oct.-28
septiembre-14
USD
270
272
257
5,25 %
22-sept.-29
Subtotal
USD
332
349
327
GARANTI BBVA AS
mayo-17
USD
698
645
607
7,18 %
24-may.-27
Subtotal
USD
698
645
607
octubre-19
TRY
13
17
28
10,66 %
7-oct.-29
febrero-20
TRY
38
49
82
12,33 %
14-feb.-30
Subtotal
TRY
50
66
110
Total Emisiones en otras divisas
6.326
7.398
8.217
Emisiones vivas a 31 de diciembre de 2022, 2021 y 2020 de participaciones preferentes (Millones
de euros)
Diciembre 2022
Diciembre 2021
Diciembre 2020
Sociedad emisora y fecha de emisi\u00f3n
Moneda
Importe
emitido\u00a0
Moneda
Importe
emitido
Moneda
Importe
emitido
BBVA COLOMBIA S.A.
diciembre-93
COP
\u2014
COP
\u2014
COP
\u2014
BBVA International Preferred, S.A.U.
julio-07
GBP
\u2014
GBP
\u2014
GBP
35
PHOENIX LOAN HOLDINGS INC
noviembre-00
USD
\u2014
USD
\u2014
USD
17
CAIXA TERRASSA SOCIETAT DE
PARTICIPACIONS PREFERENTS SAU
agosto-05
EUR
\u2014
EUR
\u2014
EUR
74
CAIXASABADELL PREFERENTS S.A.
julio-06
EUR
\u2014
EUR
\u2014
EUR
85
", "dimensions": { "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80MTUvZnJhZzo5MjQ3NzFmNDM4YmQ0NjBkOTc4Mjk0ZDExYWJjZWIzOS90ZXh0cmVnaW9uOjkyNDc3MWY0MzhiZDQ2MGQ5NzgyOTRkMTFhYmNlYjM5XzQyMzMxMTk3NjcwMzUy_7214d170-58c5-4e99-91fe-a28c7874e481": { "value": "Otros pasivos financieros
El desglose del saldo de este ep\u00edgrafe de los balances consolidados adjuntos es:
Otros pasivos financieros (Millones de euros)
2022
2021
2020
Pasivos por arrendamientos (1)
1.398
2.560
2.674
Acreedores por otros pasivos financieros
3.589
2.657
2.408
Cuentas de recaudaci\u00f3n
3.426
3.839
3.275
Acreedores por otras obligaciones a pagar (2)
5.673
6.127
5.000
Total
14.086
15.183
13.358
(1) La variaci\u00f3n en 2022 se debe principalmente al cierre de la transacci\u00f3n con Merlin Properties por la cual el Grupo BBVA adquiri\u00f3 el 100% de las acciones de Tree Inversiones
Inmobiliarias, SOCIMI, S.A. (ver Nota 17).
(2) Este ep\u00edgrafe incluye en 2021 el importe comprometido por la adquisici\u00f3n de acciones propias del programa de recompra (ver Notas 2.2.14 y 4).
A continuaci\u00f3n se detallan los vencimientos de los pasivos por arrendamiento con vencimiento posterior a 31 de diciembre de 2022:
Vencimientos de pasivos por arrendamientos (Millones de euros)
Menos de 1
a\u00f1o
De 1 a 3
a\u00f1os
De 3 a 5
a\u00f1os
M\u00e1s de 5
a\u00f1os
Total
Por arrendamiento
142
260
305
691
1.398
(1) Proporciona una cobertura en el caso de uno o m\u00e1s de los siguientes eventos: fallecimiento, discapacidad y enfermedad grave.
(2) P\u00f3lizas de seguro adquiridas por las empresas (que no sean entidades del Grupo BBVA) en nombre de sus empleados.
A continuaci\u00f3n, se detallan los flujos de dichos pasivos amparados por contratos de seguro o reaseguro:
Vencimientos residuales (Millones de euros). Pasivos amparados por contrato de seguro o reaseguro
Menos de 1 a\u00f1o
De 1 a 3 a\u00f1os
De 3 a 5 a\u00f1os
M\u00e1s de 5 a\u00f1os
Total
2022
2.264
732
1.836
7.016
11.848
2021
1.808
290
1.664
7.103
10.865
2020
1.227
950
1.616
6.158
9.951
(1) Proporciona una cobertura en el caso de uno o m\u00e1s de los siguientes eventos: fallecimiento, discapacidad y enfermedad grave.
(2) P\u00f3lizas de seguro adquiridas por las empresas (que no sean entidades del Grupo BBVA) en nombre de sus empleados.
A continuaci\u00f3n, se detallan los flujos de dichos pasivos amparados por contratos de seguro o reaseguro:
Vencimientos residuales (Millones de euros). Pasivos amparados por contrato de seguro o reaseguro
Menos de 1 a\u00f1o
De 1 a 3 a\u00f1os
De 3 a 5 a\u00f1os
M\u00e1s de 5 a\u00f1os
Total
2022
2.264
732
1.836
7.016
11.848
2021
1.808
290
1.664
7.103
10.865
2020
1.227
950
1.616
6.158
9.951
(1) La variaci\u00f3n se debe principalmente a la menor valoraci\u00f3n de los compromisos de prestaci\u00f3n definida tras la subida de tipo de inter\u00e9s en Espa\u00f1a y al pago de prestaciones.
(2) La variaci\u00f3n en 2021 se explica principalmente por el procedimiento de despido colectivo que se llev\u00f3 a cabo en Banco Bilbao Vizcaya Argentaria, S.A. en 2021.
(3) Provisiones de distintos conceptos y correspondientes a distintas \u00e1reas geogr\u00e1ficas que, de manera individual, no son significativas.
A continuaci\u00f3n se muestra el movimiento que se ha producido durante los ejercicios 2022, 2021 y 2020 en el saldo de los ep\u00edgrafes de
este cap\u00edtulo:
Fondos para pensiones, otras obligaciones de prestaciones definidas post-empleo y otras retribuciones a los empleados a
largo plazo. Movimientos del ejercicio (Millones de euros)
Notas
2022
2021
2020
Saldo inicial
3.576
4.272
4.631
Cargos a resultados del ejercicio
26
141
298
\u00a0 \u00a0 \u00a0 Intereses y cargas asimiladas
75
37
44
\u00a0 \u00a0 \u00a0 Gastos de personal
44.1
43
49
49
\u00a0 \u00a0 \u00a0 Dotaciones a provisiones
(92)
56
205
Cargos (abonos) a patrimonio neto (1)
25
(433)
(206)
191
Traspasos y otros movimientos (2)
23
(21)
(71)
Prestaciones pagadas
25
(492)
(608)
(654)
Aportaciones de la empresa y otros movimientos
25
(67)
(4)
(124)
Saldo final
2.632
3.576
4.272
(1) Corresponden a las p\u00e9rdidas (ganancias) actuariales por ciertos compromisos de prestaci\u00f3n definida post-empleo por pensiones con cargo a \u2018\u2018Patrimonio neto
consolidado\u2019\u2019 (ver Nota 2.2.11).
(2) En 2020, incluye el saldo de las sociedades del Grupo que estaban en proceso de venta en Estados Unidos (ver Notas 3 y 21).
Fondos para cuestiones procesales, litigios por impuestos pendientes y restantes provisiones. Movimientos del ejercicio
(Millones de euros)
2022
2021
2020
Saldo inicial
990
1.091
1.134
Adiciones (1)
417
1.175
555
Incorporaci\u00f3n de sociedades al Grupo
\u2014
\u2014
\u2014
Importes no utilizados que han sido objeto de recuperaci\u00f3n durante el
ejercicio
(130)
(227)
(215)
Utilizaciones de fondos y otros movimientos (1)
(211)
(1.050)
(383)
Saldo al final
1.065
990
1.091
(1) En el ejercicio 2021 se incluye el reconocimiento inicial del coste del procedimiento de despido colectivo que se ha llevado a cabo en Banco Bilbao Vizcaya Argentaria, S.A. y la
reclasificaci\u00f3n de \"Restantes provisiones\" a \"Otras retribuciones a los empleados a largo plazo\" por el importe remanente a la fecha de la reclasificaci\u00f3n.
Procedimiento de despido colectivo
El 8 de junio de 2021, BBVA alcanz\u00f3 un acuerdo con la representaci\u00f3n legal de los trabajadores sobre el procedimiento de despido
colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a el pasado 13 de abril de 2021, que afectar\u00eda a un m\u00e1ximo de
2.935 empleados. El acuerdo contemplaba tambi\u00e9n el cierre de 480 oficinas. El coste del proceso ascendi\u00f3 a 994 millones de euros
antes de impuestos, de los que 754 correspondieron al despido colectivo y 240 al cierre de oficinas (ver Notas 17, 21, 46, 49 y 50).
Una vez finalizado el procedimiento un total de 2.899 trabajadores aceptaron el acuerdo y se desvincularon del Banco.
Procedimientos y litigios judiciales en curso
El sector financiero se enfrenta a un entorno de mayor presi\u00f3n regulatoria y litigiosa. En ese entorno, las diversas entidades del Grupo
son, con frecuencia objeto de demandas y, por tanto, se ven inmersas en procedimientos y litigios judiciales, individuales o colectivos,
derivados de su actividad y operaciones, incluyendo procedimientos derivados de su actividad crediticia, de sus relaciones laborales y
de otras cuestiones comerciales, regulatorias o fiscales, as\u00ed como en arbitrajes.
Con la informaci\u00f3n disponible el Grupo considera que, a 31 de diciembre de 2022, las provisiones que se han dotado en relaci\u00f3n con
los procedimientos judiciales y los arbitrajes, cuando as\u00ed se requieren, son adecuadas y cubren razonablemente los pasivos que
pudieran derivarse, en su caso, de dichos procedimientos y arbitrajes. Asimismo, con la informaci\u00f3n disponible y con las salvedades
indicadas en la Nota 7.1 \u201cFactores de riesgo\u201d, BBVA considera que las responsabilidades que pudieran derivarse de dichos
procedimientos no tendr\u00e1n, consideradas cada una de ellas de forma individualizada, un efecto significativo adverso en el negocio, la
situaci\u00f3n financiera y los resultados del Grupo.
Otros activos y pasivos contingentes
A 31 de diciembre de 2022, 2021 y 2020 no exist\u00edan activos y pasivos contingentes por importes significativos distintos de los
mencionados en estas Notas.
", "dimensions": { "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80MjEvZnJhZzowZWE3YzMwMTI3YzM0MDkyODNmOTFhYzJlZDJiOWJjYS90ZXh0cmVnaW9uOjBlYTdjMzAxMjdjMzQwOTI4M2Y5MWFjMmVkMmI5YmNhXzQyMzMxMTk3NjcyNTEx_9b6e845b-8a26-4eec-837d-8e6afd2ae876": { "value": "Provisiones
La composici\u00f3n del saldo de este ep\u00edgrafe de los balances consolidados adjuntos, en funci\u00f3n del tipo de provisiones que lo originan, es
la siguiente:
Provisiones. Desglose por conceptos (Millones de euros)
Notas
2022
2021
2020
Pensiones y otras obligaciones de prestaciones definidas post-empleo (1)
25
2.632
3.576
4.272
Otras retribuciones a los empleados a largo plazo (2)
25
466
632
49
Cuestiones procesales y litigios por impuestos pendientes
7.1
685
623
612
Compromisos y garant\u00edas concedidos
770
691
728
Restantes provisiones (3)
380
366
479
Total
4.933
5.889
6.141
(1) La variaci\u00f3n se debe principalmente a la menor valoraci\u00f3n de los compromisos de prestaci\u00f3n definida tras la subida de tipo de inter\u00e9s en Espa\u00f1a y al pago de prestaciones.
(2) La variaci\u00f3n en 2021 se explica principalmente por el procedimiento de despido colectivo que se llev\u00f3 a cabo en Banco Bilbao Vizcaya Argentaria, S.A. en 2021.
(3) Provisiones de distintos conceptos y correspondientes a distintas \u00e1reas geogr\u00e1ficas que, de manera individual, no son significativas.
A continuaci\u00f3n se muestra el movimiento que se ha producido durante los ejercicios 2022, 2021 y 2020 en el saldo de los ep\u00edgrafes de
este cap\u00edtulo:
Fondos para pensiones, otras obligaciones de prestaciones definidas post-empleo y otras retribuciones a los empleados a
largo plazo. Movimientos del ejercicio (Millones de euros)
Notas
2022
2021
2020
Saldo inicial
3.576
4.272
4.631
Cargos a resultados del ejercicio
26
141
298
\u00a0 \u00a0 \u00a0 Intereses y cargas asimiladas
75
37
44
\u00a0 \u00a0 \u00a0 Gastos de personal
44.1
43
49
49
\u00a0 \u00a0 \u00a0 Dotaciones a provisiones
(92)
56
205
Cargos (abonos) a patrimonio neto (1)
25
(433)
(206)
191
Traspasos y otros movimientos (2)
23
(21)
(71)
Prestaciones pagadas
25
(492)
(608)
(654)
Aportaciones de la empresa y otros movimientos
25
(67)
(4)
(124)
Saldo final
2.632
3.576
4.272
(1) Corresponden a las p\u00e9rdidas (ganancias) actuariales por ciertos compromisos de prestaci\u00f3n definida post-empleo por pensiones con cargo a \u2018\u2018Patrimonio neto
consolidado\u2019\u2019 (ver Nota 2.2.11).
(2) En 2020, incluye el saldo de las sociedades del Grupo que estaban en proceso de venta en Estados Unidos (ver Notas 3 y 21).
Fondos para cuestiones procesales, litigios por impuestos pendientes y restantes provisiones. Movimientos del ejercicio
(Millones de euros)
2022
2021
2020
Saldo inicial
990
1.091
1.134
Adiciones (1)
417
1.175
555
Incorporaci\u00f3n de sociedades al Grupo
\u2014
\u2014
\u2014
Importes no utilizados que han sido objeto de recuperaci\u00f3n durante el
ejercicio
(130)
(227)
(215)
Utilizaciones de fondos y otros movimientos (1)
(211)
(1.050)
(383)
Saldo al final
1.065
990
1.091
(1) En el ejercicio 2021 se incluye el reconocimiento inicial del coste del procedimiento de despido colectivo que se ha llevado a cabo en Banco Bilbao Vizcaya Argentaria, S.A. y la
reclasificaci\u00f3n de \"Restantes provisiones\" a \"Otras retribuciones a los empleados a largo plazo\" por el importe remanente a la fecha de la reclasificaci\u00f3n.
Procedimiento de despido colectivo
El 8 de junio de 2021, BBVA alcanz\u00f3 un acuerdo con la representaci\u00f3n legal de los trabajadores sobre el procedimiento de despido
colectivo planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a el pasado 13 de abril de 2021, que afectar\u00eda a un m\u00e1ximo de
2.935 empleados. El acuerdo contemplaba tambi\u00e9n el cierre de 480 oficinas. El coste del proceso ascendi\u00f3 a 994 millones de euros
antes de impuestos, de los que 754 correspondieron al despido colectivo y 240 al cierre de oficinas (ver Notas 17, 21, 46, 49 y 50).
Una vez finalizado el procedimiento un total de 2.899 trabajadores aceptaron el acuerdo y se desvincularon del Banco.
Procedimientos y litigios judiciales en curso
El sector financiero se enfrenta a un entorno de mayor presi\u00f3n regulatoria y litigiosa. En ese entorno, las diversas entidades del Grupo
son, con frecuencia objeto de demandas y, por tanto, se ven inmersas en procedimientos y litigios judiciales, individuales o colectivos,
derivados de su actividad y operaciones, incluyendo procedimientos derivados de su actividad crediticia, de sus relaciones laborales y
de otras cuestiones comerciales, regulatorias o fiscales, as\u00ed como en arbitrajes.
Con la informaci\u00f3n disponible el Grupo considera que, a 31 de diciembre de 2022, las provisiones que se han dotado en relaci\u00f3n con
los procedimientos judiciales y los arbitrajes, cuando as\u00ed se requieren, son adecuadas y cubren razonablemente los pasivos que
pudieran derivarse, en su caso, de dichos procedimientos y arbitrajes. Asimismo, con la informaci\u00f3n disponible y con las salvedades
indicadas en la Nota 7.1 \u201cFactores de riesgo\u201d, BBVA considera que las responsabilidades que pudieran derivarse de dichos
procedimientos no tendr\u00e1n, consideradas cada una de ellas de forma individualizada, un efecto significativo adverso en el negocio, la
situaci\u00f3n financiera y los resultados del Grupo.
", "dimensions": { "concept": "ifrs-full:DisclosureOfProvisionsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80MjcvZnJhZzo1MzliYTNlNDVmYWY0ODU2OTM4YTZmYmRlMmY2MWQ0OC90ZXh0cmVnaW9uOjUzOWJhM2U0NWZhZjQ4NTY5MzhhNmZiZGUyZjYxZDQ4XzQyMzMxMTk3Njc1MDAz_2198938e-2c05-4408-a0b5-30d0672a22df": { "value": "Retribuciones post-empleo y otros compromisos con empleados
Como se describe en la Nota 2.2.11, las entidades del Grupo tienen asumidos compromisos con los empleados que incluyen
retribuciones a corto plazo (ver Nota 44.1), planes de aportaci\u00f3n definida y de prestaci\u00f3n definida (ver Glosario), compromisos por
planes m\u00e9dicos con sus empleados, as\u00ed como otras retribuciones a largo plazo.
El Grupo financia planes de aportaci\u00f3n definida para la mayor\u00eda de los empleados en activo, siendo los m\u00e1s significativos los planes
existentes en Espa\u00f1a y M\u00e9xico. La mayor parte de los planes de prestaci\u00f3n definida corresponden a personal jubilado, los cuales se
encuentran cerrados a nuevas incorporaciones, siendo Espa\u00f1a, M\u00e9xico y Turqu\u00eda los pa\u00edses que concentran la mayor parte de
compromisos. El Grupo tambi\u00e9n mantiene en M\u00e9xico compromisos por planes m\u00e9dicos para un colectivo cerrado de empleados y
familiares, tanto para el periodo activo como una vez jubilado.
El desglose de los pasivos registrados en los balances consolidados a 31 de diciembre de 2022, 2021 y 2020, que corresponden
\u00fanicamente a los compromisos de prestaci\u00f3n definida, se muestra a continuaci\u00f3n:
Pasivo (activo) neto en el balance consolidado (Millones de euros)
Notas
2022
2021
2020
Obligaciones por pensiones
3.661
4.218
4.539
Obligaciones por prejubilaciones
606
952
1.247
Obligaciones por planes m\u00e9dicos
1.448
1.377
1.562
Otras retribuciones a largo plazo
466
632
49
Total obligaciones
6.181
7.180
7.398
Activos afectos a planes por pensiones
1.608
1.494
1.608
Activos afectos a planes m\u00e9dicos
1.476
1.494
1.484
Total activos afectos (1)
3.084
2.988
3.092
Total pasivo / activo neto
3.097
4.193
4.305
De los que: Activos netos en el balance consolidado (2)
(1)
(15)
(16)
De los que: Pasivos netos en el balance consolidado por obligaciones por
pensiones, prejubilaciones y planes m\u00e9dicos (3)
24
2.632
3.576
4.272
De los que: Pasivos netos en el balance consolidado por otras retribuciones a
largo plazo (4)
24
466
632
49
(1) Para Turqu\u00eda, la fundaci\u00f3n que gestiona los compromisos mantiene un activo adicional de 188 millones de euros a 31 de diciembre de 2022 que no ha sido reflejado en las
Cuentas Anuales consolidadas, de acuerdo con la normativa NIIF-UE sobre el l\u00edmite del activo, ya que, si bien puede ser utilizado para rebajar futuras contribuciones para
pensiones, no puede ser recuperado de forma inmediata.
(2) Registrados en el ep\u00edgrafe \"Otros activos\" de los balances consolidados (ver Nota 20).
(3) Registrados en el ep\u00edgrafe \"Provisiones- Pensiones y otras obligaciones de prestaciones definidas post-empleo\" de los balances consolidados.
(4) Registrados en el ep\u00edgrafe \"Provisiones-Otras retribuciones a los empleados a largo plazo\" de los balances consolidados. La variaci\u00f3n en 2021 se explica principalmente por el
procedimiento de despido colectivo que se ha llevado a cabo en Banco Bilbao Vizcaya Argentaria, S.A.
A continuaci\u00f3n se presentan los costes registrados por compromisos post-empleo en las cuentas de p\u00e9rdidas y ganancias
consolidadas de los ejercicios 2022, 2021 y 2020:
Efectos en cuentas de p\u00e9rdidas y ganancias consolidadas (Millones de euros)
Notas
2022
2021
2020
Ingresos y gastos por intereses
75
37
44
Gastos por intereses
342
257
265
Ingresos por intereses y otros ingresos similares
(267)
(220)
(220)
Gastos de personal
130
120
121
Contribuciones a fondos de pensiones de aportaci\u00f3n definida
44.1
87
71
72
Dotaciones a planes por pensiones de prestaci\u00f3n definida
44.1
43
49
49
Provisiones o reversi\u00f3n de provisiones
46
(89)
61
210
Coste por prejubilaciones del ejercicio
\u2014
100
224
Coste de servicios pasados
34
(28)
(8)
P\u00e9rdidas / ganancias actuariales (1)
(126)
(16)
(11)
Resto de provisiones
3
6
4
Total efecto en las cuentas de p\u00e9rdidas y ganancias consolidadas: cargos
(abonos)
116
218
375
(1) Corresponden a las mediciones de la obligaci\u00f3n neta por prestaciones definidas surgidas por prejubilaciones y otras retribuciones a largo plazo que se registran con cargo a
resultados (ver Nota 2.2.12).
Los costes registrados por compromisos post-empleo en el patrimonio neto consolidados corresponden a la actualizaci\u00f3n de la
valoraci\u00f3n de la obligaci\u00f3n neta por prestaciones definidas surgidas por compromisos por pensiones y planes m\u00e9dicos antes de su
efecto fiscal de los ejercicios 2022, 2021 y 2020 se muestran a continuaci\u00f3n:
Efectos en el patrimonio neto consolidado (Millones de euros)
2022
2021
2020
Planes por pensiones de prestaci\u00f3n definida
(363)
52
161
Planes m\u00e9dicos de prestaci\u00f3n definida
(71)
(257)
30
Total efecto en el patrimonio neto consolidado: cargos (abonos)
(433)
(206)
191
En el ejercicio 2022, el importe agregado de dicha partida supuso un abono de 433 millones de euros, que se explica principalmente
por la variaci\u00f3n en hip\u00f3tesis financieras, ganancias de 558 millones de euros por los compromisos en Espa\u00f1a, y p\u00e9rdidas de 72
millones de euros por los compromisos en M\u00e9xico. Los importes anteriores se compensan por otros efectos menores de experiencia
actuarial en estas mismas \u00e1reas geogr\u00e1ficas y efectos financieros, demogr\u00e1ficos y de experiencia en otras \u00e1reas geogr\u00e1ficas.
En el ejercicio 2021, el importe agregado de dicha partida supuso un abono de 206 millones de euros, que se explica principalmente
por la variaci\u00f3n en hip\u00f3tesis financieras, ganancias de 171 millones de euros por los compromisos en M\u00e9xico, y 55 millones de euros
por los compromisos en Espa\u00f1a. Los importes anteriores se compensan por otras geograf\u00edas y efectos demogr\u00e1ficos y de
experiencia.
En el ejercicio 2020, el importe agregado de dicha partida ascendi\u00f3 a un cargo de 191 millones de euros, explicado principalmente por
la variaci\u00f3n en el tipo de inter\u00e9s, p\u00e9rdidas de 91 millones de euros por los compromisos en M\u00e9xico y de 68 millones de euros por los
compromisos en Espa\u00f1a, y en menor medida por actualizaci\u00f3n de las tablas de mortalidad en Espa\u00f1a (p\u00e9rdidas de 49 millones de
euros). Los importes anteriores se reducen por efectos en otras \u00e1reas geogr\u00e1ficas y experiencia.
Planes de prestaci\u00f3n definida
Los compromisos incluidos en estos planes corresponden principalmente a personal jubilado o prejubilado del Grupo, a colectivos
cerrados de empleados a\u00fan en activo para el caso de jubilaci\u00f3n y a la mayor\u00eda de los empleados para los compromisos de incapacidad
laboral permanente y fallecimiento en activo. Para estos \u00faltimos, el Grupo desembolsa las primas exigidas para su total
aseguramiento. El movimiento de los compromisos para los ejercicios 2022, 2021 y 2020 se detalla a continuaci\u00f3n:
.
Compromisos de prestaci\u00f3n definida (Millones de euros)
2022
2021
2020
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Saldo inicial
6.547
2.988
3.560
7.348
3.092
4.256
8.116
3.493
4.622
Coste de servicios corriente
45
\u2014
45
53
\u2014
53
53
\u2014
53
Gastos o ingresos por intereses
333
267
65
253
220
33
261
219
42
Aportaciones de los part\u00edcipes
10
10
\u2014
5
5
\u2014
4
4
\u2014
Aportaciones de la empresa
\u2014
67
(67)
\u2014
4
(4)
\u2014
124
(124)
Coste por servicios pasados (1)
34
\u2014
34
75
\u2014
75
219
\u2014
219
P\u00e9rdidas / (ganancias)
actuariales:
(741)
(240)
(501)
(406)
(184)
(223)
364
176
187
Por rendimientos de los
activos del plan (2)
\u2014
(240)
240
\u2014
(184)
184
\u2014
176
(176)
Por cambios en hip\u00f3tesis
demogr\u00e1ficas
(29)
\u2014
(29)
(121)
\u2014
(121)
57
\u2014
57
Por cambios en hip\u00f3tesis
financieras
(812)
\u2014
(812)
(259)
\u2014
(259)
276
\u2014
276
Otras p\u00e9rdidas / (ganancias)
actuariales
100
\u2014
100
(27)
\u2014
(27)
30
\u2014
30
Prestaciones pagadas
(676)
(184)
(492)
(765)
(158)
(608)
(839)
(185)
(654)
Prestaciones pagadas
(liquidaciones)
(4)
(4)
\u2014
(1)
(1)
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y
desinversiones (3)
\u2014
\u2014
\u2014
(2)
1
(3)
(371)
(327)
(44)
Variaciones por tipos de cambio
161
180
(20)
(24)
8
(32)
(459)
(409)
(50)
Transformaci\u00f3n a aportaci\u00f3n
definida
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros movimientos
7
\u2014
7
13
\u2014
13
1
(3)
4
Saldo al final
5.715
3.084
2.631
6.547
2.988
3.560
7.348
3.092
4.256
Del que: Espa\u00f1a
2.546
147
2.399
3.670
206
3.464
4.288
249
4.039
Del que: M\u00e9xico
2.426
2.329
97
2.150
2.149
1
2.219
2.122
97
Del que: Estados Unidos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Del que: Turqu\u00eda
418
315
103
272
209
63
367
282
85
Para Espa\u00f1a, el tipo de descuento mostrado a 31 de diciembre de 2022, se corresponde con el tipo promedio ponderado, siendo los
tipos de descuento utilizados el 3,75 % y el 4 % en funci\u00f3n del tipo de compromiso.
Los tipos de descuento utilizados para actualizar los flujos futuros se han determinado tomando como referencia bonos corporativos
de alta calidad (ver Nota 2.2.12) de cada una de las divisas (zona euro para el caso de Espa\u00f1a y peso mexicano para M\u00e9xico) y bono
gubernamental en lira turca para el caso de Turqu\u00eda.
El rendimiento esperado de los activos del Plan se corresponde con el tipo de descuento establecido.
Las edades de jubilaci\u00f3n para los compromisos se determinan a la primera fecha en la que se tenga derecho a la jubilaci\u00f3n, la pactada
contractualmente en el caso de las prejubilaciones o mediante la utilizaci\u00f3n de tasas de jubilaci\u00f3n.
Las variaciones de las principales hip\u00f3tesis pueden afectar al c\u00e1lculo de los compromisos. A continuaci\u00f3n se muestra un cuadro de
sensibilidades con el efecto que producir\u00eda en las obligaciones una variaci\u00f3n en las hip\u00f3tesis principales:
An\u00e1lisis de sensibilidad (Millones de euros)
Variaci\u00f3n en
puntos b\u00e1sicos
2022
2021
2020
Incremento
Decremento
Incremento
Decremento
Incremento
Decremento
Tipo de descuento
50
(321)
350
(282)
307
(354)
390
Tasa de crecimiento de salarios
50
1
(1)
2
(2)
4
(4)
Tasa de crecimiento de las pensiones
50
32
(39)
28
(26)
29
(27)
Tasa de tendencia en el crecimiento de
costes m\u00e9dicos
50
119
(106)
109
(98)
145
(129)
Incremento en la obligaci\u00f3n por a\u00f1o de
longevidad
113
\u2014
170
\u2014
211
\u2014
Las sensibilidades se han determinado a la fecha de los estados financieros consolidados, y se corresponden con la variaci\u00f3n
individual de cada una de las hip\u00f3tesis manteniendo constante el resto, por lo que excluyen posibles efectos combinados.
Adem\u00e1s de los compromisos anteriores, el Grupo mantiene otras retribuciones a largo plazo de menor relevancia econ\u00f3mica, que
mayoritariamente corresponden a premios por antig\u00fcedad consistentes en la entrega de una cuant\u00eda establecida o unos d\u00edas de
vacaciones que se disfrutar\u00e1n cuando los empleados cumplan un determinado n\u00famero de a\u00f1os de prestaci\u00f3n de servicios efectivos.
Adicionalmente, en el a\u00f1o 2021 inclu\u00eda un fondo relacionado con el procedimiento de despido colectivo que se llev\u00f3 a cabo en Banco
Bilbao Vizcaya Argentaria, S.A. A 31 de diciembre de 2022, 2021 y 2020 el valor de estos compromisos ascend\u00eda a 466, 632 y 49
millones de euros, respectivamente. Los anteriores importes se encuentran registrados en el ep\u00edgrafe \u201cProvisiones \u2013 Otras
retribuciones a los empleados a largo plazo\u201d de los balances consolidados adjuntos (ver Nota 24).
Compromisos post-empleo y otras obligaciones similares
Los compromisos corresponden mayoritariamente a pensiones en pago determinadas en base al salario y a los a\u00f1os de servicio. En la
mayor parte de los planes, los pagos se originan por jubilaci\u00f3n, fallecimiento e incapacidad laboral del empleado.
Adicionalmente, las sociedades espa\u00f1olas del Grupo ofrecieron a determinados empleados en los ejercicios 2021 y 2020 la
posibilidad de jubilarse o prejubilarse con anterioridad a la edad de jubilaci\u00f3n establecida en el convenio colectivo laboral vigente,
oferta que fue aceptada por 432 y 781 empleados, respectivamente (0 empleados en 2022). Estos compromisos incluyen tanto las
retribuciones como las aportaciones a los fondos externos de pensiones a pagar durante el periodo de prejubilaci\u00f3n. A 31 de
diciembre de 2022, 2021 y 2020 el valor de estos compromisos ascend\u00eda a 606, 952 y 1.247 millones de euros, respectivamente.
El movimiento de las obligaciones y los activos afectos a los compromisos para el ejercicio 2022 es el siguiente:
Compromisos post-empleo 2022 (Millones de euros)
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Resto
Obligaci\u00f3n por prestaci\u00f3n definida
Saldo inicial
3.670
779
272
449
Coste de servicios corriente
4
7
13
3
Gastos o ingresos por intereses
53
84
42
10
Aportaciones de los part\u00edcipes
\u2014
\u2014
8
1
Aportaciones de la empresa
\u2014
\u2014
\u2014
\u2014
Coste por servicios pasados (1)
\u2014
1
2
3
P\u00e9rdidas / (ganancias) actuariales:
(677)
107
166
(122)
Por rendimientos de los activos del plan (2)
\u2014
\u2014
\u2014
\u2014
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
(37)
8
Por cambios en hip\u00f3tesis financieras
(643)
73
82
(132)
Otras p\u00e9rdidas / (ganancias) actuariales
(34)
34
122
2
Prestaciones pagadas
(511)
(77)
(15)
(13)
Prestaciones pagadas (liquidaciones)
\u2014
(1)
\u2014
(3)
Combinaciones de negocio y desinversiones
\u2014
\u2014
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
85
(70)
(9)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
Otros movimientos
7
\u2014
\u2014
\u2014
Saldo al final
2.546
985
418
318
Del que: Obligaciones no causadas
2.491
Del que: Obligaciones causadas
55
Activos del plan
Saldo inicial
206
655
209
424
Coste de servicios corriente
\u2014
\u2014
\u2014
\u2014
Gastos o ingresos por intereses
2
69
33
6
Aportaciones de los part\u00edcipes
\u2014
\u2014
8
1
Aportaciones de la empresa
\u2014
41
22
3
Coste por servicios pasados (1)
\u2014
\u2014
\u2014
\u2014
P\u00e9rdidas / (ganancias) actuariales:
(34)
(45)
104
(121)
Por rendimientos de los activos del plan (2)
(34)
(45)
104
(121)
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
\u2014
\u2014
Por cambios en hip\u00f3tesis financieras
\u2014
\u2014
\u2014
\u2014
Otras p\u00e9rdidas / (ganancias) actuariales
\u2014
\u2014
\u2014
\u2014
Prestaciones pagadas
(27)
(77)
(9)
(12)
Prestaciones pagadas (liquidaciones)
\u2014
(1)
\u2014
(3)
Combinaciones de negocio y desinversiones
\u2014
139
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
72
(52)
(6)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
Otros movimientos
\u2014
\u2014
\u2014
\u2014
Saldo al final
147
853
315
293
Obligaci\u00f3n (activo) neto
Saldo inicial
3.464
124
63
24
Coste de servicios corriente
4
7
13
3
Gastos o ingresos por intereses
51
14
10
4
Aportaciones de los part\u00edcipes
\u2014
\u2014
\u2014
\u2014
Aportaciones de la empresa
\u2014
(41)
(22)
(3)
Coste por servicios pasados (1)
\u2014
1
2
3
P\u00e9rdidas / (ganancias) actuariales:
(643)
152
62
(1)
Por rendimientos de los activos del plan (2)
34
45
(104)
121
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
(37)
8
Por cambios en hip\u00f3tesis financieras
(643)
73
82
(132)
Otras p\u00e9rdidas / (ganancias) actuariales
(34)
34
122
2
Prestaciones pagadas
(484)
\u2014
(6)
(1)
Prestaciones pagadas (liquidaciones)
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y desinversiones
\u2014
(139)
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
13
(18)
(3)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
Otros movimientos
7
\u2014
\u2014
\u2014
Saldo al final
2.399
132
103
25
(1) Incluye ganancias y p\u00e9rdidas por liquidaci\u00f3n.
(2) Excluidos los intereses que se reflejan en la l\u00ednea \u201cGastos o ingresos por intereses\u201d.
El movimiento neto de los compromisos para los ejercicios 2021 y 2020 es el siguiente:
Compromisos post-empleo (Millones de euros)
2021: Obligaci\u00f3n (activo) neto
2020: Obligaci\u00f3n (activo) neto
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Resto
Espa\u00f1a
M\u00e9xico
Estados
Unidos
Turqu\u00eda
Resto
Saldo inicial
4.039
28
85
27
4.326
72
52
86
38
Coste de servicios corriente
5
5
16
3
5
5
1
18
3
Gastos o ingresos por intereses
20
1
9
1
28
6
2
8
1
Aportaciones de los part\u00edcipes
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Aportaciones de la empresa
11
(2)
(11)
(1)
\u2014
(86)
\u2014
(14)
(1)
Coste por servicios pasados (1)
75
\u2014
2
2
224
(1)
\u2014
2
3
P\u00e9rdidas / (ganancias) actuariales:
(98)
128
10
(5)
95
62
(4)
18
(14)
Por rendimientos de los activos del plan (2)
8
49
(11)
19
(41)
(31)
(35)
23
(26)
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
(4)
\u2014
(2)
60
\u2014
(3)
\u2014
\u2014
Por cambios en hip\u00f3tesis financieras
(61)
84
(18)
(7)
79
(19)
34
54
17
Otras p\u00e9rdidas / (ganancias) actuariales
(45)
(2)
39
(15)
(3)
112
\u2014
(59)
(5)
Prestaciones pagadas
(599)
(1)
(6)
(1)
(643)
(1)
(2)
(6)
(1)
Prestaciones pagadas (liquidaciones)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y desinversiones
\u2014
(40)
\u2014
(2)
\u2014
(19)
(44)
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
5
(43)
1
\u2014
(10)
(5)
(26)
(4)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros movimientos
12
\u2014
\u2014
\u2014
3
\u2014
\u2014
\u2014
\u2014
Saldo al final
3.464
124
63
24
4.039
28
\u2014
85
27
(1) Incluye ganancias y p\u00e9rdidas por liquidaci\u00f3n.
(2) Excluidos los intereses que se reflejan en la l\u00ednea \u201cGastos o ingresos por intereses\u201d.
En Espa\u00f1a, la normativa establece que los compromisos por pensiones de jubilaci\u00f3n y fallecimiento deben estar cubiertos mediante
un Plan de Pensiones o mediante p\u00f3lizas de Seguros.
En las sociedades espa\u00f1olas estos compromisos se encuentran asegurados mediante p\u00f3lizas que cumplen los requisitos
establecidos por la normativa contable en cuanto a la no recuperabilidad de las aportaciones. No obstante, una parte significativa de
los aseguramientos se ha realizado con BBVA Seguros, compa\u00f1\u00eda que es parte vinculada de BBVA y consolida en los estados
financieros consolidados, por lo que no pueden considerarse \u201cActivos del plan\u201d seg\u00fan la NIC 19. Por este motivo, los compromisos
asegurados se encuentran \u00edntegramente registrados en el ep\u00edgrafe \u201cProvisiones \u2013 Pensiones y otras obligaciones de prestaciones
definidas post-empleo\u201d de los balances consolidados adjuntos (ver Nota 24), recogiendo en el activo consolidado las clases de
activos financieros relacionados con los que cuenta la aseguradora, clasificados en funci\u00f3n del instrumento financiero que
corresponda. El importe de estos activos separados asciende a 1.656 millones de euros a 31 de diciembre 2022 (2.326 y 2.572
millones de euros, a 31 de diciembre de 2021 y 2020, respectivamente) y suponen derechos directos de los empleados asegurados
que permanecen en los balances consolidados adjuntos, encontr\u00e1ndose por tanto financiados los compromisos.
Adicionalmente existen compromisos en p\u00f3lizas de seguros con compa\u00f1\u00edas aseguradoras no vinculadas al Grupo, que se presentan
en los balances consolidados adjuntos por el importe neto entre la cuant\u00eda de los compromisos menos los activos afectos a los
mismos. A 31 de diciembre de 2022, 2021 y 2020, la valoraci\u00f3n de los activos afectos a los mencionados contratos de seguro (por
importe de 147, 206 y 249 millones de euros, respectivamente) se corresponde con el importe de los compromisos a cubrir, no
figurando, por tanto, ning\u00fan importe por este concepto en los balances consolidados adjuntos.
Las pensiones para empleados de BBVA se pagan desde las compa\u00f1\u00edas aseguradoras con las que BBVA ha realizado los
aseguramientos y a las que ha pagado la totalidad de las primas. Dichas primas se establecen por las compa\u00f1\u00edas aseguradoras
utilizando t\u00e9cnicas de cashflow matching que permitan pagar las prestaciones cuando estas sean exigibles, garantizando tanto los
riesgos actuariales como los relativos a tipos de inter\u00e9s.
En M\u00e9xico existe un plan de prestaci\u00f3n definida para algunos empleados cuya fecha de ingreso es anterior a 2001. Los empleados
cuyo ingreso ha sido posterior, cuentan con un plan de aportaci\u00f3n definida. De acuerdo a la regulaci\u00f3n local, existen fondos en
fideicomisos para hacer frente al pago de las pensiones.
En 2008, el gobierno turco aprob\u00f3 una ley para unificar los diferentes sistemas de pensiones existentes bajo un \u00fanico paraguas de
Seguridad Social, y que prev\u00e9 el trasvase a la misma de los diferentes fondos constituidos. En esta situaci\u00f3n se encuentra parte del
sector financiero, que mantiene dichos compromisos de pensiones gestionados a trav\u00e9s de fondos de pensiones externos
(fundaciones) establecidas para tal fin.
La fundaci\u00f3n que mantiene los activos y pasivos correspondientes a los empleados de Garanti BBVA en Turqu\u00eda, de acuerdo a los
requisitos exigidos por la normativa local, tiene registrada una obligaci\u00f3n a 31 de diciembre de 2022 por importe de 292 millones de
euros pendiente de trasvase futuro a la Seguridad Social. Adicionalmente Garanti BBVA tiene constituido un plan de pensiones de
prestaci\u00f3n definida para los empleados, complementario a las prestaciones otorgadas por la seguridad social, que se encuentra
reflejado en el balance consolidado.
Compromisos por planes m\u00e9dicos
El movimiento de las obligaciones y los activos afectos a los compromisos para los ejercicios 2022, 2021 y 2020 se detalla a
continuaci\u00f3n:
Compromisos m\u00e9dicos (Millones de euros)
2022
2021
2020
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Saldo inicial
1.377
1.494
(116)
1.562
1.484
77
1.580
1.532
48
Coste de servicios corriente
19
\u2014
19
24
\u2014
24
21
\u2014
21
Gastos o ingresos por intereses
144
157
(14)
131
129
2
117
120
(3)
Aportaciones de los part\u00edcipes
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Aportaciones de la empresa
\u2014
\u2014
\u2014
\u2014
1
(1)
\u2014
22
(22)
Coste por servicios pasados (1)
28
\u2014
28
(5)
\u2014
(5)
(8)
\u2014
(8)
P\u00e9rdidas / (ganancias) actuariales:
(215)
(144)
(71)
(377)
(119)
(257)
95
66
30
Por rendimientos de los activos del plan (2)
\u2014
(144)
144
\u2014
(119)
119
\u2014
66
(66)
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
\u2014
(115)
\u2014
(115)
\u2014
\u2014
\u2014
Por cambios en hip\u00f3tesis financieras
(191)
\u2014
(191)
(257)
\u2014
(257)
110
\u2014
110
Otras p\u00e9rdidas / (ganancias) actuariales
(23)
\u2014
(23)
(4)
\u2014
(4)
(15)
\u2014
(15)
Prestaciones pagadas
(60)
(60)
\u2014
(49)
(48)
\u2014
(37)
(37)
\u2014
Prestaciones pagadas (liquidaciones)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y desinversiones
\u2014
(139)
139
\u2014
(39)
39
\u2014
(19)
19
Variaciones por tipos de cambio
155
167
(11)
90
86
4
(207)
(201)
(6)
Otros movimientos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Saldo al final
1.448
1.476
(28)
1.377
1.494
(116)
1.562
1.484
77
(1) Incluye ganancias y p\u00e9rdidas por liquidaci\u00f3n.
(2) Excluidos los intereses que se reflejan en la l\u00ednea de \"Gastos o ingresos por intereses\".
En M\u00e9xico existen planes m\u00e9dicos para los empleados cuya fecha de ingreso es anterior a 2007. Los empleados contratados
posteriormente cuentan con p\u00f3lizas de seguros de salud. De acuerdo a la regulaci\u00f3n local y a la pol\u00edtica del Grupo, existen fondos en
fideicomisos para hacer frente al pago de estas coberturas.
En Turqu\u00eda la cobertura de Salud correspondiente a los empleados se viene otorgando a trav\u00e9s de una fundaci\u00f3n colaboradora del
Sistema de Seguridad Social, si bien, est\u00e1 legalmente prevista la unificaci\u00f3n futura de los diversos sistemas existentes en la propia
Seguridad Social.
La valoraci\u00f3n de estos compromisos, as\u00ed como su reflejo contable, se realiza de igual forma que los compromisos por pensiones.
Distribuci\u00f3n esperada de pagos
La estimaci\u00f3n de pagos al 31 de diciembre de 2022 de las distintas prestaciones para el conjunto de sociedades en Espa\u00f1a, M\u00e9xico y
Turqu\u00eda para los pr\u00f3ximos diez a\u00f1os es la siguiente:
Prestaciones esperadas a pagar (Millones de euros)
2023
2024
2025
2026
2027
2028 - 2032
Compromisos en Espa\u00f1a
522
384
326
279
242
794
Compromisos en M\u00e9xico
159
171
180
189
198
1.148
Compromisos en Turqu\u00eda
19
16
20
24
31
265
Total
700
571
526
493
471
2.208
Activos afectos
Las sociedades del Grupo mantienen fondos externos con activos que financian la mayor parte de los planes de prestaci\u00f3n definida
del Grupo. El Grupo, de acuerdo a lo que establece la regulaci\u00f3n local, mantiene ciertos compromisos en fondos internos, que
principalmente se corresponden con prejubilaciones.
Son activos del plan afectos a los compromisos, aquellos activos con los que se liquidar\u00e1n directamente las obligaciones asumidas y
re\u00fanen las siguientes condiciones: no son propiedad de entidades del Grupo, s\u00f3lo est\u00e1n disponibles para atender los pagos por
retribuciones post-empleo y no pueden retornar al Grupo BBVA.
Para gestionar los activos relacionados con los compromisos de prestaci\u00f3n definida en todos los pa\u00edses, el Grupo BBVA tiene
establecidas unas pol\u00edticas de inversi\u00f3n dise\u00f1adas de acuerdo a los criterios de prudencia y dirigidas a minimizar los riesgos
financieros.
La pol\u00edtica de inversi\u00f3n de los planes tiene como principio la inversi\u00f3n en activos seguros y diversificados, acordes con los
vencimientos de los compromisos que permitan, junto con las aportaciones realizadas, pagar las prestaciones cuando sean exigibles
y mitigar los riesgos existentes en los planes.
En aquellos pa\u00edses con activos asociados a los planes en forma de fondos de pensiones, la estrategia de inversi\u00f3n se gestiona de
manera acorde a la regulaci\u00f3n local existente. Para el establecimiento de la asignaci\u00f3n de activos espec\u00edficos se considera tanto la
situaci\u00f3n presente de los mercados como el perfil de riesgo de los activos y su posible evoluci\u00f3n futura. En todos los casos, BBVA
considera para su selecci\u00f3n que los activos sean acordes con el vencimiento de los compromisos y con sus necesidades de liquidez a
corto plazo.
Los riesgos asociados a los compromisos son los mismos que pueden originar un d\u00e9ficit en los activos afectos por diversos factores
como una ca\u00edda en el valor de mercado de las inversiones, o un incremento del tipo de inter\u00e9s a largo plazo que disminuya el valor de
los t\u00edtulos a plazo fijo; un empeoramiento de la econom\u00eda que lleve a m\u00e1s fallidos y rebajas en la calificaci\u00f3n crediticia.
En el cuadro adjunto se detalla la composici\u00f3n por categor\u00eda de activos mantenidos por las principales sociedades del Grupo, a 31 de
diciembre de 2022, 2021 y 2020:
Composici\u00f3n de los activos de los planes (Millones de euros)
2022
2021
2020
Efectivo y equivalentes
169
24
38
Valores representativos de deuda (deuda p\u00fablica)
2.270
2.394
2.707
Fondos de inversi\u00f3n
\u2014
1
1
Valores garantizados por activos
\u2014
\u2014
\u2014
Deuda estructurada
\u2014
\u2014
\u2014
Contratos de seguros
183
148
140
Total
2.622
2.566
2.887
Del que: Cuentas bancarias en BBVA
7
3
4
Del que: Valores representativos de deuda emitidos por BBVA
\u2014
\u2014
\u2014
Del que: Inmuebles ocupados por BBVA
\u2014
\u2014
\u2014
El resto de activos se encuentran invertidos principalmente en activos de Nivel 2 de acuerdo a la clasificaci\u00f3n establecida en NIIF 13
(principalmente p\u00f3lizas de seguros). A 31 de diciembre de 2022, casi la totalidad de los activos afectos a los compromisos con
empleados correspond\u00edan a valores de renta fija.
Planes de aportaci\u00f3n definida
Algunas sociedades del Grupo cuentan con planes de aportaci\u00f3n definida, permitiendo en algunos casos que los empleados realicen
aportaciones que posteriormente complementa la sociedad.
Dichas contribuciones representan un gasto del ejercicio en el momento en que se devengan, suponiendo un cargo a las cuentas de
p\u00e9rdidas y ganancias consolidadas del ejercicio correspondiente y, por tanto, no constituyen un pasivo en los balances consolidados
adjuntos (ver Nota 44.1).
Compromisos y garant\u00edas concedidos
La composici\u00f3n del saldo de estos ep\u00edgrafes de los balances consolidados adjuntos es:
Compromisos y garant\u00edas concedidos (Millones de euros)
Notas
2022
2021
2020
Compromisos de pr\u00e9stamo concedidos
7.2.2
136.920
119.618
132.584
De los cuales: deteriorados
177
171
265
Bancos centrales
\u2014
\u2014
\u2014
Administraciones p\u00fablicas
3.031
3.483
2.919
Entidades de cr\u00e9dito
15.407
16.085
11.426
Otras sociedades financieras
5.895
4.583
5.862
Sociedades no financieras
68.120
59.475
71.011
Hogares
44.467
35.991
41.366
Garant\u00edas financieras concedidas
7.2.2
16.511
11.720
10.665
De las cuales: deteriorados (1)
281
245
290
Bancos centrales
\u2014
\u2014
1
Administraciones p\u00fablicas
96
162
132
Entidades de cr\u00e9dito
475
312
339
Otras sociedades financieras
1.263
1.026
587
Sociedades no financieras
14.541
10.039
9.376
Hogares
135
181
231
Otros compromisos concedidos
7.2.2
39.137
34.604
36.190
De las cuales: deteriorados (1)
689
541
477
Bancos centrales
\u2014
2
124
Administraciones p\u00fablicas
215
212
199
Entidades de cr\u00e9dito
4.134
4.266
5.285
Otras sociedades financieras
1.758
1.753
2.902
Sociedades no financieras
32.858
28.224
27.496
Hogares
171
147
182
Total
7.2.2
192.568
165.941
179.440
(1) El saldo de diciembre 2020 incluye saldo de sociedades del Grupo en Estados Unidos incluidas en la venta a PNC (ver Notas 3 y 21). Las garant\u00edas concedidas deterioradas
ascienden a 970, 786, y 767 millones de euros a 31 de diciembre de 2022, 2021 y 2020 respectivamente.
Los importes registrados en el pasivo del balance consolidado a 31 de diciembre de 2022 y 2021 para los compromisos de pr\u00e9stamo
concedidos, garant\u00edas financieras concedidas y otros compromisos concedidos ascendieron a 243, 175 y 353; y 272, 164 y 256
millones de euros, respectivamente (ver Nota 24).
Una parte significativa de los anteriores importes llegar\u00e1 a su vencimiento sin que se materialice ninguna obligaci\u00f3n de pago para las
sociedades consolidadas, por lo que el saldo conjunto de estos compromisos no puede ser considerado como una necesidad futura
real de financiaci\u00f3n o liquidez a conceder a terceros por el Grupo BBVA.
Durante los ejercicios 2022, 2021 y 2020, ninguna sociedad del Grupo BBVA ha garantizado emisiones de valores representativos de
deuda emitidas por entidades asociadas, negocios conjuntos o entidades ajenas al Grupo.
", "dimensions": { "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80MjcvZnJhZzo1MzliYTNlNDVmYWY0ODU2OTM4YTZmYmRlMmY2MWQ0OC90ZXh0cmVnaW9uOjUzOWJhM2U0NWZhZjQ4NTY5MzhhNmZiZGUyZjYxZDQ4XzQyMzMxMTk3Njc1MDAz_77f79320-0a93-448e-9fb0-22e9ace82578": { "value": "Retribuciones post-empleo y otros compromisos con empleados
Como se describe en la Nota 2.2.11, las entidades del Grupo tienen asumidos compromisos con los empleados que incluyen
retribuciones a corto plazo (ver Nota 44.1), planes de aportaci\u00f3n definida y de prestaci\u00f3n definida (ver Glosario), compromisos por
planes m\u00e9dicos con sus empleados, as\u00ed como otras retribuciones a largo plazo.
El Grupo financia planes de aportaci\u00f3n definida para la mayor\u00eda de los empleados en activo, siendo los m\u00e1s significativos los planes
existentes en Espa\u00f1a y M\u00e9xico. La mayor parte de los planes de prestaci\u00f3n definida corresponden a personal jubilado, los cuales se
encuentran cerrados a nuevas incorporaciones, siendo Espa\u00f1a, M\u00e9xico y Turqu\u00eda los pa\u00edses que concentran la mayor parte de
compromisos. El Grupo tambi\u00e9n mantiene en M\u00e9xico compromisos por planes m\u00e9dicos para un colectivo cerrado de empleados y
familiares, tanto para el periodo activo como una vez jubilado.
El desglose de los pasivos registrados en los balances consolidados a 31 de diciembre de 2022, 2021 y 2020, que corresponden
\u00fanicamente a los compromisos de prestaci\u00f3n definida, se muestra a continuaci\u00f3n:
Pasivo (activo) neto en el balance consolidado (Millones de euros)
Notas
2022
2021
2020
Obligaciones por pensiones
3.661
4.218
4.539
Obligaciones por prejubilaciones
606
952
1.247
Obligaciones por planes m\u00e9dicos
1.448
1.377
1.562
Otras retribuciones a largo plazo
466
632
49
Total obligaciones
6.181
7.180
7.398
Activos afectos a planes por pensiones
1.608
1.494
1.608
Activos afectos a planes m\u00e9dicos
1.476
1.494
1.484
Total activos afectos (1)
3.084
2.988
3.092
Total pasivo / activo neto
3.097
4.193
4.305
De los que: Activos netos en el balance consolidado (2)
(1)
(15)
(16)
De los que: Pasivos netos en el balance consolidado por obligaciones por
pensiones, prejubilaciones y planes m\u00e9dicos (3)
24
2.632
3.576
4.272
De los que: Pasivos netos en el balance consolidado por otras retribuciones a
largo plazo (4)
24
466
632
49
(1) Para Turqu\u00eda, la fundaci\u00f3n que gestiona los compromisos mantiene un activo adicional de 188 millones de euros a 31 de diciembre de 2022 que no ha sido reflejado en las
Cuentas Anuales consolidadas, de acuerdo con la normativa NIIF-UE sobre el l\u00edmite del activo, ya que, si bien puede ser utilizado para rebajar futuras contribuciones para
pensiones, no puede ser recuperado de forma inmediata.
(2) Registrados en el ep\u00edgrafe \"Otros activos\" de los balances consolidados (ver Nota 20).
(3) Registrados en el ep\u00edgrafe \"Provisiones- Pensiones y otras obligaciones de prestaciones definidas post-empleo\" de los balances consolidados.
(4) Registrados en el ep\u00edgrafe \"Provisiones-Otras retribuciones a los empleados a largo plazo\" de los balances consolidados. La variaci\u00f3n en 2021 se explica principalmente por el
procedimiento de despido colectivo que se ha llevado a cabo en Banco Bilbao Vizcaya Argentaria, S.A.
A continuaci\u00f3n se presentan los costes registrados por compromisos post-empleo en las cuentas de p\u00e9rdidas y ganancias
consolidadas de los ejercicios 2022, 2021 y 2020:
Efectos en cuentas de p\u00e9rdidas y ganancias consolidadas (Millones de euros)
Notas
2022
2021
2020
Ingresos y gastos por intereses
75
37
44
Gastos por intereses
342
257
265
Ingresos por intereses y otros ingresos similares
(267)
(220)
(220)
Gastos de personal
130
120
121
Contribuciones a fondos de pensiones de aportaci\u00f3n definida
44.1
87
71
72
Dotaciones a planes por pensiones de prestaci\u00f3n definida
44.1
43
49
49
Provisiones o reversi\u00f3n de provisiones
46
(89)
61
210
Coste por prejubilaciones del ejercicio
\u2014
100
224
Coste de servicios pasados
34
(28)
(8)
P\u00e9rdidas / ganancias actuariales (1)
(126)
(16)
(11)
Resto de provisiones
3
6
4
Total efecto en las cuentas de p\u00e9rdidas y ganancias consolidadas: cargos
(abonos)
116
218
375
(1) Corresponden a las mediciones de la obligaci\u00f3n neta por prestaciones definidas surgidas por prejubilaciones y otras retribuciones a largo plazo que se registran con cargo a
resultados (ver Nota 2.2.12).
Los costes registrados por compromisos post-empleo en el patrimonio neto consolidados corresponden a la actualizaci\u00f3n de la
valoraci\u00f3n de la obligaci\u00f3n neta por prestaciones definidas surgidas por compromisos por pensiones y planes m\u00e9dicos antes de su
efecto fiscal de los ejercicios 2022, 2021 y 2020 se muestran a continuaci\u00f3n:
Efectos en el patrimonio neto consolidado (Millones de euros)
2022
2021
2020
Planes por pensiones de prestaci\u00f3n definida
(363)
52
161
Planes m\u00e9dicos de prestaci\u00f3n definida
(71)
(257)
30
Total efecto en el patrimonio neto consolidado: cargos (abonos)
(433)
(206)
191
En el ejercicio 2022, el importe agregado de dicha partida supuso un abono de 433 millones de euros, que se explica principalmente
por la variaci\u00f3n en hip\u00f3tesis financieras, ganancias de 558 millones de euros por los compromisos en Espa\u00f1a, y p\u00e9rdidas de 72
millones de euros por los compromisos en M\u00e9xico. Los importes anteriores se compensan por otros efectos menores de experiencia
actuarial en estas mismas \u00e1reas geogr\u00e1ficas y efectos financieros, demogr\u00e1ficos y de experiencia en otras \u00e1reas geogr\u00e1ficas.
En el ejercicio 2021, el importe agregado de dicha partida supuso un abono de 206 millones de euros, que se explica principalmente
por la variaci\u00f3n en hip\u00f3tesis financieras, ganancias de 171 millones de euros por los compromisos en M\u00e9xico, y 55 millones de euros
por los compromisos en Espa\u00f1a. Los importes anteriores se compensan por otras geograf\u00edas y efectos demogr\u00e1ficos y de
experiencia.
En el ejercicio 2020, el importe agregado de dicha partida ascendi\u00f3 a un cargo de 191 millones de euros, explicado principalmente por
la variaci\u00f3n en el tipo de inter\u00e9s, p\u00e9rdidas de 91 millones de euros por los compromisos en M\u00e9xico y de 68 millones de euros por los
compromisos en Espa\u00f1a, y en menor medida por actualizaci\u00f3n de las tablas de mortalidad en Espa\u00f1a (p\u00e9rdidas de 49 millones de
euros). Los importes anteriores se reducen por efectos en otras \u00e1reas geogr\u00e1ficas y experiencia.
Planes de prestaci\u00f3n definida
Los compromisos incluidos en estos planes corresponden principalmente a personal jubilado o prejubilado del Grupo, a colectivos
cerrados de empleados a\u00fan en activo para el caso de jubilaci\u00f3n y a la mayor\u00eda de los empleados para los compromisos de incapacidad
laboral permanente y fallecimiento en activo. Para estos \u00faltimos, el Grupo desembolsa las primas exigidas para su total
aseguramiento. El movimiento de los compromisos para los ejercicios 2022, 2021 y 2020 se detalla a continuaci\u00f3n:
.
Compromisos de prestaci\u00f3n definida (Millones de euros)
2022
2021
2020
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Saldo inicial
6.547
2.988
3.560
7.348
3.092
4.256
8.116
3.493
4.622
Coste de servicios corriente
45
\u2014
45
53
\u2014
53
53
\u2014
53
Gastos o ingresos por intereses
333
267
65
253
220
33
261
219
42
Aportaciones de los part\u00edcipes
10
10
\u2014
5
5
\u2014
4
4
\u2014
Aportaciones de la empresa
\u2014
67
(67)
\u2014
4
(4)
\u2014
124
(124)
Coste por servicios pasados (1)
34
\u2014
34
75
\u2014
75
219
\u2014
219
P\u00e9rdidas / (ganancias)
actuariales:
(741)
(240)
(501)
(406)
(184)
(223)
364
176
187
Por rendimientos de los
activos del plan (2)
\u2014
(240)
240
\u2014
(184)
184
\u2014
176
(176)
Por cambios en hip\u00f3tesis
demogr\u00e1ficas
(29)
\u2014
(29)
(121)
\u2014
(121)
57
\u2014
57
Por cambios en hip\u00f3tesis
financieras
(812)
\u2014
(812)
(259)
\u2014
(259)
276
\u2014
276
Otras p\u00e9rdidas / (ganancias)
actuariales
100
\u2014
100
(27)
\u2014
(27)
30
\u2014
30
Prestaciones pagadas
(676)
(184)
(492)
(765)
(158)
(608)
(839)
(185)
(654)
Prestaciones pagadas
(liquidaciones)
(4)
(4)
\u2014
(1)
(1)
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y
desinversiones (3)
\u2014
\u2014
\u2014
(2)
1
(3)
(371)
(327)
(44)
Variaciones por tipos de cambio
161
180
(20)
(24)
8
(32)
(459)
(409)
(50)
Transformaci\u00f3n a aportaci\u00f3n
definida
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros movimientos
7
\u2014
7
13
\u2014
13
1
(3)
4
Saldo al final
5.715
3.084
2.631
6.547
2.988
3.560
7.348
3.092
4.256
Del que: Espa\u00f1a
2.546
147
2.399
3.670
206
3.464
4.288
249
4.039
Del que: M\u00e9xico
2.426
2.329
97
2.150
2.149
1
2.219
2.122
97
Del que: Estados Unidos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Del que: Turqu\u00eda
418
315
103
272
209
63
367
282
85
Para Espa\u00f1a, el tipo de descuento mostrado a 31 de diciembre de 2022, se corresponde con el tipo promedio ponderado, siendo los
tipos de descuento utilizados el 3,75 % y el 4 % en funci\u00f3n del tipo de compromiso.
Los tipos de descuento utilizados para actualizar los flujos futuros se han determinado tomando como referencia bonos corporativos
de alta calidad (ver Nota 2.2.12) de cada una de las divisas (zona euro para el caso de Espa\u00f1a y peso mexicano para M\u00e9xico) y bono
gubernamental en lira turca para el caso de Turqu\u00eda.
El rendimiento esperado de los activos del Plan se corresponde con el tipo de descuento establecido.
Las edades de jubilaci\u00f3n para los compromisos se determinan a la primera fecha en la que se tenga derecho a la jubilaci\u00f3n, la pactada
contractualmente en el caso de las prejubilaciones o mediante la utilizaci\u00f3n de tasas de jubilaci\u00f3n.
Las variaciones de las principales hip\u00f3tesis pueden afectar al c\u00e1lculo de los compromisos. A continuaci\u00f3n se muestra un cuadro de
sensibilidades con el efecto que producir\u00eda en las obligaciones una variaci\u00f3n en las hip\u00f3tesis principales:
An\u00e1lisis de sensibilidad (Millones de euros)
Variaci\u00f3n en
puntos b\u00e1sicos
2022
2021
2020
Incremento
Decremento
Incremento
Decremento
Incremento
Decremento
Tipo de descuento
50
(321)
350
(282)
307
(354)
390
Tasa de crecimiento de salarios
50
1
(1)
2
(2)
4
(4)
Tasa de crecimiento de las pensiones
50
32
(39)
28
(26)
29
(27)
Tasa de tendencia en el crecimiento de
costes m\u00e9dicos
50
119
(106)
109
(98)
145
(129)
Incremento en la obligaci\u00f3n por a\u00f1o de
longevidad
113
\u2014
170
\u2014
211
\u2014
Las sensibilidades se han determinado a la fecha de los estados financieros consolidados, y se corresponden con la variaci\u00f3n
individual de cada una de las hip\u00f3tesis manteniendo constante el resto, por lo que excluyen posibles efectos combinados.
Adem\u00e1s de los compromisos anteriores, el Grupo mantiene otras retribuciones a largo plazo de menor relevancia econ\u00f3mica, que
mayoritariamente corresponden a premios por antig\u00fcedad consistentes en la entrega de una cuant\u00eda establecida o unos d\u00edas de
vacaciones que se disfrutar\u00e1n cuando los empleados cumplan un determinado n\u00famero de a\u00f1os de prestaci\u00f3n de servicios efectivos.
Adicionalmente, en el a\u00f1o 2021 inclu\u00eda un fondo relacionado con el procedimiento de despido colectivo que se llev\u00f3 a cabo en Banco
Bilbao Vizcaya Argentaria, S.A. A 31 de diciembre de 2022, 2021 y 2020 el valor de estos compromisos ascend\u00eda a 466, 632 y 49
millones de euros, respectivamente. Los anteriores importes se encuentran registrados en el ep\u00edgrafe \u201cProvisiones \u2013 Otras
retribuciones a los empleados a largo plazo\u201d de los balances consolidados adjuntos (ver Nota 24).
Compromisos post-empleo y otras obligaciones similares
Los compromisos corresponden mayoritariamente a pensiones en pago determinadas en base al salario y a los a\u00f1os de servicio. En la
mayor parte de los planes, los pagos se originan por jubilaci\u00f3n, fallecimiento e incapacidad laboral del empleado.
Adicionalmente, las sociedades espa\u00f1olas del Grupo ofrecieron a determinados empleados en los ejercicios 2021 y 2020 la
posibilidad de jubilarse o prejubilarse con anterioridad a la edad de jubilaci\u00f3n establecida en el convenio colectivo laboral vigente,
oferta que fue aceptada por 432 y 781 empleados, respectivamente (0 empleados en 2022). Estos compromisos incluyen tanto las
retribuciones como las aportaciones a los fondos externos de pensiones a pagar durante el periodo de prejubilaci\u00f3n. A 31 de
diciembre de 2022, 2021 y 2020 el valor de estos compromisos ascend\u00eda a 606, 952 y 1.247 millones de euros, respectivamente.
El movimiento de las obligaciones y los activos afectos a los compromisos para el ejercicio 2022 es el siguiente:
Compromisos post-empleo 2022 (Millones de euros)
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Resto
Obligaci\u00f3n por prestaci\u00f3n definida
Saldo inicial
3.670
779
272
449
Coste de servicios corriente
4
7
13
3
Gastos o ingresos por intereses
53
84
42
10
Aportaciones de los part\u00edcipes
\u2014
\u2014
8
1
Aportaciones de la empresa
\u2014
\u2014
\u2014
\u2014
Coste por servicios pasados (1)
\u2014
1
2
3
P\u00e9rdidas / (ganancias) actuariales:
(677)
107
166
(122)
Por rendimientos de los activos del plan (2)
\u2014
\u2014
\u2014
\u2014
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
(37)
8
Por cambios en hip\u00f3tesis financieras
(643)
73
82
(132)
Otras p\u00e9rdidas / (ganancias) actuariales
(34)
34
122
2
Prestaciones pagadas
(511)
(77)
(15)
(13)
Prestaciones pagadas (liquidaciones)
\u2014
(1)
\u2014
(3)
Combinaciones de negocio y desinversiones
\u2014
\u2014
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
85
(70)
(9)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
Otros movimientos
7
\u2014
\u2014
\u2014
Saldo al final
2.546
985
418
318
Del que: Obligaciones no causadas
2.491
Del que: Obligaciones causadas
55
Activos del plan
Saldo inicial
206
655
209
424
Coste de servicios corriente
\u2014
\u2014
\u2014
\u2014
Gastos o ingresos por intereses
2
69
33
6
Aportaciones de los part\u00edcipes
\u2014
\u2014
8
1
Aportaciones de la empresa
\u2014
41
22
3
Coste por servicios pasados (1)
\u2014
\u2014
\u2014
\u2014
P\u00e9rdidas / (ganancias) actuariales:
(34)
(45)
104
(121)
Por rendimientos de los activos del plan (2)
(34)
(45)
104
(121)
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
\u2014
\u2014
Por cambios en hip\u00f3tesis financieras
\u2014
\u2014
\u2014
\u2014
Otras p\u00e9rdidas / (ganancias) actuariales
\u2014
\u2014
\u2014
\u2014
Prestaciones pagadas
(27)
(77)
(9)
(12)
Prestaciones pagadas (liquidaciones)
\u2014
(1)
\u2014
(3)
Combinaciones de negocio y desinversiones
\u2014
139
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
72
(52)
(6)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
Otros movimientos
\u2014
\u2014
\u2014
\u2014
Saldo al final
147
853
315
293
Obligaci\u00f3n (activo) neto
Saldo inicial
3.464
124
63
24
Coste de servicios corriente
4
7
13
3
Gastos o ingresos por intereses
51
14
10
4
Aportaciones de los part\u00edcipes
\u2014
\u2014
\u2014
\u2014
Aportaciones de la empresa
\u2014
(41)
(22)
(3)
Coste por servicios pasados (1)
\u2014
1
2
3
P\u00e9rdidas / (ganancias) actuariales:
(643)
152
62
(1)
Por rendimientos de los activos del plan (2)
34
45
(104)
121
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
(37)
8
Por cambios en hip\u00f3tesis financieras
(643)
73
82
(132)
Otras p\u00e9rdidas / (ganancias) actuariales
(34)
34
122
2
Prestaciones pagadas
(484)
\u2014
(6)
(1)
Prestaciones pagadas (liquidaciones)
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y desinversiones
\u2014
(139)
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
13
(18)
(3)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
Otros movimientos
7
\u2014
\u2014
\u2014
Saldo al final
2.399
132
103
25
(1) Incluye ganancias y p\u00e9rdidas por liquidaci\u00f3n.
(2) Excluidos los intereses que se reflejan en la l\u00ednea \u201cGastos o ingresos por intereses\u201d.
El movimiento neto de los compromisos para los ejercicios 2021 y 2020 es el siguiente:
Compromisos post-empleo (Millones de euros)
2021: Obligaci\u00f3n (activo) neto
2020: Obligaci\u00f3n (activo) neto
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Resto
Espa\u00f1a
M\u00e9xico
Estados
Unidos
Turqu\u00eda
Resto
Saldo inicial
4.039
28
85
27
4.326
72
52
86
38
Coste de servicios corriente
5
5
16
3
5
5
1
18
3
Gastos o ingresos por intereses
20
1
9
1
28
6
2
8
1
Aportaciones de los part\u00edcipes
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Aportaciones de la empresa
11
(2)
(11)
(1)
\u2014
(86)
\u2014
(14)
(1)
Coste por servicios pasados (1)
75
\u2014
2
2
224
(1)
\u2014
2
3
P\u00e9rdidas / (ganancias) actuariales:
(98)
128
10
(5)
95
62
(4)
18
(14)
Por rendimientos de los activos del plan (2)
8
49
(11)
19
(41)
(31)
(35)
23
(26)
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
(4)
\u2014
(2)
60
\u2014
(3)
\u2014
\u2014
Por cambios en hip\u00f3tesis financieras
(61)
84
(18)
(7)
79
(19)
34
54
17
Otras p\u00e9rdidas / (ganancias) actuariales
(45)
(2)
39
(15)
(3)
112
\u2014
(59)
(5)
Prestaciones pagadas
(599)
(1)
(6)
(1)
(643)
(1)
(2)
(6)
(1)
Prestaciones pagadas (liquidaciones)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y desinversiones
\u2014
(40)
\u2014
(2)
\u2014
(19)
(44)
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
5
(43)
1
\u2014
(10)
(5)
(26)
(4)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros movimientos
12
\u2014
\u2014
\u2014
3
\u2014
\u2014
\u2014
\u2014
Saldo al final
3.464
124
63
24
4.039
28
\u2014
85
27
(1) Incluye ganancias y p\u00e9rdidas por liquidaci\u00f3n.
(2) Excluidos los intereses que se reflejan en la l\u00ednea \u201cGastos o ingresos por intereses\u201d.
En Espa\u00f1a, la normativa establece que los compromisos por pensiones de jubilaci\u00f3n y fallecimiento deben estar cubiertos mediante
un Plan de Pensiones o mediante p\u00f3lizas de Seguros.
En las sociedades espa\u00f1olas estos compromisos se encuentran asegurados mediante p\u00f3lizas que cumplen los requisitos
establecidos por la normativa contable en cuanto a la no recuperabilidad de las aportaciones. No obstante, una parte significativa de
los aseguramientos se ha realizado con BBVA Seguros, compa\u00f1\u00eda que es parte vinculada de BBVA y consolida en los estados
financieros consolidados, por lo que no pueden considerarse \u201cActivos del plan\u201d seg\u00fan la NIC 19. Por este motivo, los compromisos
asegurados se encuentran \u00edntegramente registrados en el ep\u00edgrafe \u201cProvisiones \u2013 Pensiones y otras obligaciones de prestaciones
definidas post-empleo\u201d de los balances consolidados adjuntos (ver Nota 24), recogiendo en el activo consolidado las clases de
activos financieros relacionados con los que cuenta la aseguradora, clasificados en funci\u00f3n del instrumento financiero que
corresponda. El importe de estos activos separados asciende a 1.656 millones de euros a 31 de diciembre 2022 (2.326 y 2.572
millones de euros, a 31 de diciembre de 2021 y 2020, respectivamente) y suponen derechos directos de los empleados asegurados
que permanecen en los balances consolidados adjuntos, encontr\u00e1ndose por tanto financiados los compromisos.
Adicionalmente existen compromisos en p\u00f3lizas de seguros con compa\u00f1\u00edas aseguradoras no vinculadas al Grupo, que se presentan
en los balances consolidados adjuntos por el importe neto entre la cuant\u00eda de los compromisos menos los activos afectos a los
mismos. A 31 de diciembre de 2022, 2021 y 2020, la valoraci\u00f3n de los activos afectos a los mencionados contratos de seguro (por
importe de 147, 206 y 249 millones de euros, respectivamente) se corresponde con el importe de los compromisos a cubrir, no
figurando, por tanto, ning\u00fan importe por este concepto en los balances consolidados adjuntos.
Las pensiones para empleados de BBVA se pagan desde las compa\u00f1\u00edas aseguradoras con las que BBVA ha realizado los
aseguramientos y a las que ha pagado la totalidad de las primas. Dichas primas se establecen por las compa\u00f1\u00edas aseguradoras
utilizando t\u00e9cnicas de cashflow matching que permitan pagar las prestaciones cuando estas sean exigibles, garantizando tanto los
riesgos actuariales como los relativos a tipos de inter\u00e9s.
En M\u00e9xico existe un plan de prestaci\u00f3n definida para algunos empleados cuya fecha de ingreso es anterior a 2001. Los empleados
cuyo ingreso ha sido posterior, cuentan con un plan de aportaci\u00f3n definida. De acuerdo a la regulaci\u00f3n local, existen fondos en
fideicomisos para hacer frente al pago de las pensiones.
En 2008, el gobierno turco aprob\u00f3 una ley para unificar los diferentes sistemas de pensiones existentes bajo un \u00fanico paraguas de
Seguridad Social, y que prev\u00e9 el trasvase a la misma de los diferentes fondos constituidos. En esta situaci\u00f3n se encuentra parte del
sector financiero, que mantiene dichos compromisos de pensiones gestionados a trav\u00e9s de fondos de pensiones externos
(fundaciones) establecidas para tal fin.
La fundaci\u00f3n que mantiene los activos y pasivos correspondientes a los empleados de Garanti BBVA en Turqu\u00eda, de acuerdo a los
requisitos exigidos por la normativa local, tiene registrada una obligaci\u00f3n a 31 de diciembre de 2022 por importe de 292 millones de
euros pendiente de trasvase futuro a la Seguridad Social. Adicionalmente Garanti BBVA tiene constituido un plan de pensiones de
prestaci\u00f3n definida para los empleados, complementario a las prestaciones otorgadas por la seguridad social, que se encuentra
reflejado en el balance consolidado.
Compromisos por planes m\u00e9dicos
El movimiento de las obligaciones y los activos afectos a los compromisos para los ejercicios 2022, 2021 y 2020 se detalla a
continuaci\u00f3n:
Compromisos m\u00e9dicos (Millones de euros)
2022
2021
2020
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Saldo inicial
1.377
1.494
(116)
1.562
1.484
77
1.580
1.532
48
Coste de servicios corriente
19
\u2014
19
24
\u2014
24
21
\u2014
21
Gastos o ingresos por intereses
144
157
(14)
131
129
2
117
120
(3)
Aportaciones de los part\u00edcipes
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Aportaciones de la empresa
\u2014
\u2014
\u2014
\u2014
1
(1)
\u2014
22
(22)
Coste por servicios pasados (1)
28
\u2014
28
(5)
\u2014
(5)
(8)
\u2014
(8)
P\u00e9rdidas / (ganancias) actuariales:
(215)
(144)
(71)
(377)
(119)
(257)
95
66
30
Por rendimientos de los activos del plan (2)
\u2014
(144)
144
\u2014
(119)
119
\u2014
66
(66)
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
\u2014
(115)
\u2014
(115)
\u2014
\u2014
\u2014
Por cambios en hip\u00f3tesis financieras
(191)
\u2014
(191)
(257)
\u2014
(257)
110
\u2014
110
Otras p\u00e9rdidas / (ganancias) actuariales
(23)
\u2014
(23)
(4)
\u2014
(4)
(15)
\u2014
(15)
Prestaciones pagadas
(60)
(60)
\u2014
(49)
(48)
\u2014
(37)
(37)
\u2014
Prestaciones pagadas (liquidaciones)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y desinversiones
\u2014
(139)
139
\u2014
(39)
39
\u2014
(19)
19
Variaciones por tipos de cambio
155
167
(11)
90
86
4
(207)
(201)
(6)
Otros movimientos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Saldo al final
1.448
1.476
(28)
1.377
1.494
(116)
1.562
1.484
77
(1) Incluye ganancias y p\u00e9rdidas por liquidaci\u00f3n.
(2) Excluidos los intereses que se reflejan en la l\u00ednea de \"Gastos o ingresos por intereses\".
En M\u00e9xico existen planes m\u00e9dicos para los empleados cuya fecha de ingreso es anterior a 2007. Los empleados contratados
posteriormente cuentan con p\u00f3lizas de seguros de salud. De acuerdo a la regulaci\u00f3n local y a la pol\u00edtica del Grupo, existen fondos en
fideicomisos para hacer frente al pago de estas coberturas.
En Turqu\u00eda la cobertura de Salud correspondiente a los empleados se viene otorgando a trav\u00e9s de una fundaci\u00f3n colaboradora del
Sistema de Seguridad Social, si bien, est\u00e1 legalmente prevista la unificaci\u00f3n futura de los diversos sistemas existentes en la propia
Seguridad Social.
La valoraci\u00f3n de estos compromisos, as\u00ed como su reflejo contable, se realiza de igual forma que los compromisos por pensiones.
Distribuci\u00f3n esperada de pagos
La estimaci\u00f3n de pagos al 31 de diciembre de 2022 de las distintas prestaciones para el conjunto de sociedades en Espa\u00f1a, M\u00e9xico y
Turqu\u00eda para los pr\u00f3ximos diez a\u00f1os es la siguiente:
Prestaciones esperadas a pagar (Millones de euros)
2023
2024
2025
2026
2027
2028 - 2032
Compromisos en Espa\u00f1a
522
384
326
279
242
794
Compromisos en M\u00e9xico
159
171
180
189
198
1.148
Compromisos en Turqu\u00eda
19
16
20
24
31
265
Total
700
571
526
493
471
2.208
Activos afectos
Las sociedades del Grupo mantienen fondos externos con activos que financian la mayor parte de los planes de prestaci\u00f3n definida
del Grupo. El Grupo, de acuerdo a lo que establece la regulaci\u00f3n local, mantiene ciertos compromisos en fondos internos, que
principalmente se corresponden con prejubilaciones.
Son activos del plan afectos a los compromisos, aquellos activos con los que se liquidar\u00e1n directamente las obligaciones asumidas y
re\u00fanen las siguientes condiciones: no son propiedad de entidades del Grupo, s\u00f3lo est\u00e1n disponibles para atender los pagos por
retribuciones post-empleo y no pueden retornar al Grupo BBVA.
Para gestionar los activos relacionados con los compromisos de prestaci\u00f3n definida en todos los pa\u00edses, el Grupo BBVA tiene
establecidas unas pol\u00edticas de inversi\u00f3n dise\u00f1adas de acuerdo a los criterios de prudencia y dirigidas a minimizar los riesgos
financieros.
La pol\u00edtica de inversi\u00f3n de los planes tiene como principio la inversi\u00f3n en activos seguros y diversificados, acordes con los
vencimientos de los compromisos que permitan, junto con las aportaciones realizadas, pagar las prestaciones cuando sean exigibles
y mitigar los riesgos existentes en los planes.
En aquellos pa\u00edses con activos asociados a los planes en forma de fondos de pensiones, la estrategia de inversi\u00f3n se gestiona de
manera acorde a la regulaci\u00f3n local existente. Para el establecimiento de la asignaci\u00f3n de activos espec\u00edficos se considera tanto la
situaci\u00f3n presente de los mercados como el perfil de riesgo de los activos y su posible evoluci\u00f3n futura. En todos los casos, BBVA
considera para su selecci\u00f3n que los activos sean acordes con el vencimiento de los compromisos y con sus necesidades de liquidez a
corto plazo.
Los riesgos asociados a los compromisos son los mismos que pueden originar un d\u00e9ficit en los activos afectos por diversos factores
como una ca\u00edda en el valor de mercado de las inversiones, o un incremento del tipo de inter\u00e9s a largo plazo que disminuya el valor de
los t\u00edtulos a plazo fijo; un empeoramiento de la econom\u00eda que lleve a m\u00e1s fallidos y rebajas en la calificaci\u00f3n crediticia.
En el cuadro adjunto se detalla la composici\u00f3n por categor\u00eda de activos mantenidos por las principales sociedades del Grupo, a 31 de
diciembre de 2022, 2021 y 2020:
Composici\u00f3n de los activos de los planes (Millones de euros)
2022
2021
2020
Efectivo y equivalentes
169
24
38
Valores representativos de deuda (deuda p\u00fablica)
2.270
2.394
2.707
Fondos de inversi\u00f3n
\u2014
1
1
Valores garantizados por activos
\u2014
\u2014
\u2014
Deuda estructurada
\u2014
\u2014
\u2014
Contratos de seguros
183
148
140
Total
2.622
2.566
2.887
Del que: Cuentas bancarias en BBVA
7
3
4
Del que: Valores representativos de deuda emitidos por BBVA
\u2014
\u2014
\u2014
Del que: Inmuebles ocupados por BBVA
\u2014
\u2014
\u2014
El resto de activos se encuentran invertidos principalmente en activos de Nivel 2 de acuerdo a la clasificaci\u00f3n establecida en NIIF 13
(principalmente p\u00f3lizas de seguros). A 31 de diciembre de 2022, casi la totalidad de los activos afectos a los compromisos con
empleados correspond\u00edan a valores de renta fija.
Planes de aportaci\u00f3n definida
Algunas sociedades del Grupo cuentan con planes de aportaci\u00f3n definida, permitiendo en algunos casos que los empleados realicen
aportaciones que posteriormente complementa la sociedad.
Dichas contribuciones representan un gasto del ejercicio en el momento en que se devengan, suponiendo un cargo a las cuentas de
p\u00e9rdidas y ganancias consolidadas del ejercicio correspondiente y, por tanto, no constituyen un pasivo en los balances consolidados
adjuntos (ver Nota 44.1).
Compromisos y garant\u00edas concedidos
La composici\u00f3n del saldo de estos ep\u00edgrafes de los balances consolidados adjuntos es:
Compromisos y garant\u00edas concedidos (Millones de euros)
Notas
2022
2021
2020
Compromisos de pr\u00e9stamo concedidos
7.2.2
136.920
119.618
132.584
De los cuales: deteriorados
177
171
265
Bancos centrales
\u2014
\u2014
\u2014
Administraciones p\u00fablicas
3.031
3.483
2.919
Entidades de cr\u00e9dito
15.407
16.085
11.426
Otras sociedades financieras
5.895
4.583
5.862
Sociedades no financieras
68.120
59.475
71.011
Hogares
44.467
35.991
41.366
Garant\u00edas financieras concedidas
7.2.2
16.511
11.720
10.665
De las cuales: deteriorados (1)
281
245
290
Bancos centrales
\u2014
\u2014
1
Administraciones p\u00fablicas
96
162
132
Entidades de cr\u00e9dito
475
312
339
Otras sociedades financieras
1.263
1.026
587
Sociedades no financieras
14.541
10.039
9.376
Hogares
135
181
231
Otros compromisos concedidos
7.2.2
39.137
34.604
36.190
De las cuales: deteriorados (1)
689
541
477
Bancos centrales
\u2014
2
124
Administraciones p\u00fablicas
215
212
199
Entidades de cr\u00e9dito
4.134
4.266
5.285
Otras sociedades financieras
1.758
1.753
2.902
Sociedades no financieras
32.858
28.224
27.496
Hogares
171
147
182
Total
7.2.2
192.568
165.941
179.440
(1) El saldo de diciembre 2020 incluye saldo de sociedades del Grupo en Estados Unidos incluidas en la venta a PNC (ver Notas 3 y 21). Las garant\u00edas concedidas deterioradas
ascienden a 970, 786, y 767 millones de euros a 31 de diciembre de 2022, 2021 y 2020 respectivamente.
Los importes registrados en el pasivo del balance consolidado a 31 de diciembre de 2022 y 2021 para los compromisos de pr\u00e9stamo
concedidos, garant\u00edas financieras concedidas y otros compromisos concedidos ascendieron a 243, 175 y 353; y 272, 164 y 256
millones de euros, respectivamente (ver Nota 24).
Una parte significativa de los anteriores importes llegar\u00e1 a su vencimiento sin que se materialice ninguna obligaci\u00f3n de pago para las
sociedades consolidadas, por lo que el saldo conjunto de estos compromisos no puede ser considerado como una necesidad futura
real de financiaci\u00f3n o liquidez a conceder a terceros por el Grupo BBVA.
Durante los ejercicios 2022, 2021 y 2020, ninguna sociedad del Grupo BBVA ha garantizado emisiones de valores representativos de
deuda emitidas por entidades asociadas, negocios conjuntos o entidades ajenas al Grupo.
Otros activos y pasivos contingentes
A 31 de diciembre de 2022, 2021 y 2020 no exist\u00edan activos y pasivos contingentes por importes significativos distintos de los
mencionados en estas Notas.
", "dimensions": { "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80MjcvZnJhZzo1MzliYTNlNDVmYWY0ODU2OTM4YTZmYmRlMmY2MWQ0OC90ZXh0cmVnaW9uOjUzOWJhM2U0NWZhZjQ4NTY5MzhhNmZiZGUyZjYxZDQ4XzQyMzMxMTk3Njc1MDAz_c6d1311f-81f0-484a-8124-9cab80f79a1e": { "value": "Retribuciones post-empleo y otros compromisos con empleados
Como se describe en la Nota 2.2.11, las entidades del Grupo tienen asumidos compromisos con los empleados que incluyen
retribuciones a corto plazo (ver Nota 44.1), planes de aportaci\u00f3n definida y de prestaci\u00f3n definida (ver Glosario), compromisos por
planes m\u00e9dicos con sus empleados, as\u00ed como otras retribuciones a largo plazo.
El Grupo financia planes de aportaci\u00f3n definida para la mayor\u00eda de los empleados en activo, siendo los m\u00e1s significativos los planes
existentes en Espa\u00f1a y M\u00e9xico. La mayor parte de los planes de prestaci\u00f3n definida corresponden a personal jubilado, los cuales se
encuentran cerrados a nuevas incorporaciones, siendo Espa\u00f1a, M\u00e9xico y Turqu\u00eda los pa\u00edses que concentran la mayor parte de
compromisos. El Grupo tambi\u00e9n mantiene en M\u00e9xico compromisos por planes m\u00e9dicos para un colectivo cerrado de empleados y
familiares, tanto para el periodo activo como una vez jubilado.
El desglose de los pasivos registrados en los balances consolidados a 31 de diciembre de 2022, 2021 y 2020, que corresponden
\u00fanicamente a los compromisos de prestaci\u00f3n definida, se muestra a continuaci\u00f3n:
Pasivo (activo) neto en el balance consolidado (Millones de euros)
Notas
2022
2021
2020
Obligaciones por pensiones
3.661
4.218
4.539
Obligaciones por prejubilaciones
606
952
1.247
Obligaciones por planes m\u00e9dicos
1.448
1.377
1.562
Otras retribuciones a largo plazo
466
632
49
Total obligaciones
6.181
7.180
7.398
Activos afectos a planes por pensiones
1.608
1.494
1.608
Activos afectos a planes m\u00e9dicos
1.476
1.494
1.484
Total activos afectos (1)
3.084
2.988
3.092
Total pasivo / activo neto
3.097
4.193
4.305
De los que: Activos netos en el balance consolidado (2)
(1)
(15)
(16)
De los que: Pasivos netos en el balance consolidado por obligaciones por
pensiones, prejubilaciones y planes m\u00e9dicos (3)
24
2.632
3.576
4.272
De los que: Pasivos netos en el balance consolidado por otras retribuciones a
largo plazo (4)
24
466
632
49
(1) Para Turqu\u00eda, la fundaci\u00f3n que gestiona los compromisos mantiene un activo adicional de 188 millones de euros a 31 de diciembre de 2022 que no ha sido reflejado en las
Cuentas Anuales consolidadas, de acuerdo con la normativa NIIF-UE sobre el l\u00edmite del activo, ya que, si bien puede ser utilizado para rebajar futuras contribuciones para
pensiones, no puede ser recuperado de forma inmediata.
(2) Registrados en el ep\u00edgrafe \"Otros activos\" de los balances consolidados (ver Nota 20).
(3) Registrados en el ep\u00edgrafe \"Provisiones- Pensiones y otras obligaciones de prestaciones definidas post-empleo\" de los balances consolidados.
(4) Registrados en el ep\u00edgrafe \"Provisiones-Otras retribuciones a los empleados a largo plazo\" de los balances consolidados. La variaci\u00f3n en 2021 se explica principalmente por el
procedimiento de despido colectivo que se ha llevado a cabo en Banco Bilbao Vizcaya Argentaria, S.A.
A continuaci\u00f3n se presentan los costes registrados por compromisos post-empleo en las cuentas de p\u00e9rdidas y ganancias
consolidadas de los ejercicios 2022, 2021 y 2020:
Efectos en cuentas de p\u00e9rdidas y ganancias consolidadas (Millones de euros)
Notas
2022
2021
2020
Ingresos y gastos por intereses
75
37
44
Gastos por intereses
342
257
265
Ingresos por intereses y otros ingresos similares
(267)
(220)
(220)
Gastos de personal
130
120
121
Contribuciones a fondos de pensiones de aportaci\u00f3n definida
44.1
87
71
72
Dotaciones a planes por pensiones de prestaci\u00f3n definida
44.1
43
49
49
Provisiones o reversi\u00f3n de provisiones
46
(89)
61
210
Coste por prejubilaciones del ejercicio
\u2014
100
224
Coste de servicios pasados
34
(28)
(8)
P\u00e9rdidas / ganancias actuariales (1)
(126)
(16)
(11)
Resto de provisiones
3
6
4
Total efecto en las cuentas de p\u00e9rdidas y ganancias consolidadas: cargos
(abonos)
116
218
375
(1) Corresponden a las mediciones de la obligaci\u00f3n neta por prestaciones definidas surgidas por prejubilaciones y otras retribuciones a largo plazo que se registran con cargo a
resultados (ver Nota 2.2.12).
Los costes registrados por compromisos post-empleo en el patrimonio neto consolidados corresponden a la actualizaci\u00f3n de la
valoraci\u00f3n de la obligaci\u00f3n neta por prestaciones definidas surgidas por compromisos por pensiones y planes m\u00e9dicos antes de su
efecto fiscal de los ejercicios 2022, 2021 y 2020 se muestran a continuaci\u00f3n:
Efectos en el patrimonio neto consolidado (Millones de euros)
2022
2021
2020
Planes por pensiones de prestaci\u00f3n definida
(363)
52
161
Planes m\u00e9dicos de prestaci\u00f3n definida
(71)
(257)
30
Total efecto en el patrimonio neto consolidado: cargos (abonos)
(433)
(206)
191
En el ejercicio 2022, el importe agregado de dicha partida supuso un abono de 433 millones de euros, que se explica principalmente
por la variaci\u00f3n en hip\u00f3tesis financieras, ganancias de 558 millones de euros por los compromisos en Espa\u00f1a, y p\u00e9rdidas de 72
millones de euros por los compromisos en M\u00e9xico. Los importes anteriores se compensan por otros efectos menores de experiencia
actuarial en estas mismas \u00e1reas geogr\u00e1ficas y efectos financieros, demogr\u00e1ficos y de experiencia en otras \u00e1reas geogr\u00e1ficas.
En el ejercicio 2021, el importe agregado de dicha partida supuso un abono de 206 millones de euros, que se explica principalmente
por la variaci\u00f3n en hip\u00f3tesis financieras, ganancias de 171 millones de euros por los compromisos en M\u00e9xico, y 55 millones de euros
por los compromisos en Espa\u00f1a. Los importes anteriores se compensan por otras geograf\u00edas y efectos demogr\u00e1ficos y de
experiencia.
En el ejercicio 2020, el importe agregado de dicha partida ascendi\u00f3 a un cargo de 191 millones de euros, explicado principalmente por
la variaci\u00f3n en el tipo de inter\u00e9s, p\u00e9rdidas de 91 millones de euros por los compromisos en M\u00e9xico y de 68 millones de euros por los
compromisos en Espa\u00f1a, y en menor medida por actualizaci\u00f3n de las tablas de mortalidad en Espa\u00f1a (p\u00e9rdidas de 49 millones de
euros). Los importes anteriores se reducen por efectos en otras \u00e1reas geogr\u00e1ficas y experiencia.
Planes de prestaci\u00f3n definida
Los compromisos incluidos en estos planes corresponden principalmente a personal jubilado o prejubilado del Grupo, a colectivos
cerrados de empleados a\u00fan en activo para el caso de jubilaci\u00f3n y a la mayor\u00eda de los empleados para los compromisos de incapacidad
laboral permanente y fallecimiento en activo. Para estos \u00faltimos, el Grupo desembolsa las primas exigidas para su total
aseguramiento. El movimiento de los compromisos para los ejercicios 2022, 2021 y 2020 se detalla a continuaci\u00f3n:
.
Compromisos de prestaci\u00f3n definida (Millones de euros)
2022
2021
2020
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Saldo inicial
6.547
2.988
3.560
7.348
3.092
4.256
8.116
3.493
4.622
Coste de servicios corriente
45
\u2014
45
53
\u2014
53
53
\u2014
53
Gastos o ingresos por intereses
333
267
65
253
220
33
261
219
42
Aportaciones de los part\u00edcipes
10
10
\u2014
5
5
\u2014
4
4
\u2014
Aportaciones de la empresa
\u2014
67
(67)
\u2014
4
(4)
\u2014
124
(124)
Coste por servicios pasados (1)
34
\u2014
34
75
\u2014
75
219
\u2014
219
P\u00e9rdidas / (ganancias)
actuariales:
(741)
(240)
(501)
(406)
(184)
(223)
364
176
187
Por rendimientos de los
activos del plan (2)
\u2014
(240)
240
\u2014
(184)
184
\u2014
176
(176)
Por cambios en hip\u00f3tesis
demogr\u00e1ficas
(29)
\u2014
(29)
(121)
\u2014
(121)
57
\u2014
57
Por cambios en hip\u00f3tesis
financieras
(812)
\u2014
(812)
(259)
\u2014
(259)
276
\u2014
276
Otras p\u00e9rdidas / (ganancias)
actuariales
100
\u2014
100
(27)
\u2014
(27)
30
\u2014
30
Prestaciones pagadas
(676)
(184)
(492)
(765)
(158)
(608)
(839)
(185)
(654)
Prestaciones pagadas
(liquidaciones)
(4)
(4)
\u2014
(1)
(1)
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y
desinversiones (3)
\u2014
\u2014
\u2014
(2)
1
(3)
(371)
(327)
(44)
Variaciones por tipos de cambio
161
180
(20)
(24)
8
(32)
(459)
(409)
(50)
Transformaci\u00f3n a aportaci\u00f3n
definida
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros movimientos
7
\u2014
7
13
\u2014
13
1
(3)
4
Saldo al final
5.715
3.084
2.631
6.547
2.988
3.560
7.348
3.092
4.256
Del que: Espa\u00f1a
2.546
147
2.399
3.670
206
3.464
4.288
249
4.039
Del que: M\u00e9xico
2.426
2.329
97
2.150
2.149
1
2.219
2.122
97
Del que: Estados Unidos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Del que: Turqu\u00eda
418
315
103
272
209
63
367
282
85
Para Espa\u00f1a, el tipo de descuento mostrado a 31 de diciembre de 2022, se corresponde con el tipo promedio ponderado, siendo los
tipos de descuento utilizados el 3,75 % y el 4 % en funci\u00f3n del tipo de compromiso.
Los tipos de descuento utilizados para actualizar los flujos futuros se han determinado tomando como referencia bonos corporativos
de alta calidad (ver Nota 2.2.12) de cada una de las divisas (zona euro para el caso de Espa\u00f1a y peso mexicano para M\u00e9xico) y bono
gubernamental en lira turca para el caso de Turqu\u00eda.
El rendimiento esperado de los activos del Plan se corresponde con el tipo de descuento establecido.
Las edades de jubilaci\u00f3n para los compromisos se determinan a la primera fecha en la que se tenga derecho a la jubilaci\u00f3n, la pactada
contractualmente en el caso de las prejubilaciones o mediante la utilizaci\u00f3n de tasas de jubilaci\u00f3n.
Las variaciones de las principales hip\u00f3tesis pueden afectar al c\u00e1lculo de los compromisos. A continuaci\u00f3n se muestra un cuadro de
sensibilidades con el efecto que producir\u00eda en las obligaciones una variaci\u00f3n en las hip\u00f3tesis principales:
An\u00e1lisis de sensibilidad (Millones de euros)
Variaci\u00f3n en
puntos b\u00e1sicos
2022
2021
2020
Incremento
Decremento
Incremento
Decremento
Incremento
Decremento
Tipo de descuento
50
(321)
350
(282)
307
(354)
390
Tasa de crecimiento de salarios
50
1
(1)
2
(2)
4
(4)
Tasa de crecimiento de las pensiones
50
32
(39)
28
(26)
29
(27)
Tasa de tendencia en el crecimiento de
costes m\u00e9dicos
50
119
(106)
109
(98)
145
(129)
Incremento en la obligaci\u00f3n por a\u00f1o de
longevidad
113
\u2014
170
\u2014
211
\u2014
Las sensibilidades se han determinado a la fecha de los estados financieros consolidados, y se corresponden con la variaci\u00f3n
individual de cada una de las hip\u00f3tesis manteniendo constante el resto, por lo que excluyen posibles efectos combinados.
Adem\u00e1s de los compromisos anteriores, el Grupo mantiene otras retribuciones a largo plazo de menor relevancia econ\u00f3mica, que
mayoritariamente corresponden a premios por antig\u00fcedad consistentes en la entrega de una cuant\u00eda establecida o unos d\u00edas de
vacaciones que se disfrutar\u00e1n cuando los empleados cumplan un determinado n\u00famero de a\u00f1os de prestaci\u00f3n de servicios efectivos.
Adicionalmente, en el a\u00f1o 2021 inclu\u00eda un fondo relacionado con el procedimiento de despido colectivo que se llev\u00f3 a cabo en Banco
Bilbao Vizcaya Argentaria, S.A. A 31 de diciembre de 2022, 2021 y 2020 el valor de estos compromisos ascend\u00eda a 466, 632 y 49
millones de euros, respectivamente. Los anteriores importes se encuentran registrados en el ep\u00edgrafe \u201cProvisiones \u2013 Otras
retribuciones a los empleados a largo plazo\u201d de los balances consolidados adjuntos (ver Nota 24).
Compromisos post-empleo y otras obligaciones similares
Los compromisos corresponden mayoritariamente a pensiones en pago determinadas en base al salario y a los a\u00f1os de servicio. En la
mayor parte de los planes, los pagos se originan por jubilaci\u00f3n, fallecimiento e incapacidad laboral del empleado.
Adicionalmente, las sociedades espa\u00f1olas del Grupo ofrecieron a determinados empleados en los ejercicios 2021 y 2020 la
posibilidad de jubilarse o prejubilarse con anterioridad a la edad de jubilaci\u00f3n establecida en el convenio colectivo laboral vigente,
oferta que fue aceptada por 432 y 781 empleados, respectivamente (0 empleados en 2022). Estos compromisos incluyen tanto las
retribuciones como las aportaciones a los fondos externos de pensiones a pagar durante el periodo de prejubilaci\u00f3n. A 31 de
diciembre de 2022, 2021 y 2020 el valor de estos compromisos ascend\u00eda a 606, 952 y 1.247 millones de euros, respectivamente.
El movimiento de las obligaciones y los activos afectos a los compromisos para el ejercicio 2022 es el siguiente:
Compromisos post-empleo 2022 (Millones de euros)
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Resto
Obligaci\u00f3n por prestaci\u00f3n definida
Saldo inicial
3.670
779
272
449
Coste de servicios corriente
4
7
13
3
Gastos o ingresos por intereses
53
84
42
10
Aportaciones de los part\u00edcipes
\u2014
\u2014
8
1
Aportaciones de la empresa
\u2014
\u2014
\u2014
\u2014
Coste por servicios pasados (1)
\u2014
1
2
3
P\u00e9rdidas / (ganancias) actuariales:
(677)
107
166
(122)
Por rendimientos de los activos del plan (2)
\u2014
\u2014
\u2014
\u2014
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
(37)
8
Por cambios en hip\u00f3tesis financieras
(643)
73
82
(132)
Otras p\u00e9rdidas / (ganancias) actuariales
(34)
34
122
2
Prestaciones pagadas
(511)
(77)
(15)
(13)
Prestaciones pagadas (liquidaciones)
\u2014
(1)
\u2014
(3)
Combinaciones de negocio y desinversiones
\u2014
\u2014
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
85
(70)
(9)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
Otros movimientos
7
\u2014
\u2014
\u2014
Saldo al final
2.546
985
418
318
Del que: Obligaciones no causadas
2.491
Del que: Obligaciones causadas
55
Activos del plan
Saldo inicial
206
655
209
424
Coste de servicios corriente
\u2014
\u2014
\u2014
\u2014
Gastos o ingresos por intereses
2
69
33
6
Aportaciones de los part\u00edcipes
\u2014
\u2014
8
1
Aportaciones de la empresa
\u2014
41
22
3
Coste por servicios pasados (1)
\u2014
\u2014
\u2014
\u2014
P\u00e9rdidas / (ganancias) actuariales:
(34)
(45)
104
(121)
Por rendimientos de los activos del plan (2)
(34)
(45)
104
(121)
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
\u2014
\u2014
Por cambios en hip\u00f3tesis financieras
\u2014
\u2014
\u2014
\u2014
Otras p\u00e9rdidas / (ganancias) actuariales
\u2014
\u2014
\u2014
\u2014
Prestaciones pagadas
(27)
(77)
(9)
(12)
Prestaciones pagadas (liquidaciones)
\u2014
(1)
\u2014
(3)
Combinaciones de negocio y desinversiones
\u2014
139
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
72
(52)
(6)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
Otros movimientos
\u2014
\u2014
\u2014
\u2014
Saldo al final
147
853
315
293
Obligaci\u00f3n (activo) neto
Saldo inicial
3.464
124
63
24
Coste de servicios corriente
4
7
13
3
Gastos o ingresos por intereses
51
14
10
4
Aportaciones de los part\u00edcipes
\u2014
\u2014
\u2014
\u2014
Aportaciones de la empresa
\u2014
(41)
(22)
(3)
Coste por servicios pasados (1)
\u2014
1
2
3
P\u00e9rdidas / (ganancias) actuariales:
(643)
152
62
(1)
Por rendimientos de los activos del plan (2)
34
45
(104)
121
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
(37)
8
Por cambios en hip\u00f3tesis financieras
(643)
73
82
(132)
Otras p\u00e9rdidas / (ganancias) actuariales
(34)
34
122
2
Prestaciones pagadas
(484)
\u2014
(6)
(1)
Prestaciones pagadas (liquidaciones)
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y desinversiones
\u2014
(139)
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
13
(18)
(3)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
Otros movimientos
7
\u2014
\u2014
\u2014
Saldo al final
2.399
132
103
25
(1) Incluye ganancias y p\u00e9rdidas por liquidaci\u00f3n.
(2) Excluidos los intereses que se reflejan en la l\u00ednea \u201cGastos o ingresos por intereses\u201d.
El movimiento neto de los compromisos para los ejercicios 2021 y 2020 es el siguiente:
Compromisos post-empleo (Millones de euros)
2021: Obligaci\u00f3n (activo) neto
2020: Obligaci\u00f3n (activo) neto
Espa\u00f1a
M\u00e9xico
Turqu\u00eda
Resto
Espa\u00f1a
M\u00e9xico
Estados
Unidos
Turqu\u00eda
Resto
Saldo inicial
4.039
28
85
27
4.326
72
52
86
38
Coste de servicios corriente
5
5
16
3
5
5
1
18
3
Gastos o ingresos por intereses
20
1
9
1
28
6
2
8
1
Aportaciones de los part\u00edcipes
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Aportaciones de la empresa
11
(2)
(11)
(1)
\u2014
(86)
\u2014
(14)
(1)
Coste por servicios pasados (1)
75
\u2014
2
2
224
(1)
\u2014
2
3
P\u00e9rdidas / (ganancias) actuariales:
(98)
128
10
(5)
95
62
(4)
18
(14)
Por rendimientos de los activos del plan (2)
8
49
(11)
19
(41)
(31)
(35)
23
(26)
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
(4)
\u2014
(2)
60
\u2014
(3)
\u2014
\u2014
Por cambios en hip\u00f3tesis financieras
(61)
84
(18)
(7)
79
(19)
34
54
17
Otras p\u00e9rdidas / (ganancias) actuariales
(45)
(2)
39
(15)
(3)
112
\u2014
(59)
(5)
Prestaciones pagadas
(599)
(1)
(6)
(1)
(643)
(1)
(2)
(6)
(1)
Prestaciones pagadas (liquidaciones)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y desinversiones
\u2014
(40)
\u2014
(2)
\u2014
(19)
(44)
\u2014
\u2014
Variaciones por tipos de cambio
\u2014
5
(43)
1
\u2014
(10)
(5)
(26)
(4)
Transformaci\u00f3n a aportaci\u00f3n definida
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros movimientos
12
\u2014
\u2014
\u2014
3
\u2014
\u2014
\u2014
\u2014
Saldo al final
3.464
124
63
24
4.039
28
\u2014
85
27
(1) Incluye ganancias y p\u00e9rdidas por liquidaci\u00f3n.
(2) Excluidos los intereses que se reflejan en la l\u00ednea \u201cGastos o ingresos por intereses\u201d.
En Espa\u00f1a, la normativa establece que los compromisos por pensiones de jubilaci\u00f3n y fallecimiento deben estar cubiertos mediante
un Plan de Pensiones o mediante p\u00f3lizas de Seguros.
En las sociedades espa\u00f1olas estos compromisos se encuentran asegurados mediante p\u00f3lizas que cumplen los requisitos
establecidos por la normativa contable en cuanto a la no recuperabilidad de las aportaciones. No obstante, una parte significativa de
los aseguramientos se ha realizado con BBVA Seguros, compa\u00f1\u00eda que es parte vinculada de BBVA y consolida en los estados
financieros consolidados, por lo que no pueden considerarse \u201cActivos del plan\u201d seg\u00fan la NIC 19. Por este motivo, los compromisos
asegurados se encuentran \u00edntegramente registrados en el ep\u00edgrafe \u201cProvisiones \u2013 Pensiones y otras obligaciones de prestaciones
definidas post-empleo\u201d de los balances consolidados adjuntos (ver Nota 24), recogiendo en el activo consolidado las clases de
activos financieros relacionados con los que cuenta la aseguradora, clasificados en funci\u00f3n del instrumento financiero que
corresponda. El importe de estos activos separados asciende a 1.656 millones de euros a 31 de diciembre 2022 (2.326 y 2.572
millones de euros, a 31 de diciembre de 2021 y 2020, respectivamente) y suponen derechos directos de los empleados asegurados
que permanecen en los balances consolidados adjuntos, encontr\u00e1ndose por tanto financiados los compromisos.
Adicionalmente existen compromisos en p\u00f3lizas de seguros con compa\u00f1\u00edas aseguradoras no vinculadas al Grupo, que se presentan
en los balances consolidados adjuntos por el importe neto entre la cuant\u00eda de los compromisos menos los activos afectos a los
mismos. A 31 de diciembre de 2022, 2021 y 2020, la valoraci\u00f3n de los activos afectos a los mencionados contratos de seguro (por
importe de 147, 206 y 249 millones de euros, respectivamente) se corresponde con el importe de los compromisos a cubrir, no
figurando, por tanto, ning\u00fan importe por este concepto en los balances consolidados adjuntos.
Las pensiones para empleados de BBVA se pagan desde las compa\u00f1\u00edas aseguradoras con las que BBVA ha realizado los
aseguramientos y a las que ha pagado la totalidad de las primas. Dichas primas se establecen por las compa\u00f1\u00edas aseguradoras
utilizando t\u00e9cnicas de cashflow matching que permitan pagar las prestaciones cuando estas sean exigibles, garantizando tanto los
riesgos actuariales como los relativos a tipos de inter\u00e9s.
En M\u00e9xico existe un plan de prestaci\u00f3n definida para algunos empleados cuya fecha de ingreso es anterior a 2001. Los empleados
cuyo ingreso ha sido posterior, cuentan con un plan de aportaci\u00f3n definida. De acuerdo a la regulaci\u00f3n local, existen fondos en
fideicomisos para hacer frente al pago de las pensiones.
En 2008, el gobierno turco aprob\u00f3 una ley para unificar los diferentes sistemas de pensiones existentes bajo un \u00fanico paraguas de
Seguridad Social, y que prev\u00e9 el trasvase a la misma de los diferentes fondos constituidos. En esta situaci\u00f3n se encuentra parte del
sector financiero, que mantiene dichos compromisos de pensiones gestionados a trav\u00e9s de fondos de pensiones externos
(fundaciones) establecidas para tal fin.
La fundaci\u00f3n que mantiene los activos y pasivos correspondientes a los empleados de Garanti BBVA en Turqu\u00eda, de acuerdo a los
requisitos exigidos por la normativa local, tiene registrada una obligaci\u00f3n a 31 de diciembre de 2022 por importe de 292 millones de
euros pendiente de trasvase futuro a la Seguridad Social. Adicionalmente Garanti BBVA tiene constituido un plan de pensiones de
prestaci\u00f3n definida para los empleados, complementario a las prestaciones otorgadas por la seguridad social, que se encuentra
reflejado en el balance consolidado.
Compromisos por planes m\u00e9dicos
El movimiento de las obligaciones y los activos afectos a los compromisos para los ejercicios 2022, 2021 y 2020 se detalla a
continuaci\u00f3n:
Compromisos m\u00e9dicos (Millones de euros)
2022
2021
2020
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Obligaci\u00f3n
prestaci\u00f3n
definida
Activos
del plan
Obligaci\u00f3n
(activo)
neto
Saldo inicial
1.377
1.494
(116)
1.562
1.484
77
1.580
1.532
48
Coste de servicios corriente
19
\u2014
19
24
\u2014
24
21
\u2014
21
Gastos o ingresos por intereses
144
157
(14)
131
129
2
117
120
(3)
Aportaciones de los part\u00edcipes
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Aportaciones de la empresa
\u2014
\u2014
\u2014
\u2014
1
(1)
\u2014
22
(22)
Coste por servicios pasados (1)
28
\u2014
28
(5)
\u2014
(5)
(8)
\u2014
(8)
P\u00e9rdidas / (ganancias) actuariales:
(215)
(144)
(71)
(377)
(119)
(257)
95
66
30
Por rendimientos de los activos del plan (2)
\u2014
(144)
144
\u2014
(119)
119
\u2014
66
(66)
Por cambios en hip\u00f3tesis demogr\u00e1ficas
\u2014
\u2014
\u2014
(115)
\u2014
(115)
\u2014
\u2014
\u2014
Por cambios en hip\u00f3tesis financieras
(191)
\u2014
(191)
(257)
\u2014
(257)
110
\u2014
110
Otras p\u00e9rdidas / (ganancias) actuariales
(23)
\u2014
(23)
(4)
\u2014
(4)
(15)
\u2014
(15)
Prestaciones pagadas
(60)
(60)
\u2014
(49)
(48)
\u2014
(37)
(37)
\u2014
Prestaciones pagadas (liquidaciones)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Combinaciones de negocio y desinversiones
\u2014
(139)
139
\u2014
(39)
39
\u2014
(19)
19
Variaciones por tipos de cambio
155
167
(11)
90
86
4
(207)
(201)
(6)
Otros movimientos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Saldo al final
1.448
1.476
(28)
1.377
1.494
(116)
1.562
1.484
77
(1) Incluye ganancias y p\u00e9rdidas por liquidaci\u00f3n.
(2) Excluidos los intereses que se reflejan en la l\u00ednea de \"Gastos o ingresos por intereses\".
En M\u00e9xico existen planes m\u00e9dicos para los empleados cuya fecha de ingreso es anterior a 2007. Los empleados contratados
posteriormente cuentan con p\u00f3lizas de seguros de salud. De acuerdo a la regulaci\u00f3n local y a la pol\u00edtica del Grupo, existen fondos en
fideicomisos para hacer frente al pago de estas coberturas.
En Turqu\u00eda la cobertura de Salud correspondiente a los empleados se viene otorgando a trav\u00e9s de una fundaci\u00f3n colaboradora del
Sistema de Seguridad Social, si bien, est\u00e1 legalmente prevista la unificaci\u00f3n futura de los diversos sistemas existentes en la propia
Seguridad Social.
La valoraci\u00f3n de estos compromisos, as\u00ed como su reflejo contable, se realiza de igual forma que los compromisos por pensiones.
Distribuci\u00f3n esperada de pagos
La estimaci\u00f3n de pagos al 31 de diciembre de 2022 de las distintas prestaciones para el conjunto de sociedades en Espa\u00f1a, M\u00e9xico y
Turqu\u00eda para los pr\u00f3ximos diez a\u00f1os es la siguiente:
Prestaciones esperadas a pagar (Millones de euros)
2023
2024
2025
2026
2027
2028 - 2032
Compromisos en Espa\u00f1a
522
384
326
279
242
794
Compromisos en M\u00e9xico
159
171
180
189
198
1.148
Compromisos en Turqu\u00eda
19
16
20
24
31
265
Total
700
571
526
493
471
2.208
Activos afectos
Las sociedades del Grupo mantienen fondos externos con activos que financian la mayor parte de los planes de prestaci\u00f3n definida
del Grupo. El Grupo, de acuerdo a lo que establece la regulaci\u00f3n local, mantiene ciertos compromisos en fondos internos, que
principalmente se corresponden con prejubilaciones.
Son activos del plan afectos a los compromisos, aquellos activos con los que se liquidar\u00e1n directamente las obligaciones asumidas y
re\u00fanen las siguientes condiciones: no son propiedad de entidades del Grupo, s\u00f3lo est\u00e1n disponibles para atender los pagos por
retribuciones post-empleo y no pueden retornar al Grupo BBVA.
Para gestionar los activos relacionados con los compromisos de prestaci\u00f3n definida en todos los pa\u00edses, el Grupo BBVA tiene
establecidas unas pol\u00edticas de inversi\u00f3n dise\u00f1adas de acuerdo a los criterios de prudencia y dirigidas a minimizar los riesgos
financieros.
La pol\u00edtica de inversi\u00f3n de los planes tiene como principio la inversi\u00f3n en activos seguros y diversificados, acordes con los
vencimientos de los compromisos que permitan, junto con las aportaciones realizadas, pagar las prestaciones cuando sean exigibles
y mitigar los riesgos existentes en los planes.
En aquellos pa\u00edses con activos asociados a los planes en forma de fondos de pensiones, la estrategia de inversi\u00f3n se gestiona de
manera acorde a la regulaci\u00f3n local existente. Para el establecimiento de la asignaci\u00f3n de activos espec\u00edficos se considera tanto la
situaci\u00f3n presente de los mercados como el perfil de riesgo de los activos y su posible evoluci\u00f3n futura. En todos los casos, BBVA
considera para su selecci\u00f3n que los activos sean acordes con el vencimiento de los compromisos y con sus necesidades de liquidez a
corto plazo.
Los riesgos asociados a los compromisos son los mismos que pueden originar un d\u00e9ficit en los activos afectos por diversos factores
como una ca\u00edda en el valor de mercado de las inversiones, o un incremento del tipo de inter\u00e9s a largo plazo que disminuya el valor de
los t\u00edtulos a plazo fijo; un empeoramiento de la econom\u00eda que lleve a m\u00e1s fallidos y rebajas en la calificaci\u00f3n crediticia.
En el cuadro adjunto se detalla la composici\u00f3n por categor\u00eda de activos mantenidos por las principales sociedades del Grupo, a 31 de
diciembre de 2022, 2021 y 2020:
Composici\u00f3n de los activos de los planes (Millones de euros)
2022
2021
2020
Efectivo y equivalentes
169
24
38
Valores representativos de deuda (deuda p\u00fablica)
2.270
2.394
2.707
Fondos de inversi\u00f3n
\u2014
1
1
Valores garantizados por activos
\u2014
\u2014
\u2014
Deuda estructurada
\u2014
\u2014
\u2014
Contratos de seguros
183
148
140
Total
2.622
2.566
2.887
Del que: Cuentas bancarias en BBVA
7
3
4
Del que: Valores representativos de deuda emitidos por BBVA
\u2014
\u2014
\u2014
Del que: Inmuebles ocupados por BBVA
\u2014
\u2014
\u2014
El resto de activos se encuentran invertidos principalmente en activos de Nivel 2 de acuerdo a la clasificaci\u00f3n establecida en NIIF 13
(principalmente p\u00f3lizas de seguros). A 31 de diciembre de 2022, casi la totalidad de los activos afectos a los compromisos con
empleados correspond\u00edan a valores de renta fija.
Planes de aportaci\u00f3n definida
Algunas sociedades del Grupo cuentan con planes de aportaci\u00f3n definida, permitiendo en algunos casos que los empleados realicen
aportaciones que posteriormente complementa la sociedad.
Dichas contribuciones representan un gasto del ejercicio en el momento en que se devengan, suponiendo un cargo a las cuentas de
p\u00e9rdidas y ganancias consolidadas del ejercicio correspondiente y, por tanto, no constituyen un pasivo en los balances consolidados
adjuntos (ver Nota 44.1).
Gastos de personal
La composici\u00f3n del saldo de este ep\u00edgrafe de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos de personal (Millones de euros)
Notas
2022
2021
2020
Sueldos y salarios
4.317
3.933
3.610
Seguridad Social
710
668
671
Contribuciones a fondos de pensiones de aportaci\u00f3n definida
25
87
71
72
Dotaciones a planes por pensiones de prestaci\u00f3n definida
25
43
49
49
Otros gastos de personal
454
325
293
Total
5.612
5.046
4.695
Remuneraciones basadas en acciones
Los importes registrados en el cap\u00edtulo \u201cGastos de personal - Otros gastos de personal\u201d de las cuentas de p\u00e9rdidas y ganancias
consolidadas de los ejercicios 2022, 2021 y 2020, correspondientes a los planes de remuneraciones basados en acciones en vigor en
cada ejercicio, han ascendido a 32, 33 y 16 millones de euros, respectivamente. Dichos importes se registraron con contrapartida en
el ep\u00edgrafe \u201cFondos propios - Otros elementos de patrimonio neto\u201d de los balances consolidados adjuntos, neto del correspondiente
efecto fiscal.
A continuaci\u00f3n, se describen las caracter\u00edsticas de los planes de remuneraciones basados en acciones del Grupo.
Retribuci\u00f3n variable en acciones
BBVA cuenta con un esquema de remuneraci\u00f3n espec\u00edfico aplicable a aquellos empleados cuyas actividades profesionales inciden de
manera significativa en el perfil de riesgo de BBVA y/o de su Grupo (en adelante, \u201cColectivo Identificado\u201d) que implica la entrega de
acciones o instrumentos vinculados a las acciones de BBVA, dise\u00f1ado en el marco de lo establecido en la normativa aplicable a las
entidades de cr\u00e9dito y considerando las mejores pr\u00e1cticas y recomendaciones a nivel local e internacional en esta materia.
En el ejercicio 2022, este esquema de remuneraci\u00f3n queda recogido en las siguientes pol\u00edticas de remuneraciones:
\u2013Pol\u00edtica General de Remuneraciones del Grupo BBVA, aprobada por el Consejo de Administraci\u00f3n el 30 de junio de 2021, de
aplicaci\u00f3n a los empleados y miembros de la Alta Direcci\u00f3n de BBVA (excluyendo a los consejeros ejecutivos de BBVA) y de
las sociedades que conforman su Grupo sobre las cuales BBVA tenga control sobre su gesti\u00f3n. Esta pol\u00edtica recoge en un
cap\u00edtulo espec\u00edfico las reglas espec\u00edficas aplicables al Colectivo Identificado, entre los que se incluye la Alta Direcci\u00f3n de
BBVA.
\u2013Pol\u00edtica de Remuneraciones de los Consejeros de BBVA, aprobada por la Junta General de Accionistas de BBVA celebrada
el 20 de abril de 2021, de aplicaci\u00f3n a los miembros del Consejo de Administraci\u00f3n de BBVA. El sistema de remuneraci\u00f3n de
los consejeros ejecutivos se corresponde, con car\u00e1cter general, con el aplicable a los miembros del Colectivo Identificado,
incorporando ciertas especificidades propias, derivadas de su condici\u00f3n de consejeros.
La retribuci\u00f3n variable de los miembros del Colectivo Identificado queda sometida a las siguientes reglas establecidas en sus
respectivas pol\u00edticas de remuneraciones, y en particular:
\u2013La Retribuci\u00f3n Variable Anual de los miembros del Colectivo Identificado correspondiente a cada ejercicio estar\u00e1 sometida
a ajustes ex ante, de manera que se reducir\u00e1 en el momento de la evaluaci\u00f3n de su desempe\u00f1o en caso de apreciarse un
comportamiento negativo de los resultados del Grupo o de otros par\u00e1metros como el grado de consecuci\u00f3n de los objetivos
presupuestados, y no se generar\u00e1, o se ver\u00e1 reducida en su generaci\u00f3n, en caso de no alcanzarse un determinado nivel de
beneficios y ratio de capital, en atenci\u00f3n a lo establecido en la normativa aplicable en cada momento.
\u2013El 60% de la Retribuci\u00f3n Variable Anual se consolidar\u00e1 y se abonar\u00e1, de darse las condiciones para ello, como regla general,
en el primer cuatrimestre del ejercicio siguiente al que la Retribuci\u00f3n Variable Anual corresponda (la \u201cParte Inicial\u201d). Para
los consejeros ejecutivos, resto de miembros de la Alta Direcci\u00f3n y aquellos miembros del Colectivo Identificado con
retribuciones variables de cuant\u00edas especialmente elevadas, la Parte Inicial se corresponder\u00e1 con un 40% de la Retribuci\u00f3n
Variable Anual. La parte restante quedar\u00e1 diferida en el tiempo (en adelante, la \u201cParte Diferida\u201d) por un periodo de 5 a\u00f1os,
para los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n, y de 4 a\u00f1os para los restantes miembros del
Colectivo Identificado.
\u2013Un 50% de la Retribuci\u00f3n Variable Anual, tanto de la Parte Inicial como de la Parte Diferida, se fijar\u00e1 en acciones de BBVA o
en instrumentos vinculados a las acciones de BBVA. Para los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n
el 60% de la Parte Diferida se fijar\u00e1 en acciones.
\u2013Las acciones o instrumentos concedidos en concepto de Retribuci\u00f3n Variable Anual, tanto de la Parte Inicial como de la
Parte Diferida, ser\u00e1n indisponibles durante un periodo de un a\u00f1o desde su entrega. Lo anterior no ser\u00e1 de aplicaci\u00f3n a las
acciones o instrumentos que proceda enajenar, en su caso, para hacer frente a las obligaciones fiscales derivadas de su
entrega.
\u2013La Parte Diferida de la Retribuci\u00f3n Variable Anual podr\u00e1 verse reducida, pero nunca incrementada, en funci\u00f3n del resultado
de indicadores de evaluaci\u00f3n plurianual alineados con las m\u00e9tricas fundamentales de control y gesti\u00f3n de riesgos del Grupo,
relacionados con la solvencia, la liquidez, la rentabilidad o la creaci\u00f3n de valor.
\u2013Las cantidades en efectivo de la Parte Diferida de la Retribuci\u00f3n Variable Anual que finalmente se consoliden, ser\u00e1n objeto
de actualizaci\u00f3n aplicando el \u00edndice de precios al consumo (IPC) medido como variaci\u00f3n interanual de precios, o
cualesquiera otros criterios establezca a tal efecto el Consejo de Administraci\u00f3n con la misma finalidad.
\u2013La totalidad de la Retribuci\u00f3n Variable Anual correspondiente a cada ejercicio estar\u00e1 sometida a cl\u00e1usulas de reducci\u00f3n de
la retribuci\u00f3n variable (malus) y de recuperaci\u00f3n de la retribuci\u00f3n variable ya satisfecha (clawback) durante la totalidad del
periodo de diferimiento e indisponibilidad, que resultar\u00e1n aplicables en caso de producirse determinadas circunstancias
recogidas en las pol\u00edticas de remuneraciones.
\u2013No se podr\u00e1n utilizar estrategias personales de cobertura o seguros relacionados con la retribuci\u00f3n variable y la
responsabilidad que menoscaben los efectos de alineaci\u00f3n con la gesti\u00f3n prudente de los riesgos.
\u2013El componente variable de la remuneraci\u00f3n correspondiente a un ejercicio (entendido como la suma de todos los
componentes variables de la remuneraci\u00f3n) estar\u00e1 limitado a un importe m\u00e1ximo del 100% del componente fijo de la
remuneraci\u00f3n total (entendido como la suma de todos los componentes fijos de la remuneraci\u00f3n), salvo que la Junta
General de Accionistas de BBVA acuerde elevar dicho porcentaje hasta un m\u00e1ximo del 200%.
\u2013A estos efectos, la Junta General de Accionistas de BBVA celebrada el 18 de marzo de 2022 acord\u00f3 elevar el nivel m\u00e1ximo
de retribuci\u00f3n variable de hasta el 200% del componente fijo de la remuneraci\u00f3n total, a un determinado n\u00famero de
miembros del Colectivo Identificado, en los t\u00e9rminos que se indican en el informe emitido a estos efectos por el Consejo de
Administraci\u00f3n de BBVA en fecha 09 de febrero de 2022.
\u2013Cualquier otro concepto retributivo, distinto de la Retribuci\u00f3n Variable Anual, que tenga la consideraci\u00f3n de remuneraci\u00f3n
variable, estar\u00e1 sujeto a las reglas de concesi\u00f3n, consolidaci\u00f3n y pago que le sean aplicables de acuerdo con la
configuraci\u00f3n del propio elemento retributivo y con su naturaleza.
Durante el ejercicio 2022, conforme a las pol\u00edticas retributivas aplicables, se ha consolidado el derecho del Colectivo Identificado a
recibir un total de 3.420.608 acciones o instrumentos vinculados a las acciones de BBVA correspondientes a la Parte Inicial de la
Retribuci\u00f3n Variable Anual del ejercicio 2021, en su mayor\u00eda, y a otros componentes variables de la remuneraci\u00f3n.
Por otro lado, conforme a la pol\u00edtica de remuneraciones aplicable en el ejercicio 2017, durante el ejercicio 2022 se ha entregado un
total de 106.072 acciones de BBVA correspondientes al segundo pago de la Parte Diferida de la Retribuci\u00f3n Variable Anual del
ejercicio 2017 de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n.
Por \u00faltimo, conforme a la pol\u00edtica de remuneraciones aplicable en el ejercicio 2018, durante el ejercicio 2022 se han entregado al
Colectivo Identificado un total de 3.739.044 acciones de BBVA correspondientes al primer pago de la Parte Diferida de la Retribuci\u00f3n
Variable Anual del ejercicio 2018 de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n y a la totalidad de la Parte
Diferida de la Retribuci\u00f3n Variable Anual del ejercicio 2018 del resto del Colectivo Identificado.
En el caso de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n de BBVA que ten\u00edan tal condici\u00f3n a 31 de diciembre
de 2022, la informaci\u00f3n detallada sobre las acciones entregadas se incluye en la Nota 54.
Por \u00faltimo, en cumplimiento con la regulaci\u00f3n local de Portugal y Brasil, BBVA IFIC y BBVA Brasil Banco de Investimento han
identificado (a nivel individual, respectivamente) a un colectivo en estas \u00e1reas geogr\u00e1ficas cuya retribuci\u00f3n variable anual est\u00e1 sujeta
a determinadas reglas espec\u00edficas de liquidaci\u00f3n y pago recogidas en sus respectivas pol\u00edticas de remuneraciones, en particular:
\u2013Un porcentaje de la retribuci\u00f3n variable anual queda sujeto a un diferimiento de tres a\u00f1os que se pagar\u00e1 por tercios a lo
largo de dicho periodo.
\u2013Un 50% de la retribuci\u00f3n variable anual, tanto de la parte inicial como de la parte diferida, se fijar\u00e1 en acciones de BBVA.
\u2013En BBVA IFIC, las cantidades en efectivo de la parte diferida de la retribuci\u00f3n variable anual, y sujetas a indicadores de
evaluaci\u00f3n plurianual que finalmente se abonen, ser\u00e1n objeto de actualizaci\u00f3n aplicando el \u00edndice de precios al consumo
(IPC) medido como variaci\u00f3n interanual de precios.
\u2013En BBVA Brasil Banco de Investimento, tanto las cantidades en efectivo como las cantidades en acciones de la parte
diferida de la retribuci\u00f3n variable anual ser\u00e1n objeto de actualizaci\u00f3n en efectivo.
De acuerdo al esquema retributivo se\u00f1alado, durante el ejercicio 2022 se ha entregado a este colectivo de Portugal y Brasil un total de
21.774 acciones de BBVA correspondientes a la parte inicial de la retribuci\u00f3n variable anual del ejercicio 2021.
Adicionalmente, durante el ejercicio 2022 se ha entregado a este colectivo de Portugal y Brasil un total de 3.517 acciones de BBVA
correspondientes al primer tercio de la parte diferida de la retribuci\u00f3n variable anual del ejercicio 2020 y 425 euros en concepto de
actualizaci\u00f3n (por las acciones entregadas en Brasil); un total de 4.422 acciones de BBVA correspondientes al segundo tercio de la
parte diferida de la retribuci\u00f3n variable anual 2019 y 1.203 euros en concepto de actualizaci\u00f3n (por las acciones entregadas en Brasil);
y un total de 5.083 acciones de BBVA correspondientes al \u00faltimo tercio de la parte diferida de la retribuci\u00f3n variable anual 2018 y
2.195 euros en concepto de actualizaci\u00f3n (por las acciones entregadas en Brasil).
", "dimensions": { "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80NjAvZnJhZzphNTViMDEyNTk1ZjA0MTZjOGE5NmE5ZTNkN2FmNjU4NS90ZXh0cmVnaW9uOmE1NWIwMTI1OTVmMDQxNmM4YTk2YTllM2Q3YWY2NTg1XzQyMzMxMTk3NjY5Mzky_73efa292-ff8e-45ab-ba3d-7844e11eacc7": { "value": "26.Capital
A 31 de diciembre de 2022, el capital social de BBVA ascend\u00eda a 2.954.757.116,36 euros formalizados en 6.030.116.564 acciones,
mientras a 31 de diciembre de 2021 y 2020, el capital social de BBVA ascend\u00eda a 3.267.264.424,20 euros formalizado en
6.667.886.580 acciones, en ambos periodos. Esta variaci\u00f3n ha sido consecuencia de las ejecuciones parciales del acuerdo de
reducci\u00f3n de capital adoptado por la Junta General de Accionistas de BBVA celebrada el 18 de marzo de 2022, en el punto s\u00e9ptimo de
su orden del d\u00eda, las cuales fueron comunicadas mediante Otra Informaci\u00f3n Relevante el 15 de junio de 2022 y el 30 de septiembre de
2022 (ver Nota 4).
En los tres ejercicios el valor nominal de las acciones ascend\u00eda a 0,49 euros, todas ellas de la misma clase y serie, totalmente
suscritas y desembolsadas y representadas mediante anotaciones en cuenta. Todas las acciones del Banco poseen los mismos
derechos pol\u00edticos y econ\u00f3micos, no existiendo derechos de voto distintos para ning\u00fan accionista. Tampoco existen acciones que no
sean representativas de capital.
Las acciones del Banco est\u00e1n admitidas a negociaci\u00f3n en las Bolsas de Valores de Madrid, Barcelona, Bilbao y Valencia, a trav\u00e9s del
Sistema de Interconexi\u00f3n Burs\u00e1til Espa\u00f1ol (Mercado Continuo), as\u00ed como en las Bolsas de Valores de Londres y M\u00e9xico. Los American
Depositary Shares (ADS) de BBVA se negocian en la Bolsa de Nueva York bajo el ticker BBVA.
Adicionalmente, a 31 de diciembre de 2022 las acciones de Banco BBVA Per\u00fa, S.A.; Banco Provincial, S.A.; Banco BBVA Colombia,
S.A.; Banco BBVA Argentina, S.A. y Garanti BBVA, cotizan en sus respectivos mercados de valores locales. Banco BBVA Argentina,
S.A. tambi\u00e9n cotizaba en el mercado latinoamericano (Latibex) de la Bolsa de Madrid y en la Bolsa de Nueva York. Los Depositary
Receipts (DR) de Garanti BBVA, tambi\u00e9n cotizan en la Bolsa de Valores de Londres. Asimismo, BBVA tambi\u00e9n est\u00e1 incluido en la
actualidad, entre otros \u00edndices, en el \u00cdndice IBEX 35\u00ae, que est\u00e1 formado por los 35 valores m\u00e1s l\u00edquidos negociados en el mercado
espa\u00f1ol y, t\u00e9cnicamente, es un \u00edndice de precios ponderado por capitalizaci\u00f3n y ajustado seg\u00fan el free float de cada una de las
empresas que componen este \u00edndice.
A 31 de diciembre de 2022, State Street Bank and Trust Co., The Bank of New York Mellon S.A. NV, y Chase Nominees Ltd. en su
condici\u00f3n de bancos custodios/depositarios internacionales, custodiaban un 14,88%, un 2,12% y un 6,84% del capital social de
BBVA, respectivamente. De las posiciones mantenidas por los custodios, no se tiene conocimiento de la existencia de accionistas
individuales con participaciones directas o indirectas iguales o superiores al 3% del capital social de BBVA.
La sociedad Blackrock Inc., con fecha 18 de abril de 2019, comunic\u00f3 a la Comisi\u00f3n Nacional del Mercado de Valores (CNMV) que pas\u00f3
a tener una participaci\u00f3n indirecta en el capital social de Banco Bilbao Vizcaya Argentaria, S.A., de un total 5,917% del cual son
5,480% de derechos de voto atribuidos a las acciones, m\u00e1s un 0,437% de derechos de voto a trav\u00e9s de instrumentos financieros.
Por otra parte, BBVA no tiene conocimiento de la existencia de participaciones directas o indirectas a trav\u00e9s de las cuales se ejerza el
control sobre el Banco. Asimismo, BBVA no ha recibido comunicaci\u00f3n alguna acreditativa de la existencia de pactos parasociales que
incluyan la regulaci\u00f3n del ejercicio del derecho de voto en sus Juntas Generales de Accionistas o que restrinjan o condicionen la libre
transmisibilidad de las acciones de BBVA. Tampoco se tiene conocimiento de ning\u00fan acuerdo que pudiera dar lugar a una toma de
control del Banco.
Las entidades bancarias del Grupo en todo el mundo, tanto dependientes como asociadas y negocios conjuntos, est\u00e1n sujetas a la
supervisi\u00f3n y regulaci\u00f3n de una gran variedad de organismos en relaci\u00f3n con, entre otros temas, la satisfacci\u00f3n de los requerimientos
m\u00ednimos de capital regulatorio. La obligaci\u00f3n de satisfacer dichos requisitos de capital regulatorio puede afectar a la capacidad de
dichas entidades bancarias para transferir fondos en forma de dinero en efectivo, dividendos, pr\u00e9stamos o anticipos. Adem\u00e1s, seg\u00fan
las leyes de las distintas jurisdicciones donde esas entidades se incorporan, los dividendos s\u00f3lo pueden ser pagados con fondos
legalmente disponibles para ello. Incluso cuando se cumplan los requisitos m\u00ednimos de capital y los fondos sean legalmente
disponibles, el regulador, u otros organismos p\u00fablicos, podr\u00edan desaconsejar o retrasar, en su caso, la transferencia de fondos al
Grupo en forma de dividendos en efectivo, pr\u00e9stamos o anticipos, por razones de prudencia.
Acuerdos de la Junta de accionistas
Aumento de capital
La Junta General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo de 2022 acord\u00f3, en el punto cuarto de su orden del d\u00eda,
delegar en el Consejo de Administraci\u00f3n la facultad de aumentar el capital social del Banco, en una o en varias veces, dentro del plazo
legal de cinco a\u00f1os a contar desde la fecha de aprobaci\u00f3n de la delegaci\u00f3n, hasta la cantidad m\u00e1xima correspondiente al 50% del
capital social de BBVA en el momento de la aprobaci\u00f3n de dicha delegaci\u00f3n, facultando igualmente al Consejo de Administraci\u00f3n para
excluir, total o parcialmente, el derecho de suscripci\u00f3n preferente de los accionistas en relaci\u00f3n con cualquier emisi\u00f3n concreta de
acciones que sea realizada en virtud de dicha delegaci\u00f3n.
Esta facultad, no obstante, qued\u00f3 limitada a que el importe nominal de los aumentos de capital que se acuerden o que efectivamente
se lleven a cabo con exclusi\u00f3n del derecho de suscripci\u00f3n preferente en virtud de la referida delegaci\u00f3n y los que se acuerden o
ejecuten para atender la conversi\u00f3n de las emisiones convertibles que se realicen igualmente con exclusi\u00f3n del derecho de
suscripci\u00f3n preferente en uso de la delegaci\u00f3n para emitir valores convertibles en acciones de nueva emisi\u00f3n de BBVA (distintos de
aquellos valores cuya conversi\u00f3n sea eventual y se prevea para atender a requisitos regulatorios para su computabilidad como
instrumentos de capital (CoCos)) acordada por la Junta General Ordinaria de Accionistas celebrada el 18 de marzo de 2022, en el
punto quinto de su orden del d\u00eda (sin perjuicio de los ajustes anti-diluci\u00f3n), no supere la cantidad nominal m\u00e1xima, en conjunto, del
10% del capital social de BBVA en el momento de la delegaci\u00f3n. La presente delegaci\u00f3n deja sin efecto la delegaci\u00f3n concedida por la
Junta General de Accionistas celebrada el 17 de marzo de 2017, en el punto cuarto del orden del d\u00eda, de la que el Banco no hizo uso.
A la fecha del presente documento, el Banco no ha hecho uso de la delegaci\u00f3n conferida por la Junta General de Accionistas.
Reducci\u00f3n de capital
La Junta General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo de 2022, en el punto s\u00e9ptimo de su orden del d\u00eda acord\u00f3
aprobar la reducci\u00f3n de capital social de BBVA hasta un importe m\u00e1ximo correspondiente al 10% del capital social en la fecha del
acuerdo, mediante la amortizaci\u00f3n de acciones propias que hayan sido adquiridas derivativamente por BBVA, tanto las que hayan
sido adquiridas al amparo de la autorizaci\u00f3n conferida por la Junta General de Accionistas de BBVA celebrada el 16 de marzo de 2018
en su punto tercero del orden del d\u00eda, como las que se puedan adquirir en virtud de la autorizaci\u00f3n conferida por la Junta General de
Accionistas de BBVA celebrada el d\u00eda 18 de marzo de 2022 en su punto sexto del orden del d\u00eda, a trav\u00e9s de cualquier mecanismo con
el objetivo de ser amortizadas y cuyo plazo de ejecuci\u00f3n del acuerdo ser\u00e1 hasta la fecha de celebraci\u00f3n de la pr\u00f3xima Junta General
Ordinaria de Accionistas, quedando sin efecto en la parte no ejecutada a partir de dicha fecha. La Junta General Ordinaria de
Accionistas facult\u00f3 al Consejo de Administraci\u00f3n, con facultades de subdelegaci\u00f3n, para ejecutar total o parcialmente la reducci\u00f3n de
capital, en una o varias veces, dejando sin efecto el acuerdo adoptado por la Junta General Ordinaria de Accionistas celebrada el 20
de abril de 2021, en el punto sexto del orden del d\u00eda, del cual el Banco no hizo uso.
En el marco del Programa de recompra de acciones (ver Nota 4), BBVA ha llevado a cabo durante el ejercicio 2022 las siguientes
reducciones de capital:
\u2013El 15 de junio de 2022, BBVA comunic\u00f3 la ejecuci\u00f3n parcial del acuerdo de reducci\u00f3n de capital adoptado por la Junta
General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo de 2022, mediante la reducci\u00f3n del capital social de
BBVA en un importe nominal de 137.797.167,90 euros, y la consiguiente amortizaci\u00f3n con cargo a las reservas de libre
disposici\u00f3n de las 281.218.710 acciones propias de 0,49 euros de valor nominal cada una, adquiridas derivativamente por el
Banco en ejecuci\u00f3n del Primer Tramo del Programa Marco de recompra de acciones y que estaban mantenidas en
autocartera.
\u2013El 30 de septiembre de 2022, BBVA comunic\u00f3, mediante Otra Informaci\u00f3n Relevante, la ejecuci\u00f3n parcial adicional del
acuerdo de reducci\u00f3n de capital adoptado por la Junta General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo
de 2022, mediante la reducci\u00f3n del capital social de BBVA en un importe nominal de 174.710.139,94 euros, y la consiguiente
amortizaci\u00f3n con cargo a las reservas de libre disposici\u00f3n de las 356.551.306 acciones propias de 0,49 euros de valor
nominal cada una, adquiridas derivativamente por el Banco en ejecuci\u00f3n del Primer Segmento y del Segundo Segmento
correspondientes al Segundo Tramo del Programa Marco de recompra de acciones y que estaban mantenidas en
autocartera.
Valores convertibles y/o canjeables
En la Nota 22.4 se presenta el detalle de los valores perpetuos eventualmente convertibles y/o canjeables.
Prima de emisi\u00f3n
A 31 de diciembre de 2022, el saldo de este ep\u00edgrafe de los balances consolidados adjuntos ascend\u00eda a 20.856 millones de euros. A 31
de diciembre de 2021 y 2020, el saldo de este ep\u00edgrafe ascend\u00eda a 23.599 y 23.992 millones de euros, respectivamente (ver Nota 4).
El Texto Refundido de la Ley de Sociedades de Capital permite expresamente la utilizaci\u00f3n del saldo de la prima de emisi\u00f3n para
ampliar el capital y no establece restricci\u00f3n espec\u00edfica alguna en cuanto a la disponibilidad de dicho saldo (ver Nota 26).
Ganancias acumuladas, reservas de revalorizaci\u00f3n y otras reservasComposici\u00f3n del saldo
La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es la siguiente:
Ganancias acumuladas, reservas de revalorizaci\u00f3n y otras reservas: Desglose por conceptos (Millones de euros)
2022
2021
2020
Reserva legal
591
653
653
Reservas indisponibles
482
761
120
Reservas libre disposici\u00f3n (1)
3.906
3.994
8.117
Total reservas sociedad matriz (2)
4.979
5.409
8.890
Reservas de consolidaci\u00f3n atribuidas a la matriz y a las sociedades consolidadas
29.902
24.575
21.454
Total
34.881
29.984
30.344
(1) La variaci\u00f3n en el ejercicio 2021 se debe principalmente a la aplicaci\u00f3n del resultado del ejercicio 2020 de BBVA, S.A. y al programa de recompra de acciones (ver Nota 4).
(2) Total reservas de BBVA, S.A. (ver Anexo IX).
Reserva legal
De acuerdo con el Texto Refundido de la Ley de Sociedades de Capital, las sociedades que obtengan en el ejercicio econ\u00f3mico
beneficios, deber\u00e1n dotar el 10% del beneficio del ejercicio a la reserva legal. Estas dotaciones deber\u00e1n hacerse hasta que la reserva
legal alcance el 20% del capital social.
La reserva legal podr\u00e1 utilizarse para aumentar el capital social en la parte que exceda del 10% del capital social ya aumentado y,
mientras no supere el 20% del capital social, s\u00f3lo podr\u00e1 destinarse a la compensaci\u00f3n de p\u00e9rdidas y, exclusivamente, en el caso de
que no existan otras reservas disponibles suficientes para este fin.
Reservas indisponibles
A 31 de diciembre de 2022, 2021 y 2020, el Banco ten\u00eda registradas las siguientes reservas indisponibles:
Reservas indisponibles. Desglose por conceptos (Millones de euros)
2022
2021
2020
Reserva indisponible por capital amortizado (1)
400
88
88
Reserva indisponible sobre acciones de la sociedad dominante y pr\u00e9stamos
sobre dichas acciones (2)
80
672
30
Reserva indisponible por redenominaci\u00f3n en euros del capital
2
2
2
Total
482
761
120
(1) La variaci\u00f3n de 2022 es consecuencia de las ejecuciones parciales del acuerdo de reducci\u00f3n de capital adoptado por la Junta General de Accionistas de BBVA celebrada el 18
de marzo de 2022 (ver Nota 26).
(2) El saldo de 2021 incluye el importe del programa de recompra de acciones (ver Nota 4).
Hasta 2021, la reserva indisponible por capital amortizado ten\u00eda su origen en la reducci\u00f3n de valor nominal unitario de las acciones de
BBVA realizada en el mes de abril de 2000. En 2022, incluye la reserva generada por la reducci\u00f3n de capital realizada en 2022.
El segundo concepto corresponde a reservas indisponibles relacionadas con el importe de las acciones emitidas por el Banco que se
encontraban en su poder a cada fecha y con el importe de la financiaci\u00f3n en vigor en dicha fecha concedida a clientes para la compra
de acciones del Banco o que cuenten con la garant\u00eda de estas acciones.
Por \u00faltimo, y de acuerdo con lo establecido en la Ley 46/1998, sobre Introducci\u00f3n del Euro, se mantiene una reserva por el efecto del
redondeo que se produjo en la redenominaci\u00f3n a euros del capital social del Banco.
Ganancias acumuladas, Reservas de revalorizaci\u00f3n y Otras reservas por sociedades
El desglose de los ep\u00edgrafes \u201cGanancias acumuladas\u201d, \u201cReservas de revalorizaci\u00f3n\u201d y \u201cOtras reservas\u201d de los balances consolidados
adjuntos, por sociedades o grupos de sociedades, se presenta a continuaci\u00f3n:
Ganancias acumuladas, Reservas de revalorizaci\u00f3n y Otras reservas: Desglose por sociedades o grupos de sociedades
(Millones de euros)
2022
2021
2020
Ganancias (p\u00e9rdidas) acumuladas, reservas de revalorizaci\u00f3n y otras
reservas
Sociedad Matriz
14.003
12.467
15.014
Grupo BBVA M\u00e9xico
13.839
13.894
12.890
Grupo Garanti BBVA
5.710
3.043
2.509
Grupo BBVA Provincial
1.720
1.721
1.731
Grupo BBVA Argentina
1.456
1.423
1.302
Grupo BBVA Colombia
1.510
1.393
1.287
Grupo BBVA Per\u00fa
1.065
1.031
984
Corporaci\u00f3n General Financiera S.A.
338
322
920
Forum Servicios Financieros S.A.
632
604
619
Sociedades inmobiliarias CX
263
277
251
BBV America, S.L.
299
270
262
BBVA Seguros, S.A.
284
239
(35)
Pecri Inversi\u00f3n S.L.
119
118
114
Grupo BBVA Uruguay
118
106
87
Bilbao Vizcaya Holding, S.A.
144
68
77
Compa\u00f1\u00eda de Cartera de Inversiones, S.A.
65
42
59
Gran Jorge Juan, S.A.
61
57
42
Grupo BBVA USA
\u2014
\u2014
(1.098)
Anida Grupo Inmobiliario
(525)
(556)
(594)
Sociedades inmobiliarias Unnim
(647)
(655)
(617)
Anida Operaciones Singulares, S.A.
(5.529)
(5.512)
(5.409)
Resto
177
(121)
112
Subtotal (1)
35.102
30.231
30.508
Otras reservas acumuladas de inversiones en negocios conjuntos y
asociadas
Atom Holdco Limited
(169)
(158)
(91)
Metrovacesa, S.A.
(84)
(84)
(84)
Resto
32
(5)
11
Subtotal
(221)
(247)
(164)
Total
34.881
29.984
30.344
(1) En 2021 incluye la contabilizaci\u00f3n de las acciones pendientes de compra del programa recompra (ver Nota 4) y la reclasificaci\u00f3n de elementos que no se clasifican por
resultados por \"Ganancias (p\u00e9rdidas) actuariales en planes de pensiones de prestaciones definidas\".
A efectos de la asignaci\u00f3n de las reservas y p\u00e9rdidas de ejercicios anteriores a las sociedades consolidadas y a la matriz, se han
considerado, entre otros, las transferencias de reservas generadas por los dividendos pagados y las transacciones efectuadas entre
dichas sociedades en el ejercicio en que las mismas tuvieron lugar.
Acciones propias
Durante los ejercicios 2022, 2021 y 2020, las sociedades del Grupo realizaron las siguientes transacciones con acciones emitidas por
el Banco:
Acciones propias
2022
2021
2020
N\u00ba de acciones
Millones
de euros
N\u00ba de
acciones
Millones
de euros
N\u00ba de
acciones
Millones de
euros
Saldo inicial
127.633.399
647
14.352.832
46
12.617.189
62
+ Compras
598.457.024
2.966
203.530.570
1.022
234.691.887
807
- Ventas y otros movimientos
(720.605.009)
(3.583)
(90.250.003)
(417)
(232.956.244)
(830)
+/- Derivados sobre acciones
BBVA, S.A.
\u2014
\u2014
\u2014
(4)
\u2014
7
+/- Otros movimientos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Saldo al final
5.485.414
29
127.633.399
647
14.352.832
46
De los que:
Propiedad de BBVA, S.A.
\u2014
3
112.733.730
574
592.832
9
Propiedad de Corporaci\u00f3n
General Financiera, S.A.
5.454.516
26
14.899.669
72
13.760.000
37
Propiedad de otras sociedades
del Grupo
30.898
\u2014
\u2014
\u2014
\u2014
\u2014
Precio medio de compra en euros
4,96
\u2014
5,02
\u2014
3,44
\u2014
Precio medio de venta en euros
4,99
\u2014
4,89
\u2014
3,63
\u2014
Resultados netos por
transacciones
(Fondos propios-Reservas)
9
17
\u2014
Durante los ejercicios 2022 y 2021 se registraron transacciones por el programa de recompra de acciones (ver Nota 4).
Los porcentajes de las acciones mantenidas en la autocartera del Grupo durante los ejercicios 2022, 2021 y 2020 fueron los
siguientes:
Autocartera
2022
2021
2020
M\u00ednimo
M\u00e1ximo
Cierre
M\u00ednimo
M\u00e1ximo
Cierre
M\u00ednimo
M\u00e1ximo
Cierre
% de acciones en autocartera
0,078 %
7,492 %
0,094 %
0,108 %
1,922 %
1,914 %
0,008 %
0,464 %
0,215 %
A 31 de diciembre de 2022, 2021 y 2020, el n\u00famero de acciones de BBVA aceptadas en concepto de garant\u00eda de las financiaciones
concedidas por el Grupo, era el siguiente:
Acciones de BBVA aceptadas en concepto de garant\u00eda
2022
2021
2020
N\u00famero de acciones en garant\u00eda
23.437.363
29.372.853
39.407.590
Valor nominal por acci\u00f3n (en euros)
0,49
0,49
0,49
Porcentaje que representan sobre el capital
0,39 %
0,44 %
0,59 %
El n\u00famero de acciones de BBVA propiedad de terceros pero gestionadas por alguna sociedad del Grupo a 31 de diciembre de 2022,
2021 y 2020, era el siguiente:
Acciones de BBVA propiedad de terceros gestionado por el Grupo
2022
2021
2020
N\u00famero de acciones propiedad de terceros
18.686.027
17.645.506
18.266.509
Valor nominal por acci\u00f3n (en euros)
0,49
0,49
0,49
Porcentaje que representan sobre el capital
0,31 %
0,26 %
0,27 %
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A 31 de diciembre de 2022, el capital social de BBVA ascend\u00eda a 2.954.757.116,36 euros formalizados en 6.030.116.564 acciones,
mientras a 31 de diciembre de 2021 y 2020, el capital social de BBVA ascend\u00eda a 3.267.264.424,20 euros formalizado en
6.667.886.580 acciones, en ambos periodos. Esta variaci\u00f3n ha sido consecuencia de las ejecuciones parciales del acuerdo de
reducci\u00f3n de capital adoptado por la Junta General de Accionistas de BBVA celebrada el 18 de marzo de 2022, en el punto s\u00e9ptimo de
su orden del d\u00eda, las cuales fueron comunicadas mediante Otra Informaci\u00f3n Relevante el 15 de junio de 2022 y el 30 de septiembre de
2022 (ver Nota 4).
En los tres ejercicios el valor nominal de las acciones ascend\u00eda a 0,49 euros, todas ellas de la misma clase y serie, totalmente
suscritas y desembolsadas y representadas mediante anotaciones en cuenta. Todas las acciones del Banco poseen los mismos
derechos pol\u00edticos y econ\u00f3micos, no existiendo derechos de voto distintos para ning\u00fan accionista. Tampoco existen acciones que no
sean representativas de capital.
Las acciones del Banco est\u00e1n admitidas a negociaci\u00f3n en las Bolsas de Valores de Madrid, Barcelona, Bilbao y Valencia, a trav\u00e9s del
Sistema de Interconexi\u00f3n Burs\u00e1til Espa\u00f1ol (Mercado Continuo), as\u00ed como en las Bolsas de Valores de Londres y M\u00e9xico. Los American
Depositary Shares (ADS) de BBVA se negocian en la Bolsa de Nueva York bajo el ticker BBVA.
Adicionalmente, a 31 de diciembre de 2022 las acciones de Banco BBVA Per\u00fa, S.A.; Banco Provincial, S.A.; Banco BBVA Colombia,
S.A.; Banco BBVA Argentina, S.A. y Garanti BBVA, cotizan en sus respectivos mercados de valores locales. Banco BBVA Argentina,
S.A. tambi\u00e9n cotizaba en el mercado latinoamericano (Latibex) de la Bolsa de Madrid y en la Bolsa de Nueva York. Los Depositary
Receipts (DR) de Garanti BBVA, tambi\u00e9n cotizan en la Bolsa de Valores de Londres. Asimismo, BBVA tambi\u00e9n est\u00e1 incluido en la
actualidad, entre otros \u00edndices, en el \u00cdndice IBEX 35\u00ae, que est\u00e1 formado por los 35 valores m\u00e1s l\u00edquidos negociados en el mercado
espa\u00f1ol y, t\u00e9cnicamente, es un \u00edndice de precios ponderado por capitalizaci\u00f3n y ajustado seg\u00fan el free float de cada una de las
empresas que componen este \u00edndice.
A 31 de diciembre de 2022, State Street Bank and Trust Co., The Bank of New York Mellon S.A. NV, y Chase Nominees Ltd. en su
condici\u00f3n de bancos custodios/depositarios internacionales, custodiaban un 14,88%, un 2,12% y un 6,84% del capital social de
BBVA, respectivamente. De las posiciones mantenidas por los custodios, no se tiene conocimiento de la existencia de accionistas
individuales con participaciones directas o indirectas iguales o superiores al 3% del capital social de BBVA.
La sociedad Blackrock Inc., con fecha 18 de abril de 2019, comunic\u00f3 a la Comisi\u00f3n Nacional del Mercado de Valores (CNMV) que pas\u00f3
a tener una participaci\u00f3n indirecta en el capital social de Banco Bilbao Vizcaya Argentaria, S.A., de un total 5,917% del cual son
5,480% de derechos de voto atribuidos a las acciones, m\u00e1s un 0,437% de derechos de voto a trav\u00e9s de instrumentos financieros.
Por otra parte, BBVA no tiene conocimiento de la existencia de participaciones directas o indirectas a trav\u00e9s de las cuales se ejerza el
control sobre el Banco. Asimismo, BBVA no ha recibido comunicaci\u00f3n alguna acreditativa de la existencia de pactos parasociales que
incluyan la regulaci\u00f3n del ejercicio del derecho de voto en sus Juntas Generales de Accionistas o que restrinjan o condicionen la libre
transmisibilidad de las acciones de BBVA. Tampoco se tiene conocimiento de ning\u00fan acuerdo que pudiera dar lugar a una toma de
control del Banco.
Las entidades bancarias del Grupo en todo el mundo, tanto dependientes como asociadas y negocios conjuntos, est\u00e1n sujetas a la
supervisi\u00f3n y regulaci\u00f3n de una gran variedad de organismos en relaci\u00f3n con, entre otros temas, la satisfacci\u00f3n de los requerimientos
m\u00ednimos de capital regulatorio. La obligaci\u00f3n de satisfacer dichos requisitos de capital regulatorio puede afectar a la capacidad de
dichas entidades bancarias para transferir fondos en forma de dinero en efectivo, dividendos, pr\u00e9stamos o anticipos. Adem\u00e1s, seg\u00fan
las leyes de las distintas jurisdicciones donde esas entidades se incorporan, los dividendos s\u00f3lo pueden ser pagados con fondos
legalmente disponibles para ello. Incluso cuando se cumplan los requisitos m\u00ednimos de capital y los fondos sean legalmente
disponibles, el regulador, u otros organismos p\u00fablicos, podr\u00edan desaconsejar o retrasar, en su caso, la transferencia de fondos al
Grupo en forma de dividendos en efectivo, pr\u00e9stamos o anticipos, por razones de prudencia.
Acuerdos de la Junta de accionistas
Aumento de capital
La Junta General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo de 2022 acord\u00f3, en el punto cuarto de su orden del d\u00eda,
delegar en el Consejo de Administraci\u00f3n la facultad de aumentar el capital social del Banco, en una o en varias veces, dentro del plazo
legal de cinco a\u00f1os a contar desde la fecha de aprobaci\u00f3n de la delegaci\u00f3n, hasta la cantidad m\u00e1xima correspondiente al 50% del
capital social de BBVA en el momento de la aprobaci\u00f3n de dicha delegaci\u00f3n, facultando igualmente al Consejo de Administraci\u00f3n para
excluir, total o parcialmente, el derecho de suscripci\u00f3n preferente de los accionistas en relaci\u00f3n con cualquier emisi\u00f3n concreta de
acciones que sea realizada en virtud de dicha delegaci\u00f3n.
Esta facultad, no obstante, qued\u00f3 limitada a que el importe nominal de los aumentos de capital que se acuerden o que efectivamente
se lleven a cabo con exclusi\u00f3n del derecho de suscripci\u00f3n preferente en virtud de la referida delegaci\u00f3n y los que se acuerden o
ejecuten para atender la conversi\u00f3n de las emisiones convertibles que se realicen igualmente con exclusi\u00f3n del derecho de
suscripci\u00f3n preferente en uso de la delegaci\u00f3n para emitir valores convertibles en acciones de nueva emisi\u00f3n de BBVA (distintos de
aquellos valores cuya conversi\u00f3n sea eventual y se prevea para atender a requisitos regulatorios para su computabilidad como
instrumentos de capital (CoCos)) acordada por la Junta General Ordinaria de Accionistas celebrada el 18 de marzo de 2022, en el
punto quinto de su orden del d\u00eda (sin perjuicio de los ajustes anti-diluci\u00f3n), no supere la cantidad nominal m\u00e1xima, en conjunto, del
10% del capital social de BBVA en el momento de la delegaci\u00f3n. La presente delegaci\u00f3n deja sin efecto la delegaci\u00f3n concedida por la
Junta General de Accionistas celebrada el 17 de marzo de 2017, en el punto cuarto del orden del d\u00eda, de la que el Banco no hizo uso.
A la fecha del presente documento, el Banco no ha hecho uso de la delegaci\u00f3n conferida por la Junta General de Accionistas.
Reducci\u00f3n de capital
La Junta General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo de 2022, en el punto s\u00e9ptimo de su orden del d\u00eda acord\u00f3
aprobar la reducci\u00f3n de capital social de BBVA hasta un importe m\u00e1ximo correspondiente al 10% del capital social en la fecha del
acuerdo, mediante la amortizaci\u00f3n de acciones propias que hayan sido adquiridas derivativamente por BBVA, tanto las que hayan
sido adquiridas al amparo de la autorizaci\u00f3n conferida por la Junta General de Accionistas de BBVA celebrada el 16 de marzo de 2018
en su punto tercero del orden del d\u00eda, como las que se puedan adquirir en virtud de la autorizaci\u00f3n conferida por la Junta General de
Accionistas de BBVA celebrada el d\u00eda 18 de marzo de 2022 en su punto sexto del orden del d\u00eda, a trav\u00e9s de cualquier mecanismo con
el objetivo de ser amortizadas y cuyo plazo de ejecuci\u00f3n del acuerdo ser\u00e1 hasta la fecha de celebraci\u00f3n de la pr\u00f3xima Junta General
Ordinaria de Accionistas, quedando sin efecto en la parte no ejecutada a partir de dicha fecha. La Junta General Ordinaria de
Accionistas facult\u00f3 al Consejo de Administraci\u00f3n, con facultades de subdelegaci\u00f3n, para ejecutar total o parcialmente la reducci\u00f3n de
capital, en una o varias veces, dejando sin efecto el acuerdo adoptado por la Junta General Ordinaria de Accionistas celebrada el 20
de abril de 2021, en el punto sexto del orden del d\u00eda, del cual el Banco no hizo uso.
En el marco del Programa de recompra de acciones (ver Nota 4), BBVA ha llevado a cabo durante el ejercicio 2022 las siguientes
reducciones de capital:
\u2013El 15 de junio de 2022, BBVA comunic\u00f3 la ejecuci\u00f3n parcial del acuerdo de reducci\u00f3n de capital adoptado por la Junta
General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo de 2022, mediante la reducci\u00f3n del capital social de
BBVA en un importe nominal de 137.797.167,90 euros, y la consiguiente amortizaci\u00f3n con cargo a las reservas de libre
disposici\u00f3n de las 281.218.710 acciones propias de 0,49 euros de valor nominal cada una, adquiridas derivativamente por el
Banco en ejecuci\u00f3n del Primer Tramo del Programa Marco de recompra de acciones y que estaban mantenidas en
autocartera.
\u2013El 30 de septiembre de 2022, BBVA comunic\u00f3, mediante Otra Informaci\u00f3n Relevante, la ejecuci\u00f3n parcial adicional del
acuerdo de reducci\u00f3n de capital adoptado por la Junta General Ordinaria de Accionistas de BBVA celebrada el 18 de marzo
de 2022, mediante la reducci\u00f3n del capital social de BBVA en un importe nominal de 174.710.139,94 euros, y la consiguiente
amortizaci\u00f3n con cargo a las reservas de libre disposici\u00f3n de las 356.551.306 acciones propias de 0,49 euros de valor
nominal cada una, adquiridas derivativamente por el Banco en ejecuci\u00f3n del Primer Segmento y del Segundo Segmento
correspondientes al Segundo Tramo del Programa Marco de recompra de acciones y que estaban mantenidas en
autocartera.
Valores convertibles y/o canjeables
En la Nota 22.4 se presenta el detalle de los valores perpetuos eventualmente convertibles y/o canjeables.
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La composici\u00f3n del saldo de estos cap\u00edtulos de los balances consolidados adjuntos es la siguiente:
Ganancias acumuladas, reservas de revalorizaci\u00f3n y otras reservas: Desglose por conceptos (Millones de euros)
2022
2021
2020
Reserva legal
591
653
653
Reservas indisponibles
482
761
120
Reservas libre disposici\u00f3n (1)
3.906
3.994
8.117
Total reservas sociedad matriz (2)
4.979
5.409
8.890
Reservas de consolidaci\u00f3n atribuidas a la matriz y a las sociedades consolidadas
29.902
24.575
21.454
Total
34.881
29.984
30.344
(1) La variaci\u00f3n en el ejercicio 2021 se debe principalmente a la aplicaci\u00f3n del resultado del ejercicio 2020 de BBVA, S.A. y al programa de recompra de acciones (ver Nota 4).
(2) Total reservas de BBVA, S.A. (ver Anexo IX).
Reserva legal
De acuerdo con el Texto Refundido de la Ley de Sociedades de Capital, las sociedades que obtengan en el ejercicio econ\u00f3mico
beneficios, deber\u00e1n dotar el 10% del beneficio del ejercicio a la reserva legal. Estas dotaciones deber\u00e1n hacerse hasta que la reserva
legal alcance el 20% del capital social.
La reserva legal podr\u00e1 utilizarse para aumentar el capital social en la parte que exceda del 10% del capital social ya aumentado y,
mientras no supere el 20% del capital social, s\u00f3lo podr\u00e1 destinarse a la compensaci\u00f3n de p\u00e9rdidas y, exclusivamente, en el caso de
que no existan otras reservas disponibles suficientes para este fin.
Reservas indisponibles
A 31 de diciembre de 2022, 2021 y 2020, el Banco ten\u00eda registradas las siguientes reservas indisponibles:
Reservas indisponibles. Desglose por conceptos (Millones de euros)
2022
2021
2020
Reserva indisponible por capital amortizado (1)
400
88
88
Reserva indisponible sobre acciones de la sociedad dominante y pr\u00e9stamos
sobre dichas acciones (2)
80
672
30
Reserva indisponible por redenominaci\u00f3n en euros del capital
2
2
2
Total
482
761
120
(1) La variaci\u00f3n de 2022 es consecuencia de las ejecuciones parciales del acuerdo de reducci\u00f3n de capital adoptado por la Junta General de Accionistas de BBVA celebrada el 18
de marzo de 2022 (ver Nota 26).
(2) El saldo de 2021 incluye el importe del programa de recompra de acciones (ver Nota 4).
Hasta 2021, la reserva indisponible por capital amortizado ten\u00eda su origen en la reducci\u00f3n de valor nominal unitario de las acciones de
BBVA realizada en el mes de abril de 2000. En 2022, incluye la reserva generada por la reducci\u00f3n de capital realizada en 2022.
El segundo concepto corresponde a reservas indisponibles relacionadas con el importe de las acciones emitidas por el Banco que se
encontraban en su poder a cada fecha y con el importe de la financiaci\u00f3n en vigor en dicha fecha concedida a clientes para la compra
de acciones del Banco o que cuenten con la garant\u00eda de estas acciones.
Por \u00faltimo, y de acuerdo con lo establecido en la Ley 46/1998, sobre Introducci\u00f3n del Euro, se mantiene una reserva por el efecto del
redondeo que se produjo en la redenominaci\u00f3n a euros del capital social del Banco.
Ganancias acumuladas, Reservas de revalorizaci\u00f3n y Otras reservas por sociedades
El desglose de los ep\u00edgrafes \u201cGanancias acumuladas\u201d, \u201cReservas de revalorizaci\u00f3n\u201d y \u201cOtras reservas\u201d de los balances consolidados
adjuntos, por sociedades o grupos de sociedades, se presenta a continuaci\u00f3n:
Ganancias acumuladas, Reservas de revalorizaci\u00f3n y Otras reservas: Desglose por sociedades o grupos de sociedades
(Millones de euros)
2022
2021
2020
Ganancias (p\u00e9rdidas) acumuladas, reservas de revalorizaci\u00f3n y otras
reservas
Sociedad Matriz
14.003
12.467
15.014
Grupo BBVA M\u00e9xico
13.839
13.894
12.890
Grupo Garanti BBVA
5.710
3.043
2.509
Grupo BBVA Provincial
1.720
1.721
1.731
Grupo BBVA Argentina
1.456
1.423
1.302
Grupo BBVA Colombia
1.510
1.393
1.287
Grupo BBVA Per\u00fa
1.065
1.031
984
Corporaci\u00f3n General Financiera S.A.
338
322
920
Forum Servicios Financieros S.A.
632
604
619
Sociedades inmobiliarias CX
263
277
251
BBV America, S.L.
299
270
262
BBVA Seguros, S.A.
284
239
(35)
Pecri Inversi\u00f3n S.L.
119
118
114
Grupo BBVA Uruguay
118
106
87
Bilbao Vizcaya Holding, S.A.
144
68
77
Compa\u00f1\u00eda de Cartera de Inversiones, S.A.
65
42
59
Gran Jorge Juan, S.A.
61
57
42
Grupo BBVA USA
\u2014
\u2014
(1.098)
Anida Grupo Inmobiliario
(525)
(556)
(594)
Sociedades inmobiliarias Unnim
(647)
(655)
(617)
Anida Operaciones Singulares, S.A.
(5.529)
(5.512)
(5.409)
Resto
177
(121)
112
Subtotal (1)
35.102
30.231
30.508
Otras reservas acumuladas de inversiones en negocios conjuntos y
asociadas
Atom Holdco Limited
(169)
(158)
(91)
Metrovacesa, S.A.
(84)
(84)
(84)
Resto
32
(5)
11
Subtotal
(221)
(247)
(164)
Total
34.881
29.984
30.344
(1) En 2021 incluye la contabilizaci\u00f3n de las acciones pendientes de compra del programa recompra (ver Nota 4) y la reclasificaci\u00f3n de elementos que no se clasifican por
resultados por \"Ganancias (p\u00e9rdidas) actuariales en planes de pensiones de prestaciones definidas\".
A efectos de la asignaci\u00f3n de las reservas y p\u00e9rdidas de ejercicios anteriores a las sociedades consolidadas y a la matriz, se han
considerado, entre otros, las transferencias de reservas generadas por los dividendos pagados y las transacciones efectuadas entre
dichas sociedades en el ejercicio en que las mismas tuvieron lugar.
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Durante los ejercicios 2022, 2021 y 2020, las sociedades del Grupo realizaron las siguientes transacciones con acciones emitidas por
el Banco:
Acciones propias
2022
2021
2020
N\u00ba de acciones
Millones
de euros
N\u00ba de
acciones
Millones
de euros
N\u00ba de
acciones
Millones de
euros
Saldo inicial
127.633.399
647
14.352.832
46
12.617.189
62
+ Compras
598.457.024
2.966
203.530.570
1.022
234.691.887
807
- Ventas y otros movimientos
(720.605.009)
(3.583)
(90.250.003)
(417)
(232.956.244)
(830)
+/- Derivados sobre acciones
BBVA, S.A.
\u2014
\u2014
\u2014
(4)
\u2014
7
+/- Otros movimientos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Saldo al final
5.485.414
29
127.633.399
647
14.352.832
46
De los que:
Propiedad de BBVA, S.A.
\u2014
3
112.733.730
574
592.832
9
Propiedad de Corporaci\u00f3n
General Financiera, S.A.
5.454.516
26
14.899.669
72
13.760.000
37
Propiedad de otras sociedades
del Grupo
30.898
\u2014
\u2014
\u2014
\u2014
\u2014
Precio medio de compra en euros
4,96
\u2014
5,02
\u2014
3,44
\u2014
Precio medio de venta en euros
4,99
\u2014
4,89
\u2014
3,63
\u2014
Resultados netos por
transacciones
(Fondos propios-Reservas)
9
17
\u2014
Durante los ejercicios 2022 y 2021 se registraron transacciones por el programa de recompra de acciones (ver Nota 4).
Los porcentajes de las acciones mantenidas en la autocartera del Grupo durante los ejercicios 2022, 2021 y 2020 fueron los
siguientes:
Autocartera
2022
2021
2020
M\u00ednimo
M\u00e1ximo
Cierre
M\u00ednimo
M\u00e1ximo
Cierre
M\u00ednimo
M\u00e1ximo
Cierre
% de acciones en autocartera
0,078 %
7,492 %
0,094 %
0,108 %
1,922 %
1,914 %
0,008 %
0,464 %
0,215 %
A 31 de diciembre de 2022, 2021 y 2020, el n\u00famero de acciones de BBVA aceptadas en concepto de garant\u00eda de las financiaciones
concedidas por el Grupo, era el siguiente:
Acciones de BBVA aceptadas en concepto de garant\u00eda
2022
2021
2020
N\u00famero de acciones en garant\u00eda
23.437.363
29.372.853
39.407.590
Valor nominal por acci\u00f3n (en euros)
0,49
0,49
0,49
Porcentaje que representan sobre el capital
0,39 %
0,44 %
0,59 %
El n\u00famero de acciones de BBVA propiedad de terceros pero gestionadas por alguna sociedad del Grupo a 31 de diciembre de 2022,
2021 y 2020, era el siguiente:
Acciones de BBVA propiedad de terceros gestionado por el Grupo
2022
2021
2020
N\u00famero de acciones propiedad de terceros
18.686.027
17.645.506
18.266.509
Valor nominal por acci\u00f3n (en euros)
0,49
0,49
0,49
Porcentaje que representan sobre el capital
0,31 %
0,26 %
0,27 %
", "dimensions": { "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV80OTkvZnJhZzpiYWQ1ZTJmMTRhZWI0NDNkODYzOTc2ODM3NTU1ODgxMy90ZXh0cmVnaW9uOmJhZDVlMmYxNGFlYjQ0M2Q4NjM5NzY4Mzc1NTU4ODEzXzQyMzMxMTk3NjcwNTY3_ddfeb4fc-97d7-4091-b87c-aaf2fd54813c": { "value": "Intereses minoritarios
El detalle, por subgrupos de sociedades consolidadas, del cap\u00edtulo \u201cIntereses minoritarios (Participaciones no dominantes)\u201d de los
balances consolidados adjuntos es el siguiente:
Intereses minoritarios (participaciones no dominantes). Desglose por subgrupos (Millones de euros)
2022
2021
2020
Garanti BBVA (1)
1.180
2.851
3.692
BBVA Per\u00fa
1.469
1.212
1.171
BBVA Argentina
687
557
416
BBVA Colombia
73
76
70
BBVA Venezuela
95
70
65
Otras sociedades
119
87
56
Total
3.624
4.853
5.471
(1) La variaci\u00f3n corresponde principalmente a la OPA voluntaria sobre la totalidad del capital social de T\u00fcrkiye Garanti Bankas\u0131 A.\u015e. finalizada el 18 de mayo de 2022 (ver Nota 3).
Seguidamente se detallan, por subgrupos de sociedades consolidadas, los importes registrados en el cap\u00edtulo \u201cAtribuible a intereses
minoritarios (participaciones no dominantes)\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas:
Resultado del periodo atribuible a intereses minoritarios (participaciones no dominantes). Desglose por subgrupos
(Millones de euros)
2022
2021
2020
Garanti BBVA (1)
29
758
579
BBVA Per\u00fa
236
143
126
BBVA Argentina
83
26
38
BBVA Colombia
5
9
6
BBVA Venezuela
22
3
2
Otras sociedades
32
25
5
Total
407
965
756
(1) La variaci\u00f3n se corresponde principalmente con la aplicaci\u00f3n de la NIC 29 y con la OPA voluntaria sobre la totalidad del capital social de T\u00fcrkiye Garanti Bankas\u0131 A.\u015e. finalizada
el 18 de mayo de 2022 (ver Notas 2.2.19 y 3).
Los dividendos repartidos a los minoritarios de las siguientes entidades del Grupo en el ejercicio 2022 han sido: Grupo BBVA Banco
Continental 109 millones de euros, Grupo Garanti 49 millones de euros y el resto de entidades del Grupo 27 millones de euros.
", "dimensions": { "concept": "ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81MTEvZnJhZzo5MGM5OTRhNDU5ZDM0ODEyYTAzYmFlZDFmMWIzOTljOC90ZXh0cmVnaW9uOjkwYzk5NGE0NTlkMzQ4MTJhMDNiYWVkMWYxYjM5OWM4XzQyMzMxMTk3NjczMjQ0_3e61dd4d-490d-4d08-b5c6-fa02397f70f4": { "value": "Gesti\u00f3n de capital
La gesti\u00f3n de capital de BBVA tiene como finalidad asegurar que tanto BBVA como el Grupo cuentan en cada momento con el capital
necesario para desarrollar la estrategia corporativa que se encuentre recogida en el Plan Estrat\u00e9gico, de forma alineada con el perfil
de riesgo establecido en el Marco de Apetito de Riesgo del Grupo.
En este sentido, la gesti\u00f3n de capital de BBVA forma parte, adem\u00e1s, del resto de las decisiones estrat\u00e9gico-prospectivas m\u00e1s
relevantes en la gesti\u00f3n y control del Grupo, como son el Presupuesto anual y el Plan de Liquidez y Financiaci\u00f3n, con las que se
coordina; todo ello, orientado a la consecuci\u00f3n de la estrategia general del Grupo.
La necesidad de preservar en todo momento la solvencia de BBVA y su Grupo requiere de una asignaci\u00f3n \u00f3ptima del capital que,
junto con el perfil de riesgo del Grupo en t\u00e9rminos de solvencia recogido en el Marco de Apetito al Riesgo (RAF), sirve como gu\u00eda para
la gesti\u00f3n de capital del Grupo y se traduce en la necesidad de contar, de forma continua, con una s\u00f3lida posici\u00f3n de capital que
permita:
\u2013anticipar consumos ordinarios y extraordinarios que se puedan producir, incluso en una situaci\u00f3n de estr\u00e9s;
\u2013promover el desarrollo del negocio del Grupo y alinearlo con los objetivos de capital y de rentabilidad, mediante una
asignaci\u00f3n de los recursos adecuada y eficiente;
\u2013cubrir todos los riesgos \u2013 incluso potenciales \u2013 a los que se expone;
\u2013cumplir en todo momento con los requerimientos regulatorios e internos de gesti\u00f3n; y
\u2013remunerar a los accionistas de BBVA de acuerdo con la Pol\u00edtica de Remuneraci\u00f3n al Accionista vigente en cada momento.
Las \u00e1reas involucradas en la gesti\u00f3n de capital en el Grupo deber\u00e1n seguir y respetar los siguientes principios en sus respectivos
\u00e1mbitos de responsabilidades:
\u2013Asegurar que la gesti\u00f3n de capital se integra y es coherente con el Plan Estrat\u00e9gico, el RAF, el Presupuesto anual y el resto
de procesos estrat\u00e9gico-prospectivos del Grupo, contribuyendo a alcanzar la sostenibilidad del Grupo a largo plazo.
\u2013Tener en cuenta tanto los requerimientos regulatorios y supervisores aplicables como los riesgos a los que est\u00e9 \u2013o pueda
estar\u2013 expuesto el Grupo en el desarrollo de sus negocios (visi\u00f3n econ\u00f3mica) a la hora de establecer un nivel de capital
objetivo, todo ello con una visi\u00f3n prospectiva (forward-looking) y que tome en consideraci\u00f3n escenarios adversos.
\u2013Llevar a cabo una asignaci\u00f3n eficiente de capital que promueva el buen desarrollo de los negocios, vigilando que las
expectativas de evoluci\u00f3n de actividad cumplen con los objetivos estrat\u00e9gicos del Grupo y anticipando los consumos
ordinarios y extraordinarios que puedan producirse.
\u2013Asegurar el cumplimiento de los niveles de solvencia, incluyendo MREL, requeridos en cada momento.
\u2013Remunerar de manera adecuada y sostenible a los accionistas de BBVA.
\u2013Optimizar el coste del conjunto de los instrumentos que sirvan para alcanzar, en cada momento, el nivel de capital objetivo.
Para alcanzar los principios enumerados, la gesti\u00f3n de capital se articular\u00e1 sobre la base de los siguientes elementos esenciales:
\u2013Un esquema de gobierno y de gesti\u00f3n adecuado, tanto a nivel de \u00f3rganos sociales como a nivel ejecutivo.
\u2013Una adecuada planificaci\u00f3n, gesti\u00f3n y monitorizaci\u00f3n del capital, contando para ello con los sistemas de medici\u00f3n,
herramientas, estructuras, recursos y datos de calidad que resulten necesarios.
\u2013Un conjunto de m\u00e9tricas, debidamente actualizado, que facilite el seguimiento de la situaci\u00f3n de capital, y que permita
identificar cualquier desviaci\u00f3n relevante del nivel de capital objetivo.
\u2013Una comunicaci\u00f3n y difusi\u00f3n de la informaci\u00f3n relativa a capital fuera del Grupo transparente, correcta, consistente y
puntual.
\u2013Un cuerpo normativo a nivel interno, debidamente actualizado, incluyendo las normas y procedimientos que permitan
asegurar una gesti\u00f3n de capital adecuada.
", "dimensions": { "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81MTcvZnJhZzplYmY0NjBiNmNkMmQ0Y2RkOGUyMGZiYjJiMjA1ZWI4OS90ZXh0cmVnaW9uOmViZjQ2MGI2Y2QyZDRjZGQ4ZTIwZmJiMmIyMDVlYjg5XzQyMzMxMTk3NjY5NTQ3_3a5c3697-78ec-4db6-8dbc-c56e92b804db": { "value": "Otros activos y pasivos contingentes
A 31 de diciembre de 2022, 2021 y 2020 no exist\u00edan activos y pasivos contingentes por importes significativos distintos de los
mencionados en estas Notas.
", "dimensions": { "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81MjYvZnJhZzpiNDg2OGZmYmFlYjE0NTVhOWY2MWQ3NDE4MDVlN2M0MC90ZXh0cmVnaW9uOmI0ODY4ZmZiYWViMTQ1NWE5ZjYxZDc0MTgwNWU3YzQwXzQyODgwOTUzNDgzMjg3_fd0a152e-8bc5-4067-81aa-87bf355146f2": { "value": "Margen de interesesIngresos por intereses y otros ingresos similares
A continuaci\u00f3n, se detalla el origen de los ingresos por intereses y otros ingresos similares registrados en las cuentas de p\u00e9rdidas y
ganancias consolidadas adjuntas:
Ingresos por intereses y otros ingresos similares. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Activos financieros mantenidos para negociar
2.079
1.084
1.189
Activos financieros a valor razonable con cambios en otro resultado global
3.110
1.880
1.392
Activos financieros a coste amortizado
25.258
18.364
18.357
Actividad de seguros
1.309
1.084
1.021
Rectificaci\u00f3n de ingresos con origen en coberturas contables
(825)
(84)
(112)
Otros ingresos (1)
501
686
542
Total
31.432
23.015
22.389
(1) El saldo incluye 177, 384 y 211 millones de euros a 31 de diciembre de 2022, 2021 y 2020, respectivamente, correspondiente al importe neto de los intereses devengados por
las operaciones del TLTRO III (Ver Nota 22.1).
Los importes originados por derivados de cobertura y reconocidos en el patrimonio neto consolidado durante los ejercicios 2022,
2021 y 2020 y los que fueron dados de baja del patrimonio neto consolidado e incluidos en los resultados consolidados en dichos
ejercicios se muestran en los \u201cEstados de ingresos y gastos reconocidos consolidados\u201d.
Gastos por intereses
El desglose del saldo de este cap\u00edtulo de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos por intereses. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Pasivos financieros mantenidos para negociar
1.140
1.339
742
Pasivos financieros designados a valor razonable con cambios en resultados
58
52
61
Pasivos financieros a coste amortizado
9.985
6.130
6.346
Rectificaci\u00f3n de costes con origen en coberturas contables
(232)
(360)
(413)
Actividad de seguros
919
773
721
Coste imputable a los fondos de pensiones constituidos
76
52
57
Otros gastos
333
342
284
Total
12.279
8.329
7.797
", "dimensions": { "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81MjkvZnJhZzpjM2Q3MjhmNmUzNTY0NDhkYWFkMTUyOTQxNjcwYjFlOC90ZXh0cmVnaW9uOmMzZDcyOGY2ZTM1NjQ0OGRhYWQxNTI5NDE2NzBiMWU4XzQyMzMxMTk3NjcwMjEw_05f646cc-f5e4-49f8-a0be-10dfbcab62b5": { "value": "Ingresos por intereses y otros ingresos similares
A continuaci\u00f3n, se detalla el origen de los ingresos por intereses y otros ingresos similares registrados en las cuentas de p\u00e9rdidas y
ganancias consolidadas adjuntas:
Ingresos por intereses y otros ingresos similares. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Activos financieros mantenidos para negociar
2.079
1.084
1.189
Activos financieros a valor razonable con cambios en otro resultado global
3.110
1.880
1.392
Activos financieros a coste amortizado
25.258
18.364
18.357
Actividad de seguros
1.309
1.084
1.021
Rectificaci\u00f3n de ingresos con origen en coberturas contables
(825)
(84)
(112)
Otros ingresos (1)
501
686
542
Total
31.432
23.015
22.389
(1) El saldo incluye 177, 384 y 211 millones de euros a 31 de diciembre de 2022, 2021 y 2020, respectivamente, correspondiente al importe neto de los intereses devengados por
las operaciones del TLTRO III (Ver Nota 22.1).
Los importes originados por derivados de cobertura y reconocidos en el patrimonio neto consolidado durante los ejercicios 2022,
2021 y 2020 y los que fueron dados de baja del patrimonio neto consolidado e incluidos en los resultados consolidados en dichos
ejercicios se muestran en los \u201cEstados de ingresos y gastos reconocidos consolidados\u201d.
El desglose de los ingresos por comisiones de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Ingresos por comisiones. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Efectos de cobro
26
23
27
Cuentas a la vista
424
425
322
Tarjetas de cr\u00e9dito y d\u00e9bito y TPV
3.499
2.628
2.089
Cheques
162
136
136
Transferencias, giros y otras \u00f3rdenes
812
664
555
Productos de seguros
261
215
159
Compromisos de pr\u00e9stamo concedidos
259
234
185
Otros compromisos y garant\u00edas financieras concedidos
420
364
349
Gesti\u00f3n de activos
1.228
1.250
1.100
Comisiones por t\u00edtulos
266
267
367
Administraci\u00f3n y custodia de t\u00edtulos
193
169
135
Otras comisiones
711
622
556
Total
8.261
6.997
5.980
", "dimensions": { "concept": "ifrs-full:DisclosureOfFinanceIncomeExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81MjkvZnJhZzpjM2Q3MjhmNmUzNTY0NDhkYWFkMTUyOTQxNjcwYjFlOC90ZXh0cmVnaW9uOmMzZDcyOGY2ZTM1NjQ0OGRhYWQxNTI5NDE2NzBiMWU4XzQyMzMxMTk3NjcwMjEw_941ee3af-1a0f-4b42-9ddb-cef75ec4f382": { "value": "Ingresos por intereses y otros ingresos similares
A continuaci\u00f3n, se detalla el origen de los ingresos por intereses y otros ingresos similares registrados en las cuentas de p\u00e9rdidas y
ganancias consolidadas adjuntas:
Ingresos por intereses y otros ingresos similares. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Activos financieros mantenidos para negociar
2.079
1.084
1.189
Activos financieros a valor razonable con cambios en otro resultado global
3.110
1.880
1.392
Activos financieros a coste amortizado
25.258
18.364
18.357
Actividad de seguros
1.309
1.084
1.021
Rectificaci\u00f3n de ingresos con origen en coberturas contables
(825)
(84)
(112)
Otros ingresos (1)
501
686
542
Total
31.432
23.015
22.389
(1) El saldo incluye 177, 384 y 211 millones de euros a 31 de diciembre de 2022, 2021 y 2020, respectivamente, correspondiente al importe neto de los intereses devengados por
las operaciones del TLTRO III (Ver Nota 22.1).
Los importes originados por derivados de cobertura y reconocidos en el patrimonio neto consolidado durante los ejercicios 2022,
2021 y 2020 y los que fueron dados de baja del patrimonio neto consolidado e incluidos en los resultados consolidados en dichos
ejercicios se muestran en los \u201cEstados de ingresos y gastos reconocidos consolidados\u201d.
", "dimensions": { "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81MjkvZnJhZzpjM2Q3MjhmNmUzNTY0NDhkYWFkMTUyOTQxNjcwYjFlOC90ZXh0cmVnaW9uOmMzZDcyOGY2ZTM1NjQ0OGRhYWQxNTI5NDE2NzBiMWU4XzQyMzMxMTk3NjcwMjEw_cf5954c7-7c04-42ac-9c73-f86f84b18884": { "value": "Ingresos por intereses y otros ingresos similares
A continuaci\u00f3n, se detalla el origen de los ingresos por intereses y otros ingresos similares registrados en las cuentas de p\u00e9rdidas y
ganancias consolidadas adjuntas:
Ingresos por intereses y otros ingresos similares. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Activos financieros mantenidos para negociar
2.079
1.084
1.189
Activos financieros a valor razonable con cambios en otro resultado global
3.110
1.880
1.392
Activos financieros a coste amortizado
25.258
18.364
18.357
Actividad de seguros
1.309
1.084
1.021
Rectificaci\u00f3n de ingresos con origen en coberturas contables
(825)
(84)
(112)
Otros ingresos (1)
501
686
542
Total
31.432
23.015
22.389
(1) El saldo incluye 177, 384 y 211 millones de euros a 31 de diciembre de 2022, 2021 y 2020, respectivamente, correspondiente al importe neto de los intereses devengados por
las operaciones del TLTRO III (Ver Nota 22.1).
Los importes originados por derivados de cobertura y reconocidos en el patrimonio neto consolidado durante los ejercicios 2022,
2021 y 2020 y los que fueron dados de baja del patrimonio neto consolidado e incluidos en los resultados consolidados en dichos
ejercicios se muestran en los \u201cEstados de ingresos y gastos reconocidos consolidados\u201d.
Gastos por intereses
El desglose del saldo de este cap\u00edtulo de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos por intereses. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Pasivos financieros mantenidos para negociar
1.140
1.339
742
Pasivos financieros designados a valor razonable con cambios en resultados
58
52
61
Pasivos financieros a coste amortizado
9.985
6.130
6.346
Rectificaci\u00f3n de costes con origen en coberturas contables
(232)
(360)
(413)
Actividad de seguros
919
773
721
Coste imputable a los fondos de pensiones constituidos
76
52
57
Otros gastos
333
342
284
Total
12.279
8.329
7.797
Ingresos y gastos por comisiones
El desglose de los ingresos por comisiones de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Ingresos por comisiones. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Efectos de cobro
26
23
27
Cuentas a la vista
424
425
322
Tarjetas de cr\u00e9dito y d\u00e9bito y TPV
3.499
2.628
2.089
Cheques
162
136
136
Transferencias, giros y otras \u00f3rdenes
812
664
555
Productos de seguros
261
215
159
Compromisos de pr\u00e9stamo concedidos
259
234
185
Otros compromisos y garant\u00edas financieras concedidos
420
364
349
Gesti\u00f3n de activos
1.228
1.250
1.100
Comisiones por t\u00edtulos
266
267
367
Administraci\u00f3n y custodia de t\u00edtulos
193
169
135
Otras comisiones
711
622
556
Total
8.261
6.997
5.980
El desglose de los gastos por comisiones de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos por comisiones. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Cuentas a la vista
5
5
5
Tarjetas de cr\u00e9dito y d\u00e9bito
1.884
1.427
1.130
Transferencias, giros y otras \u00f3rdenes de pago
133
120
97
Comisiones por la venta de seguros
70
51
54
Administraci\u00f3n y custodia de t\u00edtulos
92
55
52
Otras comisiones
723
574
519
Total
2.907
2.232
1.857
", "dimensions": { "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81MzIvZnJhZzoyNDA4MzFhYTc3MTk0MGNkOWU2ZGMwYzM2NDAyY2MyNy90ZXh0cmVnaW9uOjI0MDgzMWFhNzcxOTQwY2Q5ZTZkYzBjMzY0MDJjYzI3XzQyMzMxMTk3NjY5NTA4_7a19aadb-445a-40a2-af8d-ac4060da7399": { "value": "Gastos por intereses
El desglose del saldo de este cap\u00edtulo de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos por intereses. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Pasivos financieros mantenidos para negociar
1.140
1.339
742
Pasivos financieros designados a valor razonable con cambios en resultados
58
52
61
Pasivos financieros a coste amortizado
9.985
6.130
6.346
Rectificaci\u00f3n de costes con origen en coberturas contables
(232)
(360)
(413)
Actividad de seguros
919
773
721
Coste imputable a los fondos de pensiones constituidos
76
52
57
Otros gastos
333
342
284
Total
12.279
8.329
7.797
", "dimensions": { "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81MzIvZnJhZzoyNDA4MzFhYTc3MTk0MGNkOWU2ZGMwYzM2NDAyY2MyNy90ZXh0cmVnaW9uOjI0MDgzMWFhNzcxOTQwY2Q5ZTZkYzBjMzY0MDJjYzI3XzQyMzMxMTk3NjY5NTA4_b7bd8b7a-60e0-41a5-9ecd-9e045b6d2a11": { "value": "Gastos por intereses
El desglose del saldo de este cap\u00edtulo de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos por intereses. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Pasivos financieros mantenidos para negociar
1.140
1.339
742
Pasivos financieros designados a valor razonable con cambios en resultados
58
52
61
Pasivos financieros a coste amortizado
9.985
6.130
6.346
Rectificaci\u00f3n de costes con origen en coberturas contables
(232)
(360)
(413)
Actividad de seguros
919
773
721
Coste imputable a los fondos de pensiones constituidos
76
52
57
Otros gastos
333
342
284
Total
12.279
8.329
7.797
El desglose de los gastos por comisiones de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos por comisiones. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Cuentas a la vista
5
5
5
Tarjetas de cr\u00e9dito y d\u00e9bito
1.884
1.427
1.130
Transferencias, giros y otras \u00f3rdenes de pago
133
120
97
Comisiones por la venta de seguros
70
51
54
Administraci\u00f3n y custodia de t\u00edtulos
92
55
52
Otras comisiones
723
574
519
Total
2.907
2.232
1.857
", "dimensions": { "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81MzgvZnJhZzozYWI4YjAxMjc3ZTA0NThhOWE4ZjdhOTY3NTM4ODk0OC90ZXh0cmVnaW9uOjNhYjhiMDEyNzdlMDQ1OGE5YThmN2E5Njc1Mzg4OTQ4XzQyMzMxMTk3NjY5ODM2_f1a3185c-6f2c-46ac-a63d-1b0e2accfb82": { "value": "Resultados de entidades valoradas por el m\u00e9todo de la participaci\u00f3n
El ep\u00edgrafe \u201cResultados de entidades valoradas por el m\u00e9todo de la participaci\u00f3n\u201d presenta un beneficio de 21 millones de euros en el
ejercicio 2022, comparado con 1 mill\u00f3n de euros de beneficio en el ejercicio 2021 y 39 millones de euros de p\u00e9rdidas registrados en
2020.
Variaciones y notificaciones de participaciones en el Grupo BBVA en el ejercicio 2022
(Continuaci\u00f3n)
Adquisiciones o aumento de participaci\u00f3n en entidades asociadas y negocios conjuntos por el
m\u00e9todo de la participaci\u00f3n
Sociedad participada (1)
Tipo de transacci\u00f3n
Porcentaje de
participaci\u00f3n en el capital
social, tras la transacci\u00f3n.
Fecha efectiva de la
transacci\u00f3n (o en su caso
fecha de notificaci\u00f3n)
NUEVO MARKETPLACE, S.L.
AMPLIACI\u00d3N
28,16
30-sept.-22
ATOM HOLDCO LIMITED
CONSTITUCI\u00d3N
42,77
30-nov.-22
SOLARIS SE (2)
AMPLIACI\u00d3N
15,51
04-nov.-22
(1) No se han tenido en cuenta las variaciones inferiores a 0.1% por inmaterialidad
(2) El porcentaje de derechos de voto pose\u00eddos por las entidades del grupo en esta sociedad es 22,22%.
Ventas o disminuci\u00f3n de participaci\u00f3n en entidades asociadas y negocios conjuntos por el m\u00e9todo
de la participaci\u00f3n
Sociedad participada (1)
Tipo de transacci\u00f3n
Porcentaje de
participaci\u00f3n en el capital
social, tras la transacci\u00f3n.
Fecha efectiva de la
transacci\u00f3n (o en su caso
fecha de notificaci\u00f3n)
IRB RIESGO OPERACIONAL SL
REDUCCI\u00d3N DE CAPITAL
\u2014
11-ene.-22
DESARROLLOS METROPOLITANOS DEL SUR, S.L.
VENTA
\u2014
16-jun.-22
ATOM BANK PLC
TRASPASO
PARTICIPACI\u00d3N
\u2014
01-nov.-22
PRIVACYCLOUD S.L.
VENTA
\u2014
15-dic.-22
(1) No se han tenido en cuenta las variaciones inferiores a 0.1% por inmaterialidad.
", "dimensions": { "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81MzgvZnJhZzozYWI4YjAxMjc3ZTA0NThhOWE4ZjdhOTY3NTM4ODk0OC90ZXh0cmVnaW9uOjNhYjhiMDEyNzdlMDQ1OGE5YThmN2E5Njc1Mzg4OTQ4XzE4MQ_e99fd9fb-1fbf-484b-8c78-8ac2d815854b": { "value": "21000000.0", "decimals": -6, "dimensions": { "concept": "ifrs-full:ShareOfProfitLossOfAssociatesAndJointVenturesAccountedForUsingEquityMethod", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00", "unit": "iso4217:EUR" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NDEvZnJhZzplMzZkZjNiNTc3YzA0NWUyYWFhMDA5ODlkZjA5NzZjZC90ZXh0cmVnaW9uOmUzNmRmM2I1NzdjMDQ1ZTJhYWEwMDk4OWRmMDk3NmNkXzQyMzMxMTk3NjY5NjUy_43b248bc-8d24-427e-bae0-307c1a54178b": { "value": "Ingresos y gastos por comisiones
El desglose de los ingresos por comisiones de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Ingresos por comisiones. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Efectos de cobro
26
23
27
Cuentas a la vista
424
425
322
Tarjetas de cr\u00e9dito y d\u00e9bito y TPV
3.499
2.628
2.089
Cheques
162
136
136
Transferencias, giros y otras \u00f3rdenes
812
664
555
Productos de seguros
261
215
159
Compromisos de pr\u00e9stamo concedidos
259
234
185
Otros compromisos y garant\u00edas financieras concedidos
420
364
349
Gesti\u00f3n de activos
1.228
1.250
1.100
Comisiones por t\u00edtulos
266
267
367
Administraci\u00f3n y custodia de t\u00edtulos
193
169
135
Otras comisiones
711
622
556
Total
8.261
6.997
5.980
El desglose de los gastos por comisiones de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos por comisiones. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Cuentas a la vista
5
5
5
Tarjetas de cr\u00e9dito y d\u00e9bito
1.884
1.427
1.130
Transferencias, giros y otras \u00f3rdenes de pago
133
120
97
Comisiones por la venta de seguros
70
51
54
Administraci\u00f3n y custodia de t\u00edtulos
92
55
52
Otras comisiones
723
574
519
Total
2.907
2.232
1.857
", "dimensions": { "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NDEvZnJhZzplMzZkZjNiNTc3YzA0NWUyYWFhMDA5ODlkZjA5NzZjZC90ZXh0cmVnaW9uOmUzNmRmM2I1NzdjMDQ1ZTJhYWEwMDk4OWRmMDk3NmNkXzQyMzMxMTk3NjY5NjUz_40ad6fd0-2747-4739-b4b4-335919bb1aaa": { "value": "
El desglose de los gastos por comisiones de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos por comisiones. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Cuentas a la vista
5
5
5
Tarjetas de cr\u00e9dito y d\u00e9bito
1.884
1.427
1.130
Transferencias, giros y otras \u00f3rdenes de pago
133
120
97
Comisiones por la venta de seguros
70
51
54
Administraci\u00f3n y custodia de t\u00edtulos
92
55
52
Otras comisiones
723
574
519
Total
2.907
2.232
1.857
El desglose del saldo del cap\u00edtulo \u201cOtros gastos de explotaci\u00f3n\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros gastos de explotaci\u00f3n (Millones de euros)
2022
2021
2020
Variaci\u00f3n de existencias
134
151
124
Fondos garant\u00eda de dep\u00f3sitos y resoluci\u00f3n
997
829
800
Ajustes por hiperinflaci\u00f3n (1)
1.687
585
348
Resto de gastos de explotaci\u00f3n
620
475
390
Total
3.438
2.041
1.662
Gastos de personal
La composici\u00f3n del saldo de este ep\u00edgrafe de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos de personal (Millones de euros)
Notas
2022
2021
2020
Sueldos y salarios
4.317
3.933
3.610
Seguridad Social
710
668
671
Contribuciones a fondos de pensiones de aportaci\u00f3n definida
25
87
71
72
Dotaciones a planes por pensiones de prestaci\u00f3n definida
25
43
49
49
Otros gastos de personal
454
325
293
Total
5.612
5.046
4.695
Otros gastos de administraci\u00f3n
El desglose del saldo de este ep\u00edgrafe de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros gastos de administraci\u00f3n. Desglose por principales conceptos (Millones de euros)
2022
2021
2020
Tecnolog\u00eda y sistemas
1.394
1.176
1.088
Comunicaciones
195
175
172
Publicidad
282
207
186
Inmuebles, instalaciones y material
440
380
404
Tributos
370
347
344
Servicio de transporte de fondos, vigilancia y seguridad
214
179
161
Otros gastos de administraci\u00f3n
925
786
749
Total
3.820
3.249
3.105
", "dimensions": { "concept": "ifrs-full:DisclosureOfExpensesByNatureExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NDEvZnJhZzplMzZkZjNiNTc3YzA0NWUyYWFhMDA5ODlkZjA5NzZjZC90ZXh0cmVnaW9uOmUzNmRmM2I1NzdjMDQ1ZTJhYWEwMDk4OWRmMDk3NmNkXzQyMzMxMTk3NjY5NjUz_6045aeab-e9a9-4566-82dd-08510c0ffda4": { "value": "
El desglose de los gastos por comisiones de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos por comisiones. Desglose seg\u00fan su origen (Millones de euros)
2022
2021
2020
Cuentas a la vista
5
5
5
Tarjetas de cr\u00e9dito y d\u00e9bito
1.884
1.427
1.130
Transferencias, giros y otras \u00f3rdenes de pago
133
120
97
Comisiones por la venta de seguros
70
51
54
Administraci\u00f3n y custodia de t\u00edtulos
92
55
52
Otras comisiones
723
574
519
Total
2.907
2.232
1.857
El desglose del saldo del cap\u00edtulo \u201cOtros gastos de explotaci\u00f3n\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros gastos de explotaci\u00f3n (Millones de euros)
2022
2021
2020
Variaci\u00f3n de existencias
134
151
124
Fondos garant\u00eda de dep\u00f3sitos y resoluci\u00f3n
997
829
800
Ajustes por hiperinflaci\u00f3n (1)
1.687
585
348
Resto de gastos de explotaci\u00f3n
620
475
390
Total
3.438
2.041
1.662
Gastos de personal
La composici\u00f3n del saldo de este ep\u00edgrafe de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos de personal (Millones de euros)
Notas
2022
2021
2020
Sueldos y salarios
4.317
3.933
3.610
Seguridad Social
710
668
671
Contribuciones a fondos de pensiones de aportaci\u00f3n definida
25
87
71
72
Dotaciones a planes por pensiones de prestaci\u00f3n definida
25
43
49
49
Otros gastos de personal
454
325
293
Total
5.612
5.046
4.695
Otros gastos de administraci\u00f3n
El desglose del saldo de este ep\u00edgrafe de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros gastos de administraci\u00f3n. Desglose por principales conceptos (Millones de euros)
2022
2021
2020
Tecnolog\u00eda y sistemas
1.394
1.176
1.088
Comunicaciones
195
175
172
Publicidad
282
207
186
Inmuebles, instalaciones y material
440
380
404
Tributos
370
347
344
Servicio de transporte de fondos, vigilancia y seguridad
214
179
161
Otros gastos de administraci\u00f3n
925
786
749
Total
3.820
3.249
3.105
", "dimensions": { "concept": "ifrs-full:DisclosureOfExpensesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NDQvZnJhZzplYzAwMjFmMjBmODg0NDg1Yjc1NGNhN2FjMDBlN2FjNC90ZXh0cmVnaW9uOmVjMDAyMWYyMGY4ODQ0ODViNzU0Y2E3YWMwMGU3YWM0XzQyMzMxMTk3NjcwMDMx_e1b6b25a-e84a-4134-aa76-c045de6a24df": { "value": "Ganancias (p\u00e9rdidas) por activos y pasivos financieros, contabilidad de coberturas
y diferencias de cambio, netas
El desglose de los saldos de estos cap\u00edtulos de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas, en funci\u00f3n del origen de
las partidas que lo conforman, es:
Ganancias (p\u00e9rdidas) por activos y pasivos financieros, contabilidad de coberturas y diferencias de cambio, netas
(Millones de euros)
2022
2021
2020
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos y pasivos financieros no valorados
a valor razonable con cambios en resultados, netas
64
134
139
Activos financieros a coste amortizado
8
27
106
Restantes activos y pasivos financieros
56
106
33
Ganancias (p\u00e9rdidas) por activos y pasivos financieros mantenidos para negociar, netas
562
341
777
Reclasificaci\u00f3n de activos financieros desde valor razonable con cambios en otro
resultado global
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de activos financieros desde coste amortizado
\u2014
\u2014
\u2014
Otras ganancias (p\u00e9rdidas)
562
341
777
Ganancias (p\u00e9rdidas) por activos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados, netas
(67)
432
208
Reclasificaci\u00f3n de activos financieros desde valor razonable con cambios en otro
resultado global
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de activos financieros desde coste amortizado
\u2014
\u2014
\u2014
Otras ganancias (p\u00e9rdidas)
(67)
432
208
Ganancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con
cambios en resultados, netas
150
335
56
Ganancias (p\u00e9rdidas) resultantes de la contabilidad de coberturas, netas
(45)
(214)
7
Subtotal ganancias (p\u00e9rdidas) por activos y pasivos financieros
663
1.027
1.187
Diferencias de cambio, netas
1.275
883
359
Total
1.938
1.910
1.546
El desglose del impacto de los derivados (tanto de negociaci\u00f3n como de cobertura) en el saldo de este cap\u00edtulo de las cuentas de
p\u00e9rdidas y ganancias consolidadas adjuntas es:
Derivados de negociaci\u00f3n y contabilidad de coberturas (Millones de euros)
2022
2021
2020
Derivados
Contratos de tipos de inter\u00e9s
522
73
269
Contratos de valores
1.653
(1.500)
(36)
Contratos de materias primas
4
3
1
Contratos de derivados de cr\u00e9dito
16
(255)
(89)
Contratos de derivados de tipos de cambio
(658)
40
88
Otros contratos
(131)
(12)
37
Subtotal
1.406
(1.651)
270
Ineficiencias de la contabilidad de coberturas
\u2014
Coberturas de valor razonable
(51)
(235)
5
Derivado de cobertura
(229)
90
(151)
Elemento cubierto
178
(325)
156
Coberturas de flujos de efectivo
6
21
2
Subtotal
(45)
(214)
7
Total
1.361
(1.866)
277
", "dimensions": { "concept": "ifrs-full:DisclosureOfTradingIncomeExpenseExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NTAvZnJhZzpjNGIzOWZkYjMwNTI0NWVlYTAzYTU0YjQwYTE3ZGQwNS90ZXh0cmVnaW9uOmM0YjM5ZmRiMzA1MjQ1ZWVhMDNhNTRiNDBhMTdkZDA1XzQyMzMxMTk3NjY5OTkw_0a52aadd-bd16-4111-95af-32301ee1266e": { "value": "Otros ingresos y gastos de explotaci\u00f3n
El desglose del saldo del cap\u00edtulo \u201cOtros ingresos de explotaci\u00f3n\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros ingresos de explotaci\u00f3n (Millones de euros)
2022
2021
2020
Ventas e ingresos por prestaci\u00f3n de servicios no financieros
284
301
244
Resto de ingresos de explotaci\u00f3n
244
360
248
Total
528
661
492
El desglose del saldo del cap\u00edtulo \u201cOtros gastos de explotaci\u00f3n\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros gastos de explotaci\u00f3n (Millones de euros)
2022
2021
2020
Variaci\u00f3n de existencias
134
151
124
Fondos garant\u00eda de dep\u00f3sitos y resoluci\u00f3n
997
829
800
Ajustes por hiperinflaci\u00f3n (1)
1.687
585
348
Resto de gastos de explotaci\u00f3n
620
475
390
Total
3.438
2.041
1.662
El desglose del saldo del cap\u00edtulo \u201cOtros gastos de explotaci\u00f3n\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros gastos de explotaci\u00f3n (Millones de euros)
2022
2021
2020
Variaci\u00f3n de existencias
134
151
124
Fondos garant\u00eda de dep\u00f3sitos y resoluci\u00f3n
997
829
800
Ajustes por hiperinflaci\u00f3n (1)
1.687
585
348
Resto de gastos de explotaci\u00f3n
620
475
390
Total
3.438
2.041
1.662
", "dimensions": { "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NTAvZnJhZzpjNGIzOWZkYjMwNTI0NWVlYTAzYTU0YjQwYTE3ZGQwNS90ZXh0cmVnaW9uOmM0YjM5ZmRiMzA1MjQ1ZWVhMDNhNTRiNDBhMTdkZDA1XzQyMzMxMTk3NjY5OTgz_5b2df54b-089e-4f89-8e2a-fb36316e6a95": { "value": "
El desglose del saldo del cap\u00edtulo \u201cOtros gastos de explotaci\u00f3n\u201d de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros gastos de explotaci\u00f3n (Millones de euros)
2022
2021
2020
Variaci\u00f3n de existencias
134
151
124
Fondos garant\u00eda de dep\u00f3sitos y resoluci\u00f3n
997
829
800
Ajustes por hiperinflaci\u00f3n (1)
1.687
585
348
Resto de gastos de explotaci\u00f3n
620
475
390
Total
3.438
2.041
1.662
La tabla siguiente muestra la aportaci\u00f3n de cada producto de seguros a los ingresos netos de gastos del Grupo en los ejercicios 2022,
2021 y 2020:
Ingresos netos por tipo de producto de seguro (Millones de euros)
2022
2021
2020
Seguros de vida
665
622
497
Individual
585
583
439
Colectivos
79
39
59
Seguros no vida
547
286
480
Hogar
\u2014
\u2014
91
Resto no vida
547
286
389
Total
1.212
908
977
", "dimensions": { "concept": "ifrs-full:DisclosureOfInsurancePremiumRevenueExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NTMvZnJhZzpiZWI2N2M4N2YyYWU0ZGE2YWMyNDgxMjQxNWZiYWVlOC90ZXh0cmVnaW9uOmJlYjY3Yzg3ZjJhZTRkYTZhYzI0ODEyNDE1ZmJhZWU4XzQyMzMxMTk3NjY5ODAy_b0f0325c-bae2-4947-83e9-f46bef8157f6": { "value": "Ingresos y gastos de activos y pasivos amparados por contratos de seguro o
reaseguro
El detalle del saldo de los cap\u00edtulos \u201cIngresos y gastos de activos y pasivos amparados por contratos de seguro o reaseguro\u201d de las
cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Ingresos y gastos de activos y pasivos amparados por contratos de seguro o reaseguro (Millones de euros)
2022
2021
2020
Ingresos de activos amparados por contratos de seguro o reaseguro
3.103
2.593
2.497
Gastos de pasivos amparados por contratos de seguro o reaseguro
(1.892)
(1.685)
(1.520)
Total
1.212
908
977
La tabla siguiente muestra la aportaci\u00f3n de cada producto de seguros a los ingresos netos de gastos del Grupo en los ejercicios 2022,
2021 y 2020:
Ingresos netos por tipo de producto de seguro (Millones de euros)
2022
2021
2020
Seguros de vida
665
622
497
Individual
585
583
439
Colectivos
79
39
59
Seguros no vida
547
286
480
Hogar
\u2014
\u2014
91
Resto no vida
547
286
389
Total
1.212
908
977
", "dimensions": { "concept": "ifrs-full:DisclosureOfClaimsAndBenefitsPaidExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NTYvZnJhZzo0OWNhYTRkNDRiMWU0ZDJiOWMwYjNiNzJkY2VmMWNkYS90ZXh0cmVnaW9uOjQ5Y2FhNGQ0NGIxZTRkMmI5YzBiM2I3MmRjZWYxY2RhXzQyMzMxMTk3NjY5NDA0_bf01fd46-0222-4728-bf75-47395f3751ab": { "value": "Gastos de administraci\u00f3nGastos de personal
La composici\u00f3n del saldo de este ep\u00edgrafe de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos de personal (Millones de euros)
Notas
2022
2021
2020
Sueldos y salarios
4.317
3.933
3.610
Seguridad Social
710
668
671
Contribuciones a fondos de pensiones de aportaci\u00f3n definida
25
87
71
72
Dotaciones a planes por pensiones de prestaci\u00f3n definida
25
43
49
49
Otros gastos de personal
454
325
293
Total
5.612
5.046
4.695
Remuneraciones basadas en acciones
Los importes registrados en el cap\u00edtulo \u201cGastos de personal - Otros gastos de personal\u201d de las cuentas de p\u00e9rdidas y ganancias
consolidadas de los ejercicios 2022, 2021 y 2020, correspondientes a los planes de remuneraciones basados en acciones en vigor en
cada ejercicio, han ascendido a 32, 33 y 16 millones de euros, respectivamente. Dichos importes se registraron con contrapartida en
el ep\u00edgrafe \u201cFondos propios - Otros elementos de patrimonio neto\u201d de los balances consolidados adjuntos, neto del correspondiente
efecto fiscal.
A continuaci\u00f3n, se describen las caracter\u00edsticas de los planes de remuneraciones basados en acciones del Grupo.
Retribuci\u00f3n variable en acciones
BBVA cuenta con un esquema de remuneraci\u00f3n espec\u00edfico aplicable a aquellos empleados cuyas actividades profesionales inciden de
manera significativa en el perfil de riesgo de BBVA y/o de su Grupo (en adelante, \u201cColectivo Identificado\u201d) que implica la entrega de
acciones o instrumentos vinculados a las acciones de BBVA, dise\u00f1ado en el marco de lo establecido en la normativa aplicable a las
entidades de cr\u00e9dito y considerando las mejores pr\u00e1cticas y recomendaciones a nivel local e internacional en esta materia.
En el ejercicio 2022, este esquema de remuneraci\u00f3n queda recogido en las siguientes pol\u00edticas de remuneraciones:
\u2013Pol\u00edtica General de Remuneraciones del Grupo BBVA, aprobada por el Consejo de Administraci\u00f3n el 30 de junio de 2021, de
aplicaci\u00f3n a los empleados y miembros de la Alta Direcci\u00f3n de BBVA (excluyendo a los consejeros ejecutivos de BBVA) y de
las sociedades que conforman su Grupo sobre las cuales BBVA tenga control sobre su gesti\u00f3n. Esta pol\u00edtica recoge en un
cap\u00edtulo espec\u00edfico las reglas espec\u00edficas aplicables al Colectivo Identificado, entre los que se incluye la Alta Direcci\u00f3n de
BBVA.
\u2013Pol\u00edtica de Remuneraciones de los Consejeros de BBVA, aprobada por la Junta General de Accionistas de BBVA celebrada
el 20 de abril de 2021, de aplicaci\u00f3n a los miembros del Consejo de Administraci\u00f3n de BBVA. El sistema de remuneraci\u00f3n de
los consejeros ejecutivos se corresponde, con car\u00e1cter general, con el aplicable a los miembros del Colectivo Identificado,
incorporando ciertas especificidades propias, derivadas de su condici\u00f3n de consejeros.
La retribuci\u00f3n variable de los miembros del Colectivo Identificado queda sometida a las siguientes reglas establecidas en sus
respectivas pol\u00edticas de remuneraciones, y en particular:
\u2013La Retribuci\u00f3n Variable Anual de los miembros del Colectivo Identificado correspondiente a cada ejercicio estar\u00e1 sometida
a ajustes ex ante, de manera que se reducir\u00e1 en el momento de la evaluaci\u00f3n de su desempe\u00f1o en caso de apreciarse un
comportamiento negativo de los resultados del Grupo o de otros par\u00e1metros como el grado de consecuci\u00f3n de los objetivos
presupuestados, y no se generar\u00e1, o se ver\u00e1 reducida en su generaci\u00f3n, en caso de no alcanzarse un determinado nivel de
beneficios y ratio de capital, en atenci\u00f3n a lo establecido en la normativa aplicable en cada momento.
\u2013El 60% de la Retribuci\u00f3n Variable Anual se consolidar\u00e1 y se abonar\u00e1, de darse las condiciones para ello, como regla general,
en el primer cuatrimestre del ejercicio siguiente al que la Retribuci\u00f3n Variable Anual corresponda (la \u201cParte Inicial\u201d). Para
los consejeros ejecutivos, resto de miembros de la Alta Direcci\u00f3n y aquellos miembros del Colectivo Identificado con
retribuciones variables de cuant\u00edas especialmente elevadas, la Parte Inicial se corresponder\u00e1 con un 40% de la Retribuci\u00f3n
Variable Anual. La parte restante quedar\u00e1 diferida en el tiempo (en adelante, la \u201cParte Diferida\u201d) por un periodo de 5 a\u00f1os,
para los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n, y de 4 a\u00f1os para los restantes miembros del
Colectivo Identificado.
\u2013Un 50% de la Retribuci\u00f3n Variable Anual, tanto de la Parte Inicial como de la Parte Diferida, se fijar\u00e1 en acciones de BBVA o
en instrumentos vinculados a las acciones de BBVA. Para los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n
el 60% de la Parte Diferida se fijar\u00e1 en acciones.
\u2013Las acciones o instrumentos concedidos en concepto de Retribuci\u00f3n Variable Anual, tanto de la Parte Inicial como de la
Parte Diferida, ser\u00e1n indisponibles durante un periodo de un a\u00f1o desde su entrega. Lo anterior no ser\u00e1 de aplicaci\u00f3n a las
acciones o instrumentos que proceda enajenar, en su caso, para hacer frente a las obligaciones fiscales derivadas de su
entrega.
\u2013La Parte Diferida de la Retribuci\u00f3n Variable Anual podr\u00e1 verse reducida, pero nunca incrementada, en funci\u00f3n del resultado
de indicadores de evaluaci\u00f3n plurianual alineados con las m\u00e9tricas fundamentales de control y gesti\u00f3n de riesgos del Grupo,
relacionados con la solvencia, la liquidez, la rentabilidad o la creaci\u00f3n de valor.
\u2013Las cantidades en efectivo de la Parte Diferida de la Retribuci\u00f3n Variable Anual que finalmente se consoliden, ser\u00e1n objeto
de actualizaci\u00f3n aplicando el \u00edndice de precios al consumo (IPC) medido como variaci\u00f3n interanual de precios, o
cualesquiera otros criterios establezca a tal efecto el Consejo de Administraci\u00f3n con la misma finalidad.
\u2013La totalidad de la Retribuci\u00f3n Variable Anual correspondiente a cada ejercicio estar\u00e1 sometida a cl\u00e1usulas de reducci\u00f3n de
la retribuci\u00f3n variable (malus) y de recuperaci\u00f3n de la retribuci\u00f3n variable ya satisfecha (clawback) durante la totalidad del
periodo de diferimiento e indisponibilidad, que resultar\u00e1n aplicables en caso de producirse determinadas circunstancias
recogidas en las pol\u00edticas de remuneraciones.
\u2013No se podr\u00e1n utilizar estrategias personales de cobertura o seguros relacionados con la retribuci\u00f3n variable y la
responsabilidad que menoscaben los efectos de alineaci\u00f3n con la gesti\u00f3n prudente de los riesgos.
\u2013El componente variable de la remuneraci\u00f3n correspondiente a un ejercicio (entendido como la suma de todos los
componentes variables de la remuneraci\u00f3n) estar\u00e1 limitado a un importe m\u00e1ximo del 100% del componente fijo de la
remuneraci\u00f3n total (entendido como la suma de todos los componentes fijos de la remuneraci\u00f3n), salvo que la Junta
General de Accionistas de BBVA acuerde elevar dicho porcentaje hasta un m\u00e1ximo del 200%.
\u2013A estos efectos, la Junta General de Accionistas de BBVA celebrada el 18 de marzo de 2022 acord\u00f3 elevar el nivel m\u00e1ximo
de retribuci\u00f3n variable de hasta el 200% del componente fijo de la remuneraci\u00f3n total, a un determinado n\u00famero de
miembros del Colectivo Identificado, en los t\u00e9rminos que se indican en el informe emitido a estos efectos por el Consejo de
Administraci\u00f3n de BBVA en fecha 09 de febrero de 2022.
\u2013Cualquier otro concepto retributivo, distinto de la Retribuci\u00f3n Variable Anual, que tenga la consideraci\u00f3n de remuneraci\u00f3n
variable, estar\u00e1 sujeto a las reglas de concesi\u00f3n, consolidaci\u00f3n y pago que le sean aplicables de acuerdo con la
configuraci\u00f3n del propio elemento retributivo y con su naturaleza.
Durante el ejercicio 2022, conforme a las pol\u00edticas retributivas aplicables, se ha consolidado el derecho del Colectivo Identificado a
recibir un total de 3.420.608 acciones o instrumentos vinculados a las acciones de BBVA correspondientes a la Parte Inicial de la
Retribuci\u00f3n Variable Anual del ejercicio 2021, en su mayor\u00eda, y a otros componentes variables de la remuneraci\u00f3n.
Por otro lado, conforme a la pol\u00edtica de remuneraciones aplicable en el ejercicio 2017, durante el ejercicio 2022 se ha entregado un
total de 106.072 acciones de BBVA correspondientes al segundo pago de la Parte Diferida de la Retribuci\u00f3n Variable Anual del
ejercicio 2017 de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n.
Por \u00faltimo, conforme a la pol\u00edtica de remuneraciones aplicable en el ejercicio 2018, durante el ejercicio 2022 se han entregado al
Colectivo Identificado un total de 3.739.044 acciones de BBVA correspondientes al primer pago de la Parte Diferida de la Retribuci\u00f3n
Variable Anual del ejercicio 2018 de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n y a la totalidad de la Parte
Diferida de la Retribuci\u00f3n Variable Anual del ejercicio 2018 del resto del Colectivo Identificado.
En el caso de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n de BBVA que ten\u00edan tal condici\u00f3n a 31 de diciembre
de 2022, la informaci\u00f3n detallada sobre las acciones entregadas se incluye en la Nota 54.
Por \u00faltimo, en cumplimiento con la regulaci\u00f3n local de Portugal y Brasil, BBVA IFIC y BBVA Brasil Banco de Investimento han
identificado (a nivel individual, respectivamente) a un colectivo en estas \u00e1reas geogr\u00e1ficas cuya retribuci\u00f3n variable anual est\u00e1 sujeta
a determinadas reglas espec\u00edficas de liquidaci\u00f3n y pago recogidas en sus respectivas pol\u00edticas de remuneraciones, en particular:
\u2013Un porcentaje de la retribuci\u00f3n variable anual queda sujeto a un diferimiento de tres a\u00f1os que se pagar\u00e1 por tercios a lo
largo de dicho periodo.
\u2013Un 50% de la retribuci\u00f3n variable anual, tanto de la parte inicial como de la parte diferida, se fijar\u00e1 en acciones de BBVA.
\u2013En BBVA IFIC, las cantidades en efectivo de la parte diferida de la retribuci\u00f3n variable anual, y sujetas a indicadores de
evaluaci\u00f3n plurianual que finalmente se abonen, ser\u00e1n objeto de actualizaci\u00f3n aplicando el \u00edndice de precios al consumo
(IPC) medido como variaci\u00f3n interanual de precios.
\u2013En BBVA Brasil Banco de Investimento, tanto las cantidades en efectivo como las cantidades en acciones de la parte
diferida de la retribuci\u00f3n variable anual ser\u00e1n objeto de actualizaci\u00f3n en efectivo.
De acuerdo al esquema retributivo se\u00f1alado, durante el ejercicio 2022 se ha entregado a este colectivo de Portugal y Brasil un total de
21.774 acciones de BBVA correspondientes a la parte inicial de la retribuci\u00f3n variable anual del ejercicio 2021.
Adicionalmente, durante el ejercicio 2022 se ha entregado a este colectivo de Portugal y Brasil un total de 3.517 acciones de BBVA
correspondientes al primer tercio de la parte diferida de la retribuci\u00f3n variable anual del ejercicio 2020 y 425 euros en concepto de
actualizaci\u00f3n (por las acciones entregadas en Brasil); un total de 4.422 acciones de BBVA correspondientes al segundo tercio de la
parte diferida de la retribuci\u00f3n variable anual 2019 y 1.203 euros en concepto de actualizaci\u00f3n (por las acciones entregadas en Brasil);
y un total de 5.083 acciones de BBVA correspondientes al \u00faltimo tercio de la parte diferida de la retribuci\u00f3n variable anual 2018 y
2.195 euros en concepto de actualizaci\u00f3n (por las acciones entregadas en Brasil).
Otros gastos de administraci\u00f3n
El desglose del saldo de este ep\u00edgrafe de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Otros gastos de administraci\u00f3n. Desglose por principales conceptos (Millones de euros)
2022
2021
2020
Tecnolog\u00eda y sistemas
1.394
1.176
1.088
Comunicaciones
195
175
172
Publicidad
282
207
186
Inmuebles, instalaciones y material
440
380
404
Tributos
370
347
344
Servicio de transporte de fondos, vigilancia y seguridad
214
179
161
Otros gastos de administraci\u00f3n
925
786
749
Total
3.820
3.249
3.105
", "dimensions": { "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NTkvZnJhZzo1OGRhZWMzZWQxOGM0MDUwOGE1NzdkN2E5NjA0YWRjNC90ZXh0cmVnaW9uOjU4ZGFlYzNlZDE4YzQwNTA4YTU3N2Q3YTk2MDRhZGM0XzQyMzMxMTk3NjY5NTEy_469617f5-4a3f-4a65-838b-086b14fb695e": { "value": "Gastos de personal
La composici\u00f3n del saldo de este ep\u00edgrafe de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es:
Gastos de personal (Millones de euros)
Notas
2022
2021
2020
Sueldos y salarios
4.317
3.933
3.610
Seguridad Social
710
668
671
Contribuciones a fondos de pensiones de aportaci\u00f3n definida
25
87
71
72
Dotaciones a planes por pensiones de prestaci\u00f3n definida
25
43
49
49
Otros gastos de personal
454
325
293
Total
5.612
5.046
4.695
Remuneraciones basadas en acciones
Los importes registrados en el cap\u00edtulo \u201cGastos de personal - Otros gastos de personal\u201d de las cuentas de p\u00e9rdidas y ganancias
consolidadas de los ejercicios 2022, 2021 y 2020, correspondientes a los planes de remuneraciones basados en acciones en vigor en
cada ejercicio, han ascendido a 32, 33 y 16 millones de euros, respectivamente. Dichos importes se registraron con contrapartida en
el ep\u00edgrafe \u201cFondos propios - Otros elementos de patrimonio neto\u201d de los balances consolidados adjuntos, neto del correspondiente
efecto fiscal.
A continuaci\u00f3n, se describen las caracter\u00edsticas de los planes de remuneraciones basados en acciones del Grupo.
Retribuci\u00f3n variable en acciones
BBVA cuenta con un esquema de remuneraci\u00f3n espec\u00edfico aplicable a aquellos empleados cuyas actividades profesionales inciden de
manera significativa en el perfil de riesgo de BBVA y/o de su Grupo (en adelante, \u201cColectivo Identificado\u201d) que implica la entrega de
acciones o instrumentos vinculados a las acciones de BBVA, dise\u00f1ado en el marco de lo establecido en la normativa aplicable a las
entidades de cr\u00e9dito y considerando las mejores pr\u00e1cticas y recomendaciones a nivel local e internacional en esta materia.
En el ejercicio 2022, este esquema de remuneraci\u00f3n queda recogido en las siguientes pol\u00edticas de remuneraciones:
\u2013Pol\u00edtica General de Remuneraciones del Grupo BBVA, aprobada por el Consejo de Administraci\u00f3n el 30 de junio de 2021, de
aplicaci\u00f3n a los empleados y miembros de la Alta Direcci\u00f3n de BBVA (excluyendo a los consejeros ejecutivos de BBVA) y de
las sociedades que conforman su Grupo sobre las cuales BBVA tenga control sobre su gesti\u00f3n. Esta pol\u00edtica recoge en un
cap\u00edtulo espec\u00edfico las reglas espec\u00edficas aplicables al Colectivo Identificado, entre los que se incluye la Alta Direcci\u00f3n de
BBVA.
\u2013Pol\u00edtica de Remuneraciones de los Consejeros de BBVA, aprobada por la Junta General de Accionistas de BBVA celebrada
el 20 de abril de 2021, de aplicaci\u00f3n a los miembros del Consejo de Administraci\u00f3n de BBVA. El sistema de remuneraci\u00f3n de
los consejeros ejecutivos se corresponde, con car\u00e1cter general, con el aplicable a los miembros del Colectivo Identificado,
incorporando ciertas especificidades propias, derivadas de su condici\u00f3n de consejeros.
La retribuci\u00f3n variable de los miembros del Colectivo Identificado queda sometida a las siguientes reglas establecidas en sus
respectivas pol\u00edticas de remuneraciones, y en particular:
\u2013La Retribuci\u00f3n Variable Anual de los miembros del Colectivo Identificado correspondiente a cada ejercicio estar\u00e1 sometida
a ajustes ex ante, de manera que se reducir\u00e1 en el momento de la evaluaci\u00f3n de su desempe\u00f1o en caso de apreciarse un
comportamiento negativo de los resultados del Grupo o de otros par\u00e1metros como el grado de consecuci\u00f3n de los objetivos
presupuestados, y no se generar\u00e1, o se ver\u00e1 reducida en su generaci\u00f3n, en caso de no alcanzarse un determinado nivel de
beneficios y ratio de capital, en atenci\u00f3n a lo establecido en la normativa aplicable en cada momento.
\u2013El 60% de la Retribuci\u00f3n Variable Anual se consolidar\u00e1 y se abonar\u00e1, de darse las condiciones para ello, como regla general,
en el primer cuatrimestre del ejercicio siguiente al que la Retribuci\u00f3n Variable Anual corresponda (la \u201cParte Inicial\u201d). Para
los consejeros ejecutivos, resto de miembros de la Alta Direcci\u00f3n y aquellos miembros del Colectivo Identificado con
retribuciones variables de cuant\u00edas especialmente elevadas, la Parte Inicial se corresponder\u00e1 con un 40% de la Retribuci\u00f3n
Variable Anual. La parte restante quedar\u00e1 diferida en el tiempo (en adelante, la \u201cParte Diferida\u201d) por un periodo de 5 a\u00f1os,
para los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n, y de 4 a\u00f1os para los restantes miembros del
Colectivo Identificado.
\u2013Un 50% de la Retribuci\u00f3n Variable Anual, tanto de la Parte Inicial como de la Parte Diferida, se fijar\u00e1 en acciones de BBVA o
en instrumentos vinculados a las acciones de BBVA. Para los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n
el 60% de la Parte Diferida se fijar\u00e1 en acciones.
\u2013Las acciones o instrumentos concedidos en concepto de Retribuci\u00f3n Variable Anual, tanto de la Parte Inicial como de la
Parte Diferida, ser\u00e1n indisponibles durante un periodo de un a\u00f1o desde su entrega. Lo anterior no ser\u00e1 de aplicaci\u00f3n a las
acciones o instrumentos que proceda enajenar, en su caso, para hacer frente a las obligaciones fiscales derivadas de su
entrega.
\u2013La Parte Diferida de la Retribuci\u00f3n Variable Anual podr\u00e1 verse reducida, pero nunca incrementada, en funci\u00f3n del resultado
de indicadores de evaluaci\u00f3n plurianual alineados con las m\u00e9tricas fundamentales de control y gesti\u00f3n de riesgos del Grupo,
relacionados con la solvencia, la liquidez, la rentabilidad o la creaci\u00f3n de valor.
\u2013Las cantidades en efectivo de la Parte Diferida de la Retribuci\u00f3n Variable Anual que finalmente se consoliden, ser\u00e1n objeto
de actualizaci\u00f3n aplicando el \u00edndice de precios al consumo (IPC) medido como variaci\u00f3n interanual de precios, o
cualesquiera otros criterios establezca a tal efecto el Consejo de Administraci\u00f3n con la misma finalidad.
\u2013La totalidad de la Retribuci\u00f3n Variable Anual correspondiente a cada ejercicio estar\u00e1 sometida a cl\u00e1usulas de reducci\u00f3n de
la retribuci\u00f3n variable (malus) y de recuperaci\u00f3n de la retribuci\u00f3n variable ya satisfecha (clawback) durante la totalidad del
periodo de diferimiento e indisponibilidad, que resultar\u00e1n aplicables en caso de producirse determinadas circunstancias
recogidas en las pol\u00edticas de remuneraciones.
\u2013No se podr\u00e1n utilizar estrategias personales de cobertura o seguros relacionados con la retribuci\u00f3n variable y la
responsabilidad que menoscaben los efectos de alineaci\u00f3n con la gesti\u00f3n prudente de los riesgos.
\u2013El componente variable de la remuneraci\u00f3n correspondiente a un ejercicio (entendido como la suma de todos los
componentes variables de la remuneraci\u00f3n) estar\u00e1 limitado a un importe m\u00e1ximo del 100% del componente fijo de la
remuneraci\u00f3n total (entendido como la suma de todos los componentes fijos de la remuneraci\u00f3n), salvo que la Junta
General de Accionistas de BBVA acuerde elevar dicho porcentaje hasta un m\u00e1ximo del 200%.
\u2013A estos efectos, la Junta General de Accionistas de BBVA celebrada el 18 de marzo de 2022 acord\u00f3 elevar el nivel m\u00e1ximo
de retribuci\u00f3n variable de hasta el 200% del componente fijo de la remuneraci\u00f3n total, a un determinado n\u00famero de
miembros del Colectivo Identificado, en los t\u00e9rminos que se indican en el informe emitido a estos efectos por el Consejo de
Administraci\u00f3n de BBVA en fecha 09 de febrero de 2022.
\u2013Cualquier otro concepto retributivo, distinto de la Retribuci\u00f3n Variable Anual, que tenga la consideraci\u00f3n de remuneraci\u00f3n
variable, estar\u00e1 sujeto a las reglas de concesi\u00f3n, consolidaci\u00f3n y pago que le sean aplicables de acuerdo con la
configuraci\u00f3n del propio elemento retributivo y con su naturaleza.
Durante el ejercicio 2022, conforme a las pol\u00edticas retributivas aplicables, se ha consolidado el derecho del Colectivo Identificado a
recibir un total de 3.420.608 acciones o instrumentos vinculados a las acciones de BBVA correspondientes a la Parte Inicial de la
Retribuci\u00f3n Variable Anual del ejercicio 2021, en su mayor\u00eda, y a otros componentes variables de la remuneraci\u00f3n.
Por otro lado, conforme a la pol\u00edtica de remuneraciones aplicable en el ejercicio 2017, durante el ejercicio 2022 se ha entregado un
total de 106.072 acciones de BBVA correspondientes al segundo pago de la Parte Diferida de la Retribuci\u00f3n Variable Anual del
ejercicio 2017 de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n.
Por \u00faltimo, conforme a la pol\u00edtica de remuneraciones aplicable en el ejercicio 2018, durante el ejercicio 2022 se han entregado al
Colectivo Identificado un total de 3.739.044 acciones de BBVA correspondientes al primer pago de la Parte Diferida de la Retribuci\u00f3n
Variable Anual del ejercicio 2018 de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n y a la totalidad de la Parte
Diferida de la Retribuci\u00f3n Variable Anual del ejercicio 2018 del resto del Colectivo Identificado.
En el caso de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n de BBVA que ten\u00edan tal condici\u00f3n a 31 de diciembre
de 2022, la informaci\u00f3n detallada sobre las acciones entregadas se incluye en la Nota 54.
Por \u00faltimo, en cumplimiento con la regulaci\u00f3n local de Portugal y Brasil, BBVA IFIC y BBVA Brasil Banco de Investimento han
identificado (a nivel individual, respectivamente) a un colectivo en estas \u00e1reas geogr\u00e1ficas cuya retribuci\u00f3n variable anual est\u00e1 sujeta
a determinadas reglas espec\u00edficas de liquidaci\u00f3n y pago recogidas en sus respectivas pol\u00edticas de remuneraciones, en particular:
\u2013Un porcentaje de la retribuci\u00f3n variable anual queda sujeto a un diferimiento de tres a\u00f1os que se pagar\u00e1 por tercios a lo
largo de dicho periodo.
\u2013Un 50% de la retribuci\u00f3n variable anual, tanto de la parte inicial como de la parte diferida, se fijar\u00e1 en acciones de BBVA.
\u2013En BBVA IFIC, las cantidades en efectivo de la parte diferida de la retribuci\u00f3n variable anual, y sujetas a indicadores de
evaluaci\u00f3n plurianual que finalmente se abonen, ser\u00e1n objeto de actualizaci\u00f3n aplicando el \u00edndice de precios al consumo
(IPC) medido como variaci\u00f3n interanual de precios.
\u2013En BBVA Brasil Banco de Investimento, tanto las cantidades en efectivo como las cantidades en acciones de la parte
diferida de la retribuci\u00f3n variable anual ser\u00e1n objeto de actualizaci\u00f3n en efectivo.
De acuerdo al esquema retributivo se\u00f1alado, durante el ejercicio 2022 se ha entregado a este colectivo de Portugal y Brasil un total de
21.774 acciones de BBVA correspondientes a la parte inicial de la retribuci\u00f3n variable anual del ejercicio 2021.
Adicionalmente, durante el ejercicio 2022 se ha entregado a este colectivo de Portugal y Brasil un total de 3.517 acciones de BBVA
correspondientes al primer tercio de la parte diferida de la retribuci\u00f3n variable anual del ejercicio 2020 y 425 euros en concepto de
actualizaci\u00f3n (por las acciones entregadas en Brasil); un total de 4.422 acciones de BBVA correspondientes al segundo tercio de la
parte diferida de la retribuci\u00f3n variable anual 2019 y 1.203 euros en concepto de actualizaci\u00f3n (por las acciones entregadas en Brasil);
y un total de 5.083 acciones de BBVA correspondientes al \u00faltimo tercio de la parte diferida de la retribuci\u00f3n variable anual 2018 y
2.195 euros en concepto de actualizaci\u00f3n (por las acciones entregadas en Brasil).
", "dimensions": { "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NjIvZnJhZzo4N2RkYThlZWQwNmU0MTdmYjZjYTk3Zjk4Y2UxZjNkZi90ZXh0cmVnaW9uOjg3ZGRhOGVlZDA2ZTQxN2ZiNmNhOTdmOThjZTFmM2RmXzQyMzMxMTk3NzE4Njgw_ee3efafb-a65d-4f4d-ab43-e285fea57b20": { "value": "Remuneraciones basadas en acciones
Los importes registrados en el cap\u00edtulo \u201cGastos de personal - Otros gastos de personal\u201d de las cuentas de p\u00e9rdidas y ganancias
consolidadas de los ejercicios 2022, 2021 y 2020, correspondientes a los planes de remuneraciones basados en acciones en vigor en
cada ejercicio, han ascendido a 32, 33 y 16 millones de euros, respectivamente. Dichos importes se registraron con contrapartida en
el ep\u00edgrafe \u201cFondos propios - Otros elementos de patrimonio neto\u201d de los balances consolidados adjuntos, neto del correspondiente
efecto fiscal.
A continuaci\u00f3n, se describen las caracter\u00edsticas de los planes de remuneraciones basados en acciones del Grupo.
Retribuci\u00f3n variable en acciones
BBVA cuenta con un esquema de remuneraci\u00f3n espec\u00edfico aplicable a aquellos empleados cuyas actividades profesionales inciden de
manera significativa en el perfil de riesgo de BBVA y/o de su Grupo (en adelante, \u201cColectivo Identificado\u201d) que implica la entrega de
acciones o instrumentos vinculados a las acciones de BBVA, dise\u00f1ado en el marco de lo establecido en la normativa aplicable a las
entidades de cr\u00e9dito y considerando las mejores pr\u00e1cticas y recomendaciones a nivel local e internacional en esta materia.
En el ejercicio 2022, este esquema de remuneraci\u00f3n queda recogido en las siguientes pol\u00edticas de remuneraciones:
\u2013Pol\u00edtica General de Remuneraciones del Grupo BBVA, aprobada por el Consejo de Administraci\u00f3n el 30 de junio de 2021, de
aplicaci\u00f3n a los empleados y miembros de la Alta Direcci\u00f3n de BBVA (excluyendo a los consejeros ejecutivos de BBVA) y de
las sociedades que conforman su Grupo sobre las cuales BBVA tenga control sobre su gesti\u00f3n. Esta pol\u00edtica recoge en un
cap\u00edtulo espec\u00edfico las reglas espec\u00edficas aplicables al Colectivo Identificado, entre los que se incluye la Alta Direcci\u00f3n de
BBVA.
\u2013Pol\u00edtica de Remuneraciones de los Consejeros de BBVA, aprobada por la Junta General de Accionistas de BBVA celebrada
el 20 de abril de 2021, de aplicaci\u00f3n a los miembros del Consejo de Administraci\u00f3n de BBVA. El sistema de remuneraci\u00f3n de
los consejeros ejecutivos se corresponde, con car\u00e1cter general, con el aplicable a los miembros del Colectivo Identificado,
incorporando ciertas especificidades propias, derivadas de su condici\u00f3n de consejeros.
La retribuci\u00f3n variable de los miembros del Colectivo Identificado queda sometida a las siguientes reglas establecidas en sus
respectivas pol\u00edticas de remuneraciones, y en particular:
\u2013La Retribuci\u00f3n Variable Anual de los miembros del Colectivo Identificado correspondiente a cada ejercicio estar\u00e1 sometida
a ajustes ex ante, de manera que se reducir\u00e1 en el momento de la evaluaci\u00f3n de su desempe\u00f1o en caso de apreciarse un
comportamiento negativo de los resultados del Grupo o de otros par\u00e1metros como el grado de consecuci\u00f3n de los objetivos
presupuestados, y no se generar\u00e1, o se ver\u00e1 reducida en su generaci\u00f3n, en caso de no alcanzarse un determinado nivel de
beneficios y ratio de capital, en atenci\u00f3n a lo establecido en la normativa aplicable en cada momento.
\u2013El 60% de la Retribuci\u00f3n Variable Anual se consolidar\u00e1 y se abonar\u00e1, de darse las condiciones para ello, como regla general,
en el primer cuatrimestre del ejercicio siguiente al que la Retribuci\u00f3n Variable Anual corresponda (la \u201cParte Inicial\u201d). Para
los consejeros ejecutivos, resto de miembros de la Alta Direcci\u00f3n y aquellos miembros del Colectivo Identificado con
retribuciones variables de cuant\u00edas especialmente elevadas, la Parte Inicial se corresponder\u00e1 con un 40% de la Retribuci\u00f3n
Variable Anual. La parte restante quedar\u00e1 diferida en el tiempo (en adelante, la \u201cParte Diferida\u201d) por un periodo de 5 a\u00f1os,
para los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n, y de 4 a\u00f1os para los restantes miembros del
Colectivo Identificado.
\u2013Un 50% de la Retribuci\u00f3n Variable Anual, tanto de la Parte Inicial como de la Parte Diferida, se fijar\u00e1 en acciones de BBVA o
en instrumentos vinculados a las acciones de BBVA. Para los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n
el 60% de la Parte Diferida se fijar\u00e1 en acciones.
\u2013Las acciones o instrumentos concedidos en concepto de Retribuci\u00f3n Variable Anual, tanto de la Parte Inicial como de la
Parte Diferida, ser\u00e1n indisponibles durante un periodo de un a\u00f1o desde su entrega. Lo anterior no ser\u00e1 de aplicaci\u00f3n a las
acciones o instrumentos que proceda enajenar, en su caso, para hacer frente a las obligaciones fiscales derivadas de su
entrega.
\u2013La Parte Diferida de la Retribuci\u00f3n Variable Anual podr\u00e1 verse reducida, pero nunca incrementada, en funci\u00f3n del resultado
de indicadores de evaluaci\u00f3n plurianual alineados con las m\u00e9tricas fundamentales de control y gesti\u00f3n de riesgos del Grupo,
relacionados con la solvencia, la liquidez, la rentabilidad o la creaci\u00f3n de valor.
\u2013Las cantidades en efectivo de la Parte Diferida de la Retribuci\u00f3n Variable Anual que finalmente se consoliden, ser\u00e1n objeto
de actualizaci\u00f3n aplicando el \u00edndice de precios al consumo (IPC) medido como variaci\u00f3n interanual de precios, o
cualesquiera otros criterios establezca a tal efecto el Consejo de Administraci\u00f3n con la misma finalidad.
\u2013La totalidad de la Retribuci\u00f3n Variable Anual correspondiente a cada ejercicio estar\u00e1 sometida a cl\u00e1usulas de reducci\u00f3n de
la retribuci\u00f3n variable (malus) y de recuperaci\u00f3n de la retribuci\u00f3n variable ya satisfecha (clawback) durante la totalidad del
periodo de diferimiento e indisponibilidad, que resultar\u00e1n aplicables en caso de producirse determinadas circunstancias
recogidas en las pol\u00edticas de remuneraciones.
\u2013No se podr\u00e1n utilizar estrategias personales de cobertura o seguros relacionados con la retribuci\u00f3n variable y la
responsabilidad que menoscaben los efectos de alineaci\u00f3n con la gesti\u00f3n prudente de los riesgos.
\u2013El componente variable de la remuneraci\u00f3n correspondiente a un ejercicio (entendido como la suma de todos los
componentes variables de la remuneraci\u00f3n) estar\u00e1 limitado a un importe m\u00e1ximo del 100% del componente fijo de la
remuneraci\u00f3n total (entendido como la suma de todos los componentes fijos de la remuneraci\u00f3n), salvo que la Junta
General de Accionistas de BBVA acuerde elevar dicho porcentaje hasta un m\u00e1ximo del 200%.
\u2013A estos efectos, la Junta General de Accionistas de BBVA celebrada el 18 de marzo de 2022 acord\u00f3 elevar el nivel m\u00e1ximo
de retribuci\u00f3n variable de hasta el 200% del componente fijo de la remuneraci\u00f3n total, a un determinado n\u00famero de
miembros del Colectivo Identificado, en los t\u00e9rminos que se indican en el informe emitido a estos efectos por el Consejo de
Administraci\u00f3n de BBVA en fecha 09 de febrero de 2022.
\u2013Cualquier otro concepto retributivo, distinto de la Retribuci\u00f3n Variable Anual, que tenga la consideraci\u00f3n de remuneraci\u00f3n
variable, estar\u00e1 sujeto a las reglas de concesi\u00f3n, consolidaci\u00f3n y pago que le sean aplicables de acuerdo con la
configuraci\u00f3n del propio elemento retributivo y con su naturaleza.
Durante el ejercicio 2022, conforme a las pol\u00edticas retributivas aplicables, se ha consolidado el derecho del Colectivo Identificado a
recibir un total de 3.420.608 acciones o instrumentos vinculados a las acciones de BBVA correspondientes a la Parte Inicial de la
Retribuci\u00f3n Variable Anual del ejercicio 2021, en su mayor\u00eda, y a otros componentes variables de la remuneraci\u00f3n.
Por otro lado, conforme a la pol\u00edtica de remuneraciones aplicable en el ejercicio 2017, durante el ejercicio 2022 se ha entregado un
total de 106.072 acciones de BBVA correspondientes al segundo pago de la Parte Diferida de la Retribuci\u00f3n Variable Anual del
ejercicio 2017 de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n.
Por \u00faltimo, conforme a la pol\u00edtica de remuneraciones aplicable en el ejercicio 2018, durante el ejercicio 2022 se han entregado al
Colectivo Identificado un total de 3.739.044 acciones de BBVA correspondientes al primer pago de la Parte Diferida de la Retribuci\u00f3n
Variable Anual del ejercicio 2018 de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n y a la totalidad de la Parte
Diferida de la Retribuci\u00f3n Variable Anual del ejercicio 2018 del resto del Colectivo Identificado.
En el caso de los consejeros ejecutivos y resto de miembros de la Alta Direcci\u00f3n de BBVA que ten\u00edan tal condici\u00f3n a 31 de diciembre
de 2022, la informaci\u00f3n detallada sobre las acciones entregadas se incluye en la Nota 54.
Por \u00faltimo, en cumplimiento con la regulaci\u00f3n local de Portugal y Brasil, BBVA IFIC y BBVA Brasil Banco de Investimento han
identificado (a nivel individual, respectivamente) a un colectivo en estas \u00e1reas geogr\u00e1ficas cuya retribuci\u00f3n variable anual est\u00e1 sujeta
a determinadas reglas espec\u00edficas de liquidaci\u00f3n y pago recogidas en sus respectivas pol\u00edticas de remuneraciones, en particular:
\u2013Un porcentaje de la retribuci\u00f3n variable anual queda sujeto a un diferimiento de tres a\u00f1os que se pagar\u00e1 por tercios a lo
largo de dicho periodo.
\u2013Un 50% de la retribuci\u00f3n variable anual, tanto de la parte inicial como de la parte diferida, se fijar\u00e1 en acciones de BBVA.
\u2013En BBVA IFIC, las cantidades en efectivo de la parte diferida de la retribuci\u00f3n variable anual, y sujetas a indicadores de
evaluaci\u00f3n plurianual que finalmente se abonen, ser\u00e1n objeto de actualizaci\u00f3n aplicando el \u00edndice de precios al consumo
(IPC) medido como variaci\u00f3n interanual de precios.
\u2013En BBVA Brasil Banco de Investimento, tanto las cantidades en efectivo como las cantidades en acciones de la parte
diferida de la retribuci\u00f3n variable anual ser\u00e1n objeto de actualizaci\u00f3n en efectivo.
De acuerdo al esquema retributivo se\u00f1alado, durante el ejercicio 2022 se ha entregado a este colectivo de Portugal y Brasil un total de
21.774 acciones de BBVA correspondientes a la parte inicial de la retribuci\u00f3n variable anual del ejercicio 2021.
Adicionalmente, durante el ejercicio 2022 se ha entregado a este colectivo de Portugal y Brasil un total de 3.517 acciones de BBVA
correspondientes al primer tercio de la parte diferida de la retribuci\u00f3n variable anual del ejercicio 2020 y 425 euros en concepto de
actualizaci\u00f3n (por las acciones entregadas en Brasil); un total de 4.422 acciones de BBVA correspondientes al segundo tercio de la
parte diferida de la retribuci\u00f3n variable anual 2019 y 1.203 euros en concepto de actualizaci\u00f3n (por las acciones entregadas en Brasil);
y un total de 5.083 acciones de BBVA correspondientes al \u00faltimo tercio de la parte diferida de la retribuci\u00f3n variable anual 2018 y
2.195 euros en concepto de actualizaci\u00f3n (por las acciones entregadas en Brasil).
", "dimensions": { "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NjgvZnJhZzo0ZTQwMmY1NzFkNzA0NjVlYmJhODI3MmU4ODYyZjRmYi90ZXh0cmVnaW9uOjRlNDAyZjU3MWQ3MDQ2NWViYmE4MjcyZTg4NjJmNGZiXzQyMzMxMTk3NjY5NTE5_ff369457-d783-44f0-a140-418bab45ffb8": { "value": "Amortizaci\u00f3n
El desglose del saldo de este cap\u00edtulo de las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas es el siguiente:
Amortizaciones (Millones de euros)
Notas
2022
2021
2020
Activos tangibles
17
818
740
781
De uso propio
501
437
453
Derecho de uso de activos
312
299
324
Inversiones inmobiliarias y otros
5
3
3
Activos intangibles
18.2
510
494
507
Total
1.328
1.234
1.288
", "dimensions": { "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NzQvZnJhZzpmZDMwZDEwZGU3NGU0ODFiOWE3NmYwN2I3NzcyN2VmNy90ZXh0cmVnaW9uOmZkMzBkMTBkZTc0ZTQ4MWI5YTc2ZjA3Yjc3NzI3ZWY3XzQyMzMxMTk3NjY5OTY4_8516596b-1f1b-4aa4-983c-89a62af285c2": { "value": "Deterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no
valorados a valor razonable con cambios en resultados y p\u00e9rdidas o ganancias netas por
modificaci\u00f3n
A continuaci\u00f3n, se presentan las correcciones de valor de los activos financieros, desglosadas por la naturaleza de dichos activos,
registradas en las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas:
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no valorados a valor razonable con cambios en
resultados y p\u00e9rdidas o ganancias netas por modificaci\u00f3n (Millones de euros)
Notas
2022
2021
2020
Activos financieros a valor razonable con cambios en otro resultado
global - Valores representativos de deuda
76
17
19
Activos financieros a coste amortizado (1)
3.303
3.017
5.160
De los que: recuperaci\u00f3n de activos fallidos por cobro en efectivo
7.2.5
(390)
(423)
(339)
Total
3.379
3.034
5.179
(1) En 2020, el importe inclu\u00eda un impacto negativo por la actualizaci\u00f3n del escenario macroecon\u00f3mico afectado por la pandemia COVID-19.
Deterioro del valor o reversi\u00f3n del deterioro de valor de inversiones en negocios
conjuntos o asociadas
El ep\u00edgrafe \u201cDeterioro del valor o reversi\u00f3n del deterioro del valor de inversiones en negocios conjuntos o asociadas\u201d registr\u00f3 una
reversi\u00f3n del deterioro de 42 millones de euros en el ejercicio 2022. En el ejercicio 2021, dicho ep\u00edgrafe no registr\u00f3 ning\u00fan deterioro o
reversi\u00f3n de deterioro, mientras que en el ejercicio 2020 presentaba un deterioro de 190 millones de euros (ver Nota 16.3).
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos no financieros
Seguidamente se presentan las p\u00e9rdidas por deterioro de los activos no financieros, desglosadas por la naturaleza de dichos activos,
registradas en las cuentas de p\u00e9rdidas y ganancias consolidadas adjuntas:
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos no financieros (Millones de euros)
Notas
2022
2021
2020
Activos tangibles (1)
17
(53)
161
125
Activos intangibles
25
19
19
Otros
55
41
9
Total
27
221
153
(1) En 2021 incluye el deterioro por el cierre de las oficinas alquiladas tras el acuerdo con la representaci\u00f3n legal de los trabajadores sobre el procedimiento de despido colectivo
planteado para Banco Bilbao Vizcaya Argentaria, S.A. en Espa\u00f1a (ver Notas 17 y 24).
", "dimensions": { "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NzcvZnJhZzo1OGNiYTIyMDQyZGE0NTRhYWQzZmE3MzEzODgyODc2Yy90ZXh0cmVnaW9uOjU4Y2JhMjIwNDJkYTQ1NGFhZDNmYTczMTM4ODI4NzZjXzIxOTkwMjMyNTYwMDg_edb1d5e7-10b1-4f84-bb63-15f9fa5c122a": { "value": "42000000.0", "decimals": -6, "dimensions": { "concept": "bbva:DeterioroDelValorOReversionDelDeterioroDelValorDeInversionesEnNegociosConjuntosOAsociadas", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00", "unit": "iso4217:EUR" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81NzcvZnJhZzo1OGNiYTIyMDQyZGE0NTRhYWQzZmE3MzEzODgyODc2Yy90ZXh0cmVnaW9uOjU4Y2JhMjIwNDJkYTQ1NGFhZDNmYTczMTM4ODI4NzZjXzMzOQ_93228b55-e056-4538-8bf2-8e433362a074": { "value": "-190000000.0", "decimals": -6, "dimensions": { "concept": "bbva:DeterioroDelValorOReversionDelDeterioroDelValorDeInversionesEnNegociosConjuntosOAsociadas", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2020-01-01T00:00:00/2021-01-01T00:00:00", "unit": "iso4217:EUR" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81ODYvZnJhZzoyMDJlYmQyMjdiNGM0NWNjOWFlMjk5NTNlNWQwZjZiYi90ZXh0cmVnaW9uOjIwMmViZDIyN2I0YzQ1Y2M5YWUyOTk1M2U1ZDBmNmJiXzQyMzMxMTk3Njc2ODMy_b5b7d233-e495-48a8-a2fa-b998aad03cb6": { "value": "Estado de flujos de efectivo consolidado
El movimiento de los ejercicios 2022, 2021 y 2020 de los pasivos financieros procedentes de actividades de financiaci\u00f3n es el
siguiente:
Movimiento de pasivos procedentes de actividades de financiaci\u00f3n (Millones de euros)
Pasivos a coste amortizado - Valores
representativos de deuda
De los que: Emisiones de pasivos
subordinados (1)
2022
2021
2020
2022
2021
2020
Saldo inicial
55.763
61.780
63.963
14.794
17.248
17.675
Variaciones por flujos de efectivo
(678)
(5.728)
3.003
(1.945)
(1.941)
(8)
Variaciones diferentes de las de flujo de efectivo
344
(289)
(5.186)
(364)
(513)
(419)
Adquisici\u00f3n
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Enajenaci\u00f3n
\u2014
\u2014
\u2014
\u2014
(772)
\u2014
Bajas por entidades en proceso de venta (2)
\u2014
\u2014
(3.160)
\u2014
\u2014
\u2014
Diferencias de cambio
344
(289)
(2.026)
(364)
259
(419)
Cambios en el valor razonable
\u2014
\u2014
\u2014
\u2014
Saldo final
55.429
55.763
61.780
12.485
14.794
17.248
(1) Existen dep\u00f3sitos subordinados por 24, 14 y 12 millones de euros a 31 de diciembre de 2022, 2021 y 2020, respectivamente (ver Nota 22.4 y Anexo VI). Asimismo, se
produjeron pagos de cupones de pasivos subordinados por 313, 359 y 387 millones de euros en 2022, 2021 y 2020, respectivamente. Las emisiones subordinadas de BBVA
Paraguay y del per\u00edmetro de venta de BBVA USA a 31 de diciembre de 2020 estaban registradas en la l\u00ednea de \"Pasivos incluidos en grupos enajenables de elementos que se han
clasificado como mantenidos para la venta\" del balance consolidado con saldos de 37 y 735 millones de euros, respectivamente.
(2) Incluye principalmente el saldo de sociedades del Grupo que estaban en proceso de venta en Estados Unidos incluidas en la venta a PNC (ver Notas 3 y 21).
", "dimensions": { "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81ODkvZnJhZzpiMTRlYTVmMmY2OTU0M2Y1OGFjNTQzODY1MGYwMjRmNC90ZXh0cmVnaW9uOmIxNGVhNWYyZjY5NTQzZjU4YWM1NDM4NjUwZjAyNGY0XzQyMzMxMTk3NjcwODkz_f91b4134-612a-4340-b8fe-89d91a538d98": { "value": "Honorarios de auditor\u00eda
Los honorarios por servicios contratados para el ejercicio de 2022 por las sociedades del Grupo BBVA con sus respectivos auditores
y otras empresas auditoras, se presentan a continuaci\u00f3n:
Honorarios por auditor\u00edas realizadas y otros servicios relacionados (1) (Millones de euros)
2022
Auditor\u00edas de las sociedades realizadas por las firmas de la organizaci\u00f3n mundial EY y otros trabajos
relacionados con la auditor\u00eda (2)
24,8
Otros informes requeridos por supervisores o por la normativa legal y fiscal de los pa\u00edses en los que el
Grupo opera, y realizados por las firmas de la organizaci\u00f3n mundial EY
1,0
Honorarios por auditor\u00edas realizadas por otras firmas
0,1
(1) Independientemente del periodo de facturaci\u00f3n.
(2) Se incluyen los honorarios correspondientes a auditor\u00edas legales de Cuentas Anuales (21,7 millones de euros a 31 de diciembre de 2022).
Adicionalmente, distintas sociedades del Grupo BBVA contrataron en el ejercicio de 2022 servicios distintos del de auditor\u00eda, seg\u00fan el
siguiente detalle:
Otros servicios prestados (Millones de euros)
2022
Firmas de la organizaci\u00f3n mundial EY
0,1
Dentro de este total de servicios contratados, el detalle de los servicios prestados por Ernst & Young, S.L. a BBVA, S.A. o sus
sociedades controladas a la fecha de formulaci\u00f3n de estos estados financieros ha sido el siguiente:
Honorarios por auditor\u00edas realizadas y otros servicios prestados (1) (Millones de euros)
2022
Auditor\u00eda legal a BBVA, S.A. o sus sociedades controladas
7,6
Otros servicios de auditor\u00eda a BBVA o sus sociedades controladas
5,2
Revisi\u00f3n limitada a BBVA, S.A. o sus sociedades controladas
1,4
Informes relativos a emisiones
0,4
Trabajos de assurance y otros requeridos por el regulador
0,8
(1) Servicios prestados por Ernst & Young, S.L. a sociedades ubicadas en Espa\u00f1a, la sucursal de BBVA en Nueva York y a la sucursal de BBVA en Londres.
Los servicios contratados con los auditores cumplen con los requisitos de independencia del auditor externo recogidos en la Ley de
Auditor\u00eda de Cuentas (Ley 22/2015), as\u00ed como en la Sarbanes-Oxley Act of 2002, asumida por la Securities and Exchange Commission
(SEC).
", "dimensions": { "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV81OTIvZnJhZzoyN2RmNmEyM2U4ZWM0N2VkYTUzYjEzNmViY2E0MmFkYS90ZXh0cmVnaW9uOjI3ZGY2YTIzZThlYzQ3ZWRhNTNiMTM2ZWJjYTQyYWRhXzQyMzMxMTk3NjY5NzYy_a73df6c2-9ee2-45f4-94bc-858c1b44cbef": { "value": "Operaciones con partes vinculadas
BBVA y otras sociedades del Grupo, en su condici\u00f3n de entidades financieras, mantienen operaciones con sus partes vinculadas
dentro del curso ordinario de sus negocios. Estas operaciones son de escasa relevancia y se realizan en condiciones normales de
mercado. A 31 de diciembre de 2022, 2021 y 2020, se han identificado operaciones con las siguientes partes vinculadas:
Operaciones con accionistas significativosA 31 de diciembre de 2022, 2021 y 2020, no exist\u00edan accionistas considerados como significativos (ver Nota 26). Operaciones con entidades del Grupo BBVA
Los saldos de las principales magnitudes de los balances consolidados adjuntos originados por las transacciones efectuadas por el
Grupo BBVA con los negocios conjuntos y asociadas, son los siguientes:
Saldos del balance consolidado derivados de operaciones con entidades del Grupo (Millones de euros)
2022
2021
2020
Activo
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
9
9
148
Pr\u00e9stamos y anticipos a la clientela
1.842
2.031
1.743
Valores representativos de deuda
7
7
\u2014
Pasivo
Dep\u00f3sitos de entidades de cr\u00e9dito
1
1
\u2014
Dep\u00f3sitos de la clientela
204
296
791
Pro-memoria
Compromisos de pr\u00e9stamo concedidos
136
154
132
Otros compromisos concedidos
751
1.056
1.400
Garant\u00edas financieras concedidas
10
11
11
En las Cuentas Anuales consolidadas no hay otros efectos significativos con origen en las relaciones mantenidas con estas entidades,
salvo: los derivados de la aplicaci\u00f3n del criterio de valoraci\u00f3n por el m\u00e9todo de la participaci\u00f3n (ver Nota 2.1); de las p\u00f3lizas de
seguros para cobertura de compromisos por pensiones o similares, que se describen en la Nota 25; y las operaciones de futuro
formalizadas por el Grupo BBVA con esos negocios conjuntos y asociadas.
Adicionalmente, el Grupo BBVA tiene formalizados, dentro de su actividad habitual, acuerdos y compromisos de diversa naturaleza
con accionistas de sociedades dependientes, negocios conjuntos y asociadas, de los que no se derivan impactos significativos en los
estados financieros consolidados.
Operaciones con los miembros del Consejo de Administraci\u00f3n y de la Alta Direcci\u00f3n
Las operaciones celebradas entre BBVA o Sociedades de su Grupo con miembros del Consejo de Administraci\u00f3n y de la Alta
Direcci\u00f3n del Banco, as\u00ed como con sus partes vinculadas, pertenecen al giro o tr\u00e1fico ordinario del Banco, son de escasa relevancia,
entendiendo por tales aquellas cuya informaci\u00f3n no sea necesaria para expresar la imagen fiel del patrimonio, de la situaci\u00f3n
financiera y de los resultados de la entidad, y han sido realizadas en condiciones normales de mercado o en condiciones aplicables al
resto de empleados.
A continuaci\u00f3n se facilita el importe y la naturaleza de las principales operaciones realizadas con los miembros del Consejo de
Administraci\u00f3n y de la Alta Direcci\u00f3n del Banco, as\u00ed como con sus respectivas partes vinculadas.
Saldo a 31 de diciembre de cada ejercicio (miles de euros)
2022
2021
2020
Consejeros
Partes
vinculadas
de los
consejeros
Alta
Direcci\u00f3n (1)
Partes
vinculadas
de la Alta
Direcci\u00f3n
Consejeros
Partes
vinculadas
de los
consejeros
Alta
Direcci\u00f3n (1)
Partes
vinculadas
de la Alta
Direcci\u00f3n
Consejeros
Partes
vinculadas
de los
consejeros
Alta
Direcci\u00f3n (1)
Partes
vinculadas
de la Alta
Direcci\u00f3n
Pr\u00e9stamos y
cr\u00e9ditos
668
1.880
6.321
764
765
207
5.419
573
\u2014
\u2014
5.349
580
Avales
\u2014
\u2014
10
\u2014
\u2014
\u2014
10
\u2014
\u2014
\u2014
10
25
Cr\u00e9ditos
Comerciales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(1) Excluidos los consejeros ejecutivos
La informaci\u00f3n sobre retribuciones y otras prestaciones a los miembros del Consejo de Administraci\u00f3n y de la Alta Direcci\u00f3n de BBVA
se describe en la Nota 54.
", "dimensions": { "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV82MDEvZnJhZzozMGE0ZDY1NTI2OWY0ZjliYThmZTc2NjFmM2FhODZjNC90ZXh0cmVnaW9uOjMwYTRkNjU1MjY5ZjRmOWJhOGZlNzY2MWYzYWE4NmM0XzQyMzMxMTk3NjczNzU0_f5f2b002-ace0-4603-b61d-a67722a06598": { "value": "Operaciones con los miembros del Consejo de Administraci\u00f3n y de la Alta Direcci\u00f3n
Las operaciones celebradas entre BBVA o Sociedades de su Grupo con miembros del Consejo de Administraci\u00f3n y de la Alta
Direcci\u00f3n del Banco, as\u00ed como con sus partes vinculadas, pertenecen al giro o tr\u00e1fico ordinario del Banco, son de escasa relevancia,
entendiendo por tales aquellas cuya informaci\u00f3n no sea necesaria para expresar la imagen fiel del patrimonio, de la situaci\u00f3n
financiera y de los resultados de la entidad, y han sido realizadas en condiciones normales de mercado o en condiciones aplicables al
resto de empleados.
A continuaci\u00f3n se facilita el importe y la naturaleza de las principales operaciones realizadas con los miembros del Consejo de
Administraci\u00f3n y de la Alta Direcci\u00f3n del Banco, as\u00ed como con sus respectivas partes vinculadas.
Saldo a 31 de diciembre de cada ejercicio (miles de euros)
2022
2021
2020
Consejeros
Partes
vinculadas
de los
consejeros
Alta
Direcci\u00f3n (1)
Partes
vinculadas
de la Alta
Direcci\u00f3n
Consejeros
Partes
vinculadas
de los
consejeros
Alta
Direcci\u00f3n (1)
Partes
vinculadas
de la Alta
Direcci\u00f3n
Consejeros
Partes
vinculadas
de los
consejeros
Alta
Direcci\u00f3n (1)
Partes
vinculadas
de la Alta
Direcci\u00f3n
Pr\u00e9stamos y
cr\u00e9ditos
668
1.880
6.321
764
765
207
5.419
573
\u2014
\u2014
5.349
580
Avales
\u2014
\u2014
10
\u2014
\u2014
\u2014
10
\u2014
\u2014
\u2014
10
25
Cr\u00e9ditos
Comerciales
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(1) Excluidos los consejeros ejecutivos
La informaci\u00f3n sobre retribuciones y otras prestaciones a los miembros del Consejo de Administraci\u00f3n y de la Alta Direcci\u00f3n de BBVA
se describe en la Nota 54.
Retribuciones y otras prestaciones al Consejo de Administraci\u00f3n y a miembros de
la Alta Direcci\u00f3n del Banco
Remuneraciones de los consejeros no ejecutivos
Las retribuciones de los consejeros no ejecutivos miembros del Consejo de Administraci\u00f3n durante los ejercicios 2022 y 2021 son las
que se indican a continuaci\u00f3n, de manera individualizada y por concepto retributivo:
Retribuci\u00f3n de los consejeros no ejecutivos (Miles de euros)
Consejo de
Administraci\u00f3n
Comisi\u00f3n
Delegada
Permanente
Comisi\u00f3n de
Auditor\u00eda
Comisi\u00f3n de
Riesgos y
Cumplimiento
Comisi\u00f3n de
Retribuciones
Comisi\u00f3n de
Nombramientos
y Gobierno
Corporativo
Comisi\u00f3n de
Tecnolog\u00eda y
Ciberseguridad
Otros
cargos (1)
Total
2022
2021
Jos\u00e9 Miguel Andr\u00e9s
Torrecillas
129
167
66
115
50
527
527
Jaime Caruana Lacorte
129
167
165
107
567
567
Ra\u00fal Galamba de
Oliveira
129
107
43
53
332
278
Bel\u00e9n Garijo L\u00f3pez
129
66
107
46
349
349
Connie Hedegaard ( 2)
107
107
0
Sunir Kumar Kapoor (3)
32
11
43
172
Lourdes M\u00e1iz Carro
129
66
43
238
238
Jos\u00e9 Maldonado Ramos
129
167
46
342
342
Ana Peralta Moreno
129
66
43
238
238
Juan Pi Llorens
129
214
46
43
27
458
512
Ana Revenga Shanklin
129
107
29
264
236
Susana Rodr\u00edguez
Vidarte
129
167
107
46
449
449
Carlos Salazar Lomel\u00edn
129
43
172
172
Jan Verplancke
129
43
43
214
214
Total (4)
1.684
667
431
642
278
301
168
130
4.300
4.293
(1) Consejera nombrada por la Junta General celebrada el 18 de marzo de 2022, por lo que la asignaci\u00f3n de acciones te\u00f3ricas no corresponde hasta 2023.
(2) Consejero que ces\u00f3 en su cargo el 18 de marzo de 2022. En aplicaci\u00f3n del sistema, percibi\u00f3, tras su cese, un total de 36.922 acciones de BBVA, lo que equivale al total de
acciones te\u00f3ricas acumuladas hasta dicha fecha.
(3) El n\u00famero de acciones te\u00f3ricas asignadas en 2022 y 2021 a cada consejero no ejecutivo es equivalente al 20% de la asignaci\u00f3n fija anual total en efectivo percibida en 2021 y
2020, respectivamente, por cada uno de ellos, seg\u00fan la media de los precios de cierre de la acci\u00f3n de BBVA durante las 60 sesiones burs\u00e1tiles anteriores a las Juntas Generales
de 18 de marzo de 2022 y de 20 de abril de 2021, que fue de 5,47 y 4,44 euros por acci\u00f3n, respectivamente.
Remuneraciones de los consejeros ejecutivos
Las retribuciones de los consejeros ejecutivos correspondientes a los ejercicios 2022 y 2021 en aplicaci\u00f3n de la Pol\u00edtica de
Remuneraciones de los Consejeros de BBVA aprobada por la Junta General de 20 de abril de 2021, se indican a continuaci\u00f3n, de
manera individualizada y por concepto retributivo:
Retribuci\u00f3n Fija Anual (Miles de euros)
2022
2021
Presidente
2.924
2.924
Consejero Delegado
2.179
2.179
Total
5.103
5.103
Adem\u00e1s, el Consejero Delegado, ha percibido durante los ejercicios 2022 y 2021, de conformidad con las condiciones establecidas en
la Pol\u00edtica de Remuneraciones de los Consejeros de BBVA, en cada ejercicio, las cantidades de 654 miles de euros en concepto de
\u201ccash in lieu of pension\u201d (equivalente al 30% de su Retribuci\u00f3n Fija Anual), al no contar con una prestaci\u00f3n por jubilaci\u00f3n (ver
apartado sobre \u201cObligaciones contra\u00eddas en materia de previsi\u00f3n con consejeros ejecutivos\u201d de esta Nota) y de 600 miles de euros en
concepto de complemento de movilidad.
Retribuci\u00f3n en especie (Miles de euros)
Asimismo, durante los ejercicios 2022 y 2021, se han satisfecho retribuciones en especie a favor de los consejeros ejecutivos, que
incluyen primas por seguros y otras, por importe de 283 miles de euros y 328 miles de euros en el caso del Presidente y 155 miles de
euros y 158 miles de euros en el caso del Consejero Delegado, respectivamente.
Retribuci\u00f3n Variable Anual (RVA)
2022 (2)
2021 (1)
En efectivo
(Miles de euros)
En acciones
En efectivo
(Miles de euros)
En acciones
Presidente
926
158.169
849
159.235
Consejero Delegado
712
121.646
645
120.977
Total
1.639
279.815
1.494
280.212
(1) Retribuciones diferidas de ejercicios anteriores cuya entrega proced\u00eda una vez cerrado el ejercicio 2021. Su abono al Presidente y
el Consejero Delegado se produjo en 2022 en los porcentajes que en cada caso resultaban aplicables en atenci\u00f3n a las reglas de
consolidaci\u00f3n y pago establecidas en las pol\u00edticas retributivas vigentes en cada ejercicio:
\u2022RVA Diferida 2018: en 2022 se ha satisfecho el primer pago (60% de la Parte Diferida) en el caso del Presidente y pago de la
totalidad en el caso del Consejero Delegado, incluyendo en ambos casos la actualizaci\u00f3n de su parte en efectivo. Esta
retribuci\u00f3n est\u00e1 asociada a sus anteriores cargos como Consejero Delegado y President & CEO de BBVA USA,
respectivamente.
\u2022RVA Diferida 2017: en 2022 se ha satisfecho al Presidente el segundo pago (20% de la Parte Diferida), incluyendo la
actualizaci\u00f3n de su parte en efectivo. Esta retribuci\u00f3n est\u00e1 asociada a su anterior cargo como Consejero Delegado.
(2) Retribuciones diferidas de ejercicios anteriores cuya entrega corresponde una vez cerrado el ejercicio 2022. Su abono al
Presidente y/o al Consejero Delegado se producir\u00e1 en 2023 en los porcentajes que en cada caso resultan aplicables en atenci\u00f3n a las
reglas de consolidaci\u00f3n y pago establecidas en las pol\u00edticas retributivas vigentes en cada ejercicio:
\u2022RVA Diferida 2021: corresponde el primer pago (20% de la Parte Diferida) a los consejeros ejecutivos, incluyendo la
actualizaci\u00f3n de su parte en efectivo. Tras ello, quedar\u00e1 diferido, para ambos consejeros ejecutivos, el 80% de la RVA Diferida
2021 que, de darse las condiciones para ello, se abonar\u00e1 en 2024, 2025, 2026 y 2027.
\u2022RVA Diferida 2019: corresponde el primer pago (60% de la Parte Diferida) a los consejeros ejecutivos, incluyendo la
actualizaci\u00f3n de su parte en efectivo, y tras haberse comprobado que no procede su reducci\u00f3n atendiendo al resultado de los
indicadores de evaluaci\u00f3n plurianual determinados en 2019 por el Consejo de Administraci\u00f3n. Tras ello, quedar\u00e1 diferido, para
ambos consejeros ejecutivos, el 40% de la RVA Diferida 2019 que, de darse las condiciones para ello, ser\u00e1 percibido en 2024
y 2025.
\u2022RVA Diferida 2018: corresponde el segundo pago (20% de la Parte Diferida) al Presidente, incluyendo la actualizaci\u00f3n de su
parte en efectivo. Tras ello, quedar\u00e1 diferido el 20% de la RVA Diferida 2018 que, de darse las condiciones para ello, se
abonar\u00e1 en 2024. Esta retribuci\u00f3n est\u00e1 asociada a su anterior cargo como Consejero Delegado.
\u2022RVA Diferida 2017: corresponde el tercer y \u00faltimo pago (20% de la Parte Diferida) al Presidente, incluyendo la actualizaci\u00f3n
de su parte en efectivo. Tras ello, quedar\u00e1 concluido el pago al Presidente de la RVA Diferida 2017. Esta retribuci\u00f3n est\u00e1
asociada a su anterior cargo como Consejero Delegado.
Obligaciones contra\u00eddas en materia de previsi\u00f3n con consejeros ejecutivos
El Banco no ha asumido compromisos en materia de previsi\u00f3n con los consejeros no ejecutivos.
Por lo que respecta a los consejeros ejecutivos, la Pol\u00edtica de Remuneraciones de los Consejeros de BBVA establece un marco
previsional por el cual, en el caso del Presidente, tiene reconocido el derecho a percibir una prestaci\u00f3n de jubilaci\u00f3n, en forma de
renta o de capital, cuando alcance la edad legalmente establecida para ello, siempre que no se produzca su cese debido al
incumplimiento grave de sus funciones, cuyo importe ser\u00e1 el que resulte de las aportaciones anuales realizadas por el Banco, junto
con sus correspondientes rendimientos acumulados a esa fecha.
La aportaci\u00f3n anual para la cobertura de la contingencia de jubilaci\u00f3n en el sistema de aportaci\u00f3n definida del Presidente, establecida
en la Pol\u00edtica de Remuneraciones de los Consejeros de BBVA aprobada por la Junta General en 2021, es de 439 miles de euros. Este
importe podr\u00e1 actualizarse por el Consejo de Administraci\u00f3n durante el plazo de vigencia de la Pol\u00edtica en la misma medida en que se
actualice su Retribuci\u00f3n Fija Anual, en los t\u00e9rminos establecidos en la misma.
Un 15% de la aportaci\u00f3n anual pactada girar\u00e1 sobre componentes variables y tendr\u00e1 la consideraci\u00f3n de \u201cbeneficios discrecionales de
pensi\u00f3n\u201d, quedando por ello sujeta a las condiciones de entrega en acciones, retenci\u00f3n y recuperaci\u00f3n establecidas en la normativa
aplicable, as\u00ed como a aquellas otras condiciones de la retribuci\u00f3n variable que les sean aplicables de conformidad con la Pol\u00edtica de
Remuneraciones de los Consejeros de BBVA.
En caso de extinci\u00f3n de la relaci\u00f3n contractual antes de alcanzar la edad de jubilaci\u00f3n por causa distinta al incumplimiento grave de
sus funciones, la prestaci\u00f3n de jubilaci\u00f3n que corresponda percibir al Presidente cuando alcance la edad legalmente establecida para
ello, ser\u00e1 calculada sobre el fondo acumulado por las aportaciones realizadas por el Banco, en los t\u00e9rminos indicados, hasta esa
fecha, m\u00e1s sus correspondientes rendimientos acumulados, sin que el Banco tenga que realizar aportaci\u00f3n adicional alguna desde el
momento de la extinci\u00f3n.
Por lo que respecta a los compromisos asumidos para cubrir las contingencias de fallecimiento e invalidez con el Presidente, el Banco
asumir\u00e1 el pago de las correspondientes primas anuales de seguro, con objeto de completar las coberturas por estas contingencias.
De acuerdo con lo anterior, en el ejercicio 2022, se ha registrado un importe de 451 miles de euros que integra la aportaci\u00f3n anual
pactada para cubrir la contingencia de jubilaci\u00f3n, que es de 439 miles de euros, y un importe de 12 miles de euros correspondiente al
ajuste al alza de los \u201cbeneficios discrecionales de pensi\u00f3n\u201d del ejercicio 2021, que fueron declarados a cierre de dicho ejercicio y que
correspond\u00eda aportar al fondo acumulado en 2022. Asimismo, se ha satisfecho un importe de 473 miles de euros en concepto de
primas para las contingencias de fallecimiento e invalidez.
A 31 de diciembre de 2022, el total del fondo acumulado para atender los compromisos de jubilaci\u00f3n con el Presidente asciende a
22.771 miles de euros.
Por otro lado, de la aportaci\u00f3n anual pactada para la contingencia de jubilaci\u00f3n correspondiente al ejercicio 2022, el 15% (66 miles de
euros) se ha registrado en dicho ejercicio como \u201cbeneficios discrecionales de pensi\u00f3n\u201d. Una vez cerrado el ejercicio, se ha procedido a
ajustar dicho importe, aplicando los mismos criterios empleados para determinar la Retribuci\u00f3n Variable Anual del Presidente
correspondiente al ejercicio 2022, quedando determinados en un importe de 85 miles de euros, lo que supone un ajuste al alza de 19
miles de euros. Estos \u201cbeneficios discrecionales de pensi\u00f3n\u201d se aportar\u00e1n al fondo acumulado en el ejercicio 2023, y quedar\u00e1n
sujetos a las condiciones establecidas para los mismos en la Pol\u00edtica de Remuneraciones de los Consejeros de BBVA.
Por lo que respecta al Consejero Delegado, de conformidad con lo establecido en la Pol\u00edtica de Remuneraciones de los Consejeros de
BBVA y en su contrato, el Banco no ha asumido compromisos por jubilaci\u00f3n, si bien tiene derecho a una cantidad anual en efectivo, en
lugar de la prestaci\u00f3n de jubilaci\u00f3n (\u201ccash in lieu of pension\u201d), de cuant\u00eda equivalente al 30% de la Retribuci\u00f3n Fija Anual. Conforme a
lo anterior, en el ejercicio 2022 el Banco ha satisfecho al Consejero Delegado el importe de remuneraci\u00f3n fija en concepto de \u201ccash in
lieu of pension\u201d recogido en el apartado de \u201cRemuneraciones de los consejeros ejecutivos\u201d de esta Nota.
Por otra parte, el Banco ha asumido compromisos en materia de previsi\u00f3n en el caso del Consejero Delegado para cubrir las
contingencias de fallecimiento e invalidez, a cuyos efectos se abonan las correspondientes primas anuales de seguro. A estos efectos,
en 2022 se han registrado 285 miles de euros por este concepto.
Consejeros ejecutivos (Miles de euros)
Aportaciones (1)
Fondos acumulados
Jubilaci\u00f3n
Fallecimiento e invalidez
2022
2021
2022
2021
2022
2021
Presidente
451
340
473
574
22.771
24.546
Consejero Delegado
\u2014
\u2014
285
295
\u2014
\u2014
Total
451
340
758
869
22.771
24.546
Retribuci\u00f3n en especie (Miles de euros)
Durante los ejercicios 2022 y 2021, se han satisfecho al conjunto del colectivo de la Alta Direcci\u00f3n, excluidos los consejeros
ejecutivos, retribuciones en especie, que incluyen primas por seguros y otras, por importe total conjunto de 1.093 miles de euros y
1.409 miles de euros, respectivamente.
Retribuci\u00f3n Variable Anual (RVA)
2022 (2)
2021 (1)
En efectivo
(Miles de euros)
En acciones
En efectivo
(Miles de euros)
En acciones
Total Alta Direcci\u00f3n
2.143
365.746
1.849
346.106
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56. Hechos posteriores
El 1 de febrero de 2023 se anunci\u00f3 que estaba previsto proponer a los \u00f3rganos sociales correspondientes un reparto en efectivo por
importe de 0,31 euros brutos por acci\u00f3n en abril como dividendo complementario del ejercicio 2022 y la ejecuci\u00f3n de un programa de
recompra de acciones de BBVA por importe de 422 millones de euros, sujeto a la obtenci\u00f3n de las autorizaciones regulatorias
correspondientes y a la comunicaci\u00f3n de los t\u00e9rminos y condiciones concretos del programa antes del inicio de su ejecuci\u00f3n (ver
Nota 4).
En relaci\u00f3n con el reciente terremoto sucedido en Turqu\u00eda, en estos primeros momentos, el Grupo est\u00e1 trabajando en la definici\u00f3n de
algunas medidas de urgencia que ayuden a paliar los efectos de la crisis humanitaria producida por esta cat\u00e1strofe.\u00a0
Se han aplicado los protocolos internos necesarios para monitorizar la situaci\u00f3n y comenzar a evaluar los impactos directos y futuros
para el Grupo que puedan derivarse de la misma. La exposici\u00f3n directa del Grupo en las zonas afectadas por el se\u00edsmo no es
significativa y, hasta la fecha de formulaci\u00f3n de estas Cuentas Anuales consolidadas, no se han identificado impactos relevantes en la
continuidad futura de las operaciones y los negocios del Grupo en Turqu\u00eda. No obstante, no es posible realizar en estos momentos
una previsi\u00f3n de los impactos futuros que puedan derivarse de esta situaci\u00f3n.\u00a0 Dichos impactos, en su caso, se registrar\u00e1n en los
estados financieros del Grupo en un momento posterior.
Desde el 1 de enero de 2023 hasta la fecha de formulaci\u00f3n de las Cuentas Anuales consolidadas adjuntas no se han producido otros
hechos, no mencionados anteriormente en las notas a los presentes estados financieros consolidados, que afecten de forma
significativa a los resultados del Grupo o a la situaci\u00f3n patrimonial del mismo.
", "dimensions": { "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV82NDAvZnJhZzpjNjk4Yzc1Y2VmMGE0NWU2YjgwY2RhMTAwMTNiMTc3OC90ZXh0cmVnaW9uOmM2OThjNzVjZWYwYTQ1ZTZiODBjZGExMDAxM2IxNzc4XzQyMzMxMTk3Njg3MDMw_c6ad8e8a-dda6-4814-8c2f-96ad02f53cca": { "value": "
ANEXO I. Informaci\u00f3n adicional sobre sociedades dependientes que componen el Grupo
BBVA y entidades estructuradas a 31 de diciembre de 2022
% de participaci\u00f3n en el capital
social (1)
Millones de euros (2)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en
libros
Patrimonio
neto
excluido
resultados\u00a0
31.12.2022
Resultado\u00a0
31.12.2022
ACTIVOS MACORP SL
ESPA\u00d1A
INMOBILIARIA
50,64
49,36
100,00
3
3
\u2014
ADQUIRA MEXICO SA DE CV
MEXICO
SERVICIOS
\u2014
100,00
100,00
8
5
3
ALCALA 120 PROMOC. Y GEST.IMMOB. S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
18
17
2
ANIDA GRUPO INMOBILIARIO SL
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
1.194
1.189
12
ANIDA INMOBILIARIA, S.A. DE C.V.
MEXICO
CARTERA
\u2014
100,00
100,00
37
36
2
ANIDA OPERACIONES SINGULARES, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
1.142
1.128
14
ANIDA PROYECTOS INMOBILIARIOS, S.A. DE C.V.
MEXICO
INMOBILIARIA
\u2014
100,00
100,00
25
25
\u2014
ANIDAPORT INVESTIMENTOS IMOBILIARIOS,
UNIPESSOAL, LTDA
PORTUGAL
INMOBILIARIA
\u2014
100,00
100,00
24
17
(1)
ANTHEMIS BBVA VENTURE PARTNERSHIP LLP
REINO UNIDO
CARTERA
\u2014
100,00
100,00
11
9
7
APLICA NEXTGEN OPERADORA S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
APLICA NEXTGEN SERVICIOS S.A. DE C.V
MEXICO
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
ARRAHONA IMMO, S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
53
114
\u2014
ARRAHONA NEXUS, S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
56
62
\u2014
ARRELS CT FINSOL, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
59
75
\u2014
ARRELS CT PATRIMONI I PROJECTES, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
22
22
\u2014
ARRELS CT PROMOU SA
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
17
25
(1)
BAHIA SUR RESORT S.C.
ESPA\u00d1A
SIN ACTIVIDAD
99,95
\u2014
99,95
\u2014
\u2014
\u2014
BANCO BBVA ARGENTINA S.A.
ARGENTINA
BANCA
39,97
26,59
66,55
158
671
925
BANCO BBVA PER\u00da SA (3)
PERU
BANCA
\u2014
46,12
46,12
1.278
2.300
474
BANCO BILBAO VIZCAYA ARGENTARIA URUGUAY
SA
URUGUAY
BANCA
100,00
\u2014
100,00
110
221
29
BANCO OCCIDENTAL SA
ESPA\u00d1A
BANCA
49,43
50,57
100,00
17
18
\u2014
BANCO PROVINCIAL OVERSEAS NV
CURACAO
BANCA
\u2014
100,00
100,00
44
42
2
BANCO PROVINCIAL SA - BANCO UNIVERSAL
VENEZUELA
BANCA
1,46
53,75
55,21
46
208
7
BBV AMERICA SL
ESPA\u00d1A
CARTERA
99,80
0,20
100,00
\u2014
581
31
BBVA (SUIZA) SA
SUIZA
BANCA
100,00
\u2014
100,00
114
139
7
BBVA AGENCIA DE SEGUROS COLOMBIA LTDA
COLOMBIA
SEGUROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
BBVA AI FACTORY SL
ESPA\u00d1A
SERVICIOS
\u2014
100,00
100,00
6
4
\u2014
BBVA ASSET MANAGEMENT ARGENTINA SAU
SOCIEDAD GERENTE DE FONDOS COMUNES DE
INVERSI\u00d3N
ARGENTINA
GESTORAS DE FONDOS
DE INVERSI\u00d3N
\u2014
100,00
100,00
20
\u2014
20
BBVA ASSET MANAGEMENT MEXICO SA DE CV,
SOC.OPERADORA DE FONDOS DE INVERSION,
GRUPO FRO. BBVA MEXICO
MEXICO
GESTORAS DE FONDOS
DE INVERSI\u00d3N
\u2014
100,00
100,00
36
23
13
BBVA ASSET MANAGEMENT SA SAF
PERU
GESTORAS DE FONDOS
DE INVERSI\u00d3N
\u2014
100,00
100,00
7
5
2
BBVA ASSET MANAGEMENT SA SGIIC
ESPA\u00d1A
GESTORAS DE FONDOS
DE INVERSI\u00d3N
100,00
\u2014
100,00
36
(80)
116
BBVA ASSET MANAGEMENT SA SOCIEDAD
FIDUCIARIA (BBVA FIDUCIARIA)
COLOMBIA
GESTORAS DE FONDOS
DE INVERSI\u00d3N
\u2014
100,00
100,00
20
15
5
BBVA AXIAL TECH SA DE CV
MEXICO
SERVICIOS
100,00
\u2014
100,00
192
249
15
BBVA BOLSA SOCIEDAD AGENTE DE BOLSA S.A.
PERU
SOCIEDAD DE VALORES
(INVERSI\u00d3N MOBILIARIA)
\u2014
100,00
100,00
5
4
1
BBVA BRASIL BANCO DE INVESTIMENTO SA
BRASIL
BANCA
100,00
\u2014
100,00
16
20
\u2014
BBVA BROKER ARGENTINA SA
ARGENTINA
SEGUROS
\u2014
99,96
99,96
\u2014
2
9
BBVA BROKER CORREDURIA DE SEGUROS Y
REASEGUROS SA
ESPA\u00d1A
SERVICIOS FINANCIEROS
99,94
0,06
100,00
\u2014
2
7
(1) Conforme al Art\u00edculo 3 del Real Decreto 1159/ 2010, de 17 de septiembre, en la determinaci\u00f3n de la participaci\u00f3n, se han a\u00f1adido a los que directamente posea la sociedad
dominante, los que corresponden a las sociedades dominadas. Por lo que, el n\u00famero de votos correspondiente a la sociedad dominante (incluyendo las sociedades
dependientes de manera indirecta), corresponde al de la sociedad dependiente que participe directamente en el capital social.
(2) Importe sin considerar dividendos a cuenta que se han efectuado en el ejercicio seg\u00fan los estados financieros provisionales de cada sociedad, generalmente a 31 de
diciembre de 2022. Al importe en libros (neto de deterioro y cobertura de negocios en el extranjero), se le ha aplicado el porcentaje de propiedad del Grupo, sin considerar los
deterioros de los fondos de comercio. Datos de sociedades extranjeras al tipo de cambio del 31 de diciembre de 2022. Los datos de las sociedades domiciliadas en Turqu\u00eda y
Argentina son antes de la aplicaci\u00f3n de contabilidad por hiperinflaci\u00f3n.
(3) Sociedad consolidada por integraci\u00f3n global de acuerdo a normas contables (ver Glosario).
Informaci\u00f3n adicional sobre sociedades dependientes que componen el Grupo BBVA y
entidades estructuradas a 31 de diciembre de 2022 (continuaci\u00f3n)
% de participaci\u00f3n en el
capital social (1)
Millones de euros (2)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en
libros
Patrimonio
neto excluido
resultados\u00a0
31.12.2022
Resultado\u00a0
31.12.2022
BBVA COLOMBIA, S.A.
COLOMBIA
BANCA
77,41
18,06
95,47
341
1.062
193
BBVA CONSUMER FINANCE ENTIDAD DE DESARROLLO A
LA PEQUE\u00d1A Y MICRO EMPRESA EDPYME, S.A. (BBVA
CONSUMER FINANCE - EDPYME)
PERU
EN LIQUIDACION
\u2014
100,00
100,00
4
1
3
BBVA DISCOVERY INC
ESTADOS
UNIDOS
SERVICIOS FINANCIEROS
100,00
\u2014
100,00
9
17
(8)
BBVA DISTRIBUIDORA DE SEGUROS S.R.L.
URUGUAY
SERVICIOS FINANCIEROS
\u2014
100,00
100,00
6
3
3
BBVA FUNDOS S.GESTORA FUNDOS PENSOES, S.A.
PORTUGAL
GESTORAS DE FONDOS DE
PENSIONES
100,00
\u2014
100,00
8
6
1
BBVA GLOBAL FINANCE LTD
ISLAS CAIMAN
OTRAS SOCIEDADES
EMISORAS
100,00
\u2014
100,00
\u2014
5
\u2014
BBVA GLOBAL MARKETS BV
PAISES BAJOS
OTRAS SOCIEDADES
EMISORAS
100,00
\u2014
100,00
\u2014
\u2014
\u2014
BBVA GLOBAL SECURITIES, B.V.
PAISES BAJOS
OTRAS SOCIEDADES
EMISORAS
100,00
\u2014
100,00
\u2014
\u2014
\u2014
BBVA HOLDING CHILE, S.A.
CHILE
CARTERA
61,22
38,78
100,00
158
299
43
BBVA INFORMATION TECHNOLOGY ESPA\u00d1A, S.L.
ESPA\u00d1A
SERVICIOS
76,00
\u2014
76,00
1
5
2
BBVA INSTITUI\u00c7AO FINANCEIRA DE CREDITO, S.A.
PORTUGAL
SERVICIOS FINANCIEROS
49,90
50,10
100,00
39
61
4
BBVA LEASING MEXICO, S.A. DE CV
MEXICO
SERVICIOS FINANCIEROS
\u2014
100,00
100,00
51
214
22
BBVA MEDIACION OPERADOR DE BANCA-SEGUROS
VINCULADO, S.A.
ESPA\u00d1A
SERVICIOS FINANCIEROS
99,99
0,01
100,00
11
(14)
27
BBVA MEXICO, S.A. INSTITUCION DE BANCA MULTIPLE
GRUPO FINANCIERO BBVA MEXICO
MEXICO
BANCA
\u2014
100,00
100,00
14.382
10.770
3.611
BBVA NEXT TECHNOLOGIES OPERADORA, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
BBVA NEXT TECHNOLOGIES SLU
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
33
25
5
BBVA NEXT TECHNOLOGIES, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
BBVA OP3N S.L.
ESPA\u00d1A
SERVICIOS
\u2014
100,00
100,00
\u2014
2
\u2014
BBVA OPERADORA MEXICO, S.A. DE CV
MEXICO
SERVICIOS
\u2014
100,00
100,00
65
60
5
BBVA PENSIONES MEXICO, S.A. DE C.V., GRUPO
FINANCIERO BBVA MEXICO
MEXICO
SEGUROS
\u2014
100,00
100,00
336
242
95
BBVA PENSIONES, S.A. ENTIDAD GESTORA DE FONDOS DE
PENSIONES
ESPA\u00d1A
GESTORAS DE FONDOS DE
PENSIONES
100,00
\u2014
100,00
13
15
9
BBVA PERU HOLDING SAC
PERU
CARTERA
100,00
\u2014
100,00
109
1.066
219
BBVA PREVISION AFP, S.A. ADM.DE FONDOS DE
PENSIONES
BOLIVIA
GESTORAS DE FONDOS DE
PENSIONES
75,00
5,00
80,00
2
5
11
BBVA PROCESSING SERVICES INC.
ESTADOS
UNIDOS
SERVICIOS FINANCIEROS
100,00
\u2014
100,00
1
1
\u2014
BBVA RE INHOUSE COMPA\u00d1IA DE REASEGUROS, S.E.
ESPA\u00d1A
SEGUROS
\u2014
100,00
100,00
39
57
9
BBVA SECURITIES INC
ESTADOS
UNIDOS
SERVICIOS FINANCIEROS
100,00
\u2014
100,00
233
266
(13)
BBVA SEGUROS ARGENTINA, S.A.
ARGENTINA
SEGUROS
87,78
12,22
100,00
11
19
32
BBVA SEGUROS COLOMBIA, S.A.
COLOMBIA
SEGUROS
94,00
6,00
100,00
10
17
10
BBVA SEGUROS DE VIDA COLOMBIA, S.A.
COLOMBIA
SEGUROS
94,00
6,00
100,00
14
81
22
BBVA SEGUROS M\u00c9XICO, S.A. DE CV GRUPO FINANCIERO
BBVA MEXICO
MEXICO
SEGUROS
\u2014
100,00
100,00
518
228
290
BBVA SEGUROS, S.A. DE SEGUROS Y REASEGUROS
ESPA\u00d1A
SEGUROS
99,96
\u2014
99,96
713
675
223
BBVA SEGUROS SALUD MEXICO, S.A. DE CV GRUPO FRO.
BBVA MEXICO.
MEXICO
SEGUROS
\u2014
100,00
100,00
12
9
4
BBVA SERVICIOS ADMINISTRATIVOS MEXICO, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
36
52
(16)
BBVA SERVICIOS CORPORATIVOS MEXICO, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
4
4
\u2014
BBVA SERVICIOS, S.A.
ESPA\u00d1A
COMERCIAL
\u2014
100,00
100,00
\u2014
\u2014
\u2014
BBVA SOCIEDAD TITULIZADORA, S.A.
PERU
OTRAS SOCIEDADES
EMISORAS
\u2014
100,00
100,00
1
1
\u2014
BBVA TRADE, S.A.
ESPA\u00d1A
CARTERA
\u2014
100,00
100,00
9
9
\u2014
(1) Conforme al Art\u00edculo 3 del Real Decreto 1159/ 2010, de 17 de septiembre, en la determinaci\u00f3n de la participaci\u00f3n, se han a\u00f1adido a los que directamente posea la sociedad
dominante, los que corresponden a las sociedades dominadas. Por lo que, el n\u00famero de votos correspondiente a la sociedad dominante (incluyendo las sociedades dependientes
de manera indirecta), corresponde al de la sociedad dependiente que participe directamente en el capital social.
(2) Importe sin considerar dividendos a cuenta que se han efectuado en el ejercicio seg\u00fan los estados financieros provisionales de cada sociedad, generalmente a 31 de
diciembre de 2022. Al importe en libros (neto de deterioro y cobertura de negocios en el extranjero), se le ha aplicado el porcentaje de propiedad del Grupo, sin considerar los
deterioros de los fondos de comercio. Datos de sociedades extranjeras al tipo de cambio del 31 de diciembre de 2022. Los datos de las sociedades domiciliadas en Turqu\u00eda y
Argentina son antes de la aplicaci\u00f3n de contabilidad por hiperinflaci\u00f3n.
Informaci\u00f3n adicional sobre sociedades dependientes que componen el Grupo BBVA y
entidades estructuradas a 31 de diciembre de 2022 (continuaci\u00f3n)
% de participaci\u00f3n en el
capital social (1)
Millones de euros (2)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en libros
Patrimonio
neto excluido
resultados\u00a0
31.12.2022
Resultado\u00a0
31.12.2022
BBVA VALORES COLOMBIA, S.A. COMISIONISTA
DE BOLSA
COLOMBIA
SOCIEDAD DE VALORES
(INVERSI\u00d3N
MOBILIARIA)
\u2014
100,00
100,00
8
8
\u2014
BILBAO VIZCAYA HOLDING SAU
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
160
321
(32)
CAIXA MANRESA IMMOBILIARIA ON CASA, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
2
2
\u2014
CARTERA E INVERSIONES, S.A.
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
92
131
4
CASA DE BOLSA BBVA MEXICO, S.A. DE CV
MEXICO
SOCIEDAD DE VALORES
(INVERSI\u00d3N
MOBILIARIA)
\u2014
100,00
100,00
69
46
24
CATALONIA PROMODIS 4, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
1
1
\u2014
CATALUNYACAIXA IMMOBILIARIA, S.A.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
194
181
14
CATALUNYACAIXA SERVEIS, S.A.
ESPA\u00d1A
SERVICIOS
100,00
\u2014
100,00
2
2
\u2014
CDD GESTIONI S.R.L. IN LIQUIDAZIONE
ITALIA
EN LIQUIDACION
100,00
\u2014
100,00
\u2014
\u2014
\u2014
CIDESSA DOS, S.L.
ESPA\u00d1A
CARTERA
\u2014
100,00
100,00
16
15
2
CIERVANA, S.L.
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
53
52
2
COMERCIALIZADORA CORPORATIVA SAC
PERU
SERVICIOS
FINANCIEROS
\u2014
50,00
50,00
\u2014
\u2014
\u2014
COMERCIALIZADORA DE SERVICIOS
FINANCIEROS, S.A.
COLOMBIA
SERVICIOS
\u2014
100,00
100,00
3
4
\u2014
COMPA\u00d1IA CHILENA DE INVERSIONES, S.L.
ESPA\u00d1A
CARTERA
99,97
0,03
100,00
221
272
10
CONSOLIDAR A.F.J.P, S.A.
ARGENTINA
EN LIQUIDACION
46,11
53,89
100,00
1
\u2014
\u2014
CONTENTS AREA, S.L.
ESPA\u00d1A
SERVICIOS
\u2014
100,00
100,00
5
5
\u2014
CONTINENTAL DPR FINANCE COMPANY
ISLAS CAIMAN
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
CONTRATACION DE PERSONAL, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
CORPORACION GENERAL FINANCIERA, S.A.
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
510
885
19
CREA MADRID NUEVO NORTE, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
75,54
75,54
130
176
(4)
DATA ARCHITECTURE AND TECHNOLOGY
MEXICO, S.A. DE CV
MEXICO
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
DATA ARCHITECTURE AND TECHNOLOGY, S.L.
ESPA\u00d1A
SERVICIOS
\u2014
51,00
51,00
\u2014
4
\u2014
DATA ARQUITECTURE AND TECHNOLOGY
OPERADORA, S.A. DE CV
MEXICO
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
DEUTSCHE BANK MEXICO, S.A. FIDEICOMISO
F/1859
MEXICO
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
DEUTSCHE BANK MEXICO, S.A. FIDEICOMISO
F/1860
MEXICO
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
ECASA, S.A.
CHILE
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
39
30
10
EMPRENDIMIENTOS DE VALOR, S.A.
URUGUAY
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
3
3
\u2014
EUROPEA DE TITULIZACION, S.A. SGFT.
ESPA\u00d1A
SERVICIOS
FINANCIEROS
88,24
\u2014
88,24
2
18
2
F/11395 FIDEICOMISO IRREVOCABLE DE
ADMINISTRACION CON DERECHO DE
REVERSION (3)
MEXICO
INMOBILIARIA
\u2014
42,40
42,40
1
1
\u2014
F/253863 EL DESEO RESIDENCIAL
MEXICO
INMOBILIARIA
\u2014
65,00
65,00
\u2014
1
\u2014
FIDEICOMISO 28991-8 TRADING EN LOS
MCADOS FINANCIEROS
MEXICO
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
4
3
\u2014
FIDEICOMISO F/29764-8 SOCIO LIQUIDADOR
DE OPERACIONES FINANCIERAS DERIVADAS
MEXICO
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
57
46
11
FIDEICOMISO F/403112-6 DE ADMINISTRACION
DOS LAGOS
MEXICO
INMOBILIARIA
\u2014
100,00
100,00
\u2014
\u2014
\u2014
FIDEICOMISO HARES BBVA BANCOMER F/
47997-2
MEXICO
INMOBILIARIA
\u2014
100,00
100,00
4
3
1
FIDEICOMISO INMUEBLES CONJUNTO
RESIDENCIAL HORIZONTES DE VILLA
CAMPESTRE
COLOMBIA
INMOBILIARIA
\u2014
100,00
100,00
\u2014
1
\u2014
FIDEICOMISO LOTE 6.1 ZARAGOZA
COLOMBIA
INMOBILIARIA
\u2014
59,99
59,99
\u2014
1
\u2014
FIDEICOMISO SCOTIABANK INVERLAT S A
F100322908
MEXICO
INMOBILIARIA
\u2014
100,00
100,00
2
2
\u2014
(1) Conforme al Art\u00edculo 3 del Real Decreto 1159/ 2010, de 17 de septiembre, en la determinaci\u00f3n de la participaci\u00f3n, se han a\u00f1adido a los que directamente posea la sociedad
dominante, los que corresponden a las sociedades dominadas. Por lo que, el n\u00famero de votos correspondiente a la sociedad dominante (incluyendo las sociedades
dependientes de manera indirecta), corresponde al de la sociedad dependiente que participe directamente en el capital social.
(2) Importe sin considerar dividendos a cuenta que se han efectuado en el ejercicio seg\u00fan los estados financieros provisionales de cada sociedad, generalmente a 31 de
diciembre de 2022. Al importe en libros (neto de deterioro y cobertura de negocios en el extranjero), se le ha aplicado el porcentaje de propiedad del Grupo, sin considerar los
deterioros de los fondos de comercio. Datos de sociedades extranjeras al tipo de cambio del 31 de diciembre de 2022. Los datos de las sociedades domiciliadas en Turqu\u00eda y
Argentina son antes de la aplicaci\u00f3n de contabilidad por hiperinflaci\u00f3n.
(3) Sociedad consolidada por integraci\u00f3n global de acuerdo a normas contables (ver Glosario).
Informaci\u00f3n adicional sobre sociedades dependientes que componen el Grupo BBVA y
entidades estructuradas a 31 de diciembre de 2022 (continuaci\u00f3n)
% de participaci\u00f3n en el
capital social (1)
Millones de euros (2)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en
libros
Patrimonio
neto excluido
resultados\u00a0
31.12.2022
Resultado\u00a0
31.12.2022
FINANCIERA AYUDAMOS, S.A. DE C.V., SOFOMER
MEXICO
EN LIQUIDACION
\u2014
100,00
100,00
6
5
\u2014
FOMENTO Y DESARROLLO DE CONJUNTOS
RESIDENCIALES, S.L. EN LIQUIDACION
ESPA\u00d1A
EN LIQUIDACION
\u2014
60,00
60,00
\u2014
\u2014
\u2014
FORUM COMERCIALIZADORA DEL PERU, S.A.
PERU
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
FORUM DISTRIBUIDORA DEL PERU, S.A.
PERU
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
8
7
1
FORUM DISTRIBUIDORA, S.A.
CHILE
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
45
41
2
FORUM SERVICIOS FINANCIEROS, S.A.
CHILE
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
271
219
42
FUTURO FAMILIAR, S.A. DE C.V.
MEXICO
EN LIQUIDACION
\u2014
100,00
100,00
1
1
\u2014
G NETHERLANDS BV
PAISES BAJOS
CARTERA
\u2014
100,00
100,00
393
325
\u2014
GARANTI BANK, S.A.
RUMANIA
BANCA
\u2014
100,00
100,00
254
317
39
GARANTI BBVA AS
TURQUIA
BANCA
85,97
\u2014
85,97
5.247
4.914
2.941
GARANTI BBVA EMEKLILIK AS
TURQUIA
SEGUROS
\u2014
84,91
84,91
87
50
51
GARANTI BBVA FACTORING AS
TURQUIA
SERVICIOS
FINANCIEROS
\u2014
81,84
81,84
28
17
18
GARANTI BBVA FILO AS
TURQUIA
SERVICIOS
\u2014
100,00
100,00
100
50
50
GARANTI BBVA LEASING AS
TURQUIA
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
189
118
71
GARANTI BBVA PORTFOY AS
TURQUIA
GESTORAS DE FONDOS
DE INVERSI\u00d3N
\u2014
100,00
100,00
16
8
8
GARANTI BBVA YATIRIM AS
TURQUIA
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
112
51
61
GARANTI DIVERSIFIED PAYMENT RIGHTS FINANCE
COMPANY
ISLAS CAIMAN
OTRAS SOCIEDADES
EMISORAS
\u2014
100,00
100,00
\u2014
(8)
6
GARANTI FILO SIGORTA ARACILIK HIZMETLERI A.S.
TURQUIA
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
GARANTI HOLDING BV
PAISES BAJOS
CARTERA
\u2014
100,00
100,00
565
394
\u2014
GARANTI KONUT FINANSMANI DANISMANLIK
HIZMETLERI AS (GARANTI MORTGAGE)
TURQUIA
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
GARANTI KULTUR AS
TURQUIA
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
GARANTI ODEME SISTEMLERI AS (GOSAS)
TURQUIA
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
6
4
3
GARANTI ODEME VE ELEKTRONIK PARA HIZMETLERI
ANONIM SIRKETI
TURQUIA
ENTIDADES DE PAGO
\u2014
100,00
100,00
5
6
(2)
GARANTI YATIRIM ORTAKLIGI AS (3) (4)
TURQUIA
CARTERA
\u2014
3,61
3,61
\u2014
2
1
GARANTI BANK BBVA INTERNATIONAL N.V.
PAISES BAJOS
BANCA
\u2014
100,00
100,00
724
603
41
GESCAT GESTIO DE SOL, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
8
6
2
GESCAT LLEVANT, S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
1
1
\u2014
GESCAT LLOGUERS, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
3
3
\u2014
GESCAT VIVENDES EN COMERCIALITZACIO, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
36
38
(2)
GESTION DE PREVISION Y PENSIONES, S.A.
ESPA\u00d1A
GESTORAS DE FONDOS
DE PENSIONES
60,00
\u2014
60,00
9
15
6
GESTION Y ADMINISTRACION DE RECIBOS, S.A. -
GARSA
ESPA\u00d1A
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
GRAN JORGE JUAN, S.A.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
424
432
15
GRUPO FINANCIERO BBVA MEXICO, S.A. DE CV
MEXICO
SERVICIOS
FINANCIEROS
99,98
\u2014
99,98
8.480
12.275
4.004
INMUEBLES Y RECUPERACIONES CONTINENTAL, S.A.
PERU
INMOBILIARIA
\u2014
100,00
100,00
15
13
2
INVERAHORRO, S.L.
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
118
122
(4)
INVERSIONES ALDAMA, C.A.
VENEZUELA
EN LIQUIDACION
\u2014
100,00
100,00
\u2014
\u2014
\u2014
INVERSIONES BANPRO INTERNATIONAL INC NV (3)
CURACAO
CARTERA
48,00
\u2014
48,00
16
44
2
(1) Conforme al Art\u00edculo 3 del Real Decreto 1159/ 2010, de 17 de septiembre, en la determinaci\u00f3n de la participaci\u00f3n, se han a\u00f1adido a los que directamente posea la sociedad
dominante, los que corresponden a las sociedades dominadas. Por lo que, el n\u00famero de votos correspondiente a la sociedad dominante (incluyendo las sociedades
dependientes de manera indirecta), corresponde al de la sociedad dependiente que participe directamente en el capital social.
(2) Importe sin considerar dividendos a cuenta que se han efectuado en el ejercicio seg\u00fan los estados financieros provisionales de cada sociedad, generalmente a 31 de
diciembre de 2022. Al importe en libros (neto de deterioro y cobertura de negocios en el extranjero), se le ha aplicado el porcentaje de propiedad del Grupo, sin considerar los
deterioros de los fondos de comercio. Datos de sociedades extranjeras al tipo de cambio del 31 de diciembre de 2022. Los datos de las sociedades domiciliadas en Turqu\u00eda y
Argentina son antes de la aplicaci\u00f3n de contabilidad por hiperinflaci\u00f3n.
(3) Sociedad consolidada por integraci\u00f3n global de acuerdo a normas contables (ver Glosario).
(4) El porcentaje de derechos de voto pose\u00eddos por las entidades del grupo en esta sociedad es 99,97%.
Informaci\u00f3n adicional sobre sociedades dependientes que componen el Grupo BBVA y
entidades estructuradas a 31 de diciembre de 2022 (continuaci\u00f3n)
% de participaci\u00f3n en el capital
social (1)
Millones de euros (2)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en
libros
Patrimonio neto
excluido
resultados\u00a0
31.12.2022
Resultado\u00a0
31.12.2022
INVERSIONES BAPROBA CA
VENEZUELA
SERVICIOS
FINANCIEROS
100,00
\u2014
100,00
\u2014
\u2014
\u2014
INVERSIONES P.H.R.4, C.A.
VENEZUELA
SIN ACTIVIDAD
\u2014
60,46
60,46
\u2014
\u2014
\u2014
MADIVA SOLUCIONES, S.L.
ESPA\u00d1A
SERVICIOS
\u2014
100,00
100,00
4
3
\u2014
MISAPRE, S.A. DE C.V.
MEXICO
EN LIQUIDACION
\u2014
100,00
100,00
\u2014
\u2014
\u2014
MOMENTUM SOCIAL INVESTMENT HOLDING, S.L.
ESPA\u00d1A
CARTERA
\u2014
100,00
100,00
7
8
\u2014
MOTORACTIVE IFN, S.A.
RUMANIA
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
35
32
3
MOTORACTIVE MULTISERVICES SRL
RUMANIA
SERVICIOS
\u2014
100,00
100,00
\u2014
3
1
MOVISTAR CONSUMER FINANCE COLOMBIA SAS
COLOMBIA
SERVICIOS
FINANCIEROS
\u2014
50,00
50,00
7
11
(7)
MULTIASISTENCIA OPERADORA, S.A. DE C.V.
MEXICO
SEGUROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
MULTIASISTENCIA SERVICIOS, S.A. DE C.V.
MEXICO
SEGUROS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
MULTIASISTENCIA, S.A. DE C.V.
MEXICO
SEGUROS
\u2014
100,00
100,00
73
52
21
OPCION VOLCAN, S.A.
MEXICO
INMOBILIARIA
\u2014
100,00
100,00
3
3
\u2014
OPENPAY ARGENTINA, S.A.
ARGENTINA
ENTIDADES DE
PAGO
\u2014
100,00
100,00
5
6
2
OPENPAY COLOMBIA SAS
COLOMBIA
ENTIDADES DE
PAGO
\u2014
100,00
100,00
4
3
(2)
OPENPAY PER\u00da, S.A.
PERU
ENTIDADES DE
PAGO
\u2014
100,00
100,00
6
5
(3)
OPENPAY, S.A. DE C.V.
MEXICO
ENTIDADES DE
PAGO
\u2014
100,00
100,00
30
18
(9)
OPENPAY SERVICIOS, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
OPERADORA DOS LAGOS, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
OPPLUS OPERACIONES Y SERVICIOS, S.A.
ESPA\u00d1A
SERVICIOS
100,00
\u2014
100,00
1
23
10
PECRI INVERSION, S.L.
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
112
109
2
PORTICO PROCAM, S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
26
26
\u2014
PROMOTORA DEL VALLES, S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
15
19
1
PROMOU CT OPENSEGRE, S.L.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
5
5
\u2014
PRONORTE UNO PROCAM, S.A.
ESPA\u00d1A
INMOBILIARIA
\u2014
100,00
100,00
1
1
\u2014
PROPEL EXPLORER FUND I LP
ESTADOS
UNIDOS
CARTERA
\u2014
99,50
99,50
20
22
\u2014
PROPEL EXPLORER FUND II LP
ESTADOS
UNIDOS
CARTERA
\u2014
99,50
99,50
\u2014
\u2014
\u2014
PROPEL VENTURE PARTNERS BRAZIL US LP
ESTADOS
UNIDOS
CARTERA
\u2014
99,80
99,80
20
22
\u2014
PROPEL VENTURE PARTNERS GLOBAL US, LP
ESTADOS
UNIDOS
CARTERA
\u2014
99,50
99,50
121
230
(54)
PROPEL VENTURE PARTNERS US FUND I, L.P.
ESTADOS
UNIDOS
SOCIEDAD
CAPITAL RIESGO
99,50
\u2014
99,50
207
276
(2)
PROPEL XYZ I LP
ESTADOS
UNIDOS
CARTERA
\u2014
99,40
99,40
7
8
(2)
PRO-SALUD, C.A.
VENEZUELA
SIN ACTIVIDAD
\u2014
58,86
58,86
\u2014
\u2014
\u2014
PROVINCIAL DE VALORES CASA DE BOLSA CA
VENEZUELA
SOCIEDAD DE
VALORES
(INVERSI\u00d3N
MOBILIARIA)
\u2014
90,00
90,00
1
1
\u2014
PROVINCIAL SDAD.ADMIN.DE ENTIDADES DE
INV.COLECTIVA CA
VENEZUELA
GESTORAS DE
FONDOS DE
INVERSI\u00d3N
\u2014
100,00
100,00
1
1
\u2014
PROVIVIENDA ENTIDAD RECAUDADORA Y ADMIN.DE
APORTES, S.A.
BOLIVIA
GESTORAS DE
FONDOS DE
PENSIONES
\u2014
100,00
100,00
2
2
\u2014
PSA FINANCE ARGENTINA COMPA\u00d1IA FINANCIERA, S.A.
ARGENTINA
BANCA
\u2014
50,00
50,00
11
13
9
RALFI IFN, S.A.
RUMANIA
SERVICIOS
FINANCIEROS
\u2014
100,00
100,00
37
21
(3)
RPV COMPANY
ISLAS CAIMAN
OTRAS
SOCIEDADES
EMISORAS
\u2014
100,00
100,00
\u2014
(1)
\u2014
(1) Conforme al Art\u00edculo 3 del Real Decreto 1159/ 2010, de 17 de septiembre, en la determinaci\u00f3n de la participaci\u00f3n, se han a\u00f1adido a los que directamente posea la sociedad
dominante, los que corresponden a las sociedades dominadas. Por lo que, el n\u00famero de votos correspondiente a la sociedad dominante (incluyendo las sociedades
dependientes de manera indirecta), corresponde al de la sociedad dependiente que participe directamente en el capital social.
(2) Importe sin considerar dividendos a cuenta que se han efectuado en el ejercicio seg\u00fan los estados financieros provisionales de cada sociedad, generalmente a 31 de
diciembre de 2022. Al importe en libros (neto de deterioro y cobertura de negocios en el extranjero), se le ha aplicado el porcentaje de propiedad del Grupo, sin considerar los
deterioros de los fondos de comercio. Datos de sociedades extranjeras al tipo de cambio del 31 de diciembre de 2022. Los datos de las sociedades domiciliadas en Turqu\u00eda y
Argentina son antes de la aplicaci\u00f3n de contabilidad por hiperinflaci\u00f3n.
Informaci\u00f3n adicional sobre sociedades dependientes que componen el Grupo BBVA y
entidades estructuradas a 31 de diciembre de 2022 (continuaci\u00f3n)
% de participaci\u00f3n en el capital
social (1)
Millones de euros (2)
Datos de la entidad participada
Sociedad
Domicilio
Actividad
Directo
Indirecto
Total
Valor
neto en
libros
Patrimonio neto
excluido
resultados\u00a0
31.12.2022
Resultado\u00a0
31.12.2022
SATICEM GESTIO, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
2
2
\u2014
SATICEM HOLDING, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
5
5
\u2014
SATICEM IMMOBLES EN ARRENDAMENT, S.L.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
2
2
\u2014
SEGUROS PROVINCIAL CA
VENEZUELA
SEGUROS
\u2014
100,00
100,00
10
14
(4)
SERVICIOS CORPORATIVOS DE SEGUROS, S.A. DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
1
1
\u2014
SERVICIOS EXTERNOS DE APOYO EMPRESARIAL, S.A DE C.V.
MEXICO
SERVICIOS
\u2014
100,00
100,00
8
8
\u2014
SOCIEDAD DE ESTUDIOS Y ANALISIS FINANCIERO, S.A.
ESPA\u00d1A
SERVICIOS
100,00
\u2014
100,00
67
65
2
SOCIEDAD PERUANA DE FINANCIAMIENTO SAC
PERU
SERVICIOS
FINANCIEROS
\u2014
50,00
50,00
1
3
\u2014
SPORT CLUB 18, S.A.
ESPA\u00d1A
CARTERA
100,00
\u2014
100,00
11
11
\u2014
TREE INVERSIONES INMOBILIARIAS, S.A.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
1.988
754
23
TRIFOI REAL ESTATE SRL
RUMANIA
INMOBILIARIA
\u2014
100,00
100,00
1
1
\u2014
UNNIM SOCIEDAD PARA LA GESTION DE ACTIVOS
INMOBILIARIOS, S.A.
ESPA\u00d1A
INMOBILIARIA
100,00
\u2014
100,00
531
417
20
URBANIZADORA SANT LLORENC, S.A.
ESPA\u00d1A
SIN ACTIVIDAD
60,60
\u2014
60,60
\u2014
\u2014
\u2014
VERIDAS DIGITAL AUTHENTICATION SOLUTIONS MEXICO
SACV
MEXICO
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
VERIDAS DIGITAL AUTHENTICATION SOLUTIONS, S.L.
ESPA\u00d1A
SERVICIOS
\u2014
51,00
51,00
1
4
(1)
VERIDAS DIGITAL AUTHENTICATION SOLUTIONS USA LLC
ESTADOS
UNIDOS
SERVICIOS
\u2014
100,00
100,00
\u2014
\u2014
\u2014
VOLKSWAGEN FINANCIAL SERVICES COMPA\u00d1IA FINANCIERA,
S.A.
ARGENTINA
BANCA
\u2014
51,00
51,00
18
22
14
(1) Conforme al Art\u00edculo 3 del Real Decreto 1159/ 2010, de 17 de septiembre, en la determinaci\u00f3n de la participaci\u00f3n, se han a\u00f1adido a los que directamente posea la sociedad
dominante, los que corresponden a las sociedades dominadas. Por lo que, el n\u00famero de votos correspondiente a la sociedad dominante (incluyendo las sociedades
dependientes de manera indirecta), corresponde al de la sociedad dependiente que participe directamente en el capital social.
(2) Importe sin considerar dividendos a cuenta que se han efectuado en el ejercicio seg\u00fan los estados financieros provisionales de cada sociedad, generalmente a 31 de
diciembre de 2022. Al importe en libros (neto de deterioro y cobertura de negocios en el extranjero), se le ha aplicado el porcentaje de propiedad del Grupo, sin considerar los
deterioros de los fondos de comercio. Datos de sociedades extranjeras al tipo de cambio del 31 de diciembre de 2022. Los datos de las sociedades domiciliadas en Turqu\u00eda y
Argentina son antes de la aplicaci\u00f3n de contabilidad por hiperinflaci\u00f3n.
Este Anexo forma parte integrante de la Nota 3 de las Cuentas Anuales consolidadas correspondientes al ejercicio 2022.
", "dimensions": { "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV82NjEvZnJhZzozZmM0NDBjMDZiMGU0ZGVlYjQxYjcyYzU4NjdhZmFmZS90ZXh0cmVnaW9uOjNmYzQ0MGMwNmIwZTRkZWViNDFiNzJjNTg2N2FmYWZlXzQyMzMxMTk3NjY5OTMx_5843d3da-edfb-40a9-90c0-9ddebe8e0b18": { "value": "
ANEXO VIII. Cuentas de p\u00e9rdidas y ganancias consolidadas correspondientes al primer y
segundo semestre de 2022 y 2021
CUENTAS DE P\u00c9RDIDAS Y GANANCIAS CONSOLIDADAS (Millones de euros)
Primer\u00a0
semestre
2022
Segundo
semestre
2022
Primer\u00a0
semestre
2021 \u207d\u00b9\u207e
Segundo
semestre
2021 \u207d\u00b9\u207e
Ingresos por intereses y otros ingresos similares
13.403
18.029
10.962
12.053
Activos financieros a valor razonable con cambios en otro resultado global
1.304
1.806
814
1.066
Activos financieros a coste amortizado
10.395
14.863
8.849
9.515
Restantes activos
1.704
1.360
1.299
1.472
Gastos por intereses
(4.852)
(7.427)
(4.007)
(4.322)
MARGEN DE INTERESES
8.551
10.603
6.955
7.731
Ingresos por dividendos
76
47
125
50
Resultados de entidades valoradas por el m\u00e9todo de la participaci\u00f3n
15
6
(5)
6
Ingresos por comisiones
3.964
4.297
3.311
3.686
Gastos por comisiones
(1.314)
(1.594)
(996)
(1.235)
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos y pasivos financieros no valorados a
valor razonable con cambios en resultados, netas
39
25
121
13
Activos financieros a coste amortizado
8
\u2014
5
22
Restantes activos y pasivos financieros
31
25
115
(9)
Ganancias (p\u00e9rdidas) por activos y pasivos financieros mantenidos para negociar, netas
11
551
463
(122)
Reclasificaci\u00f3n de activos financieros desde valor razonable con cambios en otro resultado
global
\u2014
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de activos financieros desde coste amortizado
\u2014
\u2014
\u2014
\u2014
Otras ganancias (p\u00e9rdidas)
11
551
463
(122)
Ganancias (p\u00e9rdidas) por activos financieros no destinados a negociaci\u00f3n valorados
obligatoriamente a valor razonable con cambios en resultados, netas
(35)
(32)
280
152
Reclasificaci\u00f3n de activos financieros desde valor razonable con cambios en otro resultado
global
\u2014
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de activos financieros desde coste amortizado
\u2014
\u2014
\u2014
\u2014
Otras ganancias (p\u00e9rdidas)
(35)
(32)
280
152
Ganancias (p\u00e9rdidas) por activos y pasivos financieros designados a valor razonable con
cambios en resultados, netas
348
(198)
96
239
Ganancias (p\u00e9rdidas) resultantes de la contabilidad de coberturas, netas
16
(61)
(81)
(133)
Diferencias de cambio, netas
716
559
206
677
Otros ingresos de explotaci\u00f3n
297
231
340
321
Otros gastos de explotaci\u00f3n
(1.803)
(1.635)
(997)
(1.044)
Ingresos de activos amparados por contratos de seguro o reaseguro
1.537
1.566
1.350
1.243
Gastos de pasivos amparados por contratos de seguro o reaseguro
(908)
(984)
(909)
(776)
MARGEN BRUTO
11.509
13.381
10.259
10.807
Gastos de administraci\u00f3n
(4.401)
(5.031)
(3.983)
(4.313)
\u00a0 \u00a0 Gastos de personal
(2.587)
(3.025)
(2.371)
(2.675)
\u00a0 \u00a0 Otros gastos de administraci\u00f3n
(1.815)
(2.006)
(1.612)
(1.638)
Amortizaci\u00f3n
(652)
(676)
(615)
(619)
Provisiones o reversi\u00f3n de provisiones
(112)
(179)
(928)
(90)
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos financieros no valorados a valor
razonable con cambios en resultados y p\u00e9rdidas o ganancias netas por modificaci\u00f3n
(1.441)
(1.938)
(1.580)
(1.454)
\u00a0 \u00a0 Activos financieros valorados a coste amortizado
(1.391)
(1.912)
(1.587)
(1.430)
\u00a0 \u00a0 Activos financieros a valor razonable con cambios en otro resultado global
(50)
(26)
8
(25)
RESULTADO DE LA ACTIVIDAD DE EXPLOTACI\u00d3N
4.903
5.556
3.153
4.331
Deterioro del valor o reversi\u00f3n del deterioro del valor de inversiones en negocios conjuntos o
asociadas
19
24
\u2014
\u2014
Deterioro del valor o reversi\u00f3n del deterioro del valor de activos no financieros
\u2014
(27)
(196)
(26)
\u00a0 \u00a0 Activos tangibles
22
31
(158)
(3)
\u00a0 \u00a0 Activos intangibles
(5)
(20)
(5)
(14)
\u00a0 \u00a0 Otros
(17)
(38)
(33)
(8)
Ganancias (p\u00e9rdidas) al dar de baja en cuentas activos no financieros y participaciones, netas
(15)
4
5
19
Fondo de comercio negativo reconocido en resultados
\u2014
\u2014
\u2014
\u2014
Ganancias (p\u00e9rdidas) procedentes de activos no corrientes y grupos enajenables de elementos
clasificados como mantenidos para la venta no admisibles como actividades interrumpidas
(120)
13
(73)
33
GANANCIAS (P\u00c9RDIDAS) ANTES DE IMPUESTOS PROCEDENTES DE LAS ACTIVIDADES
CONTINUADAS
4.787
5.569
2.889
4.358
Gastos o ingresos por impuestos sobre las ganancias de las actividades continuadas
(1.668)
(1.861)
(782)
(1.127)
GANANCIAS (P\u00c9RDIDAS) DESPU\u00c9S DE IMPUESTOS PROCEDENTES DE LAS
ACTIVIDADES CONTINUADAS
3.119
3.708
2.107
3.231
Ganancias (p\u00e9rdidas) despu\u00e9s de impuestos procedentes de actividades interrumpidas
\u2014
\u2014
280
\u2014
RESULTADO DEL EJERCICIO
3.119
3.708
2.387
3.231
ATRIBUIBLE A INTERESES MINORITARIOS (PARTICIPACIONES NO DOMINANTES)
117
290
476
489
ATRIBUIBLE A LOS PROPIETARIOS DE LA DOMINANTE
3.001
3.419
1.911
2.742
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
ANEXO VIII. Cuentas de p\u00e9rdidas y ganancias consolidadas correspondientes al primer y
segundo semestre de 2022 y 2021 (continuaci\u00f3n)
BENEFICIO (P\u00c9RDIDA) POR ACCI\u00d3N (Euros)
Primer\u00a0
semestre
2022
Segundo
semestre
2022
Primer\u00a0
semestre
2021 \u207d\u00b9\u207e
Segundo
semestre
2021 \u207d\u00b9\u207e
BENEFICIO (P\u00c9RDIDA) POR ACCI\u00d3N (Euros)
0,45
0,54
0,26
0,41
Beneficio (p\u00e9rdida) b\u00e1sico por acci\u00f3n en actividades continuadas
0,45
0,54
0,21
0,41
Beneficio (p\u00e9rdida) diluido por acci\u00f3n en actividades continuadas
0,45
0,54
0,21
0,41
Beneficio (p\u00e9rdida) b\u00e1sico por acci\u00f3n en actividades interrumpidas
\u2014
\u2014
0,04
\u2014
Beneficio (p\u00e9rdida) diluido por acci\u00f3n en actividades interrumpidas
\u2014
\u2014
0,04
\u2014
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
", "dimensions": { "concept": "ifrs-full:DisclosureOfInterimFinancialReportingExplanatory", "language": "es", "entity": "scheme:K8MS7FD7N5Z2WQ51AZ71", "period": "2022-01-01T00:00:00/2023-01-01T00:00:00" } }, "id3VybDovL2RvY3MudjEvZG9jOjNmYzc5NDZlNjRlYjQ5ODhhNTIyYzczYmUwZDM5OTA5L3NlYzozZmM3OTQ2ZTY0ZWI0OTg4YTUyMmM3M2JlMGQzOTkwOV82NjQvZnJhZzoxNjdiNTQwY2Q4Njk0Y2U5ODJlYWJiYzZkNzc5NDkyZC90ZXh0cmVnaW9uOjE2N2I1NDBjZDg2OTRjZTk4MmVhYmJjNmQ3Nzk0OTJkXzQyMzMxMTk3NjY5NDUw_46cd887e-857d-46e3-9c91-293a782b0ffc": { "value": "ANEXO IX. Estados Financieros de Banco Bilbao Vizcaya Argentaria, S.A.
ACTIVO (Millones de euros)
2022
2021 \u207d\u00b9\u207e
EFECTIVO, SALDOS EN EFECTIVO EN BANCOS CENTRALES Y OTROS DEP\u00d3SITOS A LA VISTA
52.973
38.821
ACTIVOS FINANCIEROS MANTENIDOS PARA NEGOCIAR
91.391
105.391
Derivados
35.023
28.389
Instrumentos de patrimonio
3.361
15.146
Valores representativos de deuda
11.318
11.546
Pr\u00e9stamos y anticipos a bancos centrales
1.632
3.467
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
23.969
31.300
Pr\u00e9stamos y anticipos a la clientela
16.089
15.543
ACTIVOS FINANCIEROS NO DESTINADOS A NEGOCIACI\u00d3N VALORADOS OBLIGATORIAMENTE
A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS
546
437
Instrumentos de patrimonio
438
172
Valores representativos de deuda
107
125
Pr\u00e9stamos y anticipos a bancos centrales
\u2014
\u2014
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
\u2014
\u2014
Pr\u00e9stamos y anticipos a la clientela
\u2014
140
ACTIVOS FINANCIEROS DESIGNADOS A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS
\u2014
\u2014
ACTIVOS FINANCIEROS A VALOR RAZONABLE CON CAMBIOS EN OTRO RESULTADO GLOBAL
24.854
28.205
Instrumentos de patrimonio
977
1.103
Valores representativos de deuda
23.877
27.102
ACTIVOS FINANCIEROS A COSTE AMORTIZADO
246.950
231.276
Valores representativos de deuda
25.313
22.312
Pr\u00e9stamos y anticipos a bancos centrales
10
254
Pr\u00e9stamos y anticipos a entidades de cr\u00e9dito
9.329
8.371
Pr\u00e9stamos y anticipos a la clientela
212.297
200.339
DERIVADOS - CONTABILIDAD DE COBERTURAS
1.169
841
CAMBIOS DEL VALOR RAZONABLE DE LOS ELEMENTOS CUBIERTOS DE UNA CARTERA CON
COBERTURA DEL RIESGO DE TIPO DE INTER\u00c9S
(148)
5
INVERSIONES EN DEPENDIENTES, NEGOCIOS CONJUNTOS Y ASOCIADAS
21.960
17.504
Dependientes
21.644
17.226
Negocios conjuntos
36
54
Asociadas
280
225
ACTIVOS TANGIBLES
3.531
3.482
Inmovilizado material
3.432
3.396
De uso propio
3.432
3.396
Cedido en arrendamiento operativo
\u2014
\u2014
Inversiones inmobiliarias
99
87
ACTIVOS INTANGIBLES
855
841
Fondo de comercio
\u2014
\u2014
Otros activos intangibles
855
841
ACTIVOS POR IMPUESTOS
12.479
12.294
Activos por impuestos corrientes
1.629
546
Activos por impuestos diferidos
10.850
11.748
OTROS ACTIVOS
1.677
2.296
Contratos de seguros vinculados a pensiones
1.337
1.882
Existencias
\u2014
\u2014
Resto de los otros activos
340
414
ACTIVOS NO CORRIENTES Y GRUPOS ENAJENABLES DE ELEMENTOS QUE SE HAN
CLASIFICADO COMO MANTENIDOS PARA LA VENTA
651
885
TOTAL ACTIVO
458.888
442.279
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
PASIVO Y PATRIMONIO NETO (Millones de euros)
2022
2021 \u207d\u00b9\u207e
PASIVOS FINANCIEROS MANTENIDOS PARA NEGOCIAR
80.853
77.859
Derivados
30.954
27.054
Posiciones cortas de valores
11.408
13.148
Dep\u00f3sitos de bancos centrales
2.161
8.946
Dep\u00f3sitos de entidades de cr\u00e9dito
28.107
14.821
Dep\u00f3sitos de la clientela
8.224
13.890
Valores representativos de deuda emitidos
\u2014
\u2014
Otros pasivos financieros
\u2014
\u2014
PASIVOS FINANCIEROS DESIGNADOS A VALOR RAZONABLE CON CAMBIOS EN RESULTADOS
1.859
2.238
Dep\u00f3sitos de bancos centrales
\u2014
\u2014
Dep\u00f3sitos de entidades de cr\u00e9dito
\u2014
\u2014
Dep\u00f3sitos de la clientela
1.859
2.238
Valores representativos de deuda emitidos
\u2014
\u2014
Otros pasivos financieros
\u2014
\u2014
Pro-memoria: pasivos subordinados
\u2014
\u2014
PASIVOS FINANCIEROS A COSTE AMORTIZADO
335.941
321.848
Dep\u00f3sitos de bancos centrales
32.517
40.839
Dep\u00f3sitos de entidades de cr\u00e9dito
20.200
14.936
Dep\u00f3sitos de la clientela
234.797
216.452
Valores representativos de deuda emitidos
38.511
37.866
Otros pasivos financieros
9.915
11.756
Pro-memoria: pasivos subordinados
9.106
9.912
DERIVADOS - CONTABILIDAD DE COBERTURAS
2.599
2.126
CAMBIOS DEL VALOR RAZONABLE DE LOS ELEMENTOS CUBIERTOS DE UNA CARTERA CON
COBERTURA DEL RIESGO DE TIPO DE INTER\u00c9S
\u2014
\u2014
PROVISIONES
3.385
4.488
Pensiones y otras obligaciones de prestaciones definidas post-empleo
2.085
3.027
Otras retribuciones a los empleados a largo plazo
433
600
Cuestiones procesales y litigios por impuestos pendientes
388
401
Compromisos y garant\u00edas concedidos
280
310
Restantes provisiones
198
150
PASIVOS POR IMPUESTOS
943
999
Pasivos por impuestos corrientes
190
187
Pasivos por impuestos diferidos
753
812
OTROS PASIVOS\u00a0
2.552
1.885
PASIVOS INCLUIDOS EN GRUPOS ENAJENABLES DE ELEMENTOS QUE SE HAN CLASIFICADO
COMO MANTENIDOS PARA LA VENTA
\u2014
\u2014
TOTAL PASIVO
428.133
411.443
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
ESTADOS DE INGRESOS Y GASTOS (Millones de euros)
2022
2021 \u207d\u00b9\u207e
RESULTADO DEL EJERCICIO
4.816
1.080
OTRO RESULTADO GLOBAL
(713)
(349)
ELEMENTOS QUE NO SE RECLASIFICAR\u00c1N EN RESULTADOS
(40)
186
Ganancias (p\u00e9rdidas) actuariales en planes de pensiones de prestaciones definidas
32
(4)
Activos no corrientes y grupos enajenables de elementos mantenidos para la venta
\u2014
\u2014
Cambios del valor razonable de instrumentos de patrimonio valorados a valor razonable con cambios
en otro resultado global, neto
(129)
167
Ganancias (p\u00e9rdidas) de contabilidad de coberturas de instrumentos de patrimonio a valor razonable
con cambios en otro resultado global, neto
\u2014
\u2014
Cambios del valor razonable de pasivos financieros a valor razonable con cambios en resultados
atribuibles a cambios en el riesgo de cr\u00e9dito
100
33
Resto de ajustes de valoraci\u00f3n
\u2014
\u2014
Impuesto sobre las ganancias relativo a los elementos que no se reclasificar\u00e1n
(43)
(10)
ELEMENTOS QUE PUEDEN RECLASIFICARSE EN RESULTADOS
(673)
(535)
Cobertura de inversiones netas en negocios en el extranjero [porci\u00f3n efectiva]
\u2014
\u2014
Conversi\u00f3n de divisas
\u2014
\u2014
Ganancias (p\u00e9rdidas) por cambio de divisas contabilizadas en el patrimonio neto
\u2014
\u2014
Transferido a resultados
\u2014
\u2014
Otras reclasificaciones
\u2014
\u2014
Coberturas de flujos de efectivo [porci\u00f3n efectiva]
191
(705)
Ganancias (p\u00e9rdidas) de valor contabilizadas en el patrimonio neto
191
(705)
Transferido a resultados
\u2014
\u2014
Transferido al importe en libros inicial de los elementos cubiertos
\u2014
\u2014
Otras reclasificaciones
\u2014
\u2014
Instrumentos de cobertura [elementos no designados]
\u2014
\u2014
Ganancias (p\u00e9rdidas) de valor contabilizadas en el patrimonio neto
\u2014
\u2014
Transferido a resultados
\u2014
\u2014
Otras reclasificaciones
\u2014
\u2014
Instrumentos de deuda a valor razonable con cambios en otro resultado global
(1.152)
(14)
Ganancias (p\u00e9rdidas) de valor contabilizadas en el patrimonio neto
(1.148)
49
Transferido a resultados
(4)
(63)
Otras reclasificaciones
\u2014
\u2014
Activos no corrientes y grupos enajenables de elementos mantenidos para la venta
\u2014
\u2014
Ganancias (p\u00e9rdidas) de valor contabilizadas en el patrimonio neto
\u2014
\u2014
Impuesto sobre las ganancias relativo a los elementos que pueden reclasificarse en resultados
288
184
RESULTADO GLOBAL TOTAL DEL EJERCICIO
4.102
731
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
Estado total de cambios en el patrimonio neto correspondiente al ejercicio anual finalizado el 31 de diciembre de 2022 de BBVA, S.A.
ESTADOS TOTALES DE CAMBIOS EN EL PATRIMONIO NETO (Millones de euros)
2022
Capital
Prima
de
emisi\u00f3n
Instrumentos
de patrimonio
emitidos
distintos del
capital
Otros
elementos
del
patrimonio
neto
Ganancias
acumuladas
Reservas de
revalorizaci\u00f3n
Otras
reservas
(-)
Acciones
propias
Resultado
del
ejercicio
(-)
Dividendos
a cuenta
Otro
resultado
global
acumulado
Total
Saldos a 1 de enero de 2022
3.267
23.599
\u2014
49
6.436
\u2014
(1.026)
(574)
1.080
(533)
(1.461)
30.836
Resultado global total del ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
4.816
\u2014
(713)
4.102
Otras variaciones del patrimonio neto
(313)
(2.743)
\u2014
1
(983)
\u2014
553
572
(1.080)
(190)
1
(4.182)
Emisi\u00f3n de acciones ordinarias
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Emisi\u00f3n de acciones preferentes
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Emisi\u00f3n de otros instrumentos de patrimonio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Ejercicio o vencimiento de otros instrumentos de patrimonio
emitidos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Conversi\u00f3n de deuda en patrimonio neto
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Reducci\u00f3n del capital
(313)
(2.743)
\u2014
\u2014
250
\u2014
(355)
3.160
\u2014
\u2014
\u2014
\u2014
Dividendos (o remuneraciones a los socios)
\u2014
\u2014
\u2014
\u2014
(1.467)
\u2014
\u2014
\u2014
\u2014
(724)
\u2014
(2.190)
Compra de acciones propias
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(2.879)
\u2014
\u2014
\u2014
(2.879)
Venta o cancelaci\u00f3n de acciones propias
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(6)
291
\u2014
\u2014
\u2014
285
Reclasificaci\u00f3n de instrumentos financieros del patrimonio
neto al pasivo
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de instrumentos financieros del pasivo al
patrimonio neto
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Transferencias entre componentes del patrimonio neto
\u2014
\u2014
\u2014
1
547
\u2014
(2)
\u2014
(1.080)
533
1
\u2014
Aumento o (-) disminuci\u00f3n del patrimonio neto resultante de
combinaciones de negocios
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Pagos basados en acciones
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros aumentos o (-) disminuciones del patrimonio neto
\u2014
\u2014
\u2014
\u2014
(313)
\u2014
916
\u2014
\u2014
\u2014
\u2014
602
Saldos a 31 de diciembre de 2022
2.955
20.856
\u2014
49
5.453
\u2014
(474)
(3)
4.816
(724)
(2.172)
30.756
Estado total de cambios en el patrimonio neto correspondiente al ejercicio anual finalizado el 31 de diciembre de 2021 de BBVA, S.A.
ESTADOS TOTALES DE CAMBIOS EN EL PATRIMONIO NETO (Millones de euros)
2021 \u207d\u00b9\u207e
Capital
Prima
de
emisi\u00f3n
Instrumentos
de patrimonio
emitidos
distintos del
capital
Otros
elementos
del
patrimonio
neto
Ganancias
acumuladas
Reservas de
revalorizaci\u00f3n
Otras
reservas
(-)
Acciones
propias
Resultado
del
ejercicio
(-)
Dividendos
a cuenta
Otro
resultado
global
acumulado
Total
Saldos a 1 de enero de 2021
3.267
23.992
\u2014
34
8.859
\u2014
31
(9)
(2.182)
\u2014
(1.124)
32.867
Resultado global total del ejercicio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
1.080
\u2014
(349)
731
Otras variaciones del patrimonio neto
\u2014
(393)
\u2014
15
(2.423)
\u2014
(1.058)
(565)
2.182
(533)
13
(2.763)
Emisi\u00f3n de acciones ordinarias
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Emisi\u00f3n de acciones preferentes
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Emisi\u00f3n de otros instrumentos de patrimonio
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Ejercicio o vencimiento de otros instrumentos de patrimonio
emitidos
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Conversi\u00f3n de deuda en patrimonio neto
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Reducci\u00f3n del capital
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Dividendos (o remuneraciones a los socios)
\u2014
(393)
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(533)
\u2014
(927)
Compra de acciones propias
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(925)
\u2014
\u2014
\u2014
(925)
Venta o cancelaci\u00f3n de acciones propias
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
(4)
360
\u2014
\u2014
\u2014
356
Reclasificaci\u00f3n de instrumentos financieros del patrimonio
neto al pasivo
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Reclasificaci\u00f3n de instrumentos financieros del pasivo al
patrimonio neto
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Transferencias entre componentes del patrimonio neto
\u2014
\u2014
\u2014
(2)
(2.064)
\u2014
(129)
\u2014
2.182
\u2014
13
\u2014
Aumento o (-) disminuci\u00f3n del patrimonio neto resultante de
combinaciones de negocios
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Pagos basados en acciones
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
\u2014
Otros aumentos o (-) disminuciones del patrimonio neto
\u2014
\u2014
\u2014
17
(359)
\u2014
(925)
\u2014
\u2014
\u2014
\u2014
(1.267)
Saldos a 31 de diciembre de 2021
3.267
23.599
\u2014
49
6.436
\u2014
(1.026)
(574)
1.080
(533)
(1.461)
30.836
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
ESTADOS DE FLUJOS DE EFECTIVO (Millones de euros)
2022
2021 \u207d\u00b9\u207e
A) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE EXPLOTACI\u00d3N (1 + 2 + 3 + 4 + 5)
23.057
(12.004)
1. Resultado del ejercicio
4.816
1.080
2. Ajustes para obtener los flujos de efectivo de las actividades de explotaci\u00f3n:
(629)
1.313
Amortizaci\u00f3n
638
639
Otros ajustes
(1.268)
674
3. Aumento/Disminuci\u00f3n neto de los activos de explotaci\u00f3n
696
(15.123)
Activos financieros mantenidos para negociar
13.999
(20.093)
Activos financieros no destinados a negociaci\u00f3n valorados obligatoriamente a valor razonable con cambios en
resultados
(109)
(26)
Activos financieros designados a valor razonable con cambios en resultados
\u2014
\u2014
Activos financieros a valor razonable con cambios en otro resultado global
3.351
9.323
Activos financieros a coste amortizado
(15.757)
(5.494)
Otros activos de explotaci\u00f3n
(788)
1.167
4. Aumento/Disminuci\u00f3n neto de los pasivos de explotaci\u00f3n
18.825
928
Pasivos financieros mantenidos para negociar
2.995
10.724
Pasivos financieros designados a valor razonable con cambios en resultados
(379)
(1.029)
Pasivos financieros a coste amortizado
15.480
(9.209)
Otros pasivos de explotaci\u00f3n
729
443
5. Cobros/Pagos por impuesto sobre beneficios
(651)
(202)
B) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE INVERSI\u00d3N (1 + 2)
(2.753)
10.049
1. Pagos
(3.937)
(502)
Activos tangibles
(60)
(56)
Activos intangibles
(360)
(319)
Inversiones en dependientes, negocios conjuntos y asociadas
(3.516)
(116)
Otras unidades de negocio
\u2014
\u2014
Activos no corrientes y pasivos que se han clasificado como mantenidos para la venta
\u2014
(12)
Otros pagos relacionados con actividades de inversi\u00f3n
\u2014
\u2014
2. Cobros
1.184
10.551
Activos tangibles
6
21
Activos intangibles
\u2014
\u2014
Inversiones en dependientes, negocios conjuntos y asociadas
852
77
Otras unidades de negocio
\u2014
\u2014
Activos no corrientes y pasivos que se han clasificado como mantenidos para la venta
326
10.453
Otros cobros relacionados con actividades de inversi\u00f3n
\u2014
\u2014
C) FLUJOS DE EFECTIVO DE LAS ACTIVIDADES DE FINANCIACI\u00d3N (1 + 2)
(5.921)
(3.028)
1. Pagos
(6.190)
(3.540)
Dividendos (o remuneraciones a los socios)
(2.190)
(927)
Pasivos subordinados
(881)
(1.684)
Amortizaci\u00f3n de instrumentos de patrimonio propio
(313)
\u2014
Adquisici\u00f3n de instrumentos de patrimonio propio
(2.567)
(929)
Otros pagos relacionados con actividades de financiaci\u00f3n
(240)
\u2014
2. Cobros
270
512
Pasivos subordinados
\u2014
\u2014
Emisi\u00f3n de instrumentos de patrimonio propio
\u2014
\u2014
Enajenaci\u00f3n de instrumentos de patrimonio propio
270
356
Otros cobros relacionados con actividades de financiaci\u00f3n
\u2014
156
D) EFECTO DE LAS VARIACIONES DE LOS TIPOS DE CAMBIO
(231)
(303)
E) AUMENTO (DISMINUCI\u00d3N) NETO DEL EFECTIVO Y EQUIVALENTES (A + B + C + D)
14.153
(5.286)
F) EFECTIVO Y EQUIVALENTES AL INICIO DEL EJERCICIO
38.821
44.107
G) EFECTIVO Y EQUIVALENTES AL FINAL DEL EJERCICIO (E + F)
52.973
38.821
COMPONENTES DEL EFECTIVO Y EQUIVALENTES AL FINAL DEL EJERCICIO (Millones de euros)
2022
2021 \u207d\u00b9\u207e
Efectivo
972
830
Saldos equivalentes al efectivo en bancos centrales
49.854
36.566
Otros activos financieros
2.147
1.424
Menos: descubiertos bancarios reintegrables a la vista
\u2014
\u2014
TOTAL EFECTIVO Y EQUIVALENTES AL FINAL DEL EJERCICIO
52.973
38.821
(1) Se presentan \u00fanica y exclusivamente a efectos comparativos.
Este Anexo forma parte integrante de la Nota 2.1 de las Cuentas Anuales consolidadas correspondientes al ejercicio 2022.
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