Banco Bilbao Vizcaya Argentaria (BBVA) 20-F 28 Feb 20 2019 FY Annual report (foreign) Financial data

Document and Entity Information

Document and Entity Information	12 Months Ended
	Dec. 31, 2019shares
Document and Entity Information
Entity Registrant Name	BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Entity Central Index Key	0000842180
Document Type	20-F
Document Period End Date	Dec. 31, 2019
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	FY
Entity Interactive Data Current	Yes
Entity a Voluntary Filer	No
Entity Current Reporting Status	Yes
Entity Filer Category	Large Accelerated Filer
Entity Shell Company	false
Entity Emerging Growth Company	false
Entity Common Stock	6,667,886,580
Entity a Well known Seasoned Issuer	Yes
Document Annual Report	true
Document Transition report	false
Document Shell Company	false

Financial Statements - Balance

Financial Statements - Balance sheets - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Assets
BBVA Cash Balance Available To The Date		€ 44,303,000,000	€ 58,196,000,000	€ 42,680,000,000
Total financial assets held for trading		102,688,000,000	90,117,000,000	64,695,000,000
Derivative financial assets held for trading		33,185,000,000	30,536,000,000	35,265,000,000
Equity Instruments Held For Trading		8,892,000,000	5,254,000,000	6,801,000,000
Debt Instruments Held For Trading		26,309,000,000	25,577,000,000	22,573,000,000
Loans and Advances to Central Banks Held for Trading		535,000,000	2,163,000,000	0
Loans And Advances To Banks Held For Trading		21,286,000,000	14,566,000,000	0
Loans and receivables Held For Trading		12,482,000,000	12,021,000,000	56,000,000
Total Non Trading Financial Assets Mandatorily Measured At Fair Value Through Profit or Loss		5,557,000,000	5,135,000,000
Equity Instruments Mandatorily Measured At Fair Value		4,327,000,000	3,095,000,000
Debt Securities At Fair Vale Mandatorily Measured At Fair Value		110,000,000	237,000,000
Loans And Advances To Central Banks Mandatorily Measured At Fair Value		0	0
Loans And Advances To Banks Mandatorily Measured At Fair Value		0	0
Loans And Advances To Customers Mandatorily Measured At Fair Value		1,120,000,000	1,803,000,000
FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS		1,214,000,000	1,313,000,000	2,709,000,000
Equity instruments at fair value				1,888,000,000
Debt Securities, at fair value		1,214,000,000	1,313,000,000	174,000,000
Loans And Advances To Customers At Fair Value		0	0	648,000,000
Financial Assets At Fair Value Through Other Comprehensive Income		61,183,000,000	56,337,000,000	69,476,000,000
Subtotal Equity instruments At Fair Value Through Other Comprehensive Income		2,420,000,000	2,595,000,000	3,224,000,000
Subtotal Debt Instruments At Fair Value Through Other Comprehensive Income		58,731,000,000	53,709,000,000	66,251,000,000
Loans and advances Financial Assets At Fair Value Through Other Comprehensive Income		33,000,000	33,000,000	0
FINANCIAL ASSETS AT AMORTIZED COST		439,162,000,000	419,660,000,000	445,275,000,000
Debt Securities Financial Assets at Amortized Cost		38,877,000,000	32,530,000,000	24,093,000,000
Loans and advances to central banks		4,275,000,000	3,941,000,000	7,300,000,000
Loans and advances to banks		13,649,000,000	9,163,000,000	26,261,000,000
Loans and Advances to customers		382,360,000,000	374,027,000,000	387,621,000,000
HEDGING DERIVATIVES, ASSETS		1,729,000,000	2,892,000,000	2,485,000,000
FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK, ASSETS		28,000,000	(21,000,000)	(25,000,000)
INVESTMENTS IN SUBSIDIARIES JOINT VENTURES AND ASSOCIATES		1,488,000,000	1,578,000,000	1,588,000,000
Joint ventures		154,000,000	173,000,000	256,000,000
Associates		1,334,000,000	1,405,000,000	1,332,000,000
INSURANCE OR REINSURANCE ASSETS		341,000,000	366,000,000	421,000,000
TANGIBLE ASSETS		10,068,000,000	7,229,000,000	7,191,000,000
Total Property, plant and equipment		9,816,000,000	7,066,000,000	6,996,000,000
For own use (PPE)		9,554,000,000	6,756,000,000	6,581,000,000
Assets leased out under an operating lease		263,000,000	310,000,000	415,000,000
Investment Property		252,000,000	163,000,000	195,000,000
INTANGIBLE ASSETS		6,966,000,000	8,314,000,000	8,464,000,000
Goodwill		4,955,000,000	6,180,000,000	6,062,000,000
Other intangible assets		2,010,000,000	2,134,000,000	2,402,000,000
TAX ASSETS		17,083,000,000	18,100,000,000	16,888,000,000
Current tax assets		1,765,000,000	2,784,000,000	2,163,000,000
Deferred tax assets		15,318,000,000	15,316,000,000	14,725,000,000
OTHER ASSETS		3,800,000,000	5,472,000,000	4,359,000,000
Insurance contracts linked to pensions		0	0	0
Inventories		581,000,000	635,000,000	229,000,000
Rest other assets		3,220,000,000	4,837,000,000	4,130,000,000
Non Current Assets Or Disposal Groups Clasified As Held For Sale		3,079,000,000	2,001,000,000	23,853,000,000
TOTAL ASSETS		698,690,000,000	676,689,000,000	690,059,000,000
LIABILITIES AND EQUITY
FINANCIAL LIABILITIES HELD FOR TRADING		89,633,000,000	80,774,000,000	46,182,000,000
Derivative financial liabilities, held for trading		35,019,000,000	31,815,000,000	36,169,000,000
Short positions, held for trading		12,249,000,000	11,025,000,000	10,013,000,000
Deposits from central banks, held for trading		7,635,000,000	10,511,000,000	0
Deposits from credit institutions, held for trading		24,969,000,000	15,687,000,000	0
Customer deposits, held for trading		9,761,000,000	11,736,000,000	0
Debt certificates, held for trading		0	0	0
Other Financial liabilities held for trading		0	0	0
TOTAL Financial Liabilities At Fair Value Through Profit or Loss		10,010,000,000	6,993,000,000	2,222,000,000
Deposits from central banks, at fair value		0	0	0
Deposits from credit institutions, at fair value		0	0	0
Customer deposits, at fair value		944,000,000	976,000,000	0
Debt certificates, at fair value		4,656,000,000	2,858,000,000	0
Other financial liabilities, at fair value		4,410,000,000	3,159,000,000	2,222,000,000
FINANCIAL LIABILITIES AT AMORTIZED COST		516,641,000,000	509,185,000,000	543,713,000,000
Deposits from cental banks		25,950,000,000	27,281,000,000	37,054,000,000
Deposits from credit institutions		28,751,000,000	31,978,000,000	54,516,000,000
Customer deposits		384,219,000,000	375,970,000,000	376,379,000,000
Debt certificates, at amortized cost		63,963,000,000	61,112,000,000	63,915,000,000
Other financial liabilities, at amortized cost		13,758,000,000	12,844,000,000	11,850,000,000
HEDGING DERIVATIVES, LIABILITIES		2,233,000,000	2,680,000,000	2,880,000,000
FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK, LIABILITIES		0	0	(7,000,000)
LIABILITIES UNDER INSURANCE CONTRACTS		10,606,000,000	9,834,000,000	9,223,000,000
PROVISIONS		6,538,000,000	6,772,000,000	7,477,000,000
Pensions and other post employment defined Benefit Obligations	[1]	4,631,000,000	4,787,000,000	5,407,000,000
Other long term employee benefits		61,000,000	62,000,000	67,000,000
Provisions for taxes and other legal contingencies		677,000,000	686,000,000	756,000,000
Provisions for contingent risks and commitments		711,000,000	636,000,000	578,000,000
Other Provisions	[2]	457,000,000	601,000,000	669,000,000
TAX LIABILITIES		2,808,000,000	3,276,000,000	3,298,000,000
Current tax liabilities		880,000,000	1,230,000,000	1,114,000,000
Deferred tax liabilities		1,928,000,000	2,046,000,000	2,184,000,000
OTHER LIABILITIES		3,742,000,000	4,301,000,000	4,550,000,000
LIABILITIES INCLUDED IN DISPOSAL GROUPS CLASSIFIED AS HELD FOR SALE		1,554,000,000	0	17,197,000,000
TOTAL LIABILITIES		643,765,000,000	623,814,000,000	636,736,000,000
Total shareholders' funds		55,958,000,000	54,326,000,000	53,283,000,000
Capital		3,267,000,000	3,267,000,000	3,267,000,000
Paid up capital		3,267,000,000	3,267,000,000	3,267,000,000
Unpaid capital which has been called up		0	0	0
Share Premium		23,992,000,000	23,992,000,000	23,992,000,000
Equity Instruments issued other than capital		0	0	0
Other Equity ( Capital base and management)		56,000,000	50,000,000	54,000,000
Retained Earnings		26,402,000,000	23,076,000,000	23,746,000,000
Revaluation reverse		0	3,000,000	12,000,000
Total Other Reserves		(125,000,000)	(58,000,000)	(35,000,000)
Reserves or accumulated losses of investments in subsidaries, joint ventures and associates		(125,000,000)	(58,000,000)	(35,000,000)
Other Reserves, other		0	0	0
Less Treasury shares		(62,000,000)	(296,000,000)	(96,000,000)
Profits or losses attributables to owners of the parent		3,512,000,000	5,400,000,000	3,514,000,000
Less Interim dividends		(1,084,000,000)	(1,109,000,000)	(1,172,000,000)
Total accumulated other comprehensive income		(7,235,000,000)	(7,215,000,000)	(6,939,000,000)
Total Items that will not be reclassified to profit or loss balance		(1,875,000,000)	(1,284,000,000)	(1,183,000,000)	[3]
Actuarial gains or (-) losses on defined benefit pension plans		(1,498,000,000)	(1,245,000,000)	(1,183,000,000)	[3]
Non-current assets and disposal groups classified as held for sale (not reclassified)		2,000,000	0	0	[3]
Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates		0	0	0	[3]
Other Comprehensive Income Net Of Tax Change At fair Value Of Equity Instruments Measured At Fair Value		(403,000,000)	(155,000,000)
Total Hedge ineffectiveness of fair value hedge for equity instruments measured at fair value through other comprehensive income		0	0
Fair value changes of equity instruments measured at fair value through other comprehensive income [hedged item]		0	0
Fair value changes of equity instruments measured at fair value through other comprehensive income hedging instrument		0	0
Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk		24,000,000	116,000,000
Total Items that may be reclassified to profit or loss		(5,359,000,000)	(5,932,000,000)	(5,755,000,000)	[4]
Hedge of net investments in foreign operations(effective portion)		(896,000,000)	(218,000,000)	1,000,000	[4]
Foreign currency translation balance		(6,161,000,000)	(6,643,000,000)	(7,297,000,000)	[4]
Hedging derivatives.Cash flow hedges(efffective portion)		(44,000,000)	(6,000,000)	(34,000,000)	[4]
Financial Assets Available for sale	[4]			1,641,000,000
Changes In The Fair Value Of Debt Instruments Measured At Fair Value With Changes In Other Comprehensive Income		1,760,000,000	943,000,000
Other Comprehensive Income Net Of Tax Of Hedging Instruments		0	0
Non-current assets and disposal groups classified as held for sale		(18,000,000)	1,000,000	(26,000,000)
Share of other recognized income and expense of investments in subsidiaries joint ventures and associates		1,000,000	(9,000,000)	(40,000,000)
MINORITY INTERESTS (NON-CONTROLLING INTEREST)		6,201,000,000	5,764,000,000	6,979,000,000
Valuation adjustments		(3,526,000,000)	(3,236,000,000)	(2,550,000,000)
Rest non-controlling interest		9,727,000,000	9,000,000,000	9,530,000,000
TOTAL EQUITY		54,925,000,000	52,874,000,000	53,323,000,000
Equity and liabilities		€ 698,690,000,000	€ 676,689,000,000	€ 690,059,000,000
[1]	(3) Recorded under the heading “Provisions - Provisions for pensions and simil ar obligations” of the consolidated balance sheet (see Note 24).
[2]	(*) Individually insignificant provisions or contingencies, for various concepts in different geographies.
[3]	(*) See Note 1.3
[4]	(*) See Note 1.3

Financial Statements - Balanc_2

Financial Statements - Balance sheets (Parenthetical) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
MEMORANDUM ITEM (OFF-BALANCE SHEET EXPOSURES)
Loan commitments given		€ 130,923,000,000	€ 118,959,000,000	€ 94,268,000,000
Financial guarantees given	[1]	10,984,000,000	16,454,000,000	16,545,000,000
Contingent Commitments		€ 39,209,000,000	€ 35,098,000,000	€ 45,738,000,000
[1]	(*) Non-performing financial guarantees given amounted to €730, €740 and €739 million, respectively, as of December 31, 2019, 2018 and 2017.

Financial Statements - Consolid

Financial Statements - Consolidated Income Statements - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
Income Statement Abstract
Interest Income (Income Statement)		€ 31,061,000,000	€ 29,831,000,000		€ 29,296,000,000
Interest Expenses		(12,859,000,000)	(12,239,000,000)		(11,537,000,000)
NET INTEREST INCOME		18,202,000,000	17,591,000,000		17,758,000,000
Dividend income		162,000,000	157,000,000		334,000,000
investments in entities accounted for using the equity method		(42,000,000)	(7,000,000)		4,000,000
Fee And commission income (Income Statement)		7,522,000,000	7,132,000,000		7,150,000,000
Fee and commission expense (Income Statement)		2,489,000,000	2,253,000,000		2,229,000,000
Gains or losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss net ( Income Statement)		239,000,000	216,000,000		985,000,000
Gains or losses on financial assets and liabilities held for trading, net (Income Statement)		451,000,000	707,000,000		218,000,000
Gains Losses On Financial Assets Not Designated As Held For Sale Through Profit Or Loss Mandatorily Measured At Fair Value		143,000,000	96,000,000
Gains or losses on financial assets and liabilities designated at fair value through profit or loss net (Income Statement)		(94,000,000)	143,000,000		(56,000,000)
Gains or losses from hedge accounting net (Income Statement)		59,000,000	72,000,000		(209,000,000)
Exchange differences (Income Statement)		586,000,000	(9,000,000)		1,030,000,000
Other operating income (Income Statement)		671,000,000	949,000,000		1,439,000,000
Other operating expenses (Income Statement)		2,006,000,000	2,101,000,000		2,223,000,000
Income on insurance and reinsurance contracts (Income Statement)		2,890,000,000	2,949,000,000		3,342,000,000
Expenses on insurance and reinsurance contracts (Income Statement)		(1,751,000,000)	(1,894,000,000)		(2,272,000,000)
GROSS INCOME		24,542,000,000	23,747,000,000		25,270,000,000
Administration Cost		(10,303,000,000)	(10,494,000,000)		(11,112,000,000)
Employee Benefits Expense		6,340,000,000	6,120,000,000		6,571,000,000
Administrative Expense		3,963,000,000	4,374,000,000		4,541,000,000
Total depreciation expense		(1,599,000,000)	(1,208,000,000)		(1,387,000,000)
Provisions or reversal of provisions		617,000,000	373,000,000		745,000,000
Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss (Income Statement)		4,151,000,000	3,981,000,000		4,803,000,000
Financial assets measured at amortized cost, impairment or reversal of impairment		(4,069,000,000)	(3,980,000,000)		(3,676,000,000)
Financial Assets Fair Value Through Other Comprehensive Income		(82,000,000)	(1,000,000)		(1,127,000,000)
NET OPERATING INCOME		7,872,000,000	7,691,000,000		7,222,000,000
Impairment Or Reversal Of Impairment Investments In Subsidiaries Joint Ventures And Associates		(46,000,000)	0		0
Impairment Or Reversal Of Impairment On Non Financial Assets		(1,447,000,000)	(138,000,000)		(364,000,000)
Tangible assets, impairment or reversal of impairment		94,000,000	5,000,000		42,000,000
Intangible assets, impairment or reversal of impairment	[1]	1,330,000,000	83,000,000		16,000,000
Other non-financial assets, impairment or reversal of impairment		23,000,000	51,000,000		306,000,000
Disposal of tangible assets and other, gains		(3,000,000)	78,000,000		47,000,000
Negative GoodWill Recognised On Profit And Loss		0	0		0
Profit or loss from non current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Income Statement)		21,000,000	815,000,000		26,000,000
Operating Profit Before Tax		6,398,000,000	8,446,000,000		6,931,000,000
Tax expense or income related to profit or loss from continuing operation (Income Statement)		(2,053,000,000)	(2,219,000,000)		(2,174,000,000)
PROFIT FROM CONTINUING OPERATIONS		4,345,000,000	6,227,000,000		4,757,000,000
Profit from discontinued operations net (Income Statement)		0	0	[2]	0	[2]
Profit		4,345,000,000	6,227,000,000		4,757,000,000
Attributable to owners of the parent		833,000,000	827,000,000		1,243,000,000
Profit Loss Attributable To Non controlling Interests		€ 3,512,000,000	€ 5,400,000,000		€ 3,514,000,000
Basic Earnings Loss Per Share	[3]	€ 0.47	€ 0.75	[4]	€ 0.46	[4]
Basic Earnings Loss Per Share From Continuing Operations		0.47	0.75	[4]	0.46	[4]
Diluted Earnings Loss Per Share From Continuing Operations		0.47	0.75	[4]	0.46	[4]
Basic Earnings Loss Per Share From Discontinued Operations		0	0	[4]	0	[4]
Diluted Earnings Loss Per Share From Discontinued Operations		€ 0	€ 0	[4]	€ 0	[4]
[1]	(*) The balance of 2019 mainly corresponds to the impairment of the CGU in The United States (see Note 18).
[2]	(4) The figures corresponding to 2018 and 2017 have been restated (see Note 1.3)
[3]	(*) In 2019 the weighted average number of shares outstandi ng was 6,668 million (6,668 million and 6,642 million in 2018 and 2017, respectively) and the adjustment of additional Tier 1 securities amounted to €419 million (€447 and €430 million in 2018 and 2017, respectively).
[4]	(4) The figures corresponding to 2018 and 2017 have been restated (see Note 1.3)

Financial Statements - Statemen

Financial Statements - Statements of recognized income and expenses - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Consolidated statements of recognized income and expenses
Profit	€ 4,345,000,000	€ 6,227,000,000	€ 4,757,000,000
OTHER RECOGNIZED INCOME (EXPENSES)	(310,000,000)	(2,523,000,000)	(4,439,000,000)
Items that will not be reclassified to profit or loss	(584,000,000)	(141,000,000)	(91,000,000)
Actuarial gains and losses from defined benefit pension plans	(364,000,000)	(79,000,000)	(96,000,000)
Non-current assests available for sale	2,000,000	0	0
Share of other comprehensive income of associates and joint ventures accounted for using equity method that will not be reclassifies to profit or loss before tax	0	0	0
Fair Value Of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income	(229,000,000)	(172,000,000)
Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in credit risk	0	0
Income tax related to items not subject to reclassification to income statement	(133,000,000)	166,000,000
Fair value of investments in equity instruments designated at fair value through other comprehensive income	140,000,000	(56,000,000)	5,000,000
Items that may be reclassified to profit or loss	274,000,000	(2,382,000,000)	(4,348,000,000)
Hedge of net investments in foreign operations [effective portion]	(687,000,000)	(244,000,000)	80,000,000
Hedge of net investments in foreign operations [effective portion] - Valuation gains or losses taken to equity	(687,000,000)	(244,000,000)	112,000,000
Hedge of net investments in foreign operations [effective portion] - Transferred to profit or loss	0	0	0
Hedge of net investments in foreign operations [effective portion] - Other reclassifications	0	0	(32,000,000)
Foreign currency translation	132,000,000	(1,537,000,000)	(5,080,000,000)
Foreign currency translation - Valuation gains or losses taken to equity	113,000,000	(1,542,000,000)	(5,089,000,000)
Foreign currency translation - Transferred to profit or loss	1,000,000	5,000,000	(22,000,000)
Foreign currency translation - Other reclassifications	18,000,000	0	31,000,000
Cash Flow Hedges [effective portion]	(109,000,000)	27,000,000	(67,000,000)
Cash Flow Hedges [effective portion] - Valuation gains or losses taken to equity	(99,000,000)	(32,000,000)	(122,000,000)
Cash Flow Hedges [effective portion] - Transferred to profit or loss	(10,000,000)	58,000,000	55,000,000
Cash Flow Hedges [effective portion] - Transferred to initial carrying amout of hedged items	0	0	0
Cash Flow Hedges [effective portion] - Other reclassifications	0	0	0
Other Comprehensive Income Before Tax Available for sale Financial Assets			719,000,000
Valuation gains or losses taken to equity			384,000,000
Transferred to profit or loss			347,000,000
Other reclassifications - debt securities at fair value			(12,000,000)
Total Debt Securities At Fair Value Throught Other Comprehensive Income	1,278,000,000	(901,000,000)
Valuation gains or losses taken to equity - Debt Securities At Fair Value Throught Other Comprehensive Income	1,401,000,000	(766,000,000)
Transferred to profit or loss - Debt Securities At Fair Value Throught Other Comprehensive Income	(122,000,000)	(135,000,000)
Other reclassifications - Debt Securities At Fair Value Throught Other Comprehensive Income	0	0
Non-current assets held for sale	(19,000,000)	20,000,000	(20,000,000)
Non-current assets held for sale - Valuation gains or losses taken to equity	(8,000,000)	0	0
Non-current assets held for sale - Transferred to profit or loss	0	20,000,000	0
Non-current assets held for sale - Other reclassifications	(11,000,000)	0	(20,000,000)
Share of other recognised income and expense of investments in subsidaries, joint ventures and associates	10,000,000	9,000,000	(14,000,000)
Income Tax	(332,000,000)	244,000,000	35,000,000
TOTAL RECOGNIZED INCOME/EXPENSES	4,036,000,000	3,704,000,000	318,000,000
Attributable to minority interest [non-controlling interests]	543,000,000	(420,000,000)	127,000,000
Attributable to the parent company	€ 3,493,000,000	€ 4,124,000,000	€ 191,000,000

Financial Statements - Statem_2

Financial Statements - Statements of changes in equity - EUR (€)		Total	Capital		Share premium (*)		Equity instruments issued other than capital		Other Equity		Retained earnings		Revaluation reserves		Other reserves		Treasury shares [Member]		Profit or loss attributable to owners of the parent Member		Interim dividends Member		Accumulated other Comprehensive Income [Member]		Non-Controlling interests- Valuation Adjustments		Non-Controlling interests- Rest		Total Member
Balance at beginning at Dec. 31, 2016			€ 3,218,000,000		€ 23,992,000,000		€ 0		€ 54,000,000		€ 23,688,000,000		€ 20,000,000		€ (67,000,000)		€ (48,000,000)		€ 3,475,000,000		€ (1,510,000,000)		€ (5,458,000,000)		€ (2,246,000,000)		€ 10,310,000,000		€ 55,428,000,000
Changes in Equity Abstract
Adjustments Of Accounting Policies Applications			0		0		0		0		(1,813,000,000)		0		7,000,000		0		82,000,000		(111,000,000)		1,836,000,000		817,000,000		(817,000,000)		0
TOTAL RECOGNIZED INCOME/EXPENSES		€ 318,000,000	0		0		0		0		0		0		0		0		3,514,000,000		0		(3,317,000,000)		(1,122,000,000)		1,243,000,000		318,000,000
Changes in equity
Total Changes in Equity			50,000,000		0		0		0		1,872,000,000		(8,000,000)		25,000,000		(48,000,000)		(3,557,000,000)		449,000,000		0		0		(1,207,000,000)		(2,423,000,000)
Issue Of Equity			50,000,000		0		0		0		(50,000,000)		0		0		0		0		0		0		0		0		0
Issuances of preferred shares			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Issuance of other equity instruments			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Period or maturity of other issued equity instruments			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Conversion of debt on equity			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Common Stock reduction			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Dividend distribution			0		0		0		0		9,000,000		0		(9,000,000)		0		0		(1,029,000,000)		0		0		(290,000,000)		(1,318,000,000)
Purchase of treasury shares			0		0		0		0		0		0		0		(1,674,000,000)		0		0		0		0		0		(1,674,000,000)
Sale or cancellation of treasury shares			0		0		0		0		1,000,000		0		0		1,626,000,000		0		0		0		0		0		1,627,000,000
Reclassification of financial liabilities to other equity instruments			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Reclassification of other equity instruments to financial liabilities			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Transfers between total equity entries			0		0		0		0		1,902,000,000		(8,000,000)		41,000,000		0		(3,557,000,000)		1,621,000,000		0		0		0		0
Increase/Reduction of equity due to business combinations			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Share based payments			0		0		0		(22,000,000)		0		0		0		0		0		0		0		0		0		(22,000,000)
Other increases or (-) decreases in equity			0		0		0		22,000,000		9,000,000		0		(6,000,000)		0		0		(144,000,000)		0		0		(917,000,000)		(1,035,000,000)
Balance at the end at Dec. 31, 2017		53,323,000,000	3,267,000,000	[1]	23,992,000,000	[1]	0	[1]	54,000,000	[1]	23,746,000,000	[1]	12,000,000	[1]	(34,000,000)	[1]	(96,000,000)	[1]	3,514,000,000	[1]	(1,172,000,000)	[1]	(6,939,000,000)	[1]	(2,551,000,000)	[1]	9,529,000,000	[1]	53,323,000,000	[1]
Changes in Equity Abstract
Adjustments Of Accounting Policies Applications			0		0		0		0		(2,579,000,000)		0		9,000,000		0		(5,000,000)		(129,000,000)		1,756,000,000		850,000,000		(822,000,000)		(919,000,000)
Of Which Prospective Changes In Accounting Policies	[2]										(851,000,000)		0		0		0		0		0		(97,000,000)		23,000,000		7,000,000		(919,000,000)
Of which retrospective changes in accounting policies											(1,728,000,000)		0		9,000,000		0		(5,000,000)		(129,000,000)		1,853,000,000		828,000,000		(828,000,000)		0
TOTAL RECOGNIZED INCOME/EXPENSES		3,704,000,000	0		0		0		0		0		0		0		0		5,400,000,000		0		(1,276,000,000)		(1,247,000,000)		827,000,000		3,704,000,000
Changes in equity
Total Changes in Equity			0		0		0		(4,000,000)		180,000,000		(10,000,000)		(23,000,000)		(199,000,000)		(3,514,000,000)		63,000,000		1,096,000,000		540,000,000		(1,364,000,000)		(3,234,000,000)
Issue Of Equity			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Issuances of preferred shares			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Issuance of other equity instruments			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Period or maturity of other issued equity instruments			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Conversion of debt on equity			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Common Stock reduction			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Dividend distribution			0		0		0		0		(992,000,000)		0		(4,000,000)		0		0		(1,109,000,000)		0		0		(378,000,000)		(2,483,000,000)
Purchase of treasury shares			0		0		0		0		0		0		0		(1,684,000,000)		0		0		0		0		0		(1,684,000,000)
Sale or cancellation of treasury shares			0		0		0		0		(24,000,000)		0		0		1,484,000,000		0		0		0		0		0		1,460,000,000
Reclassification of financial liabilities to other equity instruments			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Reclassification of other equity instruments to financial liabilities			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Transfers between total equity entries			0		0		0		0		1,274,000,000		(10,000,000)		(19,000,000)		0		(3,514,000,000)		1,172,000,000		1,096,000,000		540,000,000		(540,000,000)		0
Increase/Reduction of equity due to business combinations			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Share based payments			0		0		0		(19,000,000)		0		0		0		0		0		0		0		0		0		(19,000,000)
Other increases or (-) decreases in equity			0		0		0		15,000,000		(77,000,000)		0		0		0		0		0		0		0		(446,000,000)		(508,000,000)
Balance at the end at Dec. 31, 2018		52,874,000,000	3,267,000,000	[3]	23,992,000,000	[3]	0	[3]	50,000,000	[3]	23,076,000,000	[3]	3,000,000	[3]	(58,000,000)	[3]	(296,000,000)	[3]	5,400,000,000	[3]	(1,109,000,000)	[3]	(7,215,000,000)	[3]	(3,236,000,000)	[3]	9,000,000,000	[3]	52,874,000,000	[3]
Changes in Equity Abstract
Adjustments Of Accounting Policies Applications			0		0		0		0		58,000,000		0		0		0		76,000,000		(134,000,000)		0		0		0		0
TOTAL RECOGNIZED INCOME/EXPENSES		4,036,000,000	0		0		0		0		0		0		0		0		3,512,000,000		0		(19,000,000)		(291,000,000)		833,000,000		4,036,000,000
Changes in equity
Total Changes in Equity			0		0		0		6,000,000		3,327,000,000		(3,000,000)		(68,000,000)		234,000,000		(5,400,000,000)		25,000,000		0		0		(106,000,000)		(1,985,000,000)
Issue Of Equity			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Issuances of preferred shares			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Issuance of other equity instruments			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Period or maturity of other issued equity instruments			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Conversion of debt on equity			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Common Stock reduction			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Dividend distribution			0		0		0		0		(1,059,000,000)		0		(4,000,000)		0		0		(1,084,000,000)		0		0		(142,000,000)		(2,289,000,000)
Purchase of treasury shares			0		0		0		0		0		0		0		(1,088,000,000)		0		0		0		0		0		(1,088,000,000)
Sale or cancellation of treasury shares			0		0		0		0		13,000,000		0		0		1,322,000,000		0		0		0		0		0		1,335,000,000
Reclassification of financial liabilities to other equity instruments			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Reclassification of other equity instruments to financial liabilities			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Transfers between total equity entries			0		0		0		0		4,360,000,000		(3,000,000)		(66,000,000)		0		(5,400,000,000)		1,109,000,000		0		0		0		0
Increase/Reduction of equity due to business combinations			0		0		0		0		0		0		0		0		0		0		0		0		0		0
Share based payments			0		0		0		(4,000,000)		0		0		0		0		0		0		0		0		0		(4,000,000)
Other increases or (-) decreases in equity			0		0		0		11,000,000		14,000,000		0		1,000,000		0		0		0		0		0		36,000,000		62,000,000
Balance at the end at Dec. 31, 2019		€ 54,925,000,000	€ 3,267,000,000	[4]	€ 23,992,000,000	[4]	€ 0	[4]	€ 56,000,000	[4]	€ 26,402,000,000	[4]	€ 0	[4]	€ (125,000,000)	[4]	€ (62,000,000)	[4]	€ 3,512,000,000	[4]	€ (1,084,000,000)	[4]	€ (7,235,000,000)	[4]	€ (3,526,000,000)	[4]	€ 9,727,000,000	[4]	€ 54,925,000,000	[4]
[1]	(*) Balances as of December 31, 2016 as originally reported in the consolidated Financial Statements for the year 2016.
[2]	(**) The balance as of January 1 , 2018, is the adjusted initial balance less the prospective changes in accounting
[3]	(*) Balances as of December 31, 2017 as originally reported in the consolidated Financial Statements for the year 2017.
[4]	(*) Balances as of December 31, 2018 as originally reported in the consolidated Financial Statements for the year 2018.

Financial Statements - Statem_3

Financial Statements - Statements of cash flows - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Consolidated statements of cash flows
Cash And Cash Equivalents Statements Of Cash Flows at the beginning	€ 54,167,000,000	€ 45,239,000,000	€ 44,978,000,000
Cash on hand at the beginning	6,346,000,000	6,220,000,000
Cash balances at central banks at the beginning	47,821,000,000	39,018,000,000
Other financial assets at the beginning	0	0
Bank Overdrafts Classified As Cash Equivalents at the beginning	0	0
Cash And Cash Equivalents Statements Of Cash Flows	54,167,000,000	45,239,000,000	44,978,000,000
Statement Of Cash Flows Changes Abstract
CASH FLOW FROM OPERATING ACTIVITIES	(8,214,000,000)	9,249,000,000	1,722,000,000
Profit	4,345,000,000	6,227,000,000	4,757,000,000
Adjustments to obtain the cash flow from operating activities	9,582,000,000	7,619,000,000	8,531,000,000
Depreciation and amortization	1,599,000,000	1,208,000,000	1,387,000,000
Other adjustments - Cash Flows	7,983,000,000	6,411,000,000	7,144,000,000
Net increase/decrease in operating assets	(36,747,000,000)	(12,094,000,000)	(5,227,000,000)
Financial assests held for trading	(11,664,000,000)	1,379,000,000	5,662,000,000
Other financial assets designated at fair value through profit or loss	(318,000,000)	(643,000,000)
Non trading financial assets mandatorily at fair value through profit or loss	99,000,000	349,000,000	(783,000,000)
Adjustments For Decrease Increase In Financial Assets At Fair Value Through Other Comprehensive Income	(3,755,000,000)	(206,000,000)	5,032,000,000
Adjustments For Decrease Increase In Financial Assets At Amortised Cost	(24,119,000,000)	(12,067,000,000)	(14,836,000,000)
Other operating assets	3,010,000,000	(906,000,000)	(302,000,000)
Net increase/Decrease in operating liabilities	16,208,000,000	10,286,000,000	(3,916,000,000)
Financial liabilities held for trading	8,061,000,000	(466,000,000)	(6,057,000,000)
Other financial liabilities designated at fair value through profit or loss	2,680,000,000	1,338,000,000	19,000,000
Financial liabilities at amortized cost	8,016,000,000	10,481,000,000	2,111,000,000
Other operating liabilities	(2,549,000,000)	(1,067,000,000)	11,000,000
Collection/Payments for income Tax	(1,602,000,000)	(2,789,000,000)	(2,423,000,000)
CASH FLOWS FROM INVESTING ACTIVITIES	98,000,000	7,516,000,000	2,902,000,000
Investments - INVESTING ACTIVITIES	(1,494,000,000)	(2,154,000,000)	(2,339,000,000)
Investments - Tangible assets	(852,000,000)	(943,000,000)	(777,000,000)
Investments - Intangible assets	(528,000,000)	(552,000,000)	(564,000,000)
Investments - Investments in joint ventures and associatess, subsidiaries and other Business units	(114,000,000)	(150,000,000)	(101,000,000)
Investments - Non current assets held for sale and associated liabilities	0	(20,000,000)	(897,000,000)
Investments - Held-to-maturity investments	0	(489,000,000)	0
Investments - Other settlements related to investing activities			0
OtherBusinessUnits	0	0	0
Disinvestments - INVESTING ACTIVITIES	1,592,000,000	9,670,000,000	5,241,000,000
Disinvestments - Tangible assets	128,000,000	731,000,000	518,000,000
Disinvestments - Intangible assets	0	0	47,000,000
Disinvestments - Investments in joint ventures and associatess, subsidiaries and other Business units	98,000,000	558,000,000	18,000,000
Disinvestments - Subsidiaries and other business units	5,000,000	4,268,000,000	936,000,000
Disinvestments - Non current assets held for sale and associated liabilities	1,198,000,000	3,917,000,000	1,002,000,000
Disinvestments - Held-to-maturity investments			2,711,000,000
Disinvestments - Other collections related to investing activities	162,000,000	196,000,000	9,000,000
CASH FLOWS FROM FINANCING ACTIVITIES	(2,702,000,000)	(5,092,000,000)	(98,000,000)
Investments - FINANCING ACTIVITIES	(7,418,000,000)	(8,995,000,000)	(5,763,000,000)
Dividends	(2,147,000,000)	(2,107,000,000)	(1,698,000,000)
Subordinated liabilities (Investments)	(3,571,000,000)	(4,825,000,000)	(2,098,000,000)
Treasury stock amortization	0	0	0
Treasury stock aquisition	(1,088,000,000)	(1,686,000,000)	(1,674,000,000)
Other items relating to financing activities (Investments)	(612,000,000)	(377,000,000)	(293,000,000)
Disinvestments - FINANCING ACTIVITIES	4,716,000,000	3,903,000,000	5,665,000,000
Subordinated liabilities (Disinvestments)	3,381,000,000	2,451,000,000	4,038,000,000
Treasury stock increase	0	0	0
Treasury stock disposal	1,335,000,000	1,452,000,000	1,627,000,000
Other items relating to financing activities (Disinvestments)	0	0	0
EFFECT OF EXCHANGE RATE CHANGES	(258,000,000)	(2,498,000,000)	(4,266,000,000)
NET INCREASE/DECEASE IN CASH OR CASH EQUIVALENTS	(11,077,000,000)	9,175,000,000	261,000,000
Cash on hand at the end	7,060,000,000	6,346,000,000	6,220,000,000
Cash balances at central banks at the end	36,031,000,000	47,821,000,000	39,018,000,000
Other financial assets at the end	0	0	0
Bank Overdrafts Classified As Cash Equivalents at the end	0	0	0
Cash And Cash Equivalents Statements Of Cash Flows at the end	€ 43,090,000,000	€ 54,167,000,000	€ 45,239,000,000

Note 1 - Introduction, Basis Fo

Note 1 - Introduction, Basis For The Presentation Of The Consolidated Financial Statements, Internal Control Of Financial Information And Other Information	12 Months Ended
	Dec. 31, 2019
Introduction, Basis For The Presentation Of The Consolidated Financial Statements, Internal Control Of Financial Information And Other Information
Basis For The Presentation Of The Consolidated Financial Statements, Internal Control Of Financial Information And Other Information	Notes to the accompanying Consolidated Financial Statements 1. Introduction, basis for the presentation of the Consolidated Financial Statements, Internal Control over Financial Reporting and other information 1.1 Introduction Banco Bilbao Vizcaya Argentaria, S.A. (hereinafter “the Bank” or “BBVA") is a private-law entity subject to the laws and regulations governing banking entities operating in Spain. It carries out its activity through branches and agencies across the country and abroad. The Bylaws and other public information are available for inspection at the Bank’s registered address (Plaza San Nicolás, 4 Bilbao) as noted on its web site (www.bbva.com). In addition to the activities it carries out direct ly, the Bank heads a group of subsidiaries, joint ventures and associates which perform a wide range of activities and which together with the Bank constitute the Banco Bilbao Vizcaya Argentaria Group (hereinafter, the “Group” or the “BBVA Group”). In addi tion to its own separate financial statements, the Bank is required to prepare Consolidated Financial Statements comprising all consolidated subsidiaries of the Group. As of December 31, 2019, the BBVA Group had 288 consolidated entities and 54 entities ac counted for using the equity method (see Notes 3 and 16 and Appendix I to V). The Consolid ated Financial Statements of the BBVA Group for the year ended December 31, 2019 have been authorized for issue on February 28 , 2020. 1.2 Basis for the presentati on of the Consolidated Financial Statements The BBVA Group’s Consolidated Financial Statements are presented in compliance with IFRS-IASB (International Financial Reporting Standards as issued by the International Accounting Standards Board), as well as in accordance with the International Financial Reporting Standards endorsed by the European Union (hereinafter, “EU-IFRS”) applicable as of December 31, 2019, considering the Bank of Spain Circular 4/2017, and with any other legislation governing financial r eporting applicable to the Group in Spain (see Note 1.3). The BBVA Group’s accompanying Consolidated Financial Statements for the year ended December 31, 2019 were prepared by the Group’s Directors (through the Board of Directors meeting held on February 10, 2020) by applying the principles of consolidation, accounting policies and valuation criteria described in Note 2, so that they present fairly the Group’s total consolidated equity and financial position as of December 31, 2019, together with the conso lidated results of its transactions and cash flows generated during the year ended December 31, 2019. These Consolidated Financial Statements were prepared on the basis of the accounting records kept by the Bank and each of the other entities in the Group. Moreover, they include the adjustments and reclassifications required to harmonize the accounting policies and valuation criteria used by the Group (see Note 2.2). All effective accounting standards and valuation criteria with a significant effect in the Consolidated Financial Statements were applied in their preparation. The amounts reflected in the accompanying Consolidated Financial Statements are presented in millions of euros, unless it is more appropriate to use smaller units. Some items that appear without a balance in these Consolidated Financial Statements are due to how the units are expressed. Also, in presenting amounts in millions of euros, the accounting balances have been rounded up or down. It is therefore possible that the totals appearing in some tables are not the exact arithmetical sum of their component figures. The percentage changes in amounts have been calculated using figures expressed in thousands of euros. 1.3 Comparative information Leases As of January 1, 2019, IFRS 16 “Leases” replaced IAS 17 “Leases” and includes changes in the lessee accounting model (see Note 2.2.19). This amendment was applied using the modified retrospective method and the previous years have not been restated for comparison purposes as allowed by the stan dard (see Note 2.3). Income taxes As mentioned in Note 2.3 and derived from the Annual improvements cycle to IFRSs 2015-2017, the amendment to IAS 12 – “Income Taxes” requires that the tax impacts of the distribution of dividends should be recorded under "Tax expense or income related to profit or loss from continuing operations" in the consolidated income statement for the year. Previously they were recorded under total equity. In order for the information to be comparable, the information for the years 2018 and 2017 has been restated, recognizing a €76 million profit and a €5 million loss in the consolidated financial statements for such years, respectively, under “Retained earnings“ and “Less: Interim dividends”. This has meant an increase of 1.4% and a decrease of 0.1% in the “Profit or loss attributable to owners of the parent” for the years 2018 and 2017, respectively with respect to amounts previously presented in the consolidated Financial Statements for the year ended December 31, 2018 and 2017. Th is reclassification has had no impact on the consolidated total equity. Operating segments During 2019, there have been changes to the BBVA Group business segments in comparison to the segment structure in 2018 (See Note 6). The information related to business segments as of and for the years ended December 31, 2018 and 2017 has been restated in order to make them comparable, as required by IFRS 8 “Information by business segments”. Hyperinflationary economies In 2018, the information as of December 31, 2017 was restated for comparative purposes taking into account the change in accounting policies for hyperinflationary economies in accord ance with IAS 29 "Financial information in hyperinflationary economies" (see Note 2.2.20). Application of IFRS 9 As of January 1, 2018, IFRS 9 “Financial instruments” replaced IAS 39 “Financial Instruments: Recognition and Measurement” and included change s in the requirements for the classification and measurement of financial assets and financial liabilities, the impairment of financial assets and hedge accounting (see Note 2.2.1). As permitted by the standard, IFRS 9 was not applied retrospectively for p revious years. As a consequence of the application of IFRS 9, the comparative information for the financial year 2017 included in these Consolidated Financial Statements was subject to some non-significant modifications in order to improve the comparabilit y. 1.4 Seasonal nature of income and expense The nature of the most significant activities carried out by the BBVA Group’s entities is mainly related to typical activities carried out by financial institutions, and are not significantly affected by seaso nal factors within the same year. 1.5 Responsibility for the information and for the estimates made The information contained in the BBVA Group’s Consolidated Financial Statements is the responsibility of the Group’s Directors. Estimates were required to be made at times when preparing these Consolidated Financial Statements in order to calculate the recorded or disclosed amount of some assets, liabilities, income, expense and commitments. These estimates relate mainly to the following:  Loss allowances on certain financial assets (see Notes 7, 12, 13, 14 and 16).  The assumptions used to quantify certain provisions (see Note 24) and for the actuarial calculation of post-employment benefit liabilities and commitments (see Note 25).  The useful life and impair ment losses of tangible and intangible assets (see Notes 17, 18, 20 and 21).  The valuation of goodwill and price allocation of business combinations (see Note 18).  The fair value of certain unlisted financial assets and liabilities (see Notes 7, 8, 10, 11, 12 and 13).  The recoverability of deferred tax assets (see Note 19). Although these estimates were made on the basis of the best information available as of the end of the reporting period, future events may make it necessary to modify them (either up or down) over the coming years. This would be done prospectively in accordance with applicable standards, recognizing the effects of changes in the estimates in the corresponding consolidated income statement. During 2019 there were no significant changes to the assumptions and estimations performed as of December 31, 2018, except as indicated in these Consolidated Financial Statements. 1.6 BBVA Group’s Internal Control over Financial Reporting BBVA Group’s Consolidated Financial Statements are prepared under an Internal Control over Financial Reporting Model (hereinafter “ICFR"). It provides reasonable assurance with respect to the reliability and the integrity of the consolidated financial statements. It is also aimed to support that the trans actions are processed in accordance with the applicable laws and regulations. The ICFR is in accordance with the control framework established in 2013 by the “Committee of Sponsoring Organizations of the Treadway Commission” (hereinafter, "COSO"). The COSO 2013 framework sets five components that constitute the basis of the effectiveness and efficiency of the internal control systems:  The establishment of an appropriate control framework.  The assessment of the risks that could arise during the preparation o f the financial information.  The design of the necessary controls to mitigate the identified risks.  The establishment of an appropriate system of information to detect and report system weaknesses.  The monitoring activities over the controls to support the y perform correctly and are effective over time. The ICFR is a dynamic model that evolves continuously over time to reflect the reality of the BBVA Group’s businesses and processes, as well as the risks and controls designed to mitigate them. It is subject to a continuous evaluation by the internal control units located in the different entities of BBVA Group. These internal control units are integrated within the BBVA internal control model which is based in two pillars:  A control system organi zed into th ree lines of defense that has been updated and strengthened in 2019 :  The first line of defense (1LoD) is located within the business and support units, which are responsible for identifying risks associated with their processes , as well as for implementing and execut ing the necessary controls to mitigate them. In 2019, in order to reinforce the adequate risk management in each areas processes, the role of the Risk Control Assurer was created.  The second line of defense (2LoD) c omprises the specialized control units for each type of risk (Legal, IT, Third Party, Finance, Compliance or Processes among others). This second line define s the mitigation and control frameworks for their area s of responsibility across the entire organiz ation and performs challenge to the control model (supervises the implementation and design of the controls and assesses their effectiveness).  The third line of defense (3LoD) is the Internal Audit unit, which conducts an independent review of the model, verifying the compliance and effectiveness of the model.  A committee structure, called Corporate Assurance, which enables the escalation of possible weaknesses and internal control issues to the management at a Group level and also in each of the countries where the Group operates. The ICFR Model is subject to annual evaluations by the Group’s Internal Audit Unit. It is also supervised by the Audit Committee of the Bank’s Board of Directors. The BBVA Group is also required to comply with the Sarbanes-Oxley Act (hereafter “SOX”) for Consolidated Financial Statements as a listed company with the U .S. Securities and Exchange Commission (“SEC”). The main senior executives of the Group are involved in the design, compliance and implementation of the internal control model to make it effective and to support the quality and accuracy of the financial in formation.

Note 2 - Principles Of Consolid

Note 2 - Principles Of Consolidation, Accounting Policies And Measurement Bases Applies And Recent IFRS Pronouncements	12 Months Ended
	Dec. 31, 2019
Principles Of Consolidations Accounting Policies And Measurement Basis And Recent IFRS Pronouncements
Significant Account Policies	2. Principles of consolidation, accounting policies and measurement bases applied and recent IFRS pronouncements The Glossary includes the definition of some of the financial and economic terms used in Note 2 and subsequent Notes of the accompanying consolidated Financial Statements. 2.1 Principles of consolidation In terms of its consolidation, in accordance with the criteria established by IFRS, the BBVA Group is made up of four types of entities: subsidiaries, joint ventures, associates and structured entities, defined as follows:  Subsidiaries Subsidiaries are entities controlled by the Group (for definition of control, see Glossary). The financial statements of the subsidiaries are fully consolidated with thos e of the Bank. The share of non-controlling interests from subsidiaries in the Group’s consolidated total equity is presented under the heading “Minority interests (Non-controlling interests)” in the consolidated balance sheet. Their share in the profit or loss for the period or year is presented under the heading “Attributable to minority interest (non-controlling interests)” in the accompanying consolidated income statement (see Note 31). Note 3 includes information related to the main subsidiaries in the Group as of December 31, 2019. Appendix I includes other significant information on all entities.  Joint ventures Joint ventures are those entities for which there is a joint arrangement to joint control with third parties other than the Group (for definit ions of joint arrangement, joint control and joint venture, refer to Glossary). The investments in joint ventures are accounted for using the equity method (see Note 16). Appendix II shows the main figures for joint ventures accounted for using the equity method as of December 31, 2019.  Associates Associates are entities in which the Group is able to exercise significant influence (for definition of significant influence, see Glossary). Significant influence is deemed to exist when the Group owns 20% or m ore of the voting rights of an investee directly or indirectly, unless it can be clearly demonstrated that this is not the case. However, certain entities in which the Group owns 20% or more of the voting rights are not included as Group associates, since the Group does not have the ability to exercise significant influence over these entities. Investments in these entities, which do not represent material amounts for the Group, are classified as “ Financial assets at fair value through other comprehensive i ncome ” o r “ Non-trading financial assets mandatorily at fair value through profit or loss ” In contrast, some investments in entities in which the Group holds less than 20% of the voting rights are accounted for as Group associates, as the Group is conside red to have the ability to exercise significant influence over these entities. As of December 31, 2019 , 2018 and 2017 these entities are not significant to the Group. Appendix II shows the most significant information related to the associates (see Note 1 6), which are accounted for using the equity method.  Structured Entities A structured entity is an entity that has been designed so that voting or similar rights are not the dominant factor in deciding who controls the entity, such as when the voting right s relate to administrative matters only and the relevant activities are directed by means of contractual arrangements (see Glossary). In those cases where the Group sets up entities or has a holding in such entities, in order to allow its customers access to certain investments, to transfer risks or for other purposes, in accordance with internal criteria and procedures and with applicable regulations, the Group determines whether control over the entity in question actually exists and therefore whether it should be subject to consolidation. Such methods and procedures determine whether there is control by the Group, considering how the decisions are made about the relevant activities, assess ing whether the Group has control over the relevant elements, expos ure to variable returns from involvement with the investee and the ability to use control over the investee to affect the amount of the investor’s returns.  Structured entities subject to consolidation To determine if a structured entity is controlled by the Group, and therefore should be consolidated into the Group, the existing contractual rights (different from the voting rights) are analyzed. For this reason, an analysis of the structure and purpose of each investee is performed and, among others, the following factors will be considered:  Evidence of the current ability to manage the relevant activities of the investee according to the specific business needs (including any decisions that may arise on ly in particular circumstances).  Potential existence of a special relationship with the investee.  Implicit or explicit Group commitments to support the investee.  The ability to use the Group´s power over the investee to affect the amount of the Group’s ret urns. This type of entities include cases where the Group has a high exposure to variable returns and retains decision-making power over the investee, eithe r directly or through an agent. The main structured entities of the Group are the asset securitizati on funds, to which the BBVA Group transfers loans and receivables portfolios, and other vehicles, which allow the Group’s customers to gain access to certain investments or to allow for the transfer of risks or for other purposes (see Appendices I and V). The BBVA Group maintains the decision-making power over the relevant activities of these vehicles and financial support through securitized market standard contracts. The most common ones are: investment positions in equity note tranches, funding through s ubordinated debt, credit enhancements through derivative instruments or liquidity lines, management rights of defaulted securitized assets, “clean-up” call derivatives, and asset repurchase clauses by the grantor. For these reasons, the loans and receivabl e portfolios related to the vast majority of the securitizations carried out by the Bank or Group subsidiaries are not derecognized in the books of said entity and the issuances of the related debt securities are recorded as liabilities within the Group’s consolidated balance sheet. For additional information on the accounting treatment for the transfer and derecognition of financial instruments, see Note 2.2.2. “Transfers and derecognition of financial assets and liabilities”.  Non-consolidated structured e ntities The Group owns other vehicles also for the purpose of allowing customers access to certain investments, to transfer risks, and for other purposes, but without the Group having control of the vehicles, which are not consolidated in accordance with IFRS 10 – “ Consolidated Financial Statements”. The balance of assets and liabilities of these vehicles is not material in relation to the Group’s Con solidated Financial Statements. As of December 31, 2019, 2018 and 2017 there was no material financial support from the Bank or its subsidiaries to unconsolidated structured entities. The Group does not consolidate any of the mutual funds it manages since the necessary control conditions are not met. Particularly, the BBVA G roup does not act as arranger but as agent since it operates the mutual funds on behalf and for the benefit of investors or parties (arranger or arrangers) and, for this reason it does not control the mutual funds when exercising its authority for decision making. The mutual funds managed by the Group are not considered structured entities (generally, retail funds without corporate identity over which investors have participations which gives them ownership of said managed equity). These funds are not depen dent on a capital structure that could prevent them from carry ing out activities without additional financial support, being in any case insufficient as far as the activities themselves are concerned. Additionally, the risk of the investment is absorbed by the fund participants, and the Group is only exposed when it becomes a participant, and as such, there is no other risk for the Group. In all cases, the operating results of equity method investees acquired by the BBVA Group in a particular period only in clude the period from the date of acquisition to the financial statements date. Similarly, the results of entities disposed of during any year only include the period from the start of the year to the date of disposal. The consolidated financial statements of subsidiaries, associates and joint ventures used in the preparation of the Consolidated Financial Statements of the Group have the same presentation date as the Consolidated Financial Statements. If financial statements at those same dates are not avai lable, the most recent will be used, as long as these are not older than three months, and adjusted to take into account the most significant transactions. As of December 31, 2019, financial statements as of December 31 of all Group entities were utilized except for the case of the consolidated financial statements of 6 associates deemed non-significant for which financial statements as of November 30, 2019 were used for 5 of them and the financial statements as of October 31, 2019 were used for 1 of them. 2.2 Accounting policies and valuation criteria applied The accounting standards and policies and the valuation criteria applied in preparing these Consolidated Financial Statements may differ from those used by some of the entities within the BBVA Group. For this reason, necessary adjustments and reclassifications have been made in the consolidation process to standardize these principles and criteria and comply with the IFRS -IASB . The accounting standards and policie s and valuation criteria used in preparing the accompanying Consolidated Financial Statements are as follows: 2.2.1 Financial instruments IFRS 9 became effective as of January 1, 2018 and replaced IAS 39 regarding the classification and measurement of fi nancial assets and liabilities, the impairment of financial assets and hedge accounting. Currently , the Group has elected to continue the application of IAS 39 for hedge accounting, as permitted by IFRS 9. The disclosures for the financial year 2017 relate d to the measurement of financial assets and liabilities, the definition of impaired financial assets, and the method for calculating the impairment on financial assets, which are presented for the purpose of comparability, are based on the accounting policies and valuation criteria applicable under IAS 39. The main aspects regarding IAS 39, applicable until December 31, 2017, are as follows: Measurement of financial instruments IAS 39 established the following three categories for the recognition of fi nancial assets, not applicable under IFRS 9, valued as follows:  “Available-for-sale financial assets”: Assets recognized under this heading were measured at their fair value. Subsequent changes in fair value (gains or losses) were recognized temporarily ne t of tax effect, under the heading “Accumulated other comprehensive income- Items that may be reclassified to profit or loss -Available-for-sale financial assets”.  “ Loans and receivables” and “Held-to-maturity investments”: Assets and liabilities recognized under these headings were subsequently measured at “amortized cost” using the “effective interest rate” method. This was because the consolidated entities generally intend to hold such fin ancial instruments to maturity.  Equity instruments whose fair valu e could not be determined in a sufficiently objective manner and financial derivatives that have those instruments as their underlying asset and are settled by delivery of those instruments were recorded at acquisition cost; adjusted, where appropriate, fo r any impairment loss. Impairment losses on financial assets The method for calculating the impairment of financial assets under IAS 39 was based on incurred losses; impairment losses were recognized only if there was objective evidence of impairment. In other words, an event of a loss had to occur after initial recognition, so that the impairment loss could have been recognized. First, the Group would determine whether there was objective evidence of impairment individually for individually significant de bt instrument s , and collectively for debt instrument s that were not individually significant. If the Group determined that there was no objective evidence of impairment, the assets were classified in groups of debt instrument s based on similar risk charact eristics and impairment was assessed collectively. The impairment on financial assets was determined by type of instrument and other circumstances that could have affected it, taking into account the guarantees received to assure (in part or in full) the p erfo rmance of the financial assets. The information used under such model was past information, adjusted in order to reflect the effect of the conditions in such reporting period, which did not affect the period matching past information, and avoid the eff ect of the conditions that did not exist. The model did not allow the use of prospective information. In the case of equity instruments classified as available for sale, valued at fair value, when there was objective evidence that the negative differences that arose on measurement of these equity instruments were due to impairment, they were no longer registered as “Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Available-for-sale financial assets” and were recog nized in the consolidated income statement. In general, the Group considered that there was objective evidence of impairment on equity instruments classified as available-for-sale when significant unrealized losses had existed over a sustained period of ti me due to a price reduction of at least 40% or over a period of more than 18 months. When applying this evidence of impairment, the Group took into account the volatility in the price of each individual equity instrument to determine whether it was a perce ntage that could be recovered through its sale in the market; other different thresholds could have existed for certain equity instruments or specific sectors. In addition, for individually significant investments, the Group compared the valuation of the m ost significant equity instruments against valuations performed by independent experts. Classification and measurement of financial assets Classification of financial assets IFRS 9 contains three main categories for financial assets classification: measured at amortized cost, measured at fair value with changes through other comprehensive income, and measured at fair value through profit or loss. The classification of financial assets measured at amortized cost or fair value must be carried out on th e basis of two tests: the entity's business model and the assessment of the contractual cash flow, commonly known as the "solely payments of principle and interest" criterion (hereinafter, the SPPI). A debt instrument will be classified in the amortized co st portfolio if the two following conditions are fulfilled:  The financial asset is managed within a business model whose purpose is to maintain the financial assets to maturity, to receive contractual cash flows; and  In accordance with the contractual characteristics of the instrument its cash flows only represent the return of the principal and interest, basically understood as consideration for the time value of money and the debtor's credit risk. A debt instrument will be classified in the portfolio of financial assets at fair value with changes through other comprehensive income if the two following conditions are fulfilled:  The financial asset is managed with a business model whose purpose combines collection of the contractual cash flows and sale o f the assets, and  The contractual characteristics of the instrument generate cash flows which only represent the return of the principal and interest . A debt instrument will be classified at fair value with changes in profit and loss provided that the enti ty's business model for their management or the contractual characteristics of its cash flows do not require classification into one of the portfolios described above. In general, equity instruments will be measured at fair value through profit or loss. Ho wever the Group may make an irrevocable election , at initial recognition to present subsequent changes in the fair value through “ other comprehensive income ” . Financial assets will only be reclassified when BBVA Group decides to change the business model. In this case, all of the financial assets assigned to this business model will be reclassified. The change of the objective of the business model should occur before the date of the reclassification. Measurement of financial assets All financial instruments are initial ly recognized at fair value, plu s those transaction costs which are directly attributable to the issue of the particular instrument for those cases in which financial assets are not classified at fai r value through profit or loss. Ex cluding all derivatives not considered as accounting or economic hedges, all the changes in the fair value of the financial instruments arising from the accrual of interest and similar items are recognized under the headings “Interest and other income” or “Interest expense”, as appropriate, in the accompanying consolidated income statement in the period in which the change occurred (see Note 37). The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as described below, according to the categories of financial assets. “Financial assets held for trading”, “Non-trading financial assets mandatorily at fair value through profit and loss” and “Financial assets designated at fair value through profit or loss” Financial assets are recorded under the heading “Financial assets held for trading” if the objective of the business model is to generate gains by buying and selling these financial instruments or generate short-term results. The financial assets recorded in the heading “Non-trading financial assets mandatorily at fair value through profit and loss” are assigned to a business model which objective is to obtain the contractual cash flows and / or to sell those instruments but it s contractual cash flows do not comply with the requirements of the SPPI test. Financial assets are classified in “Financial assets designated at fair value through profit or loss” only if it eliminates or significantly reduces a measuremen t or recognition inconsistency (an ‘accounting mismatch’) that would otherwise arise from measuring financial assets or financial liabilities, or recognizing gains or loss es on them, on different bases. The assets recognized under these headings of the consolidated balance sheet are measured upon acquisition at fair value and changes in the fair value (gains or losses) are recognized as their net value under the headings “Gains (losses) on financial assets and liabilities held for trading, net”, “Gains (losses) on no n-trading financial assets mandatorily at fair value through profit and loss, net” and “Gains (losses) on financial assets designated at fair value through profit or loss, net” in the accompanyi ng consolidated income statement (see Note 41). C hanges in fa ir value resulting from variations in foreign exchange rates are recognized under the heading Gains (losses) on financial assets and liabilities, net in the accompanying consolidated income statements (Note 41). ”Financial assets at fair value through othe r comprehensive income”  Debt instruments Assets recognized under this heading in the consolidated balance sheets are measured at their fair value. This category of valuation implies the recognition of the information in the income statement as if it were an instrument valued at amortized cost, while the instrument is valued at fair value in the balance sheet. Thus, both the interests of these instruments and the exchange differences and impairment that arise in their case are recorded in the profit and loss account, while s ubsequent changes in its fair value (gains or losses) are recognized temporarily (by the amount net of tax effect ) under the head ing “Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Fair value changes of debt instruments measured at fair value through other comprehensive income” in the consolidated balance sheets (see Note 30). The amounts recognized under the headings “Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Fair value changes of financial assets measured at fair value through other comprehensive income” continue to form part of the Group's consolidated equity until the corresponding asset is derecognized from the consolidated balance sheet or until a loss allowance is recognized on the corresponding financial instrument. If these assets are sold, these amounts are derecognized and included under the headings “Gains (losses) on financial assets and liabilities, net” (see Note 41). The net loss allowances in “Financial assets at fair value through other comprehensive income” over the year are recognized under the heading “ Loss allowances on fi nancial assets, net – Financial assets at fair value through other comprehensive income” (see Note 47) in the consolidated income statement for that period. Interests of th ese instruments are recorded in the consolidated profit and loss account (see Note 37). Changes in foreign exchange rates are recognized under the heading “Exchange differences, net" in the accompanying consolidated income statements (see Note 41).  Equity instruments The BBVA Group, at the time of the initial recognition, may elect to present changes in the fair value in other comprehensive income of an investment in an equity instrument that is not held for trading. The election is irrevocable and can be made on an instru ment-by-instrument basis. Subsequent changes in fair value (gains or losses) are recognized under the heading “Accumulated other comprehensive income (loss) – Items that will not be reclassified to profit or loss – Fair value changes of equity instruments measured at fair value through other comprehensive income”. “Financial assets at amortized cost” The assets under this category are subsequently measured at amortized cost, using the effective interest rate method. Net loss allowances of assets recorded under these headings arising in each period are recognized under the heading “Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss – financial assets measured at cost” (see Note 47) in the consolidated income statement for that period. Classification and measurement of financial liabilities Classification of financial liabilities Under IFRS 9, financial liabilities are classified in the following categories:  Financial liabilities at amortized cost;  Financial liabilities that are held for trading , including derivatives , are financial instruments which are recorded in this category when the Group’s objective is to generate gains by buying and selling these financial instruments;  Financi al liabilities that are designated at fair value through profit or loss on initial recognition under the Fair Value Option. The Group has the option to designate irrevocably , on the initial moment of recognition , a financial liability as at fair value thro ugh profit or loss provided that doing so results in the elimination or significant reduction of measurement or recognition inconsistency, or if a group of financial liabilities, or a group of financial assets and financial liabilities, has to be managed, and its performance evaluated, on a fair value basis in accordance with a documented risk management or investment strategy. Measurement of financial liabilities All financial instruments are initially recognized at fair value except for those transaction costs which are directly attributable to the issue of the particular financial liability, for those cases in which financial liabilities are not classified at fai r value through profit or loss. Excluding all trading derivatives not c onsidered as accounting or economic hedges, all the changes in the fair value of the financial instruments arising from the accrual of interest and similar items are recognized under the headings “Interest and other income” or “Interest expense”, as approp riate, in the accompanying consolidated income statement in the period in which the change occurred (see Note 37). The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as de scribed below, according to the categories of financial liabilities. “Financial liabilities held for trading” and “Financial liabilities designated at fair value through profit or loss“ The subsequent changes in the fair value (gains or losses) of the liabilities recognized under these headings of the consolidated balance sheets are recognized as their net value under the headings “Gains (losses) on financial assets and liabilities held for trading, net” and “Gains (losses) on financial assets and liabi lities designated at fair value through profit or loss, net” in the accompanying consolidated income statements (see Note 41), except for the financial liabilities designated at fair value through profit and loss under the fair value option for which the a mount of change in the fair value that is attributable to changes in the own credit risk which is presented in under the heading “Accumulated other comprehensive income (loss) – Items that will not be reclassified to profit or loss – Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk” . However, changes in fair value resulting from variations in foreign exchange rates are recognized under the heading Gains (losses) on financial assets and liabilities, net in the accompanying consolidated income statements (Note 41). “Financial liabilities at amortized cost” The liabilities under this category are subsequently measured at amortized cost, using the “ effective interest rate ” method. “ Derivatives-Hedge Accounting” and “Fair value changes of the hedged items in portfolio hedges of interest-rate risk ” Assets and liabilities recognized under these headings in the accompanying consolidated balance sheets are measured at fair value. Changes occurring subsequent to the designation of the hedging relationship in the measurement of financial instruments designated as hedged items as well as financial instruments designated as hedge accounting instruments are recognized as follows:  In fair value hedges, the changes in the fair value of the derivative and the hedged item attributable to the hedged risk are recogniz ed under the heading “Gains (l osses ) from hedge accounting, net” in the consolidated income statement, with a corresponding offset under the headings where hedging items ("Hedging derivatives") and the hedged items are recognized, as applicable , except for interest-rate risks hedges (which are a lmost all of the hedges used by the Group ) , for which the valuation changes are recognized under the headings “Interest and other income” or “Interest expense”, as appropriate, in the accompanying consolidated income statement (see Note 37).  In fair value hedges of interest rate risk of a portfolio of financial instruments (portfolio-hedges), the gai ns or losses that arise in the measurement of the hedging instrument are recognized in the consolidated income statement, with counterpart on the headings “Derivatives-Hedge Accounting” and the gains or losses that arise from the change in the fair value o f the hedged item (attributable to the hedged risk) are also recognized in the consolidated income statement (in both ca ses under the heading “Gains ( losses ) from hedge accounting, net”, using, as a balancing item, the headings "Fair value changes of the h edged items in portfolio hedges of interest rate risk" in the consolidated balance sheets, as applicable).  In cash flow hedges, the gain or loss on the hedging instruments relating to the effective portion are recognized temporarily under the heading ”Accu mulated other comprehensive income - Items that may be reclassified to profit or loss - Hedging derivatives. Cash flow hedges” in the consolidated balance sheets, with a balancing entry under the heading “Hedging derivatives” of the Assets or Liabilities o f the consolidated balance sheets as applicable. These differences are recognized under the headings “Interest and other income ” or “Interest expense” at the time when the gain or loss in the hedged instrument affects profit or loss, when the forecast tran saction is executed or at the maturity date of the hedged item (see Note 37).  Differences in the measurement of the hedging items corresponding to the ineffective portions of cash flow hedges are recognized di rectly in the heading “Gains ( losses ) from hedge accounting, net” in the consolidated income statement (see Note 41).  In the hedges of net investments in foreign operations, the differences attributable to the effective portions of hedging items are recognized temporarily under the heading "A ccumulated other comprehensive income - Items that may be reclassified to profit or loss – Hedging of net investments in foreign transactions" in the consolidated balance sheets with a balancing entry under the heading “Hedging derivatives” of the Assets o r Liabilities of the consolidated balance sheets as applicable. These differences in valuation are recognized under the heading “Exchange differences, net" in the consolidated income statement when the investment in a foreign operation is disposed of or de recognized (see Note 41). Loss allowances on financial assets Definition of impaired financial assets The impairment model is applied to financial assets valued at amortized cost and to financial assets valued at fair value with changes in accumulated other comprehensive income, except for investments in equity instruments and contracts for financial guarantees and loan commitments unilaterally revocable by BBVA. Likewise, all the financial instruments valued at fair value with change through profit and loss are excluded from the impairment model . The standard classifies financial instruments into three categories, which depend on the evolution of their credit risk from the moment of initial recognition. The first category includes the transactions when they are initially recognized (Stage 1); the second comprises the financial assets for which a significant increase in credit risk has been identified since its initial recognition (Stage 2) and the third one, the impaired financial assets (Stage 3). The c alculation of the provisions for credit risk in each of these three categories must be done differently. In this way, expected loss up to 12 months for the financial assets classified in the first of the aforementioned categories must be recorded, while ex pected losses estimated for the remaining life of the financial assets classified in the other two categories must be recorded. Thus, IFRS 9 differentiates between the following concepts of expected loss:  Expected loss at 12 months: expected credit loss that arises from possible default events within 12 months following the presentation date of the financial statements; and  Expected loss during the life of the transaction: this is the expected credit loss that arises fr om all possible default events over the remaining life of the financial instrument. All this requires considerable judgment, both in the modeling for the estimation of the expected losses and in the forecasts, on how the economic factors affect such losses, which must be carried out o n a weighted probability basis. The BBVA Group has applied the following definitions:  Default BBVA has applied a definition of default for financial instruments that is consistent with that used in internal credit risk ma nagement, as well as the indicators under applicable regulation. Both qualitative and quantitative indicators have been considered. The Group has considered there is a default when one of the following situations occurs:  Payment past-due for more than 90 days; or  there are reasonable doubts regarding the full reimbur

Note 3 - BBVA Group

Note 3 - BBVA Group	12 Months Ended
	Dec. 31, 2019
Grupo BBVA
Grupo BBVA, Entity Information	3. BBVA Group The BBVA Group is an international diversified financial group with a significant presence in retail banking, wholesale banking and asset management. The Group also operates in the insurance sector. The following information is detailed in the appendices of these consolidated financial statements of the Group for the year ended December 31, 2019:  Appendix I shows relevant information related to the consolidated subsidiaries and structured entities.  Appen dix II shows relevant information related to investments in joint ventures and associates account ed for using the equity method.  Appendix III shows the main changes and notification of investments and divestments in the BBVA Group.  Appendix IV shows fully consolidated subsidiaries with more than 10% owned by non-Group shareholders. The following table sets forth information related to the Group’s total assets as of December 31, 2019, 2018 and 2017, broken down by the Group’s entities according to their acti vity: Contribution to Consolidated Group total assets. Entities by main activities (Millions of euros) 2019 2018 2017 Banking and other financial services 667,319 647,164 659,414 Insurance and pension fund managing companies 29,300 26,732 26,134 Other non-financial services 2,071 2,793 4,511 Total 698,690 676,689 690,059 The total assets and results of operations broken down by operating segments are included in Note 6. The BBVA Group’s activities are mainly located in Spain, Mexico, South America, the United States and Turkey, with active pres ence in other countries, as shown below:  Spain The Group’s activity in Spain is mainly carried out through Banco Bilbao Vizcaya Argentaria, S.A. The Group also has other entities that mainly operate in Spain’s banking sector and insurance sector.  Mexico The BBVA Group operates in Mexico, not only in the banking sector, but also in the insurance sector through BBVA Mexico.  South America The BBVA Group’s activities in South America are mainly focused on the banking, financial and insurance sectors, in the f ollowing countries: Argentina, Colombia, Peru, Uruguay and Venezuela. It has a representative office in Sao Paulo (Brazil). The Group owns more than 50% of most of the entities based in these countries. Appendix I shows a list of the entities which, althou gh less than 50% owned by the BBVA Group as of December 31, 2019, are consolidated (see Note 2.1).  The United States The Group’s activity in the United States is mainly carried out through a group of entities with BBVA USA Bancshares, Inc. at their head, a s well as through the New York BBVA, S.A. branch and a representative office in Silicon Valley (California).  Turkey The Group’s activity in Turkey is mainly carried out through the Garanti BBVA Group.  Rest of Europe The Group’s activity in Europe is carried out through banks and financial institutions in Switzerland, Italy, Germany, Netherlands, Finland and Romania, branches in Germany, Belgium, France, Italy, Portugal and the United Kingdom, and a representative office in Moscow.  Asia-Pacific The Gro up’s activity in this region is carried out through the Bank branches (in Taipei, Tokyo, Hong Kong, Singapore and Shanghai) and representative offices (in Beijing, Seoul, Mumbai, Abu Dhabi and Jakarta). Significant transactions in the Group in 2019 Divesti tures Sale of BBVA’s stake in BBVA Paraguay On August 7, 2019, BBVA reached an agreement with Banco GNB Paraguay, S.A., an affiliate of Grupo Financiero Gilinski, for the sale of its wholly-owned subsidiary Banco Bilbao Vizcaya Argentaria Pa raguay, S.A. ( “BBVA Paraguay”). The consideration for the acquisition of BBVA Paraguay’s shares amounts to approximately $270 million. The above mentioned consideration is subject to regular adjustments for these kind of transactions between the signing and closing dates of the transaction. It is expected that the transaction would result in a capital gain, net of taxes, calculated as of the date of this Annual Report, of approximately €40 million and in a positive impact on the BBVA Group’s Common Equity Tier 1 of a pproximately 6 basis points. The closing of the transaction is expected during the first quarter of 2020 after obtaining regulatory authorizations from the competent authorities. Significant transactions in the Group in 2018 Divestitures Sale of BBVA’s st ake in BBVA Chile On November 28, 2017, BBVA received a binding offer (the “Offer”) from The Bank of Nova Scotia group (“Scotiabank”) for the acquisition of BBVA’s stake in Banco Bilbao Vizcaya Argentaria Chile, S.A. (“BBVA Chile”) as well as in other companies of the Group in Chile with operations that are complementary to the banking business (amongst them, BBVA Seguros Vida, S.A.). BBVA owned approximately, directly and indirectly, 68.19% of BBVA Chile share capital. On December 5, 2017, BBVA accepted the Offer and entered into a sale and purchase agreement and the sale was completed on July, 6, 2018. The consideration received in cash by BBVA as consequence of the referred sale amounted to, approximately, USD 2,200 million. The transactio n resulted in a capital gain, net of taxes, of €633 million, which was recognized in 2018. Agreement for the creation of a joint-venture and transfer of the real estate business in Spain On November 29, 2017, BBVA reached an agreement with a subsidiary of Cerberus Capital Management, L.P. (“Cerberus”) for the creation of a “joint venture” to which an important part of the real estate business of BBVA in Spain is transferred (the “Business”). The Bus iness comprises: (i) foreclosed real estate assets (the “REOs”), with a gross book value of approximately €13,000 million, taking as starting point the position of the REOs as of June 26, 2017; and (ii) the necessary assets and employees to manage the Busi ness in an autonomous manner. For the purpose of the agreement with Cerberus, the whole Business was valued at approximately €5,000 million. On October 10, 2018, after obtaining all required authorizations, BBVA completed the transfer of the real estate bu siness in Spain. Closing of the transaction has resulted in the sale of 80% of the share capital of the company Divarian Propiedad, S.A. to an entity managed by Cerberus. Divarian is the company to which the BBVA Group has contributed the Business provided that the effective transfer of several real estate assets (REOs) remains subject to the fulfilment of certain conditions precedent. The final price payable by Cerberus will be adjusted depending on the volume of REOs effectively contributed. The transacti on did not have a significant impact on BBVA Group’s attributable profit of 2018 or the Common Equity Tier 1 as of December 31, 2018. Significant transactions in the Group in 2017 Investments On February 21, 2017, BBVA Group entered into an agreement for the acquisition from Dogus Holding A.S. and Dogus Arastirma Gelistirme ve Musavirlik Hizmetleri A.S of 41,790,000,000 shares of Turkiye Garanti Bankasi, A.S. (“Garanti”), amounting to 9.95% of the total issued share capital of Garanti Bank. On March 22, 2017, the sale and purchase agreement was completed, and therefore BBVA´s total stake in Garanti as of December 31, 2017 amounts to 49.85% (See Note 31).

Note 4 - Shareholder Remunerati

Note 4 - Shareholder Remuneration System	12 Months Ended
	Dec. 31, 2019
Share holder Remuneration System Abstract
Disclosure Share holder Remuneration System Explanatory	4. Shareholder remuneration system As announced on February 1, 2017, BBVA’s Board of Directors, at its meeting held on March, 29, 2017, executed a capital increase to be charged to voluntary reserves for the instrumentation of the last “Dividend Option”, being the subsequent shareholders’ remunerations fully in cash. This fully in-cash shareholders’ remuneration policy would be composed of a distribution on account of the dividend of such year (expected to be paid in October) and a final dividend (which would be paid once the year has ended and the profit allocation has been approved, expected for April), subject to the applicable authori zations by the competent governing bodies. Shareholder remuneration scheme “Dividend Option” Until 2017, the Group implemented a shareholder remuneration system referred to as “Dividend Option”. Under such remuneration scheme, BBVA offered its shareholders the possibility to receive all or part of their remuneration in the form of newly-issued BBVA ordinary shares, whilst maintaining the possibility for BBVA shareholders to receive their entire remuneration in cash by selling the rights of free allocation a ssigned either to BBVA (in execution of the commitment assumed by BBVA to acquire the rights of free allocation at a guaranteed fixed price) or by selling the rights of free allocation on the market at the prevailing market price at that time. However, the execution of the commitment assumed by BBVA was only available to whoever had been originally assigned such rights of free allocation and only in connection with the rights of free allocation initially allocated at such time. On March 29, 2017, BBVA’s Boa rd of Directors resolved to execute the capital increase to be charged to voluntary reserves approved by the Annual General Meeting (“AGM”) held on March 17, 2017, under agenda item three, to implement a “Dividend Option” in that year. As a result of this increase, the Bank’s share capital increased by €49,622,955.62 through the issuance of 101,271,338 newly-issued BBVA ordinary shares at 0.49 euros par value, given that 83.28% of owners of the rights of free allocation opted to receive newly issued BBVA or dinary shares. The remaining 16.72% of the owners of the rights of free allocation exercised the commitment assumed by BBVA, and as a result, BBVA acquired 1,097,962,903 rights (at a gross price of €0.131 each) for a total amount of €143,833,140.29. This a mount is recorded in “Total equity- Interim dividends” of the consolidated balance sheet as of December 31, 2017. Cash Dividends Throughout 2017, 2018 and 2019, BBVA’s Board of Directors approved the payment of the following dividends (interim or final div idends) fully in cash, recorded in “Total Equity- Interim Dividends” and “Total Equity – Retained earnings” of the consolidated balance sheet of the relevant year:  The Board of Directors, at its meeting held on September 27, 2017, approved the payment in cash of €0.09 (€0.0729 net of withholding tax) per BBVA share as the first gross interim dividend against 2017 results. The total amount paid to shareholders on October 10, 2017, after deducting treasury shares held by the Group's companies, amounted to €5 99 million and is recognized under the headings “Total equity- Interim dividends” of the consolidated balance sheet as of December 31, 2017.  The Annual General Meeting of BBVA held on March 16, 2018 approved, under item 1 of the Agenda, the payment of a fi nal dividend for 2017, in addition to other dividends previously paid, in cash for an amount equal to €0.15 (€0.1215 net of withholding tax) per BBVA share. The total amount paid to shareholders on April 10, 2018, after deducting treasury shares held by th e Group’s companies, amounted €996 million and is recognized under heading “Total equity- Retained earnings” of the consolidated balance sheet as of December 31, 2018.  The Board of Directors, at its meeting held on September 26, 2018, approved the paymen t in cash of €0.10 (€0.081 net of withholding tax) per BBVA share, as gross interim dividend against 2018 results. The total amount paid to shareholders on October 10, 2018, after deducting treasury shares held by the Group's companies, amounted to €663 mi llion and is recognized under the heading “Total equity- Interim dividends” of the consolidated balance sheet as of December 31, 2018.  The Annual General Meeting of BBVA held on March 15, 2019, approved, under item 1 of the Agenda, the payment of a final d ividend for 2018, in addition to other dividends previously paid, in cash for an amount equal to €0.16 (€0.1296 withholding tax) per BBVA share. The total amount paid to shareholders on April 10, 2019, after deducting treasury shares held by the Group’s Co mpanies, amounted to € 1,064 million and is recognized under the heading “Total equity- Retained earnings” of the consolidated balance sheet as of December 31, 2019.  The Board of Directors, at its meeting held on October 2, 2019, approved the payment in cas h of €0.10 (€0.081 net of withholding tax rate of 19%) per BBVA share, as gross interim dividend based on 2019 results. The total amount paid to shareholders on October 15, 2019, after deducting treasury shares held by the Group´s companies, amounted to € 6 65 million and is recognized under the heading “Total equity- Interim dividends” of the consolidated balance sheet as of December 31, 2019. The unaudited accounting statements prepared in accordance with legal requirements evidencing the existence of sufficient liquidity for the distribution of the amounts agreed on October 2, 2019, mentioned above are as follows: Available amount for Interim dividend payments (Millions of Euros) August, 31, 2019 Profit of BBVA, S.A., after the provision for income tax 1,137 Additional Tier I capital instruments remuneration 276 Maximum amount distributable 861 Amount of proposed interim dividend 667 BBVA cash balance available to the date 6,691 Proposal on allocation of earnings for 2019 The allocation of earnings for 2019 subject to the approval of the Board of Directors at the Annual Shareholders Meeting is presented below: Allocation of earnings of BBVA, S.A. (Millions of Euros) December 2019 Profit for year 2,241 Distribution Interim dividends 667 Final dividend 1,067 Additional Tier 1 securities 419 Voluntary reserves 88

Note 5 - Earnings Per Share

Note 5 - Earnings Per Share	12 Months Ended
	Dec. 31, 2019
Earnings Per Share Abstract
Earnings Per Share Explanatory	5. Earnings per share Basic and diluted earnings per share are calculated in accordance with the criteria established by IAS 33. For more information see Glossary of terms. The calculation of earnings per share is as follows: Basic and Diluted Earnings per Share 2019 2018 (4) 2017 (4) Numerator for basic and diluted earnings per share (millions of euros) Profit attributable to parent company 3,512 5,400 3,514 Adjustment: Additional Tier 1 securities (1) (419) (447) (430) Profit adjusted (millions of euros) (A) 3,093 4,953 3,084 Denominator for basic earnings per share (number of shares outstanding) Weighted average number of shares outstanding (2) 6,668 6,668 6,642 Weighted average number of shares outstanding x corrective factor (3) 6,668 6,668 6,642 Adjusted number of shares - Basic earnings per share (C) 6,648 6,636 6,642 Adjusted number of shares - diluted earnings per share (D) 6,648 6,636 6,642 Earnings per share (*) 0.47 0.75 0.46 Basic earnings per share from continued operations (Euros per share)A-B/C 0.47 0.75 0.46 Diluted earnings per share from continued operations (Euros per share)A-B/D 0.47 0.75 0.46 (1) Remuneration in the year related to contingent convertible securities, recognized in equity (see Note 22.4). (2) Weighted average number of shares outstanding (millions of euros), excluding weighted average of treasury shares during the year. (3) Corr ective factor, due to the capital increase with pre-emptive subscription right, applied for the previous years. (4) The figures corresponding to 2018 and 2017 have been restated (see Note 1.3) (*) In 2019 the weighted average number of shares outstandi ng was 6,668 million (6,668 million and 6,642 million in 2018 and 2017, respectively) and the adjustment of additional Tier 1 securities amounted to €419 million (€447 and €430 million in 2018 and 2017, respectively). As of December 31, 2019, 2018 and 2017 , there were no other financial instruments or share option commitments to employees that could potentially affect the calculation of the diluted earnings per share for the years presented. For this reason, basic and diluted earnings per share are the same .

Note 6 - Operating Segment Repo

Note 6 - Operating Segment Reporting	12 Months Ended
	Dec. 31, 2019
Operating Segments Reporting
Disclosure Of Entitys Reportable Segments Explanatory	6. Operating segment reporting Operating segment reporting represents a basic tool in the oversight and management of the BBVA Group’s various activities. The BBVA Group compiles reporting information on disaggregated business activities. These business activities are then aggregated in accordance with the organizational structure determined by the BBVA Group and, ultimately, into the reportable operating segments themselves. During 2019, the reporting st ructure of the BBVA Group’s business areas differs from the one presented at the end of the year 2018, as a result of the integration of the Non-Core Real Estate business area into Banking Activity in Spain, which has been renamed “Spain”. Additionally, ba lance sheet intra-group adjustments between Corporate Center and the operating segments have been reallocated to the corresponding operating segments. In addition, certain expenses related to global projects and activities have been reallocated between the Corporate Center and the corresponding operating segments. In order to make the 2019 information comparable as required by IFRS 8 “Information by business segments”, figures as of December 31, 2018 and 2017 have been restated in conformity with the new se gment reporting structure. The BBVA Group's operating segments are summarized below:  Spain Includes mainly the banking and insurance business that the Group carries out in Spain.  The United States Includes the financial business activity of BBVA USA in t he country and the activity of the branch of BBVA, S.A., in New York.  Mexico Includes banking and insurance businesses in this country as well as the activity of its branch in Houston.  Turkey Reports the activity of Garanti BBVA group that is mainly carri ed out in this country and, to a lesser extent, in Romania and the Netherlands.  South America Primarily includes the Group´s banking and insurance businesses in the region. In relation to the sale of BBVA Paraguay, the closing is expected to take place du ring the first quarter of 2020 (see Note 3).  Rest of Eurasia Includes the banking business activity carried out by the Group in Europe and Asia, excluding Spain. Lastly, Corporate Center performs centralized Group functions, including: the costs of the he ad offices with a corporate function; management of structural exchange rate positions; some equity instruments issuances to support an adequate management of the Group's global solvency. It also includes portfolios whose management is not linked to custom er relationships, such as industrial holdings, certain tax assets and liabilities; funds due to commitments to employees; goodwill and other intangible assets. The breakdown of the BBVA Group’s total assets by operating segments as of December 31, 2019, 20 18 and 2017, is as follows: Total assets by operating segments (Millions of Euros) 2019 2018 (1) 2017 (1) Spain 365,374 354,901 350,520 The United States 88,529 82,057 75,775 Mexico 109,079 97,432 90,214 Turkey 64,416 66,250 78,789 South America 54,996 54,373 75,320 Rest of Eurasia 23,248 18,834 17,265 Subtotal assets by Operating Segments 705,641 673,848 687,884 Corporate Center and adjustments (6,951) 2,841 2,175 Total assets BBVA Group 698,690 676,689 690,059 (1) The figures corresponding to 2018 and 2017 have been restated (see Note 1.3). The following table sets forth certain summarized information relating to the income of each operating segment and Corporate Center for the years ended December 31, 2019, 2018 and 2017 and reconciles the income statement of the various operating segments to the consolidated income statement of the Group: BBVA Group Spain The United States Mexico Turkey South America Rest of Eurasia Corporate Center 2019 Notes Net interest income 18,202 3,645 2,395 6,209 2,814 3,196 175 (233) Gross income 24,542 5,734 3,223 8,029 3,590 3,850 454 (339) Operating profit /(loss) before tax 6,398 1,878 705 3,691 1,341 1,396 163 (2,775) Profit 3,512 1,386 590 2,699 506 721 127 (2,517) 2018 (1) Net interest income 17,591 3,698 2,276 5,568 3,135 3,009 175 (269) Gross income 23,747 5,968 2,989 7,193 3,901 3,701 414 (420) Operating profit /(loss) before tax 8,446 1,840 920 3,269 1,444 1,288 148 (463) Profit 5,400 1,400 736 2,367 567 578 96 (343) 2017 (1) Net interest income 17,758 3,810 2,119 5,476 3,331 3,200 180 (357) Gross income 25,270 6,162 2,876 7,122 4,115 4,451 468 74 Operating profit /(loss) before tax 6,931 1,189 749 2,960 2,143 1,671 181 (1,962) Profit 3,514 877 486 2,170 823 847 128 (1,817) (1) The figures corresponding to 2018 a nd 2017 have been restated (see Note 1.3).

Note 7 - Risk Management

Note 7 - Risk Management	12 Months Ended
	Dec. 31, 2019
Risk Management Abstract
Risk Management Explanatory	= Maximum AAA AAA 1 0 2 AA+ AA+ 2 2 3 AA A" id="sjs-B4">7. Risk management 7.1 Credit risk Credit risk arises from the probability that one party to a financial instrument will fail to meet its contractual obligations for reasons of insolvency or inability to pay and cause a fina ncial loss for the other party. The general principles governing credit risk management in the BBVA Group are:  Risk s taken should comply with the general risk policy established by the Board of Directors of BBVA.  Risk s taken should be in line with the level of equity and generation of recurring revenue of the BBVA Group prioritizing risk diversification and avoiding relevant concentrations.  Risk s taken should be identified, measured and assessed and there should be management and mo nitoring procedures, in addition to sound mitigation and control mechanisms.  Risk s should be managed in a prudent and integrated manner during their life cycle and their treatment should be based on the type of risk. In addition, portfolios should be activ ely managed on the basis of a common metric (economic capital).  The main criterion when granting credit risks is the capability of the borrower or obligor to fulfill on a timely basis all financial obligations with its business income or source of income without depending upon guarantors, bondsmen or pledged asse t s. Credit risk management in the Group has an integrated structure for all its functions, allowing decisions to be taken objectively and independently throughout the life cycle of the risk.  At Group level: frameworks for action and standard rules of conduct are defined for handling risk, specifically, the channels, procedures, structure and supervision.  At the business area level: they are responsible for adapting the Group's criteria to the loc al realities of each geographical area and for direct management of risk according to the decision-making channel:  Retail risks: in general, the decisions are formalized according to the scoring tools, within the general framework for action of each busine ss area, with regard to risks. The changes in weighting and variables of these tools must be validated by the GRM area.  Wholesale risks: in general, the decisions are formalized by each business area within its general framework for action with regard to r isks, which incorporates the delegation rule and the Group's corporate policies. The risk function has a decision-making process supported by a structure of committees with a solid governance scheme, which describes their purposes and functioning for a pro per performance of their tasks. 7.1.1 Measurement Expected Credit Loss (ECL) IFRS 9 requires determining the expected credit loss of a financial instrument in a way that reflects an unbiased estimation removing any conservatism or optimism, the time value of money and a forward looking perspective (including the economic forecast). Therefore the recognition and measurement of expected credit losses (ECL) is highly complex and involves the use of significant analysis and estimation including formulatio n and incorporation of forward-looking economic conditions into ECL. Risk Parameters Adjusted by Macroeconomic Scenarios Expected Credit Loss must include forward looking information, in accordance with IFRS 9, which states that the comprehensive credit ri sk information must incorporate not only historical information but also all relevant credit information, including forward-looking macroeconomic information. BBVA uses the classical credit risk parameters PD, LGD and EAD in order to calculate the ECL for the credit portfolios. BBVA´s methodological approach in order to incorporate the forward looking information aims to determine the relation between macroeconomic variables and risk parameters following three main steps:  Step 1: Analysis and transformation of time series data.  Step 2: For each dependent variable find conditional forecasting models that are economically consistent.  Step 3: Select the best conditional forecasting model from the set of candidates defined in Step 2, based on their forecasting capacity . How economic scenarios are reflected in calculation of ECL The forward looking component is added to the calculation of the ECL through the introduction of macroeconomic scen arios as an input. Inputs highly depend on the particular combination of region and portfolio, so inputs are adapted to available data regarding each of them . Based on economic theory and analysis, the main indicators most directly relevant for explaining and forecasting the selected risk parameters (PD, LGD and EAD ) are:  The net income of families, corporates or public administrations.  The outstanding payment amounts on the principal and interest on the financial instruments .  The value of the collateral assets pledge to the loan. BBVA Group approximates these variables by using a proxy indicator from the set included in the macroeconomic scenarios provided by the economic research department. Only a single specific indicator for each of the three categories can be used and only one of the following core macroeconomic indica tor s s hould be chosen as first option :  T he real GDP g rowth for the purpose of conditional forecasting can be seen as the only “factor” required for capturing the influence of all potentially relevant macro-financial scenarios on internal PDs and LGD.  T he most representative short term interest rate (typically the policy rate or the most liquid sovereign yield or interbank rate) or exchange rates expressed in real terms .  A comprehensive and representative index of the price of real estate properties expressed in real terms in the case of mortgage loans and a representative and real term index of the price of the relevant commodity for corporate loan portfolios concentrated in exporters or producer of such commodity. Real GDP growth is given priority over any other indicator not only because it is the most comprehensive indicator of income and economic activity but also because it is the central variable in the generation of macroeconomic scenarios. Multiple scenario approach under IFRS 9 IFRS 9 requires calculating an unbiased probability weighted measurement of expected credit losses (“ECL”) by evaluating a range of possible outcomes, including forecasts of future economic conditions. The BBVA Research teams within the BBVA Group produce forecasts of th e macroeconomic variables under the baseline scenario, which are used in the rest of the related processes of the B ank, such as budgeting, ICAAP and risk appetite framework, stress testing, etc. Additionally, the BBVA Research teams produced alternative sc enarios to the baseline scenario so as to meet the requirements under the IFRS 9 standard. Alternative macroeconomic scenarios  For each of the macro-financial variables, BBVA Research produces three scenarios.  BBVA Research tracks , analy z es and forecasts the economic environment to provide a consistent forward looking assessment about the most likely scenario and risks that impact BBVA’s footprint. To build economic scenarios, BBVA Research combines official data, econometric techniques an d expert knowledge.  Each of these scenarios corresponds to the expected value of a different area of the probabilistic distribution of the possible projections of the economic variables.  The non-linearity overlay is defined as the ratio between the probabi lity-weighted ECL under the alternative scenarios and the baseline scenario, where the scenario’s probability depends on the distance of the alternative scenarios from the base one.  BBVA Group establishes equally weighted scenarios, being the probability 3 4% for the baseline scenario, 33% for the worst alternative scenario and 33% for the best alternative scenario. BBVA Group considers three prospective macroeconomic scenarios which are updated periodically (currently every three months) . BBVA Research projects a maximum of five years for the macro economic variables. The estimation for the next five years of the GDP used in the estimation of the measurement of expected credit loss as of D ecember 31, 2019 is as follows: GDP for the main geographies: GDP for the main geographies Spain Mexico Turkey The United States Date GDP negative scenario GDP base scenario GDP positive scenario GDP negative scenario GDP base scenario GDP positive scenario GDP negative scenario GDP base scenario GDP positive scenario GDP negative scenario GDP base scenario GDP positive scenario 2019 0.96% 1.54% 2.15% -0.58% 0.23% 1.06% -0.60% 3.32% 7.06% 1.16% 2.12% 3.13% 2020 1.35% 1.87% 2.42% 0.93% 1.66% 2.39% -0.68% 2.48% 5.27% 1.00% 1.81% 2.62% 2021 2.01% 2.10% 2.19% 2.05% 2.14% 2.23% 4.60% 4.74% 4.91% 1.84% 1.92% 2.03% 2022 1.85% 1.89% 1.88% 2.07% 2.14% 2.19% 4.28% 4.38% 4.47% 1.83% 1.86% 1.91% 2023 1.81% 1.85% 1.85% 2.11% 2.15% 2.17% 4.31% 4.38% 4.50% 1.88% 1.91% 1.94% Peru Argentina Colombia Date GDP negative scenario GDP base scenario GDP positive scenario GDP negative scenario GDP base scenario GDP positive scenario GDP negative scenario GDP base scenario GDP positive scenario 2019 0.34% 2.92% 5.43% -7.41% -2.47% 2.40% 1.93% 3.29% 4.58% 2020 0.32% 2.46% 4.56% -6.62% -2.57% 0.85% 1.71% 2.73% 3.74% 2021 3.07% 3.28% 3.49% 2.08% 2.30% 2.51% 3.61% 3.61% 3.61% 2022 3.39% 3.39% 3.39% 1.64% 1.78% 1.88% 3.59% 3.59% 3.59% 2023 3.86% 3.86% 3.86% 1.95% 2.10% 2.23% 3.59% 3.59% 3.59% The approach in BBVA consists on using the scenario that is the most likely scenario, which is the baseline scenario, consistent with the rest of internal processes (ICAAP, B udgeting…) and then applying an overlay adjustment that is calculated by taking into account the weighted average of the ECL determined by each of the scenarios. It is important to note that in general, it is expected that the effect of the overlay is to increase the ECL. It is possib le to obtain an overlay that does not have that effect, whenever the relationship between macro scenarios and losses is linear. However, the overlay is not expected to reduce the ECL. 7.1.2 Credit risk exposure In acc ordance with IFRS 7 “Financial i nstru ments: Disclosures”, the BBVA Group’s credit risk exposure by headings in the balance sheets as of December 31, 2019 and 2018 is provided below. It does not consider the loss allowances and the availability of collateral or other credit enhancements to enable compliance with payment obligations. The details are broken down by financial instruments and counterparties : Maximum credit risk exposure (Millions of Euros) Notes December 2019 Stage 1 Stage 2 Stage 3 Financial assets held for trading 69,503 Debt securities 10 26,309 Equity instruments 10 8,892 Loans and advances 10 34,303 Non-trading financial assets mandatorily at fair value through profit or loss 5,557 Loans and advances 11 1,120 Debt securities 11 110 Equity instruments 11 4,327 Financial assets designated at fair value through profit or loss 12 1,214 Derivatives (trading and hedging) 39,462 Financial assets at fair value through other comprehensive income 61,293 Debt securities 13 58,841 58,590 250 - Equity instruments 13 2,420 Loans and advances to credit institutions 13 33 33 - - Financial assets at amortized cost 451,640 402,024 33,624 15,993 Loans and advances to central banks 4,285 4,285 - - Loans and advances to credit institutions 13,664 13,500 158 6 Loans and advances to customers 394,763 345,449 33,360 15,954 Debt securities 38,930 38,790 106 33 Total financial assets risk 628,670 Total loan commitments and financial guarantees 33 181,116 169,663 10,452 1,001 Total maximum credit exposure 809,786 Maximum credit risk exposure (Millions of Euros) Notes December 2018 Stage 1 Stage 2 Stage 3 Financial assets held for trading 59,581 Debt securities 10 25,577 Equity instruments 10 5,254 Loans and advances 10 28,750 Non-trading financial assets mandatorily at fair value through profit or loss 5,135 Loans and advances 11 1,803 Debt securities 11 237 Equity instruments 11 3,095 Financial assets designated at fair value through profit or loss 12 1,313 Derivatives (trading and hedging) 38,249 Financial assets at fair value through other comprehensive income 56,365 Debt securities 13 53,737 53,734 3 - Equity instruments 13 2,595 Loans and advances to credit institutions 13 33 33 - - Financial assets at amortized cost 431,927 384,632 30,902 16,394 Loans and advances to central banks 3,947 3,947 - - Loans and advances to credit institutions 9,175 9,131 34 10 Loans and advances to customers 386,225 339,204 30,673 16,348 Debt securities 32,580 32,350 195 35 Total financial assets risk 592,571 Total loan commitments and financial guarantees 33 170,511 161,404 8,120 987 Total maximum credit exposure 763,082 The maximum credit exposure presented in the table above is determined by type of financial asset as explained below:  In the case of financial instruments recognized in the consolidated balance sheets, exposure to credit risk is considered equal to its carrying amount (not including loss allowances) with the only exception of trading and hedging derivatives.  The maximum credit risk exposure on financial commitments and guarantees granted is the maximum that the Group would be liable for if these guarantees were called in, or the higher amount pending to be disposed from the customer in the case of commitments.  The calculation of risk exposure for derivatives is based on the sum of two factors: the derivatives fair value and their potential risk (or "add-on"). The breakdown by geographical location and Stage of the maximum credit risk exposure, the accumulated allowances recorded and the carrying amount of the loans and advances to customers as of December 31, 2019 and 2018 is shown below: December 2019 Gross exposure Accumulated allowances Carrying amount Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Spain (*) 197,058 173,843 14,599 8,616 (5,311) (712) (661) (3,939) 191,747 173,131 13,939 4,677 The United States 57,387 49,744 7,011 632 (688) (165) (342) (182) 56,699 49,580 6,670 450 Mexico 60,099 54,748 3,873 1,478 (2,013) (697) (404) (912) 58,087 54,052 3,469 566 Turkey (**) 43,113 34,536 5,127 3,451 (2,613) (189) (450) (1,974) 40,500 34,347 4,677 1,477 South America (***) 36,265 31,754 2,742 1,769 (1,769) (366) (323) (1,079) 34,497 31,388 2,419 690 Others 839 824 7 9 (8) (1) (1) (6) 832 823 6 2 Total (****) 394,763 345,449 33,360 15,954 (12,402) (2,129) (2,181) (8,093) 382,360 343,320 31,179 7,861 ( *) Spain includes all countries where BBVA, S.A. operates. (**) Turkey includes all countries in which Garanti BBVA operates. (***) In South America, BBVA Group operates in Argentina, Colombia, Peru, Uruguay and Venezuela. (****) The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2019, the remain ed balance was € 433 million). These valuation adjustments are recognized in the income statement during the residual life of the operations or are applied to the value correctio ns when the losses materialize. December 2018 Gross exposure Accumulated allowances Carrying amount Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Spain (*) 195,447 172,599 12,827 10,021 (5,874) (713) (877) (4,284) 189,574 171,886 11,951 5,737 The United States 57,321 50,665 5,923 733 (658) (206) (299) (153) 56,663 50,459 5,624 580 Mexico 52,858 48,354 3,366 1,138 (1,750) (640) (373) (737) 51,107 47,714 2,992 401 Turkey (**) 43,718 34,883 6,113 2,722 (2,241) (171) (591) (1,479) 41,479 34,712 5,523 1,244 South America (***) 36,098 31,947 2,436 1,715 (1,656) (338) (234) (1,084) 34,442 31,609 2,202 631 Others 783 756 8 19 (19) - (1) (18) 763 755 7 1 Total (****) 386,225 339,204 30,673 16,348 (12,199) (2,070) (2,374) (7,755) 374,027 337,134 28,299 8,593 ( *) Spain includes all countries where BBVA, S.A. operates. (**) Turkey includes all countries in which Garanti BBVA operates. (***) In South America, BBVA Group operates in Argentina, Chile, Colombia, Peru, Uruguay and Venezuela. (****) The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2018 the remained balance was €540 million). These valuation adjustments are recognized in the income statement during the residual life of the operations or are applied to the value corrections when the losses materialize. The breakdown by counterparty of the maximum credit risk exposure, the accumulated allowances recorded, as well as the carrying amount by stages of loans and advances to customers as of December 31, 2019 and 2018 is shown below: December 2019 (Millions of Euros) Gross exposure Accumulated allowances Net amount Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Public administrations 28,281 27,511 682 88 (59) (15) (22) (21) 28,222 27,496 660 66 Other financial corporations 11,239 11,085 136 17 (31) (19) (2) (10) 11,207 11,066 134 8 Non-financial corporations 173,254 148,768 16,018 8,468 (6,465) (811) (904) (4,750) 166,789 147,957 15,114 3,718 Individuals 181,989 158,085 16,523 7,381 (5,847) (1,283) (1,252) (3,312) 176,142 156,801 15,272 4,069 Loans and advances to customers 394,763 345,449 33,360 15,954 (12,402) (2,129) (2,181) (8,093) 382,360 343,320 31,179 7,861 December 2018 (Millions of Euros) Gross exposure Accumulated allowances Net amount Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Public administrations 28,632 27,740 764 128 (84) (21) (25) (38) 28,549 27,719 739 91 Other financial corporations 9,490 9,189 291 11 (22) (13) (4) (4) 9,468 9,176 286 6 Non-financial corporations 169,764 145,875 15,516 8,372 (6,260) (730) (1,190) (4,341) 163,503 145,145 14,327 4,031 Individuals 178,339 156,400 14,102 7,838 (5,833) (1,305) (1,155) (3,372) 172,506 155,094 12,946 4,466 Loans and advances to customers 386,225 339,204 30,673 16,348 (12,199) (2,070) (2,374) (7,755) 374,027 337,134 28,299 8,593 The breakdown by counterparty and product of loans and advances, net of loss allowances, as well as the gross carrying amount by type of product, classified in different headings of the assets, as of December 31, 2019, 2018 and 2017 is shown below: December 2019 (Millions of Euros) Central banks General governments Credit institutions Other financial corporations Non-financial corporations Households Total Gross carrying amount By product On demand and short notice - 9 - 118 2,328 595 3,050 3,251 Credit card debt - 10 1 3 1,940 14,401 16,355 17,608 Commercial debtors 971 - 230 15,976 99 17,276 17,617 Finance leases - 227 - 6 8,091 387 8,711 9,095 Reverse repurchase loans - - 1,817 - 26 - 1,843 1,848 Other term loans 4,240 26,734 4,121 7,795 137,934 160,223 341,047 351,230 Advances that are not loans 35 865 7,743 3,056 951 506 13,156 13,214 LOANS AND ADVANCES 4,275 28,816 13,682 11,208 167,246 176,211 401,438 413,863 By secured loans Of which: mortgage loans collateralized by immovable property 1,067 15 261 23,575 111,085 136,003 139,317 Of which: other collateralized loans - 10,447 93 2,106 29,009 6,893 48,548 49,266 By purpose of the loan Of which: credit for consumption 46,356 46,356 49,474 Of which: lending for house purchase 110,178 110,178 111,636 By subordination Of which: project finance loans 12,259 12,259 12,415 December 2018 (Millions of Euros) Central banks General governments Credit institutions Other financial corporations Non-financial corporations Households Total Gross carrying amount By product On demand and short notice - 10 - 151 2,833 648 3,641 3,834 Credit card debt - 8 1 2 2,328 13,108 15,446 16,495 Commercial debtors 948 - 195 16,190 103 17,436 17,716 Finance leases - 226 - 3 8,014 406 8,650 9,077 Reverse repurchase loans - 293 477 - - - 770 772 Other term loans 3,911 26,839 2,947 7,030 133,573 157,760 332,060 342,264 Advances that are not loans 29 1,592 5,771 2,088 984 498 10,962 11,025 LOANS AND ADVANCES 3,941 29,917 9,196 9,468 163,922 172,522 388,966 401,183 By secured loans Of which: mortgage loans collateralized by immovable property 1,056 15 219 26,784 111,809 139,883 144,005 Of which: other collateralized loans - 7,179 285 1,389 31,393 6,835 47,081 47,855 By purpose of the loan Of which: credit for consumption 40,124 40,124 42,736 Of which: lending for house purchase 111,007 111,007 112,952 By subordination Of which: project finance loans 13,973 13,973 14,286 December 2017 (Millions of Euros) Central banks General governments Credit institutions Other financial corporations Non-financial corporations Households Total On demand and short notice - 222 - 270 7,663 2,405 10,560 Credit card debt - 6 - 3 1,862 13,964 15,835 Trade receivables 1,624 - 497 20,385 198 22,705 Finance leases - 205 - 36 8,040 361 8,642 Reverse repurchase loans 305 1,290 13,793 10,912 - - 26,300 Other term loans 6,993 26,983 4,463 5,763 125,228 155,418 324,848 Advances that are not loans 2 1,964 8,005 1,044 1,459 522 12,995 LOANS AND ADVANCES 7,301 32,294 26,261 18,525 164,637 172,868 421,886 Of which: mortgage loans (Loans collateralized by immovable property) 998 - 308 37,353 116,938 155,597 Of which: other collateralized loans 7,167 13,501 12,907 24,100 9,092 66,767 Of which: credit for consumption 40,705 40,705 Of which: lending for house purchase 114,709 114,709 Of which: project finance loans 16,412 16,412 7.1.3 Mitigation of credit risk, collateralized credit risk and other credit enhancements In most cases, maximum credit risk exposure is reduced by collateral, credit enhancements and other actions which mitigate the Group’s exposure. The BBVA Group applies a credit risk hedging and mitigation policy deriving from a banking approach focused on relationship banking. The existence of guarantees could be a necessary but not sufficient instrument for accepting risks, as the assumption of risks by the Group requires prior evaluation of th e debtor’s capacity for repayment, or that the debtor can generate sufficient resources to allow the amortization of the risk incurred under the agreed terms. The policy of accepting risks is therefore organized into three different levels in the BBVA Grou p:  Analysis of the financial risk of the transaction, based on the debtor’s capacity for repayment or generation of funds.  The constitution of guarantees that are adequate, or at any rate generally accepted, for the risk assumed, in any of the generally ac cepted forms: monetary, secured, personal or hedge guarantees; and finally  A ssessment of the repayment risk (asset liquidity) of the guarantees received. This is carried out through a prudent risk policy that consists of the analysis of the financial risk, based on the capacity f or reimbursement or generation of resources of the borrower, the analysis of the guarantee , assessing, among others, the efficiency, the robustness and the risk, the adequacy of the guarantee with the operation and other aspects such as the location, currency, concentration or the existence of limitations. Additionally, the necessary tasks for the constitution of guarantees must be carried out - in any of the generally accepted forms (collaterals, personal guarantees and financial hedge instruments) - appropriate to the risk assumed. The procedures for the management and valuation of collateral ar e set out in the corporate p olicies (retail and wholesale), which establish the basic principles for cre dit risk management, including the management of collaterals assigned in transactions with customers. The criteria for the systematic, standardized and effective treatment of collateral in credit transaction procedures in BBVA Group’s wholesale and retail banking are included in the Specific Collateral Rules. The methods used to value the collateral are in line with the best market practices and imply the use of appraisal of real-estate collateral, the market price in market securities, the trading price of shares in mutual funds, etc. All the collaterals received must be correctly assigned and entered in the corresponding register. They must also have the approval of the Group’s legal units. The following is a description of the main types of collateral for each financial instrument class:  Debt instruments held for trading: The guarantees or credit enhancements obtained directly from the issuer or counterparty are implicit in the clauses of the instrument ( mainly guarantees of the issuer ).  Derivatives and hedging derivatives: In derivatives, credit risk is minimized through contractual netting agreements, where positive- and negative-value derivatives with the same counterparty are offset for their net balance. There may likewise be other kinds of guarantee s and collaterals, depending on counterparty solvency and the nature of the transaction (mainly collaterals).  The summary of the compensation effect (via netting and collateral) for derivatives and securities operations is presented in Note 7.2.2.  Other fi nancial assets designated at fair value through profit or loss and financial assets at fair value through other comprehensive income: The guarantees or credit enhancements obtained directly from the issuer or counterparty are inherent to the structure of the instrument (mainly personal guarantees).  A s of December 31, 2019 and 2018 , BBVA Group had no credit risk exposure of impaired financial assets at fair value through other comprehensive income (see Note 7.1.2).  Financial assets at amortized cost:  Loans a nd advances to credit institutions: These usually have the counterparty’s personal guarantee or pledged securities in the case of repos.  Loans and advances to customers: Most of these loans and advances are backed by personal guarantees extended by the cus tomer. There may also be collateral to secure loans and advances to customers (such as mortgages, cash collaterals, pledged securities and other collateral), or to obtain other credit enhancements (bonds or insurances ).  Debt securities: The guarantees or credit enhancements obtained directly from the issuer or counterparty are inherent to the structure of the instrument.  Financial guarantees , other contingent risks and drawable by third parties: these have the counterparty’s personal guarantee or other types of collaterals . The disclosure of impaired loans and advances at amortized cost covered by collateral (see Note 7.1.2), by type of collateral, as of December 31, 2019 and 2018 , is the following: December 2019 (Millions of Euros) Maximum exposure to credit risk Of which secured by collateral Residential properties Commercial properties Cash Others Financial Impaired loans and advances at amortized cost 15,959 3,396 939 35 221 542 Total 15,959 3,396 939 35 221 542 December 2018 (Millions of Euros) Maximum exposure to credit risk Of which secured by collateral Residential properties Commercial properties Cash Others Financial Impaired loans and advances at amortized cost 16,359 3,484 1,255 13 317 502 Total 16,359 3,484 1,255 13 317 502 The value of guarantees received as of December 31, 2019 and 2018 , is the following: Guarantees received (Millions of Euros) 2019 2018 Value of collateral 152,454 158,268 Of which: guarantees normal risks under special monitoring 14,623 14,087 Of which: guarantees non-performing risks 4,590 5,068 Value of other guarantees 35,464 16,897 Of which: guarantees normal risks under special monitoring 3,306 1,519 Of which: guarantees non-performing risks 542 502 Total value of guarantees received 187,918 175,165 The maximum credit risk exposure of impaired financial guarantees and other commitments at December 31, 2019 and 2018 amounts to €1,001 and €987 mil lion, respectively (see Note 7.1.2). 7.1.4 Credit quality of financial assets that are neither past due nor impaired The BBVA Group has tools that enable it to rank the credit quality of its transactions and customers based on an assessment and its correspondence with the probability of default (“PD”) scales. To analyze the performance of PD, the Group has a series of tracking tools and historical databases that collect the pertinent internally generated information. These tools can be grouped togeth er into scoring and rating models. Scoring Scoring is a decision-making model that contributes to both the arrangement and management of retail loans: consumer loans, mortgages, credit cards for individuals, etc. Scoring is the tool used to decide to origi nate a loan, what amount should be originated and what strategies can help establish the price, because it is an algorithm that sorts transactions by their credit quality. This algorithm enables the BBVA Group to assign a score to each transaction requeste d by a customer, on the basis of a series of objective characteristics that have statistically been shown to discriminate between the quality and risk of this type of transactions. The advantage of scoring lies in its simplicity and homogeneity: all that i s needed is a series of objective data for each customer, and this data is analyzed automatically using an algorithm. There are three types of scoring, based on the information used and on its purpose:  Reactive scoring: measures the risk of a transaction r equested by an individual using variables relating to the requested transaction and to the customer’s socio-economic data available at the time of the request. The new transaction is approved or rejected depending on the score.  Behavioral scoring: scores t ransactions for a given product in an outstanding risk portfolio of the entity, enabling the credit rating to be tracked and the customer’s needs to be anticipated. It uses transaction and customer variables available internally. Specifically, variables th at refer to the behavior of both the product and the customer.  Proactive scoring: gives a score at customer level using variables related to the individual’s general behavior with the entity, and to his/her payment behavior in all the contracted products. The purpose is to track the customer’s credit quality and it is used to pre-approve new transactions. Rating Rating tools, as opposed to scoring tools, do not assess transactions but focus on the rating of customers instead: companies, corporations, SMEs, general governments, etc. A rating tool is an instrument that, based on a detailed financial study, helps determine a customer’s ability to meet his/her financial obligations. The final rating is usually a combination of various factors: on one hand, quant itative factors, and on the other hand, qualitative factors. It is a middle road between an individual analysis and a statistical analysis. The main difference between ratings and scorings is that the latter are used to assess retail products, while rating s use a wholesale banking customer approach. Moreover, scorings only include objective variables, while ratings add qualitative information. And although both are based on statistical studies, adding a business view, rating tools give more weight to the bu siness criterion compared to scoring tools. For portfolios where the number of defaults is low (sovereign risk, corporates, financial entities, etc.) the internal information is supplemented by “benchmarking” of the external rating agencies (Moody’s, Stand ard & Poor’s and Fitch). To this end, each year the PDs compiled by the rating agencies at each level of risk rating are compared, and the measurements compiled by the various agencies are mapped against those of the BBVA master rating scale. Once the prob ability of default of a transaction or customer has been calculated, a "business cycle adjustment" is carried out. This is a means of establishing a measure of risk that goes beyond the time of its calculation. The aim is to capture representative informat ion of the behavior of portfolios over a complete economic cycle. This probability is linked to the Master Rating Scale prepared by the BBVA Group to enable uniform classification of the Group’s various asset risk portfolios. The table below shows the abri dged scale used to classify the BBVA Group’s outstanding risk as of December 31, 2019: External rating Internal rating Probability of default (basic points) Standard&Poor's List Reduced List (22 groups) Average Minimum from >= Maximum AAA AAA 1 0 2 AA+ AA+ 2 2 3 AA A

Note 8 - Fair Value

Note 8 - Fair Value	12 Months Ended
	Dec. 31, 2019
Fair Value Abstract
Fair Value Measurement	8. Fair v alue of financial instruments Framework and processes control As part of the process established in the Group for determining the fair value in order to support that financial assets and liabilities are properly valued, BBVA has established, at a geographic level, a structure of Risk Operational Admission and Product Governance Committees responsible for validating and approving new products or types of financial assets and liabilities before being contracted. Local management responsible for valuation, which are independent from the business are members of these committees. These areas are required to ensure, prior to the approval stage, the existence of not only technical and human resources, but also adequate informational sources to measure the fair value of these financial assets and liabilities, in accordance with the rules established by the valuation global area and using models that have been validated and approved by the responsible areas. Fair value hierarchy The fair value of financial instrument s is commonly defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the mea surement date ( market-based measureme nt) . All financial instruments, both assets and liabilities are initially recognized at fair value, which at that point is equivalent to the transaction price, unless there is evidence to the contrary in the m arket. Subsequently, depending on the type of financial instrument, it may continue to be recognized at amortized cost or fair value through adjustments in the consolidated income statement or equity. When possible, the fair value is determined as the mark et price of a financial instrument. However, for many of the financial assets and liabilities of the Group, especially in the case of derivatives, there is no market price available, so its fair value is estimated on the basis of the price established in r ecent transactions involving similar instruments or, in the absence thereof, by using mathematical measurement models that are sufficiently tried and trusted by the international financial community. The estimates of the fair value derived from the use of such models take into consideration the specific features of the asset or liability to be measured and, in particular, the various t ypes of risk associated with such asset or liability. However, the limitations inherent in the measurement models and possib le inaccuracies in the assumptions and parameters required by these models may mean that the estimated fair value of an asset or liability does not exactly match the price for which the asset or liability could be exchanged or settled on the date of its me asurement. Additionally, for financial assets and liabilities that show significant uncertainty in inputs or model parameters used for valuation, criteria is established to measure said uncertainty and activity limits are set based on these. Finally, these measurements are compared, as much as possible, against other sources such as the measurements obtained by the business teams or those obtained by other market participants. The process for determining the fair value requires the classification of the fin ancial assets and liabilities according to the measurement processes used as set forth below:  Level 1: Valuation using directly the quotation of the instrument, observable and readily and regularly available from independent price sources and referenced to active markets that the entity can access at the measurement date. The instruments classified within this level are fixed-income securities, equity instruments and certain derivatives.  Level 2: Valuation of financial instruments with commonly accepted tec hniques that use inputs obtained f rom observable data in markets.  Level 3: Valuation of financial instruments with valuation techniques that use significant unobservable inputs in the market. As of December 31 , 2019, the affected instruments at fair value accounted for approximately 0.57% of financial assets and 0.14% of the Group’s financial liabilities. Model selection and validation is undertaken by control areas outside the business areas. 8.1 Fair value of financial instruments The fair value of the Group’s financial instruments in the accompanying consolidated balance sheets a nd its corresponding carrying amounts , as of December 31, 2019, 2018 and 2017 are presented below : Fair Value and carrying amount (Millions of euros) 2019 2018 Notes Carrying amount Fair value Carrying amount Fair value ASSETS Cash, cash balances at central banks and other demand deposits 9 44,303 44,303 58,196 58,196 Financial assets held for trading 10 102,688 102,688 90,117 90,117 Non-trading financial assets mandatorily at fair value through profit or loss 11 5,557 5,557 5,135 5,135 Financial assets designated at fair value through profit or loss 12 1,214 1,214 1,313 1,313 Financial assets at fair value through other comprehensive income 13 61,183 61,183 56,337 56,337 Financial assets at amortized cost 14 439,162 442,788 419,660 419,857 Hedging derivatives 15 1,729 1,729 2,892 2,892 LIABILITIES Financial liabilities held for trading 10 89,633 89,633 80,774 80,774 Financial liabilities designated at fair value through profit or loss 12 10,010 10,010 6,993 6,993 Financial liabilities at amortized cost 22 516,641 515,910 509,185 510,300 Hedging derivatives 15 2,233 2,233 2,680 2,680 Fair Value and Carrying Amount (Millions of euros) 2017 2016 Notes Carrying Amount Fair Value Carrying Amount Fair Value ASSETS Cash, cash balances at central banks and other demand deposits 9 42,680 42,680 40,039 40,039 Financial assets held for trading 10 64,695 64,695 74,950 74,950 Financial assets designated at fair value through profit or loss 12 2,709 2,709 2,062 2,062 Available-for-sale financial assets 69,476 69,476 79,221 79,221 Loans and receivables 431,521 438,991 465,977 468,844 Held-to-maturity investments 13,754 13,865 17,696 17,619 Derivatives – Hedge accounting 15 2,485 2,485 2,833 2,833 LIABILITIES Financial liabilities held for trading 10 46,182 46,182 54,675 54,675 Financial liabilities designated at fair value through profit or loss 12 2,222 2,222 2,338 2,338 Financial liabilities at amortized cost 22 543,713 544,604 589,210 594,190 Derivatives – Hedge accounting 15 2,880 2,880 2,347 2,347 Not all financial assets and liabilities are recorded at fair value, so below we provide the information on financial instruments recorded at fair value and subsequently the information of those recorded at amortized cost (including their fair value although this value is n ot used when accounting for these instruments). 8.1.1 Fair value of financial instruments recognized at fair value, according to valuation criteria Below are the different elements used in the valuation technique of financial instruments. Active Market B BVA considers active market as a market that allows the observation of bid and offer prices representative of the levels to which the market participants are willing to negotiate an asset, with sufficient frequency and volume . By default, BBVA would consid er all internally approved “Organized Markets” as active markets, without considering this an unchangeable list. Furthermore, BBVA would consider as traded in an “Organized Market” quotations for assets or liabilities from O ver T he C ounter (OTC) markets wh en they are obtained from independent sources, observable on a daily basis and fulfil certain conditions. The following table shows the financial instruments carried at fair value in the accompanying consolidated balance sheets, broken down by level used t o determine their fair value: Fair value of financial instruments by levels (Millions of Euros) 2019 2018 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 ASSETS- Financial assets held for trading 31,135 70,045 1,508 26,730 62,983 404 Loans and advances 697 32,321 1,285 47 28,642 60 Debt securities 18,076 8,178 55 17,884 7,494 199 Equity instruments 8,832 - 59 5,194 - 60 Derivatives 3,530 29,546 109 3,605 26,846 85 Non-trading financial assets mandatorily at fair value through profit or loss 4,305 92 1,160 3,127 78 1,929 Loans and advances 82 - 1,038 25 - 1,778 Debt securities - 91 19 90 71 76 Equity instruments 4,223 1 103 3,012 8 75 Financial assets designated at fair value through profit or loss 1,214 - - 1,313 - - Debt securities 1,214 - - 1,313 - - Financial assets at fair value through other comprehensive income 50,896 9,203 1,084 45,824 9,323 1,190 Loans and advances 33 - - 33 - - Debt securities 49,070 9,057 604 43,788 9,211 711 Equity instruments 1,794 146 480 2,003 113 479 Hedging derivatives 44 1,685 - 7 2,882 3 LIABILITIES- Financial liabilities held for trading 26,266 62,541 827 22,932 57,573 269 Deposits 9,595 32,121 649 7,989 29,945 - Trading derivatives 4,425 30,419 175 3,919 27,628 267 Other financial liabilities 12,246 1 2 11,024 - 1 Financial liabilities designated at fair value through profit or loss - 9,984 27 - 4,478 2,515 Customer deposits - 944 - - 976 - Debt certificates - 4,629 27 - 2,858 - Other financial liabilities - 4,410 - - 643 2,515 Derivatives – Hedge accounting 30 2,192 11 223 2,454 3 Fair value of financial instruments by levels (Millions of euros) 2017 Level 1 Level 2 Level 3 ASSETS- Financial assets held for trading 29,057 35,349 289 Loans and advances to customers - 56 - Debt securities 21,107 1,444 22 Equity instruments 6,688 33 80 Derivatives 1,262 33,815 187 Financial assets designated at fair value through profit or loss 2,061 648 - Loans and advances to customers - 648 - Debt securities 174 - - Equity instruments 1,888 - - Available-for-sale financial assets 57,381 11,082 544 Debt securities 54,850 10,948 454 Equity instruments 2,531 134 90 Hedging derivatives - 2,483 2 LIABILITIES- Financial liabilities held for trading 11,191 34,866 125 Derivatives 1,183 34,866 119 Short positions 10,008 - 6 Financial liabilities designated at fair value through profit or loss - 2,222 - Derivatives – Hedge accounting 274 2,606 - The following table sets forth the main valuation techniques, hypothesis and inputs used in the estimation of fair value of the financial instruments classified under Levels 2 and 3, based on the type of financial asset and liability and the corresponding balances as of December 31, 2019 and 2018 : Fair value of financial Instruments by levels. December 2019 (Millions of euros) Level 2 Level 3 Valuation technique(s) Observable inputs Unobservable inputs ASSETS Financial assets held for trading 70,045 1,508 - Issuer´s credit risk - Current market interest rates - Funding interest rates observed in the market or in consensus services - Exchange rates - Prepayment rates - Issuer´s credit risk - Recovery rates - Funding interest rates not observed in the market or in consensus services Loans and advances 32,321 1,285 Present-value method (Discounted future cash flows) Debt securities 8,178 55 Present-value method (Discounted future cash flows) Observed prices in non active markets - Issuer´s credit risk - Current market interest rates - Non active markets prices - Prepayment rates - Issuer´s credit risk - Recovery rates Equity instruments - 59 Comparable pricing (Observable price in a similar market) Present-value method - Brokers quotes - Market operations - NAVs published - NAV not published Derivatives 29,546 109 Interest rate Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations - Beta - Implicit correlations between tenors - interest rates volatility Equity Future and Equity Forward: Discounted future cash flows Equity Options: Local Volatility, Momentum adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations - Implicit dividends and long term repos Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations Credit Credit Derivatives: Default model and Gaussian copula - Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility Commodities Commodities: Momentum adjustment and discounted cash flows Non-trading financial assets mandatorily at fair value through profit or loss 92 1,160 Loans and advances - 1,038 Specific liquidation criteria regarding losses of the EPA proceedings PD and LGD of the internal models, valuations and specific criteria of the EPA proceedings Discounted future cash flows - Prepayment rates - Business plan of the underlying asset, WACC, macro scenario - Property valuation Debt securities 91 19 Present-value method (Discounted future cash flows) - Issuer credit risk - Current market interest rates - Prepayment rates - Issuer credit risk - Recovery rates Equity instruments 1 103 Comparable pricing (Observable price in a similar market) Present-value method - Brokers quotes - Market operations - NAVs published - NAV provided by the administrator of the fund Financial assets at fair value through other comprehensive income 9,203 1,084 Debt securities 9,057 604 Present-value method (Discounted future cash flows) Observed prices in non active markets - Issuer´s credit risk - Current market interest rates - Non active market prices - Prepayment rates - Issuer credit risk - Recovery rates Equity instruments 146 480 Comparable pricing (Observable price in a similar market) Present-value method - Brokers quotes - Market operations - NAVs published - NAV provided by the administrator of the fund Hedging derivatives 1,685 - Interest rate Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations Equity Future and Equity Forward: Discounted future cash flows Equity Options: Local volatility, Momentum adjustment Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment Credit Credit Derivatives: Default model and Gaussian copula Commodities Commodities: Momentum adjustment and Discounted cash flows Fair Value of financial Instruments by Levels. December 2019 (Millions of euros) Level 2 Level 3 Valuation technique(s) Observable inputs Unobservable inputs LIABILITIES Financial liabilities held for trading 62,541 827 Deposits 32,121 649 Present-value method (Discounted future cash flows) - Interest rate yield - Funding interest rates observed in the market or in consensus services - Exchange rates - Funding interest rates not observed in the market or in consensus services Derivatives 30,419 175 Interest rate Interest rate products (Interest rate Swaps, call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations - Beta - Correlation between tenors - Interest rates volatility Equity Future and Equity forward: Discounted future cash flows Equity Options: Local volatility, momentum adjustment - Volatility of volatility - Assets correlation Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment - Volatility of volatility - Assets correlation Credit Credit Derivatives: Default model and Gaussian copula - Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility Commodities Commodities: Momentum adjustment and discounted cash flows Short positions 1 2 Present-value method (Discounted future cash flows) - Prepayment rates - Issuer´s credit risk - Current market interest rates Financial liabilities designated at fair value through profit or loss 9,984 27 Present-value method (Discounted future cash flows) - Prepayment rates - Issuer´s credit risk - Current market interest rates - Prepayment rates - Issuer´s credit risk - Current market interest rates Derivatives – Hedge accounting 2,192 11 Interest rate Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations - Beta - Implicit correlations between tenors - interest rates volatility Equity Future and Equity Forward: Discounted future cash flows Equity Options: Local volatility, momentum adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations - Implicit dividends and long term repos Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local Volatility, moments adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations Credit Credit Derivatives: Default model and Gaussian copula - Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility Commodities Commodities: Momentum adjustment and discounted cash flows Fair Value of financial Instruments by Levels. December 2018 (Millions of euros) Level 2 Level 3 Valuation technique(s) Observable inputs Unobservable inputs ASSETS Financial assets held for trading 62,983 404 - Issuer´s credit risk - Current market interest rates - Funding interest rates observed in the market or in consensus services - Exchange rates - Prepayment rates - Issuer´s credit risk - Recovery rates Loans and advances 28,642 60 Present-value method (Discounted future cash flows) Debt securities 7,494 199 Present-value method (Discounted future cash flows) Observed prices in non active markets - Issuer´s credit risk - Current market interest rates - Non active markets prices - Prepayment rates - Issuer´s credit risk - Recovery rates Equity instruments - 60 Comparable pricing (Observable price in a similar market) Present-value method - Brokers quotes - Market operations - NAVs published - NAV provided by the administrator of the funds Derivatives 26,846 85 Interest rate Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations - Beta - Implicit correlations between tenors - interest rates volatility Equity Future and Equity Forward: Discounted future cash flows Equity Options: Local Volatility, Momentum adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations - Implicit dividends and long term repos Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations Credit Credit Derivatives: Default model and Gaussian copula - Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility Commodities Commodities: Momentum adjustment and discounted cash flows Non-trading financial assets mandatorily at fair value through profit or loss 78 1,929 Loans and advances - 1,778 -Present-value method (Discounted future cash flows) Specific criteria for the liquidation of losses established by the EPA protocol - Prepayment rates - Issuer credit risk - Recovery rates - PD and LGD Debt securities 71 76 Present-value method (Discounted future cash flows) - Issuer credit risk - Current market interest rates - Prepayment rates - Issuer credit risk - Recovery rates Equity instruments 8 75 Present-value method (Discounted future cash flows) - Issuer credit risk - Current market interest rates - Prepayment rates - Issuer credit risk - Recovery rates Financial assets at fair value through other comprehensive income 9,323 1,190 Debt securities 9,211 711 Present-value method (Discounted future cash flows) Observed prices in non active markets - Issuer´s credit risk - Current market interest rates - Non active market prices - Prepayment rates - Issuer credit risk - Recovery rates Equity instruments 113 479 Comparable pricing (Observable price in a similar market) Present-value method - Brokers quotes - Market operations - NAVs published - NAV provided by the administrator of the fund Hedging derivatives 2,882 3 Interest rate Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations Equity Future and Equity Forward: Discounted future cash flows Equity Options: Local volatility, Momentum adjustment Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment Credit Credit Derivatives: Default model and Gaussian copula Commodities Commodities: Momentum adjustment and Discounted cash flows Fair Value of financial Instruments by Levels. December 2018 (Millions of euros) Level 2 Level 3 Valuation technique(s) Observable inputs Unobservable inputs LIABILITIES Financial liabilities held for trading 57,573 269 Deposits 29,945 - Derivatives 27,628 267 Interest rate Interest rate products (Interest rate Swaps, call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations - Beta - Correlation between tenors - Interest rates volatility Equity Future and Equity forward: Discounted future cash flows Equity Options: Local volatility, momentum adjustment - Volatility of volatility - Assets correlation Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment - Volatility of volatility - Assets correlation Credit Credit Derivatives: Default model and Gaussian copula - Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility Commodities Commodities: Momentum adjustment and discounted cash flows Short positions 1 Present-value method (Discounted future cash flows) - Correlation default - Credit spread - Recovery rates - Interest rate yield Financial liabilities designated at fair value through profit or loss 4,478 2,515 Present-value method (Discounted future cash flows) - Prepayment rates - Issuer´s credit risk - Current market interest rates - Prepayment rates - Issuer´s credit risk - Current market interest rates Derivatives – Hedge accounting 2,454 3 Interest rate Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations - Beta - Implicit correlations between tenors - interest rates volatility Equity Future and Equity Forward: Discounted future cash flows Equity Options: Local volatility, momentum adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations - Implicit dividends and long term repos Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local Volatility, moments adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations Credit Credit Derivatives: Default model and Gaussian copula - Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility Commodities Commodities: Momentum adjustment and discounted cash flows Main valuation techniques The main techniques used for the assessment of the majority of the financial instruments classified in Level 3, and its main unobservable inputs, are described below:  The net present value (net present value method): This technique use s the future cash flows of each financial instrument, which are established in the different contracts, and discounted to their present value. This technique often includes many observable inputs, but may also include unobservable inputs, as described belo w:  Credit Spread: This input represents the difference in yield of a debt security and the reference rate, reflecting the additional return that a market participant would require to take the credit risk of that debt security. Therefore, the credit spread of the debt security is part of the discount rate used to calculate the present value of the future cash flows.  Recovery rate: This input represents the percentage of principal and interest recovered from a debt instrument that has defaulted. Comparable pr ices (similar asset prices): This input represents the prices of comparable financial instruments and benchmarks used to calculate a reference yield based on relative movements from the entry price or current market levels. Further adjustments to account f or differences that may exist between financial instrument being valued and the comparable financial instrument may be added. It can also be assumed that the price of the financial instrument is equivalent to the comparable instrument. Net asset value: Thi s input represents the total value of the financial assets and liabilities of a fund and is published by the fund manager thereof. Gaussian copula: This model is used to integrate default probabilities of credit instruments referenced to more than one unde rlying CDS. The joint density function used to value the instrument is constructed by using a Gaussian copula that relates the marginal densities by a normal distribution, usually extracted from the correlation matrix of events approaching default by CDS i ssuers. Black 76: variant of Black Scholes model, whose main application is the valuation of bond options, cap floors and swaptions where the behavior of the Forward and not the Spot itself, is directly modeled. Black Scholes: The Black Scholes model postu lates log-normal distribution for the prices of securities, so that the expected return under the risk neutral measure is the risk free interest rate. Under this assumption, the price of vanilla options can be obtained analytically, so that inverting the B lack- Scholes formula, the implied volatility for process of the price can be calculated. Heston: This model, typically applied to equity OTC options, assumes stochastic behavior of volatility. According to which, the volatility follows a process that reve rts to a long-term level and is correlated with the underlying equity instrument. As opposed to local volatility models, in which the volatility evolves deterministically, the Heston model is more flexible, allowing it to be similar to that observed in the short term today. Libor market model: This model assumes that the dynamics of the interest rate curve can be modeled based on the set of forward contracts that compose the underlying interest rate. The correlation matrix is parameterized on the assumption that the correlation between any two forward contracts decreases at a constant rate, beta, to the extent of the difference in their respective due dates. The input “Credit default volatility” is a volatility input of the credit factor dynamic. The multifa ctorial frame of this model makes it ideal for the valuation of instruments sensitive to the slope or curve, including interest rate option. Local Volatility: In the local volatility models of the volatility, instead of being static, evolves over time according to the level of moneyness of the underlying, capturing the existence of smiles. These models are appropriate for pricing path dependent options when use Monte Carlo simulation technique is used. Adjustments to the valuation for risk of default Under IFRS 13 the credit risk valuation adjustments must be considered in the classification of assets and liabilities within fair value hierarchy, because of the absence of observable data of probabilities of default and recoveries used in the calculation. These adjustments are calculated by estimating Exposure At Default, Probability of Default and Loss Given Default, which are based on the recovery levels for all derivative products on any i nstrument, deposits and repos at the legal entity level (all counterparties under a same ISDA / CMOF), in which BBVA has exposure. The credit valuation adjustments (“CVA”) and debit valuation adjustments (“DVA”) are a part of derivative instrument valuatio ns, both financial assets and liabilities, to reflect the impact in the fair value of the credit risk of the counterparty and BBVA, respectively. As a general rule, the calculation of CVA is done through simulations of market and credit variables to calcul ate the expected positive exposure, given the Exposure at Default and multiplying the result by the Loss Given Default of the counterparty. Consequently, the DVA is calculated as the result of the expected negative exposure given the Exposure at Default an d multiplying the result by the Loss Given Default of the counterparty. Both calculations are performed throughout the entire period of potential exposure. The information needed to calculate the exposure at default and the loss given default come from the credit markets (Credit Default Swaps or iTraxx Indexes), where rating is available. For those cases where the rating is not available, BBVA implements a mapping process based on the sector, rating and geography to assign probabilities of both probability of default and loss given default, calibrated directly to market or with an adjustment market factor for the probability of default an d the historical expected loss. The amounts recognized in the consolidated balance sheet as of December 31, 2019 and 2018 related to the valuation adjustments to the credit assessment of the derivative asset as “Credit Valuation Adjustments” (“CVA”) was € - 106 and €-163 million respectively, and the valuation adjustments to the derivative liabilities as “Debit Valuation Adjust ment” (DVA) was €117 million and €214 million respectively . The impact recorded under “Gains or (-) losses on financial assets and liabilities held for trading, net” in the consolidated income statement as of December, 2019 and 2018 corresponding to the mentioned adjus

Note 9 - Cash, Cash balances at

Note 9 - Cash, Cash balances at central banks and other demand deposits	12 Months Ended
	Dec. 31, 2019
Cash, Cash balances at central banks and other demand deposits
Disclosure of Cash, cash balances at central banks and other demand deposits and financial liabilities measured at amortized cost.	9. Cash, cash balances at central banks and other demand deposits The breakdown of the balance under the heading “Cash, cash balances at central banks and other demand deposits” in the accompanying consolidated balance sheets is as follows: Cash, cash balances at central banks and other demand deposits (Millions of Euros) 2019 2018 2017 Cash on hand 7,060 6,346 6,220 Cash balances at central banks 31,755 43,880 31,718 Other demand deposits 5,488 7,970 4,742 Total 44,303 58,196 42,680 The change in “Cash balances at central banks” is mainly due to the decrease in cash held at the Bank of Spain.

Note 10 - Financial assets and

Note 10 - Financial assets and liabilities held for trading	12 Months Ended
	Dec. 31, 2019
Financial assets and liabilities held for trading
Financial Assets and Liabilities held for trading	10. Financial assets and liabilities held for trading 10.1 Breakdown of the balance The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows: Financial assets and liabilities held for trading (Millions of Euros) Notes 2019 2018 2017 ASSETS Derivatives 33,185 30,536 35,265 Equity instruments 7.1.2 8,892 5,254 6,801 Credit institutions 1,037 880 962 Other sectors 7,855 4,374 5,839 Debt securities 7.1.2 26,309 25,577 22,573 Issued by central banks 840 1,001 1,371 Issued by public administrations 23,918 22,950 19,344 Issued by financial institutions 679 790 816 Other debt securities 872 836 1,041 Loans and advances 7.1.2 34,303 28,750 56 Loans and advances to central banks 535 2,163 - Reverse repurchase agreement 35 535 2,163 - Loans and advances to credit institutions 21,286 14,566 - Reverse repurchase agreement 35 21,219 13,305 - Loans and advances to customers 12,482 12,021 56 Reverse repurchase agreement 35 12,187 11,794 - Total assets 102,688 90,117 64,695 LIABILITIES Derivatives 35,019 31,815 36,169 Short positions 12,249 11,025 10,013 Deposits 42,365 37,934 - Deposits from central banks 7,635 10,511 - Repurchase agreement 35 7,635 10,511 - Deposits from credit institutions 24,969 15,687 - Repurchase agreement 35 24,578 14,839 - Customer deposits 9,761 11,736 - Repurchase agreement 35 9,689 11,466 - Total liabilities 89,633 80,774 46,182 As of December 31, 2019, 2018 and 2017 “Short positions” include €11,649 million, 10,255 million and 7,243 million, respectively, held with general governments . 10.2 Derivatives The derivatives portfolio arises from the Group’s need to manage the risks it is exposed to in the normal course of business and also to market products amongst the Group’s customers. As of December 31, 2019, 2018 and 2017, trading derivatives were mainly contracted in over-the-counter (OTC) markets, with counterparties, consisting primarily of foreign credit institutions and other non financial corporations, and are related to foreign-exchange, interest-rate and equity risk. Below is a breakdown of the net positions by transaction type of the fair value and notional amounts of derivatives recognized in the accompanying consolidated balance sheets, divided into organized and OTC markets: Derivatives by type of risk and by product or by type of market (Millions of Euros) 2019 2018 2017 Assets Liabilities Notional amount - Total Assets Liabilities Notional amount - Total Assets Liabilities Notional amount - Total Interest rate 21,479 20,853 3,024,794 19,146 18,769 2,929,371 22,606 22,546 2,152,490 OTC 21,479 20,852 2,997,443 19,146 18,769 2,910,016 22,606 22,546 2,129,474 Organized market - 1 27,351 - - 19,355 - - 23,016 Equity instruments 2,263 3,499 84,140 2,799 2,956 114,184 1,778 2,336 95,573 OTC 353 1,435 40,507 631 463 39,599 578 1,207 42,298 Organized market 1,910 2,065 43,633 2,168 2,492 74,586 1,200 1,129 53,275 Foreign exchange and gold 9,086 10,266 472,194 8,355 9,693 432,283 10,371 10,729 380,404 OTC 9,049 10,260 463,662 8,344 9,638 426,952 10,337 10,688 373,303 Organized market 37 6 8,532 11 55 5,331 34 40 7,101 Credit 353 397 29,077 232 393 25,452 489 517 30,181 Credit default swap 338 283 26,702 228 248 22,791 480 507 27,942 Credit spread option - 2 150 2 - 500 - - 200 Total return swap 14 113 2,225 2 145 2,161 9 9 2,039 Commodities 4 4 64 3 3 67 3 3 36 Other - - - - - - 18 38 561 DERIVATIVES 33,185 35,019 3,610,269 30,536 31,815 3,501,358 35,265 36,169 2,659,246 Of which: OTC - credit institutions 20,706 23,717 1,000,243 16,979 18,729 897,384 21,016 22,804 898,209 Of which: OTC - other financial corporations 6,153 6,214 2,370,988 7,372 7,758 2,355,784 8,695 9,207 1,548,919 Of which: OTC - other 4,378 3,016 159,521 4,005 2,780 148,917 4,316 2,986 128,722

Note 11 - Non-trading financial

Note 11 - Non-trading financial assets mandatorily at fair value throug profit or loss	12 Months Ended
	Dec. 31, 2019
Non trading financial assets mandatory at fair value through profit or loss Abstract
Disclosure of Non trading financial assets mandatory at fair value through profit or loss Explanatory	11. Non-trading financial assets mandatorily at fair value through profit or loss The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows: Non-trading financial assets mandatorily at fair value through profit or loss (Millions of Euros) Notes 2019 2018 2017 Equity instruments 7.1.2 4,327 3,095 Debt securities 7.1.2 110 237 Loans and advances to customers 7.1.2 1,120 1,803 Total 5,557 5,135

Note 12 - Financial Instruments

Note 12 - Financial Instruments designated at fair value through profit or loss	12 Months Ended
	Dec. 31, 2019
Financial assets and liabilities designated at fair value through profit or loss
Disclosure of Financial Instruments designated at fair value through profit or loss	12. Financial assets and liabilities designated at fair value through profit or loss The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows: Financial assets and liabilities designated at fair value through profit or loss (Millions of Euros) Notes 2019 2018 2017 ASSETS Equity instruments 1,888 Debt securities 1,214 1,313 174 Loans and advances - - 648 Total assets 7.1.2 1,214 1,313 2,709 LIABILITIES Deposits 944 976 - Debt certificates 4,656 2,858 - Other financial liabilities: Unit-linked products 4,410 3,159 2,222 Total liabilities 10,010 6,993 2,222 As of December 31, 2019, 2018 and 2017, within “Financial liabilities designated at fair value through profit or loss”, liabilities linked to insurance products where the policyholder bears the risk (" Unit-Link ") are recorded. Since the liabilities linked to insurance produ cts in which the policyholder assumes the risk are valued the same way as the assets associated to these insurance products, there is no credit risk component borne by the Group in relation to these liabilities. In addition, the assets and liabilities are included in these headings to reduce inconsistencies (asymmetries) in the valuation of those operations and those used to manage their risk.

Note 13 - Financial assets at f

Note 13 - Financial assets at fair value through other comprehensive income	12 Months Ended
	Dec. 31, 2019
Financial Assets At Fair Value Through Other Comprehensive Income Abstract
Financial assets at fair value through other comprehensive income	13. Financial assets at fair value through other comprehensive income 13.1 B reakdown of the balance The breakdown of the balance by the main financial instruments in the accompanying consolidated balance sheets is as follows: Financial assets designated at fair value through other comprehensive income (Millions of Euros) Notes 2019 2018 2017 Equity instruments 7.1.2 2,420 2,595 4,488 Loss allowances - - (1,264) Subtotal 2,420 2,595 3,224 Debt securities 7.1.2 58,841 53,737 66,273 Loss allowances (110) (28) (21) Subtotal 58,731 53,709 66,251 Loans and advances to credit institutions 7.1.2 33 33 - Total 61,183 56,337 69,476 13.2 Equity instruments The breakdown of the balance under the heading "Equity instruments" of the accompanying consolidated financial statements as of December 31, 2019 and 2018 is as follows: Financial assets at fair value through other comprehensive income. Equity instruments. (Millions of Euros) 2019 2018 Amortized cost Unrealized gains Unrealized losses Fair value Amortized cost Unrealized gains Unrealized losses Fair value Equity instruments Spanish companies shares 2,181 - (507) 1,674 2,172 - (210) 1,962 Foreign companies shares 136 87 (11) 213 90 43 (12) 121 The United States 30 47 - 78 20 17 - 37 Mexico 1 33 - 34 1 25 - 26 Turkey 3 2 - 5 3 - (1) 2 Other countries 102 5 (11) 96 66 1 (11) 56 Subtotal equity instruments listed 2,317 87 (518) 1,886 2,262 43 (222) 2,083 Equity instruments Spanish companies shares 5 1 - 5 6 1 - 7 Foreign companies shares 450 79 (1) 528 453 54 (1) 506 The United States 387 32 - 419 388 23 - 411 Turkey 5 4 - 9 6 4 - 10 Other countries 57 43 (1) 99 59 27 (1) 85 Subtotal unlisted equity instruments 454 80 (1) 533 459 55 (1) 513 Total 2,772 167 (519) 2,420 2,721 98 (223) 2,595 The breakdown of the balance under the heading "Equity instruments" of the accompanying consolidated financial statements as of December 31, 2017 is as follows: Available-for-sale financial assets. Equity instruments. December 2017 (Millions of Euros) Amortized cost Unrealized gains Unrealized losses Fair value Equity instruments listed Spanish companies shares 2,189 - (1) 2,188 Foreign companies shares 215 33 (7) 241 United States 11 - - 11 Mexico 8 25 - 33 Turkey 4 1 - 5 Other countries 192 7 (7) 192 Subtotal equity instruments listed 2,404 33 (8) 2,429 Unlisted equity instruments Spanish companies shares 33 29 - 62 Foreign companies shares 665 77 (8) 734 United States 498 40 (6) 532 Mexico 1 - - 1 Turkey 15 6 (2) 19 Other countries 151 31 - 182 Subtotal unlisted equity instruments 698 106 (8) 796 Total 3,102 139 (16) 3,224 13.3 Debt securities The breakdown of the balance under the heading “Debt securities” of the accompanying consolidated financial statements as of December 31, 2019 and 2018, broken down by issuers, is as follows: Financial assets at fair value through other comprehensive income. (Millions of Euros) 2019 2018 Amortized cost Unrealized gains Unrealized losses Fair value Amortized cost Unrealized gains Unrealized losses Fair value Domestic debt securities Government and other government agency debt securities 20,740 830 (20) 21,550 17,205 661 (9) 17,857 Credit institutions 959 65 - 1,024 793 63 - 855 Other issuers 907 40 - 947 804 37 (1) 841 Subtotal 22,607 935 (21) 23,521 18,802 761 (10) 19,553 Foreign debt securities Mexico 7,790 22 (26) 7,786 6,299 6 (142) 6,163 Government and other government agency debt securities 6,869 18 (19) 6,868 5,286 4 (121) 5,169 Credit institutions 77 2 - 78 35 - (1) 34 Other issuers 843 2 (6) 840 978 2 (20) 961 The United States 11,376 68 (51) 11,393 14,507 47 (217) 14,338 Government securities 8,570 42 (12) 8,599 11,227 37 (135) 11,130 Treasury and other government agencies 5,595 32 (2) 5,624 7,285 29 (56) 7,258 States and political subdivisions 2,975 10 (10) 2,975 3,942 8 (79) 3,872 Credit institutions 122 2 - 124 49 1 - 50 Other issuers 2,684 24 (39) 2,670 3,231 9 (82) 3,158 Turkey 3,752 38 (76) 3,713 4,164 20 (269) 3,916 Government and other government agency debt securities 3,752 38 (76) 3,713 4,007 20 (256) 3,771 Credit institutions - - - - 157 - (13) 145 Other countries 11,870 554 (106) 12,318 9,551 319 (130) 9,740 Other foreign governments and other government agency debt securities 6,963 383 (78) 7,269 4,510 173 (82) 4,601 Central banks 1,005 9 (4) 1,010 987 2 (4) 986 Credit institutions 1,795 109 (12) 1,892 1,856 111 (20) 1,947 Other issuers 2,106 53 (12) 2,147 2,197 33 (25) 2,206 Subtotal 34,788 681 (259) 35,210 34,521 392 (758) 34,157 Total 57,395 1,617 (280) 58,731 53,323 1,153 (768) 53,709 The breakdown of the balance under the heading “Debt securities” of t he accompanying consolidated financial statements as of December 31, 2017, broken down by issuers, is as follows: Available-for-sale financial assets. December 2017 (Millions of Euros) Amortized cost Unrealized gains Unrealized losses Fair value Domestic debt securities Government and other government agency debt securities 22,765 791 (17) 23,539 Credit institutions 891 72 - 962 Other issuers 1,061 43 - 1,103 Subtotal Spanish debt securities 24,716 906 (17) 25,605 Foreign debt securities Mexico 9,755 45 (142) 9,658 Government and other government agency debt securities 8,101 34 (120) 8,015 Credit institutions 212 1 (3) 209 Other issuers 1,442 10 (19) 1,434 The United States 12,479 36 (198) 12,317 Government securities 8,625 8 (133) 8,500 Treasury and other government agencies 3,052 - (34) 3,018 States and political subdivisions 5,573 8 (99) 5,482 Credit institutions 56 1 - 57 Other issuers 3,798 26 (65) 3,759 Turkey 5,052 48 (115) 4,985 Government and other government agency debt securities 5,033 48 (114) 4,967 Credit institutions 19 - (1) 19 Other countries 13,271 533 (117) 13,687 Other foreign governments and other government agency debt securities 6,774 325 (77) 7,022 Central banks 1,330 2 (1) 1,331 Credit institutions 2,535 139 (19) 2,654 Other issuers 2,632 66 (19) 2,679 Subtotal 40,557 661 (572) 40,647 Total 65,273 1,567 (589) 66,251 The credit ratings of the issuers of debt securities as of December 31, 2019, 2018, and 2017 are as follows: Debt securities by rating 2019 2018 2017 Fair value (Millions of Euros) % Fair value (Millions of Euros) % Fair value (Millions of Euros) % AAA 3,669 6.2% 531 1.0% 687 1.0% AA+ 7,279 12.4% 13,100 24.4% 10,738 16.2% AA 317 0.5% 222 0.4% 507 0.8% AA- 265 0.5% 409 0.8% 291 0.4% A+ 3,367 5.7% 632 1.2% 664 1.0% A 12,895 22.0% 687 1.3% 683 1.0% A- 10,947 18.6% 18,426 34.3% 1,330 2.0% BBB+ 9,946 16.9% 9,195 17.1% 35,175 53.1% BBB 2,966 5.1% 4,607 8.6% 7,958 12.0% BBB- 1,927 3.3% 1,003 1.9% 5,583 8.4% BB+ or below 4,712 8.0% 4,453 8.3% 1,564 2.4% Without rating 441 0.8% 445 0.8% 1,071 1.6% Total 58,731 100.0% 53,709 100.0% 66,251 100.0% 13.4 Gains/losses Changes in gains / losses The changes in the gains/losses (net of taxes) in December 31, 2019 and 2018 of debt securities recognized under the equity heading “Accumulated other comprehensive income – Items that may be reclassified to profit or loss – Fair value changes of debt instruments measured at fair value through other comprehensive income” and equity instruments recognized under the equity heading “Accumulated other comprehensive income – Items that will not be reclassified to profit or loss – Changes in fair value of equity instruments designated at fair value through other comprehensive income” in the accompanying consolidated balance sheets are as follows: Other comprehensive income - Changes in gains / losses (Millions of euros) Debt securities Equity instruments Notes 2019 2018 2019 2018 Balance at the beginning 943 1,557 (155) 84 Effect of changes in accounting policies (IFRS 9) - (58) - (40) Valuation gains and losses 1,267 (640) (238) (174) Amounts transferred to income (119) (137) Income tax (331) 221 (10) (25) Balance at the end 30 1,760 943 (403) (155) In 2019, the debt se curities impaired recognized in the heading “Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss net gains by modification– Financial assets at fair value through other comprehensive income” in the acc ompanying consolidated income statement amounted to €83 million (see Note 47) as a result of the decrease in the rating of debt securities in BBVA Argentina during the last quarter of 2019. In 2018, the debt securities impaired recognized in the heading “Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss net gains by modification– Financial assets at fair value through other comprehensive income” in the accompanying consolidated income statement amo unted to €1 million (see Note 47). During 2019 and 2018 there has been no significant impairment registered in equity instruments under the heading “Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss net gains by modification- Financial assets at fair value through other comprehensive income ” (see Note 47).

Note 14 - Financial assets at a

Note 14 - Financial assets at amortised cost	12 Months Ended
	Dec. 31, 2019
Financial Assets At Amortised Cost
Disclosure Of Financial Assets at amortized cost	14. Financial assets at amortized cost 14.1 Breakdown of the balance The breakdown of the balance under this heading in the accompanying consolidated balance sheets, according to the nature of the financial instrument, is as follows: Financial assets at amortized cost (Millions of Euros) Notes 2019 2018 2017 Debt securities 38,877 32,530 24,093 Government 31,526 25,014 17,030 Credit institutions 719 644 1,152 Other sectors 6,632 6,872 5,911 Loans and advances to central banks 4,275 3,941 7,300 Loans and advances to credit institutions 13,649 9,163 26,261 Reverse repurchase agreements 35 1,817 478 13,861 Other loans and advances 11,832 8,685 12,400 Loans and advances to customers 382,360 374,027 387,621 Government 28,222 28,114 31,645 Other financial corporations 11,207 9,468 18,173 Non-financial corporations 166,789 163,922 164,510 Other 176,142 172,522 173,293 Total 439,162 419,660 445,275 Of which: impaired assets of loans and advances to customers 15,954 16,349 19,390 Of which: loss allowances of loans and advances (12,427) (12,217) (12,784) Of which: loss allowances of debt securities (52) (51) (15) During financial years 2019 and 2018, there have been no significant reclassifications neither from “Financial assets at amortized cost” to other headings or from other headings to “Financial assets at amortized cost”. 14.2 Debt securities The breakdown of the balance under the heading “Debt securities” in the accompanying consolidated balance sheets, according to the issuer of the debt securities, is as follows: Financial assets at amortized cost. (Millions of Euros) 2019 2018 Amortized cost Unrealized gains Unrealized losses Fair value Amortized cost Unrealized gains Unrealized losses Fair value Domestic debt securities Government and other government agencies 12,755 630 (21) 13,363 10,953 458 (265) 11,146 Credit institutions 26 - - 26 53 - - 53 Other issuers 4,903 38 (10) 4,931 5,014 41 (25) 5,030 Subtotal 17,684 668 (31) 18,320 16,019 499 (290) 16,228 Foreign debt securities Mexico 6,374 168 (18) 6,525 5,148 10 - 5,157 Government and other government agencies debt securities 5,576 166 - 5,742 4,571 9 - 4,579 Credit institutions 526 2 - 529 350 1 - 351 Other issuers 272 - (18) 254 227 - - 227 The United States 6,125 111 (20) 6,217 2,559 15 (3) 2,570 Government securities 5,690 111 (18) 5,783 2,070 - - 2,070 Treasury and other government agencies 1,161 50 (17) 1,193 118 - - 118 States and political subdivisions 4,530 61 (1) 4,590 1,952 - - 1,952 Credit institutions 25 - (1) 25 23 9 (2) 30 Other issuers 410 - (1) 409 466 6 (1) 470 Turkey 4,113 48 (65) 4,097 4,062 - (261) 3,801 Government and other government agencies debt securities 4,105 47 (65) 4,088 4,054 - (261) 3,793 Credit institutions 7 1 - 8 7 - - 7 Other issuers 1 - - 1 1 - - 1 Other countries 4,581 82 (26) 4,637 4,741 32 (152) 4,622 Other foreign governments and other government agency debt securities 3,400 82 (22) 3,459 3,366 27 (152) 3,242 Central banks - - - - 64 - - 64 Credit institutions 135 - - 135 147 - - 147 Other issuers 1,047 - (4) 1,043 1,164 5 - 1,169 Subtotal 21,194 409 (129) 21,476 16,510 57 (416) 16,150 Total 38,877 1,077 (160) 39,796 32,530 556 (706) 32,378 As of December 31, 2019 and 2018, the credit ratings of the issuers of debt securities classified as follows: Debt securities by rating 2019 2018 Carrying amount (Millions of Euros) % Carrying amount (Millions of Euros) % AAA 39 0.1% 49 0.2% AA+ 6,481 16.7% 1,969 6.1% AA 14 - 62 0.2% AA- 713 1.8% - - A+ - - 607 1.9% A 16,806 43.2% 21 0.1% A- 607 1.6% 6,117 18.8% BBB+ 3,715 9.6% 13,894 42.7% BBB 551 1.4% 1,623 5.0% BBB- 3,745 9.6% 2,694 8.3% BB+ or below 5,123 13.2% 4,371 13.4% Without rating 1,083 2.8% 1,123 3.5% Total 38,877 100.0% 32,530 100.0% 14.3 Loans and advances to customers The breakdown of the balance under this heading in the accompanying consolidated balance sheets, according to their nature, is as follows: Loans and advances to customers (Millions of Euros) Notes 2019 2018 2017 On demand and short notice 3,050 3,641 10,560 Credit card debt 16,354 15,445 15,835 Trade receivables 17,276 17,436 22,705 Finance leases 8,711 8,650 8,642 Reverse repurchase agreements 35 26 294 11,554 Other term loans 332,160 324,767 313,336 Advances that are not loans 4,784 3,794 4,989 Total 382,360 374,027 387,621 The following table sets forth a breakdown of the gross carrying amount "Loans and advances to customers" with maturity greater than one year by fixed and variable rate as of December 31, 2019: 'Interest sensitivity of outstanding loans and advances maturing in more than one year (Millions of Euros) Domestic Foreign Total Fixed rate 55,920 68,915 124,835 Variable rate 79,329 97,765 177,095 Total 135,249 166,680 301,929 As of December 31, 2019, 2018 and 2017, 41%, 38% and 38%, respectively, of "Loans and advances to customers" with maturity greater than one year have fixed-interest rates and 59%, 62% and 62%, respectively, have variable interest r ates. The heading “Financial assets at amortized cost – Loans and advances to customers” in the accompanying consolidated balance sheets also includes certain secured loans that, as pursuant to the Mortgage Market Act, are linked to long-term mortgage-cove red bonds. This heading also includes some loans that have been securitized. The balances recognized in the accompanying consolidated balance sheets corresponding to these securitized loans are as follows: Securitized loans (Millions of Euros) 2019 2018 2017 Securitized mortgage assets 26,169 26,556 28,950 Other securitized assets 4,249 3,221 4,143 Total securitized assets 30,418 29,777 33,093

Note 15 - Hedging derivatives a

Note 15 - Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk	12 Months Ended
	Dec. 31, 2019
Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk
Derivatives - Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk	15. Hedging derivatives and fair value changes of the hedged items in portfolio hedges of interest rate risk The balance of these headings in the accompanying consolidated balance sheets is as follows: Derivatives – Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk (Millions of Euros) 2019 2018 2017 ASSETS Derivatives - Hedge accounting 1,729 2,892 2,485 Fair value changes of the hedged items in portfolio hedges of interest rate risk 28 (21) (25) LIABILITIES Hedging derivatives 2,233 2,680 2,880 Fair value changes of the hedged items in portfolio hedges of interest rate risk - - (7) As of December 31, 2019, 2018 and 2017, the main positions hedged by the Group and the derivatives designated to hedge those positions were:  Fair value hedging:  Fixed-interest debt securities at fair value through other compreh ensive income and at amortized cost: The interest rate risk of these securities is hedged using interest rate derivatives (fixed-variable swaps) and forward sales.  Long-term fixed-interest debt securities issued by the Bank: the interest rate risk of these securities is hedged using interest rate derivatives (fixed-variable swaps).  Fixed-interest loans: The equity price risk of these instruments is hedged using interest rate derivatives (fixed-variable swaps).  Fixed-interest and/or embedded derivative depos it portfolio hedges: it covers the interest rate risk through fixed-variable swaps. The valuation of the borrowed deposits corresponding to the interest rate risk is in the heading "Fair value changes of the hedged items in portfolio hedges of interest rat e risk”.  Cash-flow hedges: Most of the hedged items are floating interest-rate loans and asset hedges linked to the inflation of the financial assets at fair value through other comprehensive income portfolio. This risk is hedged using foreign-exchange, in terest-rate swaps, inflation and FRA’s (“Forward Rate Agreement”).  Net foreign-currency investment hedges: These hedged risks are foreign-currency investments in the Group’s foreign subsidiaries. This risk is hedged mainly with foreign-exchange options and forward currency sales and purchases. Note 7 analyzes the Group’s main risks that are hedged using these derivatives. The details of the net positions by hedged risk of the fair value of the hedging derivatives recognized in the accompanying consolidated balance sheets are as follows: Derivatives - Hedge accounting breakdown by type of risk and type of hedge. (Millions of Euros) 2019 2018 2017 Assets Liabilities Assets Liabilities Assets Liabilities Interest rate 920 488 982 513 1,141 850 OTC 920 488 982 513 1,141 850 Equity - 3 6 - - - OTC - 3 6 - - - Foreign exchange and gold 420 316 587 398 625 511 OTC 420 316 587 398 625 511 FAIR VALUE HEDGES 1,341 808 1,575 912 1,766 1,362 Interest rate 224 850 221 562 244 533 OTC 224 839 219 562 242 533 Organized market - 11 2 - 2 - Foreign exchange and gold 115 18 955 873 119 714 OTC 115 18 955 873 119 714 CASH FLOW HEDGES 339 868 1,176 1,435 363 1,247 HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION 12 242 92 231 301 15 PORTFOLIO FAIR VALUE HEDGES OF INTEREST RATE RISK 37 216 33 90 46 256 PORTFOLIO CASH FLOW HEDGES OF INTEREST RATE RISK 1 99 15 12 9 - DERIVATIVES-HEDGE ACCOUNTING 1,729 2,233 2,892 2,680 2,485 2,880 of which: OTC - credit institutions 1,423 1,787 2,534 2,462 1,829 2,527 of which: OTC - other financial corporations 306 426 355 216 651 234 of which: OTC - other - 8 2 2 2 120 The cash flows forecasts for the coming years for cash flow hedging recognized on the accompanying consolidated balance sheet as of December 31, 2019 are: Cash flows of hedging instruments (Millions of Euros) 3 months or less From 3 months to 1 year From 1 to 5 years More than 5 years Total Receivable cash inflows 447 488 2,076 2,061 5,071 Payable cash outflows 395 411 2,223 2,003 5,032 The above cash flows will have an impact on the Group’s consolidated income statements until 2057. In 2019, 2018 and 2017, there was no reclassification in the accompanying consolidated income statements of any amount corresponding to cash flow hedges that was previously reco gnized in equity (see Note 41). The amount for derivatives designated as accounting hedges that did not pass the effectiveness test in December 31, 2019, 2018 and 2017 were not material.

Note 16 - Investments in joint

Note 16 - Investments in joint ventures and associates	12 Months Ended
	Dec. 31, 2019
Investments in subsidiaries, joint ventures and associates
Investments in subsidiaries joint ventures and associates	16. Investments in joint ventures and associates 16.1 Joint ventures and associates The breakdown of the balance of “Investments in joint ventures and associates” in the accompanying consolidated balance sheets is as follows: Joint ventures and associates. Breakdown by entities (Millions of Euros) 2019 2018 2017 Joint ventures Altura Markets S.V., S.A. 73 69 64 RCI Colombia 37 32 19 Desarrollo Metropolitanos del Sur, S.L. 14 13 12 Other 30 59 160 Subtotal 154 173 256 Associates Divarian Propiedad, S.A.U. 630 591 - Metrovacesa, S.A. 443 508 697 ATOM Bank PLC 136 138 66 Solarisbank AG 36 37 - Cofides 23 22 21 Redsys servicios de procesamiento, S.L. 14 12 10 Servicios Electrónicos Globales S.A. de CV 11 9 6 Other 41 88 533 Subtotal 1,334 1,405 1,332 Total 1,488 1,578 1,588 Details of the joint ventures and associates as of December 31, 2019 are shown in Appendix II. The following is a summary of the changes in the in December 31, 2019, 2018 and 2017 under this heading in the accompanying consolidated balance sheets: Joint ventures and associates. Changes in the year (Millions of Euros) Notes 2019 2018 2017 Balance at the beginning 1,578 1,588 765 Acquisitions and capital increases 161 309 868 Disposals and capital reductions (149) (516) (8) Transfers and changes of consolidation method (27) 211 - Share of profit and loss 39 (42) (7) 4 Exchange differences 10 2 (29) Dividends, valuation adjustments and others (43) (8) (12) Balance at the end 1,488 1,578 1,588 The variation during the year 2017 was mainly explained by the increase of BBVA Group stakes in Testa Residencial, S.A. and Metrovacesa Suelo y Promoción, S.A. through its contribution to the capital incr eases carried out by both entities by contributing assets from the Bank’s real estate assets (see Note 21). The variation during the year 2018 was mainly explained by the decrease of BBVA Group stakes in Testa Residencial, S.A., Metrovacesa Suelo y Promoci ón, S.A. and the contribution of assets and subsequent sale to Cerberus of 80% of the capital stake in Divarian Propiedad, S.A.U., (see Note 3 and Appendix III). During the year 2019, there was no significant change in the heading “Investment in joint vent ures and associates” . Appendix III provides notifications on acquisitions and disposals of holdings in subsidiaries, joint ventures and associates, in compliance with article 155 of the Corporations Act and article 53 of the Securities Market Act 24/1988. 16.2 Other information about associates and joint ventures If these entities had been consolidated rather than accounted for using the equity method, the change in each of the lines of balance sheet and the consolidated income statement would not be sig nificant. As of December 31, 2019, 2018 and 2017 there was no financial support agreement or other contractual commitment to associates and joint ventures entities from the holding or the subsidiaries that are not recognized in the financial statements (se e Note 53.2). As of December 31, 2019, 2018 and 2017 there was no contingent liability in connection with the investments in joint ventures and associates (see Note 53.2). 16.3 Impairment As described in IAS 36, when there is indicator of impairment, t he book value of the associates and joint venture entities should be compared with their recoverable amount, being the latter calculated as the higher between the value in use and the fair value minus the cost of sale. As of December 31, 2019, 2018 and 201 7, there were no significant impairments recognized.

Note 17 - Tangible assets

Note 17 - Tangible assets	12 Months Ended
	Dec. 31, 2019
Tangible assets Abstract
Tangible Assets Explanatory	17. Tangible assets The breakdown and movement of the balance and changes of this heading in the accompanying consolidated balance sheets, according to the nature of the related items, is as follows: Tangible assets: Breakdown by type of assets and changes in the year 2019. (Millions of Euros) Right to use asset (*) Investment properties Assets leased out under an operating lease Total Notes Land and buildings Work in progress Furniture, fixtures and vehicles Own use Investment properties Cost Balance at the beginning 5,939 70 6,314 - - 201 386 12,910 Additions 90 63 335 3,574 101 12 - 4,175 Retirements (44) (20) (302) (57) - (10) - (433) Transfers (41) (51) (8) (1) - 13 - (88) Exchange difference and other 57 (6) 12 - - - (49) 14 Balance at the end 6,001 56 6,351 3,516 101 216 337 16,578 Accrued depreciation Balance at the beginning 1,138 - 4,212 - - 11 76 5,437 Additions 45 126 - 457 381 11 4 - 979 Retirements (38) - (255) (3) - - - (296) Transfers (16) - (13) (1) - - - (30) Exchange difference and other 43 - (57) (7) - - (2) (23) Balance at the end 1,253 - 4,344 370 11 15 74 6,067 Impairment Balance at the beginning 217 - - - - 27 - 244 Additions 48 14 - 20 60 - - - 94 Retirements (3) - - - - - - (3) Transfers (16) - - 127 14 (4) - 121 Exchange difference and other - - (20) 4 - 3 - (13) Balance at the end 212 - - 191 14 26 - 443 Balance at the beginning 4,584 70 2,102 - - 163 310 7,229 Balance at the end 4,536 56 2,007 2,955 76 175 263 10,068 (*) The right to use is included at the date of implementation of IFRS 16 as of January 1, 2019. The right to use asset consists mainly of the rental of commercial real estate premises for central services and the network branches located in the countries where the Group operates whose average term is between 5 and 20 years. The clauses included in rental contracts correspond to a large extent to rental contracts under normal market conditions in the country where the property is rented (see Note 2.3). During 2019, there have been no significant changes in the right to use assets for leases. Tangible assets. Breakdown by type of assets and changes in the year 2018 (Millions of Euros) For own use Total tangible asset of own use Investment properties Assets leased out under an operating lease Total Notes Land and buildings Work in progress Furniture, fixtures and vehicles Cost Balance at the beginning 5,490 234 6,628 12,352 228 492 13,072 Additions 445 78 404 927 11 - 938 Retirements (98) (17) (492) (607) (149) (1) (757) Transfers 64 (177) (12) (125) (5) - (130) Exchange difference and other 38 (48) (214) (224) 116 (105) (213) Balance at the end 5,939 70 6,314 12,323 201 386 12,910 Accrued depreciation Balance at the beginning 1,076 - 4,380 5,456 13 77 5,546 Additions 45 120 - 469 589 5 - 594 Retirements (36) - (403) (439) (8) - (447) Disposal of entities in the year (3) - - (3) - - (3) Transfers (31) - (22) (53) (2) - (55) Exchange difference and other 12 - (212) (200) 3 (1) (198) Balance at the end 1,138 - 4,212 5,350 11 76 5,437 Impairment Balance at the beginning 315 - - 315 20 - 335 Additions 48 30 - - 30 (25) - 5 Retirements - - - - (27) - (27) Transfers (77) - - (77) (3) - (80) Exchange difference and other (51) - - (51) 62 - 11 Balance at the end 217 - - 217 27 - 244 Balance at the beginning 4,099 234 2,248 6,581 195 415 7,191 Balance at the end 4,584 70 2,102 6,756 163 310 7,229 Tangible assets. Breakdown by type of assets and changes in the year 2017 (Millions of Euros) For own use Total tangible asset of own use Investment properties Assets leased out under an operating lease Total Notes Land and buildings Work in progress Furniture, fixtures and vehicles Cost Balance at the beginning 6,176 240 7,059 13,473 1,163 958 15,594 Additions 49 128 397 574 1 201 776 Retirements (42) (29) (264) (335) (90) (93) (518) Disposal of entities in the year - - - - - (552) (552) Transfers (273) (57) (186) (516) (698) - (1,214) Exchange difference and other (420) (48) (378) (844) (148) (22) (1,014) Balance at the end 5,490 234 6,628 12,352 228 492 13,072 Accrued depreciation Balance at the beginning 1,116 - 4,461 5,577 63 216 5,856 Additions 45 127 - 553 680 13 - 693 Retirements (26) - (235) (261) (7) (21) (289) Disposal of entities in the year - - - - - (134) (134) Transfers (53) - (146) (199) (31) - (230) Exchange difference and other (88) - (253) (341) (25) 16 (350) Balance at the end 1,076 - 4,380 5,456 13 77 5,546 Impairment Balance at the beginning 379 - - 379 409 10 798 Additions 48 5 - - 5 37 - 42 Retirements (2) - - (2) (10) - (12) Disposal of entities in the year - - - - - (10) (10) Transfers (58) - - (58) (276) - (334) Exchange difference and other (9) - - (9) (140) - (149) Balance at the end 315 - - 315 20 - 335 Balance at the beginning 4,681 240 2,598 7,519 691 732 8,941 Balance at the end 4,099 234 2,248 6,581 195 415 7,191 As of December 31, 2019, 2018 and 2017, the cost of fully amortized tangible assets that remained in use w ere €2,658 €2,624 and €2,660 million respectively while its recoverable residual value was not significant. The following table shows the detail of the net carrying amount of the tangible assets corresponding to Spanish and foreign subsidiaries as of Decem ber 31, 2019, 2018 and 2017: Tangible assets by Spanish and foreign subsidiaries. Net assets values (Millions of euros) 2019 2018 2017 BBVA and Spanish subsidiaries 4,865 2,705 2,574 Foreign subsidiaries 5,203 4,524 4,617 Total 10,068 7,229 7,191

Note 18 - Intangible assets

Note 18 - Intangible assets	12 Months Ended
	Dec. 31, 2019
Intangible Assets and Goodwill Abstract
Intangible Assets Explanatory	18. Intangible assets 18.1 Goodwill The breakdown of the balance under this heading in the accompanying consolidated balance sheets, according to the cash-generating unit (hereinafter “CGU”) to which goodwill has been allocated, is as follows: Goodwill. Breakdown by CGU and changes of the year (Millions of Euros) The United States Turkey Mexico Colombia Chile Other Total Balance as of December 31, 2016 5,503 624 523 191 68 28 6,937 Additions - - 24 - - - 24 Exchange difference (666) (115) (44) (22) (3) (1) (851) Impairment - - - - - (4) (4) Other - - (10) - (33) - (43) Balance as of December 31, 2017 4,837 509 493 168 32 23 6,062 Exchange difference 229 (127) 26 (7) (3) - 118 Balance as of December 31, 2018 5,066 382 519 161 29 23 6,180 Exchange difference 98 (36) 31 3 (2) (1) 93 Impairment (1,318) - - - - - (1,318) Balance as of December 31, 2019 3,846 346 550 164 27 22 4,955 Goodwill in business combinations There were no significant business combinations during 2019, 2018 and 2017. Impairment Test As mentioned in Note 2.2.8 , the CGUs to which goodwill has been allo cated, are periodically tested for impairment by including the allocated goodwill in their carrying amount. This analysis is performed at least annually and whenever there is any indication of impairment. The BBVA Group performs estimations on the recovera ble amount of certain CGU´s by calculating the value in use through the discounted value of future cash flows method. The main hypotheses used for the value in use calculation are the following:  The forecast cash flows, including net interest margin, estim ated by the Group's management, and based on the latest available budgets for the next 3 to 5 years, considering the macroeconomic variables of each CGU, regarding the existing balance structure as well as macroeconomic variables such as the evolution of i nterest rates and the CPI of the geography where the CGU is located, among others.  The constant sustainable growth rate for extrapolating cash flows, starting in the third or fifth year, beyond the period covered by the budgets or forecasts.  The discount r ate on future cash flows, which coincides with the cost of capital assigned to each CGU, and which consists of a risk-free rate plus a premium that reflects the inherent risk of each of the businesses evaluated. The focus used by the Group's management to determine the values of the assumptions is based both on its projections and past experience. These values are verified and use external sources of information, wherever possible. Additionally, the valuations of the goodwill of the CGUs of The United State s and Turkey have been reviewed by independent experts (not the Group's external auditors). However, certain changes to the valuation assumptions used could cause differences in the impairment test result. As a result of the goodwill impairment tests perfo rmed by the Group as of December 31, 2019, the Group estimated impairment losses in the United States CGU, which have been recognized under “Impairment or reversal of impairment on non-financial assets - Intangible assets” in the accompanying consolidated income statement as of December 31, 2019, assigned to the Group Corporate Center. This impairment had a net negative impact on the “Profit for the year – attributable to owners of the parent” of €1,318 million, which is mainly as a result of the negative e volution of interest rates, especially in the second half of the year, which accompanied by the slowdown of the economy causes the expected evolution of results below the previous estimation. This recognition does not affect the Tangible Net Equity or the solvency ratio of the BBVA Group. As of December 31, 2018 and 2017, no impairment has been identified in any of the main CGUs. Goodwill - The United States CGU The Group’s most significan t g oodwill corresponds to the CGU in the United States, the main significant assumptions used in the impairment test of this mentioned CGU are: Impairment test assumptions CGU goodwill in the United States 2019 2018 2017 Discount rate 10.0% 10.5% 10.0% Sustainable growth rate 3.5% 4.0% 4.0% In accordance with paragraph 33.c of IAS 36, as of December 31, 2019, the Group used a steady growth rate of 3.5% based on the real GDP growth rate of the United States, the expected inflation and the potential growth of the banking sector in the United States. This 3.5% rate is lower than the historical average of the past 30 years of the nominal GDP rate of the United States and lower than the real GDP growth forecasted by the IMF. The assumptions with a greater relative weight and whose volatility could have a greater impact in determining the present value of the cash flows starting on the fifth year are the discount rate and the sustainable growt h rate. Below is shown the increased (or decreased) amount of the CGU recoverable amount as a result of a reasonable variation (in basis points) of each of the key assumptions as of December 31, 2019: Sensitivity analysis for main assumptions - The United States (Millions of Euros) Increase of 50 basis points (*) Decrease of 50 basis points (*) Discount rate (871) 1,017 Sustainable growth rate 340 (292) (*) Based on historical changes, the use of 50 basis points to calculate the sensitivity analysis would be a reasonable variation with respect to the observed variations over the last five years . Below is shown the increased (or decreased) amount of the CGU recoverable amount as a result of a reasonable variation (in basis points) of each of the key assumptions as of December 31, 2018 and 2017: Sensitivity analysis for main assumptions - The United States (Millions of Euros) Increase of 50 basis points 2018 (*) Decrease of 50 basis points 2018 (*) Increase of 50 basis point 2017 (*) Decrease of 50 basis point 2017 (*) Discount rate (1,009) 1,176 (1,159) 1,371 Sustainable growth rate 526 (451) 661 (559) (*) Based on historical changes, the use of 50 basis points to calculate the sensitivity analysis wou ld be a reasonable variation with respect to the observed variations over the last five years . Goodwill - Turkey CGU The main significant assumptions used in the impairment test of the CGU of Turkey are: Impairment test assumptions CGU goodwill in Turkey 2019 2018 2017 Discount rate 17.4% 24.3% 18.0% Sustainable growth rate 7.0% 7.0% 7.0% Given the potential growth of the sector in Turkey, in accordance with paragraph 33.c of IAS 36, as of December 31, 2019, 2018 and 2017 the Group used a steady growth rate of 7.0% based on the real GDP growth rate of Turkey and expected inflation. The assumptions with a great er relative weight and whose volatility could affect more in determining the present value of the cash flows starting on the fifth year are the discount rate and the sustainable growth rate. Below is shown the increased (or decreased) amount of the recover able amount as a result of a reasonable variation (in basis points) of each of the key assumptions as of December 31, 2019: Sensitivity analysis for main assumptions - Turkey (Millions of euros) Impact of an increase of 50 basis points Impact of a decrease of 50 basis points Discount rate (192) 212 Sustainable growth rate 31 (28) Below is shown the increased (or decreased) amount of the CGU recoverable amount as a result of a reasonable variation (in basis points) of each of the key assumptions as of December 31, 2018 and 2017: Sensitivity analysis for main assumptions - Turkey (Millions of euros) Increase of 50 basis points 2018 (*) Decrease of 50 basis points 2018 (*) Increase of 50 basis point 2017 (*) Decrease of 50 basis point 2017 (*) Discount rate (149) 158 (298) 327 Sustainable growth rate 40 (37) 214 (196) (*) Based on historical changes, the use of 50 basis points to calculate the sensitivity analysis would be a reasonable v ariation with respect to the observed variations over the last five years . Goodwill - Other CGUs The sensitivity analysis on the main hypotheses carried out for the rest of the CGUs of the Group indicate that their value in use would continue to exceed their book value. 18.2 Other intangible assets The breakdown of the balance and changes of this heading in the accompanying consolidated balance sheets, according to the nature of the related items, is as follows: Other intangible assets (Millions of Euros) 2019 2018 2017 Computer software acquisition expense 1,598 1,605 1,682 Other intangible assets with an infinite useful life 11 11 12 Other intangible assets with a definite useful life 401 518 708 Total 2,010 2,134 2,402 The changes of this heading in December 31, 2019, 2018 and 2017, are as follows: Other intangible assets (Millions of Euros) Notes 2019 2018 2017 Balance at the beginning 2,134 2,402 2,849 Additions 533 552 564 Amortization in the year 45 (620) (614) (694) Exchange differences and other (25) (123) (305) Impairment 48 (12) (83) (12) Balance at the end 2,010 2,134 2,402 As of December 31, 2019, 2018 and 2017, the cost of fully amortized intangible assets that remained in use were €2,702 million, €2,412 million, and €1,969 million re spectively, while their recoverable value was not significant.

Note 19 - Tax assets and Liabil

Note 19 - Tax assets and Liabilities	12 Months Ended
	Dec. 31, 2019
Disclosure Of Tax Assets And Liabilties Abstract
Disclosure Of Tax Assets And Liabiltiies Explanatory	19 Tax assets and liabilities 19.1 Consolidated tax group Pursuant to current legislation, BBVA consolidated tax group in Spain includes the Bank (as the parent company) and its Spanish subsidiaries that meet the requirements provided for under Spanish legislation regulating the taxation regime for the consolidated profit of corporate groups. The Group’s non-Spanish banks and subsidiaries file tax returns in accordance with the tax legislation in force in each coun try. 19.2 Years open for review by the tax authorities The years open to review in the BBVA consolidated tax group in Spain as of December 31, 2019 are 2014 and subsequent years for the main taxes applicable. The remainder of the Spanish consolidated ent ities in general have the last four years open for inspection by the tax authorities for the main taxes applicable, except for those in which there has been an interruption of the limitation period due to the start of an inspection. In the year 2017 as a c onsequence of the tax authorities examination reviews, inspections were initiated through the year 2013 inclusive, and all such years closed with acceptance during the year 2017. These inspections did not result in any material amount to record in the Cons olidated Annual accounts as their impact was previously provisioned for. In view of the varying interpretations that can be made of some applicable tax legislation, the outcome of the tax inspections of the open years that may be conducted by the tax autho rities in the future may give rise to contingent tax liabilities which cannot be reasonably estimated at the present time. However, the Group considers that the possibility of these contingent liabilities becoming actual liabilities is remote and, in any c ase, the tax charge which might arise therefore would not materially affect the Group’s accompanying consolidated financial statements. 19.3 Reconciliation The reconciliation of the Group’s corporate income tax expense resulting from the application of t he Spanish corporation income tax rate and the income tax expense recognized in the accompanying consolidated income statements is as follows: Reconciliation of taxation at the Spanish corporation tax rate to the tax expense recorded for the year (Millions of Euros) 2019 2018 2017 Amount Effective tax % Amount Effective tax % Amount Effective tax % Profit or (-) loss before tax 6,398 8,446 6,931 From continuing operations 6,398 8,446 6,931 Taxation at Spanish corporation tax rate 30% 1,920 2,534 2,079 Lower effective tax rate from foreign entities (*) (381) (234) (307) Mexico (112) 27% (78) 28% (100) 27% Chile (2) 27% (18) 21% (29) 21% Colombia 6 32% 10 33% (3) 29% Peru (12) 28% (12) 28% (16) 27% Turkey (86) 23% (132) 20% (182) 21% Others (***) (175) (4) 23 Revenues with lower tax rate (dividends/capital gains) (49) (57) (53) Equity accounted earnings 18 3 (2) Other effects (**) 545 (27) 457 Income tax 2,053 2,219 2,174 Of which: Continuing operations 2,053 2,219 2,174 (*) Calculated by applying the difference between the tax rate in force in Spain and th e one applied to the Group’s earnings in each jurisdiction. (**) The amount of 2019 is generated as a result of the impact of the impairment of goodwill in The United States' CGU (see Note 18.1). (***) Includes mainly the United States. The effective in come tax rate for the Group in the years ended December 31, 2019, 2018 and 2017 is as follows: Effective tax rate (Millions of Euros) 2019 2018 2017 Income from: Consolidated tax group in Spain (718) 1,482 (678) Other Spanish entities 7 33 29 Foreign entities 7,109 6,931 7,580 Gains (losses) before taxes from continuing operations 6,398 8,446 6,931 Tax expense or income related to profit or loss from continuing operations 2,053 2,219 2,174 Effective tax rate 32.1% 26.3% 31.4% In the year 2019, in the main countries in which the Group has presence, there has been no changes in the nominal tax rate on corporate in come tax except for Colombia, where the applicable tax rate is 33% compared to the 37% of the previous year. In the year 2018, the changes in the nominal tax rate on corporate income tax, in comparison with those existing in the previous years, in the main countries in which the Group has a presence, have been in the United States (federal tax from 35% to 21%), Turkey (from 20% to 22%), Argentina (from 35% to 30%), Chile (from 25.5% to 27%) and Colombia (from 40% to 37%) . 19.4 Income tax recognized in equity In addition to the income tax expense recognized in the accompanying consolidated income statements, the Group has recognized the following income tax charges for these items in the consolidated total equity: Tax recognized in total equity (Millions of Euros) 2019 2018 2017 Charges to total equity Debt securities and others (130) (87) (355) Equity instruments (40) (56) (74) Subtotal (170) (143) (429) Total (170) (143) (429) 19.5 Current an d deferred taxes The balance under the heading "Tax assets" in the accompanying consolidated balance sheets includes current and deferred tax assets. The balance under the “Tax liabilities” heading includes the Group’s various current and deferred tax liab ilities. The details of the mentioned tax assets and liabilities are as follows: Tax assets and liabilities (Millions of Euros) 2019 2018 2017 Tax assets Current tax assets 1,765 2,784 2,163 Deferred tax assets 15,318 15,316 14,725 Pensions 456 405 395 Financial Instruments 1,386 1,401 1,453 Other assets (investments in subsidiaries) 204 302 357 Loss allowances 1,636 1,375 1,005 Other 841 990 870 Secured tax assets (*) 9,363 9,363 9,433 Tax losses 1,432 1,480 1,212 Total 17,083 18,100 16,888 Tax liabilities Current tax liabilities 880 1,230 1,114 Deferred tax liabilities 1,928 2,046 2,184 Financial Instruments 1,014 1,136 1,427 Other 914 910 757 Total 2,808 3,276 3,298 (*) Law guaranteeing the deferred tax assets has been approved in Spain in 2013. In 2017 guaranteed deferred tax assets also existed in Portugal but i n year 2018 they lost the guarantee due to the merge between BBVA Portugal S.A. and BBVA, S.A. The most significant variations of the deferred assets and liabilities in the years 2019, 2018 and 2017 derived from the followings causes: Deferred tax assets and liabilities. Annual variations (Millions of Euros) 2019 2018 2017 Deferred assets Deferred liabilities Deferred assets Deferred liabilities Deferred assets Deferred liabilities Balance at the beginning 15,316 2,046 14,725 2,184 16,391 3,392 Pensions 51 - 10 - (795) - Financials instruments (15) (122) (52) (291) 82 (367) Other assets (98) - (55) - (305) - Loss allowances 261 - 370 - (385) - Others (149) 4 120 153 (366) (841) Guaranteed tax assets - - (70) - 2 - Tax losses (48) - 268 - 101 - Balance at the end 15,318 1,928 15,316 2,046 14,725 2,184 With respect to the changes in assets and liabilities due to deferred tax in 2019 contained in the above table, the following should be pointed out:  Secur ed tax assets maintain the same balance as in the previous year.  The decrease in tax losses occurs as a result of the review of the balance of booked deferred taxes carried out on every accounting closing.  The evolution of the deferred tax assets and liabilities (without taking into consideration the secured deferred tax asset and the tax losses) in net terms is a decrease of €168 million mainly due to the variations in the valuation of portfolio securities and to the operation of the corporate income tax in which differences between accounting and taxation produce movements in the deferred taxes. On the deferred tax assets and liabilities contained in the table above, those included in section 19.4 above have been recognized against the entity's equity, and the rest against earnings for the year or reserves. As of December 31, 2019, 2018 and 2017, the estimated amount of temporary differences associated with investments in subsidiaries, joint ventures and associates, which were not recognized deferred tax liabilities in the accompanying consolidated balance sheets, amounted to 473 mi llion euros, 443 million euros and 376 million euros, respectively. Of the deferred tax assets contained in the above table, the detail of the items and amounts guaranteed by the Spanish government, broken down by the items that originated those assets is as follows: Secured tax assets (Millions of Euros) 2019 2018 2017 (*) Pensions 1,924 1,924 1,947 Loss allowances 7,439 7,439 7,486 Total 9,363 9,363 9,433 (*) In 2017 guaranteed deferred tax assets also existed in Portugal but in 2018 they lost the guarantee. As of December 31, 2019, non-guaranteed net deferred tax assets of the above table amounted to €4,027 million (€3,907 and €3,108 million as of December 31, 2018 and 2017 respectively), which broken down by major geographies is as follows:  Spain: Net deferred tax assets recognized in Spain totaled €2,447 million as of December 31, 2019 (€2,653 and €2,052 million as of December 31, 2018 and 2017, respectively). €1,420 million of the figure recorded in the year ended December 31, 2019 for net deferred tax assets related to tax credits and tax loss carry forwards and €1,027 million relate to temporary differences.  Mexi co: Net deferred tax assets recognized in Mexico amounted to €1,083 million as of December 31, 2019 (€826 and €615 million as of December 31, 2018 and 2017, respectively). Practically all of deferred tax assets as of December 31, 2019 relate to temporary d ifferences. The remainders are tax credits carry forwards.  South America: Net deferred tax assets recognized in South America amounted to €84 million as of December 31, 2019 (€0.4 and €26 million as of December 31, 2018 and 2017, respectively). Practically all the deferred tax assets are related to temporary differences.  The United States: Net deferred tax assets recognized in the United States amounted to 122 million as of December 31, 2019 (€164 and €180 as of December 31, 2018 and 2017, respectively). Al l the deferred tax assets relate to temporary differences.  Turkey: Net deferred tax assets recognized in Turkey amounted to €278 million as of December 31, 2019 (€250 and €224 million as of December 31, 2018 and 2017 respectively). As of December 31, 2019, all the deferred tax assets correspond to €10 million of tax credits related to tax losses carry forwards and deductions and €268 million relate to temporary differences. Based on the information available as of December 31, 2019, including historical lev els of benefits and projected results available to the Group for the coming 15 years, it is considered that sufficient taxable income will be generated for the recovery of above mentioned unsecured deferred tax assets when they become deductible according to the tax laws. On the other hand, the Group has not recognized certain deductible temporary differences, negative tax bases and deductions for which, in general, there is no legal period for offsetting, amounting to approximately € 2,207 million euros, w hich are mainly originated by Catalunya Banc.

Note 20 - Other assets and liab

Note 20 - Other assets and liabilities	12 Months Ended
	Dec. 31, 2019
Other Assets and Liabilities
Disclosure of other assets and liabilities	20. Other assets and liabilities The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows: Other assets and liabilities: (Millions of Euros) 2019 2018 2017 Assets Inventories 581 635 229 Of which: Real estate 579 633 226 Transactions in progress 138 249 156 Accruals 804 702 768 Prepaid expense 573 465 509 Other prepayments and accrued income 231 237 259 Other items 2,277 3,886 3,207 Total other assets 3,800 5,472 4,359 Liabilities Transactions in progress 39 39 165 Accruals 2,456 2,558 2,490 Accrued expense 2,064 2,119 1,997 Other accrued expense and deferred income 392 439 493 Other items 1,247 1,704 1,894 Total other liabilities 3,742 4,301 4,550

Note 21 - Non-current assets an

Note 21 - Non-current assets and disposal groups classified as held for sale	12 Months Ended
	Dec. 31, 2019
Non-current assets and disposal groups classified as held for sale Abstract
Non-Current Assets and Disposal Groups Classified as Held for Sale. Breakdowm By Items	21. Non-current assets and disposal groups classified as held for sale The composition of the balance under the heading “Non-current assets and disposal groups classified as held for sale” in the accompanying consolidated balance sheets, broken down by the origi n of the assets, is as follows: Non-current assets and disposal groups classified as held for sale. Breakdown by items (Millions of Euros) 2019 2018 2017 Foreclosures and recoveries (*) 1,647 2,211 6,207 Foreclosures 1,553 2,135 6,047 Recoveries from financial leases 94 76 160 Assets from tangible assets 310 433 447 Business sale - Assets (**) 1,716 29 18,623 Accrued amortization (***) (51) (44) (77) Impairment losses (543) (628) (1,348) Total non-current assets and disposal groups classified as held for sale 3,079 2,001 23,853 (*) Corresponds mainly to the agreement with Cerberus to transfer the "Real Estate" business in Spain in 2018 (see Note 3). (**) The 2019 balance corresponds mainly to the BBVA´ s stake in BBVA Paraguay and 2017 balance corresponds mainly to the BBVA´s stake in BBVA Chile sold in 2018 (see Note 3). (***) Amortization accumulated until related asset reclassified as “non-current assets and disposal groups classified as held for sal e”. The changes in the balances of “Non-current assets and disposal groups classified as held for sale” in 2019, 2018 and 2017 are as follows: Non-current assets and disposal groups classified as held for sale. Changes in the year 2019 (Millions of Euros) Foreclosed assets From own use assets (*) Other assets (**) Total Notes Foreclosed assets through auction proceeding Recovered assets from financial leases Cost (1) Balance at the beginning 2,135 76 389 29 2,629 Additions 597 68 10 1,676 2,351 Contributions from merger transactions 2 - - - 2 Retirements (sales and other decreases) (967) (56) (206) - (1,229) Transfers, other movements and exchange differences (214) 7 65 11 (131) Balance at the end 1,553 95 258 1,716 3,622 Impairment (2) Balance at the beginning 482 22 124 - 628 Additions 50 66 6 5 - 77 Retirements (sales and other decreases) (160) (4) (22) - (186) Other movements and exchange differences (5) 4 25 - 24 Balance at the end 383 28 132 - 543 Balance at the end of net carrying value (1)-(2) 1,170 67 126 1,716 3,079 (*) Net of amortization accumulated until assets were reclassified as non-current assets classified as held for sale. (**) The variation corresponds mainly to the agreement of the sa le of BBVA Paraguay (see Note 3). Non-current assets and disposal groups classified as held for sale. Changes in the year 2018 (Millions of Euros) Foreclosed assets From own use assets (*) Other assets (**) Total Notes Foreclosed assets through auction proceeding Recovered assets from financial leases Cost (1) Balance at the beginning 6,047 160 371 18,623 25,201 Additions 637 55 4 - 696 Retirements (sales and other decreases) (4,354) (135) (227) (18,594) (23,310) Transfers, other movements and exchange differences (195) (4) 241 - 42 Balance at the end 2,135 76 389 29 2,629 Impairment (2) Balance at the beginning 1,102 52 194 - 1,348 Additions 50 195 11 2 - 208 Retirements (sales and other decreases) (793) (37) (101) - (931) Other movements and exchange differences (22) (4) 29 - 3 Balance at the end 482 22 124 - 628 Balance at the end of net carrying value (1)-(2) 1,653 54 265 29 2,001 (*) Net of amortization accumulated until assets were reclassified as non-current assets class ified as held for sale. (**) The variation corresponds mainly to the BBVA’s stake in BBVA Chile and the agreement with Cerberus to transfer the "Real Estate" business in Spain (see Note 3). Non-current assets and disposal groups classified as held for sale. Changes in the year 2017 (Millions of Euros) Foreclosed assets From own use assets (*) Other assets (**) Total Notes Foreclosed assets through auction proceeding Recovered assets from financial leases Cost (1) Balance at the beginning 4,057 168 1,065 40 5,330 Additions 791 45 1 - 837 Retirements (sales and other decreases) (1,037) (49) (131) - (1,217) Transfers, other movements and exchange differences 2,236 (4) (564) 18,583 20,251 Balance at the end 6,047 160 371 18,623 25,201 Impairment (2) Balance at the beginning 1,237 47 443 - 1,727 Additions 50 143 14 1 - 158 Retirements (sales and other decreases) (272) (7) (42) - (321) Other movements and exchange differences (6) (2) (208) - (216) Balance at the end 1,102 52 194 - 1,348 Balance at the end of net carrying value (1)-(2) 4,945 108 177 18,623 23,853 (*) Net of amortization accumulated unti l assets were reclassified as non-current assets classified as held for sale. (**) The variation corresponds mainly to the BBVA’s stake in BBVA Chile and the agreement with Cerberus to transfer the "Real Estate" business in Spain (see Note 3). As indicated in Note 2.2.4, “Non-current assets and disposal groups held for sale” and “Liabilities included in disposal groups classified as held for sale” are valued at the lower amount between its fair value less costs to sell and its book value. As of Dec ember 31, 2019, practically all of the carrying amount of the assets recorded at fair value on a non-recurring basis coincides with their fair value. Assets from foreclosures or recoveries As of December 31, 2019, 2018 and 2017, assets from foreclosures and recoveries, net of impairment losses, by nature of the asset, amounted to €871, €1,072 and €1,924 million in assets for residential use; €259, €182 and €491 million in assets for tertiary use (industrial, commercial or office) and €28 €19 and €29 million in assets for agricultural use, respectively. In December 31, 2019, 2018 and 2017, the average sale time of assets from foreclosures or recoveries was between 2 and 3 years. During the years 2019, 2018 and 2017, some of the sale transactions for these assets were financed by Group companies. The amount of loans to buyers of these assets in those years amounted to €79, €82 and €207 million, respectively; with an average financing of 27.5% of the sales price during 2019. As of December 31, 2019, 2018 and 2017, the amount of the profits arising from the sale of Group companies financed assets - and therefore not recognized in the consolidated income statement - amounted to €1 million in each financial year.

Note 22 - Financial liabilities

Note 22 - Financial liabilities at amortized cost	12 Months Ended
	Dec. 31, 2019
Financial liabilities at amortized cost Abstract
Financial liabiltiies measured at amortized cost	22. Financial liabilities at amortized cost 22.1 Breakdown of the balance The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows: Financial liabilities measured at amortized cost (Millions of Euros) 2019 2018 2017 Deposits 438,919 435,229 467,949 Deposits from central banks 25,950 27,281 37,054 Demand deposits 23 20 2,588 Time deposits 25,101 26,885 28,311 Repurchase agreements 826 375 6,155 Deposits from credit institutions 28,751 31,978 54,516 Demand deposits 7,161 8,370 3,731 Time deposits 18,896 19,015 25,941 Repurchase agreements 2,693 4,593 24,843 Customer deposits 384,219 375,970 376,379 Demand deposits 280,391 260,573 240,583 Time deposits 103,293 114,188 126,716 Repurchase agreements 535 1,209 9,079 Debt certificates 63,963 61,112 63,915 Other financial liabilities 13,758 12,844 11,850 Total 516,641 509,185 543,713 22.2 Deposits from credit institutions The breakdown by geographical area and the nature of the related instruments of this heading in the accompanying consolidated balance sheets is as follows: Deposits from credit institutions. December 2019 (Millions of Euros) Demand deposits Time deposits & other (*) Repurchase agreements Total Spain 2,104 1,113 1 3,218 The United States 2,082 4,295 - 6,377 Mexico 432 1,033 168 1,634 Turkey 302 617 4 924 South America 394 2,285 161 2,840 Rest of Europe 1,652 5,180 2,358 9,190 Rest of the world 194 4,374 - 4,568 Total 7,161 18,896 2,693 28,751 (*) Subordinated depo sits are included amounting €195 million. Deposits from credit institutions. December 2018 (Millions of Euros) Demand deposits Time deposits & other (*) Repurchase agreements Total Spain 1,981 2,527 55 4,563 The United States 1,701 2,677 - 4,379 Mexico 280 286 - 566 Turkey 651 669 4 1,323 South America 442 1,892 - 2,335 Rest of Europe 3,108 6,903 4,534 14,545 Rest of the world 207 4,061 - 4,268 Total 8,370 19,015 4,593 31,978 Deposits from credit institutions. December 2017 (Millions of Euros) Demand deposits Time deposits & other (*) Repurchase agreements Total Spain 762 3,879 878 5,518 The United States 1,563 2,398 - 3,961 Mexico 282 330 1,817 2,429 Turkey 73 836 44 953 South America 448 2,538 13 2,999 Rest of Europe 526 12,592 21,732 34,849 Rest of the world 77 3,369 360 3,806 Total 3,731 25,941 24,843 54,516 (*) Subordinated deposits are included amounting €191 million. 22.3 Customer deposits The breakdown by geographical area of this heading in the accompanying consolidated balance sheets, by type of instrument is as follows: Customer deposits. December 2019 (Millions of Euros) Demand deposits Time deposits & other (*) Repurchase agreements Total Spain 146,651 24,958 2 171,611 The United States 46,372 19,810 - 66,181 Mexico 43,326 12,714 523 56,564 Turkey 13,775 22,257 10 36,042 South America 22,748 13,913 - 36,661 Rest of Europe 6,610 8,749 - 15,360 Rest of the world 909 892 - 1,801 Total 280,391 103,293 535 384,219 (*) Subordinated deposits are included amounting to €189 million. Customer deposits. December 2018 (Millions of Euros) Demand deposits Time deposits and other (*) Repurchase agreements Total Spain 138,236 28,165 3 166,403 The United States 41,222 21,317 - 62,539 Mexico 38,383 11,837 770 50,991 Turkey 10,856 22,564 7 33,427 South America 23,811 14,159 - 37,970 Rest of Europe 7,233 14,415 429 22,077 Rest of the world 831 1,731 - 2,563 Total 260,573 114,188 1,209 375,970 (*) Subordinated deposits are included amounting to €220 million. Customer deposits. December 2017 (Millions of Euros) Demand deposits Time deposits & other (*) Repurchase agreements Total Spain 123,382 39,513 2,664 165,559 The United States 36,728 21,436 - 58,164 Mexico 36,492 11,622 4,272 52,387 Turkey 12,427 24,237 152 36,815 South America 23,710 15,053 2 38,764 Rest of Europe 6,816 13,372 1,989 22,177 Rest of the world 1,028 1,484 - 2,511 Total 240,583 126,716 9,079 376,379 (*) Subordinated deposits are included amounting to €194 million. 22.4 Debt certificates The breakdown of the balance under this heading, by financial in struments and by currency, is as follows: Debt certificates (Millions of Euros) 2019 2018 2017 In Euros 40,185 37,436 38,735 Promissory bills and notes 737 267 1,309 Non-convertible bonds and debentures 12,248 9,638 9,418 Covered bonds (*) 15,542 15,809 16,425 Hybrid financial instruments 518 814 807 Securitization bonds 1,354 1,630 2,295 Wholesale funding 1,817 142 - Subordinated liabilities 7,968 9,136 8,481 Convertible perpetual certificates 5,000 5,490 4,500 Non-convertible preferred stock 83 107 107 Other non-convertible subordinated liabilities 2,885 3,540 3,875 In foreign currencies 23,778 23,676 25,180 Promissory bills and notes 1,210 3,237 3,157 Non-convertible bonds and debentures 10,587 9,335 11,109 Covered bonds (*) 362 569 650 Hybrid financial instruments 1,156 1,455 1,809 Securitization bonds 17 38 47 Wholesale funding 780 544 - Subordinated liabilities 9,666 8,499 8,407 Convertible perpetual certificates 1,782 873 2,085 Non-convertible preferred stock 76 74 55 Other non-convertible subordinated liabilities 7,808 7,552 6,268 Total 63,963 61,112 63,915 (*) Including mortgag e-covered bonds . As of December 31, 2019, 71% of “Debt certificates” have fixed-interest rates and 29% have variable interest rates. Most of the foreign currency issues are denominated in U.S. dollars. 22.4.1 Subordinated liabilities The breakdown of this heading, is as follows: Memorandum item: Subordinated liabilities at amortized cost 2019 2018 2017 Subordinated deposits 384 411 427 Subordinated certificates 17,635 17,635 16,889 Preferred stock 159 181 161 Compound convertible financial instruments 6,782 6,363 6,585 Other non-convertible subordinated liabilities (*) 10,693 11,092 10,143 Total 18,018 18,047 17,316 (*) The €40 million subordinated issuances of BBVA Paraguay as of December 2019 are recorded in the heading "Liabilities included in disposal groups classified as held for sale". The issuances of BBVA International Preferred, S.A.U., BBVA Global Finance, Ltd., Caixa Terrassa Societat de Participacions Preferents, S.A.U. and CaixaSabadell Preferents, S.A.U., are jointly, severally and irrevocably guaranteed by the Bank. The balance variances are mainly due to the following transactions: Convertible perpetual liabilities The AGM held on March 17, 2017, resolved, under agenda item five, to confer author ity to the Board of Directors to issue securities convertible into newly issued BBVA shares, on one or several occasions, within the maximum term of five years to be counted from the approval date of the authorization, up to a maximum overall amount of €8 billion or its equivalent in any other currency. Likewise, the AGM resolved to confer to the Board of Directors the authority to totally or partially exclude shareholders’ pre-emptive subscription rights within the framework of a specific issue of converti ble securities, although this power was limited to enable the nominal amount of the capital increases resolved or effectively carried out to cover the conversion of mandatory convertible issuances made under this authority (without prejudice to anti-diluti on adjustments), with exclusion of pre-emptive subscription rights and of those likewise resolved or carried out with exclusion of pre-emptive subscription rights in use of the authority to increase the share capital conferred by the AGM held on March 17, 2017, under agenda item four, do not exceed the maximum nominal amount, overall, of 20% of the share capital of BBVA at the time of the authorization, this limit not being applicable to contingent convertible issues. Under that delegation, BBVA made the fo llowing issuances that qualify as additional tier 1 capital of the Bank and the Group in accordance with Regulation (EU) 575/2013:  In May and November 2017, BBVA carried out both issuances of perpetual contingent convertible securities (additional tier 1 i nstrument), with exclusion of pre-emptive subscription rights of shareholders, for a total nominal amount of €500 million and $1,000 million, respectively. These issuances are listed in the Global Exchange Market of Euronext Dublin and were targeted only a t qualified investors and foreign private banking clients, not being offered to, and not being subscribed for, in Spain or by Spanish residents.  In September 2018 and March 2019, BBVA carried out both issuances of perpetual contingent convertible securitie s (additional tier 1 instrument), with exclusion of pre-emptive subscription rights of shareholders, for a total nominal amount of €1,000 million each. These issuances are listed in the AIAF Fixed Income Securities Market and were targeted only at professi onal clients and eligible counterparties, and not being offered or sold to any retail clients.  On September 5, 2019, BBVA carried out an issuance of perpetual contingent convertible securities (additional tier 1 instrument), with exclusion of pre-emptive s ubscription rights of shareholders, for a total nominal amount of $1,000 million. This issuance is listed in the Global Exchange Market of Euronext Dublin and was targeted only at qualified investors, not being offered to, and not being subscribed for, in Spain or by Spanish residents. Additionally, other issuances:  The additional issuances of perpetual contingent convertible securities (additional tier 1 instruments) with exclusion of pre-emptive subscription rights of shareholders were carried out, by vir tue of other delegations conferred by the AGM, in February 2015 for an amount of €1.5 billion and in April 2016 for an amount of €1 billion. These issuances were targeted only at qualified investors and foreign private banking clients not being offered to, and not being subscribed for, in Spain or by Spanish residents. These issuances are listed in the Global Exchange Market of Euronext Dublin and qualify as additional tier 1 capital of the Bank and the Group in accordance with Regulation (EU) 575/2013 . The se perpetual securities will be converted into newly issued ordinary shares of BBVA if the CET 1 ratio of the Bank or the Group is less than 5.125%, in accordance with their respective terms and conditions. These issues may be fully redeemed at BBVA´s opti on only in the cases contemplated in their respective terms and conditions, and in any case, in accordance with the provisions of the applicable legislation. In particular:  On May 9, 2018, the Bank early redeemed the issuance of preferred securities contin gently convertible (additional tier 1 instrument) carried out by the Bank on May 9, 2013, for an amount of USD1.5 billion on the First Reset Date of the issuance and once the prior consent from the Regulator was obtained.  On February 19, 2019 the Bank ear ly redeemed the issuance of preferred securities contingently convertible (additional tier 1 instrument), carried out by the Bank on February 19, 2014, for a total amount of €1,5 billion and once the prior consent from the Regulator has been obtained.  Addi tionally, on December 23, 2019, the Bank has notified its irrevocable decision to early redeem next February 18, 2020 the issuance of preferred securities contingently convertible (additional tier 1 instrument), carried out by the Bank on February 18, 2015 , for a total amount of €1,5 billion and once the prior consent from the Regulator has been obtained. Preferred securities The breakdown by issuer of the balance under this heading in the accompanying consolidated balance sheets is as follows: Preferred securities by issuer (Millions of Euros) 2019 2018 2017 BBVA International Preferred, S.A.U. (1) 37 35 36 Unnim Group (2) 83 98 98 BBVA USA 19 19 19 BBVA Colombia 20 19 1 Other - 9 9 Total 159 181 163 (1) Listed on the London stock exchange. (2) Unnim Group: Issuances prior to the acquisition by BBVA. These issuances were fully subscribed at the moment of the issue by qualified/institutional investors outside the Group and are redeemable, totally or partially, at the issuer’s option after five years from the issue date, depending on the terms of each issuance and with the prior consent from the Bank of Spain or the relevant authority. Redemption of preferred securities BBVA International Preferred, S.A.U. carried out the early redemption in full of its Series B preferred securities on March 20, 2017, for an outstanding amount of €164,350,000; on March 22, 2017, the early redemption in full of its Series A preferred securitie s for an outstanding amount of €85,550,000; and on April 18, 2017 the early redemption in full of its Series C preferred securities for an outstanding amount of USD 600,000,000, once the prior consent was obtained. 22.5 Other financial liabilities The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows: Other financial liabilities (Millions of Euros) 2019 2018 2017 Lease liabilities (*) 3,335 Creditors for other financial liabilities 2,623 2,891 2,835 Collection accounts 3,306 4,305 3,452 Creditors for other payment obligations 4,494 5,648 5,563 Total 13,758 12,844 11,850 (*) Lease liabilities are recognized after the implementation of IFRS 16 (see Note 2.1). A breakdown of the maturit y of the lease liabilities, due after December 31, 2019 is provided below: Maturity of future payment obligations (Millions of Euros) Up to 1 year 1 to 3 years 3 to 5 years Over 5 years Total Leases 269 500 535 2,031 3,335

Note 23 - Assets and Liabilitie

Note 23 - Assets and Liabilities under reinsurance and insurance contracts	12 Months Ended
	Dec. 31, 2019
Assets and Liabilities Under reinsurance and insurance contracts
Assets and Liabilities Under Reinsurance and Insurance Contracts	23. Assets and liabilities under insurance and reinsurance contracts The Group has insurance subsidiaries mainly in Spain and Latin America (mostly in Mexico). The main product offered by the insurance subsidiaries is life insurance to cover the risk of death (risk insurance) and life-savings insurance. Within life and accident insurance, a distinction is made between freely sold products and those offered to customers who have taken mortgage or consumer loans, which cover the principal of those loans in the event of the customer’s death. There are two types of savings products: individual insurance, which seeks to provide the customer with savings for retirement or other events, and group insurance, which is taken ou t by employers to cover their commitments to their employees. The insurance business is affected by different risks, including those that are related to the BBVA Group such as credit risk, market risk, liquidity risk and operational risk and the methodolog y for risk measurement applied in the insurance activity is similar (see Note 7), although it has a differentiated management due to the particular characteristics of the insurance business, such as the coverage of contracted obligations and the long term of the commitments. Additionally, the insurance business generates certain specific risks, of a probabilistic nature:  Technical risk: arises from deviations in the estimation of the casualty rate of insurances, either in terms of numbers, the amount of suc h claims and the timing of its occurrence.  Biometric risk: depending on the deviations in the expected mortality behavior or the survival of the insured persons. The insurance industry is highly regulated in each country. In this regard, it should be noted that the insurance industry is undergoing a gradual regulatory transformation through new risk-based capital regulations, which have already been published in several countries. The heading “Assets under reinsurance and insurance contracts” in the accompa nying consolidated balance sheets includes the amounts that the consolidated insurance entities are entitled to receive under the reinsurance contracts entered into by them with third parties and, more specifically, the share of the reinsurer in the techni cal provisions recognized by the consolidated insurance subsidiaries. As of December 31, 2019, 2018 and 2017, the balance under this heading amounted to €341, €366 million and €421 million respectively. The most significant provisions recognized by consoli dated insurance subsidiaries with respect to insurance policies issued by them are under the heading “Liabilities under insurance and reinsurance contracts” in the accompanying consolidated balance sheets. The breakdown of the balance under this heading is as follows: Technical reserves (Millions of Euros) 2019 2018 2017 Mathematical reserves 9,247 8,504 7,961 Individual life insurance (1) 6,731 6,201 5,359 Savings 5,906 5,180 4,392 Risk 825 1,021 967 Group insurance (2) 2,517 2,303 2,601 Savings 2,334 2,210 2,455 Risk 182 93 147 Provision for unpaid claims reported 641 662 631 Provisions for unexpired risks and other provisions 718 668 631 Total 10,606 9,834 9,223 (1) Provides coverage in the event of death or disability. (2) The insurance policies purchased by employers (other than BBVA Group) on behalf of its employees The cash flows of those “Liabilities under insurance and reinsurance contracts” are shown below: Maturity (Millions of euros). Liabilities under insurance and reinsurance contracts Up to 1 year 1 to 3 years 3 to 5 years Over 5 years Total 2019 1,571 1,197 1,806 6,032 10,606 2018 1,686 1,041 1,822 5,285 9,834 2017 1,560 1,119 1,502 5,042 9,223 The modeling methods and techniques used to calculate the mathematical reserves for the insurance products are actuarial and financial methods and modeling techniques approved by the respective country’s insurance regulator or supervisor. The most important insurance entities are located in Spain and Mexico (which together account for approximately 85% of the insurance revenues), where the modeling methods and techniques are reviewed by the insu rance regulator in Spain (General Directorate of Insurance) and Mexico (National Insurance and Bonding Commission), respectively. The modeling methods and techniques used to calculate the mathematical reserves for the insurance products are compliant with IFRS and primarily involve the valuation of the estimated future cash flows, discounted at the technical interest rate for each policy. To support this technical interest rate, asset-liability management is carried out, acquiring a portfolio of securities that generate the cash flows needed to cover the payment commitments assumed with the customers. The table below shows the key assumptions as of December 31, 2019, used in the calculation of the mathematical reserves for insurance products in Spain and Mex ico, respectively: Mathematical reserves Mortality table Average technical interest type Spain Mexico Spain Mexico Individual life insurance (1) GRMF 80-2, GKMF 80/95. PASEM, PERMF 2000 Tables of the Comisión Nacional de Seguros y Fianzas 2000-individual 0.25% -2.91% 2.50% Group insurance(2) PERMF 2000 Tables of the Comisión Nacional de Seguros y Fianzas 2000-grupo Depending on the related portfolio 5.50% (1) Provides coverage in the case of one or more of the following events: death and disability. (2) Insurance policies purchased by companies (other than Group BBVA entities) on behalf of their employees.

Note 24 - Provisions

Note 24 - Provisions	12 Months Ended
	Dec. 31, 2019
Provisions or reversal of provisions Abstract
Disclosure of Provisions	24. Provisions The breakdown of the balance under this heading in the accompanying consolidated balance sheets, based on type of provisions, is as follows: Provisions. Breakdown by concepts (Millions of Euros) Notes 2019 2018 2017 Provisions for pensions and similar obligations 25 4,631 4,787 5,407 Other long term employee benefits 25 61 62 67 Provisions for taxes and other legal contingencies 677 686 756 Provisions for contingent risks and commitments 711 636 578 Other provisions (*) 457 601 669 Total 6,538 6,772 7,477 (*) Individually insignificant provisions or contingencies, for various concepts in different geographies. The change in provisions for pensions and similar obligations for the years ended December 31, 2019, 2018, and 2017 is as follows: Provisions for pensions and similar obligations. Changes over the year (Millions of Euros) Notes 2019 2018 2017 Balance at the beginning 4,787 5,407 6,025 Add Charges to income for the year 330 126 391 Interest expense and similar charges 65 78 71 Personnel expense 44.1 50 58 62 Provision expense 215 (10) 258 Charges to equity (1) 25 329 41 140 Transfers and other changes (32) 95 (264) Less Benefit payments 25 (718) (779) (861) Employer contributions 25 (65) (103) (25) Balance at the end 4,631 4,787 5,407 (1) Correspond to actuarial losses (gains) arising from certain defined-benefit post-employment pension commitments and other similar benefits recognized in “Equity” (see Note 2.2.12). Provisions for taxes, legal contingencies and other provisions. Changes over the year (Millions of Euros) 2019 2018 2017 Balance at beginning 1,286 1,425 2,028 Additions 396 455 868 Unused amounts reversed during the year (96) (184) (164) Amount used and other variations (453) (410) (1,306) Balance at the end 1,134 1,286 1,425 Ongoing legal proceedings and litigation The financial sector faces an environment of increasing regulat ory and litigious pressure. In this environment, the different Group’s entities are often parties to individual or collective legal proceedings arising from the ordinary activity of their businesses. In accordance with the procedural status of these procee dings and according to the criteria of the attorneys who manage them, BBVA considers that none of them is material, individually or in aggregate, and that no significant impact derives from them neither in the results of operations nor on liquidity, nor in the financial position at a consolidated level of the Group, as at the level of the standalone Bank. The Group Management considers that the provisions made in connection with these legal proceedings are adequate. As mentioned in Note 7.5 Legal risk factors, the Group is subject or may be subject in the future to a series of legal and regulatory investigations, procedures and actions which, in case of a negative result, could have an adverse impact on the business, the financial situation and the resu lts of the Group.

Note 25 - Post-employment and o

Note 25 - Post-employment and other employee benefit commitments	12 Months Ended
	Dec. 31, 2019
Post-employment and other employee benefit commitments
Post-Employment and other employee benefit commitments	25. Post-employment and other employee benefit commitments As stated in Note 2.2.12, the Group has assumed commitments with employees including short-term employee benefits (see Note 44.1), defined contribution and defined benefit plans (see Glossary), healthcare and other long-term employee benefits. The Group sponsors defined-contribution plans for the majority of its active employees with the plans in Spain and Mexico being the most significant. Most defined benefit plans are closed to new employees w ith liabilities relating largely to retired employees, the most significant being those in Spain, Mexico, the United States and Turkey. In Mexico, the Group provides medical benefits to a closed group of employees and their family members, both active serv ice and in retirees. The breakdown of the net defined benefit liability recorded on the balance sheet as of December 31, 2019, 2018 and 2017 is provided below: Net defined benefit liability (asset) on the consolidated balance sheet (Millions of Euros) 2019 2018 2017 Pension commitments 5,050 4,678 4,969 Early retirement commitments 1,486 1,793 2,210 Medical benefits commitments 1,580 1,114 1,204 Other long term employee benefits 61 62 67 Total commitments 8,177 7,647 8,451 Pension plan assets 1,961 1,694 1,892 Medical benefit plan assets 1,532 1,146 1,114 Total plan assets (1) 3,493 2,840 3,006 Total net liability / asset 4,684 4,807 5,445 Of which: Net asset on the consolidated balance sheet (2) (8) (41) (27) Of which: +Net liability on the consolidated balance sheet for provisions for pensions and similar obligations (3) 4,631 4,787 5,407 Of which: Net liability on the consolidated balance sheet for other long term employee benefits (4) 61 62 67 (1) In Turkey, the foundation responsible for managing the benefit comm itments holds an additional asset of €252 million as of December 31, 2019 which, in accordance with IFRS regarding the asset ceiling, has not been recognized in the Consolidated Financial Statements, because although it could be used to reduce future pensi on contributions it could not be immediately refunded to the employer. (2) Recorded under the heading “Other Assets - Other” of the consolidated balance sheet (see Note 20). (3) Recorded under the heading “Provisions - Provisions for pensions and simil ar obligations” of the consolidated balance sheet (see Note 24). (4) Recorded under the heading “Provisions – Other long-term employee benefits” of the consolidated balance sheet (see Note 24). The amounts relating to benefit commitments charged to cons olidated income statement for the years 2019, 2018 and 2017 are as follows: Consolidated income statement impact (Millions of Euros) Notes 2019 2018 2017 Interest and similar expense 65 78 71 Interest expense 307 295 294 Interest income (242) (217) (223) Personnel expense 163 147 149 Defined contribution plan expense 44.1 113 89 87 Defined benefit plan expense 44.1 50 58 62 Provisions (net) 46 214 125 343 Early retirement expense 190 141 227 Past service cost expense 18 (33) 3 Remeasurements (*) 7 (10) 31 Other provision expense (2) 28 82 Total impact on consolidated income statement: debit (credit) 441 350 563 (*) Actuarial losses (gains) on remeasurement of the net defined benefit liability relating to early retirements in Spain and other long-term employee bene fits that are charged to the income statements (see Note 2.2.12). The amounts relating to post-employment benefits charged to the consolidated balance sheet correspond to the actuarial gains (losses) on remeasurement of the net defined benefit liability relating to pension and medical commitments before income taxes. As of December 31, 2019, 2018 and 2017 are as follows: Equity impact (Millions of Euros) 2019 2018 2017 Defined benefit plans 254 81 (40) Post-employment medical benefits 74 (47) 179 Total impact on equity: debit (credit) 329 34 140 25.1 Defined benefit plans Defined benefit commitments relate mainly to employees who have already retired or taken early retirement, certain closed groups of active employees still accruing defined benefit pensions, and in-service death and disability benefits provided to most active employees. For the latter, the Group pays the required premiums to fully insure the related liability. The change in these pension commitments during the years ended December 31, 2019, 2018 and 2017 is presented below: Defined benefits (Millions of Euros) 2019 2018 2017 Defined benefit obligation Plan assets Net liability (asset) Defined benefit obligation Plan assets Net liability (asset) Defined benefit obligation Plan assets Net liability (asset) Balance at the beginning 7,585 2,839 4,746 8,384 3,006 5,378 8,851 3,022 5,829 Current service cost 53 - 53 61 - 61 64 - 64 Interest income/expense 304 242 62 292 217 76 290 223 68 Contributions by plan participants 4 4 - 4 3 1 4 4 - Employer contributions - 65 (65) - 103 (103) - 25 (25) Past service costs (1) 210 - 210 109 - 109 231 - 231 Remeasurements: 783 454 329 (263) (286) 21 331 161 171 Return on plan assets (2) - 454 (454) - (286) 286 - 161 (161) From changes in demographic assumptions (15) - (15) 14 - 14 100 - 100 From changes in financial assumptions 688 - 688 (274) - (274) 220 - 220 Other actuarial gain and losses 110 - 110 (3) - (3) 12 - 12 Benefit payments (905) (187) (718) (979) (200) (779) (1,029) (169) (861) Effect on changes in foreign exchange rates 63 69 (6) (31) (9) (22) (278) (258) (19) Conversions to defined contributions - - - - - - (82) - (82) Other effects 19 6 13 10 6 4 (1) (1) - Balance at the end 8,116 3,493 4,623 7,585 2,840 4,745 8,384 3,006 5,378 Of which: Spain 4,592 266 4,326 4,807 260 4,547 5,442 320 5,122 Of which: Mexico 2,231 2,124 107 1,615 1,587 28 1,661 1,602 60 Of which: The United States 375 323 52 326 287 39 360 309 51 Of which: Turkey 444 359 86 422 339 83 520 424 96 (1) Including gains and losses arising from settlements. (2) Excluding interest, which is recorded under "Interest income or expense". The balance under the heading “Provisions - Pensions and other post-employment defined benefit obligations” of the accompanying consolidated balance sheet as of December 31, 2019 includes €351 million relatin g to post-employment benefit commitments to former members of the Board of Directors and the Bank’s Management (see Note 54). The most significant commitments are those in Spain and Mexico and, to a lesser extent, in the United States and Turkey. The remai ning commitments are located mostly in Portugal and South America. Unless otherwise required by local regulation, all defined benefit plans have been closed to new entrants, who instead are able to participate in the Group´s defined contribution plans. Bot h the costs and the present value of the commitments are determined by independent qualified actuaries using the “projected unit credit” method. In order to enable the good governance of these plans, the Group has established specific benefits committees. These benefit committees include members from the different areas of the business to assist that all decisions are made taking into consideration all of the associated impacts. The following table sets out the key actuarial assumptions used in the valuatio n of these commitments as of December 31, 2019, 2018 and 2017: Actuarial assumptions (Millions of Euros) 2019 2018 2017 Spain Mexico The United States Turkey Spain Mexico The United States Turkey Spain Mexico The United States Turkey Discount rate 0.68% 9.04% 3.24% 12.50% 1.28% 10.45% 4.23% 16.30% 1.24% 9.48% 3.57% 11.60% Rate of salary increase - 4.75% - 9.70% - 4.75% - 14.00% - 4.75% - 9.90% Rate of pension increase - 2.47% - 8.20% - 2.51% - 12.50% - 2.13% - 8.40% Medical cost trend rate - 7.00% - 12.40% - 7.00% - 16.70% - 7.00% - 12.60% Mortality tables PERM/F 2000P EMSSA09 RP 2014 CSO2001 PERM/F 2000P EMSSA09 RP 2014 CSO2001 PERM/F 2000P EMSSA09 RP 2014 CSO2001 In Spain, the discount rate shown as of December, 31, 2019, corresponds to the weighted average rate, the actual discount rates used are 0% and 1% depending on the type o f commitment. Discount rates used to value future benefit cash flows have been determined by reference to high quality corporate bonds (Note 2.2.12) denominated in Euro in the case of Spain, Mexican peso for Mexico and USD for the United States, and govern ment bonds denominated in Turkish Lira for Turkey. The expected return on plan assets has been set in line with the adopted discount rate. Assumed retirement ages have been set by reference to the earliest age at which employees are entitled to retire, the contractually agreed age in the case of early retirements in Spain or by using retirement rates. Changes in the main actuarial assumptions may affect the valuation of the commitments. The table below shows the sensitivity of the benefit obligations to cha nges in the key assumptions: Sensitivity analysis (Millions of Euros) Basis points change 2019 2018 Increase Decrease Increase Decrease Discount rate 50 (367) 405 (298) 332 Rate of salary increase 50 3 (3) 3 (3) Rate of pension increase 50 27 (26) 19 (18) Medical cost trend rate 100 338 (266) 229 (181) Change in obligation from each additional year of longevity - 137 - 108 - The sensitivities provided above have been determined at the date of these consolidated financial statements, and reflect solely the impact of changing one individual assumption at a time, keeping th e rest of the assumptions unchanged, thereby excluding the effects which may result from combined assumption changes. In addition to the commitments to employees shown above, the Group has other less material long-term employee benefits. These include long -service awards, which consist of either an established monetary award or some vacation days granted to certain groups of employees when they complete a given number of years of service. As of December 31, 2019, 2018 and 2017, the actuarial liabilities for the outstanding awards amounted to €61, €62 million and €67 million, respectively. These commitments are recorded under the heading "Provisions - Other long-term employee benefits" of the accompanying consolidated balance sheet (see Note 24). 25.1.1 Pos t-employment commitments and similar obligations These commitments relate mostly to pension payments, and which have been determined based on salary and years of service. For most plans, pension payments are due on retirement, death and long term disabilit y. In addition, during the year 2019, Group entities in Spain offered certain employees the option to take retirement or early retirement (that is, earlier than the age stipulated in the collective labor agreement in force). This offer was accepted by 616 employees (489 and 731 during years 2018 and 2017, respectively). These commitments include the compensation and indemnities due as well as the contributions payable to external pension funds during the early retirement period. As of December 31, 2019, 201 8 and 2017, the value of these commitments amounted to €1,486, €1,793 million and €2,210 million, respectively. The change in the benefit plan obligations and plan assets during the year ended December 31, 2019 was as follows: Post-employment commitments 2019 (Millions of Euros) Defined benefit obligation Spain Mexico The United States Turkey Rest of the world Balance at the beginning 4,807 512 326 422 402 Current service cost 4 4 1 20 3 Interest income or expense 45 53 14 64 11 Contributions by plan participants - - - 3 1 Past service costs (1) 190 15 - 3 2 Remeasurements: 298 99 44 (3) 49 From changes in demographic assumptions - - - (13) (2) From changes in financial assumptions 239 87 42 (41) 52 Other actuarial gain and losses 59 12 2 51 (1) Benefit payments (766) (50) (15) (21) (14) Effect on changes in foreign exchange rates - 32 6 (44) 1 Other effects 14 - (1) - 6 Balance at the end 4,592 664 375 444 460 Of which: Vested benefit obligation relating to current employees 86 - - - - Of which: Vested benefit obligation relating to retired employees 4506 - - - - Post-employment commitments 2019 (Millions of Euros) Plan assets Spain Mexico The United States Turkey Rest of the world Balance at the beginning 260 441 287 339 366 Interest income or expense 3 44 12 53 8 Contributions by plan participants - - - 3 1 Employer contributions - 47 3 14 1 Remeasurements: 67 90 28 (5) 50 Return on plan assets (2) 67 90 28 (5) 50 Benefit payments (64) (50) (13) (10) (11) Business combinations and disposals - (7) - - - Effect on changes in foreign exchange rates - 27 6 (34) - Other effects - - - - 6 Balance at the end 266 592 323 359 422 (1) Including gains and losses arising from settlements. (2) Excluding interest, which is recorded under "Interest income or expense". Post-employment commitments 2019 (Millions of euros) Net liability (asset) Spain Mexico The United States Turkey Rest of the world Balance at the beginning 4,547 71 39 83 36 Current service cost 4 4 1 20 3 Interest income or expense 42 9 2 11 3 Employer contributions - (47) (3) (14) (1) Past service costs (1) 190 15 - 3 2 Remeasurements: 231 9 16 2 (1) Return on plan assets (2) (67) (90) (28) 5 (50) From changes in demographic assumptions - - - (13) (2) From changes in financial assumptions 239 87 42 (41) 52 Other actuarial gain and losses 59 12 2 51 (1) Benefit payments (702) (1) (2) (11) (3) Business combinations and disposals - 7 - - - Effect on changes in foreign exchange rates - 5 - (9) 1 Other effects 14 - (1) - - Balance at the end 4,326 72 52 86 38 (1) Including gains and losses arising from settlements. (2 ) Excluding interest, which is recorded under "Interest income or expense". The change in net liabilities (assets) during the years ended 2018 and 2017 was as follows: Post-employment commitments (Millions of Euros) 2018: Net liability (asset) 2017: Net liability (asset) Spain Mexico The United States Turkey Rest of the world Spain Mexico The United States Turkey Rest of the world Balance at the beginning 5,122 (18) 51 96 36 5,799 (59) 46 99 43 Current service cost 4 5 - 21 4 4 5 3 21 5 Interest income or expense 59 (2) 2 8 2 73 (6) 1 9 2 Contributions by plan participants - - - - 1 - - - - - Employer contributions - - (2) (13) (18) - (1) - (16) (8) Past service costs (1) 148 (1) - 2 2 235 1 - 4 3 Remeasurements: (28) 88 (11) 3 14 (67) 38 9 12 (1) Return on plan assets (2) 4 70 17 21 11 (21) (10) (11) (101) 2 From changes in demographic assumptions - - (1) - 15 - 22 (2) - (3) From changes in financial assumptions - (9) (28) (45) (12) (33) 18 22 81 4 Other actuarial gain and losses (32) 27 1 29 - (13) 7 - 32 (4) Benefit payments (763) - (2) (11) (3) (842) (1) (2) (11) (3) Effect on changes in foreign exchange rates - (1) 2 (26) (1) - 5 (5) (21) (5) Conversions to defined contributions - - - - - (82) - - - - Other effects 5 - (1) - - 2 - (1) - (1) Balance at the end 4,547 71 39 83 36 5,122 (18) 51 96 36 (1) Includes gains and losses from settlements. (2) Excludes interest which is reflected in the line item “Interest income and expense”. In Spain, local regulation requires that pension and death benefit commitments must be funded, either through a qualified pension plan or an insurance contract. In the Spanish entities these commitments are covered by insurance contracts which meet the requirements of the accounting standard regarding the non-recoverability of contributions. However, a significant number of the insurance contracts are with BBVA Seguros, S.A. – a consolidated subsidiary and related party – and consequently these policies cannot be considered plan assets under IAS 19. For this reason, the liabilities insured under these policies are fully recognized under the heading "Provisions – Pensions and other postemployment defined benefit obligations" of the accompanying consolidated balance sheet (see Note 24), while the related assets held by the insurance company are included within the Group´s consolidated assets (recorded according to the classi fication of the corresponding financial instruments). As of December 31, 2019 the value of these separate assets was €2,620 million, (€2,543 and €2,689 million as of December 31, 2018 and 2017, respectively) representing direct rights of the insured employ ees held in the consolidated balance sheet, hence these benefits are effectively fully funded. On the other hand, some pension commitments have been funded through insurance contracts with insurance companies not related to the Group. In this case the acco mpanying consolidated balance sheet reflects the value of the obligations net of the fair value of the qualifying insurance policies. As of December 31, 2019, 2018 and 2017, the value of the aforementioned insurance policies (€266, €260 and €320 million, r espectively) exactly match the value of the corresponding obligations and therefore no amount for this item has been recorded in the accompanying consolidated balance sheet. Pensions benefits are paid by the insurance companies with whom BBVA has insurance contracts and to whom all insurance premiums have been paid. The premiums are determined by the insurance companies using “cash flow matching” techniques to enable that benefits can be met when due, enabling both the actuarial and interest rate risk. In M exico, there is a defined benefit plan for employees hired prior to 2001. Other employees participate in a defined contribution plan. External funds/trusts have been constituted locally to meet benefit payments as required by local regulation. In the Unite d States there are two defined benefit plans, closed to new employees, who instead are able to join a defined contribution plan. External funds/trusts have been constituted locally to fund the plans, as required by local regulation. In 2008, the Turkish go vernment passed a law to unify the different existing pension systems under a single umbrella Social Security system. Such system provides for the transfer of the various previously established funds. The financial sector is in this stage at present, maint aining these pension commitments managed by external pension funds (foundations) established for that purpose. The foundation that maintains the assets and liabilities relating to employees of Garanti in Turkey, as per the local regulatory requirements, ha s registered an obligation amounting to €286 million as of December 31, 2019 pending future transfer to the Social Security system. Furthermore, Garanti has set up a defined benefit pension plan for employees, additional to the social security benefits, re flected in the consolidated balance sheet. 25.1.2 Medical benefit commitments The change in defined benefit obligations and plan assets during the years 2019, 2018 and 2017 was as follows: Medical benefits commitments 2019 2018 2017 Defined benefit obligation Plan assets Net liability (asset) Defined benefit obligation Plan assets Net liability (asset) Defined benefit obligation Plan assets Net liability (asset) Balance at the beginning 1,114 1,146 (32) 1,204 1,114 91 1,015 1,113 (98) Current service cost 21 - 21 27 - 27 26 - 26 Interest income or expense 119 123 (4) 116 109 8 101 112 (11) Employer contributions - - - - 71 (71) - - - Past service costs (1) - - - (42) - (42) (11) - (11) Remeasurements: 298 224 74 (210) (164) (47) 200 21 179 Return on plan assets (2) - 224 (224) - (164) 164 - 21 (21) From changes in demographic assumptions - - - - - - 83 - 83 From changes in financial assumptions 311 - 311 (182) - (182) 128 - 128 Other actuarial gain and losses (13) - (13) (28) - (28) (10) - (10) Benefit payments (39) (39) (1) (34) (33) (1) (35) (33) (2) Business combinations and disposals - 7 (7) - - - - - - Effect on changes in foreign exchange rates 68 71 (2) 62 59 3 (92) (100) 8 Other effects (1) - (1) (9) (9) - - - - Balance at the end 1,580 1,532 48 1,114 1,146 (32) 1,204 1,114 91 (1) Including gains and losses arising from settlements. (2) Excluding interest, which is recorded under "Interest income or expense". In Mexico, there is a medical benefit plan for employees hired prior to 2007. New employees from 2007 are covered by a medical insurance policy. An ex ternal trust has been constituted locally to fund the plan, in accordance with local legislation and Group policy. In Turkey, employees are currently provided with medical benefits through a foundation in collaboration with the Social Security system, alth ough local legislation prescribes the future unification of this and similar systems into the general Social Security system itself. The valuation of these benefits and their accounting treatment follow the same methodology as that employed in the valuatio n of pension commitments. 25.1.3 Estimated benefit payments As of December 31, 2019, the estimated benefit payments over the next ten years for all the entities in Spain, Mexico, the United States and Turkey are as follows: Estimated benefit payments (Millions of Euros) 2020 2021 2022 2023 2024 2025-2029 Commitments in Spain 621 544 449 360 288 903 Commitments in Mexico 106 110 117 125 132 808 Commitments in the United States 17 18 19 19 20 107 Commitments in Turkey 20 22 18 22 25 200 Total 764 694 603 526 465 2,018 25.1.4 Plan assets The majority of the Group´s defined benefit plans are funded by plan assets held in external funds/trusts legally separate from the Group sponsoring entity. However, in accordance with local regulation, some commitments are not externally fu nded and covered through internally held provisions, principally those relating to early retirements. Plan assets are those assets which will be used to directly settle the assumed commitments and which meet the following conditions: they are not part of t he Group sponsoring entities assets, they are available only to pay post-employment benefits and they cannot be returned to the Group sponsoring entity. To manage the assets associated with defined benefit plans, BBVA Group has established investment polic ies designed according to criteria of prudence and minimizing the financial risks associated with plan assets. The investment policy consists of investing in a low risk and diversified portfolio of assets with maturities consistent with the term of the ben efit obligation and which, together with contributions made to the plan, will be sufficient to meet benefit payments when due, thus mitigating the plans‘ risks. In those countries where plan assets are held in pension funds or trusts, the investment policy is developed consistently with local regulation. When selecting specific assets, current market conditions, the risk profile of the assets and their future market outlook are all taken into consideration. In all the cases, the selection of assets takes in to consideration the term of the benefit obligations as well as short-term liquidity requirements. The risks associated with these commitments are those which give rise to a deficit in the plan assets. A deficit could arise from factors such as a fall in t he market value of plan assets, an increase in long-term interest rates leading to a decrease in the fair value of fixed income securities, or a deterioration of the economy resulting in more write-downs and credit rating downgrades. The table below shows the allocation of plan assets of the main companies of the BBVA Group as of December 31, 2019, 2018 and 2017: Plan assets breakdown (Millions of Euros) 2019 2018 2017 Cash or cash equivalents 56 26 68 Debt securities (government bonds) 2,668 2,080 2,178 Property - - 1 Mutual funds 2 2 1 Insurance contracts 142 132 4 Other investments - - 10 Total 2,869 2,241 2,261 Of which: Bank account in BBVA 4 3 5 Of which: Debt securities issued by BBVA - - 3 In addition to the above there are plan assets relating to the previously mentioned insurance contracts in Spain and the fo undation in Turkey. The following table provides details of investments in listed securities (Level 1) as of December 31, 2019, 2018 and 2017: Investments in listed markets 2019 2018 2017 Cash or cash equivalents 56 26 68 Debt securities (Government bonds) 2,668 2,080 2,178 Mutual funds 2 2 1 Total 2,727 2,109 2,247 Of which: Bank account in BBVA 4 3 5 Of which: Debt securities issued by BBVA - - 3 The remainders of the assets are mainly invested in Level 2 assets in in accordance with the classification established under IFRS 13 (mainly insurance contracts). As of December 31, 2019, almost all of the assets related to employee commitments corresponded to fixed income securities. 25.2 Defined contribution plans Certain Group entities sponsor defined contribution plans. Some of these plans allow employees to make contributions which are then matched by the employer. Contributions are recognized as and when they are accrued, with a charge to the consolidated income statement in the corresponding year. No liability is therefore recognized in the accompanying consolidated balance sheet (see Note 44.1).

Note 26 - Common Stock

Note 26 - Common Stock	12 Months Ended
	Dec. 31, 2019
Common Stock
Disclosure Of Common Stock	26. Common stock As of December 31, 2019, 2018 and 2017, BBVA’s common stock amounted to € 3,267,264,424.20 divided into 6,667,886,580 fully subscribed and paid-up registered shares, all of the same class and series, at €0.49 par value each, represented through book-entries. All of the Bank shares carry the same voting and dividend rights, and no single stockho lder enjoys special voting rights. Each and every share is part of the Bank’s common stock. The Bank’s shares are traded on the stock markets of Madrid, Barcelona, Bilbao and Valencia through the Sistema de Interconexión Bursátil Español (Mercado Continuo) , as well as on the London and Mexico stock markets. BBVA American Depositary Shares (ADSs) traded on the New York Stock Exchange. Additionally, as of December 31, 2019, the shares of Banco BBVA Peru, S.A.; Banco Provincial, S.A.; Banco BBVA Colombia, S.A. ; Banco BBVA Argentina, S.A. and Garanti BBVA A.S., were listed on their respective local stock markets. Banco BBVA Argentina, S.A. was also quoted in the Latin American market (Latibex) of the Madrid Stock Exchange and the New York Stock Exchange. Also, t he Depositary Receipts (“DR”) of Garanti BBVA, A.S. are listed in the London Stock Exchange As of December 31, 2019, State Street Bank and Trust Co., The Bank of New York Mellon SA NV and Chase Nominees Ltd in their capacity as international custodian/depo sitary banks, held 11.68% , 2.03% , and 6.64% of BBVA common stock, respectively. Of said positions held by the custodian banks, BBVA is not aware of any individual shareholders with direct or indirect holdings greater than or equal to 3% of BBVA common stoc k outstanding. On February 5, 2020, Blackrock, Inc. reported to the SEC that, as of December 31, 2019, it beneficially owned 6.3% of BBVA’s common stock. On February 3, 2020, Norges Bank reported to the Spanish Securities and Exchange Commission (CNMV) tha t it had an indirect holding of BBVA S.A. common stock totaling 3.066%, of which 3.051% are voting rights attributed to shares, and 0.015% are voting rights through financial instruments. BBVA is not aware of any direct or indirect interests through which control of the Bank may be exercised. BBVA has not received any information on stockholder agreements including the regulation of the exercise of voting rights at its annual general meetings or restricting or placing conditions on the free transferability of BBVA shares. No agreement is known that could give rise to changes in the control of the Bank. BBVA banking subsidiaries, associates and joint ventures worldwide, are subject to supervision and regulation from a variety of regulatory bodies in relation to, among other aspects, the satisfaction of minimum capital requirements. The obligation to satisfy such capital requirements may affect the ability of such entities to transfer funds in the form of cash dividends, loans or advances. In addition, under th e laws of the various jurisdictions where such entities are incorporated, dividends may only be paid out through funds legally available for such purpose. Even when the minimum capital requirements are met and funds are legally available, the relevant regu lators or other public administrations could discourage or delay the transfer of funds to the Group in the form of cash, dividends, loans or advances for prudential reasons. Resolutions adopted by the Annual General Meeting Capital increase BBVA’s AGM held on March 17, 2017 resolved, under agenda item four, to confer authority on the Board of Directors to increase Bank’s share capital, on one or several occasions, within the legal term of five years of the approval date of the authorization, up to the maximum amount corresponding to 50% of Bank’s share capital at the time on which the resolution was adopted, likewise conferring authority to the Board of Directors to totally or partially exclude shareholders’ pre-emptive subscription rights over any specific issue that may be made under such authority; although the power to exclude pre-emptive subscription rights was limited, such that the nominal amount of the capital increases resolved or effectively carried out with the exclusion of pre-emptive subscription rights in use of the referred authority and those that may be resolved or carried out to cover the conversion of mandatory convertible issues that may also be made with the exclusion of pre-emptive subscription rights in use of the authority to issue convertible securities conferred by the AGM held on March 17, 2017, under agenda item five (without prejudice to the anti-dilution adjustments and this limit not being applicabl e to contingent convertible issues) shall not exceed the nominal maximum overall amount of 20% of the share capital of BBVA at the time of the authorization. As of the date of this document, the Bank’s Board of Directors has not exercised the authority con ferred by the AGM. “Dividend Option” Program 2017: Note 4 introduces the details of the remuneration system “Dividend Option”. Convertible and/or exchangeable securities: Note 22.4 introduces the details of the convertible and/or exchangeable securities.

Note 27 - Share premium

Note 27 - Share premium	12 Months Ended
	Dec. 31, 2019
Share Premium Abstract
Disclosure Of Share Premium Explanatory	27. Share premium As of December 31, 2019, 2018 and 2017, the balance under this heading in the accompanying consolidated balance sheets was €23,992 million. The amended Spanish Corporation Act expressly permits the use of the share premium balance to increase capital and establishes no specific restrictions as to its use (see Note 26).

Note 28 - Retained earnings, re

Note 28 - Retained earnings, revaluation reserves and other reserves	12 Months Ended
	Dec. 31, 2019
Retained earnings, revaluation reserves and other reserves.
Retained earnings, revaluation reserves and other reserves	28. Retained earnings, revaluation reserves and other reserves 28.1 Breakdown of the balance The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows: Retained earnings, revaluation reserves and other reserves. Breakdown by concepts (Millions of Euros) 2019 2018 2017 Legal reserve 653 653 644 Restricted reserve 124 133 159 Reserves for regularizations and balance revaluations - 3 12 Voluntary reserves 8,331 8,010 8,643 Total reserves holding company 9,108 8,799 9,458 Consolidation reserves attributed to the Bank and dependent consolidated companies. 17,169 14,222 14,266 Total 26,277 23,021 23,724 28.2 Legal reserve Under the amended Spanish Corporations Act, 10% of any profit made each year must be transferred to the legal reserve. The transfer must be made until the legal reserve reaches 20% of the common stock. The legal reserve can be used to increase the common s tock provided that the remaining reserve balance does not fall below 10% of the increased capital. While it does not exceed 20% of the common stock, it can only be allocated to offset losses exclusively in the case that there are not sufficient reserves av ailable. 28.3 Restricted reserves As of December 31, 2019, 2018 and 2017, the Bank’s restricted reserves are as follows: Restricted reserves. Breakdown by concepts (Millions of Euros) 2019 2018 2017 Restricted reserve for retired capital 88 88 88 Restricted reserve for parent company shares and loans for those shares 34 44 69 Restricted reserve for redenomination of capital in euros 2 2 2 Total 124 133 159 The restricted reserve for retired capital resulted from the reduction of the nominal par value of the BBVA shares made in April 2000. The second heading corresponds to restricted reserves related to the amount of shares issued by the Bank in its possession at each date, as well as the amount of customer loans outstanding at those dates that were granted for the purchase of, or are secured by, the parent company shares. Finally, pursuant to Law 46/1998 on the Introduction of the Euro, a restricted reserve is recognized as a result of the rounding effect of the redenomination of the parent company common stock in euros. 28.4 Retained earnings, revaluation reserves and other reserves by entity The breakdown, by company or corporate group, under the headings “Retained earnings, revaluation reserves” and “other reserves” in the accompanying consolidated balance shee ts is as follows: Retained earnings, revaluation reserves and other reserves. Breakdown by concepts (Millions of Euros) 2019 2018 2017 Retained earnings (losses) and revaluation reserves Holding Company 16,623 14,701 15,759 BBVA Mexico Group 10,645 10,014 9,442 Garanti BBVA Group 1,985 1,415 751 BBVA Colombia Group 1,130 998 926 Corporación General Financiera S.A. 932 1,084 1,202 BBVA Perú Group 848 756 681 BBV América, S.L. 247 217 195 Catalunyacaixa Inmobiliaria, S.A. 225 233 11 BBVA Chile Group 597 552 951 BBVA Paraguay 130 119 108 Bilbao Vizcaya Holding, S.A. 62 49 (73) Compañía de Cartera e Inversiones, S.A. 47 108 (20) Gran Jorge Juan, S.A. 27 (33) (47) Banco Industrial de Bilbao, S.A. (13) - 25 BBVA Luxinvest, S.A. (48) (48) 25 Pecri Inversión S.L. (50) (74) (76) BBVA Suiza, S.A. (52) (53) (57) BBVA Portugal Group (59) (66) (436) BBVA Seguros, S.A. (99) (127) (215) BBVA Venezuela Group (125) (124) (113) Grupo BBVA USA Bancshares (317) (586) (794) BBVA Argentina Group 35 103 999 Anida Grupo Inmobiliario, S.L. (587) 363 515 Unnim Real Estate (594) (587) (576) Anida Operaciones Singulares, S.L. (5,375) (5,317) (4,881) Other 188 (618) (544) Subtotal 26,402 23,079 23,758 Other reserves or accumulated losses of investments in joint ventures and associates Metrovacesa, S.A. (75) (61) (53) ATOM Bank PLC (56) (28) (12) Other 6 31 30 Subtotal (125) (58) (35) Total 26,277 23,021 23,724 For the purpose of allocating the reserves and accumulated losses to the consolidated entities and to the parent company, the transfers of reserves arising from the dividends paid and transactions between these enti ties are taken into account in the period in which they took place.

Note 29 - Treasury Shares (Note

Note 29 - Treasury Shares (Notes)	12 Months Ended
	Dec. 31, 2019
Treasury Shares Abstract
Treasury Shares Explanatory	29. Treasury shares In the years ended December 31, 2019, 2018 and 2017 the Group entities performed the following transactions with shares issued by the Bank: Treasury shares (Millions of euros) 2019 2018 2017 Number of Shares Millions of Euros Number of Shares Millions of Euros Number of Shares Millions of Euros Balance at beginning 47,257,691 296 13,339,582 96 7,230,787 48 + Purchases 214,925,699 1,088 279,903,844 1,683 238,065,297 1,674 - Sales and other changes (249,566,201) (1,298) (245,985,735) (1,505) (231,956,502) (1,622) +/- Derivatives on BBVA shares - (23) - 23 - (4) Balance at the end 12,617,189 62 47,257,691 296 13,339,582 96 Held by Corporación General Financiera, S.A. 12,617,189 62 47,257,691 296 13,339,582 96 Average purchase price in Euros 5.06 - 6.11 - 7.03 - Average selling price in Euros 5.20 - 6.25 - 6.99 - Net gain or losses on transactions (Shareholders' funds-Reserves) 13 (24) 1 The percentages of treasury shares held by the Group in the years ended December 31, 2019, 2018 and 2017 are as follows: Treasury Stock 2019 2018 2017 Min Max Closing Min Max Closing Min Max Closing % treasury stock 0.138% 0.746% 0.213% 0.200% 0.850% 0.709% 0.004% 0.278% 0.200% The number of BBVA shares accepted by the Group in pledge of loans as of December 31, 2019, 2018 and 2017 is as follows: Shares of BBVA accepted in pledge 2019 2018 2017 Number of shares in pledge 43,018,382 61,632,832 64,633,003 Nominal value 0.49 0.49 0.49 % of share capital 0.65% 0.92% 0.97% The number of BBVA shares owned by third parties but under management of a company within the Group as of December 31, 2019, 2018 and 2017 is as follows: Shares of BBVA owned by third parties but managed by the Group 2019 2018 2017 Number of shares owned by third parties 23,807,398 25,306,229 34,597,310 Nominal value 0.49 0.49 0.49 % of share capital 0.36% 0.38% 0.52%

Note 30 - Accumulated Other Com

Note 30 - Accumulated Other Comprehensive Income	12 Months Ended
	Dec. 31, 2019
Accumulated other comprehensive income abstract
Accumulated Other Comprehensive Income Explanatory	30. Accumulated other comprehensive income (loss) The breakdown of the balance under this heading in the accompanying consolidated balance sheets is as follows: Accumulated other comprehensive income (Millions of Euros) Notes 2019 2018 2017(*) Items that will not be reclassified to profit or loss (1,875) (1,284) (1,183) Actuarial gains (losses) on defined benefit pension plans (1,498) (1,245) (1,183) Non-current assets and disposal groups classified as held for sale 2 - - Fair value changes of equity instruments measured at fair value through other comprehensive income 13.4 (403) (155) Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk 24 116 Items that may be reclassified to profit or loss (5,359) (5,932) (5,755) Hedge of net investments in foreign operations (effective portion) (896) (218) 1 Foreign currency translation (6,161) (6,643) (7,297) Hedging derivatives. Cash flow hedges (effective portion) (44) (6) (34) Financial assets available for sale 1,641 Fair value changes of debt instruments measured at fair value through other comprehensive income 13.4 1,760 943 Non-current assets and disposal groups classified as held for sale (18) 1 (26) Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates 1 (9) (40) Total (7,235) (7,215) (6,939) (*) See Note 1.3 The balances recognized under these headings are presented net of tax.

Note 31 - Non Controlling Inter

Note 31 - Non Controlling Interest	12 Months Ended
	Dec. 31, 2019
Non Controlling interests
Non Controlling Interest Explanatory	31. Non-controlling interest The table below is a breakdown by groups of consolidated entities of the balance under the heading “Minority interests (non-controlling interest)” of total equity in the accompanying consolidated balance sheets is as follows: Non-controlling interests: breakdown by subgroups (Millions of Euros) 2019 2018 2017 Garanti BBVA 4,240 4,058 4,903 BBVA Peru 1,334 1,167 1,059 BBVA Argentina 422 352 420 BBVA Colombia 76 67 65 BBVA Venezuela 71 67 78 Other entities 57 53 454 Total 6,201 5,764 6,979 These amounts are broken down by groups of consolidated entities under the heading “Attributable to minority interests (non-controlling interest)” in the accompanying consolidated income statements: Profit attributable to non-controlling interests (Millions of Euros) 2019 2018 2017 Garanti BBVA 524 585 883 BBVA Peru 236 227 208 BBVA Argentina 60 (18) 93 BBVA Colombia 11 9 7 BBVA Venezuela (1) (5) (2) Other entities 4 30 55 Total 833 827 1,243 Dividends distributed to non-controlling interest of the Group during the year 2019 are: BBVA Peru Group € 115 million, BBVA Argentina Group € 16 million, BBVA Colombia Group €3 million and other Group entities accounted for € 8 million.

Note 32 - Capital base and Capi

Note 32 - Capital base and Capital management	12 Months Ended
	Dec. 31, 2019
Capital Base And Capital Management
Information Whether Entity Complied with Any Externally Imposed Capital Requirement	32. Capital base and capital management 32.1 Capital base As of December 31, 2019, 2018 and 2017, equity is calculated in accordance to the applicable regulation of each year on minimum capital base requirements for Spanish credit institutions –both as individual entities and as consolidated group– and how to calculate them, as well as the various internal capital adequacy assessment processes they should have in place and the information they should disclose to t he market. The minimum capital base requirements established by the current regulation are calculated according to the Group’s exposure to credit and dilution risk, counterparty and liquidity risk relating to the trading portfolio, exchange-rate risk and o perational risk. In addition, the Group must fulfill the risk concentration limits established in said regulation and the internal corporate governance obligations. With regard to BBVA, after the supervisory review and evaluation process (“SREP”) carried o ut by the ECB, the Group has received the communication to maintain, from January 1, 2020 on a consolidated basis, a CET1 capital ratio of 9.27% and a total capital ratio of 12.77%. This total capital requirement at consolidated level includes: i) a Pillar 1 requirement of 8% that should be fulfilled by a minimum of 4.5% of CET1; ii) a Pillar 2 requirement of 1.5% of CET1 that remains at the same level as the one included in the previous SREP decision; iii) a Capital Conservation buffer of 2.5% of CET1; iv) the Other Systemic Important Institution buffer (OSII) of 0.75% of CET1; and v) the Countercyclical Capital buffer 0.02% of CET1. The ECB Pillar 2 requirement remains at the same level as the one established in the last SREP decision, being the sole diffe rence the evolution of the Countercyclical Capital buffer of 0.01% approximately. A reconciliation of the main figures between the accounting and regulatory own funds as of December 31, 2019, 2018 and 2017 is shown below: Eligible capital resources (Millions of Euros) Notes 2019 2018 2017 Capital 26 3,267 3,267 3,267 Share premium 27 23,992 23,992 23,992 Retained earnings, revaluation reserves and other reserves 28 26,277 23,021 23,724 Other equity instruments, net 56 50 54 Treasury shares 29 (62) (296) (96) Attributable to the parent company 6 3,512 5,400 3,514 Attributable dividend (1,084) (1,109) (1,172) Total equity 55,958 54,326 53,283 Accumulated other comprehensive income 30 (7,235) (7,215) (6,939) Non-controlling interest 31 6,201 5,764 6,979 Shareholders' equity 54,925 52,874 53,323 Goodwill and other intangible assets (6,803) (8,199) (6,627) Direct and synthetic treasury shares (422) (135) (182) Deductions (7,225) (8,334) (6,809) Temporary CET 1 adjustments - - (273) Capital gains from the Available-for-sale debt instruments portfolio - - (256) Capital gains from the Available-for-sale equity portfolio - - (17) Differences from solvency and accounting level (215) (176) (189) Equity not eligible at solvency level (215) (176) (462) Other adjustments and deductions (1) (3,832) (4,049) (3,711) Common Equity Tier 1 (CET 1) 43,653 40,313 42,341 Additional Tier 1 before Regulatory Adjustments 6,048 5,634 6,296 Total Regulatory Adjustments of Additional Tier 1 - - (1,657) Tier 1 49,701 45,947 46,980 Tier 2 8,304 8,756 8,798 Total Capital (Total Capital=Tier 1 + Tier 2) 58,005 54,703 55,778 Total Minimum equity required 46,540 41,576 40,370 (1) Other adjustments and deductions includes the amount of minority interest not eligible as capital, amount of dividends not distributed and other deductions and filters set by the CRR. The Group’s bank capital in accordance with the aforementioned applicable regu lation as of December 31, 2019, 2018 and 2017 is shown below: Amount of capital CC1 (Millions of Euros) 2019 2018 2017 Capital and share premium 27,259 27,259 27,259 Retained earnings and equity instruments 26,960 23,773 23,791 Other accumulated income and other reserves (7,157) (7,143) (6,863) Minority interests 4,404 3,809 5,446 Net interim attributable profit 1,316 3,188 1,302 Ordinary Tier 1 (CET 1) before other reglamentary adjustments 52,783 50,887 50,935 Goodwill and intangible assets (6,803) (8,199) (6,627) Direct and indirect holdings in equity (484) (432) (278) Deferred tax assets (1,420) (1,260) (755) Other deductions and filters (423) (682) (933) Total common equity Tier 1 reglamentary adjustments (9,130) (10,573) (8,594) Common equity TIER 1 (CET1) 43,653 40,313 42,341 Equity instruments and share premium classified as liabilities 5,400 5,005 5,893 Qualifying Tier 1 capital included in consolidated AT1 capital issued by subsidiaries and held by third parties 648 629 403 Additional Tier 1 (CET 1) before regulatory adjustments 6,048 5,634 6,296 Temporary CET 1 adjustments - - (1,657) Total regulatory adjustments of additional equity l Tier 1 - - (1,657) Additional equity Tier 1 (AT1) 6,048 5,634 4,639 Tier 1 (Common equity TIER 1+ additional TIER 1) 49,701 45,947 46,980 Equity instruments and share premium accounted as Tier 2 3,064 3,768 1,759 Eligible equity instruments 4,690 4,409 6,438 Credit risk adjustments 550 579 601 Tier 2 before regulatory adjustments 8,304 8,756 8,798 Tier 2 8,304 8,756 8,798 Total capital (Total capital=Tier 1 + Tier 2) 58,005 54,703 55,778 Total RWA's 364,448 348,264 362,875 CET 1 (phased-in) 12.0% 11.6% 11.7% Tier 1 (phased-in) 13.6% 13.2% 12.9% Total capital (phased-in) 15.9% 15.7% 15.4% As of December 2019 Common Equity Tier 1 (CET1) phased-in ratio (1) stood at 11.98%, including the impact of IFRS 16 standard’s implementation that entered into force on Ja nuary 1, 2019 (-11 basis points). Compared to December 2018, the ratio increased by +40 basis points supported by the profit generation, net of dividend payments and remuneration of contingent convertible capital instruments (CoCos), notwithstanding the mo derate growth of risk-weighted assets. In addition, the impairment of the goodwill in the United States CGU recognized by the Group amounting to €1,318 million has had no impact on the regulatory own funds (see Note 18.1). Risk-weighted assets (RWAs) increased by approximately €16,100 million in 2019 as a result of activity growth, mainly in emerging markets, and the impact of regulatory changes (the application of IFRS 16 and TRIM - Targeted Review of Internal Models) for approximately €7,600 million (with an impact on the CET1 ratio of -25 basis points. It should be noted that during the second quarter of 2019, the recognition by the European Commission of Argentina as a country whose supervis ory and regulatory requirements(2) are considered equivalen t had a positive effect on the evolution of the RWAs . The Additional tier 1 capital (AT1) phased-in ratio stood at 1.66% as of December 31, 2019. In this regard, BBVA S.A. carried out an issue of €1,000 million CoCos, registered at the Spanish Securities M arket Commission (CNMV) and another issue of the same type of instruments, registered in the Securities and Exchange Commission (hereinafter, SEC) for USD 1,000 million. On the other hand, in February 2020 the CoCos issuance of € 1,500 million issued in Fe bruary 2015 will be amortized. As of December 31, 2019, it is no longer included in the capital ratios. Finally, in terms of issues eligible as Tier 2 capital, BBVA S.A. issu ed € 750 million of subordinated debt and carried out the early redemption of two subordinated-debt issues; one for €1,500 million redeemed in April 2019, and another issued in June 2009 by Caixa d'Estalvis de Sabadell with an outstanding nominal amount of €4.9 million and redeemed in June 2019. With regard to the subsidiaries of the Gr oup, BBVA Mexico carried out a Tier 2 issuance of USD 750 million and partially repurchased two subordinated debt issuances ($250 million due in 2020 and $500 million due in 2021). Meanwhile, Garanti BBVA issued another Tier 2 issuance of TRY 253 million. All of this, together with the evolution of the remaining elements eligible as Tier 2 capital, set the Tier 2 phased in ratio at 2.28% as of December 31, 2019. In addition, during the beginning of 2020, two subordinated debts were issued, BBVA, S .A. issued €1,000 million, and Garanti BBVA issued 750 million of Turkish Liras. These issuances will be included in the capital ratios for the first quarter of 2020 with an estimated impact of approximately +28 basis points on the T2 capital ratio. These levels are above the requirements established by the supervisor in its SREP letter applicable in 2019, also above the appli cable requirements from January 1, 2020. In November 2019, BBVA received a new communication from the Bank of Spain regarding its minimum requirement for own funds and eligible liabilities (MREL), as determined by the Single Resolution Board, that was calculated taking into account the financial and supervisory information as of December 31, 2017. In accordance with such communication, BBVA has to reach, by January 1, 2021, an amount of own funds and eligible liabilities equal to 15.16% of the total liabilities and own funds of its resolution group, on sub-consolidated basis (the MREL requirement). Within this MREL, an amount equal to 8.01% o f the total liabilities and own funds shall be met with subordinated instruments (the subordination requirement), once the relevant allowance is applied. This MREL requirement is equal to 28.50% in terms of risk-weighted assets (RWAs), while the subordinat ion requirement included in the MREL requirement is equal to 15.05% in terms of RWAs, once the relevant allowance has been applied. In order to comply with this requirement, BBVA has continued its issuance program during 2019 by closing three senior non-pr eferred debt issuances, for a total of € 3,000 million, of which one consists in green bonds (€ 1,000 million). In addition, BBVA issued €1,000 million of senior preferred debt . The Group estimates that the current own funds and eligible liabilities struct ure of the resolution group meets the MREL requirement, as well as the new subordination requirement. (1) This CET1 phased-in ratio includes the impact of the initial implementation of IFRS 9. In this context, the European Commission and Parliament have established temporary arrangements, which implementation is voluntary, which seek to phase-in the impact of IFRS 9 on capital ratios. BBVA has informed the supervisory board of its adherence to these arrangements. (2) On April 1, 2019, the Official Journ al of the European Union published Commission Implementing Decision (EU) 2019/536, which includes Argentina within the list of third countries and territories whose supervisory and regulatory requirements are considered equivalent for the purposes of the t reatment of exposures in accordance with Regulation (EU) No. 575/2013. 32.2 Leverage ratio The leverage ratio (LR) is a regulatory measure complementing capital designed to guarantee the soundness and financial strength of instit utions in terms of indebtedness. This measurement can be used to estimate the percentage of the assets and off-balance sheet arrangements financed with Tier 1 capital, the carrying amount of the assets used in this ratio is adjusted to reflect the bank’s current or potential leverage with a given balance-sheet position (Leverage ratio exposure). Breakdown of capital base as of December 31, 2019, 2018 and 2017, calculated according to CCR, is as follows: Capital Base 2019 2018 2017 Tier 1 (millions of euros) (a) 49,701 45,947 46,980 Exposure (millions of euros) (b) 731,087 705,299 709,758 Leverage ratio (a)/(b) (percentage) 6.80% 6.51% 6.62% 32.3 Capital management Capi tal management in the BBVA Group has a twofold aim:  Maintain a level of capitalization according to the business objectives in all countries in which it operates and, simultaneously,  Maximize the return on shareholders’ funds through the efficient allocati on of capital to the different units, a good management of the balance sheet and appropriate use of the various instruments forming the basis of the Group’s equity: shares, preferred securities and subordinated debt. This capital management is carried out determining the capital base and the solvency ratios established by the prudential and minimum capital requirements also have to be met for the entities subject to prudential supervision in each country. The current regulation allows each entity to apply i ts own internal ratings-based (IRB) approach to risk assessment and capital management, subject to Bank of Spain approval. The BBVA Group carries out an integrated management of these risks in accordance with its internal policies and its internal capital estimation model has received the Bank of Spain’s approval for certain portfolios (see Note 7).

Note 33 - Commitments and guara

Note 33 - Commitments and guarantees given	12 Months Ended
	Dec. 31, 2019
Commitments and Guarantees given
Disclosure of commitments and guarantees given	33. Commitments and guarantees given The breakdown of the balance under these headings in the accompanying consolidated balance sheets is as follows: Commitments and guarantees given (Millions of Euros) Notes 2019 2018 2017 Loan commitments given 7.1.2 130,923 118,959 94,268 Of which: defaulted 270 247 537 Central banks - - 1 General governments 3,117 2,318 2,198 Credit institutions 11,742 9,635 946 Other financial corporations 4,578 5,664 3,795 Non-financial corporations 65,475 58,405 58,133 Households 46,011 42,936 29,195 Financial guarantees given (*) 7.1.2 10,984 16,454 16,545 Of which: defaulted 224 332 278 Central banks - 2 - General governments 125 159 248 Credit institutions 995 1,274 1,158 Other financial corporations 583 730 3,105 Non-financial corporations 8,986 13,970 11,518 Households 295 319 516 Other commitments given 7.1.2 39,209 35,098 45,738 Of which: defaulted 506 408 461 Central banks 1 1 7 General governments 521 248 227 Credit institutions 5,952 5,875 15,330 Other financial corporations 2,902 2,990 3,820 Non-financial corporations 29,682 25,723 25,992 Households 151 261 362 Total commitments and guarantees given 7.1.2 181,116 170,511 156,551 (*) Non-performing financial guarantees given amounted to €730, €740 and €739 million, respectively, as of December 31, 2019, 2018 and 2017. As of December 31, 2019, the provisions for loan commitments given, financial guarantees given and other commitment s given, recorded in the consolidated balance sheet amounted €341 million, €219 million and €151 million, respectively. Since a significant portion of the amounts above will expire without any payment being made by the consolidated entities, the aggregate balance of these commitments cannot be considered to be the actual future requirement for financing or liquidity to be provided by the BBVA Group to third parties. In the years 2019, 2018 and 2017, no issuance of debt securities carried out by associates o f the BBVA Group, joint venture entities or non-Group entities have been guaranteed.

Note 34 - Other contingent asse

Note 34 - Other contingent assets and liabilities	12 Months Ended
	Dec. 31, 2019
Other contingent assets and liabilities
Disclosure of other contingent assets and liabilities	34. Other contingent assets and liabilities As of December, 2019, 2018 and 2017 there were no material contingent assets or liabilities other than those disclosed in the accompanying Notes to the consolidated financial statements.

Note 35 - Purchase and sale com

Note 35 - Purchase and sale commitments and future payment obligations (Notes)	12 Months Ended
	Dec. 31, 2019
Purchase and sale commitments and future payment obligations
Purchase and Sale commitments and future payment obligations	35. Purchase and sale commitments and future payment obligations The breakdown of purchase and sale commitments of the BBVA Group as of December 31, 2019, 2018 and 2017 is as follows: Purchase and sale commitments (Millions of Euros) Notes 2019 2018 2017 Financial instruments sold with repurchase commitments 45,956 42,993 40,077 Financial liabilities held for trading 41,902 36,815 - Central banks 10 7,635 10,511 - Credit institutions 10 24,578 14,839 - Customer deposits 10 9,689 11,466 - Financial liabilities at amortized cost 4,054 6,178 40,077 Central banks 22 826 375 6,155 Credit institutions 22 2,693 4,593 24,843 Customer deposits 22 535 1,209 9,079 Financial instruments purchased with resale commitments 35,784 28,034 26,368 Financial assets held for trading 33,941 27,262 - Central banks 10 535 2,163 - Credit institutions 10 21,219 13,305 - Loans and advances to customers 10 12,187 11,794 - Financial assets at amortized cost 1,843 772 26,368 Central banks - - 305 Credit institutions 14 1,817 478 13,861 Loans and advances to customers 26 294 12,202 A breakdown of the maturity of other payment obligations, not included in previous notes, due after December 31, 2019 is provided below: Maturity of future payment obligations (Millions of Euros) Up to 1 year 1 to 3 years 3 to 5 years Over 5 years Total Purchase commitments 23 - - - 23 Technology and systems projects 4 - - - 4 Other projects 19 - - - 19 Total 23 - - - 23

Note 36 - Transactions on behal

Note 36 - Transactions on behalf of third parties (Notes)	12 Months Ended
	Dec. 31, 2019
Transactions On Behalf Of Third Parties Abstract
Transactions On Behalf Of Third Parties Explanatory	36. Tran sactions on behalf of third parties As of December 31, 2019, 2018 and 2017 the details of the relevant transactions on behalf of third parties are as follows: Transactions on behalf of third parties. Breakdown by concepts (Millions of Euros) 2019 2018 2017 Financial instruments entrusted to BBVA by third parties 693,377 628,417 624,822 Conditional bills and other securities received for collection 13,133 13,484 14,775 Securities lending 7,129 4,866 5,485 Total 713,639 646,768 645,081

Note 37 - Interest Income and E

Note 37 - Interest Income and Expense	12 Months Ended
	Dec. 31, 2019
Interest Income And Expense
Disclosure of Interest Income Expense	37. Net interest income 37.1 Interest and other income The breakdown of the interest and other income recognized in the accompanying consolidated income statement is as follows: Interest and other income. Breakdown by origin (Millions of Euros) 2019 2018 2017 Financial assets held for trading 2,041 2,057 1,306 Financial assets designated at fair value through profit or loss 159 148 73 Financial assets at fair value through other comprehensive income 1,815 1,846 1,485 Financial assets at amortized cost 25,698 24,572 24,485 Insurance activity 1,079 1,141 1,058 Adjustments of income as a result of hedging transactions (74) (201) 415 Other income 343 268 474 Total 31,061 29,831 29,296 The amounts recognized in consolidated equity in connection with hedging derivatives for the years ended December 31, 2019, 2018 and 2017 and the amounts derecognized from the consolidated equity and taken to the consolidated income statements during those years are included in the accompanying “Conso lidated statements of recognized income and expenses”. 37.2 Interest expense The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows: Interest expense. Breakdown by origin (Millions of Euros) 2019 2018 2017 Financial liabilities held for trading 1,230 1,211 87 Financial liabilities designated at fair value through profit or loss 6 41 - Financial liabilities at amortized cost (*) 10,805 10,321 9,729 Adjustments of expense as a result of hedging transactions (246) (352) 665 Insurance activity 753 832 732 Cost attributable to pension funds 86 73 79 Other expense 224 113 245 Total 12,859 12,239 11,537 (*) Includes €114 million as of December 31, 2019 corresponding to interest expense on leases (see Note 22.5).

Note 38 - Dividend Income

Note 38 - Dividend Income	12 Months Ended
	Dec. 31, 2019
Dividend income Abstract
Dividend Income	38. Dividend income The balances for this heading in the accompanying consolidated income statements correspond to dividends on shares and equity instruments other than those from shares in entities accounted for using the equity method (see Note 39), as can be seen in the breakdown below: Dividend income (Millions of Euros) 2019 2018 2017 Dividends from: Non-trading financial assets mandatorily at fair value through profit or loss 26 19 145 Financial assets at fair value through other comprehensive income 136 138 188 Total 162 157 334

Note 39 - Share of profit or lo

Note 39 - Share of profit or loss of entities accounted for using the equity method	12 Months Ended
	Dec. 31, 2019
Share of profit or loss of entities accounted for using the equity method
Investments in Entities Accounted for Using the Equity Method	39. Share of profit or loss of entities accounted for using the equity method Results from “Share of profit or loss of entities accounted for using the equity method” resulted in a negative impact of €42 million as of December 31, 2019, compared with the negative impact of €7 and the positive impact of €4 million recorded as of December 31, 2018 and 2017, respec tively.

Note 40 - Fee and commission in

Note 40 - Fee and commission income and expenses	12 Months Ended
	Dec. 31, 2019
Fee And Commission Income Expenses
Fee and commission income and expenses	40. Fee and commission income and expense The breakdown of the balance under these headings in the accompanying consolidated income statements is as follows: Fee and commission income (Millions of Euros) 2019 2018 2017 Bills receivables 39 39 46 Demand accounts 526 451 507 Credit and debit cards and TPVs 3,083 2,900 2,834 Checks 203 194 212 Transfers and other payment orders 735 689 648 Insurance product commissions 172 178 200 Loan commitments given 222 223 231 Other commitments and financial guarantees given 392 390 396 Asset management 1,066 1,023 923 Securities fees 319 325 385 Custody securities 123 122 122 Other fees and commissions 642 598 645 Total 7,522 7,132 7,150 The breakdown of fee and commission expense under these heading in the accompanying consolidated income statements is as follows: Fee and commission expense (Millions of Euros) 2019 2018 2017 Demand accounts 36 39 45 Credit and debit cards 1,662 1,502 1,458 Transfers and other payment orders 150 96 123 Commissions for selling insurance 54 48 60 Custody securities 30 29 38 Other fees and commissions 557 539 506 Total 2,489 2,253 2,229

Note 41 - Gains (losses) on fin

Note 41 - Gains (losses) on financial assets and liabilities (net), hedge accounting and Exchange Differences	12 Months Ended
	Dec. 31, 2019
Gains Or Losses on Financial Assets And Liabilities And Exchanges Differences
Disclosure of gains or losses on financial assets and liabilities and exchange differences	41. Gains (losses) on financial assets and liabilities , hedge accounting and exchange differences, net The breakdown of the balance under this heading, by s ource of the related items, in the accompanying consolidated income statement is as follows: Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net. Breakdown by heading (Millions of Euros) 2019 2018 2017 Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net 239 216 985 Financial assets at amortized cost 65 51 133 Other financial assets and liabilities 173 164 852 Gains (losses) on financial assets and liabilities held for trading, net 451 707 218 Other gains (losses) 451 707 Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net 143 96 Other gains (losses) 143 96 Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net (94) 143 (56) Gains (losses) from hedge accounting, net 59 72 (209) Subtotal gains (losses) on financial assets and liabilities 798 1,234 938 Exchange differences 586 (9) 1,030 Total 1,383 1,223 1,968 The breakdown of the balance (excluding exchange rate differences) under this heading in the accompanying income statements by the nature of financial instruments is as follows: Gains (losses) on financial assets and liabilities. Breakdown by nature of the financial instrument (Millions of Euros) 2019 2018 2017 Debt instruments 972 354 545 Equity instruments 1,337 (253) 845 Trading derivatives and hedge accounting (1,098) 927 (470) Loans and advances to customers 103 (172) 97 Customer deposits (26) 240 (96) Other (490) 138 18 Total 798 1,234 938 The breakdown of the balance of the impact of the derivatives (trading and hedging) under this heading in the accompanying consolidated income statements is as follows: Derivatives - Hedge accounting (Millions of Euros) 2019 2018 2017 Interest rate agreements (64) 90 165 Securities agreements (1,079) 294 (139) Commodity agreements 6 (2) 99 Credit derivative agreements 74 (109) (564) Foreign-exchange agreements (60) 606 315 Other agreements (35) (24) (137) Subtotal (1,158) 856 (261) Fair value hedges 59 87 (177) Hedging derivative 14 (150) (236) Hedged item 45 237 59 Cash flow hedges - (15) (32) Subtotal 59 72 (209) Total (1,098) 927 (470) In addition, in the years ended December 31, 2019, 2018 and 2017, under the heading “Exchange differences, net” in the accompanying consolidated income statements amounts of negative €225 million, positive €113 million and positive €235 million, resp ectively, were recognized for transactions with foreign exchange trading derivatives.

Note 42 - Other operating incom

Note 42 - Other operating income and expenses	12 Months Ended
	Dec. 31, 2019
Other Operating Income and Expenses
Other Operating Income And Expenses	42. Other operating income and expense The breakdown of the balance under the heading “Other operating income” in the accompanying consolidated income statements is as follows: Other operating income (Millions of Euros) 2019 2018 2017 Gains from sales of non-financial services 258 458 1,109 Of which: Real estate 91 283 884 Other operating income 413 491 330 Of which: Hyperinflation adjustment (*) 146 120 - Total 671 949 1,439 (*) See Note 2.2.20. The breakdown of the balance under the heading “Other operating expense” in the accompanying consolidated income statements is as follows: Other operating expense (Millions of Euros) 2019 2018 2017 Change in inventories 107 292 886 Of which: Real estate 68 248 816 Other operating expense 1,899 1,808 1,337 Of which: Contributions to guaranteed banks deposits funds 770 727 703 Of which: Hyperinflation adjustment (*) 538 494 31 Total 2,006 2,101 2,223 (*) See Note 2.2.20.

Note 43 - Insurance and reinsur

Note 43 - Insurance and reinsurance contracts income and expenses	12 Months Ended
	Dec. 31, 2019
Insurance and Reinsurance Contracts Income and Expenses
Other operating income and expenses on Insurance and reinsurance contracts	43. Income and expense from insurance and reinsurance contracts The detail of the headings “Income and expense from insurance and reinsurance contracts” in the accompanying consolidated income statements is as follows: Other operating income and expense on insurance and reinsurance contracts (Millions of Euros) 2019 2018 2017 Income on insurance and reinsurance contracts 2,890 2,949 3,342 Expense on insurance and reinsurance contracts (1,751) (1,894) (2,272) Total 1,138 1,055 1,069 The table below shows the contribution of each insurance product to the Group´s income for the years ended December 31, 2019, 2018 and 2017: Income by type of insurance product (Millions of Euros) 2019 2018 2017 Life insurance 631 682 604 Individual 477 486 346 Savings 116 56 38 Risk 361 430 308 Group insurance 154 196 258 Savings 26 39 (4) Risk 127 157 263 Non-Life insurance 508 373 464 Home insurance 90 110 118 Other non-life insurance products 418 263 346 Total 1,138 1,055 1,069

Note 44 - Administration Costs

Note 44 - Administration Costs	12 Months Ended
	Dec. 31, 2019
Classes Of Employee Benefits Expense
Personnel Expenses Explanatory	44. Administration costs 44.1 Personnel expense The breakdown of the balance under this heading in the accompanying consolidated i ncome statements is as follows: Personnel expense (Millions of Euros) Notes 2019 2018 2017 Wages and salaries 4,920 4,786 5,163 Social security costs 780 722 761 Defined contribution plan expense 25 113 89 87 Defined benefit plan expense 25 50 58 62 Other personnel expense 478 465 497 Total 6,340 6,120 6,571 44.1.1 Share-based employee remuneration The amounts recognized under the heading “Administration costs - Personnel expense - Other personnel expense” in the consolidated income statements for the year ended December 31, 2019, 2018 and 2017 , corresponding to the remuneration plans based on equity instruments in each year, amounted to €31 million, € 29 million and € 38 million, respectively. These amounts have been recognized with a corresponding entry under the heading “Shareholders’ funds - Other equity instruments” in the accompanying consolidated balance sheets, net of tax effect. The characteristics of the Group's remuneration plans based on equity instruments are described below. System of Variable Remuneration in Shares BBVA has a specific remuneration system applicable to those employees whose professional activities may have a material impact on the risk profile of the Group (hereinafter “Identified Staff”), designed within the framework of applicable regulations to credit institutions and considering best practices and recommendations at the local and international levels in this matter. In 2019, this remuneration scheme is reflected in the following remuneration policies:  BBVA Group Remuneration Policy, approve d by the Board of Directors on 29 of November 2017, that applies in general to all employees of BBVA and of its subsidiaries that form part of the consolidated group. This policy includes in a specific chapter the remuneration system applicable to the memb ers of BBVA Group Identified Staff, including Senior Management.  BBVA Directors’ Remuneration Policy , approved by the Board of Directors and by the General Shareholders’ Meeting held on March 15, 2019, that it’s applicable to BBVA Directors. The remunerati on system for executive directors corresponds, generally, with the applicable system to the Identified Staff, to which they belong, incorporating some particularities of their own, derived from their condition of directors. The Annual Variable Remuneration for the Identified Staff members is subject to specific rules for settlement and payment established in their corresponding remuneration policies, specifically:  Variable remuneration for Identified Staff members for each financial year will be subject to ex ante adjustments, so that it shall be reduced at the time of the performance assessment in the event of negative performance of the Group’s results or other parameters such as the level of achievement of budgeted targets, and it shall not accrue or it w ill accrue in a reduced amount, should certain level of profits and capital ratios not be achieved.  60% of the Annual Variable Remuneration will be paid, if conditions are met, in the year following that to which it corresponds (the “Upfront Portion”). Fo r executive directors, members of the Senior Management and Identified Staff members with particularly high variable remuneration, the Upfront Portion will be 40% of the Annual Variable Remuneration. The remaining portion will be deferred in time (hereinaf ter, the “Deferred Component”) for a 5 year-period for executive directors and members of the Senior Management, and 3 years for the remaining Identified Staff.  50% of the Annual Variable Remuneration, both the Upfront Portion and the Deferred Component, shall be established in BBVA shares. As regards executive directors and Senior Management, 60% of the Deferred Component shall be established in shares.  Shares received as Annual Variable Remuneration shall be withheld for a one-year period after delivery, except for the transfer of those shares required to honor the payment taxes.  The Deferred Component of the Annual Variable Remuneration may be reduced in its entirety, but never increased, based on the result of multi-year performance indicators aligned w ith the Group’s core risk management and control metrics related to the solvency, capital, liquidity, profitability or to the share performance and the recurring results of the Group.  Resulting cash portions of the Deferred Component of Annual Variable Rem uneration and subject to the multi-year performance indicators, finally delivered, shall be updated following the Consumer Price Index (CPI), measured as the year-on-year change prices, as agreed by the Board of Directors.  The entire Annual Variable Remun eration shall be subject to malus and clawback arrangements during the whole deferral and withholding period, both linked to a downturn in the financial performance of the Bank as a whole, of a specific unit or area, or of exposure generated by an Identifi ed Staff member, when such a downturn in financial performance arises from any of the circumstances expressly named in the remuneration policies.  No personal hedging strategies or insurances shall be used in connection with remuneration or liability that m ay undermine the effects of alignment with sound risk management.  The variable component of the remuneration for a financial year shall be limited to a maximum amount of 100% of the fixed component of the total remuneration, unless the General Meeting reso lves to increase this percentage up to a maximum of 200%. In this regard, the General Meeting held on March, 15, 2019 resolved to increase this limit to a maximum level of 200% of the fixed component of the total remuneration for a given number of the Iden tified Staff members, in the terms indicated in the report issued for this purpose by the Board of Directors dated February 11, 2019. According to the settlement and payment scheme indicated, during 2019, a total amount of 5,236,123 BBVA shares correspondi ng to the Upfront Portion of 2018 Annual Variable Remuneration has been delivered to the Identified Staff. Additionally, according to the Remuneration Policy applicable in 2015, during 2019 a total amount of 3,575,777 BBVA shares corresponding to the Deferred Component of 2015 Variable Remuneration has been delivered to the Identifies Staff. This amount has been subject to a downward adjustment due to the multi-year performance evaluation of one of the long-t ime indicators, relative TSR, which scale has determined a downward adjustment of the Deferred Component linked to this indicator in a 10% . Likewise, the aforesaid policy established that the deferred amounts in shares of the Annual Variable Remuneration f inally vested, subject to multi-year performance indicators, will be updated in cash, based on the terms established by the Board of Directors. In this regard, during 2019 a total amount of 3,003,646 euros has been delivered to the Identified Staff as upda tes of the corresponding shares of the Deferred Component of 2015 Annual Variable Remuneration. Detailed information on the delivery of shares to executive directors and Senior Management is included in Note 54. Lastly, in line with specific regulation app licable in Portugal and Brazil, BBVA has identified the staff in these countries whose Annual Variable Remuneration should be subject to a specific settlement and payment scheme, more specifically:  A percentage of the Annual Variable Remuneration is subjec t to a three years deferral that shall be paid yearly over the mentioned period.  50% of the Annual Variable Remuneration, both the Upfront Portion and Deferred Component, shall be established in BBVA Shares.  Both the Upfront Portion and the Deferred Compon ent of the Annual Variable Remuneration may be subject to update adjustments in cash. According to this remuneration scheme, during financial year 2019 a total of 21,916 BBVA shares corresponding to the Upfront Portion of 2018 Annual Variable Remuneration have been delivered to this staff in Portugal and Brazil. Additionally, during 2019 there have been delivered to this staff in Portugal and Brazil a total of 9,717 BBVA shares corresponding to the first third of the Deferred Component of 2017 Annual Variab le Remuneration, as well as 2,435 euros as adjustments for updates. A total of 12,365 BBVA shares corresponding to the second third of the Deferred Component of 2016 Annual Variable Remuneration and 5,810 euros as adjustments for updates; and a total of 10 ,460 BBVA shares corresponding to the last third of the Deferred Component of 2015 Annual Variable Remuneration and 8,786 euros as adjustments for updates. 44.2 Other administrative expense The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows: Other administrative expense (Millions of Euros) 2019 2018 2017 Technology and systems 1,216 1,133 1,018 Communications 218 235 269 Advertising 317 336 352 Property, fixtures and materials 552 982 1,033 Of which: Rent expense (*) 106 552 581 Taxes other than income tax 401 417 456 Other expense 1,258 1,271 1,412 Total 3,963 4,374 4,541 (*) The change is mainly due to the implementation of IFRS 16 on January 1, 2019 (see Note 2.1).

Note 45 - Depreciation

Note 45 - Depreciation	12 Months Ended
	Dec. 31, 2019
Depreciation and amortisation expense
Disclosure of Depreciation	45. Depreciation and amortization The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows: Depreciation and amortization (Millions of Euros) Notes 2019 2018 2017 Tangible assets 17 979 594 694 For own use 584 589 680 Investment properties 3 5 13 Right-of-use assets (*) 392 Other Intangible assets 18.2 620 613 694 Total 1,599 1,208 1,387 (*) The change is mainly due to the implementation of IFRS 16 on January 1, 2019 (see Note 2.1).

Note 46 - Provisions or reversa

Note 46 - Provisions or reversal provisions	12 Months Ended
	Dec. 31, 2019
Provisions or reversal of provisions Abstract
Provisions or Reversal Provisions	46. Provisions or (reversal) of provisions For the years ended December 31, 2019, 2018 and 2017, the net provisions recognized in this income statement line item were as follows: Provisions or (reversal) of provisions (Millions of Euros) Notes 2019 2018 2017 Pensions and other post employment defined benefit obligations 25 214 125 343 Commitments and guarantees given 93 (48) (313) Pending legal issues and tax litigation 170 133 318 Other provisions 140 163 397 Total 617 373 745

Note 47 - Impairment or reversa

Note 47 - Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss and revenue or loss net by modification	12 Months Ended
	Dec. 31, 2019
Impairment or reversal of impairment on financial assets not measured at fair value through profir or loss
Impairment or Reversal of Impairment on financial assets not measured at fair value through profir or loss	47. Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss or net gains by modification The breakdown of impairment or reversal of impairment on financial assets not measured at fair value through profit or loss by the nature of those assets in the accompanying consolidated income statements is as follows: Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss or net gains by modification (Millions of Euros) Notes 2019 2018 2017 Financial assets at fair value through other comprehensive income 82 1 1,127 Debt securities 82 1 (4) Equity instruments 1,131 Financial assets at amortized cost 4,069 3,980 3,677 Of which: recovery of written-off assets 7.1.5 919 589 558 Held to maturity investments (1) Total 4,151 3,981 4,803

Note 48 - Impairment or reversa

Note 48 - Impairment or reversal of impairment on non-financial assets	12 Months Ended
	Dec. 31, 2019
Impairment or reversal of impairment on non-financial assets
Impairment or Reversal of Impairment on non-financial assets	48. Impairment or (reversal) of impairment on non-financial assets The impairment losses on non-financial assets broken down by the nature of those assets in the accompanying consolidated income statements are as follows: Impairment or (reversal) of impairment on non-financial assets (Millions of Euros) Notes 2019 2018 2017 Tangible assets 17 94 5 42 Intangible assets (*) 1,330 83 16 Others 20 23 51 306 Total 1,447 138 364 (*) The balance of 2019 mainly corresponds to the impairment of the CGU in The United States (see Note 18).

Note 49 - Gains (losses) on der

Note 49 - Gains (losses) on derecognition of non financial assets and subsidiaries, net	12 Months Ended
	Dec. 31, 2019
Gains (losses) on derecognition of non financial assets and subsidiaries, net
Gains (losses) on derecognition of non financial assets and subsidiaries, Net	49. Gains (losses ) on derecognition of non financial assets and subsidiaries, net The breakdown of the balance under this heading in the accompanying consolidated income statements is as follows: Gains (losses) on derecognition of non-financial assets and subsidiaries, net (Millions of Euros) 2019 2018 2017 Disposal of investments in non-consolidated subsidiaries 9 55 38 Disposal of tangible assets and other 27 81 69 Disposal of investments in non-consolidated subsidiaries (2) (13) (27) Disposal of tangible assets and other (37) (45) (33) Total (3) 78 47

Note 50 - Profit or loss from n

Note 50 - Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations	12 Months Ended
	Dec. 31, 2019
Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations
Profit (loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations	50. Gain (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations The main items included in the balance under this heading in the accompanying consolidated income statements are as follows: Gain (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Millions of Euros) Notes 2019 2018 2017 Gains on sale of real estate 89 129 102 Impairment of non-current assets held for sale 21 (77) (208) (158) Gains (losses) on sale of investments classified as non-current assets held for sale (*) 10 894 82 Total 21 815 26 (*) The vari ation in year 2018 is mainly due to the sale of the BBVA stake in BBVA Chile (see Note 3).

Note 51 - Consolidated Statemen

Note 51 - Consolidated Statement Of Cash Flows	12 Months Ended
	Dec. 31, 2019
Consolidated statements of cash flows
Disclosure Of Cash Flow Statement Explanatory	51. Consol idated statements of cash flows In the consolidated statements of cash flows, balance of “Cash equivalent in central banks” includes short-term deposits at central banks recorded under the heading "Financial assets at amortized cost" in the accompanying consolidated balance sheets and does not include demand deposits with credit institutions recorded in the heading "Cash, balances in cash at Central Bank and other demand deposits". The variation between 2019 and 2018 of the financial liabilit ies from financing activities is the following: Liabilities from financing activities (Millions of Euros) December 31, 2018 Cash flows Non-cash changes December 31, 2019 Acquisition Disposal Foreign exchange movement Fair value changes Liabilities at amortized cost: Debt certificates 61,112 2,643 - - 209 - 63,963 Of which: Issuances of subordinated liabilities (*) 17,635 (190) - - 229 - 17,675 (*) Additionally, there are €384 million of issuances of subordinated liabilities as of December 2019 (see Note 22 and Appendix VI). The €40 million subordinated issuances of BBVA Parag uay as of December 2019 are recorded in the heading "Liabilities included in disposal groups classified as held for sale". Liabilities from financing activities (Millions of Euros) December 31, 2017 Cash flows Non-cash changes December 31, 2018 Acquisition Disposal Foreign exchange movement Fair value changes Liabilities at amortized cost: Debt certificates 61,649 2,152 - (1,828) (862) - 61,112 Of which: Issuances of subordinated liabilities (*) 17,443 857 - (694) 29 - 17,635 (*) Additionally, there were €411 million of issuances of subordinated liabilities as of December 2019 (see Note 22 and Appendix VI). The €574 million subordinated issuances of BBVA Chile as of December 2019 were recorded in the heading "Liabilities included in disposal groups classified as held for sale".

Note 52 - Accountant Fees And S

Note 52 - Accountant Fees And Services	12 Months Ended
	Dec. 31, 2019
Auditors Remuneration Abstract
Disclosure of Auditors Remuneration Explanatory	52. Accountant fees and services The details of the fees for the services contracted by entities of the BBVA Group for the years ended December 31, 2019, 2018 and 2017 with their respective auditors and other audit entities are as follows: Fees for Audits conducted and other related services (Millions of euros) (**) 2019 2018 2017 Audits of the companies audited by firms belonging to the KPMG worldwide organization and other reports related with the audit (*) 28.1 26.1 27.2 Other reports required pursuant to applicable legislation and tax regulations issued by the national supervisory bodies of the countries in which the Group operates, reviewed by firms belonging to the KPMG worldwide organization 1.5 1.5 1.9 Fees for audits conducted by other firms - 0.1 0.1 (*) Including fees pertaining to annual legal audits (€24.1, €22.4 and €22.6 million as of December 31, 2019, 2018 and 2017, respectively). (**) Regardless of the billed year. In the years ended December 31, 2019, 2018 and 2017, cert ain entities in the BBVA Group contracted other services (other than audits) as follows: Other services rendered (Millions of Euros) 2019 2018 2017 Firms belonging to the KPMG worldwide organization 0.3 0.3 0.5 This total of contracted services includes the detail of the services provided by KPMG Auditores, S.L. to BBVA, S.A. or its controlled companies at the date of preparation of these consolidated financial statements as follows: Fees for audits conducted (*) (Millions of Euros) 2019 2018 2017 Legal audit of BBVA, S.A. or its companies under control 6.5 6.7 6.8 Other audit services of BBVA, S.A. or its companies under control 5.5 5.9 5.0 Limited Review of BBVA, S.A. or its companies under control 0.9 1.1 0.9 Reports related to issuances 0.3 0.3 0.4 Assurance services and other required by the regulator 0.8 0.9 0.6 (*) Services provided by KPMG Auditores, S.L. to companies located in Spain, to the branch of BBVA in New York and to the branch of BBVA in London. The services provided by the auditors meet the independence requirements of the external auditor established under Audit of Accounts Law (Law 22/2015) and under the Sarbanes-Oxley Act of 2002 adopted by the Securities and Exchange Commission (SEC).

Note 53 - Related-Party Transac

Note 53 - Related-Party Transactions	12 Months Ended
	Dec. 31, 2019
Related Party Transactions Abstract
Disclosure of Related Party Transactions	53. Relate d-party transactions As financial institutions, BBVA and other entities in the Group engage in transactions with related parties in the normal course of their business. These transactions are not relevant and are carried out under normal market conditions. As of December 31, 2019, 2018, and 2017 the following are the transactions with related parties: 53.1 Transactions with significant shareholders As of December 31, 2019, 2018 and 2017, there were no shareholders considered significant (see Note 26). 53.2 Transactions with BBVA Group entities The balances of the main captions in the accompanying consolidated balance sheets arising from the transactions carried out by the BBVA Group with associates and joint venture entities accounted for using the equity method are as follows: Balances arising from transactions with entities of the Group (Millions of Euros) 2019 2018 2017 Assets Loans and advances to credit institutions 26 132 91 Loans and advances to customers 1,682 1,866 510 Liabilities Deposits from credit institutions 3 2 5 Customer deposits 453 521 428 Memorandum accounts Contingent commitments 166 152 114 Other contingent commitments given 1,042 1,358 1,175 Financial guarantees given 106 78 78 The balances of the main aggregates in the accompanying consolidated income statements resulting from transactions with associates and joint venture entities that are accounted for under the equity metho d are as follows: Balances of consolidated income statement arising from transactions with entities of the Group (Millions of Euros) 2019 2018 2017 Income statement Interest and other income 19 55 26 Interest expense 1 2 1 Fee and commission income 4 5 5 Fee and commission expense 53 48 49 There were no other material effects in the consolidated financial statements arising from dealings with these entities, other than the effects from using the equity method (see Note 2.1) and from the insurance poli cies to cover pension or similar commitments (see Note 25) and the derivatives transactions arranged by BBVA Group with these entities, associates and joint ventures. In addition, as part of its normal activity, the BBVA Group has entered into agreements a nd commitments of various types with shareholders of subsidiaries and associates, which have no material effects on the accompanying consolidated financial statements. 53.3 Transactions with members of the Board of Directors and Senior Management The amount and nature of the transactions carried out with members of the Board of Directors and Senior Management of BBVA is given below. T hese transactions belong to the Bank's ordinary business or traffic , are of little relevance and are carried out under normal market conditions. As of December 31, 2019 and 2018, the amount availed against the loans granted by the Group’s entities to the members of the Board of Directors amounted to €607 and €611 thousand, respectively. As of December 31, 2017, there were no loans granted by the Group’s entities to the members of the Board of Directors. As of December 31, 2019, 2018 and 2017, there were no loans granted to parties related to the members of the Board of Directors. As of December 31, 2019, 2018 and 2017, the amount availed against the loans granted by the Group’s entities to the members of Senior Management (excluding the executive di rectors) amounted to €4,414, €3,783 and €4,049 thousand, respectively. The amount availed against the loans granted to parties related to members of the Senior Management on those same dates amounted to €57, €69 and €85 thousand, respectively. As of Decemb er 31, 2019, 2018 and 2017 no guarantees had been granted to any member of the Board of Directors. As of December 31, 2019, 2018 and 2017, the amount availed against guarantees arranged with members of the Senior Management amounted to €10, €38 and €28 tho usand, respectively. As of December 31, 2019 the amount availed against commercial loans and guarantees arranged with parties related to the members of the Bank’s Board of Directors and the Senior Management totaled to €25 thousand. As of December 31, 2018 , no commercial loans and guarantees has been granted to parties related to the members of the Bank’s Board of Directors and the Senior Management. As of December 31, 2017 the amount availed against commercial loans and guarantees arranged with parties rel ated to the members of the Bank’s Board of Directors and the Senior Management totaled €8 thousand. The information on the remuneration of the members of the BBVA Board of Directors and Senior Management is included in Note 54. 53.4 Transactions with oth er related parties As of December 31, 2019, 2018 and 2017 , the Group did not conduct any transactions with other related parties that are not in the ordinary course of its business, which were not carried out at arm's-length market conditions and of margin al relevance; whose information is not necessary to give a true picture of the BBVA Group’s consolidated net equity, net earnings and financial situation.

Note 54 - Remuneration And Othe

Note 54 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management	12 Months Ended
	Dec. 31, 2019
Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Banks Senior Management Abstract
Disclosure of information about key management personnel Explanatory	54. Remuneration and other benefits for the Board of Directors and members of the Bank's Senior Management Remuneration received by non-executive directors in 2019 The remunerations paid to non-executive members of the Board of Directors during the 2019 financial year are indicated below, individualized and itemized: Remuneration for non-executive directors (Thousands of Euros) Board of Directors Executive Committee Audit Committee Risk and Compliance Committee Remunerations Committee Appointments and Corporate Governance Committee Technology and Cybersecurity Committee Other functions (1) Total Tomás Alfaro Drake 129 - - - 43 - 43 - 214 José Miguel Andrés Torrecillas 129 - 104 107 - 111 - 33 483 Jaime Caruana Lacorte 129 167 110 107 - - 14 - 527 Belén Garijo López 129 - 68 - 107 45 - - 348 Sunir Kumar Kapoor 129 - - - - - 43 - 172 Carlos Loring Martínez de Irujo 129 167 - 107 43 - - - 445 Lourdes Máiz Carro 129 - 68 - 43 14 - - 253 José Maldonado Ramos 129 167 - - - 45 - - 340 Ana Peralta Moreno 129 - 68 - 43 - - - 240 Juan Pi Llorens 129 - 24 214 - 31 43 53 493 Susana Rodríguez Vidarte 129 167 - 107 - 45 - - 447 Jan Verplancke 129 - - - - - 43 - 172 Total (2) 1,545 667 442 642 278 289 186 87 4,134 (1) Amounts received during the 2019 financial year by José Miguel Andrés Torrecillas, in his capacity as Deputy Chair of the Board of Directors, and by Juan Pi Llorens, in his capacity as Lead Director, positions for which they were appointed by resolution of the Board of Directors on 29 April 2019. (2) This in cludes the amounts corresponding to the position of member of the Board and of the various committees during the 2019 financial year. By resolution of the Board of Directors on 29 April 2019, the functions of some Board committees were redistributed, and t heir associated remunerations adapted to these changes in some cases. Also, during the 2019 financial year, €104 thousand have been paid out in casualty and healthcare insurance premiums for non-executive members of the Board of Directors. Remuneration rec eived by executive directors in 2019 Over the course of financial year 2019, the executive directors have received the amount of the Annual Fixed Remuneration corresponding to said financial year, established for each director in the Remuneration Policy fo r BBVA Directors, which was approved by the General Meeting held on 15 March 2019. In addition, the executive directors have received their Annual Variable Remuneration (AVR) for the 2018 financial year, which, in accordance with the settlement and payment system set out in the remuneration policy applicable to said year, was due to be paid to them during the 2019 financial year. In application of this settlement and payment system:  40% of the 2018 Annual Variable Remuneration corresponding to executive dir ectors has been paid in the 2019 financial year (the "Upfront Portion"); in equal parts in cash and BBVA shares.  The remaining 60% of the Annual Variable Remuneration has been deferred (40% in cash and 60% in shares) for a period of five years, and its acc rual and payment will be subject to compliance with a series of multi-year indicators (the "Deferred Portion"). The application of these indicators, calculated over the first three years of deferral, may lead to a reduction of the Deferred Portion, even in its entirety, but in no event may such amount be increased. Provided that the relevant conditions have been met, the resulting amount will then be paid, in cash and in BBVA shares, according to the following payment schedule: 60% in 2022, 20% in 2023 and the remaining 20% in 2024.  All the shares delivered to the executive directors as Annual Variable Remuneration, both as part of the Upfront Portion and the Deferred Portion, will be withheld for a period of one year after their delivery; this will not appl y to those shares transferred to honor the payment of taxes arising therefrom.  The Deferred Portion of the Annual Variable Remuneration payable in cash will be subject to updating under the terms established by the Board of Directors.  Executive directors may not use personal hedging strategies or insurance in connection with the remuneration and responsibility that may undermine the effects of alignment with prudent risk management.  The variable component of the remuneration for executive directors corresp onding to the 2018 financial year is limited to a maximum amount of 200% of the fixed component of the total remuneration, as agreed by the General Shareholders' Meeting held during that financial year.  Over the entire deferral and withholding period, the Annual Variable Remuneration for the executive directors will be subject to variable remuneration reduction and recovery arrangements (malus and clawback). Additionally, upon receipt of the shares, executive directors will not be allowed to transfer a number equivalent to twice their Annual Fixed Remuneration for at least three years after their delivery. Similarly, in accordance with the Remuneration Policy for BBVA Directors applicable in 2015 and in application of the settlement and payment system of the Annual Variable Remuneration for said financial year, the Group Executive Chairman and the executive director Head of Global Economics & Public Affairs ("Head of GE&PA") have received in 2019 the deferred Annual Variable Remuneration for the 2015 fina ncial year, delivery of which was due that year (50% of the Annual Variable Remuneration), after being adjusted downwards following the result of the TSR indicator. This remuneration has been paid in equal parts in cash and in shares, together with the cor responding update in cash, thus concluding payment of the Annual Variable Remuneration to the executive directors for the 2015 financial year. In accordance with the above, the remunerations paid to executive directors during the 2019 financial year are in dicated below, individualized and itemized: Annual Fixed Remuneration for 2019 (Thousands of Euros) Group Executive Chairman 2,453 Chief Executive Officer 2,179 Director de GE&PA 834 Total 5,466 In addition, in accordance with the current Remuneration Policy for BBVA Directors, during the 2019 financial year, the Chief Executive Officer ( Consejero Delegado) has received the corresponding amounts of fixed remuneration for the concepts of cash in lieu of pension, given that he does not have a retirement pension (see the Pension Commitments section of this Note), and mobility allowance. The Bank therefore paid the Chief Executi ve Officer the amount of €654 thousand and €506 thousand, respectively, for these concepts during the 2019 financial year. Annual Variable Remuneration for 2018 In cash (1) In shares (1) (thousands of Euros) Group Executive Chairman 479 100,436 Chief Executive Officer (2) 200 41,267 Head of GE&PA 79 16,641 Total 758 158,344 (1) Remunerations corresponding to the upfront portion (40%) of the AVR for the 2018 financial year (50% pa id in cash and 50% in BBVA shares). For the Group Executive Chair man and Chief Executive Officer, these variable remunerations are linked to their previous positions as Chief Executive Officer and President & CEO of BBVA USA, respectively. (2) Remunerati on received in US dollars. Data in thousands of Euros is for information purposes. Deferred Annual Variable Remuneration for 2015 In cash (1) In shares (1) (thousands of Euros) Group Executive Chairman 612 79,157 Head of GE&PA 113 14,667 Total 725 93,824 (1) Remunerations corresponding to deferred AVR for financial year 2015 (50% of the AVR for 2015, in equal parts in cash and shares), payment of which was due in 2019, together with its corresponding update in cash, and after its downward adjustment following the result of the TSR indicator. For the Group Executive Chairman, these variable remunerations relate to his previous position as Chief Executive Officer. In addition, the executive directors received remuneration in kind throughout financial year 2019, i ncluding insurance premiums and others, amounting to a total of €411 thousand, of which €184 thousand correspond to the Group Executive Chairman, €144 thousand to the Chief Executive Officer and €83 thousand to the executive director Head of GE&PA. Remuner ation received by Senior Management in 2019 During the 2019 financial year, the members of Senior Management, excluding executive directors, have received the amount of the Annual Fixed Remuneration corresponding to that financial year. In addition, they h ave received the Annual Variable Remuneration for financial year 2018, which, in accordance with the settlement and payment system set out in the remuneration policy applicable for said financial year, was due to be paid to them during financial year 2019. Under this settlement and payment system, the same rules as set out above for executive directors are applicable. These include, among others: 40% of the Annual Variable Remuneration, in equal parts in cash and in BBVA shares, will be paid in the financia l year following the year to which it corresponds (the "Upfront Portion"), and the remaining 60% will be deferred (40% in cash and 60% in shares) for a five-year period, with its accrual and payment being subject to compliance with a series of multi-year i ndicators (the "Deferred Portion"), applying the same payment schedule established for executive directors. The shares received will be withheld for a period of one year (this will not apply to those shares transferred to honour the payment of taxes arisin g therefrom). Likewise, senior management may not use personal hedging strategies or insurance in connection with the remuneration; the variable component of the remuneration for Senior Management corresponding to financial year 2018 will be limited to a m aximum amount of 200% of the fixed component of the total remuneration; and over the entire deferral and withholding period, the Annual Variable Remuneration will be subject to reduction and recovery (malus and clawback) arrangements. Similarly, in accorda nce with the remuneration policy applicable to the executive directors in 2015 and in application of the settlement and payment system of the Annual Variable Remuneration for said financial year, the members of the Senior Management who were beneficiaries of such remuneration, have received in 2019 the deferred portion of the Annual Variable Remuneration for financial year 2015, after being adjusted downwards following the result of the TSR indicator, in equal parts in cash and in shares, along with its upd ate in cash, concluding the payment of this remuneration to the members of the Senior Management. In accordance with the above, the remuneration paid during the 2019 financial year to all members of the Senior Management as a whole, who held that position as of 31 December 2019 (15 members), excluding executive directors, is indicated below (itemized): Annual Fixed Remuneration for 2019 (thousands of Euros) Senior Management total 13,883 Annual Variable Remuneration for 2018 In cash In shares (thousands of Euros) Senior Management total 887 185,888 (1) Remunerations corresponding to the upfront portion (40%) of the AVR for financial year 2018 (paid 50% in cash and 50% in BBVA shares). For those members of the Senior Management who were appointed by the Board of Directors on 20 December 2018 and 29 April, 30 July and 19 December 2019, this remuneration relates to their previous positions. Annual Variable Remuneration for 2015 In cash In shares (thousands of Euros) Senior Management total 1,263 163,215 (1) Remunerations corresponding to deferred AVR for financial year 2015 (50% of the AVR for 2015, in equal parts in cash and in shares), payment of which was due in 2019, together with its corresponding update in cash, and after its downward adjustment following the result of the TSR indicator. In addition, all members of Senior Management, excluding executive directors, have received remuneration in kind throughout the 2019 financial year, including insurance premiums and others, amounting to a total of €769 thousand. Remunerations of executive directors due in 2020 and subsequent financial years  Annual Variable Remuneration for executive directors for the 2019 financial year Following year-end 2019, the Annual Variable Remuneration for execut ive directors corresponding to said period has been determined, applying the conditions set out in the Remuneration Policy for BBVA Directors approved by the General Meeting on 15 March 2019. As in the previous financial year, the following settlement and payment system applies to this remuneration:  The Upfront Portion (40% of the 2019 Annual Variable Remuneration) will be paid, provided that the conditions are met, during the first quarter of 2020, in equal parts in cash and in shares, which amounts to €63 6 thousand and 126,470 BBVA shares in the case of the Group Executive Chairman; €571 thousand and 113,492 BBVA shares in the case of the Chief Executive Officer and €75 thousand and 14,998 BBVA shares in the case of the Head of GE&PA.  The remaining 60% of the 2019 Annual Variable Remuneration will be deferred (40% in cash and 60% in shares) over a five-year period (Deferred Portion), subject to compliance with the multi-year performance indicators determined by the Board of Directors at the start of financi al year 2019, which may lead to a reduction in the Deferred Portion, even in its entirety, but in no event may such amount be increased. These multi-year performance indicators will be calculated over the first three years of deferral and, provided that th e relevant conditions have been met, the resulting amount will then be paid, in cash and in BBVA shares, according to the following payment schedule: 60% after the third year of deferral; 20% after the fourth year of deferral; and the remaining 20% after t he fifth year of deferral. All the above is subject to the settlement and payment system set out in the Remuneration Policy for BBVA Directors, which includes, among others, malus and clawback arrangements and retention periods for the shares. The amounts corresponding to the deferred shares are detailed in the section "Other capital instruments – Remunerations based on Capital Instruments" and the cash part in "Other Liabilities/Other Accruals" in the consolidated balance sheet as of 31 December 2019.  Deferred Annual Variable Remuneration of executive directors for financial year 2016 Following year-end 2019, the deferred Annual Variable Remuneration of executive directors for financial year 2016 (50%) has been determined, with delivery, if conditions a re met, during financial year 2020, subject to the conditions established for this purpose in the remuneration policy applicable in that financial year. Thus, based on the result of each of the multi-year performance indicators set by the Board in 2016 to calculate the deferred portion of this remuneration, and in application of the relevant scales of achievement and their corresponding targets and weightings, the final amount of the deferred Annual Variable Remuneration for financial year 2016 has been det ermined, following the corresponding downward adjustment as a consequence of the result of the TSR indicator. As a result, such remuneration, including the corresponding updates, has been determined in an amount of €656 thousand and 89,158 BBVA shares in t he case of the Group Executive Chairman; €204 thousand and 31,086 BBVA shares in the case of the Chief Executive Officer; and €98 thousand and 13,355 BBVA shares in the case of the Head of GE&PA. With these amounts paid, there will be no more outstanding p ayments due to the executive directors in respect of Annual Variable Remuneration for the 2016 financial year. Lastly, as at year-end 2019, in addition to the abovementioned Deferred Portion of the Annual Variable Remuneration of the executive directors fo r financial year 2019 and in accordance with the conditions established in the remuneration policies applicable in previous years, 60% of the Annual Variable Remuneration corresponding to financial years 2017 and 2018 has been deferred and is pending payme nt to the executive directors and will be received in future years, if the applicable conditions are met. Remunerations of Senior Management due in 2020 and subsequent financial years  Annual Variable Remuneration of Senior Management for financial year 20 19 Following year-end 2019, the Annual Variable Remuneration of Senior Management corresponding to said financial year has been determined (15 members as of 31 December 2019, excluding executive directors). The Annual Variable Remuneration for all members of the Senior Management, excluding executive directors, has been determined to be a combined total amount of €6,363 thousand. The 2019 Annual Variable Remuneration for each member of Senior Management will be paid, in the first quarter of 2020, in accorda nce with the settlement and payment system applicable in each case and in accordance with the provisions of the BBVA Group's Remuneration Policy, if the applicable conditions are met, in an amount equal to €1,291 thousand and 257,907 BBVA shares (Upfront P ortion). The remaining amount will be deferred and subject to the remaining conditions of the settlement and payment system of the applicable Annual Variable Remuneration.  Determination of the Deferred Annual Variable Remuneration of Senior Management for financial year 2016 Following year-end 2019, the deferred Annual Variable Remuneration of Senior Management (15 members as of 31 December 2019, excluding executive directors) for financial year 2016 has been determined, with delivery, if conditions are met , taking place during financial year 2020, subject to the conditions established for this purpose in the applicable remuneration policy. Thus, based on the result of each of the multi-year performance indicators set by the Board in 2016 to calculate the de ferred portion of this remuneration, and in application of the relevant scales of achievement and their corresponding targets and weightings, the final amount of the deferred portion of the Annual Variable Remuneration for members of the Senior Management for financial year 2016 has been determined, following the corresponding downward adjustment as a consequence of the result of the TSR indicator. The combined total amount, excluding executive directors, has been determined to be €1,277 thousand and 196,89 9 BBVA shares, including the corresponding updates. With these amounts paid, there will be no more outstanding payments due to the Senior Management in respect of the Annual Variable Remuneration for the 2016 financial year. Lastly, in addition to the abov ementioned Deferred Portion of the Annual Variable Remuneration for financial year 2019, as at year-end 2019 and in accordance with the conditions established in the remuneration policies applicable in previous years, 60% of the Annual Variable Remuneratio n corresponding to financial years 2017 and 2018 has been deferred and is pending payment to the members of the Senior Management and will be received in future years if the applicable conditions are met. Remuneration system with deferred delivery of share s for non-executive directors BBVA has a remuneration system in shares with deferred delivery for its non-executive directors, which was approved by the General Shareholders' Meeting held on 18 March 2006 and extended by resolutions of the General Meetings held on 11 March 2011 and 11 March 2016 for an additional period of five years in each case. This system involves the annual allocation to non-executive directors of a number of "theoretical shares" of BBVA equivalent to 20% of the total remuneration rece ived in cash by each of them in the previous financial year. This is calculated according to the average closing prices of BBVA shares during the 60 trading sessions prior to the dates of the Annual General Shareholders' Meetings that approve the correspon ding annual financial statements for each financial year. These shares will be delivered to each beneficiary, where applicable, after they leave their positions as directors for reasons other than serious breach of their duties. The "theoretical shares" al located to non-executive directors who are beneficiaries of the remuneration system in shares with deferred delivery in financial year 2019, corresponding to 20% of the total remuneration in cash received by each of them in financial year 2018, are as foll ows: Theoretical shares allocated in 2019 Theoretical shares accumulated as at 31 December 2019 Tomás Alfaro Drake 10,138 93,587 José Miguel Andrés Torrecillas 19,095 55,660 Jaime Caruana Lacorte 9,320 9,320 Belén Garijo López 12,887 47,528 Sunir Kumar Kapoor 6,750 15,726 Carlos Loring Martínez de Irujo 17,515 116,391 Lourdes Máiz Carro 11,160 34,320 José Maldonado Ramos 15,328 94,323 Ana Peralta Moreno 5,624 5,624 Juan Pi Llorens 17,970 72,141 Susana Rodríguez Vidarte 17,431 122,414 Jan Verplancke 5,203 5,203 Total 148,421 672,237 Pension commitments with directors and Senior Management The Bank has not made pension commitments with non-executive directors. With regard to the Group Executive Chairman, the Remuneration Policy for BBVA Directors establishes a pension framework whereby he is eligible, provided that he does not leave his position as a result of a serious breach of duties, to receive a retirement pension, paid in either income or capital, when he reaches the legally established retirement age. The amount of this pension will be determined by the annual contributions made by the Bank, together with their corresponding accumulated yields as of that date. The annual contribution to cover the retirement contingency in the Group Executive Chairman's defined-contribution system, as established in the Remuneration Policy for BBVA Directors, was determined as a result of the conversion of his previous defined-benefit rights into a defined-contribution system, in the annual amount of €1,642 thousand. The Board of Directors may update this amount during the term of the Policy, in the same way and under the same terms as it may update the Annual Fixed Remuneration. 15% of the aforementioned agreed annual contribution will be based on variable components and considered "discretionary pension benefits", therefore subject to the conditions regarding delivery in shares, retention and clawback established in the applicable regulations, as well as any other conditions concerning variable remuneration that may be ap plicable in accordance with the Remuneration Policy for BBVA Directors. In the event the contractual relationship terminates before reaching retirement age for reasons other than serious breach of duties, the retirement pension due to the Group Executive C hairman upon reaching the legally established retirement age will be calculated based on the funds accumulated through the contributions made by the Bank under the terms set out, up to that date, plus the corresponding accumulated yield, with no additional contributions to be made by the Bank in any event from the time of termination. With respect to the commitments to cover the contingencies for death and disability benefits for the Group Executive Chairman, the Bank will undertake the payment of the corre sponding annual insurance premiums in order to top up the coverage of these contingencies. In line with the above, during the 2019 financial year, €1,919 thousand were recorded to meet the pension commitments for the Chairman. This amount includes the cont ribution to the retirement contingency (€1,642 thousand) and the payment of premiums for the death and disability contingencies (€278 thousand), as well as the negative adjustment of €1 thousand for “discretionary pension benefits” for the 2018 financial y ear, which were declared at 2018 year-end and had to be registered in the accumulated fund in 2019. As of 31 December 2019, the total accumulated amount of the fund to meet the retirement commitments for the Group Executive Chairman was €21,582 thousand. With regard to the agreed annual contribution to the retirement contingency corresponding to the 2019 financial year, 15% (€246 thousand) has been registered in that financial year as "discretionary pension benefits". Following year-end 2019, this amount h as been adjusted according to the criteria established to determine the Group Executive Chairman's Annual Variable Remuneration for 2019. Accordingly, the "discretionary pension benefits" for the 2019 financial year have been determined in an amount of €26 1 thousand, which will be included in the accumulated fund for financial year 2020, subject to the same conditions as the Deferred Portion of the Annual Variable Remuneration for financial year 2019, as well as to the remaining conditions established for t hese benefits in the Remuneration Policy for BBVA Directors. With regard to the Chief Executive Officer, in accordance with the provisions of the current Remuneration Policy for BBVA Directors and his contract, the Bank has not made any retirement commitme nts, although he is entitled to an annual cash sum instead of a retirement pension (cash in lieu of pension), equivalent to 30% of his Annual Fixed Remuneration. The Bank has also made pension commitments to cover the death and disability contingencies, fo r which purpose the corresponding annual insurance premiums will be paid. In accordance with the above, in the 2019 financial year the Bank has paid the Chief Executive Officer the amount of fixed remuneration as cash in lieu of pension set out in the “Rem uneration received by executive directors in 2019” section of this Note. Furthermore, €141 thousand were recorded for the payment of the annual insurance premiums to cover the death and disability contingencies. For the executive director Head of GE&PA, th e pension system provided for in the Remuneration Policy for BBVA Directors establishes an annual contribution of 30% of the Head of GE&PA's Annual Fixed Remuneration to cover the retirement contingency. 15% of the aforementioned agreed annual contribution will be based on variable components and considered "discretionary pension benefits", therefore subject to the conditions regarding delivery in shares, retention and clawback established in the applicable regulations, as well as any other conditions conce rning variable remuneration that may be applicable in accordance with the Policy. The executive director Head of GE&PA, upon reaching retirement age, will be entitled to receive, in the form of capital or income, the benefits arising from contributions mad e by the Bank to cover pension commitments, plus the corresponding yield accumulated up to that date, provided the executive director Head of GE&PA does not leave said position due to serious breach of duties. In the event of voluntary termination of the c ontractual relationship by the director before retirement, the benefits will be limited to 50% of the contributions made by the Bank up to that date, together with the corresponding accumulated yield, with no additional contributions to be made by the Bank in any event upon termination of the contractual relationship. With respect to the commitments to cover the contingencies for death and disability benefits for the executive director Head of GE&PA, the Bank will undertake the payment of the corresponding annual insurance premiums in order to top up the coverage under their pension system. In line with the above, during the 2019 financial year, €404 thousand have been recorded to meet the pension commitments for the executive director Head of GE&PA. This am ount includes the contribution to the retirement contingency (€250 thousand) and the payment of premiums to cover the death and disability contingencies (€150 thousand), as well as €4 thousand corresponding to the adjustment made to the amount of "discreti onary pension benefits" for financial year 2018, as declared at 2018 year-end and which had to be registered in the accumulated fund in 2019. As of 31 December 2019, the total accumulated amount of the fund to meet the retirement commitments for the execut ive director Head of GE&PA amounts to €1,404 thousand. With regard to the annual contribution agreed for the retirement contingency, 15% (€38 thousand) has been registered in 2019 as "discretionary pension benefits" and, following year-end 2019, this amoun t has been adjusted according to the criteria established to determine the executive director Head of GE&PA's Annual Variable Remuneration for 2019. Accordingly, the "discretionary pension benefits" for the financial year have been determined in an amount of €40 thousand, which will be included in the accumulated fund for financial year 2020, subject to the same conditions as the Deferred Portion of the Annual Variable Remuneration for financial year 2019, as well as the remaining conditions established for these benefits in the Remuneration Policy for BBVA Directors. In addition, during the 2019 financial year, €3,281 thousand have been recorded to meet the pension commitments for members of the Senior Management (15 members holding that position as of 31 D ecember 2019, excluding executive directors). This amount includes both the contribution to the retirement contingency (€2,656 thousand) and the payment of premiums to cover the death and disability contingencies (€627 thousand), as well as the negative ad justment of €2 thousand for “discretionary pension benefits” for the 2018 financial year, as declared at 2018 year-end, and which had to be registered in the accumulated fund in 2019. At 31 December 2019, the total accumulated amount of the fund to meet th e retirement commitments for members of the Senior Management amounts to €20,287 thousand. 15% of the agreed annual contributions for members of the Senior Management to cover retirement contingencies will be based on variable components and considered "di scretionary pension benefits", therefore subject to the conditions regarding delivery in shares, retention and clawback established in the applicable regulations, as well as any other conditions concerning variable remuneration that may be applicable in ac cordance with the remuneration policy applicable to members of the Senior Management. Accordingly, with regard to the agreed annual contribution for the retirement contingency registered in the 2019 financial year, an amount of €389 thousand has been registered as "discretionary pension benefits" during the 2019 financial year and, following year-end 2019, this amount has been adjusted according to the same criteria established to determine the Senior Management's Annual Variable Remuneration for 2019. Accordingly, the "discretionary pension benefits" for members of the Senior Management for the financial year have been determined in an amount of €402 thousand, which will be included in the accumulated fund for financial year 2020, subject to the same c onditions as the Deferred Portion of Annual Variable Remuneration for financial year 2019, as well as the remaining conditions established for these benefits in the remuneration policy applicable to members of the Senior Management. Payments for the termin ation of the contractual relationship In accordance with the Remuneration Policy for BBVA Directors, the Bank has no commitments regarding severance payments to executive directors. With regard to Senior Management, excluding executive directors, the Bank has paid out a total of €8,368 thousand during financial year 2019, resulting from the termination of the contractual relationship with four senior managers with an average length of service in the Group of 25 years, in execution of their contracts. These contracts include the right to receive the relevant legal indemnity, provided that termination of their contract is not due to voluntary leave, retirement, disability or serious breach of their duties. The amount of this pay will be calculated in accordanc e with the provisions of applicable labor regulations. In some cases, the contracts also include the right to an amount additional to the legal indemnity, which will be considered variable remuneration in accordance with the solvency regulations that apply to this group, as well as notice clauses. In line with the above, as of 31 December 2019, €1,199 thousand is pending payment and will be paid, if conditions are met, in accordance with the same schedule and regulations of the settlement and payment system applicable to the Annual Variable Remuneration for financial year 2019, as established in the remuneration policy applicable to the members of Senior Mana

Note 55 - Other Information

Note 55 - Other Information	12 Months Ended
	Dec. 31, 2019
Other Information
Other information	55. Other information Environmental impact Given the activities BBVA Group entities engage in, the Group has no environmental liabilities, expenses, assets, provisions or contingencies that could have a significant effect on its consolidated equity, financial situation and profits. Consequently, as of December 31, 2019, there is no item included that requires disclosure in an environmental information report pursuant to Ministry JUS/318/2018, of March 21, by which the new model for the present ation in the Commercial Register of the consolidated annual accounts of the subjects obliged to its publication is approved.

Note 56 - Subsequent Events

Note 56 - Subsequent Events	12 Months Ended
	Dec. 31, 2019
Subsequent Events
Disclosure Of Events After Reporting Period Explanatory	56. Subsequent events On January 31, 2020 it was announced that it was foreseen to submit to the consideration of the corresponding government bodies the proposal of cash payment in a gross amount of euro 0.16 per share to be paid in April 2020 as final dividend for 2019 (see Note 4). From January 1, 2020 to the date of preparation of these consolidated financial statements, no other subsequent events not mentioned above in these financial statements have taken place that could significantly affe ct the Group’s earnings or its equity position.

Acounting Policies - Principles

Acounting Policies - Principles Of Consoldiation, Acounting policies and measurement bases applied and recent IFRS pronouncements (Policies)	12 Months Ended
	Dec. 31, 2019
Disclosure of significant accountig policies abstract
Accounting Policy For Financial Instruments	2.2 Accounting policies and valuation criteria applied The accounting standards and policies and the valuation criteria applied in preparing these Consolidated Financial Statements may differ from those used by some of the entities within the BBVA Group. For this reason, necessary adjustments and reclassifications have been made in the consolidation process to standardize these principles and criteria and comply with the IFRS -IASB . The accounting standards and policie s and valuation criteria used in preparing the accompanying Consolidated Financial Statements are as follows: 2.2.1 Financial instruments IFRS 9 became effective as of January 1, 2018 and replaced IAS 39 regarding the classification and measurement of fi nancial assets and liabilities, the impairment of financial assets and hedge accounting. Currently , the Group has elected to continue the application of IAS 39 for hedge accounting, as permitted by IFRS 9. The disclosures for the financial year 2017 relate d to the measurement of financial assets and liabilities, the definition of impaired financial assets, and the method for calculating the impairment on financial assets, which are presented for the purpose of comparability, are based on the accounting policies and valuation criteria applicable under IAS 39. The main aspects regarding IAS 39, applicable until December 31, 2017, are as follows: Measurement of financial instruments IAS 39 established the following three categories for the recognition of fi nancial assets, not applicable under IFRS 9, valued as follows:  “Available-for-sale financial assets”: Assets recognized under this heading were measured at their fair value. Subsequent changes in fair value (gains or losses) were recognized temporarily ne t of tax effect, under the heading “Accumulated other comprehensive income- Items that may be reclassified to profit or loss -Available-for-sale financial assets”.  “ Loans and receivables” and “Held-to-maturity investments”: Assets and liabilities recognized under these headings were subsequently measured at “amortized cost” using the “effective interest rate” method. This was because the consolidated entities generally intend to hold such fin ancial instruments to maturity.  Equity instruments whose fair valu e could not be determined in a sufficiently objective manner and financial derivatives that have those instruments as their underlying asset and are settled by delivery of those instruments were recorded at acquisition cost; adjusted, where appropriate, fo r any impairment loss. Impairment losses on financial assets The method for calculating the impairment of financial assets under IAS 39 was based on incurred losses; impairment losses were recognized only if there was objective evidence of impairment. In other words, an event of a loss had to occur after initial recognition, so that the impairment loss could have been recognized. First, the Group would determine whether there was objective evidence of impairment individually for individually significant de bt instrument s , and collectively for debt instrument s that were not individually significant. If the Group determined that there was no objective evidence of impairment, the assets were classified in groups of debt instrument s based on similar risk charact eristics and impairment was assessed collectively. The impairment on financial assets was determined by type of instrument and other circumstances that could have affected it, taking into account the guarantees received to assure (in part or in full) the p erfo rmance of the financial assets. The information used under such model was past information, adjusted in order to reflect the effect of the conditions in such reporting period, which did not affect the period matching past information, and avoid the eff ect of the conditions that did not exist. The model did not allow the use of prospective information. In the case of equity instruments classified as available for sale, valued at fair value, when there was objective evidence that the negative differences that arose on measurement of these equity instruments were due to impairment, they were no longer registered as “Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Available-for-sale financial assets” and were recog nized in the consolidated income statement. In general, the Group considered that there was objective evidence of impairment on equity instruments classified as available-for-sale when significant unrealized losses had existed over a sustained period of ti me due to a price reduction of at least 40% or over a period of more than 18 months. When applying this evidence of impairment, the Group took into account the volatility in the price of each individual equity instrument to determine whether it was a perce ntage that could be recovered through its sale in the market; other different thresholds could have existed for certain equity instruments or specific sectors. In addition, for individually significant investments, the Group compared the valuation of the m ost significant equity instruments against valuations performed by independent experts. Classification and measurement of financial assets Classification of financial assets IFRS 9 contains three main categories for financial assets classification: measured at amortized cost, measured at fair value with changes through other comprehensive income, and measured at fair value through profit or loss. The classification of financial assets measured at amortized cost or fair value must be carried out on th e basis of two tests: the entity's business model and the assessment of the contractual cash flow, commonly known as the "solely payments of principle and interest" criterion (hereinafter, the SPPI). A debt instrument will be classified in the amortized co st portfolio if the two following conditions are fulfilled:  The financial asset is managed within a business model whose purpose is to maintain the financial assets to maturity, to receive contractual cash flows; and  In accordance with the contractual characteristics of the instrument its cash flows only represent the return of the principal and interest, basically understood as consideration for the time value of money and the debtor's credit risk. A debt instrument will be classified in the portfolio of financial assets at fair value with changes through other comprehensive income if the two following conditions are fulfilled:  The financial asset is managed with a business model whose purpose combines collection of the contractual cash flows and sale o f the assets, and  The contractual characteristics of the instrument generate cash flows which only represent the return of the principal and interest . A debt instrument will be classified at fair value with changes in profit and loss provided that the enti ty's business model for their management or the contractual characteristics of its cash flows do not require classification into one of the portfolios described above. In general, equity instruments will be measured at fair value through profit or loss. Ho wever the Group may make an irrevocable election , at initial recognition to present subsequent changes in the fair value through “ other comprehensive income ” . Financial assets will only be reclassified when BBVA Group decides to change the business model. In this case, all of the financial assets assigned to this business model will be reclassified. The change of the objective of the business model should occur before the date of the reclassification. Measurement of financial assets All financial instruments are initial ly recognized at fair value, plu s those transaction costs which are directly attributable to the issue of the particular instrument for those cases in which financial assets are not classified at fai r value through profit or loss. Ex cluding all derivatives not considered as accounting or economic hedges, all the changes in the fair value of the financial instruments arising from the accrual of interest and similar items are recognized under the headings “Interest and other income” or “Interest expense”, as appropriate, in the accompanying consolidated income statement in the period in which the change occurred (see Note 37). The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as described below, according to the categories of financial assets. “Financial assets held for trading”, “Non-trading financial assets mandatorily at fair value through profit and loss” and “Financial assets designated at fair value through profit or loss” Financial assets are recorded under the heading “Financial assets held for trading” if the objective of the business model is to generate gains by buying and selling these financial instruments or generate short-term results. The financial assets recorded in the heading “Non-trading financial assets mandatorily at fair value through profit and loss” are assigned to a business model which objective is to obtain the contractual cash flows and / or to sell those instruments but it s contractual cash flows do not comply with the requirements of the SPPI test. Financial assets are classified in “Financial assets designated at fair value through profit or loss” only if it eliminates or significantly reduces a measuremen t or recognition inconsistency (an ‘accounting mismatch’) that would otherwise arise from measuring financial assets or financial liabilities, or recognizing gains or loss es on them, on different bases. The assets recognized under these headings of the consolidated balance sheet are measured upon acquisition at fair value and changes in the fair value (gains or losses) are recognized as their net value under the headings “Gains (losses) on financial assets and liabilities held for trading, net”, “Gains (losses) on no n-trading financial assets mandatorily at fair value through profit and loss, net” and “Gains (losses) on financial assets designated at fair value through profit or loss, net” in the accompanyi ng consolidated income statement (see Note 41). C hanges in fa ir value resulting from variations in foreign exchange rates are recognized under the heading Gains (losses) on financial assets and liabilities, net in the accompanying consolidated income statements (Note 41). ”Financial assets at fair value through othe r comprehensive income”  Debt instruments Assets recognized under this heading in the consolidated balance sheets are measured at their fair value. This category of valuation implies the recognition of the information in the income statement as if it were an instrument valued at amortized cost, while the instrument is valued at fair value in the balance sheet. Thus, both the interests of these instruments and the exchange differences and impairment that arise in their case are recorded in the profit and loss account, while s ubsequent changes in its fair value (gains or losses) are recognized temporarily (by the amount net of tax effect ) under the head ing “Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Fair value changes of debt instruments measured at fair value through other comprehensive income” in the consolidated balance sheets (see Note 30). The amounts recognized under the headings “Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Fair value changes of financial assets measured at fair value through other comprehensive income” continue to form part of the Group's consolidated equity until the corresponding asset is derecognized from the consolidated balance sheet or until a loss allowance is recognized on the corresponding financial instrument. If these assets are sold, these amounts are derecognized and included under the headings “Gains (losses) on financial assets and liabilities, net” (see Note 41). The net loss allowances in “Financial assets at fair value through other comprehensive income” over the year are recognized under the heading “ Loss allowances on fi nancial assets, net – Financial assets at fair value through other comprehensive income” (see Note 47) in the consolidated income statement for that period. Interests of th ese instruments are recorded in the consolidated profit and loss account (see Note 37). Changes in foreign exchange rates are recognized under the heading “Exchange differences, net" in the accompanying consolidated income statements (see Note 41).  Equity instruments The BBVA Group, at the time of the initial recognition, may elect to present changes in the fair value in other comprehensive income of an investment in an equity instrument that is not held for trading. The election is irrevocable and can be made on an instru ment-by-instrument basis. Subsequent changes in fair value (gains or losses) are recognized under the heading “Accumulated other comprehensive income (loss) – Items that will not be reclassified to profit or loss – Fair value changes of equity instruments measured at fair value through other comprehensive income”. “Financial assets at amortized cost” The assets under this category are subsequently measured at amortized cost, using the effective interest rate method. Net loss allowances of assets recorded under these headings arising in each period are recognized under the heading “Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss – financial assets measured at cost” (see Note 47) in the consolidated income statement for that period. Classification and measurement of financial liabilities Classification of financial liabilities Under IFRS 9, financial liabilities are classified in the following categories:  Financial liabilities at amortized cost;  Financial liabilities that are held for trading , including derivatives , are financial instruments which are recorded in this category when the Group’s objective is to generate gains by buying and selling these financial instruments;  Financi al liabilities that are designated at fair value through profit or loss on initial recognition under the Fair Value Option. The Group has the option to designate irrevocably , on the initial moment of recognition , a financial liability as at fair value thro ugh profit or loss provided that doing so results in the elimination or significant reduction of measurement or recognition inconsistency, or if a group of financial liabilities, or a group of financial assets and financial liabilities, has to be managed, and its performance evaluated, on a fair value basis in accordance with a documented risk management or investment strategy. Measurement of financial liabilities All financial instruments are initially recognized at fair value except for those transaction costs which are directly attributable to the issue of the particular financial liability, for those cases in which financial liabilities are not classified at fai r value through profit or loss. Excluding all trading derivatives not c onsidered as accounting or economic hedges, all the changes in the fair value of the financial instruments arising from the accrual of interest and similar items are recognized under the headings “Interest and other income” or “Interest expense”, as approp riate, in the accompanying consolidated income statement in the period in which the change occurred (see Note 37). The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as de scribed below, according to the categories of financial liabilities. “Financial liabilities held for trading” and “Financial liabilities designated at fair value through profit or loss“ The subsequent changes in the fair value (gains or losses) of the liabilities recognized under these headings of the consolidated balance sheets are recognized as their net value under the headings “Gains (losses) on financial assets and liabilities held for trading, net” and “Gains (losses) on financial assets and liabi lities designated at fair value through profit or loss, net” in the accompanying consolidated income statements (see Note 41), except for the financial liabilities designated at fair value through profit and loss under the fair value option for which the a mount of change in the fair value that is attributable to changes in the own credit risk which is presented in under the heading “Accumulated other comprehensive income (loss) – Items that will not be reclassified to profit or loss – Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk” . However, changes in fair value resulting from variations in foreign exchange rates are recognized under the heading Gains (losses) on financial assets and liabilities, net in the accompanying consolidated income statements (Note 41). “Financial liabilities at amortized cost” The liabilities under this category are subsequently measured at amortized cost, using the “ effective interest rate ” method. “ Derivatives-Hedge Accounting” and “Fair value changes of the hedged items in portfolio hedges of interest-rate risk ” Assets and liabilities recognized under these headings in the accompanying consolidated balance sheets are measured at fair value. Changes occurring subsequent to the designation of the hedging relationship in the measurement of financial instruments designated as hedged items as well as financial instruments designated as hedge accounting instruments are recognized as follows:  In fair value hedges, the changes in the fair value of the derivative and the hedged item attributable to the hedged risk are recogniz ed under the heading “Gains (l osses ) from hedge accounting, net” in the consolidated income statement, with a corresponding offset under the headings where hedging items ("Hedging derivatives") and the hedged items are recognized, as applicable , except for interest-rate risks hedges (which are a lmost all of the hedges used by the Group ) , for which the valuation changes are recognized under the headings “Interest and other income” or “Interest expense”, as appropriate, in the accompanying consolidated income statement (see Note 37).  In fair value hedges of interest rate risk of a portfolio of financial instruments (portfolio-hedges), the gai ns or losses that arise in the measurement of the hedging instrument are recognized in the consolidated income statement, with counterpart on the headings “Derivatives-Hedge Accounting” and the gains or losses that arise from the change in the fair value o f the hedged item (attributable to the hedged risk) are also recognized in the consolidated income statement (in both ca ses under the heading “Gains ( losses ) from hedge accounting, net”, using, as a balancing item, the headings "Fair value changes of the h edged items in portfolio hedges of interest rate risk" in the consolidated balance sheets, as applicable).  In cash flow hedges, the gain or loss on the hedging instruments relating to the effective portion are recognized temporarily under the heading ”Accu mulated other comprehensive income - Items that may be reclassified to profit or loss - Hedging derivatives. Cash flow hedges” in the consolidated balance sheets, with a balancing entry under the heading “Hedging derivatives” of the Assets or Liabilities o f the consolidated balance sheets as applicable. These differences are recognized under the headings “Interest and other income ” or “Interest expense” at the time when the gain or loss in the hedged instrument affects profit or loss, when the forecast tran saction is executed or at the maturity date of the hedged item (see Note 37).  Differences in the measurement of the hedging items corresponding to the ineffective portions of cash flow hedges are recognized di rectly in the heading “Gains ( losses ) from hedge accounting, net” in the consolidated income statement (see Note 41).  In the hedges of net investments in foreign operations, the differences attributable to the effective portions of hedging items are recognized temporarily under the heading "A ccumulated other comprehensive income - Items that may be reclassified to profit or loss – Hedging of net investments in foreign transactions" in the consolidated balance sheets with a balancing entry under the heading “Hedging derivatives” of the Assets o r Liabilities of the consolidated balance sheets as applicable. These differences in valuation are recognized under the heading “Exchange differences, net" in the consolidated income statement when the investment in a foreign operation is disposed of or de recognized (see Note 41). Loss allowances on financial assets Definition of impaired financial assets The impairment model is applied to financial assets valued at amortized cost and to financial assets valued at fair value with changes in accumulated other comprehensive income, except for investments in equity instruments and contracts for financial guarantees and loan commitments unilaterally revocable by BBVA. Likewise, all the financial instruments valued at fair value with change through profit and loss are excluded from the impairment model . The standard classifies financial instruments into three categories, which depend on the evolution of their credit risk from the moment of initial recognition. The first category includes the transactions when they are initially recognized (Stage 1); the second comprises the financial assets for which a significant increase in credit risk has been identified since its initial recognition (Stage 2) and the third one, the impaired financial assets (Stage 3). The c alculation of the provisions for credit risk in each of these three categories must be done differently. In this way, expected loss up to 12 months for the financial assets classified in the first of the aforementioned categories must be recorded, while ex pected losses estimated for the remaining life of the financial assets classified in the other two categories must be recorded. Thus, IFRS 9 differentiates between the following concepts of expected loss:  Expected loss at 12 months: expected credit loss that arises from possible default events within 12 months following the presentation date of the financial statements; and  Expected loss during the life of the transaction: this is the expected credit loss that arises fr om all possible default events over the remaining life of the financial instrument. All this requires considerable judgment, both in the modeling for the estimation of the expected losses and in the forecasts, on how the economic factors affect such losses, which must be carried out o n a weighted probability basis. The BBVA Group has applied the following definitions:  Default BBVA has applied a definition of default for financial instruments that is consistent with that used in internal credit risk ma nagement, as well as the indicators under applicable regulation. Both qualitative and quantitative indicators have been considered. The Group has considered there is a default when one of the following situations occurs:  Payment past-due for more than 90 days; or  there are reasonable doubts regarding the full reimbursement of the instrument. In accordance w ith IFRS 9, the 90-day past-due stipulation may be waived in cases where the entity considers it appropriate, based on reasonable and documented information that it is appropriate to use a longer term. As of December 31, 201 9 , the Group has not considered periods higher than 90 days for any of the significant portfolios.  Credit impaired asset An asset is credit-impaired according to IFRS 9 if one or more events have occurred and they have a detrimental impact on the estimated future cash flows of the asset. Evidence that a financial asset is credit-impaired includes observable data about the following events:  Significant financial difficulty of the issuer or the borrower,  A breach of contract (e.g. a default or past due event),  A lender having granted a concession to the borrower – for economic or contractual reasons relating to the borrower’s financial difficulty – that the lender would not otherwise consider,  I t becoming probable that the borrower will enter bankruptcy or other financial reorganization,  T he disappearance of an active market for that financial asset because of financial difficulties, or  T he purchase or origination of a financial asset at a deep discount that refl ects the incurred credit losses. It may not be possi ble to identify a single discrete event. Instead, the combined effect of several events may cause financial assets to become credit-impaired. The definition of impaired financial assets in the Group is aligned with the definition of default explained in the above paragraphs.  Significant increase in credit risk The objective of the impairment requirements is to recognize lifetime expected credit losses for financial instruments for which there have been significant increases in credit risk since initial r ecognition considering all reasonable and supportable information, including that which is forward-looking. The model developed by the Group for assessing the significant increase in credit risk has a two-prong approach that is applied globally, although t he specific characteristics of each geographic area are respected:  Quantitative criterion: the Group uses a quantitative analysis based on comparing the current expected probability of default over the life of the transaction with the original adjusted exp ected probability of default, so that both values are comparable in terms of expected default probability for their residual life. The thresholds used for considering a significant increase in risk take into account special cases according to geographic ar eas and portfolios. Depending on the age of transactions at the time of implementation of the standard, some simplification s were made to compare the probabilities of default between the current and the initial moment, based on the best information availab le at that moment.  Qualitative criterion: most indicators for detecting significant risk increase are included in the Group's systems through rating/scoring systems or macroeconomic scenarios, so the quantitative analysis covers the majority of circumstances. The Group will use additional qualitative criteria when it considers it necessary to include circumstances that are not reflected in the rating/score systems o r macroeconomic scenarios used. Additionally, instruments under one of the following circumstances are considere d Stage 2:  More than 30 days past due. According to IFRS 9, default of more than 30 days is a presumption that can be rebutted in those cases in which the entity considers, based on reasonable and documented information, that such non-payment does not repr esent a significant increase in risk. As of December 31, 201 9 , the Group has not considered periods higher than 30 days for any of the significant portfolios.  Watch list: They are subject to special watch by the Risk units because they show negative signs in their credit quality, even though there may be no objective evidence of impairment.  Refinance or restructuring that does not show evidence of impairment. Although the standard introduces a series of operational simplifications or practical solutions for analyzing the increase in significant risk, the Group does not use them as a general rule. However, for high-quality assets, mainly related to certain government institutions and bodies, the standard allows for considering that their credit risk has not i ncreased significantly because they have a low credit risk at the presentation date. Thus the classification of financial instruments subject to impairment under IFRS 9 is as follows:  Stage 1– without significant increase in credit risk Financial assets which are not considered to have significantly increased in credit risk have loss allowances measured at an amount equal to 12 months expected credit losses derived from defaul t s .  Stage 2– significant increases in credit risk When the credit risk of a fina ncial asset has increased significantly sin ce the initial recognition, the loss allowances of that financial instrument is calculated as the expected credit loss during the entire life of the asset.  Stage 3 – Impaired When there is objective evidence that the instrument is credit impaired, the financial asset is transferred to this category in which the provision for losses of that financial instrument is calculated as the expected credit loss during the entire life of the asset. When the recovery of any r ecognized amount is considered remote, such amount is written-off on the consolidated balance sheet, without prejudice to any actions that may be taken in order to collect the amount until the rights extinguish in full either because it is time-barred debt , the debt is forgiven, or other reasons. Method for calculating e xpected credit loss Method for calculating expected loss In accordance with IFRS 9, the measurement of expected losses must reflect:  A considered and unbiased amount, determined by evaluat ing a range of possible results;  the time value of money, and  reasonable and supportable information that is available without undue cost or effort and that reflects current conditions and forecasts of future economic conditions. The Group measures the exp ected losses both individually and collectively. The purpose of the Group's individual measurement is to estimate expected losses for significant impaired instruments, or instruments classified in Stage 2. In these cases, the amount of credit losses is cal culated as the difference between expected discounted cash flows at the effective interest rate of the transaction and the car rying amount of the instrument. For the collective measurement of expected losses the instruments are grouped into groups of asset s based on their risk characteristics. Exposure within each group is segmented according to the common credit risk characteristics, similar characteristics of the credit risk, indicative of the payment capacity of the borrower in accordance with their cont ractual conditions. These risk characteristics have to be relevant in estimating the future flows of each group. The characteristics of credit risk may consider, among others, the following factors:  Type of instrument.  Rating or scoring tools.  Credit risk scoring or rating.  Type of collateral.  Amount of t ime at default for stage 3.  Segment.  Qualitative criteria which can have a significant increase in risk.  Collateral value if it has an impact on the probability of a default event. The estimated losses are derived from the following parameters:  PD: estimate of the probability of default in each period.  EAD: estimate of the exposure in case of default at each future period, taking into account the changes in exposure after the presentation date of the financ ial statements.  LGD: estimate of the loss in case of default, calculated as the difference between the contractual cash flows and rec eivables, including guarantees. In the case of debt securities, the Group supervises the changes in credit risk through mon itoring the external published credit ratings. To determine whether there is a significant increase in credit risk that is not reflected in the published ratings, the Group also monitor s the changes in bond yields, and when they are available, the prices of CDS, together with the news and regulatory inform ation available on the issuers. Use of present, past and future information IFRS 9 requires incorporation of present, past and future information to detect any significant increase in risk and measure ex pected loss. The standard does not require identification of all possible scenarios for measuring expected loss. However, the probability of a loss event occurring and the probability it will not occur have to be considered, even though the possibility of a loss may be very low. Also, when there is no linear relation between the different future economic scenarios and their associated expected losses, more than one future economic scenario mu st be used for the measurement. The approach used by the Group co nsists of using first the most probable scenario (baseline scenario) consistent with that used in the Group's internal management processes, and then applying an additional adjustment, calculated by considering the weighted average of expected losses in ot her economic scenarios (one more positi
Classification and measurement of financial assets under IFRS 9	Classification and measurement of financial assets Classification of financial assets IFRS 9 contains three main categories for financial assets classification: measured at amortized cost, measured at fair value with changes through other comprehensive income, and measured at fair value through profit or loss. The classification of financial assets measured at amortized cost or fair value must be carried out on the basis of two tests: the entity's business model and the assessment of the contractual cash flow, commonly known as the "solely payments of principle and interest" criterion (hereinafter, the SPPI). A debt instrument will be classified in the amortized cost portfolio if the two following conditions are fulfilled: The financial asset is managed within a business model whose purpose is to maintain the financial assets to maturity, to receive contractual cash flows; and In accordance with the contractual characteristics of the instrument its cash flows only represent the return of the principal and interest, basically understood as consideration for the time value of money and the debtor's credit risk. A debt instrument will be classified in the portfolio of financial assets at fair value with changes through other comprehensive income if the two following conditions are fulfilled: The financial asset is managed with a business model whose purpose combines collection of the contractual cash flows and sale of the assets, and The contractual characteristics of the instrument generate cash flows which only represent the return of the principal and interest. A debt instrument will be classified at fair value with changes in profit and loss provided that the entity's business model for their management or the contractual characteristics of its cash flows do not require classification into one of the portfolios described above. In general, equity instruments will be measured at fair value through profit or loss. However the Group may make an irrevocable election, at initial recognition to present subsequent changes in the fair value through “other comprehensive income”. Financial assets will only be reclassified when BBVA Group decides to change the business model. In this case, all of the financial assets assigned to this business model will be reclassified. The change of the objective of the business model should occur before the date of the reclassification. Measurement of financial assets All financial instruments are initially recognized at fair value, plus those transaction costs which are directly attributable to the issue of the particular instrument for those cases in which financial assets are not classified at fair value through profit or loss. Excluding all derivatives not considered as accounting or economic hedges, all the changes in the fair value of the financial instruments arising from the accrual of interest and similar items are recognized under the headings “Interest and other income” or “Interest expense”, as appropriate, in the accompanying consolidated income statement in the period in which the change occurred (see Note 37). The changes in fair value after the initial recognition, for reasons other than those mentioned in the preceding paragraph, are treated as described below, according to the categories of financial assets. “Financial assets held for trading”, “Non-trading financial assets mandatorily at fair value through profit and loss” and “Financial assets designated at fair value through profit or loss” Financial assets are recorded under the heading “Financial assets held for trading” if the objective of the business model is to generate gains by buying and selling these financial instruments or generate short-term results. The financial assets recorded in the heading “Non-trading financial assets mandatorily at fair value through profit and loss” are assigned to a business model which objective is to obtain the contractual cash flows and / or to sell those instruments but its contractual cash flows do not comply with the requirements of the SPPI test. Financial assets are classified in “Financial assets designated at fair value through profit or loss” only if it eliminates or significantly reduces a measurement or recognition inconsistency (an ‘accounting mismatch’) that would otherwise arise from measuring financial assets or financial liabilities, or recognizing gains or losses on them, on different bases. The assets recognized under these headings of the consolidated balance sheet are measured upon acquisition at fair value and changes in the fair value (gains or losses) are recognized as their net value under the headings “Gains (losses) on financial assets and liabilities held for trading, net”, “Gains (losses) on non-trading financial assets mandatorily at fair value through profit and loss, net” and “Gains (losses) on financial assets designated at fair value through profit or loss, net” in the accompanying consolidated income statement (see Note 41). Changes in fair value resulting from variations in foreign exchange rates are recognized under the heading Gains (losses) on financial assets and liabilities, net in the accompanying consolidated income statements (Note 41). ”Financial assets at fair value through other comprehensive income” Debt instruments Assets recognized under this heading in the consolidated balance sheets are measured at their fair value. This category of valuation implies the recognition of the information in the income statement as if it were an instrument valued at amortized cost, while the instrument is valued at fair value in the balance sheet. Thus, both the interests of these instruments and the exchange differences and impairment that arise in their case are recorded in the profit and loss account, while subsequent changes in its fair value (gains or losses) are recognized temporarily (by the amount net of tax effect) under the heading “Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Fair value changes of debt instruments measured at fair value through other comprehensive income” in the consolidated balance sheets (see Note 30). The amounts recognized under the headings “Accumulated other comprehensive income- Items that may be reclassified to profit or loss - Fair value changes of financial assets measured at fair value through other comprehensive income” continue to form part of the Group's consolidated equity until the corresponding asset is derecognized from the consolidated balance sheet or until a loss allowance is recognized on the corresponding financial instrument. If these assets are sold, these amounts are derecognized and included under the headings “Gains (losses) on financial assets and liabilities, net” (see Note 41). The net loss allowances in “Financial assets at fair value through other comprehensive income” over the year are recognized under the heading “Loss allowances on financial assets, net – Financial assets at fair value through other comprehensive income” (see Note 47) in the consolidated income statement for that period. Interests of these instruments are recorded in the consolidated profit and loss account (see Note 37). Changes in foreign exchange rates are recognized under the heading “Exchange differences, net" in the accompanying consolidated income statements (see Note 41). Equity instruments The BBVA Group, at the time of the initial recognition, may elect to present changes in the fair value in other comprehensive income of an investment in an equity instrument that is not held for trading. The election is irrevocable and can be made on an instrument-by-instrument basis. Subsequent changes in fair value (gains or losses) are recognized under the heading “Accumulated other comprehensive income (loss) – Items that will not be reclassified to profit or loss – Fair value changes of equity instruments measured at fair value through other comprehensive income”. “Financial assets at amortized cost” The assets under this category are subsequently measured at amortized cost, using the effective interest rate method. Net loss allowances of assets recorded under these headings arising in each period are recognized under the heading “Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss – financial assets measured at cost” (see Note 47) in the consolidated income statement for that period.
Measurement of financial assets and liabilities under IAS 39 applicable in the financial years 2017 and 2016	Financial instruments IFRS 9 became effective as of January 1, 2018 and replaced IAS 39 regarding the classification and measurement of fi nancial assets and liabilities, the impairment of financial assets and hedge accounting. Currently , the Group has elected to continue the application of IAS 39 for hedge accounting, as permitted by IFRS 9. The disclosures for the financial year 2017 relate d to the measurement of financial assets and liabilities, the definition of impaired financial assets, and the method for calculating the impairment on financial assets, which are presented for the purpose of comparability, are based on the accounting policies and valuation criteria applicable under IAS 39. The main aspects regarding IAS 39, applicable until December 31, 2017, are as follows: Measurement of financial instruments IAS 39 established the following three categories for the recognition of fi nancial assets, not applicable under IFRS 9, valued as follows:  “Available-for-sale financial assets”: Assets recognized under this heading were measured at their fair value. Subsequent changes in fair value (gains or losses) were recognized temporarily ne t of tax effect, under the heading “Accumulated other comprehensive income- Items that may be reclassified to profit or loss -Available-for-sale financial assets”.  “ Loans and receivables” and “Held-to-maturity investments”: Assets and liabilities recognized under these headings were subsequently measured at “amortized cost” using the “effective interest rate” method. This was because the consolidated entities generally intend to hold such fin ancial instruments to maturity.  Equity instruments whose fair valu e could not be determined in a sufficiently objective manner and financial derivatives that have those instruments as their underlying asset and are settled by delivery of those instruments were recorded at acquisition cost; adjusted, where appropriate, fo r any impairment loss.
Derivatives hedge accounting and fair value changes of the hedged items in portfolio hedges of interest rate risk applicable in the financial years 2018 2017 and 2016	“ Derivatives-Hedge Accounting” and “Fair value changes of the hedged items in portfolio hedges of interest-rate risk ” Assets and liabilities recognized under these headings in the accompanying consolidated balance sheets are measured at fair value. Changes occurring subsequent to the designation of the hedging relationship in the measurement of financial instruments designated as hedged items as well as financial instruments designated as hedge accounting instruments are recognized as follows:  In fair value hedges, the changes in the fair value of the derivative and the hedged item attributable to the hedged risk are recogniz ed under the heading “Gains (l osses ) from hedge accounting, net” in the consolidated income statement, with a corresponding offset under the headings where hedging items ("Hedging derivatives") and the hedged items are recognized, as applicable , except for interest-rate risks hedges (which are a lmost all of the hedges used by the Group ) , for which the valuation changes are recognized under the headings “Interest and other income” or “Interest expense”, as appropriate, in the accompanying consolidated income statement (see Note 37).  In fair value hedges of interest rate risk of a portfolio of financial instruments (portfolio-hedges), the gai ns or losses that arise in the measurement of the hedging instrument are recognized in the consolidated income statement, with counterpart on the headings “Derivatives-Hedge Accounting” and the gains or losses that arise from the change in the fair value o f the hedged item (attributable to the hedged risk) are also recognized in the consolidated income statement (in both ca ses under the heading “Gains ( losses ) from hedge accounting, net”, using, as a balancing item, the headings "Fair value changes of the h edged items in portfolio hedges of interest rate risk" in the consolidated balance sheets, as applicable).  In cash flow hedges, the gain or loss on the hedging instruments relating to the effective portion are recognized temporarily under the heading ”Accu mulated other comprehensive income - Items that may be reclassified to profit or loss - Hedging derivatives. Cash flow hedges” in the consolidated balance sheets, with a balancing entry under the heading “Hedging derivatives” of the Assets or Liabilities o f the consolidated balance sheets as applicable. These differences are recognized under the headings “Interest and other income ” or “Interest expense” at the time when the gain or loss in the hedged instrument affects profit or loss, when the forecast tran saction is executed or at the maturity date of the hedged item (see Note 37).  Differences in the measurement of the hedging items corresponding to the ineffective portions of cash flow hedges are recognized di rectly in the heading “Gains ( losses ) from hedge accounting, net” in the consolidated income statement (see Note 41).  In the hedges of net investments in foreign operations, the differences attributable to the effective portions of hedging items are recognized temporarily under the heading "A ccumulated other comprehensive income - Items that may be reclassified to profit or loss – Hedging of net investments in foreign transactions" in the consolidated balance sheets with a balancing entry under the heading “Hedging derivatives” of the Assets o r Liabilities of the consolidated balance sheets as applicable. These differences in valuation are recognized under the heading “Exchange differences, net" in the consolidated income statement when the investment in a foreign operation is disposed of or de recognized (see Note 41).
Impairment losses on financial assets	Loss allowances on financial assets Definition of impaired financial assets The impairment model is applied to financial assets valued at amortized cost and to financial assets valued at fair value with changes in accumulated other comprehensive income, except for investments in equity instruments and contracts for financial guarantees and loan commitments unilaterally revocable by BBVA. Likewise, all the financial instruments valued at fair value with change through profit and loss are excluded from the impairment model . The standard classifies financial instruments into three categories, which depend on the evolution of their credit risk from the moment of initial recognition. The first category includes the transactions when they are initially recognized (Stage 1); the second comprises the financial assets for which a significant increase in credit risk has been identified since its initial recognition (Stage 2) and the third one, the impaired financial assets (Stage 3). The c alculation of the provisions for credit risk in each of these three categories must be done differently. In this way, expected loss up to 12 months for the financial assets classified in the first of the aforementioned categories must be recorded, while ex pected losses estimated for the remaining life of the financial assets classified in the other two categories must be recorded. Thus, IFRS 9 differentiates between the following concepts of expected loss:  Expected loss at 12 months: expected credit loss that arises from possible default events within 12 months following the presentation date of the financial statements; and  Expected loss during the life of the transaction: this is the expected credit loss that arises fr om all possible default events over the remaining life of the financial instrument. All this requires considerable judgment, both in the modeling for the estimation of the expected losses and in the forecasts, on how the economic factors affect such losses, which must be carried out o n a weighted probability basis. The BBVA Group has applied the following definitions:  Default BBVA has applied a definition of default for financial instruments that is consistent with that used in internal credit risk ma nagement, as well as the indicators under applicable regulation. Both qualitative and quantitative indicators have been considered. The Group has considered there is a default when one of the following situations occurs:  Payment past-due for more than 90 days; or  there are reasonable doubts regarding the full reimbursement of the instrument. In accordance w ith IFRS 9, the 90-day past-due stipulation may be waived in cases where the entity considers it appropriate, based on reasonable and documented information that it is appropriate to use a longer term. As of December 31, 201 9 , the Group has not considered periods higher than 90 days for any of the significant portfolios.  Credit impaired asset An asset is credit-impaired according to IFRS 9 if one or more events have occurred and they have a detrimental impact on the estimated future cash flows of the asset. Evidence that a financial asset is credit-impaired includes observable data about the following events:  Significant financial difficulty of the issuer or the borrower,  A breach of contract (e.g. a default or past due event),  A lender having granted a concession to the borrower – for economic or contractual reasons relating to the borrower’s financial difficulty – that the lender would not otherwise consider,  I t becoming probable that the borrower will enter bankruptcy or other financial reorganization,  T he disappearance of an active market for that financial asset because of financial difficulties, or  T he purchase or origination of a financial asset at a deep discount that refl ects the incurred credit losses. It may not be possi ble to identify a single discrete event. Instead, the combined effect of several events may cause financial assets to become credit-impaired. The definition of impaired financial assets in the Group is aligned with the definition of default explained in the above paragraphs.  Significant increase in credit risk The objective of the impairment requirements is to recognize lifetime expected credit losses for financial instruments for which there have been significant increases in credit risk since initial r ecognition considering all reasonable and supportable information, including that which is forward-looking. The model developed by the Group for assessing the significant increase in credit risk has a two-prong approach that is applied globally, although t he specific characteristics of each geographic area are respected:  Quantitative criterion: the Group uses a quantitative analysis based on comparing the current expected probability of default over the life of the transaction with the original adjusted exp ected probability of default, so that both values are comparable in terms of expected default probability for their residual life. The thresholds used for considering a significant increase in risk take into account special cases according to geographic ar eas and portfolios. Depending on the age of transactions at the time of implementation of the standard, some simplification s were made to compare the probabilities of default between the current and the initial moment, based on the best information availab le at that moment.  Qualitative criterion: most indicators for detecting significant risk increase are included in the Group's systems through rating/scoring systems or macroeconomic scenarios, so the quantitative analysis covers the majority of circumstances. The Group will use additional qualitative criteria when it considers it necessary to include circumstances that are not reflected in the rating/score systems o r macroeconomic scenarios used. Additionally, instruments under one of the following circumstances are considere d Stage 2:  More than 30 days past due. According to IFRS 9, default of more than 30 days is a presumption that can be rebutted in those cases in which the entity considers, based on reasonable and documented information, that such non-payment does not repr esent a significant increase in risk. As of December 31, 201 9 , the Group has not considered periods higher than 30 days for any of the significant portfolios.  Watch list: They are subject to special watch by the Risk units because they show negative signs in their credit quality, even though there may be no objective evidence of impairment.  Refinance or restructuring that does not show evidence of impairment. Although the standard introduces a series of operational simplifications or practical solutions for analyzing the increase in significant risk, the Group does not use them as a general rule. However, for high-quality assets, mainly related to certain government institutions and bodies, the standard allows for considering that their credit risk has not i ncreased significantly because they have a low credit risk at the presentation date. Thus the classification of financial instruments subject to impairment under IFRS 9 is as follows:  Stage 1– without significant increase in credit risk Financial assets which are not considered to have significantly increased in credit risk have loss allowances measured at an amount equal to 12 months expected credit losses derived from defaul t s .  Stage 2– significant increases in credit risk When the credit risk of a fina ncial asset has increased significantly sin ce the initial recognition, the loss allowances of that financial instrument is calculated as the expected credit loss during the entire life of the asset.  Stage 3 – Impaired When there is objective evidence that the instrument is credit impaired, the financial asset is transferred to this category in which the provision for losses of that financial instrument is calculated as the expected credit loss during the entire life of the asset. When the recovery of any r ecognized amount is considered remote, such amount is written-off on the consolidated balance sheet, without prejudice to any actions that may be taken in order to collect the amount until the rights extinguish in full either because it is time-barred debt , the debt is forgiven, or other reasons.
Explanation Of Credit Risk Management Practices And How They Relate To Recognition And Measurement Of Expected Credit Losses	Method for calculating e xpected credit loss Method for calculating expected loss In accordance with IFRS 9, the measurement of expected losses must reflect:  A considered and unbiased amount, determined by evaluat ing a range of possible results;  the time value of money, and  reasonable and supportable information that is available without undue cost or effort and that reflects current conditions and forecasts of future economic conditions. The Group measures the exp ected losses both individually and collectively. The purpose of the Group's individual measurement is to estimate expected losses for significant impaired instruments, or instruments classified in Stage 2. In these cases, the amount of credit losses is cal culated as the difference between expected discounted cash flows at the effective interest rate of the transaction and the car rying amount of the instrument. For the collective measurement of expected losses the instruments are grouped into groups of asset s based on their risk characteristics. Exposure within each group is segmented according to the common credit risk characteristics, similar characteristics of the credit risk, indicative of the payment capacity of the borrower in accordance with their cont ractual conditions. These risk characteristics have to be relevant in estimating the future flows of each group. The characteristics of credit risk may consider, among others, the following factors:  Type of instrument.  Rating or scoring tools.  Credit risk scoring or rating.  Type of collateral.  Amount of t ime at default for stage 3.  Segment.  Qualitative criteria which can have a significant increase in risk.  Collateral value if it has an impact on the probability of a default event. The estimated losses are derived from the following parameters:  PD: estimate of the probability of default in each period.  EAD: estimate of the exposure in case of default at each future period, taking into account the changes in exposure after the presentation date of the financ ial statements.  LGD: estimate of the loss in case of default, calculated as the difference between the contractual cash flows and rec eivables, including guarantees. In the case of debt securities, the Group supervises the changes in credit risk through mon itoring the external published credit ratings. To determine whether there is a significant increase in credit risk that is not reflected in the published ratings, the Group also monitor s the changes in bond yields, and when they are available, the prices of CDS, together with the news and regulatory inform ation available on the issuers. Use of present, past and future information IFRS 9 requires incorporation of present, past and future information to detect any significant increase in risk and measure ex pected loss. The standard does not require identification of all possible scenarios for measuring expected loss. However, the probability of a loss event occurring and the probability it will not occur have to be considered, even though the possibility of a loss may be very low. Also, when there is no linear relation between the different future economic scenarios and their associated expected losses, more than one future economic scenario mu st be used for the measurement. The approach used by the Group co nsists of using first the most probable scenario (baseline scenario) consistent with that used in the Group's internal management processes, and then applying an additional adjustment, calculated by considering the weighted average of expected losses in ot her economic scenarios (one more positive and the other more negative). The main macroeconomic variables that are valued in each of the scenarios for each of the geographies in which the Group operates are Gross Domestic Product (GDP), interest rates, unem ployment rate and price of real estate properties .
Accounting Policy For Derecognition Of Financial Instruments	Transfers and derecognition of financial assets and liabilities The accounting treatment of transfers of financial assets is determined by the form in which risks and benefits associated with the financial assets involved are transferred to third parties. Thus the financial assets are only derecognized from the consolidated balance sheet when the cash flows that they generate are extinguished, when their implicit risks and benefits have been substa ntially transferred to third parties or when the control of financial asset is transferred even in case of no physical transfer or substantial retention of such assets. In the latter case, the financial asset transferred is derecognized from the consolidat ed balance sheet, and any right or obligation retained or created as a result of the transfer is simultaneously recognized. Similarly, financial liabilities are derecognized from the consolidated balance sheet only if their obligations are extinguished or acquired (with a view to subsequent cancellation or renewed placement). The Group is considered to have transferred substantially all the risks and benefits if such risks and benefits account for the majority of the risks and benefits involved in ownership of the transferred financial assets. If substantially all the risks and benefits associated with the transferred financial asset are retained:  The transferred financial asset is not derecognized from the consolidated balance sheet and continues to be meas ured using the same criteria as those used before the transfer.  A financial liability is recognized at the amount equal to the amount received, which is subsequently measured at amortized cost or fair value with changes in the income statement, whichever t he case.  Both the income generated on the transferred (but not derecognized) financial asset and the expense of the new financial liability continue to be recognized. Treatment of securitizations The securitizations to which the Group entities transfer their credit portfolios are consolidated entities of the Group. For more information, refer to Note 2.1 “Principles of consolidation”. The Group considers that the risks and benefits of the securitizations are substantially retained if the subordinated bon ds are held and/ or if subordination funding has been granted to those securitization funds , which means that the credit loss risk of the securitized assets will be assumed. Consequently, the Group is not derecognizing those transferred loan portfolios. On the other hand, the Group has carried out synthetic securitizations, which are transactions where risk is transferred through derivatives or financial guarantees and in which the exposure of these securitizations remains in the balance sheet of the Group . The Group has established the synthetic securitizations through received financial guarantees. As for the commissions paid, they are accrued during the term of the financial guarantee .
Description Of Accounting Policy For Financial Guarantees	Financial guarantees Financial guarantees are considered to be those contracts that require their issuer to make specific payments to reimburse the holder of the financial guarantee for a loss incurred when a specific borrower breaches its payment obligations on the terms – whether original or subsequently modified – of a debt instrument, irrespective of the legal form it may take. Financial guarantees may take the form of a deposit, bank guarantee, insurance contract or credit derivative, among others. In their initial recognition, financial guarantees are recognized as liabilities in the consolidated balance sheet at fair value, which is generally the present value of the fees, commissions and interest receivable from these contracts over the term thereof, and the Group simultaneously recognize s a corresponding asset in the consolidated balance sheet for the amount of the fees and commissions received at the inception of the transactions and the amounts receivable at the present value of the fees, commissions and interest outstanding. Financial guarantees, irrespectiv e of the guarantor, instrumentation or other circumstances, are reviewed periodically so as to determine the credit risk to which they are exposed and, if appropriate, to consider whether a provision is required for them. The credit risk is determined by a pplication of criteria similar to those established f or quantifying loss allowances on debt instruments measured at amortized cost (see Note 2.2.1). The provisions recognized for financial guarantees are recognized under the heading “Provisions - Provision s for contingent risks and commitments” on the liability side in the consolidated balance sheets (see Note 24). These provisions are recognized and reversed with a charge or credit, respectively to “Provisions or reversal of provision” in the consolidated income statements (see Note 46). Income from financial guarantees is recorded under the heading “Fee and commission income” in the consolidated income statement and is calculated by applying the rate established in the related contract to the nominal amoun t of the guarantee (see Note 40). Synthetic securitizations made by the Group to date meet the requirements of the accounting regulations for accounting as guarantees. Consideration as a financial guarantee means recognition of the commission paid for it o ver the period.
Description Of Accounting Policy For Non current Assets Or Disposal Groups Classified As Held For Sale	2.2.4 Non-current assets and disposal groups classified as held for sale and liabilities included in disposal groups classified as held for sale The headings “Non-current assets and disposal groups classified as held for sale” and “Liabilities included in disposal groups classified as held for sale” in the consolidated balance sheet include the carrying amount of assets that are not part of the BBVA Group’s operating activities. The recovery of this carrying amount is expected to ta ke place through the price obtained on its disposal (see Note 21). These headings include individual items and groups of items (“disposal groups”) and disposal groups that form part of a major operating segment and are being held for sale as part of a disp osal plan (“discontinued operations”). The heading “Non-current assets and disposal groups classified as held for sale” include the assets received by the subsidiaries from their debtors, in full or partial settlement of the debtors’ payment obligations (a ssets foreclosed or received in payment of debt and recovery of lease finance transactions), unless the Group has decided to make continued use of these assets. The BBVA Group has units that specialize in real estate management and the sale of this type of asset. Symmetrically, the heading “Liabilities included in disposal groups classified as held for sale” in the consolidated balance sheet reflects the balances payable arising from disposal grou ps and discontinued operations. Non-current assets and dispos al groups classified as held for sale are generally measured, at the acquisition date and at any later date deemed necessary, at either their carrying amount or the fair value of the property (less costs to sell), whichever is lower. In the case of real es tate assets foreclosed or received in payment of debts, they are initially recognized at the lower of: the restated carrying amount of the financial asset and the fair value at the time of the foreclosure or receipt of the asset less estimated sales costs. The carrying amount of the financial asset is updated at the time of the foreclosure, treating the real property received as a secured collateral and taking into account the credit risk coverage that would correspond to it according to its classification prior to the delivery. For these purposes, the collateral will be valued at its current fair value (less sale costs) at the time of foreclosure. This carrying amount will be compared with the previous carrying amount and the difference will be recognized a s a provision increase, if applicable. On the other hand, the fair value of the foreclosed asset is obtained by appraisal, evaluating the need to apply a discount on the asset derived from the specific conditions of the asset or the market situation for th ese assets, and in any case, deducting the company’s estimated sale costs. At the time of the initial recognition, these real estate assets foreclosed or received in payment of debts, classified as “Non-current assets and disposal groups classified as held for sale” and “Liabilities included in disposal groups classified as held for sale” are valued at the lower of: their restated fair value less estimated sale costs and their carrying amount; a deterioration or impairment reversal can be recognized for the difference if applicable. Non-current assets and disposal groups held for sale groups classified as held for sale are not depreciated while included under the heading “Non-current assets and disposal groups classified as held for sale”. Fair value of non- current assets held for sale from foreclosures or recoveries is based, mainly, in appraisals or valuations made by independent experts on an annual basis or more frequently, should the re be indicators of impairment. Gains and losses generated on the dispos al of assets and liabilities classified as non-current held for sale, and liabilities included in disposal groups classified as held for sale as well as impairment losses and, where pertinent, the related recoveries, are recognized in “ Gains (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations” in the consolidated income statement (see Note 50). The remaining income and expense items associated with these assets and liabilities are classi fied within the relevant consolidated income statement headings. Income and expense for discontinued operations, whatever their nature, generated during the year, even if they have occurred before their classification as discontinued operations, are presented net of the tax effect as a single amount under the heading “Profit (loss) after tax from discontinued operations” in the consolidated income statement, whether the business remains on the consolidated balance sheet or is derecognized from the consolidated balance sheet. As long as an asset remains in this category, it will not be amortized. This heading includes the earnings from their sale or other disposal.
Description Of Accounting Policy For Property Plant And Equipment Explanatory	Property, plant and equipment for own use This heading includes the assets under ownership or acquired under lease terms (right to use) , intended for future or current use by the BBVA Group and that it expects to hold for more than one year. It also includes tangible assets received by the consolidated entities in full or partial settlement of financial assets representing receivables from third parties which are expected to be held for continuing use. For more information regarding the accounting treatment of right to use assets under lease terms, see Note 2.2.19 "Leases". Property, plant and equipment for own use are presented in the consolidated balance sheets at acquisition cost, less any accumulated depreciation and, where appropriate, any estimated impairment losses resulting from comparing this net carrying amount of each item with its corresponding recoverable amount (see Note 17). Depreciation is calculated using the straight-line method, during the useful life of the asset , on the basis of the acquisition cost of the assets less their residual value; the land is con sidered to have an indefinite life and is therefore not depreciated. The tangible asset depreciation charges are recognized in the accompanying consolidated income statements under the heading "Depreciation and Amortization" (see Note 45) and are based on the application of the following depreciation rates (determined on the basis of the average years of estimated useful life of the various assets): Depreciation rates for tangible assets Type of assets Annual Percentage Buildings for own use 1% - 4% Furniture 8% - 10% Fixtures 6% - 12% Office supplies and hardware 8% - 25% At each reporting date, the Group entities analyze whether there are internal or exte rnal indicators that a tangible asset may be impaired. When there is evidence of impairment, the Group analyzes whether this impairment actually exists by comparing the asset’s net carrying amount with its recoverable amount ( defined as the higher between its recoverable amount less disposal costs and its value in use). When the carrying amount exceeds the recoverable amount, the carrying amount is written down to the recoverable amount and depreciation charges going forward are adjusted to reflect the asse t’s remaining useful life. Similarly, if there is any indication that the value of a previously impaired tangible asset is now recoverable, the consolidated entities will estimate the recoverable amounts of the asset and recognize it in the consolidated in come statement, recording the reversal o f the impairment loss recognized in previous years and thus adjusting future depreciation charges. Under no circumstances may the reversal of an impairment loss on an asset raise its carrying amount above that which it would have if no impairment losses had been recognized in prior years. In the BBVA Group, most of the buildings held for own use are assigned to the different Cash-Generating-Units (CGU) to which they belong. The corresponding impairment analyses are pe rformed for these CGUs to check whether sufficient cash flows are generated to support the value of the assets comprised within. Operatin g and maintenance expense relating to tangible assets held for own use are recognized as an expense in the year they are incurred and recognized in the consolidated income statements under the heading "Administration costs - Other admin istrative expense - Property, fixtures and materials " (see Note 44.2). Other assets leased out under an operating lease The criteria used to recognize the acquisition cost of assets leased out under operating leases, to calculate their depreciation and their respective estimated useful lives and to recognize the impairment losses on them, are the same as those described in relation to tangible assets for own use. Investment properties The heading “Tangible assets - Investment properties” in the consolidated balance sheets reflects the net values (purchase cost minus the corresponding accumulated depreciation and, if appropri ate, estimated impairment losses) of the land, buildings and other structures that are held either to earn rentals or for capital appreciation through sale and that are neither expected to be sold off in the ordinary course of business nor are destined for own use (see Note 17). The criteria used to recognize the acquisition cost of investment properties, calculate their depreciation and their respective estimated useful lives and recognize the impairment losses on them, are the same as those described in r elation to tangible assets held for own use. The BBVA Group determines periodically the fair value of its investment properties in such a way that, at the end of the financial year, the fair value reflects the market conditions of investment property asset s’ market at s uch date. This fair value will be determined taking as references the valuations performed by independent experts.
Descripition Of Accounting Policy For Inventories Explanatory	Inventories The balance under the heading “Other assets - Inventories” in the consolidated balance sheets mainly includes the land and other properties that the BBVA Group’s real estate entities hold for development and sale as part of their real estate development activities (see Note 20). The cost of inventories includes those costs incurred in their acquisition and development, as well as other direct and indirect costs incurred in getting them to their current condition and location. In the case of the cost of real estate assets accounted for as inventories, the cost is comprised of: the acquisition cost of the land, the cost of urban planning and construction, non-recoverable taxes and costs corresponding to construction supervision, coordination and management. Financing cost incurred during the year form part of cost, provided that the inventories require more than a year to be in a condition to be sold. Properties purchased from customers in distress, which the Group manages for sale, are measured at the acquisition date and any subsequent time, at either their related carrying amount or the net realizable val ue of the property, whichever is lower. The carrying amount at acquisition date of these properties is defined as the balance pending collection on those assets that originated said purchases ( net of provisions).
Description Of Accounting Policy For Measuring Inventories	Inventory sales In sale transactions, the carrying amount of inventories is derecognized from the consolidated balance sheet and recognized as an expense under the income statement h eading "Other operating expense – Change in inventories” in the year in which the income from its sale is recognized. This income is recognized under the heading “Other operating income – Gains from sales of non-financial services” in the consolidated income statements (see Note 42).
Description Of Accounting Policy For The Impairment Of Inventories	Impairment The amount of any subsequent adj ustment due to inventory valuation for reasons such as damage, obsolescence, reduction in sale price to its net realizable value, as well as losses for other reasons and, if appropriate, subsequent recoveries of value up to the limit of the initial cost va lue, are recognized under the heading "Impairment or reversal of impairment on non-financial assets” in the accompanying consolidated income statements for the year in which they are incurred (see Note 48) . In the case of the above mentioned real-estate as sets, if the net realizable value is lower than the carrying amount of the loan recognized in the consolidated balance sheet, a loss is recognized under the heading "Impairment or reversal of impairment on non-financial assets" in the consolidated income s tatement for the year. In the case of real-estate assets accounted for as inventories, the BBVA Group’s criterion for determining their net realizable value is mainly based on independent appraisals no more than one year old, or less if there are indicatio ns of impairment.
Description Of Accounting Policy For Business Combinations Explanatory	Business combinations A business combination is a transaction, or any other deal, by which the Group obtains control of one or more businesses. It is accounted for by applying the “ acquisition method ” . According to this method, the acquirer has to recognize the ass ets acquired and the liabilities and contingent liabilities assumed, including those that the acquired entity had not recognized in the accounts. The method involves the measurement of the consideration received for the business combination and its allocat ion to the assets, liabilities and contingent liabilities measured according to their fair value, at the purchase date, as well as the recognition of any non-controlling participation (minority interests) that may arise from the transaction. In a business combination achieved in stages, the acquirer shall measure its previously held equity interest in the acquiree at its acquisition-date fair value and recognize the resulting gain or loss, if any, in profit or loss under the heading “Gains (losses) on derec ognition of non-financial assets and subsidiaries, net” of the consolidated income statements. In prior reporting periods, the acquirer may have recognized changes in the value of its equity interest in the acquiree in other comprehensive income. If so, th e amount that was recognized in other comprehensive income shall be recognized on the same basis as would be required if the acquirer had disposed directly of the previously held equity interest. In addition, the acquirer shall recognize an asset in the co nsolidated balance sheet under the heading “Intangible asset - Goodwill” if on the acquisition date there is a positive difference between:  t he sum of the consideration transferred, the amount of all the non-controlling interests and the fair value of stock previously hel d in the acquired business; and  the net fair value of the assets acquired and liabilities assumed. If this difference is negative, it shall be recognized directly in the income statement under the heading “Negative goodwill recognized in pr ofit or loss”. Non-controlling interests in the acquired entity may be measured in two ways: either at their fair value; or at the proportional percentage of net assets identified in the acquired entity. The method of valuing non-controlling interest may be elected in each business combination. BBVA Group has always elected for the second method.
Description Of Accounting Policy For Goodwill Explanatory	Goodwill Goodwill represents a portion of consideration transferred in advance by the acquiring entity for the future economic benefits from assets that cannot be individually identified and separately recognized. Goodwill is never amortized. It is subject periodically to an impairment analysis, and is written off if there has been impairment (see Note 18). Goodwill is assigned to one or m ore CGU s that expect to be the beneficiaries of the synergies derived from the business combinations. The CGU s represent the Group’s smallest identifiable asset groups that generate cash flows for the Group and that are largely independent of the flows gen erated from the Group’s other assets or groups of assets. Each unit or units to which goodwill is allocated:  Is the lowest level at which the entity manages goodwill internally.  Is not larger than an operating segment. The cash generating units to which goodwill has been allocated are tested for impairment (including the allocated goodwill in their carrying amount). This analysis is performed at least annually or more frequently if there is any indication of impairment. For the purpose of determining the impairment of a cash-generating unit to which a part of goodwill has been allocated, the carrying amount of that cash-generating unit, adjusted by the theoretical amount of the goodwill attributable to the non-controlling interests, in the event they are not valued at fair value, is compar ed with its recoverable amount. The recoverable amount of a cash-generating unit is equal to the fair value less sale costs or its value in use, whichever is greater. Value in use is calculated as the disco unted value of the cash flow projections that the unit’s management estimates and is based on the latest budgets approved for the coming years. The main assumptions used in its calculation are: a sustainable growth rate to extrapolate the cash flows indefi nitely, and the discount rate used to discount the cash flows, which is equal to the cost of the capital assigned to each cash-generating unit, and equivalent to the sum of the risk-free rate plus a risk premium inherent to the cash-generating unit being e valuated for impairment. If the carrying amount of the cash-generating unit exceeds the related recoverable amount, the Group recognizes an impairment loss ; the resulting loss is apportioned by reducing, first, the carrying amount of the goodwill allocated to that unit and, second, if there are still impairment losses remaining to be recognized, the carrying amount of the remainder of the assets. This is done by allocating the remaining loss in proportion to the carrying amount of each of the assets in the unit. In the event the non-controlling interests are measured at fair value, the deterioration of goodwill attributable to non-controlling interests will be recognized. In any case, an impairment loss recognized for goodwill shall not be reversed in a subs equent period. Goodwill impairment losses are recognized under the heading "Impairment or reversal of impairment on non-financial assets – Intangible assets” in the consolidated income statements (see Note 48).
Description Of Accounting Policy For Intangible Assets Other Than Goodwill Explanatory	Other intangible assets These assets may have an indefinite useful life if, based on an analysis of all relevant factors, it is concluded that there is no foreseeable limit to the period over which the asset is expected to generate net cash flows for the consolidated entities. In all other cases they have a finite useful life (see Note 18). Intangible assets with a finite useful life are amortized according to the duration of this useful life, using methods similar to those used to depreciate tangible assets. The defined useful life intangible asset i s made up mainly of IT applications acquisition costs which have a useful life of 3 to 5 years. The amortiz ation charge of these assets is recognized in the accompanying consolidated income statements under the heading "Depreciation and amortization" (see Note 45). The consolidated entities recognize any impairment losses on the carrying amount of these assets with charge to the heading “Impairment or reversal of impairment on non - financial assets- Intangible assets” in the accompanying consolidated incom e statements (see Note 48). The criteria used to recognize the impairment losses on these assets and, where applicable, the recovery of impairment losses recognized in prior years, are similar to those used for tangible assets.
Description Of Accounting Policy For Insurance Contracts	Insurance and reinsurance contracts The assets and liabilities of the BBVA Group’s insurance subsidiaries are recognized according to their nature under the corresponding headings of the consolidated balance sheets, and the initial recognition and valuation is carried o ut according to the criteria set out in IFRS 4. The heading “Insurance and reinsurance assets” in the accompanying consolidated balance sheets includes the amounts that the consolidated insurance subsidiaries are entitled to receive under the reinsurance c ontracts entered into by them with third parties and, more specifically, the reinsurer´s share of the technical provisions recognized by the consolidated insurance subsidiaries. The heading “Liabilities under insurance and reinsurance contracts” in the acc ompanying consolidated balance sheets includes the technical provisions for direct insurance and inward reinsurance recognized by the consolidated insurance subsidiaries to cover claims arising from insurance contracts open at period-end (see Note 23). The income or expense reported by the BBVA Group’s consolidated insurance subsidiaries on their insurance activities is recognized, in accordance with their nature, in the corresponding items of the consolidated income statements. The consolidated insurance e ntities of the BBVA Group recognize the amounts of the premiums written and a charge for the estimated cost of the claims that will be incurred at their final settlement to their consolidated income statements. At the close of each year the amounts collect ed and unearned, as well as the costs incurred and unpaid, are accrued. The most significant provisions recorded by consolidated insurance entities with respect to insurance policies issued by them are set out by their nature in Note 23. According to the t ype of product, the provisions may be as follows:  Life insurance provisions: Represents the value of the net obligations undertaken with the life insurance policyholder. These provisions include:  Provisions for unearned premiums. These are intended for the accrual, at the date of calculation, of the premiums written. Their balance reflects the portion of the premiums received until the closing date that has to be allocated to the period from year-e nd to the end of the insurance policy period.  Mathematical reserves: Represents the value of the life insurance obligations of the insurance entities at year-end, net of the policyholder’s obligations, arising from life insurance contracted.  Non-life insur ance provisions:  Provisions for unearned premiums. These provisions are intended for the accrual, at the date of calculation, of the premiums written. Their balance reflects the portion of the premiums received until the closing date that has to be allocat ed to the period between the year-end and the end of the policy period.  Provisions for unexpired risks: The provision for unexpired risks supplements the provision for unearned premiums by the amount by which that provision is not sufficient to reflect the assessed risks and expenses to be covered by the consolidated insurance subsidiaries in the policy period not elapsed at year-end.  Provision for claims: This reflects the total amount of the outstanding obligations arising from claims incurred prior to ye ar-end. Insurance subsidiaries calculate this provision as the difference between the total estimated or certain cost of the claims not yet reported, settled or paid, and the total amounts already pa id in relation to these claims.  Provision for bonuses and rebates: This provision includes the amount of the bonuses accruing to policyholders, insurees or beneficiaries and the premiums to be returned to policyholders or insurees, as the case may be, based on the behavior of the risk insured, to the extent that such amounts have not been individually assigned to each of them.  Technical provisions for reinsurance ceded: Calculated by applying the criteria indicated above for direct insurance, taking account of the assignment conditions established in the open rei nsurance contracts.  Other technical provisions: Insurance entities have recognized provisions to cover the probable mismatches in the market reinvestment interest rates with respect to those used in the valuation of the technical provisions. The BBVA Group controls and monitors the exposure of the insurance subsidiaries to financial risk and, to this end, uses internal methods and tools that enable it to measure credit risk and market risk and to establish the limits for these risks.
Description Of Accounting Policy For Income Tax Explanatory	Tax assets and liabilities Expenses on corporate income tax applicable to the BBVA Group’s Spanish entities and on similar income taxes applicable to consolidated foreign entities are recognized in the consolidated income statement, except when they result from transact ions on which the profits or losses are recognized directly in equity, in which case the related tax effec t is also recognized in equity. The total corporate income tax expense is calculated by aggregating the current tax arising from the application of the corresponding tax rate as per the tax base for the year (after deducting the tax credits or discounts allowable for tax purposes) and the change in deferred tax assets and liabilities recognized in the consolidated income statement.
Description Of Accounting Policy For Deferred Income Tax Explanatory	Deferred tax assets and liabilities include temporary differences, defined as the amounts to be payable or recoverable in future years arising from the differences between the carrying amount of assets and liabilities and their tax bases (the “tax value”), and tax loss and t ax credit or discount carry forwards. These amounts are registered by applying to each temporary difference the tax rates that are expected to apply when the asset is realized or the liability settled (see Note 19). The "Tax Assets" line item in the accomp anying consolidated balance sheets includes the amount of all the assets of a tax nature, broken down into: "Current” (amounts of tax recoverable in the next twelve months) and "Deferred" (which includes the amount of tax to be recovered in future years, i ncluding those arising from tax losses or credits for deductions or rebates that can be compensated). The "Tax Liabilities" line item in the accompanying consolidated balance sheets includes the amount of all the liabilities of a tax nature, except for pro visions for taxes, broken down into: "Current” (income tax payable on taxable profit for the year and other taxes payable in the next twelve months) and "Deferred" (the amount of corporate tax payable in subsequent years). Deferred tax liabilities attribut able to taxable temporary differences associated with investments in subsidiaries, associates or joint venture entities are recognized as such, except where the Group can control the timing of the reversal of the temporary difference and it is unlikely tha t it will reverse in the future. Deferred tax assets are recognized to the extent that it is probable that the consolidated entities will generate enough taxable profits to make deferred tax assets settle and do not correspond to those from initial recogni tion (except in the case of business combinations), which also does not affect the fiscal outcome. The deferred tax assets and liabilities recognized are reassessed by the consolidated entities at each balance sheet date in order to ascertain whether they still qualify as deferred tax assets and liabilities, and the appropriate adjustments are made on the basis of the findings of the analyses performed. In those circumstances in which it is unclear how a specific requirement of the tax law applies to a part icular transaction or circumstance, and the acceptability of the definitive tax treatment depends on the decisions taken by the relevant taxation authority in future, the entity recognizes current and deferred tax liabilities and assets considering whether it is probable or not that a taxation authority will accept an uncertain tax treatment. Thus, if the entity concludes that it is not probable that the taxation authority will accept an uncertain tax treatment, the entity uses the amount expected to be pai d to (recovered from) the taxation authorities.
Description Of Accounting Policy For Taxes Other Than Income Tax Explanatory	The income and expense directly recognized in consolidated equity that do not increase or decrease taxable income are accounted for as temporary differences.
Description of Accounting Policy for Provisions	Provisions, contingent assets and contingent liabilities The heading “Provisions” in the consolidated balance sheets includes amounts recognized to cover the BBVA Group’s current obligations arising as a result of past events. These are certain in terms of nature but uncertain in terms of amount and/or settlement date. The settlement of these obligations is deemed likely to entail an outflow of resources embodying economic benefits (see Note 24). The obligations may arise in connection with legal or contractual provisions, valid expectations forme d by Group entities relative to third parties in relation to the assumption of certain responsibilities or through virtually certain developments of particular aspects of the regulations applicable to the operation of the entities; and, specifically, futur e legislation to which the Group will certainly be subject. The provisions are recognized in the consolidated balance sheets when each and every one of the following requirements is met:  They represent a current obligation that has arisen from a past event . At the date of the Consolidated Financial Statements, there is more probability that the obligation will have to be met than that it will not.  It is probable that an outflow of resources embodying economic benefits will be required to settle the obligati on.  The amount of the obligation can be reasonably estimated. Among other items, these provisions include the commitments made to employees by some of the Group entities mentioned in Note 2.2.12, as well as provisions for tax and legal litigation. Continge nt assets are possible assets that arise from past events and whose existence is conditional on, and will be confirmed only by, the occurrence or non-occurrence of events beyond the control of the Group. Contingent assets are not recognized in the consolid ated balance sheet or in the consolidated income statement; however, they will be disclosed, should they exist, in the Notes to the Consolidated Financial Statements, provided that it is probable will give rise to an increase in resources embodying economi c benefits. Contingent liabilities are possible obligations of the Group that arise from past events and whose existence is conditional on the occurrence or non-occurrence of one or more future events beyond the control of the Group. They also include the existing obligations of the Group when it is not probable that an outflow of resources embodying economic benefits will be required to settle them; or when, in extremely rare cases, their amount cannot be measur ed with sufficient reliability. Contingent li abilities are not recognized in the consolidated balance sheet or the income statement (excluding contingent liabilities from business combination) but are disclosed in the Notes to the Consolidated Financial Statements, unless the possibility of an outflo w of resources embodying economic benefits is remote .
Description Of Accounting Policy For Employee Benefits Explanatory	Pensions and other post-employment commitments Below we provide a description of the most significant accounting policies relating to post-employment and other employee benefit commitments assumed by BBVA Group entities (see Note 25). Short-term employee benefits Benefits for current active employees which are accrued and settled during the year and for which a provision is not required in the entity´s accounts. These include wages and salar ies, social security char ges and other personnel expense . Costs are charged and recognized under the heading “Administr ation costs – Personnel expense – Other personnel expense” of the consolidated income statement (see Note 44.1). Post-employment benefits – Defined-contribution plans The Group sponsors defined-contribution plans for the majority of its active employees. The amount of these benefits is established as a percentage of remuneration and/or as a fixed amount. The contributions made to these plan s in each year by BBVA Group entities are charged and recognized under the heading “Administra tion costs – Personnel expense – Defined-contribution plan expense” of the consolidated in come statement (see Note 44.1). Post-employment benefits – Defined-benefi t plans Some Group entities maintain pension commitments with employees who have already retired or taken early retirement, certain closed groups of active employees still accruing defined benefit pensions, and in-service death and disability benefits prov ided to most active employees. These commitments are covered by insurance contracts, pension funds and internal provisions. In addition, some of the Spanish entities have offered certain employees the option to retire before their normal retirement age, recognizing the necessary provisions to cover the costs of the associated benefit commitments, which include both the liability for the benefit payments due as well as the contributions payable to external pension funds during the early retirement period. Furthermore, certain Group entities provide welfare and medical benefits which extend beyond the date of retirement of the employees entitled to the benefits. All of these commitments are quantified based on actuarial valuations, with the amounts recorded under the heading “Provisions – Provisions for pensions and similar obligations” in the consolidated balance sheet and determined as the difference between the value of the defined-benefit commitments and the fair value of plan assets at the date of the Co nsolidated Financial Statements (see Note 25). Current service cost is charged and recognized under the heading “Administration costs – Personnel expense – Defined-benefit plan expense” of the consolidated income statement (see Note 44.1). Interest credits /charges relating to these commitments are charged and recognized under the headings “Interest and other income” and “Interest expense” of the consolidated income statement (see Note 37). Past service costs arising from benefit plan changes as well as e arly retirements granted during the year are recognized under the heading “Provisions or reversals of provisions” of the consolidated income statement (see Note 46). Other long-term employee benefits In addition to the above commitments, certain Group enti ties provide long-term service awards to their employees, consisting of monetary amounts or periods of vacation granted upon completion of a number of years of qualifying service. These commitments are quantified based on actuarial valuations and the amoun ts recorded under the heading “Provisions – Other long-term employee benefits” of the consolidated balance sheet (see Note 24). Valuation of commitments: actuarial assumptions and recognition of gains/losses The present value of these commitments is determ ined based on individual member data. Active employee costs are determined using the “projected unit credit” method, which treats each period of service as giving rise to an additional unit of benefit and values each unit separately. In establishing the ac tuarial assumptions we take into account that:  They should be unbiased, i.e. neither unduly optimistic nor excessively conservative.  Each assumption does not contradict the others and adequately reflect the existing relationship between economic variables such as price inflation, expected wage increases, discount rates and the expected return on plan assets, etc. Future wage and benefit levels should be based on market expectations, at the balance sheet date, for the period over which the obligations are to be settled.  The interest rate used to discount benefit commitments is determined by reference to market yields, at the balance sheet date, on high quality bonds. The BBVA Group recognizes actuarial gains/losses relating to early retirement benefits, long service awards and other similar items under the heading “Provisions or reversal of provisions” of the consolidated income statement for the period in which they arise (see Note 46). Actuarial gains/losses relating to pension and medical benefits are direc tly charged and recognized under the heading "Accumulated other comprehensive income – Items that will not be reclassified to profit or loss – Actuarial gains or losses on defined benefit pension plans" of equity in the consolidated balance sheet (see Note 30).
Description Of Accounting Policy For Share based Payment Transactions Explanatory	Equity-settled share-based payment transactions Equity –settled share-based payment transactions, provided they constitute the delivery of such equity instruments once completion of a specific period of services has occurred, are recognized as an expense for services being provided by employees, by way of a balancing entry under the heading “Shareholders’ funds – Other equity instruments” in the consolidated balance sheet. These services are measured at fair value for the employees services r eceived, unless such fair value cannot be calculated reliably. In such case, they are measured by reference to the fair value of the equity instruments granted, taking into account the date on which the commitments were granted and the terms and other cond itions included in the commitments. When the initial compensation agreement includes what may be considered market conditions among its terms, any changes in these conditions will not be reflected in the consolidated income statement, as these have already been accounted for in calculating the initial fair value of the equity instruments. Non-market vesting conditions are not taken into account when estimating the initial fair value of equity instruments, but they are taken into account when determining the number of equity instruments to be issued. This will be recognized on the consolidated income statement with the corresponding increase in total consolidated equity.
Description Of Accounting Policy For Termination Benefits	Termination benefits Termination benefits are recognized in the financial statem ents when the BBVA Group agrees to terminate employment contracts with its employees and h as established a detailed plan.
Description Of Accounting Policy For Treasury Shares Explanatory	Treasury shares The value of common stock issued by the BBVA Group’s entities and held by them - basically, shares and deri vatives on the Bank’s shares held by some consolidated entities that comply with the requirements to be recognized as equity instruments - are recognized as a decrease to net equity, under the heading "Shareholders’ funds - Treasury stock" in the consolida ted balance sheets (see Note 29). These financial assets are recognized at acquisition cost, and the gains or losses arising on their disposal are credited or debited, as appropriate, to the heading “Shareholders’ funds - Retained earnings” in the consolid ated balance sheets (see Note 28).
Description Of Accounting Policy For Foreign Currency Translation and Exchange Differences Balance Sheet Explanatory	Foreign-currency transactions and exchange differences The BBVA Group’s functional currency, and thus the currency in which the Consolidated Financial Statements are presented, is the euro. As such, all balances and transactions denominated in currencies other than the euro are deemed to be denominated in “foreign currency”. Conversion to euros of the balances held in foreign currency is performed in two consecutive stages:  Conversion of the foreign currency to th e entity’s functional currency (currency of the main economic environment in which the entity operates); and  Conversion to euros of the balances held in the functional currencies of the entities whose functional currency is not the euro.
Description Of Accounting Policy For Functional Currency Balance Sheet Explanatory	Conversion of the foreign currency to the entity’s functional currency Transactions denominated in foreign currencies carried out by the consolidated entities (or entities accounted for using the equity method) are initially accounted for in their respective currencies. Sub sequently, the monetary balances in foreign currencies are converted to their respective functional currencies using the exchange rate at the close of the financial year. In addition,  Non-monetary items valued at their historical cost are converted to the functional currency at the exchange rate applicable on the purchase date.  Non-monetary items valued at their fair value are converted at the exchange rate in force on the date on which such fair value was determined.  Monetary items are converted to the fun ctional currency at the closing exchange rate.  Income and expense are converted at the period’s average exchange rates for all the operations carried out during the year. When applying this criterion the BBVA Group considers whether significant variations have taken place in exchange rates during the year which, owing to their impact on the statements as a whole, may require the application of exchange rates as of the date of the transaction instead of such average exchange rates. The exchange differences produced when converting the balances in foreign currency to the functional currency of the consolidated entities are generally recognized under the heading "Exchange differences, net" in the consolidated income statements (see Note 41). However, the excha nge differences in non-monetary items measured at fair value are recorded to equity under the heading “ Accumulated other comprehensive income or loss - Items not subject to reclassification to income statement - Fair value changes of equity instruments mea sured at fair value through other comprehensive income ” in the consolidated balance sheets (see Note 30). Conversion of functional currencies to euros The balances in the financial statements of consolidated entities whose functional currency is not the eu ro are converted to euros as follows:  Assets and liabilities: at the closing spot exchange rates as of the date of each of the consolidated balance sheets.  Income and expense and cash flows are converted by applying the exchange rate applicable on the date of the transaction, and the average exchange rate for the financial year may be used, unless it has undergone sign ificant variations during the year.  Equity items: at the hi storical exchange rates. The exchange differences arising from the conversion to euros of balances in the functional currencies of the consolidated entities whose functional currency is not the euro are recognized under the heading “Accumulated other compr ehensive income – Items that may be reclassified to profit or loss - Exchange differences” in the consolidated balance sheets (Notes 30 and 31 respectively). Meanwhile, the differences arising from the conversion to euros of the financial statements of ent ities accounted for by the equity method are recognized under the heading “ Accumulated other comprehensive income - Items that may be reclassified to profit or loss - Entities accounted for using the equity method" (Note 30) until the item to which they re late is derecognized, at which time they are recognized in the income statement. The financial statements of companies of hyperinflationary economies are restated for the effects of changes in prices before their conversion to euros following the provision s of IAS 29 "Financial information in hyperinflationary economies" (see Note 2.2.20). Both these adjustments for inflation and the exchange differences that arise when converting the financial statements of companies into hyperinflationary economies are ac counted for in Reserves. The breakdown of the main consolidated balances in foreign currencies, with reference to the most significant foreign currencies, is set forth in Appendix VII. Venezuela Local financial statements of the Group subsidiaries in Venez uela are expressed in Venezuelan Bolivar, and converted into euros for the consolidated financial statements. Venezuela is a country with strong exchange restrictions that has different rates officially published , and , since December 31, 2015, the Board of Directors considers that the use of these exchanges rates for converting bolivars into euros in preparing the Consolidated Financial Statements does not reflect the true picture of the financial statements of the Group and the financial position of the Gr oup subsidiaries in this country . Therefore, since the year ended December 31, 2015, the exchange rate for converting bolivars into euros is an estimation taking into account the evolution of the es timated inflation in Venezuela. As of December 31, 2019, 2018 and 2017, the impact on the financial statements that would have resulted by applying the last published official exchange rate instead of the exchange rate estimated by BBVA Group was not significant (see Note 2.2.20) .
Description Of Accounting Policy For Recognition Of Revenue And Expenses Explanatory	Recognition of income and expense The most significant policies used by the BBVA Group to recognize its income and expense are as follows.
Description Of Accounting Policy For Interest Income And Expense Explanatory	 Interest income and expense and similar items: As a general rule, interest income and expense and similar items are recognized on the basis of their period of accrual using the effective interest ra te method. T hey shall be recognized within the consolidated income statement according to the following criteria, independently from the financial instruments’ portfolio which generates the income or expense:  The interest income past-due before the initial recognition and pending to be received will form part of the gross carrying amount of the debt instrument.  The interest income accrued after the initial recognition will form part of the gross carrying amount of the debt instrument until it will be received . The financial fees and commissions that arise on the arrangement of loans and advances (basically origin ation and analysis fees) are deferred and recognized in the income statement over the expected life of the loan. From that amount, the transaction costs identified as directly attributable to the arrangement of the loans and advances will be deducted. Thes e fees are part of the effective interest r ate for the loans and advances. Once a debt instrument has been impaired, interest income is recognized applying the effective interest rate used to discount the estimated recoverable cash flows on the carrying am ount of the asset.  Income from dividends received: Dividends shall be recognized within the consolidated income statement according to the following criteria, independently from the financial instruments’ portfolio which generates this income:  When the right to receive payment has been declared before the initial recognition and when the payment is pending to be received, the dividends will not form part of the gross carrying amount of the equity instrument and will not be recognized as income. Those div idends are accounted for as financial assets separately from the net equity instrument.  If the right to receive payment is received after the initial recognition, the dividends from the net equity instruments will be recognized within the consolidated inco me statement. If the dividends correspond indubitable to the profits of the issuer before the date of initial recognition, they will not be recognized as income but as reduction of the gross carrying amount of the equity instrument because it represents a partly recuperation of the investment. Amongst other circumstances, the generation date can be considered to be prior to the date of initial recognition if the amounts distributed by the issuer as from the initial recognition are higher than its profits du ring the same period.
Description Of Accounting Policy For Fee And Commission Income And Expense Explanatory	 Commissions, fees and similar items: Income and expense relating to commissions and similar fees are recognized in the consolidated income statement using criteria that vary according to the nature of such items. The most significant items in this connection are:  Those relating to financial assets and liabilities measured at fair value through profit or loss, which are recognized when collected/paid.  Those arising f rom transactions or services that are provided over a period of time, which are recognized over the life o f these transactions or services.  Those relating to a singular transaction, which are recognized when this singular transaction is carried out.
Description Of Accounting Policy For Recognising Difference Between Fair Value At Initial Recognition And Amount Determined Using Valuation Technique Explanatory	 N on-financial income and expense : These are recognized for accounting purposes on an accrual basis.  Deferred col lections and payments: These are recognized for accounting purposes at the amount resulting from discounting the expected cash flows at market rates.
Description Of Accounting Policy For Recognition Of Non Financial Services Revenue Explanatory	Sales of assets and income from the provision of non-financial services The heading “Other operating income” in the consolidated income statements includes the proceeds of the sales of assets and income from the services provided by the Group entities that are not financial institutions. In the case of the Group, these entities are mainly real e state and service entities (see Note 42).
Description Of Accounting Policy For Leases Explanatory	Leases Effective January 1, 2019, IFRS 16 replaced IAS 17 “Leases” (see Note 2.3). The single lessee accounting model requires the lessee to record assets and liabilities for all lease contracts. The stand ard provides two exceptions to the recognition of lease assets and liabilities that can be applied in the case of short-term contracts and those in which the underlying assets have low value. BBVA has elected to apply both exceptions. A lessee is required to recognize a right-of-use asset representing its right to use the underlying leased asset, which is recorded under the headings ‘‘ Tangible assets – Property plants and equipment’’ and‘‘ Tangible assets – Investment properties’’ of the consolidated balan ce sheet (see Note 17) and a lease liability representing its obligation to make lease payments which is recorded under the heading ‘‘ Financial liabilities at amortized cost – Other financial liabilities’’ in the consolida ted balance sheet (see Note 22.5 ) . At the initial date of the lease, the lease liability represents the present value of all lease unpaid payments. The liabilities registered under this heading of the consolidated balance sheets are measured after their initial recognition at amortized co st, this being determined in accordance with the “effective interest rate” method. The right to use assets are initially recorded at cost. This cost consists of the initial measurement of the lease liability, any payment made before the initial date less a ny lease incentives received, all direct initial expenses incurred, as well as an estimate of the expenses to be incurred by the lessee, such as expenses related to the removal and dismantling of the underlying asset. The right to use assets recorded under this heading of the consolidated balance sheets are measured after their initial recognition at cost less:  The accumulated depreciation and accumulated impairment  Any remeasurement of the lease liability . The interest expense on the lease liability is recorded in the consolidated income statements under the heading “Interest expense” (see note 37). Variable payments not included in the initial measurement of the lease liability are re corded under the heading “Administration costs – Other administrative expense” (see N ote 44). Amortization is calculated using the straight-line method over the lifetime of the lease contract, on the basis of the cost of the assets. The tangible asset depreciation charges are recognized in the accompanying consolidated incom e statements under the heading "Depreciation and Amortization" (see Note 45). In case of electing one of the exceptions in order not to recognize the corresponding right to use and the liability in the consolidated balance sheets, payments related to the c orresponding lease are recognized in the consolidated income statements, over the contract period, lineally, or in the way that best represents the structure of the lease operation, under the heading "Other administrative expense” (see Note 4 4 ) . Operating lease and sublease incomes are recognized in the consolidated income statements under the headings “Other operating income” (see Note 42 ). As a lessor, lease contracts are classified as finance leases from the inception of the transaction if they substantially transfer all the risks and rewards incidental to ownership of the asset forming the subject-matter of the contract. Leases other than finance leases are classified as operating leases. When the consolidated entities act as the lessor of an asset under finance leases, the aggregate present values of the lease payments receivable from the lessee plus the guaranteed residual value (normally the exercise price of the lessee’s purchase option on expiration of the lease agreement) are recognized as financing provided to third parties and, therefore, are included under the heading “Loans and receivables” in the accompanying consolidated balance sheets (see Note 14). When the consolidated entities act as lessors of an asset in operating leases, the acquisition cost of the leased assets is recognized under "Tangible assets – Property, plant and equipment – Other assets leased out under an operating lease" in the consolidated balance sheets (see Note 17). These assets are depreciated in line with the criteria adopted for items of tangible assets for own use, while the income arising from the lease arrangements is recognized in the consolidated income statements on a straight-line basis within “Other operating income” and "Other operating expense" (see Note 42). If a fair value sale and leaseback results in a lease, the profit or loss generated from the effectively transferred part of the sale is recog nized in the consolidated income statement at the time of sale (only for t he effective transmitted part). The assets leased out under operating lease contracts to other entities in the Group are treated in the Consolidated Financial Statements as for own u se, and thus rental expense and income is eliminated in consolidation and the corresponding depreciation is recognized.
Description of Accounting Policies for Entities and Branches Located in Countries With Hiperinflationary Economies	Entities and branches located in countries with hyperinflationary economies In accordance with the IFRS -IASB criteria, to determine whether an economy has a high inflation rate the country's economic situation is examined, analyzing whether certain circumstances are fulfilled, such as whether the population prefers to keep its wealth or savings in non-monetary a ssets or in a relatively stable foreign currency, whether prices can be set in that currency, whether interest rates, wages and prices are pegged to a price index or whether the accumulated inflation rate over three years reaches or exceeds 100%. The fact that any of these circumstances is fulfilled will not be a decisive factor in considering an economy hyperinflationary, but it does provide some reasons to consider it as such. Argentina Since 2018, the economy of Argentina has been considered hyperinflat ionary under the above criteria. As a result, the financial statements of the BBVA Group’s entities located in Argentina have therefore been adjusted to correct for the effects of inflation in accordance with IAS 29 “Financial reporting in hyperinflationar y economies“. During 2019 and 2018 , the increase in the reserves of Group entities located in Argentina derived from the re-expression for hyperinflation (IAS 29) amounts to €470 and €703 million, respectively, of which €313 and €463 million , respectively, have been recorded within “Shareholders’ funds - Retained earnings” and €157 and € 240 million , respectively, within “Minority interests – Other”. Furthermore, during 201 9 and 2018 the decrease in the reserves of Group entities located in Argentina derive d from the co nversion (IAS 21) amounted to € 460 and €773 million, respectively, of which € 305 and €515 million , respectively, have been recorded within “Shareholders’ funds - Retained earnings”, and €155 and €258 million , respectively, within “Minority int erests – Other”. The net impact of both effects is presented under the caption “Other increases or (-) decreases in equity” in the consolidated Statement of Changes in Equity for the years ended December 31, 2019 and 2018. The net loss in the profit attrib utable to the parent company of the Group in 2019 and 2018 derived from the application of IAS 29 amounted to €190 and €209 million , respectively . In addition, there is a net loss in the profit attributable to the parent company of the Group in 2019 and 2018 derived from the application of IAS 21 which amounted to €34 and € 57 million , respectively . The breakdown of the General Price Index (“GPI”) and the inflation index used as of December 31, 2019 and 2018 for the inflation restatement of the financial statements of the Group companies located in Argentina is as follows: General Price Index 2019 2018 GPI 285 184 Average GPI 233 152 Inflation of the period 55% 48% Venezuela Since 2009, the economy of Venezuela has been considered hyperinflationary under the above criteria. As a result, the financial statements of the BBVA Group’s entities located in Venezuela have therefore been adjusted to correct for the effects of inflation in accordance with IAS 29 “Financial reporting in hyperinflationary economies“. The losses recognized under the heading “Profit attributable to the p arent company” in the accompanying consolidated income statement as a result of the adjustment for inflation on net monetary position of the Group entities in Venezuela amounted to €8, €12 and €13 million in 2019, 2018 and 2017, respectively (see Note 2.2. 16).

Note 2 - Principles of Consol_2

Note 2 - Principles of Consolidation, Accounting policies and measurement bases applied and recent IFRS pronouncements - Amortization Rate (Tables)	12 Months Ended
	Dec. 31, 2019
Principles Of Consolidations Accounting Policies And Measurement Basis And Recent IFRS Pronouncements
Amortization Rates	Depreciation rates for tangible assets Type of assets Annual Percentage Buildings for own use 1% - 4% Furniture 8% - 10% Fixtures 6% - 12% Office supplies and hardware 8% - 25%
GPI Argentina	General Price Index 2019 2018 GPI 285 184 Average GPI 233 152 Inflation of the period 55% 48%

Note 3 - BBVA Group (Tables)

Note 3 - BBVA Group (Tables)	12 Months Ended
	Dec. 31, 2019
Grupo BBVA
Contribution To Consolidated Group Assets	Contribution to Consolidated Group total assets. Entities by main activities (Millions of euros) 2019 2018 2017 Banking and other financial services 667,319 647,164 659,414 Insurance and pension fund managing companies 29,300 26,732 26,134 Other non-financial services 2,071 2,793 4,511 Total 698,690 676,689 690,059

Note 4 - Shareholder Remunera_2

Note 4 - Shareholder Remuneration System (Tables)	12 Months Ended
	Dec. 31, 2019
Share holder Remuneration System Abstract
Disclosure Available Amount For Interim Divided Payments Explanatory	Available amount for Interim dividend payments (Millions of Euros) August, 31, 2019 Profit of BBVA, S.A., after the provision for income tax 1,137 Additional Tier I capital instruments remuneration 276 Maximum amount distributable 861 Amount of proposed interim dividend 667 BBVA cash balance available to the date 6,691
Disclosure Allocation Of Earnings Explanatory	Allocation of earnings of BBVA, S.A. (Millions of Euros) December 2019 Profit for year 2,241 Distribution Interim dividends 667 Final dividend 1,067 Additional Tier 1 securities 419 Voluntary reserves 88

Note 5 - Earnings Per Share (Ta

Note 5 - Earnings Per Share (Tables)	12 Months Ended
	Dec. 31, 2019
Earnings Per Share Abstract
Basic and deluted earnings per share	Basic and Diluted Earnings per Share 2019 2018 (4) 2017 (4) Numerator for basic and diluted earnings per share (millions of euros) Profit attributable to parent company 3,512 5,400 3,514 Adjustment: Additional Tier 1 securities (1) (419) (447) (430) Profit adjusted (millions of euros) (A) 3,093 4,953 3,084 Denominator for basic earnings per share (number of shares outstanding) Weighted average number of shares outstanding (2) 6,668 6,668 6,642 Weighted average number of shares outstanding x corrective factor (3) 6,668 6,668 6,642 Adjusted number of shares - Basic earnings per share (C) 6,648 6,636 6,642 Adjusted number of shares - diluted earnings per share (D) 6,648 6,636 6,642 Earnings per share (*) 0.47 0.75 0.46 Basic earnings per share from continued operations (Euros per share)A-B/C 0.47 0.75 0.46 Diluted earnings per share from continued operations (Euros per share)A-B/D 0.47 0.75 0.46

Note 6 - Operating Segments Rep

Note 6 - Operating Segments Reporting (Tables)	12 Months Ended
	Dec. 31, 2019
Operating Segments Reporting
Group Total Assets Operating Segment	Total assets by operating segments (Millions of Euros) 2019 2018 (1) 2017 (1) Spain 365,374 354,901 350,520 The United States 88,529 82,057 75,775 Mexico 109,079 97,432 90,214 Turkey 64,416 66,250 78,789 South America 54,996 54,373 75,320 Rest of Eurasia 23,248 18,834 17,265 Subtotal assets by Operating Segments 705,641 673,848 687,884 Corporate Center and adjustments (6,951) 2,841 2,175 Total assets BBVA Group 698,690 676,689 690,059
Income By Operating Segment	BBVA Group Spain The United States Mexico Turkey South America Rest of Eurasia Corporate Center 2019 Notes Net interest income 18,202 3,645 2,395 6,209 2,814 3,196 175 (233) Gross income 24,542 5,734 3,223 8,029 3,590 3,850 454 (339) Operating profit /(loss) before tax 6,398 1,878 705 3,691 1,341 1,396 163 (2,775) Profit 3,512 1,386 590 2,699 506 721 127 (2,517) 2018 (1) Net interest income 17,591 3,698 2,276 5,568 3,135 3,009 175 (269) Gross income 23,747 5,968 2,989 7,193 3,901 3,701 414 (420) Operating profit /(loss) before tax 8,446 1,840 920 3,269 1,444 1,288 148 (463) Profit 5,400 1,400 736 2,367 567 578 96 (343) 2017 (1) Net interest income 17,758 3,810 2,119 5,476 3,331 3,200 180 (357) Gross income 25,270 6,162 2,876 7,122 4,115 4,451 468 74 Operating profit /(loss) before tax 6,931 1,189 749 2,960 2,143 1,671 181 (1,962) Profit 3,514 877 486 2,170 823 847 128 (1,817)

Note 7 - Risk Management (Table

Note 7 - Risk Management (Tables)	12 Months Ended
	Dec. 31, 2019
Risk Management Abstract
Principal Geographical Areas GDP	GDP for the main geographies Spain Mexico Turkey The United States Date GDP negative scenario GDP base scenario GDP positive scenario GDP negative scenario GDP base scenario GDP positive scenario GDP negative scenario GDP base scenario GDP positive scenario GDP negative scenario GDP base scenario GDP positive scenario 2019 0.96% 1.54% 2.15% -0.58% 0.23% 1.06% -0.60% 3.32% 7.06% 1.16% 2.12% 3.13% 2020 1.35% 1.87% 2.42% 0.93% 1.66% 2.39% -0.68% 2.48% 5.27% 1.00% 1.81% 2.62% 2021 2.01% 2.10% 2.19% 2.05% 2.14% 2.23% 4.60% 4.74% 4.91% 1.84% 1.92% 2.03% 2022 1.85% 1.89% 1.88% 2.07% 2.14% 2.19% 4.28% 4.38% 4.47% 1.83% 1.86% 1.91% 2023 1.81% 1.85% 1.85% 2.11% 2.15% 2.17% 4.31% 4.38% 4.50% 1.88% 1.91% 1.94% Peru Argentina Colombia Date GDP negative scenario GDP base scenario GDP positive scenario GDP negative scenario GDP base scenario GDP positive scenario GDP negative scenario GDP base scenario GDP positive scenario 2019 0.34% 2.92% 5.43% -7.41% -2.47% 2.40% 1.93% 3.29% 4.58% 2020 0.32% 2.46% 4.56% -6.62% -2.57% 0.85% 1.71% 2.73% 3.74% 2021 3.07% 3.28% 3.49% 2.08% 2.30% 2.51% 3.61% 3.61% 3.61% 2022 3.39% 3.39% 3.39% 1.64% 1.78% 1.88% 3.59% 3.59% 3.59% 2023 3.86% 3.86% 3.86% 1.95% 2.10% 2.23% 3.59% 3.59% 3.59%
Credit Risk Exposure	Maximum credit risk exposure (Millions of Euros) Notes December 2019 Stage 1 Stage 2 Stage 3 Financial assets held for trading 69,503 Debt securities 10 26,309 Equity instruments 10 8,892 Loans and advances 10 34,303 Non-trading financial assets mandatorily at fair value through profit or loss 5,557 Loans and advances 11 1,120 Debt securities 11 110 Equity instruments 11 4,327 Financial assets designated at fair value through profit or loss 12 1,214 Derivatives (trading and hedging) 39,462 Financial assets at fair value through other comprehensive income 61,293 Debt securities 13 58,841 58,590 250 - Equity instruments 13 2,420 Loans and advances to credit institutions 13 33 33 - - Financial assets at amortized cost 451,640 402,024 33,624 15,993 Loans and advances to central banks 4,285 4,285 - - Loans and advances to credit institutions 13,664 13,500 158 6 Loans and advances to customers 394,763 345,449 33,360 15,954 Debt securities 38,930 38,790 106 33 Total financial assets risk 628,670 Total loan commitments and financial guarantees 33 181,116 169,663 10,452 1,001 Total maximum credit exposure 809,786 Maximum credit risk exposure (Millions of Euros) Notes December 2018 Stage 1 Stage 2 Stage 3 Financial assets held for trading 59,581 Debt securities 10 25,577 Equity instruments 10 5,254 Loans and advances 10 28,750 Non-trading financial assets mandatorily at fair value through profit or loss 5,135 Loans and advances 11 1,803 Debt securities 11 237 Equity instruments 11 3,095 Financial assets designated at fair value through profit or loss 12 1,313 Derivatives (trading and hedging) 38,249 Financial assets at fair value through other comprehensive income 56,365 Debt securities 13 53,737 53,734 3 - Equity instruments 13 2,595 Loans and advances to credit institutions 13 33 33 - - Financial assets at amortized cost 431,927 384,632 30,902 16,394 Loans and advances to central banks 3,947 3,947 - - Loans and advances to credit institutions 9,175 9,131 34 10 Loans and advances to customers 386,225 339,204 30,673 16,348 Debt securities 32,580 32,350 195 35 Total financial assets risk 592,571 Total loan commitments and financial guarantees 33 170,511 161,404 8,120 987 Total maximum credit exposure 763,082
Credit Risk Exposure By Stages and geographic location	December 2019 Gross exposure Accumulated allowances Carrying amount Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Spain (*) 197,058 173,843 14,599 8,616 (5,311) (712) (661) (3,939) 191,747 173,131 13,939 4,677 The United States 57,387 49,744 7,011 632 (688) (165) (342) (182) 56,699 49,580 6,670 450 Mexico 60,099 54,748 3,873 1,478 (2,013) (697) (404) (912) 58,087 54,052 3,469 566 Turkey (**) 43,113 34,536 5,127 3,451 (2,613) (189) (450) (1,974) 40,500 34,347 4,677 1,477 South America (***) 36,265 31,754 2,742 1,769 (1,769) (366) (323) (1,079) 34,497 31,388 2,419 690 Others 839 824 7 9 (8) (1) (1) (6) 832 823 6 2 Total (****) 394,763 345,449 33,360 15,954 (12,402) (2,129) (2,181) (8,093) 382,360 343,320 31,179 7,861 December 2018 Gross exposure Accumulated allowances Carrying amount Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Spain (*) 195,447 172,599 12,827 10,021 (5,874) (713) (877) (4,284) 189,574 171,886 11,951 5,737 The United States 57,321 50,665 5,923 733 (658) (206) (299) (153) 56,663 50,459 5,624 580 Mexico 52,858 48,354 3,366 1,138 (1,750) (640) (373) (737) 51,107 47,714 2,992 401 Turkey (**) 43,718 34,883 6,113 2,722 (2,241) (171) (591) (1,479) 41,479 34,712 5,523 1,244 South America (***) 36,098 31,947 2,436 1,715 (1,656) (338) (234) (1,084) 34,442 31,609 2,202 631 Others 783 756 8 19 (19) - (1) (18) 763 755 7 1 Total (****) 386,225 339,204 30,673 16,348 (12,199) (2,070) (2,374) (7,755) 374,027 337,134 28,299 8,593
Credit Risk Exposure By Stages and Counterparty	December 2019 (Millions of Euros) Gross exposure Accumulated allowances Net amount Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Public administrations 28,281 27,511 682 88 (59) (15) (22) (21) 28,222 27,496 660 66 Other financial corporations 11,239 11,085 136 17 (31) (19) (2) (10) 11,207 11,066 134 8 Non-financial corporations 173,254 148,768 16,018 8,468 (6,465) (811) (904) (4,750) 166,789 147,957 15,114 3,718 Individuals 181,989 158,085 16,523 7,381 (5,847) (1,283) (1,252) (3,312) 176,142 156,801 15,272 4,069 Loans and advances to customers 394,763 345,449 33,360 15,954 (12,402) (2,129) (2,181) (8,093) 382,360 343,320 31,179 7,861 December 2018 (Millions of Euros) Gross exposure Accumulated allowances Net amount Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Total Stage 1 Stage 2 Stage 3 Public administrations 28,632 27,740 764 128 (84) (21) (25) (38) 28,549 27,719 739 91 Other financial corporations 9,490 9,189 291 11 (22) (13) (4) (4) 9,468 9,176 286 6 Non-financial corporations 169,764 145,875 15,516 8,372 (6,260) (730) (1,190) (4,341) 163,503 145,145 14,327 4,031 Individuals 178,339 156,400 14,102 7,838 (5,833) (1,305) (1,155) (3,372) 172,506 155,094 12,946 4,466 Loans and advances to customers 386,225 339,204 30,673 16,348 (12,199) (2,070) (2,374) (7,755) 374,027 337,134 28,299 8,593
Loans And Advances Breakdown By Counterparty	December 2019 (Millions of Euros) Central banks General governments Credit institutions Other financial corporations Non-financial corporations Households Total Gross carrying amount By product On demand and short notice - 9 - 118 2,328 595 3,050 3,251 Credit card debt - 10 1 3 1,940 14,401 16,355 17,608 Commercial debtors 971 - 230 15,976 99 17,276 17,617 Finance leases - 227 - 6 8,091 387 8,711 9,095 Reverse repurchase loans - - 1,817 - 26 - 1,843 1,848 Other term loans 4,240 26,734 4,121 7,795 137,934 160,223 341,047 351,230 Advances that are not loans 35 865 7,743 3,056 951 506 13,156 13,214 LOANS AND ADVANCES 4,275 28,816 13,682 11,208 167,246 176,211 401,438 413,863 By secured loans Of which: mortgage loans collateralized by immovable property 1,067 15 261 23,575 111,085 136,003 139,317 Of which: other collateralized loans - 10,447 93 2,106 29,009 6,893 48,548 49,266 By purpose of the loan Of which: credit for consumption 46,356 46,356 49,474 Of which: lending for house purchase 110,178 110,178 111,636 By subordination Of which: project finance loans 12,259 12,259 12,415 December 2018 (Millions of Euros) Central banks General governments Credit institutions Other financial corporations Non-financial corporations Households Total Gross carrying amount By product On demand and short notice - 10 - 151 2,833 648 3,641 3,834 Credit card debt - 8 1 2 2,328 13,108 15,446 16,495 Commercial debtors 948 - 195 16,190 103 17,436 17,716 Finance leases - 226 - 3 8,014 406 8,650 9,077 Reverse repurchase loans - 293 477 - - - 770 772 Other term loans 3,911 26,839 2,947 7,030 133,573 157,760 332,060 342,264 Advances that are not loans 29 1,592 5,771 2,088 984 498 10,962 11,025 LOANS AND ADVANCES 3,941 29,917 9,196 9,468 163,922 172,522 388,966 401,183 By secured loans Of which: mortgage loans collateralized by immovable property 1,056 15 219 26,784 111,809 139,883 144,005 Of which: other collateralized loans - 7,179 285 1,389 31,393 6,835 47,081 47,855 By purpose of the loan Of which: credit for consumption 40,124 40,124 42,736 Of which: lending for house purchase 111,007 111,007 112,952 By subordination Of which: project finance loans 13,973 13,973 14,286 December 2017 (Millions of Euros) Central banks General governments Credit institutions Other financial corporations Non-financial corporations Households Total On demand and short notice - 222 - 270 7,663 2,405 10,560 Credit card debt - 6 - 3 1,862 13,964 15,835 Trade receivables 1,624 - 497 20,385 198 22,705 Finance leases - 205 - 36 8,040 361 8,642 Reverse repurchase loans 305 1,290 13,793 10,912 - - 26,300 Other term loans 6,993 26,983 4,463 5,763 125,228 155,418 324,848 Advances that are not loans 2 1,964 8,005 1,044 1,459 522 12,995 LOANS AND ADVANCES 7,301 32,294 26,261 18,525 164,637 172,868 421,886 Of which: mortgage loans (Loans collateralized by immovable property) 998 - 308 37,353 116,938 155,597 Of which: other collateralized loans 7,167 13,501 12,907 24,100 9,092 66,767 Of which: credit for consumption 40,705 40,705 Of which: lending for house purchase 114,709 114,709 Of which: project finance loans 16,412 16,412
Guaranteed financial instruments based on IFRS 9	December 2019 (Millions of Euros) Maximum exposure to credit risk Of which secured by collateral Residential properties Commercial properties Cash Others Financial Impaired loans and advances at amortized cost 15,959 3,396 939 35 221 542 Total 15,959 3,396 939 35 221 542 December 2018 (Millions of Euros) Maximum exposure to credit risk Of which secured by collateral Residential properties Commercial properties Cash Others Financial Impaired loans and advances at amortized cost 16,359 3,484 1,255 13 317 502 Total 16,359 3,484 1,255 13 317 502
Financial Guarantee received	Guarantees received (Millions of Euros) 2019 2018 Value of collateral 152,454 158,268 Of which: guarantees normal risks under special monitoring 14,623 14,087 Of which: guarantees non-performing risks 4,590 5,068 Value of other guarantees 35,464 16,897 Of which: guarantees normal risks under special monitoring 3,306 1,519 Of which: guarantees non-performing risks 542 502 Total value of guarantees received 187,918 175,165
BBVA Abridged Rating Scale	External rating Internal rating Probability of default (basic points) Standard&Poor's List Reduced List (22 groups) Average Minimum from >= Maximum AAA AAA 1 0 2 AA+ AA+ 2 2 3 AA AA 3 3 4 AA- AA- 4 4 5 A+ A+ 5 5 6 A A 8 6 9 A- A- 10 9 11 BBB+ BBB+ 14 11 17 BBB BBB 20 17 24 BBB- BBB- 31 24 39 BB+ BB+ 51 39 67 BB BB 88 67 116 BB- BB- 150 116 194 B+ B+ 255 194 335 B B 441 335 581 B- B- 785 581 1,061 CCC+ CCC+ 1,191 1,061 1,336 CCC CCC 1,500 1,336 1,684 CCC- CCC- 1,890 1,684 2,121 CC+ CC+ 2,381 2,121 2,673 CC CC 3,000 2,673 3,367 CC- CC- 3,780 3,367 4,243
Probability of Default	Probability of default (basis points) December 2019 December 2018 Subject to 12 month ECL ( Stage 1) Subject to lifetime ECL ( Stage 2) Subject to 12 month ECL ( Stage 1) Subject to lifetime ECL ( Stage 2) % % % % 0 to 2 5.5 - 9.6 - 2 to 5 6.3 - 10.8 0.1 5 to 11 14.6 0.2 6.3 - 11 to 39 24.5 0.8 20.9 0.4 39 to 194 24.5 1.6 30.1 1.8 194 to 1,061 14.0 3.6 12.2 3.6 1,061 to 2,121 1.4 1.2 1.6 1.2 > 2,121 0.4 1.5 0.2 1.2 Total 91.0 9.0 91.7 8.3
Loans And Advances Impaired And Accumulated Impairment by Sectors	December 2019 (Millions of Euros) Gross carrying amount Non-performing loans and advances Accumulated impairment Non-performing loans and advances as a % of the total Central banks 4,285 - (9) 0.0% General governments 28,281 88 (60) 0.3% Credit institutions 13,664 6 (15) 0.0% Other financial corporations 11,239 17 (31) 0.2% Non-financial corporations 173,254 8,467 (6,465) 4.9% Agriculture, forestry and fishing 3,758 154 (124) 4.1% Mining and quarrying 4,669 100 (86) 2.1% Manufacturing 39,517 1,711 (1,242) 4.3% Electricity, gas, steam and air conditioning supply 12,305 684 (575) 5.6% Water supply 900 14 (16) 1.6% Construction 10,945 1,377 (876) 12.6% Wholesale and retail trade 27,467 1,799 (1,448) 6.6% Transport and storage 9,638 507 (392) 5.3% Accommodation and food service activities 8,703 279 (203) 3.2% Information and communications 6,316 95 (65) 1.5% Financial and insurance activities 6,864 191 (140) 2.8% Real estate activities 19,435 782 (527) 4.0% Professional, scientific and technical activities 4,375 167 (140) 3.8% Administrative and support service activities 3,415 118 (134) 3.4% Public administration and defense; compulsory social security 282 5 (6) 1.7% Education 903 41 (38) 4.5% Human health services and social work activities 4,696 66 (55) 1.4% Arts, entertainment and recreation 1,396 47 (39) 3.4% Other services 7,671 331 (360) 4.3% Households 181,989 7,381 (5,847) 4.1% LOANS AND ADVANCES 412,711 15,959 (12,427) 3.9% December 2018 (Millions of Euros) Gross carrying amount Non-performing loans and advances Accumulated impairment Non-performing loans and advances as a % of the total Central Banks 3,947 - (6) - General governments 28,198 128 (84) 0.4% Credit institutions 9,175 10 (12) 0.1% Other financial corporations 9,490 11 (22) 0.1% Non-financial corporations 170,182 8,372 (6,260) 4.9% Agriculture, forestry and fishing 3,685 122 (107) 3.3% Mining and quarrying 4,952 96 (70) 1.9% Manufacturing 36,772 1,695 (1,134) 4.6% Electricity, gas, steam and air conditioning supply 13,853 585 (446) 4.2% Water supply 1,061 19 (15) 1.8% Construction 11,899 1,488 (1,007) 12.5% Wholesale and retail trade 25,833 1,624 (1,259) 6.3% Transport and storage 9,798 459 (374) 4.7% Accommodation and food service activities 7,882 315 (204) 4.0% Information and communication 5,238 113 (72) 2.1% Financial and insurance activities 6,929 147 (128) 2.1% Real estate activities 17,272 834 (624) 4.8% Professional, scientific and technical activities 5,096 204 (171) 4.0% Administrative and support service activities 3,162 128 (125) 4.0% Public administration and defense, compulsory social security 319 5 (7) 1.6% Education 912 31 (31) 3.4% Human health services and social work activities 4,406 63 (63) 1.4% Arts, entertainment and recreation 1,323 59 (41) 4.5% Other services 9,791 386 (382) 3.9% Households 178,355 7,838 (5,833) 4.4% LOANS AND ADVANCES 399,347 16,359 (12,217) 4.1% December 2017 (Millions of Euros) Non-performing Accumulated impairment or Accumulated changes in fair value due to credit risk Non-performing loans and advances as a % of the total General governments 171 (111) 0.5% Credit institutions 11 (36) 0.3% Other financial corporations 12 (26) 0.1% Non-financial corporations 10,791 (7,538) 6.3% Agriculture, forestry and fishing 166 (123) 4.3% Mining and quarrying 177 (123) 3.7% Manufacturing 1,239 (955) 3.6% Electricity, gas, steam and air conditioning supply 213 (289) 1.8% Water supply 29 (11) 4.5% Construction 2,993 (1,708) 20.1% Wholesale and retail trade 1,706 (1,230) 5.9% Transport and storage 441 (353) 4.2% Accommodation and food service activities 362 (222) 4.3% Information and communication 984 (256) 17.0% Real estate activities 1,171 (1,100) 7.9% Professional, scientific and technical activities 252 (183) 3.8% Administrative and support service activities 188 (130) 6.3% Public administration and defense, compulsory social security 4 (6) 1.9% Education 31 (25) 3.4% Human health services and social work activities 75 (68) 1.7% Arts, entertainment and recreation 69 (38) 4.6% Other services 690 (716) 4.3% Households 8,417 (5,073) 4.7% LOANS AND ADVANCES 19,401 (12,784) 4.5%
Changes In Impaired Financial Assets And Contingent Risks	Changes in impaired financial assets and contingent risks (Millions of Euros) 2019 2018 2017 Balance at the beginning 17,134 20,590 23,877 Additions 9,857 9,792 10,856 Decreases (*) (5,874) (6,909) (7,771) Net additions 3,983 2,883 3,085 Amounts written-off (3,803) (5,076) (5,758) Exchange differences and other (544) (1,264) (615) Balance at the end 16,770 17,134 20,590
Changes In Impaired Financial Assets Written Off	Changes in impaired financial assets written-off from the balance sheet (Millions of Euros) Notes 2019 2018 2017 Balance at the beginning 32,343 30,139 29,347 Increase 4,712 6,164 5,986 Decrease: (11,039) (4,210) (4,442) Re-financing or restructuring (2) (10) (9) Cash recovery 47 (919) (589) (558) Foreclosed assets (617) (625) (149) Sales (*) (8,325) (1,805) (2,284) Debt forgiveness (493) (889) (1,121) Time-barred debt and other causes (682) (292) (321) Net exchange differences 230 250 (752) Balance at the end 26,245 32,343 30,139
Corrections Loans And Advances At Amortized Cost	Changes in gross accounting balances of loans and advances at amortized cost. December 2019 (Millions of Euros) Stage 1 Stage 2 Stage 3 Total Opening balance 352,282 30,707 16,359 399,347 Transfers of financial assets: (9,021) 6,279 2,741 - Transfers from stage 1 to Stage 2 (13,546) 13,546 - - Transfers from stage 2 to Stage 1 5,656 (5,656) - - Transfers to Stage 3 (1,571) (2,698) 4,269 - Transfers from Stage 3 440 1,087 (1,527) - Net annual origination of financial assets 20,296 (2,739) 246 17,804 Becoming write- offs (152) (349) (3,407) (3,908) Foreign exchange 1,611 35 16 1,662 Modifications that do not result in derecognition (1) (27) 15 (13) Other (1,782) (388) (11) (2,180) Closing balance 363,234 33,518 15,959 412,711
Changes In Value Corrections Loans And Advances At Amortized Cost	Changes in allowances of loans and advances at amortized cost. December 2019 (Millions of Euros) Stage 1 Stage 2 Stage 3 Total Opening balance (2,082) (2,375) (7,761) (12,217) Transfers of financial assets: 176 (227) (1,574) (1,626) Transfers from stage 1 to Stage 2 126 (649) - (523) Transfers from stage 2 to Stage 1 (38) 273 - 235 Transfers to Stage 3 89 234 (1,810) (1,487) Transfers from Stage 3 (1) (86) 236 149 Net annual origination of allowances (542) (116) (1,711) (2,370) Becoming write- offs 130 337 2,789 3,256 Foreign exchange (30) (18) 69 20 Modifications that do not result in derecognition (15) (149) (89) (254) Other 215 366 183 764 Closing balance (2,149) (2,183) (8,094) (12,427)
Impairement Losses Reconciliations I	Financial assets at amortized cost. December 2018 (Millions of Euros) Not credit-impaired Credit-impaired Total Stage 1 Stage 2 Credit-impaired (Stage 3) Loss allowances Loss allowances (collectively assessed) Loss allowances (individually assessed) Loss allowances Loss allowances Opening balance (2,237) (1,827) (525) (9,371) (13,960) Transfers from Stage 1 to Stage 2 (not credit-impaired) 208 (930) (218) - (940) Transfers from Stage 2 (not credit - impaired) to Stage 1 (125) 619 50 - 544 Transfers to Stage 3 55 282 564 (2,127) (1,226) Transfers from Stage 3 to Stage 1 or 2 (7) (126) (68) 333 132 Changes without transfers between Stages 358 (53) (260) (3,775) (3,730) New financial assets originated (1,072) (375) (244) - (1,692) Disposals 2 3 - 110 115 Repayments 641 432 118 1,432 2,623 Write-offs 13 14 2 4,433 4,461 Foreign exchange (84) 72 (93) 343 239 Modifications that result in derecognition 5 10 25 98 138 Modifications that do not result in derecognition 3 (8) 1 (362) (366) Other 135 133 20 1,111 1,399 Closing balance (2,106) (1,753) (628) (7,777) (12,264) Of which: Loans and advances - - - - (12,217) Of which: Debt certificates - - - - (46)
Impairement losses reconciliations II	Financial assets at amortized cost. December 2017 (Millions of Euros) (*) Opening balance Increases due to amounts set aside for estimated loan losses during the year Decreases due to amounts reversed for estimated loan losses during the year Decreases due to amounts taken against allowances Transfers between allowances Other adjustments Closing balance Recoveries recorded directly to the statement of profit or loss Specific allowances for financial assets, individually and collectively estimated (10,937) (7,484) 2,878 4,503 1,810 526 (8,703) 558 Debt securities (144) (26) 6 - 123 13 (28) - Credit institutions (15) (5) 4 - 16 - - - Other financial corporations (26) (4) 2 - - 13 (16) - Non-financial corporations (103) (17) - - 107 - (12) - Loans and advances (10,793) (7,458) 2,872 4,503 1,687 513 (8,675) 558 General governments (39) (70) 37 14 1 15 (42) 1 Credit institutions (7) (2) 2 - - 1 (6) - Other financial corporations (25) (287) 3 38 227 38 (7) - Non-financial corporations (7,402) (3,627) 1,993 3,029 (228) 636 (5,599) 345 Households (3,319) (3,472) 837 1,422 1,687 (177) (3,022) 212 Collective allowances for incurred but not reported losses on financial assets (5,270) (1,783) 2,159 1,537 (1,328) 557 (4,130) - Debt securities (46) (8) 30 1 - 3 (21) - Loans and advances (5,224) (1,776) 2,128 1,536 (1,328) 554 (4,109) - Total (16,206) (9,267) 5,037 6,038 482 1,083 (12,833) 558
Headings Of Balance Sheet Under Market Risk	Headings of the balance sheet under market risk (Millions of Euros) December 2019 December 2018 December 2017 Main market risk metrics - VaR Main market risk metrics - Others (*) Main market risk metrics - VaR Main market risk metrics - Others (*) Main market risk metrics - VaR Main market risk metrics - Others (*) Assets subject to market risk Financial assets held for trading 96,461 1,671 114,156 124 59,008 441 Financial assets at fair value through other comprehensive income 7,089 24,691 5,652 19,125 5,661 24,083 Of which: Equity instruments - 1,783 - 2,046 - 2,404 Derivatives - Hedge accounting 628 840 688 1,061 829 1,397 Financial liabilities held for trading 74,967 12,677 67,859 11,011 42,468 2,526 Derivatives - Hedge accounting 671 1,183 550 910 1,157 638
VAR By Risk Factor	VaR by Risk Factor (Millions of Euros) Interest/Spread risk Currency risk Stock-market risk Vega/Correlation risk Diversification effect(*) Total December 2019 VaR average in the year 21 6 4 9 (20) 19 VaR max in the year 28 6 3 9 (21) 25 VaR min in the year 13 5 5 9 (18) 14 End of period VaR 24 5 5 8 (22) 20 December 2018 VaR average in the year 20 6 4 9 (20) 21 VaR max in the year 23 7 6 11 (21) 26 VaR min in the year 17 6 4 7 (18) 16 End of period VaR 19 5 3 7 (17) 17 December 2017 VaR average in the year 25 10 3 13 (23) 27 VaR max in the year 27 11 2 12 (19) 34 VaR min in the year 23 7 4 14 (26) 22 End of period VaR 23 7 4 14 (26) 22
Expected Shortfall	Impact of the stress test (Millions of Euros) Europe Mexico Peru Venezuela Argentina Colombia Turkey The United States Expected shortfall (112) (68) (23) - (4) (5) (9) (3)
Effect Of Compensation	December 2019 (Millions of Euros) Gross amounts not offset in the consolidated balance sheets (D) Notes Gross amounts recognized (A) Gross amounts offset in the consolidated balance sheets (B) Net amount presented in the consolidated balance sheets (C=A-B) Financial instruments Cash collateral received/ pledged Net amount (E=C-D) Trading and hedging derivatives 10, 15 37,302 2,388 34,914 25,973 8,210 731 Reverse repurchase, securities borrowing and similar agreements 35,805 21 35,784 35,618 204 (39) Total Assets 73,107 2,409 70,698 61,591 8,415 692 Trading and hedging derivatives 10, 15 39,646 2,394 37,252 25,973 10,613 667 Repurchase, securities lending and similar agreements 45,977 21 45,956 45,239 420 297 Total Liabilities 85,623 2,414 83,209 71,212 11,033 964 December 2018 (Millions of Euros) Gross Amounts Not Offset in the Consolidated Balance Sheets (D) Notes Gross amounts recognized (A) Gross amounts offset in the consolidated balance sheets (B) Net amount presented in the consolidated balance sheets (C=A-B) Financial instruments Cash collateral received/ pledged Net amount (E=C-D) Trading and hedging derivatives 10, 15 49,908 16,480 33,428 25,024 7,790 613 Reverse repurchase, securities borrowing and similar agreements 28,074 42 28,032 28,022 169 (159) Total Assets 77,982 16,522 61,460 53,046 7,959 454 Trading and hedging derivatives 10, 15 51,596 17,101 34,494 25,024 6,788 2,682 Repurchase, securities lending and similar agreements 43,035 42 42,993 42,877 34 82 Total liabilities 94,631 17,143 77,487 67,901 6,822 2,765 December 2017 (Millions of Euros) Gross Amounts Not Offset in the Consolidated Balance Sheets (D) Notes Gross amounts recognized (A) Gross amounts offset in the consolidated balance sheets (B) Net amount presented in the consolidated balance sheets (C=A-B) Financial instruments Cash collateral received/ pledged Net amount (E=C-D) Trading and hedging derivatives 10, 15 49,333 11,584 37,749 27,106 7,442 3,202 Reverse repurchase, securities borrowing and similar agreements 26,426 56 26,369 26,612 141 (384) Total Assets 75,759 11,641 64,118 53,717 7,583 2,818 Trading and hedging derivatives 10, 15 50,693 11,644 39,049 27,106 8,328 3,615 Repurchase, securities lending and similar agreements 40,134 56 40,078 40,158 21 (101) Total Liabilities 90,827 11,701 79,126 67,264 8,349 3,514
Sensitivity Analysis To Interest Rate	Sensitivity to interest-rate analysis - December 2019 Impact on net interest income (*) Impact on economic value (**) 100 basis-point increase 100 basis-point decrease 100 basis-point increase 100 basis-point decrease Europe (***) + (5% - 10%) - (0% - 5%) + (0% - 5%) - (0% - 5%) Mexico + (0% - 5%) - (0% - 5%) + (0% - 5%) - (0% - 5%) The United States + (5% - 10%) - (5% - 10%) - (5% - 10%) + (0% - 5%) Turkey + (0% - 5%) - (0% - 5%) - (0% - 5%) + (0% - 5%) South America + (0% - 5%) - (0% - 5%) - (0% - 5%) + (0% - 5%) BBVA Group + (0% - 5%) - (0% - 5%) - (0% - 5%) - (0% - 5%)
LtSCD By LMU	LtSCD by LMU December 2019 December 2018 December 2017 Group (average) 108% 106% 110% Eurozone 108% 101% 108% BBVA Mexico 116% 114% 109% BBVA USA 111% 119% 109% Garanti BBVA 99% 110% 122% Other LMUs 103% 99% 108%
Liquidity Risk Coverage By UGL	LCR main LMU Group 129% 127% 128% Eurozone 147% 145% 151% BBVA Mexico 147% 154% 148% BBVA USA (*) 145% 143% 144% Garanti BBVA 206% 209% 134%
Liquidity Available by Instrument and Subsidiaries	December 2019 (Millions of Euros) BBVA Eurozone BBVA Mexico BBVA USA Garanti BBVA Other Cash and withdrawable central bank reserves 14,516 6,246 4,949 6,450 6,368 Level 1 tradable assets 41,961 7,295 11,337 7,953 3,593 Level 2A tradable assets 403 316 344 - - Level 2B tradable assets 5,196 219 - - 12 Other tradable assets 22,213 1,269 952 669 586 Non tradable assets eligible for central banks - - 2,935 - - Cumulated counterbalancing capacity 84,288 15,344 20,516 15,072 10,559 December 2018 (Millions of Euros) BBVA Eurozone BBVA Mexico BBVA USA Garanti BBVA Other Cash and withdrawable central bank reserves 26,506 7,666 1,667 7,633 6,677 Level 1 tradable assets 29,938 4,995 10,490 6,502 3,652 Level 2A tradable assets 449 409 510 - - Level 2B tradable assets 4,040 33 - - - Other tradable assets (*) 8,772 1,372 1,043 499 617 Non tradable assets eligible for central banks - - 2,314 - - Cumulated counterbalancing capacity 69,705 14,475 16,024 14,634 10,946 December 2017 (Millions of Euros) BBVA Eurozone (1) BBVA Mexico BBVA USA Garanti BBVA Other Cash and withdrawable central bank reserves 15,634 8,649 2,150 6,692 6,083 Level 1 tradable assets 38,954 3,805 9,028 5,705 6,141 Level 2A tradable assets 386 418 753 - 10 Level 2B tradable assets 4,995 69 - - 21 Other tradable assets (*) 10,192 1,703 1,252 962 1,573 Non tradable assets eligible for central banks - - 2,800 - - Cumulated counterbalancing capacity 70,163 14,644 15,983 13,359 13,828
Net Stable Finance Ratio NSFR	NSFR main LMU December 2019 Group 120% BBVA Eurozone 113% BBVA Mexico 130% BBVA USA 116% Garanti BBVA 151%
Matrix Of Residual Maturities	December 2019. Contractual maturities (Millions of Euros) Demand Up to 1 month 1 to 3 months 3 to 6 months 6 to 9 months 9 to 12 months 1 to 2 years 2 to 3 years 3 to 5 years Over 5 years Total ASSETS Cash, cash balances at central banks and other demand deposits 20,954 20,654 - - - - - - - - 41,608 Deposits in credit entities - 3,591 283 488 585 503 189 24 120 432 6,216 Deposits in other financial institutions - 1,336 1,120 796 589 991 1,420 1,072 672 2,089 10,084 Reverse repo, securities borrowing and margin lending - 21,612 3,858 2,287 561 808 4,121 1,838 411 803 36,299 Loans and advances 157 22,015 25,056 24,994 15,777 16,404 42,165 35,917 54,772 122,098 359,354 Securities' portfolio settlement - 1,622 3,873 6,620 2,017 7,292 21,334 6,115 13,240 46,022 108,136 December 2019. Contractual maturities (Millions of Euros) Demand Up to 1 month 1 to 3 months 3 to 6 months 6 to 9 months 9 to 12 months 1 to 2 years 2 to 3 years 3 to 5 years Over 5 years Total LIABILITIES Wholesale funding 1 1,393 1,714 4,208 1,645 4,386 8,328 10,608 10,803 27,840 70,927 Deposits in financial institutions 7,377 7,608 493 1,122 172 1,514 386 614 206 510 20,004 Deposits in other financial institutions and international agencies 10,177 3,859 867 381 367 257 982 503 499 952 18,843 Customer deposits 271,638 43,577 18,550 10,013 7,266 6,605 3,717 2,062 854 1,039 365,321 Security pledge funding - 45,135 3,202 15,801 1,456 653 3,393 7,206 759 1,308 78,914 Derivatives, net - (66) (25) 29 (11) 1,097 (830) (278) (333) (420) (838) December 2018. Contractual maturities (Millions of Euros) Demand Up to 1 month 1 to 3 months 3 to 6 months 6 to 9 months 9 to 12 months 1 to 2 years 2 to 3 years 3 to 5 years Over 5 years Total ASSETS Cash, cash balances at central banks and other demand deposits 9,550 40,599 - - - - - - - - 50,149 Deposits in credit entities 801 3,211 216 141 83 152 133 178 27 1,269 6,211 Deposits in other financial institutions 1 1,408 750 664 647 375 1,724 896 1,286 2,764 10,515 Reverse repo, securities borrowing and margin lending - 21,266 1,655 1,158 805 498 205 1,352 390 210 27,539 Loans and Advances 132 19,825 25,939 23,265 15,347 16,433 42,100 32,336 53,386 120,571 349,334 Securities' portfolio settlement - 1,875 4,379 5,990 2,148 6,823 8,592 12,423 11,533 42,738 96,501 December 2018. Contractual Maturities (Millions of Euros) Demand Up to 1 month 1 to 3 months 3 to 6 months 6 to 9 months 9 to 12 months 1 to 2 years 2 to 3 years 3 to 5 years Over 5 years Total LIABILITIES Wholesale funding 1 2,678 1,652 2,160 2,425 2,736 7,225 8,578 16,040 26,363 69,858 Deposits in financial institutions 7,107 5,599 751 1,992 377 1,240 1,149 229 196 904 19,544 Deposits in other financial institutions and international agencies 10,680 4,327 1,580 458 302 309 781 304 825 1,692 21,258 Customer deposits 252,630 44,866 18,514 10,625 6,217 7,345 5,667 2,137 1,207 1,310 350,518 Security pledge funding 40 46,489 2,219 2,274 114 97 22,911 526 218 1,627 76,515 Derivatives, net - (75) (523) (68) (5) (117) 498 (91) (67) (392) (840) December 2017. Contractual Maturities (Millions of euros) Demand Up to 1 month 1 to 3 months 3 to 6 months 6 to 9 months 9 to 12 months 1 to 2 years 2 to 3 years 3 to 5 years Over 5 years Total ASSETS Cash, cash balances at central banks and other demand deposits 8,179 31,029 - - - - - - - - 39,208 Deposits in credit entities 252 4,391 181 169 120 122 116 112 157 1,868 7,488 Deposits in other financial institutions 1 939 758 796 628 447 1,029 681 806 1,975 8,060 Reverse repo, securities borrowing and margin lending 18,979 2,689 1,921 541 426 815 30 727 226 - 26,354 Loans and Advances 267 21,203 26,323 23,606 15,380 17,516 43,973 35,383 50,809 123,568 358,028 Securities' portfolio settlement 1 1,579 4,159 4,423 2,380 13,391 5,789 11,289 12,070 44,666 99,747 December 2017. Contractual maturities (Millions of Euros) Demand Up to 1 month 1 to 3 months 3 to 6 months 6 to 9 months 9 to 12 months 1 to 2 years 2 to 3 years 3 to 5 years Over 5 years Total LIABILITIES Wholesale funding - 3,648 4,209 4,238 1,227 2,456 5,772 6,432 18,391 30,162 76,535 Deposits in financial institutions 6,831 5,863 1,082 2,335 392 1,714 930 765 171 1,429 21,512 Deposits in other financial institutions and international agencies 10,700 4,827 3,290 1,959 554 1,328 963 286 355 1,045 25,307 Customer deposits 233,068 45,171 18,616 11,428 8,711 10,368 7,607 2,612 1,833 2,034 341,448 Security pledge funding - 35,502 2,284 1,405 396 973 64 23,009 338 1,697 65,668 Derivatives, net - (18) (110) (116) (135) (117) (336) (91) (106) (419) (1,448)
Table of Encumbered Assets	December 2019 (Millions of Euros) Encumbered assets Non-encumbered assets Book value Market value Book value Market value Assets 101,792 596,898 Equity instruments 3,526 3,526 12,113 12,113 Debt securities 29,630 29,567 95,611 95,611 Loans and advances and other assets 68,636 489,174 December 2018 (Millions of Euros) Encumbered assets Non-encumbered assets Book value Market value Book value Market value Assets 107,950 567,573 Equity instruments 1,864 1,864 6,485 6,485 Debt Securities 31,157 32,216 82,209 82,209 Loans and Advances and other assets 74,928 - 478,880 - December 2017 (Millions of euros) Encumbered assets Non-encumbered assets Book value Market value Book value Market value Assets 110,600 579,459 Equity instruments 2,297 2,297 9,616 9,616 Debt Securities 28,700 29,798 84,391 84,391 Loans and Advances and other assets 79,604 485,451
Collateral Received	December 2019. Collateral received (Millions of euros) Fair value of encumbered collateral received or own debt securities issued Fair value of collateral received or own debt securities issued available for encumbrance Nominal amount of collateral received or own debt securities issued not available for encumbrance Collateral received 38,496 9,208 48 Equity instruments 65 70 - Debt securities 38,431 9,130 38 Loans and advances and other assets - 8 10 Own debt securities issued other than own covered bonds or ABSs - 82 - December 2018. Collateral received (Millions of Euros) Fair value of encumbered collateral received or own debt securities issued Fair value of collateral received or own debt securities issued available for encumbrance Nominal amount of collateral received or own debt securities issued not available for encumbrance Collateral received 27,474 5,633 319 Equity instruments 89 82 - Debt securities 27,385 5,542 300 Loans and advances and other assets - 8 19 Own debt securities issued other than own covered bonds or ABSs 78 87 - December 2017. Collateral received (Millions of euros) Fair value of encumbered collateral received or own debt securities issued Fair value of collateral received or own debt securities issued available for encumbrance Nominal amount of collateral received or own debt securities issued not available for encumbrance Collateral received 23,881 9,630 201 Equity instruments 103 5 - Debt securities 23,715 9,619 121 Loans and Advances and other assets 63 6 80 Own debt securities issued other than own covered bonds or ABSs 3 161 -
Sources Of Encumbrance	Sources of encumbrance (Millions of Euros) December 2019 December 2018 December 2017 Matching liabilities, contingent liabilities or securities lent Assets, collateral received and own debt securities issued other than covered bonds and ABSs encumbered Matching liabilities, contingent liabilities or securities lent Assets, collateral received and own debt securities issued other than covered bonds and ABSs encumbered Matching liabilities, contingent liabilities or securities lent Assets, collateral received and own debt securities issued other than covered bonds and ABSs encumbered Book value of financial liabilities 124,252 135,500 113,498 131,172 118,704 133,312 Derivatives 19,066 20,004 8,972 11,036 11,843 11,103 Loans and advances 87,906 94,240 85,989 97,361 87,484 98,478 Outstanding subordinated debt 17,280 21,256 18,538 22,775 19,377 23,732 Other sources 449 4,788 3,972 4,330 305 1,028

Note 8 - Fair Value (Tables)

Note 8 - Fair Value (Tables)	12 Months Ended
	Dec. 31, 2019
Fair Value Abstract
Carrying Value And Fair Value	Fair Value and carrying amount (Millions of euros) 2019 2018 Notes Carrying amount Fair value Carrying amount Fair value ASSETS Cash, cash balances at central banks and other demand deposits 9 44,303 44,303 58,196 58,196 Financial assets held for trading 10 102,688 102,688 90,117 90,117 Non-trading financial assets mandatorily at fair value through profit or loss 11 5,557 5,557 5,135 5,135 Financial assets designated at fair value through profit or loss 12 1,214 1,214 1,313 1,313 Financial assets at fair value through other comprehensive income 13 61,183 61,183 56,337 56,337 Financial assets at amortized cost 14 439,162 442,788 419,660 419,857 Hedging derivatives 15 1,729 1,729 2,892 2,892 LIABILITIES Financial liabilities held for trading 10 89,633 89,633 80,774 80,774 Financial liabilities designated at fair value through profit or loss 12 10,010 10,010 6,993 6,993 Financial liabilities at amortized cost 22 516,641 515,910 509,185 510,300 Hedging derivatives 15 2,233 2,233 2,680 2,680 Fair value and carrying amount (Millions of Euros) 2017 Notes Carrying amount Fair value ASSETS Cash, cash balances at central banks and other demand deposits 9 42,680 42,680 Financial assets held for trading 10 64,695 64,695 Financial assets designated at fair value through profit or loss 12 2,709 2,709 Available-for-sale financial assets - 69,476 69,476 Loans and receivables - 431,521 438,991 Held-to-maturity investments - 13,754 13,865 Derivatives – Hedge accounting 15 2,485 2,485 LIABILITIES Financial liabilities held for trading 10 46,182 46,182 Financial liabilities designated at fair value through profit or loss 12 2,222 2,222 Financial liabilities at amortized cost 22 543,713 544,604 Derivatives – Hedge accounting 15 2,880 2,880
Fair Value Of Financial Instruments	Fair value of financial instruments by levels (Millions of Euros) 2019 2018 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 ASSETS- Financial assets held for trading 31,135 70,045 1,508 26,730 62,983 404 Loans and advances 697 32,321 1,285 47 28,642 60 Debt securities 18,076 8,178 55 17,884 7,494 199 Equity instruments 8,832 - 59 5,194 - 60 Derivatives 3,530 29,546 109 3,605 26,846 85 Non-trading financial assets mandatorily at fair value through profit or loss 4,305 92 1,160 3,127 78 1,929 Loans and advances 82 - 1,038 25 - 1,778 Debt securities - 91 19 90 71 76 Equity instruments 4,223 1 103 3,012 8 75 Financial assets designated at fair value through profit or loss 1,214 - - 1,313 - - Debt securities 1,214 - - 1,313 - - Financial assets at fair value through other comprehensive income 50,896 9,203 1,084 45,824 9,323 1,190 Loans and advances 33 - - 33 - - Debt securities 49,070 9,057 604 43,788 9,211 711 Equity instruments 1,794 146 480 2,003 113 479 Hedging derivatives 44 1,685 - 7 2,882 3 LIABILITIES- Financial liabilities held for trading 26,266 62,541 827 22,932 57,573 269 Deposits 9,595 32,121 649 7,989 29,945 - Trading derivatives 4,425 30,419 175 3,919 27,628 267 Other financial liabilities 12,246 1 2 11,024 - 1 Financial liabilities designated at fair value through profit or loss - 9,984 27 - 4,478 2,515 Customer deposits - 944 - - 976 - Debt certificates - 4,629 27 - 2,858 - Other financial liabilities - 4,410 - - 643 2,515 Derivatives – Hedge accounting 30 2,192 11 223 2,454 3 Fair value of financial instruments by levels (Millions of euros) 2017 Level 1 Level 2 Level 3 ASSETS- Financial assets held for trading 29,057 35,349 289 Loans and advances to customers - 56 - Debt securities 21,107 1,444 22 Equity instruments 6,688 33 80 Derivatives 1,262 33,815 187 Financial assets designated at fair value through profit or loss 2,061 648 - Loans and advances to customers - 648 - Debt securities 174 - - Equity instruments 1,888 - - Available-for-sale financial assets 57,381 11,082 544 Debt securities 54,850 10,948 454 Equity instruments 2,531 134 90 Hedging derivatives - 2,483 2 LIABILITIES- Financial liabilities held for trading 11,191 34,866 125 Derivatives 1,183 34,866 119 Short positions 10,008 - 6 Financial liabilities designated at fair value through profit or loss - 2,222 - Derivatives – Hedge accounting 274 2,606 -
Financial Instruments At Fair Value By Levels	Fair value of financial Instruments by levels. December 2019 (Millions of euros) Level 2 Level 3 Valuation technique(s) Observable inputs Unobservable inputs ASSETS Financial assets held for trading 70,045 1,508 - Issuer´s credit risk - Current market interest rates - Funding interest rates observed in the market or in consensus services - Exchange rates - Prepayment rates - Issuer´s credit risk - Recovery rates - Funding interest rates not observed in the market or in consensus services Loans and advances 32,321 1,285 Present-value method (Discounted future cash flows) Debt securities 8,178 55 Present-value method (Discounted future cash flows) Observed prices in non active markets - Issuer´s credit risk - Current market interest rates - Non active markets prices - Prepayment rates - Issuer´s credit risk - Recovery rates Equity instruments - 59 Comparable pricing (Observable price in a similar market) Present-value method - Brokers quotes - Market operations - NAVs published - NAV not published Derivatives 29,546 109 Interest rate Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations - Beta - Implicit correlations between tenors - interest rates volatility Equity Future and Equity Forward: Discounted future cash flows Equity Options: Local Volatility, Momentum adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations - Implicit dividends and long term repos Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations Credit Credit Derivatives: Default model and Gaussian copula - Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility Commodities Commodities: Momentum adjustment and discounted cash flows Non-trading financial assets mandatorily at fair value through profit or loss 92 1,160 Loans and advances - 1,038 Specific liquidation criteria regarding losses of the EPA proceedings PD and LGD of the internal models, valuations and specific criteria of the EPA proceedings Discounted future cash flows - Prepayment rates - Business plan of the underlying asset, WACC, macro scenario - Property valuation Debt securities 91 19 Present-value method (Discounted future cash flows) - Issuer credit risk - Current market interest rates - Prepayment rates - Issuer credit risk - Recovery rates Equity instruments 1 103 Comparable pricing (Observable price in a similar market) Present-value method - Brokers quotes - Market operations - NAVs published - NAV provided by the administrator of the fund Financial assets at fair value through other comprehensive income 9,203 1,084 Debt securities 9,057 604 Present-value method (Discounted future cash flows) Observed prices in non active markets - Issuer´s credit risk - Current market interest rates - Non active market prices - Prepayment rates - Issuer credit risk - Recovery rates Equity instruments 146 480 Comparable pricing (Observable price in a similar market) Present-value method - Brokers quotes - Market operations - NAVs published - NAV provided by the administrator of the fund Hedging derivatives 1,685 - Interest rate Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations Equity Future and Equity Forward: Discounted future cash flows Equity Options: Local volatility, Momentum adjustment Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment Credit Credit Derivatives: Default model and Gaussian copula Commodities Commodities: Momentum adjustment and Discounted cash flows Fair Value of financial Instruments by Levels. December 2019 (Millions of euros) Level 2 Level 3 Valuation technique(s) Observable inputs Unobservable inputs LIABILITIES Financial liabilities held for trading 62,541 827 Deposits 32,121 649 Present-value method (Discounted future cash flows) - Interest rate yield - Funding interest rates observed in the market or in consensus services - Exchange rates - Funding interest rates not observed in the market or in consensus services Derivatives 30,419 175 Interest rate Interest rate products (Interest rate Swaps, call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations - Beta - Correlation between tenors - Interest rates volatility Equity Future and Equity forward: Discounted future cash flows Equity Options: Local volatility, momentum adjustment - Volatility of volatility - Assets correlation Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment - Volatility of volatility - Assets correlation Credit Credit Derivatives: Default model and Gaussian copula - Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility Commodities Commodities: Momentum adjustment and discounted cash flows Short positions 1 2 Present-value method (Discounted future cash flows) - Prepayment rates - Issuer´s credit risk - Current market interest rates Financial liabilities designated at fair value through profit or loss 9,984 27 Present-value method (Discounted future cash flows) - Prepayment rates - Issuer´s credit risk - Current market interest rates - Prepayment rates - Issuer´s credit risk - Current market interest rates Derivatives – Hedge accounting 2,192 11 Interest rate Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations - Beta - Implicit correlations between tenors - interest rates volatility Equity Future and Equity Forward: Discounted future cash flows Equity Options: Local volatility, momentum adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations - Implicit dividends and long term repos Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local Volatility, moments adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations Credit Credit Derivatives: Default model and Gaussian copula - Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility Commodities Commodities: Momentum adjustment and discounted cash flows Fair Value of financial Instruments by Levels. December 2018 (Millions of euros) Level 2 Level 3 Valuation technique(s) Observable inputs Unobservable inputs ASSETS Financial assets held for trading 62,983 404 - Issuer´s credit risk - Current market interest rates - Funding interest rates observed in the market or in consensus services - Exchange rates - Prepayment rates - Issuer´s credit risk - Recovery rates Loans and advances 28,642 60 Present-value method (Discounted future cash flows) Debt securities 7,494 199 Present-value method (Discounted future cash flows) Observed prices in non active markets - Issuer´s credit risk - Current market interest rates - Non active markets prices - Prepayment rates - Issuer´s credit risk - Recovery rates Equity instruments - 60 Comparable pricing (Observable price in a similar market) Present-value method - Brokers quotes - Market operations - NAVs published - NAV provided by the administrator of the funds Derivatives 26,846 85 Interest rate Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations - Beta - Implicit correlations between tenors - interest rates volatility Equity Future and Equity Forward: Discounted future cash flows Equity Options: Local Volatility, Momentum adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations - Implicit dividends and long term repos Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations Credit Credit Derivatives: Default model and Gaussian copula - Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility Commodities Commodities: Momentum adjustment and discounted cash flows Non-trading financial assets mandatorily at fair value through profit or loss 78 1,929 Loans and advances - 1,778 -Present-value method (Discounted future cash flows) Specific criteria for the liquidation of losses established by the EPA protocol - Prepayment rates - Issuer credit risk - Recovery rates - PD and LGD Debt securities 71 76 Present-value method (Discounted future cash flows) - Issuer credit risk - Current market interest rates - Prepayment rates - Issuer credit risk - Recovery rates Equity instruments 8 75 Present-value method (Discounted future cash flows) - Issuer credit risk - Current market interest rates - Prepayment rates - Issuer credit risk - Recovery rates Financial assets at fair value through other comprehensive income 9,323 1,190 Debt securities 9,211 711 Present-value method (Discounted future cash flows) Observed prices in non active markets - Issuer´s credit risk - Current market interest rates - Non active market prices - Prepayment rates - Issuer credit risk - Recovery rates Equity instruments 113 479 Comparable pricing (Observable price in a similar market) Present-value method - Brokers quotes - Market operations - NAVs published - NAV provided by the administrator of the fund Hedging derivatives 2,882 3 Interest rate Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations Equity Future and Equity Forward: Discounted future cash flows Equity Options: Local volatility, Momentum adjustment Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment Credit Credit Derivatives: Default model and Gaussian copula Commodities Commodities: Momentum adjustment and Discounted cash flows Fair Value of financial Instruments by Levels. December 2018 (Millions of euros) Level 2 Level 3 Valuation technique(s) Observable inputs Unobservable inputs LIABILITIES Financial liabilities held for trading 57,573 269 Deposits 29,945 - Derivatives 27,628 267 Interest rate Interest rate products (Interest rate Swaps, call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations - Beta - Correlation between tenors - Interest rates volatility Equity Future and Equity forward: Discounted future cash flows Equity Options: Local volatility, momentum adjustment - Volatility of volatility - Assets correlation Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment - Volatility of volatility - Assets correlation Credit Credit Derivatives: Default model and Gaussian copula - Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility Commodities Commodities: Momentum adjustment and discounted cash flows Short positions 1 Present-value method (Discounted future cash flows) - Correlation default - Credit spread - Recovery rates - Interest rate yield Financial liabilities designated at fair value through profit or loss 4,478 2,515 Present-value method (Discounted future cash flows) - Prepayment rates - Issuer´s credit risk - Current market interest rates - Prepayment rates - Issuer´s credit risk - Current market interest rates Derivatives – Hedge accounting 2,454 3 Interest rate Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR - Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations - Beta - Implicit correlations between tenors - interest rates volatility Equity Future and Equity Forward: Discounted future cash flows Equity Options: Local volatility, momentum adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations - Implicit dividends and long term repos Foreign exchange and gold Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local Volatility, moments adjustment - Volatility of volatility - Implicit assets correlations - Long term implicit correlations Credit Credit Derivatives: Default model and Gaussian copula - Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility Commodities Commodities: Momentum adjustment and discounted cash flows
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets	Financial instrument Valuation technique(s) Significant unobservable inputs Min Average Max Units Loans and advances (*) Present value method Repo funding curve (6) 16 100 b.p Debt securities Net present value Credit spread 18 83 504 b.p Recovery rate 0.00% 28.38% 40.00% % Comparable pricing 0.01% 98.31% 135.94% % Equity instruments (**) Net asset Value Comparable pricing Credit option Gaussian Copula Correlation default 19.37% 44.33% 61.08% % Equity OTC option Heston Forward volatility skew 35.12 35.12 35.12 Vegas Local volatility Dividends (***) Volatility 2.49 23.21 60.90 Vegas FX OTC options Black Scholes/Local Vol Volatility 3.70 6.30 10.05 Vegas Interest rate options Libor Market Model Beta 0.25 2.00 18.00 % Correlation rate/Credit (100) 100 % Credit default Volatility - - - Vegas
Level 3 Financial Instruments	Financial assets Level 3: Changes in the year (Millions of Euros) 2019 2018 2017 Assets Liabilities Assets Liabilities Assets Liabilities Balance at the beginning 3,527 2,787 835 125 822 116 Changes in fair value recognized in profit and loss (*) 112 44 (167) (95) (24) (21) Changes in fair value not recognized in profit and loss 2 - (4) - (45) - Acquisitions, disposals and liquidations (**) 5 595 2,102 2,710 32 320 Net transfers to Level 3 77 (2,751) 761 47 106 (39) Exchange differences and others 31 189 - - (55) (250) Balance at the end 3,753 865 3,527 2,787 835 125
Levels Transfers	Transfer between Levels. December 2019 (Millions of Euros) From: Level 1 Level 2 Level 3 To: Level 2 Level 3 Level 1 Level 3 Level 1 Level2 ASSETS Financial assets held for trading 74 - 1,119 502 1 160 Non-trading financial assets mandatorily at fair value through profit or loss - - 23 2 - 44 Financial assets designated at fair value through profit or loss - - - - 1 - Financial assets at fair value through other comprehensive income 6 6 4 209 - 454 Derivatives - - - 26 - 10 Total 79 6 1,145 739 2 667 LIABILITIES Derivatives - - - 27 - 125 Financial liabilities held for trading 1 - - - - - Financial liabilities designated at fair value through profit or loss - - - 27 - 2,679 Total 1 - - 54 - 2,804
Sensitivity Analysis Level 3	Financial instruments Level 3 2019: Sensitivity analysis (Millions of Euros) Potential impact on consolidated income statement Potential impact on other comprehensive income Most favorable hypothesis Least favorable hypothesis Most favorable hypothesis Least favorable hypothesis ASSETS Financial assets held for trading 5 (60) - - Loans and Advances - (10) - - Debt securities 3 - - - Equity instruments 1 (48) - - Derivatives 2 (2) - - Non-trading financial assets mandatorily at fair value through profit or loss 367 (66) - - Loans and advances 354 (61) - - Debt securities 7 - - - Equity instruments 5 (6) - - Financial assets at fair value through other comprehensive income - - 10 (1) Total 372 (126) 10 (1) LIABILITIES Financial liabilities held for trading 3 (3) - - Total 3 (3) - -
Disclosure of fair value instruments carried at cost main valuation techniques assets explanatory	Fair value of financial instruments at amortized cost by levels (Millions of euros) 2019 2018 Level 1 Level 2 Level 3 Level 1 Level 2 Level 3 ASSETS Cash, cash balances at central banks and other demand deposits 44,111 - 192 58,024 - 172 Financial assets at amortized cost 29,391 217,279 196,119 21,419 204,619 193,819 LIABILITIES Financial liabilities at amortized cost 67,229 289,599 159,082 58,225 269,128 182,948
Disclosure of main valuation techniques financial instruments assets explanatory	Fair Value of financial Instruments at amortized cost by valuation technique. December 2019 (Millions of Euros) Level 2 Level 3 Valuation technique(s) Main inputs used ASSETS Financial assets at amortized cost 217,279 196,119 Present-value method (Discounted future cash flows) Central banks - 2 - Credit spread - Prepayment rates - Interest rate yield Loans and advances to credit institutions 9,049 4,628 - Credit spread - Prepayment rates - Interest rate yield Loans and advances to customers 194,897 190,144 - Credit spread - Prepayment rates - Interest rate yield Debt securities 13,333 1,345 - Credit spread - Interest rate yield LIABILITIES Financial liabilities at amortized cost 289,599 159,082 Deposits from central banks 129 - Present-value method (Discounted future cash flows) - Issuer´s credit risk - Prepayment rates - Interest rate yield Deposits from credit institutions 21,575 6,831 Deposits from customers 245,720 135,514 Debt certificates 14,194 11,133 Other financial liabilities 7,981 5,604

Note 9 - Cash, Cash balances _2

Note 9 - Cash, Cash balances at central banks and other demand deposits (Tables)	12 Months Ended
	Dec. 31, 2019
Cash, Cash balances at central banks and other demand deposits
Cash, Cash balances at central banks and other demand deposit	Cash, cash balances at central banks and other demand deposits (Millions of Euros) 2019 2018 2017 Cash on hand 7,060 6,346 6,220 Cash balances at central banks 31,755 43,880 31,718 Other demand deposits 5,488 7,970 4,742 Total 44,303 58,196 42,680

Note 10 - Financial assets an_2

Note 10 - Financial assets and liabilities held for trading (Tables)	12 Months Ended
	Dec. 31, 2019
Financial assets and liabilities held for trading
Financial assets and liabilities held for traiding	Financial assets and liabilities held for trading (Millions of Euros) Notes 2019 2018 2017 ASSETS Derivatives 33,185 30,536 35,265 Equity instruments 7.1.2 8,892 5,254 6,801 Credit institutions 1,037 880 962 Other sectors 7,855 4,374 5,839 Debt securities 7.1.2 26,309 25,577 22,573 Issued by central banks 840 1,001 1,371 Issued by public administrations 23,918 22,950 19,344 Issued by financial institutions 679 790 816 Other debt securities 872 836 1,041 Loans and advances 7.1.2 34,303 28,750 56 Loans and advances to central banks 535 2,163 - Reverse repurchase agreement 35 535 2,163 - Loans and advances to credit institutions 21,286 14,566 - Reverse repurchase agreement 35 21,219 13,305 - Loans and advances to customers 12,482 12,021 56 Reverse repurchase agreement 35 12,187 11,794 - Total assets 102,688 90,117 64,695 LIABILITIES Derivatives 35,019 31,815 36,169 Short positions 12,249 11,025 10,013 Deposits 42,365 37,934 - Deposits from central banks 7,635 10,511 - Repurchase agreement 35 7,635 10,511 - Deposits from credit institutions 24,969 15,687 - Repurchase agreement 35 24,578 14,839 - Customer deposits 9,761 11,736 - Repurchase agreement 35 9,689 11,466 - Total liabilities 89,633 80,774 46,182
Derivatives By Type Of Risk By Product Or By Type Of Market	Derivatives by type of risk and by product or by type of market (Millions of Euros) 2019 2018 2017 Assets Liabilities Notional amount - Total Assets Liabilities Notional amount - Total Assets Liabilities Notional amount - Total Interest rate 21,479 20,853 3,024,794 19,146 18,769 2,929,371 22,606 22,546 2,152,490 OTC 21,479 20,852 2,997,443 19,146 18,769 2,910,016 22,606 22,546 2,129,474 Organized market - 1 27,351 - - 19,355 - - 23,016 Equity instruments 2,263 3,499 84,140 2,799 2,956 114,184 1,778 2,336 95,573 OTC 353 1,435 40,507 631 463 39,599 578 1,207 42,298 Organized market 1,910 2,065 43,633 2,168 2,492 74,586 1,200 1,129 53,275 Foreign exchange and gold 9,086 10,266 472,194 8,355 9,693 432,283 10,371 10,729 380,404 OTC 9,049 10,260 463,662 8,344 9,638 426,952 10,337 10,688 373,303 Organized market 37 6 8,532 11 55 5,331 34 40 7,101 Credit 353 397 29,077 232 393 25,452 489 517 30,181 Credit default swap 338 283 26,702 228 248 22,791 480 507 27,942 Credit spread option - 2 150 2 - 500 - - 200 Total return swap 14 113 2,225 2 145 2,161 9 9 2,039 Commodities 4 4 64 3 3 67 3 3 36 Other - - - - - - 18 38 561 DERIVATIVES 33,185 35,019 3,610,269 30,536 31,815 3,501,358 35,265 36,169 2,659,246 Of which: OTC - credit institutions 20,706 23,717 1,000,243 16,979 18,729 897,384 21,016 22,804 898,209 Of which: OTC - other financial corporations 6,153 6,214 2,370,988 7,372 7,758 2,355,784 8,695 9,207 1,548,919 Of which: OTC - other 4,378 3,016 159,521 4,005 2,780 148,917 4,316 2,986 128,722

Note 11 - Non-trading financi_2

Note 11 - Non-trading financial assets mandatorily at fair value throug profit or loss (Tables)	12 Months Ended
	Dec. 31, 2019
Non trading financial assets mandatory at fair value through profit or loss Abstract
Table of Non trading financial assets mandatory at fair value through profit or loss	Non-trading financial assets mandatorily at fair value through profit or loss (Millions of Euros) Notes 2019 2018 2017 Equity instruments 7.1.2 4,327 3,095 Debt securities 7.1.2 110 237 Loans and advances to customers 7.1.2 1,120 1,803 Total 5,557 5,135

Note 12 - Financial Instrumen_2

Note 12 - Financial Instruments designated at fair value through profit or loss (Tables)	12 Months Ended
	Dec. 31, 2019
Financial assets and liabilities designated at fair value through profit or loss
Financial Instruments designated at fair value through profit or loss	Financial assets and liabilities designated at fair value through profit or loss (Millions of Euros) Notes 2019 2018 2017 ASSETS Equity instruments 1,888 Debt securities 1,214 1,313 174 Loans and advances - - 648 Total assets 7.1.2 1,214 1,313 2,709 LIABILITIES Deposits 944 976 - Debt certificates 4,656 2,858 - Other financial liabilities: Unit-linked products 4,410 3,159 2,222 Total liabilities 10,010 6,993 2,222

Note 13 - Financial assets at_2

Note 13 - Financial assets at fair value through other comprehensive income (Tables)	12 Months Ended
	Dec. 31, 2019
Financial Assets At Fair Value Through Other Comprehensive Income Abstract
Disclosure Of Financial Assets At Fair Value Through Other Comprehensive Income Explanatory	Financial assets designated at fair value through other comprehensive income (Millions of Euros) Notes 2019 2018 2017 Equity instruments 7.1.2 2,420 2,595 4,488 Loss allowances - - (1,264) Subtotal 2,420 2,595 3,224 Debt securities 7.1.2 58,841 53,737 66,273 Loss allowances (110) (28) (21) Subtotal 58,731 53,709 66,251 Loans and advances to credit institutions 7.1.2 33 33 - Total 61,183 56,337 69,476
Financial Assets At Fair Value Through Other Comprehensive Income Debt Securities	Financial assets at fair value through other comprehensive income. (Millions of Euros) 2019 2018 Amortized cost Unrealized gains Unrealized losses Fair value Amortized cost Unrealized gains Unrealized losses Fair value Domestic debt securities Government and other government agency debt securities 20,740 830 (20) 21,550 17,205 661 (9) 17,857 Credit institutions 959 65 - 1,024 793 63 - 855 Other issuers 907 40 - 947 804 37 (1) 841 Subtotal 22,607 935 (21) 23,521 18,802 761 (10) 19,553 Foreign debt securities Mexico 7,790 22 (26) 7,786 6,299 6 (142) 6,163 Government and other government agency debt securities 6,869 18 (19) 6,868 5,286 4 (121) 5,169 Credit institutions 77 2 - 78 35 - (1) 34 Other issuers 843 2 (6) 840 978 2 (20) 961 The United States 11,376 68 (51) 11,393 14,507 47 (217) 14,338 Government securities 8,570 42 (12) 8,599 11,227 37 (135) 11,130 Treasury and other government agencies 5,595 32 (2) 5,624 7,285 29 (56) 7,258 States and political subdivisions 2,975 10 (10) 2,975 3,942 8 (79) 3,872 Credit institutions 122 2 - 124 49 1 - 50 Other issuers 2,684 24 (39) 2,670 3,231 9 (82) 3,158 Turkey 3,752 38 (76) 3,713 4,164 20 (269) 3,916 Government and other government agency debt securities 3,752 38 (76) 3,713 4,007 20 (256) 3,771 Credit institutions - - - - 157 - (13) 145 Other countries 11,870 554 (106) 12,318 9,551 319 (130) 9,740 Other foreign governments and other government agency debt securities 6,963 383 (78) 7,269 4,510 173 (82) 4,601 Central banks 1,005 9 (4) 1,010 987 2 (4) 986 Credit institutions 1,795 109 (12) 1,892 1,856 111 (20) 1,947 Other issuers 2,106 53 (12) 2,147 2,197 33 (25) 2,206 Subtotal 34,788 681 (259) 35,210 34,521 392 (758) 34,157 Total 57,395 1,617 (280) 58,731 53,323 1,153 (768) 53,709 Available-for-sale financial assets. December 2017 (Millions of Euros) Amortized cost Unrealized gains Unrealized losses Fair value Domestic debt securities Government and other government agency debt securities 22,765 791 (17) 23,539 Credit institutions 891 72 - 962 Other issuers 1,061 43 - 1,103 Subtotal Spanish debt securities 24,716 906 (17) 25,605 Foreign debt securities Mexico 9,755 45 (142) 9,658 Government and other government agency debt securities 8,101 34 (120) 8,015 Credit institutions 212 1 (3) 209 Other issuers 1,442 10 (19) 1,434 The United States 12,479 36 (198) 12,317 Government securities 8,625 8 (133) 8,500 Treasury and other government agencies 3,052 - (34) 3,018 States and political subdivisions 5,573 8 (99) 5,482 Credit institutions 56 1 - 57 Other issuers 3,798 26 (65) 3,759 Turkey 5,052 48 (115) 4,985 Government and other government agency debt securities 5,033 48 (114) 4,967 Credit institutions 19 - (1) 19 Other countries 13,271 533 (117) 13,687 Other foreign governments and other government agency debt securities 6,774 325 (77) 7,022 Central banks 1,330 2 (1) 1,331 Credit institutions 2,535 139 (19) 2,654 Other issuers 2,632 66 (19) 2,679 Subtotal 40,557 661 (572) 40,647 Total 65,273 1,567 (589) 66,251
Financial Assets At Fair Value Through Other Comprehensive Income Debt Securities By Rating	Debt securities by rating 2019 2018 2017 Fair value (Millions of Euros) % Fair value (Millions of Euros) % Fair value (Millions of Euros) % AAA 3,669 6.2% 531 1.0% 687 1.0% AA+ 7,279 12.4% 13,100 24.4% 10,738 16.2% AA 317 0.5% 222 0.4% 507 0.8% AA- 265 0.5% 409 0.8% 291 0.4% A+ 3,367 5.7% 632 1.2% 664 1.0% A 12,895 22.0% 687 1.3% 683 1.0% A- 10,947 18.6% 18,426 34.3% 1,330 2.0% BBB+ 9,946 16.9% 9,195 17.1% 35,175 53.1% BBB 2,966 5.1% 4,607 8.6% 7,958 12.0% BBB- 1,927 3.3% 1,003 1.9% 5,583 8.4% BB+ or below 4,712 8.0% 4,453 8.3% 1,564 2.4% Without rating 441 0.8% 445 0.8% 1,071 1.6% Total 58,731 100.0% 53,709 100.0% 66,251 100.0%
Financial Assets At Fair Value Through Other Comprehensive Income Equity Instruments	Financial assets at fair value through other comprehensive income. Equity instruments. (Millions of Euros) 2019 2018 Amortized cost Unrealized gains Unrealized losses Fair value Amortized cost Unrealized gains Unrealized losses Fair value Equity instruments Spanish companies shares 2,181 - (507) 1,674 2,172 - (210) 1,962 Foreign companies shares 136 87 (11) 213 90 43 (12) 121 The United States 30 47 - 78 20 17 - 37 Mexico 1 33 - 34 1 25 - 26 Turkey 3 2 - 5 3 - (1) 2 Other countries 102 5 (11) 96 66 1 (11) 56 Subtotal equity instruments listed 2,317 87 (518) 1,886 2,262 43 (222) 2,083 Equity instruments Spanish companies shares 5 1 - 5 6 1 - 7 Foreign companies shares 450 79 (1) 528 453 54 (1) 506 The United States 387 32 - 419 388 23 - 411 Turkey 5 4 - 9 6 4 - 10 Other countries 57 43 (1) 99 59 27 (1) 85 Subtotal unlisted equity instruments 454 80 (1) 533 459 55 (1) 513 Total 2,772 167 (519) 2,420 2,721 98 (223) 2,595 Available-for-sale financial assets. Equity instruments. December 2017 (Millions of Euros) Amortized cost Unrealized gains Unrealized losses Fair value Equity instruments listed Spanish companies shares 2,189 - (1) 2,188 Foreign companies shares 215 33 (7) 241 United States 11 - - 11 Mexico 8 25 - 33 Turkey 4 1 - 5 Other countries 192 7 (7) 192 Subtotal equity instruments listed 2,404 33 (8) 2,429 Unlisted equity instruments Spanish companies shares 33 29 - 62 Foreign companies shares 665 77 (8) 734 United States 498 40 (6) 532 Mexico 1 - - 1 Turkey 15 6 (2) 19 Other countries 151 31 - 182 Subtotal unlisted equity instruments 698 106 (8) 796 Total 3,102 139 (16) 3,224
Accumulated other comprehensive income items that may be reclassified to profit or loss available for sale debt securities	Other comprehensive income - Changes in gains / losses (Millions of euros) Debt securities Equity instruments Notes 2019 2018 2019 2018 Balance at the beginning 943 1,557 (155) 84 Effect of changes in accounting policies (IFRS 9) - (58) - (40) Valuation gains and losses 1,267 (640) (238) (174) Amounts transferred to income (119) (137) Income tax (331) 221 (10) (25) Balance at the end 30 1,760 943 (403) (155)

Note 14 - Financial assets at_2

Note 14 - Financial assets at amortised cost (Tables)	12 Months Ended
	Dec. 31, 2019
Financial Assets At Amortised Cost
Table of Financial Assets At Amortised Cost	Financial assets at amortized cost (Millions of Euros) Notes 2019 2018 2017 Debt securities 38,877 32,530 24,093 Government 31,526 25,014 17,030 Credit institutions 719 644 1,152 Other sectors 6,632 6,872 5,911 Loans and advances to central banks 4,275 3,941 7,300 Loans and advances to credit institutions 13,649 9,163 26,261 Reverse repurchase agreements 35 1,817 478 13,861 Other loans and advances 11,832 8,685 12,400 Loans and advances to customers 382,360 374,027 387,621 Government 28,222 28,114 31,645 Other financial corporations 11,207 9,468 18,173 Non-financial corporations 166,789 163,922 164,510 Other 176,142 172,522 173,293 Total 439,162 419,660 445,275 Of which: impaired assets of loans and advances to customers 15,954 16,349 19,390 Of which: loss allowances of loans and advances (12,427) (12,217) (12,784) Of which: loss allowances of debt securities (52) (51) (15)
Table Debt Securities At Amortized Cost	Financial assets at amortized cost. (Millions of Euros) 2019 2018 Amortized cost Unrealized gains Unrealized losses Fair value Amortized cost Unrealized gains Unrealized losses Fair value Domestic debt securities Government and other government agencies 12,755 630 (21) 13,363 10,953 458 (265) 11,146 Credit institutions 26 - - 26 53 - - 53 Other issuers 4,903 38 (10) 4,931 5,014 41 (25) 5,030 Subtotal 17,684 668 (31) 18,320 16,019 499 (290) 16,228 Foreign debt securities Mexico 6,374 168 (18) 6,525 5,148 10 - 5,157 Government and other government agencies debt securities 5,576 166 - 5,742 4,571 9 - 4,579 Credit institutions 526 2 - 529 350 1 - 351 Other issuers 272 - (18) 254 227 - - 227 The United States 6,125 111 (20) 6,217 2,559 15 (3) 2,570 Government securities 5,690 111 (18) 5,783 2,070 - - 2,070 Treasury and other government agencies 1,161 50 (17) 1,193 118 - - 118 States and political subdivisions 4,530 61 (1) 4,590 1,952 - - 1,952 Credit institutions 25 - (1) 25 23 9 (2) 30 Other issuers 410 - (1) 409 466 6 (1) 470 Turkey 4,113 48 (65) 4,097 4,062 - (261) 3,801 Government and other government agencies debt securities 4,105 47 (65) 4,088 4,054 - (261) 3,793 Credit institutions 7 1 - 8 7 - - 7 Other issuers 1 - - 1 1 - - 1 Other countries 4,581 82 (26) 4,637 4,741 32 (152) 4,622 Other foreign governments and other government agency debt securities 3,400 82 (22) 3,459 3,366 27 (152) 3,242 Central banks - - - - 64 - - 64 Credit institutions 135 - - 135 147 - - 147 Other issuers 1,047 - (4) 1,043 1,164 5 - 1,169 Subtotal 21,194 409 (129) 21,476 16,510 57 (416) 16,150 Total 38,877 1,077 (160) 39,796 32,530 556 (706) 32,378
Financial Assets at Amortized Cost Debt Securities By Rating	Debt securities by rating 2019 2018 Carrying amount (Millions of Euros) % Carrying amount (Millions of Euros) % AAA 39 0.1% 49 0.2% AA+ 6,481 16.7% 1,969 6.1% AA 14 - 62 0.2% AA- 713 1.8% - - A+ - - 607 1.9% A 16,806 43.2% 21 0.1% A- 607 1.6% 6,117 18.8% BBB+ 3,715 9.6% 13,894 42.7% BBB 551 1.4% 1,623 5.0% BBB- 3,745 9.6% 2,694 8.3% BB+ or below 5,123 13.2% 4,371 13.4% Without rating 1,083 2.8% 1,123 3.5% Total 38,877 100.0% 32,530 100.0%
Disclosure Of Loans And Advances To Customers Explanatory	Loans and advances to customers (Millions of Euros) Notes 2019 2018 2017 On demand and short notice 3,050 3,641 10,560 Credit card debt 16,354 15,445 15,835 Trade receivables 17,276 17,436 22,705 Finance leases 8,711 8,650 8,642 Reverse repurchase agreements 35 26 294 11,554 Other term loans 332,160 324,767 313,336 Advances that are not loans 4,784 3,794 4,989 Total 382,360 374,027 387,621
TableLoans Interest Rate Sensibility And Advances To Customers	'Interest sensitivity of outstanding loans and advances maturing in more than one year (Millions of Euros) Domestic Foreign Total Fixed rate 55,920 68,915 124,835 Variable rate 79,329 97,765 177,095 Total 135,249 166,680 301,929
Securitized Loans	Securitized loans (Millions of Euros) 2019 2018 2017 Securitized mortgage assets 26,169 26,556 28,950 Other securitized assets 4,249 3,221 4,143 Total securitized assets 30,418 29,777 33,093

Note 15 - Hedging derivatives_2

Note 15 - Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk (Tables)	12 Months Ended
	Dec. 31, 2019
Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk
Table of Derivatives - Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk	Derivatives – Hedge accounting and fair value changes of the hedged items in portfolio hedge of interest rate risk (Millions of Euros) 2019 2018 2017 ASSETS Derivatives - Hedge accounting 1,729 2,892 2,485 Fair value changes of the hedged items in portfolio hedges of interest rate risk 28 (21) (25) LIABILITIES Hedging derivatives 2,233 2,680 2,880 Fair value changes of the hedged items in portfolio hedges of interest rate risk - - (7)
Hedging Derivatives Breakdown By Type Of The Risk And Type Of Hedge	Derivatives - Hedge accounting breakdown by type of risk and type of hedge. (Millions of Euros) 2019 2018 2017 Assets Liabilities Assets Liabilities Assets Liabilities Interest rate 920 488 982 513 1,141 850 OTC 920 488 982 513 1,141 850 Equity - 3 6 - - - OTC - 3 6 - - - Foreign exchange and gold 420 316 587 398 625 511 OTC 420 316 587 398 625 511 FAIR VALUE HEDGES 1,341 808 1,575 912 1,766 1,362 Interest rate 224 850 221 562 244 533 OTC 224 839 219 562 242 533 Organized market - 11 2 - 2 - Foreign exchange and gold 115 18 955 873 119 714 OTC 115 18 955 873 119 714 CASH FLOW HEDGES 339 868 1,176 1,435 363 1,247 HEDGE OF NET INVESTMENTS IN A FOREIGN OPERATION 12 242 92 231 301 15 PORTFOLIO FAIR VALUE HEDGES OF INTEREST RATE RISK 37 216 33 90 46 256 PORTFOLIO CASH FLOW HEDGES OF INTEREST RATE RISK 1 99 15 12 9 - DERIVATIVES-HEDGE ACCOUNTING 1,729 2,233 2,892 2,680 2,485 2,880 of which: OTC - credit institutions 1,423 1,787 2,534 2,462 1,829 2,527 of which: OTC - other financial corporations 306 426 355 216 651 234 of which: OTC - other - 8 2 2 2 120
Disclosure Of Information About Terms And Conditions Of Hedging Instruments And How They Affect Future Cash Flows Explanatory	Cash flows of hedging instruments (Millions of Euros) 3 months or less From 3 months to 1 year From 1 to 5 years More than 5 years Total Receivable cash inflows 447 488 2,076 2,061 5,071 Payable cash outflows 395 411 2,223 2,003 5,032

Note 16 - Investments in subsid

Note 16 - Investments in subsidiaries, joint ventures and associates (Tables)	12 Months Ended
	Dec. 31, 2019
Investments in subsidiaries, joint ventures and associates
Associates Entities and joint ventures. Breakdown by entities	Joint ventures and associates. Breakdown by entities (Millions of Euros) 2019 2018 2017 Joint ventures Altura Markets S.V., S.A. 73 69 64 RCI Colombia 37 32 19 Desarrollo Metropolitanos del Sur, S.L. 14 13 12 Other 30 59 160 Subtotal 154 173 256 Associates Divarian Propiedad, S.A.U. 630 591 - Metrovacesa, S.A. 443 508 697 ATOM Bank PLC 136 138 66 Solarisbank AG 36 37 - Cofides 23 22 21 Redsys servicios de procesamiento, S.L. 14 12 10 Servicios Electrónicos Globales S.A. de CV 11 9 6 Other 41 88 533 Subtotal 1,334 1,405 1,332 Total 1,488 1,578 1,588
Join Ventures and Associates Entities - Changes in the Year	Joint ventures and associates. Changes in the year (Millions of Euros) Notes 2019 2018 2017 Balance at the beginning 1,578 1,588 765 Acquisitions and capital increases 161 309 868 Disposals and capital reductions (149) (516) (8) Transfers and changes of consolidation method (27) 211 - Share of profit and loss 39 (42) (7) 4 Exchange differences 10 2 (29) Dividends, valuation adjustments and others (43) (8) (12) Balance at the end 1,488 1,578 1,588

Note 17 - Tangible assets (Tabl

Note 17 - Tangible assets (Tables)	12 Months Ended
	Dec. 31, 2019
Tangible assets Abstract
Tangible assets Breakdown by type of asset, Cost value, amortisations and impairments	Tangible assets: Breakdown by type of assets and changes in the year 2019. (Millions of Euros) Right to use asset (*) Investment properties Assets leased out under an operating lease Total Notes Land and buildings Work in progress Furniture, fixtures and vehicles Own use Investment properties Cost Balance at the beginning 5,939 70 6,314 - - 201 386 12,910 Additions 90 63 335 3,574 101 12 - 4,175 Retirements (44) (20) (302) (57) - (10) - (433) Transfers (41) (51) (8) (1) - 13 - (88) Exchange difference and other 57 (6) 12 - - - (49) 14 Balance at the end 6,001 56 6,351 3,516 101 216 337 16,578 Accrued depreciation Balance at the beginning 1,138 - 4,212 - - 11 76 5,437 Additions 45 126 - 457 381 11 4 - 979 Retirements (38) - (255) (3) - - - (296) Transfers (16) - (13) (1) - - - (30) Exchange difference and other 43 - (57) (7) - - (2) (23) Balance at the end 1,253 - 4,344 370 11 15 74 6,067 Impairment Balance at the beginning 217 - - - - 27 - 244 Additions 48 14 - 20 60 - - - 94 Retirements (3) - - - - - - (3) Transfers (16) - - 127 14 (4) - 121 Exchange difference and other - - (20) 4 - 3 - (13) Balance at the end 212 - - 191 14 26 - 443 Balance at the beginning 4,584 70 2,102 - - 163 310 7,229 Balance at the end 4,536 56 2,007 2,955 76 175 263 10,068 Tangible assets. Breakdown by type of assets and changes in the year 2018 (Millions of Euros) For own use Total tangible asset of own use Investment properties Assets leased out under an operating lease Total Notes Land and buildings Work in progress Furniture, fixtures and vehicles Cost Balance at the beginning 5,490 234 6,628 12,352 228 492 13,072 Additions 445 78 404 927 11 - 938 Retirements (98) (17) (492) (607) (149) (1) (757) Transfers 64 (177) (12) (125) (5) - (130) Exchange difference and other 38 (48) (214) (224) 116 (105) (213) Balance at the end 5,939 70 6,314 12,323 201 386 12,910 Accrued depreciation Balance at the beginning 1,076 - 4,380 5,456 13 77 5,546 Additions 45 120 - 469 589 5 - 594 Retirements (36) - (403) (439) (8) - (447) Disposal of entities in the year (3) - - (3) - - (3) Transfers (31) - (22) (53) (2) - (55) Exchange difference and other 12 - (212) (200) 3 (1) (198) Balance at the end 1,138 - 4,212 5,350 11 76 5,437 Impairment Balance at the beginning 315 - - 315 20 - 335 Additions 48 30 - - 30 (25) - 5 Retirements - - - - (27) - (27) Transfers (77) - - (77) (3) - (80) Exchange difference and other (51) - - (51) 62 - 11 Balance at the end 217 - - 217 27 - 244 Balance at the beginning 4,099 234 2,248 6,581 195 415 7,191 Balance at the end 4,584 70 2,102 6,756 163 310 7,229 Tangible assets. Breakdown by type of assets and changes in the year 2017 (Millions of Euros) For own use Total tangible asset of own use Investment properties Assets leased out under an operating lease Total Notes Land and buildings Work in progress Furniture, fixtures and vehicles Cost Balance at the beginning 6,176 240 7,059 13,473 1,163 958 15,594 Additions 49 128 397 574 1 201 776 Retirements (42) (29) (264) (335) (90) (93) (518) Disposal of entities in the year - - - - - (552) (552) Transfers (273) (57) (186) (516) (698) - (1,214) Exchange difference and other (420) (48) (378) (844) (148) (22) (1,014) Balance at the end 5,490 234 6,628 12,352 228 492 13,072 Accrued depreciation Balance at the beginning 1,116 - 4,461 5,577 63 216 5,856 Additions 45 127 - 553 680 13 - 693 Retirements (26) - (235) (261) (7) (21) (289) Disposal of entities in the year - - - - - (134) (134) Transfers (53) - (146) (199) (31) - (230) Exchange difference and other (88) - (253) (341) (25) 16 (350) Balance at the end 1,076 - 4,380 5,456 13 77 5,546 Impairment Balance at the beginning 379 - - 379 409 10 798 Additions 48 5 - - 5 37 - 42 Retirements (2) - - (2) (10) - (12) Disposal of entities in the year - - - - - (10) (10) Transfers (58) - - (58) (276) - (334) Exchange difference and other (9) - - (9) (140) - (149) Balance at the end 315 - - 315 20 - 335 Balance at the beginning 4,681 240 2,598 7,519 691 732 8,941 Balance at the end 4,099 234 2,248 6,581 195 415 7,191
Branches By Geographical Location	Branches by geographical location (Number of branches) 2019 2018 2017 Spain 2,642 2,840 3,019 Mexico 1,860 1,836 1,840 South America 1,530 1,543 1,631 The United States 643 646 651 Turkey 1,038 1,066 1,095 Rest of Eurasia 31 32 35 Total 7,744 7,963 8,271
Tangible Assets By Spanish And Foreign Subsidiaries Net Assets Values	Tangible assets by Spanish and foreign subsidiaries. Net assets values (Millions of euros) 2019 2018 2017 BBVA and Spanish subsidiaries 4,865 2,705 2,574 Foreign subsidiaries 5,203 4,524 4,617 Total 10,068 7,229 7,191

Note 18 - Intangible assets (Ta

Note 18 - Intangible assets (Tables)	12 Months Ended
	Dec. 31, 2019
Intangible Assets and Goodwill Abstract
Goodwill. Breakdown by CGU and Changes of the year	Goodwill. Breakdown by CGU and changes of the year (Millions of Euros) The United States Turkey Mexico Colombia Chile Other Total Balance as of December 31, 2016 5,503 624 523 191 68 28 6,937 Additions - - 24 - - - 24 Exchange difference (666) (115) (44) (22) (3) (1) (851) Impairment - - - - - (4) (4) Other - - (10) - (33) - (43) Balance as of December 31, 2017 4,837 509 493 168 32 23 6,062 Exchange difference 229 (127) 26 (7) (3) - 118 Balance as of December 31, 2018 5,066 382 519 161 29 23 6,180 Exchange difference 98 (36) 31 3 (2) (1) 93 Impairment (1,318) - - - - - (1,318) Balance as of December 31, 2019 3,846 346 550 164 27 22 4,955
Impairment Test Hypotheses CGU Goodwill In The United States	Impairment test assumptions CGU goodwill in the United States 2019 2018 2017 Discount rate 10.0% 10.5% 10.0% Sustainable growth rate 3.5% 4.0% 4.0%
Sensitivity Analysis For Main Hypotheses USA	Sensitivity analysis for main assumptions - The United States (Millions of Euros) Increase of 50 basis points (*) Decrease of 50 basis points (*) Discount rate (871) 1,017 Sustainable growth rate 340 (292)
Impairment Test Hypotheses CGU Goodwill In Turkey	Impairment test assumptions CGU goodwill in Turkey 2019 2018 2017 Discount rate 17.4% 24.3% 18.0% Sustainable growth rate 7.0% 7.0% 7.0%
Sensitivity Analysis For Main Hypotheses Turkey	Sensitivity analysis for main assumptions - Turkey (Millions of euros) Impact of an increase of 50 basis points Impact of a decrease of 50 basis points Discount rate (192) 212 Sustainable growth rate 31 (28)
Table of other intangible assets explanatory	Other intangible assets (Millions of Euros) 2019 2018 2017 Computer software acquisition expense 1,598 1,605 1,682 Other intangible assets with an infinite useful life 11 11 12 Other intangible assets with a definite useful life 401 518 708 Total 2,010 2,134 2,402
Other Intangible Assets Changes Over the Period	Other intangible assets (Millions of Euros) Notes 2019 2018 2017 Balance at the beginning 2,134 2,402 2,849 Additions 533 552 564 Amortization in the year 45 (620) (614) (694) Exchange differences and other (25) (123) (305) Impairment 48 (12) (83) (12) Balance at the end 2,010 2,134 2,402

Note 19 - Tax assets and liab_2

Note 19 - Tax assets and liabilities (Tables)	12 Months Ended
	Dec. 31, 2019
Disclosure Of Tax Assets And Liabilties Abstract
Reconciliation of Taxation at the Spanish Corporation Tax Rate to the Tax Expense recorded for the period	Reconciliation of taxation at the Spanish corporation tax rate to the tax expense recorded for the year (Millions of Euros) 2019 2018 2017 Amount Effective tax % Amount Effective tax % Amount Effective tax % Profit or (-) loss before tax 6,398 8,446 6,931 From continuing operations 6,398 8,446 6,931 Taxation at Spanish corporation tax rate 30% 1,920 2,534 2,079 Lower effective tax rate from foreign entities (*) (381) (234) (307) Mexico (112) 27% (78) 28% (100) 27% Chile (2) 27% (18) 21% (29) 21% Colombia 6 32% 10 33% (3) 29% Peru (12) 28% (12) 28% (16) 27% Turkey (86) 23% (132) 20% (182) 21% Others (***) (175) (4) 23 Revenues with lower tax rate (dividends/capital gains) (49) (57) (53) Equity accounted earnings 18 3 (2) Other effects (**) 545 (27) 457 Income tax 2,053 2,219 2,174 Of which: Continuing operations 2,053 2,219 2,174
Effective Tax Rate	Effective tax rate (Millions of Euros) 2019 2018 2017 Income from: Consolidated tax group in Spain (718) 1,482 (678) Other Spanish entities 7 33 29 Foreign entities 7,109 6,931 7,580 Gains (losses) before taxes from continuing operations 6,398 8,446 6,931 Tax expense or income related to profit or loss from continuing operations 2,053 2,219 2,174 Effective tax rate 32.1% 26.3% 31.4%
Tax recognized in total equity	Tax recognized in total equity (Millions of Euros) 2019 2018 2017 Charges to total equity Debt securities and others (130) (87) (355) Equity instruments (40) (56) (74) Subtotal (170) (143) (429) Total (170) (143) (429)
Table Of Tax Assets And Liabiltiies Explanatory	Tax assets and liabilities (Millions of Euros) 2019 2018 2017 Tax assets Current tax assets 1,765 2,784 2,163 Deferred tax assets 15,318 15,316 14,725 Pensions 456 405 395 Financial Instruments 1,386 1,401 1,453 Other assets (investments in subsidiaries) 204 302 357 Loss allowances 1,636 1,375 1,005 Other 841 990 870 Secured tax assets (*) 9,363 9,363 9,433 Tax losses 1,432 1,480 1,212 Total 17,083 18,100 16,888 Tax liabilities Current tax liabilities 880 1,230 1,114 Deferred tax liabilities 1,928 2,046 2,184 Financial Instruments 1,014 1,136 1,427 Other 914 910 757 Total 2,808 3,276 3,298
Deferred tax assets and liabilities	Deferred tax assets and liabilities. Annual variations (Millions of Euros) 2019 2018 2017 Deferred assets Deferred liabilities Deferred assets Deferred liabilities Deferred assets Deferred liabilities Balance at the beginning 15,316 2,046 14,725 2,184 16,391 3,392 Pensions 51 - 10 - (795) - Financials instruments (15) (122) (52) (291) 82 (367) Other assets (98) - (55) - (305) - Loss allowances 261 - 370 - (385) - Others (149) 4 120 153 (366) (841) Guaranteed tax assets - - (70) - 2 - Tax losses (48) - 268 - 101 - Balance at the end 15,318 1,928 15,316 2,046 14,725 2,184
Secured Tax Assets	Secured tax assets (Millions of Euros) 2019 2018 2017 (*) Pensions 1,924 1,924 1,947 Loss allowances 7,439 7,439 7,486 Total 9,363 9,363 9,433

Note 20 - Other assets and li_2

Note 20 - Other assets and liabilities (Tables)	12 Months Ended
	Dec. 31, 2019
Other Assets and Liabilities
Table of other assets and liabilities	Other assets and liabilities: (Millions of Euros) 2019 2018 2017 Assets Inventories 581 635 229 Of which: Real estate 579 633 226 Transactions in progress 138 249 156 Accruals 804 702 768 Prepaid expense 573 465 509 Other prepayments and accrued income 231 237 259 Other items 2,277 3,886 3,207 Total other assets 3,800 5,472 4,359 Liabilities Transactions in progress 39 39 165 Accruals 2,456 2,558 2,490 Accrued expense 2,064 2,119 1,997 Other accrued expense and deferred income 392 439 493 Other items 1,247 1,704 1,894 Total other liabilities 3,742 4,301 4,550

Note 21 - Non-current assets _2

Note 21 - Non-current assets and disposal groups classified as held for sale (Table)	12 Months Ended
	Dec. 31, 2019
Non-current assets and disposal groups classified as held for sale Abstract
Non-current assets and disposal groups classified as held for sale. Breakdown by items	Non-current assets and disposal groups classified as held for sale. Breakdown by items (Millions of Euros) 2019 2018 2017 Foreclosures and recoveries (*) 1,647 2,211 6,207 Foreclosures 1,553 2,135 6,047 Recoveries from financial leases 94 76 160 Assets from tangible assets 310 433 447 Business sale - Assets (**) 1,716 29 18,623 Accrued amortization (***) (51) (44) (77) Impairment losses (543) (628) (1,348) Total non-current assets and disposal groups classified as held for sale 3,079 2,001 23,853
Non-current assets and disposal groups classified as held for sale Explanatory	Non-current assets and disposal groups classified as held for sale. Changes in the year 2019 (Millions of Euros) Foreclosed assets From own use assets (*) Other assets (**) Total Notes Foreclosed assets through auction proceeding Recovered assets from financial leases Cost (1) Balance at the beginning 2,135 76 389 29 2,629 Additions 597 68 10 1,676 2,351 Contributions from merger transactions 2 - - - 2 Retirements (sales and other decreases) (967) (56) (206) - (1,229) Transfers, other movements and exchange differences (214) 7 65 11 (131) Balance at the end 1,553 95 258 1,716 3,622 Impairment (2) Balance at the beginning 482 22 124 - 628 Additions 50 66 6 5 - 77 Retirements (sales and other decreases) (160) (4) (22) - (186) Other movements and exchange differences (5) 4 25 - 24 Balance at the end 383 28 132 - 543 Balance at the end of net carrying value (1)-(2) 1,170 67 126 1,716 3,079 Non-current assets and disposal groups classified as held for sale. Changes in the year 2018 (Millions of Euros) Foreclosed assets From own use assets (*) Other assets (**) Total Notes Foreclosed assets through auction proceeding Recovered assets from financial leases Cost (1) Balance at the beginning 6,047 160 371 18,623 25,201 Additions 637 55 4 - 696 Retirements (sales and other decreases) (4,354) (135) (227) (18,594) (23,310) Transfers, other movements and exchange differences (195) (4) 241 - 42 Balance at the end 2,135 76 389 29 2,629 Impairment (2) Balance at the beginning 1,102 52 194 - 1,348 Additions 50 195 11 2 - 208 Retirements (sales and other decreases) (793) (37) (101) - (931) Other movements and exchange differences (22) (4) 29 - 3 Balance at the end 482 22 124 - 628 Balance at the end of net carrying value (1)-(2) 1,653 54 265 29 2,001 Non-current assets and disposal groups classified as held for sale. Changes in the year 2017 (Millions of Euros) Foreclosed assets From own use assets (*) Other assets (**) Total Notes Foreclosed assets through auction proceeding Recovered assets from financial leases Cost (1) Balance at the beginning 4,057 168 1,065 40 5,330 Additions 791 45 1 - 837 Retirements (sales and other decreases) (1,037) (49) (131) - (1,217) Transfers, other movements and exchange differences 2,236 (4) (564) 18,583 20,251 Balance at the end 6,047 160 371 18,623 25,201 Impairment (2) Balance at the beginning 1,237 47 443 - 1,727 Additions 50 143 14 1 - 158 Retirements (sales and other decreases) (272) (7) (42) - (321) Other movements and exchange differences (6) (2) (208) - (216) Balance at the end 1,102 52 194 - 1,348 Balance at the end of net carrying value (1)-(2) 4,945 108 177 18,623 23,853

Note 22 - Financial liabiliti_2

Note 22 - Financial liabilities at amortized cost (Tables)	12 Months Ended
	Dec. 31, 2019
Financial liabilities at amortized cost Abstract
Table of Financial liabiltiies measured at amortized cost	Financial liabilities measured at amortized cost (Millions of Euros) 2019 2018 2017 Deposits 438,919 435,229 467,949 Deposits from central banks 25,950 27,281 37,054 Demand deposits 23 20 2,588 Time deposits 25,101 26,885 28,311 Repurchase agreements 826 375 6,155 Deposits from credit institutions 28,751 31,978 54,516 Demand deposits 7,161 8,370 3,731 Time deposits 18,896 19,015 25,941 Repurchase agreements 2,693 4,593 24,843 Customer deposits 384,219 375,970 376,379 Demand deposits 280,391 260,573 240,583 Time deposits 103,293 114,188 126,716 Repurchase agreements 535 1,209 9,079 Debt certificates 63,963 61,112 63,915 Other financial liabilities 13,758 12,844 11,850 Total 516,641 509,185 543,713
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument.	Deposits from credit institutions. December 2019 (Millions of Euros) Demand deposits Time deposits & other (*) Repurchase agreements Total Spain 2,104 1,113 1 3,218 The United States 2,082 4,295 - 6,377 Mexico 432 1,033 168 1,634 Turkey 302 617 4 924 South America 394 2,285 161 2,840 Rest of Europe 1,652 5,180 2,358 9,190 Rest of the world 194 4,374 - 4,568 Total 7,161 18,896 2,693 28,751 Deposits from credit institutions. December 2018 (Millions of Euros) Demand deposits Time deposits & other (*) Repurchase agreements Total Spain 1,981 2,527 55 4,563 The United States 1,701 2,677 - 4,379 Mexico 280 286 - 566 Turkey 651 669 4 1,323 South America 442 1,892 - 2,335 Rest of Europe 3,108 6,903 4,534 14,545 Rest of the world 207 4,061 - 4,268 Total 8,370 19,015 4,593 31,978 Deposits from credit institutions. December 2017 (Millions of Euros) Demand deposits Time deposits & other (*) Repurchase agreements Total Spain 762 3,879 878 5,518 The United States 1,563 2,398 - 3,961 Mexico 282 330 1,817 2,429 Turkey 73 836 44 953 South America 448 2,538 13 2,999 Rest of Europe 526 12,592 21,732 34,849 Rest of the world 77 3,369 360 3,806 Total 3,731 25,941 24,843 54,516
Customer deposits. Breakdown by geographical area and nature of the instrument.	Customer deposits. December 2019 (Millions of Euros) Demand deposits Time deposits & other (*) Repurchase agreements Total Spain 146,651 24,958 2 171,611 The United States 46,372 19,810 - 66,181 Mexico 43,326 12,714 523 56,564 Turkey 13,775 22,257 10 36,042 South America 22,748 13,913 - 36,661 Rest of Europe 6,610 8,749 - 15,360 Rest of the world 909 892 - 1,801 Total 280,391 103,293 535 384,219 Customer deposits. December 2018 (Millions of Euros) Demand deposits Time deposits and other (*) Repurchase agreements Total Spain 138,236 28,165 3 166,403 The United States 41,222 21,317 - 62,539 Mexico 38,383 11,837 770 50,991 Turkey 10,856 22,564 7 33,427 South America 23,811 14,159 - 37,970 Rest of Europe 7,233 14,415 429 22,077 Rest of the world 831 1,731 - 2,563 Total 260,573 114,188 1,209 375,970 Customer deposits. December 2017 (Millions of Euros) Demand deposits Time deposits & other (*) Repurchase agreements Total Spain 123,382 39,513 2,664 165,559 The United States 36,728 21,436 - 58,164 Mexico 36,492 11,622 4,272 52,387 Turkey 12,427 24,237 152 36,815 South America 23,710 15,053 2 38,764 Rest of Europe 6,816 13,372 1,989 22,177 Rest of the world 1,028 1,484 - 2,511 Total 240,583 126,716 9,079 376,379
Debt securities issued	Debt certificates (Millions of Euros) 2019 2018 2017 In Euros 40,185 37,436 38,735 Promissory bills and notes 737 267 1,309 Non-convertible bonds and debentures 12,248 9,638 9,418 Covered bonds (*) 15,542 15,809 16,425 Hybrid financial instruments 518 814 807 Securitization bonds 1,354 1,630 2,295 Wholesale funding 1,817 142 - Subordinated liabilities 7,968 9,136 8,481 Convertible perpetual certificates 5,000 5,490 4,500 Non-convertible preferred stock 83 107 107 Other non-convertible subordinated liabilities 2,885 3,540 3,875 In foreign currencies 23,778 23,676 25,180 Promissory bills and notes 1,210 3,237 3,157 Non-convertible bonds and debentures 10,587 9,335 11,109 Covered bonds (*) 362 569 650 Hybrid financial instruments 1,156 1,455 1,809 Securitization bonds 17 38 47 Wholesale funding 780 544 - Subordinated liabilities 9,666 8,499 8,407 Convertible perpetual certificates 1,782 873 2,085 Non-convertible preferred stock 76 74 55 Other non-convertible subordinated liabilities 7,808 7,552 6,268 Total 63,963 61,112 63,915
Table Of Subordinated liabilities at amortized cost	Memorandum item: Subordinated liabilities at amortized cost 2019 2018 2017 Subordinated deposits 384 411 427 Subordinated certificates 17,635 17,635 16,889 Preferred stock 159 181 161 Compound convertible financial instruments 6,782 6,363 6,585 Other non-convertible subordinated liabilities (*) 10,693 11,092 10,143 Total 18,018 18,047 17,316
Preferred Securities By Issuer Explanatory	Preferred securities by issuer (Millions of Euros) 2019 2018 2017 BBVA International Preferred, S.A.U. (1) 37 35 36 Unnim Group (2) 83 98 98 BBVA USA 19 19 19 BBVA Colombia 20 19 1 Other - 9 9 Total 159 181 163
Other Financial Liabilities	Other financial liabilities (Millions of Euros) 2019 2018 2017 Lease liabilities (*) 3,335 Creditors for other financial liabilities 2,623 2,891 2,835 Collection accounts 3,306 4,305 3,452 Creditors for other payment obligations 4,494 5,648 5,563 Total 13,758 12,844 11,850
Table Of Maturity Of Liabilities By Lease	Maturity of future payment obligations (Millions of Euros) Up to 1 year 1 to 3 years 3 to 5 years Over 5 years Total Leases 269 500 535 2,031 3,335

Note 23 - Assets and Liabilit_2

Note 23 - Assets and Liabilities under reinsurance and insurance contracts (Tables)	12 Months Ended
	Dec. 31, 2019
Assets and Liabilities Under reinsurance and insurance contracts
Liabilities Under Reassurance And Assurance Contracts	Technical reserves (Millions of Euros) 2019 2018 2017 Mathematical reserves 9,247 8,504 7,961 Individual life insurance (1) 6,731 6,201 5,359 Savings 5,906 5,180 4,392 Risk 825 1,021 967 Group insurance (2) 2,517 2,303 2,601 Savings 2,334 2,210 2,455 Risk 182 93 147 Provision for unpaid claims reported 641 662 631 Provisions for unexpired risks and other provisions 718 668 631 Total 10,606 9,834 9,223
Cash flows of Liabilities under Reinsurance and reinsurance contracts	Maturity (Millions of euros). Liabilities under insurance and reinsurance contracts Up to 1 year 1 to 3 years 3 to 5 years Over 5 years Total 2019 1,571 1,197 1,806 6,032 10,606 2018 1,686 1,041 1,822 5,285 9,834 2017 1,560 1,119 1,502 5,042 9,223
Key assumptions mathematical reserves	Mathematical reserves Mortality table Average technical interest type Spain Mexico Spain Mexico Individual life insurance (1) GRMF 80-2, GKMF 80/95. PASEM, PERMF 2000 Tables of the Comisión Nacional de Seguros y Fianzas 2000-individual 0.25% -2.91% 2.50% Group insurance(2) PERMF 2000 Tables of the Comisión Nacional de Seguros y Fianzas 2000-grupo Depending on the related portfolio 5.50%

Note 24 - Provisions (Tables)

Note 24 - Provisions (Tables)	12 Months Ended
	Dec. 31, 2019
Provisions or reversal of provisions Abstract
Provisions. Breakdown by concepts	Provisions. Breakdown by concepts (Millions of Euros) Notes 2019 2018 2017 Provisions for pensions and similar obligations 25 4,631 4,787 5,407 Other long term employee benefits 25 61 62 67 Provisions for taxes and other legal contingencies 677 686 756 Provisions for contingent risks and commitments 711 636 578 Other provisions (*) 457 601 669 Total 6,538 6,772 7,477
Provisions for Pensions and Similar Obligations Changes Over the Period	Provisions for pensions and similar obligations. Changes over the year (Millions of Euros) Notes 2019 2018 2017 Balance at the beginning 4,787 5,407 6,025 Add Charges to income for the year 330 126 391 Interest expense and similar charges 65 78 71 Personnel expense 44.1 50 58 62 Provision expense 215 (10) 258 Charges to equity (1) 25 329 41 140 Transfers and other changes (32) 95 (264) Less Benefit payments 25 (718) (779) (861) Employer contributions 25 (65) (103) (25) Balance at the end 4,631 4,787 5,407
Table of Provisions for Taxes, Legal Contingents and Other Provisions	Provisions for taxes, legal contingencies and other provisions. Changes over the year (Millions of Euros) 2019 2018 2017 Balance at beginning 1,286 1,425 2,028 Additions 396 455 868 Unused amounts reversed during the year (96) (184) (164) Amount used and other variations (453) (410) (1,306) Balance at the end 1,134 1,286 1,425

Note 25 - Post-employment and_2

Note 25 - Post-employment and other employee benefit commitments (Tables)	12 Months Ended
	Dec. 31, 2019
Post-employment and other employee benefit commitments
Table Of Net Defined Benefit Liability Asset Explanatory	Net defined benefit liability (asset) on the consolidated balance sheet (Millions of Euros) 2019 2018 2017 Pension commitments 5,050 4,678 4,969 Early retirement commitments 1,486 1,793 2,210 Medical benefits commitments 1,580 1,114 1,204 Other long term employee benefits 61 62 67 Total commitments 8,177 7,647 8,451 Pension plan assets 1,961 1,694 1,892 Medical benefit plan assets 1,532 1,146 1,114 Total plan assets (1) 3,493 2,840 3,006 Total net liability / asset 4,684 4,807 5,445 Of which: Net asset on the consolidated balance sheet (2) (8) (41) (27) Of which: +Net liability on the consolidated balance sheet for provisions for pensions and similar obligations (3) 4,631 4,787 5,407 Of which: Net liability on the consolidated balance sheet for other long term employee benefits (4) 61 62 67
Consolidated Income Statement Impact	Consolidated income statement impact (Millions of Euros) Notes 2019 2018 2017 Interest and similar expense 65 78 71 Interest expense 307 295 294 Interest income (242) (217) (223) Personnel expense 163 147 149 Defined contribution plan expense 44.1 113 89 87 Defined benefit plan expense 44.1 50 58 62 Provisions (net) 46 214 125 343 Early retirement expense 190 141 227 Past service cost expense 18 (33) 3 Remeasurements (*) 7 (10) 31 Other provision expense (2) 28 82 Total impact on consolidated income statement: debit (credit) 441 350 563
Disclosure of equity impact explanatory	Equity impact (Millions of Euros) 2019 2018 2017 Defined benefit plans 254 81 (40) Post-employment medical benefits 74 (47) 179 Total impact on equity: debit (credit) 329 34 140
Table Of Defined Benefit Plans	Defined benefits (Millions of Euros) 2019 2018 2017 Defined benefit obligation Plan assets Net liability (asset) Defined benefit obligation Plan assets Net liability (asset) Defined benefit obligation Plan assets Net liability (asset) Balance at the beginning 7,585 2,839 4,746 8,384 3,006 5,378 8,851 3,022 5,829 Current service cost 53 - 53 61 - 61 64 - 64 Interest income/expense 304 242 62 292 217 76 290 223 68 Contributions by plan participants 4 4 - 4 3 1 4 4 - Employer contributions - 65 (65) - 103 (103) - 25 (25) Past service costs (1) 210 - 210 109 - 109 231 - 231 Remeasurements: 783 454 329 (263) (286) 21 331 161 171 Return on plan assets (2) - 454 (454) - (286) 286 - 161 (161) From changes in demographic assumptions (15) - (15) 14 - 14 100 - 100 From changes in financial assumptions 688 - 688 (274) - (274) 220 - 220 Other actuarial gain and losses 110 - 110 (3) - (3) 12 - 12 Benefit payments (905) (187) (718) (979) (200) (779) (1,029) (169) (861) Effect on changes in foreign exchange rates 63 69 (6) (31) (9) (22) (278) (258) (19) Conversions to defined contributions - - - - - - (82) - (82) Other effects 19 6 13 10 6 4 (1) (1) - Balance at the end 8,116 3,493 4,623 7,585 2,840 4,745 8,384 3,006 5,378 Of which: Spain 4,592 266 4,326 4,807 260 4,547 5,442 320 5,122 Of which: Mexico 2,231 2,124 107 1,615 1,587 28 1,661 1,602 60 Of which: The United States 375 323 52 326 287 39 360 309 51 Of which: Turkey 444 359 86 422 339 83 520 424 96
Disclosure of actuarial assumptions Explanatory	Actuarial assumptions (Millions of Euros) 2019 2018 2017 Spain Mexico The United States Turkey Spain Mexico The United States Turkey Spain Mexico The United States Turkey Discount rate 0.68% 9.04% 3.24% 12.50% 1.28% 10.45% 4.23% 16.30% 1.24% 9.48% 3.57% 11.60% Rate of salary increase - 4.75% - 9.70% - 4.75% - 14.00% - 4.75% - 9.90% Rate of pension increase - 2.47% - 8.20% - 2.51% - 12.50% - 2.13% - 8.40% Medical cost trend rate - 7.00% - 12.40% - 7.00% - 16.70% - 7.00% - 12.60% Mortality tables PERM/F 2000P EMSSA09 RP 2014 CSO2001 PERM/F 2000P EMSSA09 RP 2014 CSO2001 PERM/F 2000P EMSSA09 RP 2014 CSO2001
Disclosure of Sensitivity Analysis	Sensitivity analysis (Millions of Euros) Basis points change 2019 2018 Increase Decrease Increase Decrease Discount rate 50 (367) 405 (298) 332 Rate of salary increase 50 3 (3) 3 (3) Rate of pension increase 50 27 (26) 19 (18) Medical cost trend rate 100 338 (266) 229 (181) Change in obligation from each additional year of longevity - 137 - 108 -
Table Of Defined Benefit Plans By Geography	Post-employment commitments 2019 (Millions of Euros) Defined benefit obligation Spain Mexico The United States Turkey Rest of the world Balance at the beginning 4,807 512 326 422 402 Current service cost 4 4 1 20 3 Interest income or expense 45 53 14 64 11 Contributions by plan participants - - - 3 1 Past service costs (1) 190 15 - 3 2 Remeasurements: 298 99 44 (3) 49 From changes in demographic assumptions - - - (13) (2) From changes in financial assumptions 239 87 42 (41) 52 Other actuarial gain and losses 59 12 2 51 (1) Benefit payments (766) (50) (15) (21) (14) Effect on changes in foreign exchange rates - 32 6 (44) 1 Other effects 14 - (1) - 6 Balance at the end 4,592 664 375 444 460 Of which: Vested benefit obligation relating to current employees 86 - - - - Of which: Vested benefit obligation relating to retired employees 4506 - - - -
Disclosure of Defined Obligations by Plan Assets	Post-employment commitments 2019 (Millions of Euros) Plan assets Spain Mexico The United States Turkey Rest of the world Balance at the beginning 260 441 287 339 366 Interest income or expense 3 44 12 53 8 Contributions by plan participants - - - 3 1 Employer contributions - 47 3 14 1 Remeasurements: 67 90 28 (5) 50 Return on plan assets (2) 67 90 28 (5) 50 Benefit payments (64) (50) (13) (10) (11) Business combinations and disposals - (7) - - - Effect on changes in foreign exchange rates - 27 6 (34) - Other effects - - - - 6 Balance at the end 266 592 323 359 422
Disclosure of Defined Benefits by Net Assets Obligations	Post-employment commitments 2019 (Millions of euros) Net liability (asset) Spain Mexico The United States Turkey Rest of the world Balance at the beginning 4,547 71 39 83 36 Current service cost 4 4 1 20 3 Interest income or expense 42 9 2 11 3 Employer contributions - (47) (3) (14) (1) Past service costs (1) 190 15 - 3 2 Remeasurements: 231 9 16 2 (1) Return on plan assets (2) (67) (90) (28) 5 (50) From changes in demographic assumptions - - - (13) (2) From changes in financial assumptions 239 87 42 (41) 52 Other actuarial gain and losses 59 12 2 51 (1) Benefit payments (702) (1) (2) (11) (3) Business combinations and disposals - 7 - - - Effect on changes in foreign exchange rates - 5 - (9) 1 Other effects 14 - (1) - - Balance at the end 4,326 72 52 86 38
Table Of Defined Benefit Commitments	Post-employment commitments (Millions of Euros) 2018: Net liability (asset) 2017: Net liability (asset) Spain Mexico The United States Turkey Rest of the world Spain Mexico The United States Turkey Rest of the world Balance at the beginning 5,122 (18) 51 96 36 5,799 (59) 46 99 43 Current service cost 4 5 - 21 4 4 5 3 21 5 Interest income or expense 59 (2) 2 8 2 73 (6) 1 9 2 Contributions by plan participants - - - - 1 - - - - - Employer contributions - - (2) (13) (18) - (1) - (16) (8) Past service costs (1) 148 (1) - 2 2 235 1 - 4 3 Remeasurements: (28) 88 (11) 3 14 (67) 38 9 12 (1) Return on plan assets (2) 4 70 17 21 11 (21) (10) (11) (101) 2 From changes in demographic assumptions - - (1) - 15 - 22 (2) - (3) From changes in financial assumptions - (9) (28) (45) (12) (33) 18 22 81 4 Other actuarial gain and losses (32) 27 1 29 - (13) 7 - 32 (4) Benefit payments (763) - (2) (11) (3) (842) (1) (2) (11) (3) Effect on changes in foreign exchange rates - (1) 2 (26) (1) - 5 (5) (21) (5) Conversions to defined contributions - - - - - (82) - - - - Other effects 5 - (1) - - 2 - (1) - (1) Balance at the end 4,547 71 39 83 36 5,122 (18) 51 96 36
Disclosure Of Medical Benefit Commitments	Medical benefits commitments 2019 2018 2017 Defined benefit obligation Plan assets Net liability (asset) Defined benefit obligation Plan assets Net liability (asset) Defined benefit obligation Plan assets Net liability (asset) Balance at the beginning 1,114 1,146 (32) 1,204 1,114 91 1,015 1,113 (98) Current service cost 21 - 21 27 - 27 26 - 26 Interest income or expense 119 123 (4) 116 109 8 101 112 (11) Employer contributions - - - - 71 (71) - - - Past service costs (1) - - - (42) - (42) (11) - (11) Remeasurements: 298 224 74 (210) (164) (47) 200 21 179 Return on plan assets (2) - 224 (224) - (164) 164 - 21 (21) From changes in demographic assumptions - - - - - - 83 - 83 From changes in financial assumptions 311 - 311 (182) - (182) 128 - 128 Other actuarial gain and losses (13) - (13) (28) - (28) (10) - (10) Benefit payments (39) (39) (1) (34) (33) (1) (35) (33) (2) Business combinations and disposals - 7 (7) - - - - - - Effect on changes in foreign exchange rates 68 71 (2) 62 59 3 (92) (100) 8 Other effects (1) - (1) (9) (9) - - - - Balance at the end 1,580 1,532 48 1,114 1,146 (32) 1,204 1,114 91
Disclosure Of Estimated Benefit Payments	Estimated benefit payments (Millions of Euros) 2020 2021 2022 2023 2024 2025-2029 Commitments in Spain 621 544 449 360 288 903 Commitments in Mexico 106 110 117 125 132 808 Commitments in the United States 17 18 19 19 20 107 Commitments in Turkey 20 22 18 22 25 200 Total 764 694 603 526 465 2,018
Disclosure Of Plan Of Assets Breakdown	Plan assets breakdown (Millions of Euros) 2019 2018 2017 Cash or cash equivalents 56 26 68 Debt securities (government bonds) 2,668 2,080 2,178 Property - - 1 Mutual funds 2 2 1 Insurance contracts 142 132 4 Other investments - - 10 Total 2,869 2,241 2,261 Of which: Bank account in BBVA 4 3 5 Of which: Debt securities issued by BBVA - - 3
Table of Investments in Listed Markets	Investments in listed markets 2019 2018 2017 Cash or cash equivalents 56 26 68 Debt securities (Government bonds) 2,668 2,080 2,178 Mutual funds 2 2 1 Total 2,727 2,109 2,247 Of which: Bank account in BBVA 4 3 5 Of which: Debt securities issued by BBVA - - 3

Note 28 - Retained earnings, _2

Note 28 - Retained earnings, revaluation reserves and other reserves. (Tables)	12 Months Ended
	Dec. 31, 2019
Retained earnings, revaluation reserves and other reserves.
Retained Earnings Revaluation Reserves And Other Reserves Breakdown By Concepts	Retained earnings, revaluation reserves and other reserves. Breakdown by concepts (Millions of Euros) 2019 2018 2017 Legal reserve 653 653 644 Restricted reserve 124 133 159 Reserves for regularizations and balance revaluations - 3 12 Voluntary reserves 8,331 8,010 8,643 Total reserves holding company 9,108 8,799 9,458 Consolidation reserves attributed to the Bank and dependent consolidated companies. 17,169 14,222 14,266 Total 26,277 23,021 23,724
Disclosure Restricted Reserves Explanatory	Restricted reserves. Breakdown by concepts (Millions of Euros) 2019 2018 2017 Restricted reserve for retired capital 88 88 88 Restricted reserve for parent company shares and loans for those shares 34 44 69 Restricted reserve for redenomination of capital in euros 2 2 2 Total 124 133 159
Disclosure Retained Earnings Revaluation Reserves explanatory	Retained earnings, revaluation reserves and other reserves. Breakdown by concepts (Millions of Euros) 2019 2018 2017 Retained earnings (losses) and revaluation reserves Holding Company 16,623 14,701 15,759 BBVA Mexico Group 10,645 10,014 9,442 Garanti BBVA Group 1,985 1,415 751 BBVA Colombia Group 1,130 998 926 Corporación General Financiera S.A. 932 1,084 1,202 BBVA Perú Group 848 756 681 BBV América, S.L. 247 217 195 Catalunyacaixa Inmobiliaria, S.A. 225 233 11 BBVA Chile Group 597 552 951 BBVA Paraguay 130 119 108 Bilbao Vizcaya Holding, S.A. 62 49 (73) Compañía de Cartera e Inversiones, S.A. 47 108 (20) Gran Jorge Juan, S.A. 27 (33) (47) Banco Industrial de Bilbao, S.A. (13) - 25 BBVA Luxinvest, S.A. (48) (48) 25 Pecri Inversión S.L. (50) (74) (76) BBVA Suiza, S.A. (52) (53) (57) BBVA Portugal Group (59) (66) (436) BBVA Seguros, S.A. (99) (127) (215) BBVA Venezuela Group (125) (124) (113) Grupo BBVA USA Bancshares (317) (586) (794) BBVA Argentina Group 35 103 999 Anida Grupo Inmobiliario, S.L. (587) 363 515 Unnim Real Estate (594) (587) (576) Anida Operaciones Singulares, S.L. (5,375) (5,317) (4,881) Other 188 (618) (544) Subtotal 26,402 23,079 23,758 Other reserves or accumulated losses of investments in joint ventures and associates Metrovacesa, S.A. (75) (61) (53) ATOM Bank PLC (56) (28) (12) Other 6 31 30 Subtotal (125) (58) (35) Total 26,277 23,021 23,724

Note 29 - Treasury Shares (Tabl

Note 29 - Treasury Shares (Tables)	12 Months Ended
	Dec. 31, 2019
Treasury Shares Abstract
Table of Treasury Stock	Treasury shares (Millions of euros) 2019 2018 2017 Number of Shares Millions of Euros Number of Shares Millions of Euros Number of Shares Millions of Euros Balance at beginning 47,257,691 296 13,339,582 96 7,230,787 48 + Purchases 214,925,699 1,088 279,903,844 1,683 238,065,297 1,674 - Sales and other changes (249,566,201) (1,298) (245,985,735) (1,505) (231,956,502) (1,622) +/- Derivatives on BBVA shares - (23) - 23 - (4) Balance at the end 12,617,189 62 47,257,691 296 13,339,582 96 Held by Corporación General Financiera, S.A. 12,617,189 62 47,257,691 296 13,339,582 96 Average purchase price in Euros 5.06 - 6.11 - 7.03 - Average selling price in Euros 5.20 - 6.25 - 6.99 - Net gain or losses on transactions (Shareholders' funds-Reserves) 13 (24) 1
Table of Percentaje Treasury Stock	Treasury Stock 2019 2018 2017 Min Max Closing Min Max Closing Min Max Closing % treasury stock 0.138% 0.746% 0.213% 0.200% 0.850% 0.709% 0.004% 0.278% 0.200%
Shares Accepted In Pledge	Shares of BBVA accepted in pledge 2019 2018 2017 Number of shares in pledge 43,018,382 61,632,832 64,633,003 Nominal value 0.49 0.49 0.49 % of share capital 0.65% 0.92% 0.97%
Shares Owned By Third Parties But Managed By The Group	Shares of BBVA owned by third parties but managed by the Group 2019 2018 2017 Number of shares owned by third parties 23,807,398 25,306,229 34,597,310 Nominal value 0.49 0.49 0.49 % of share capital 0.36% 0.38% 0.52%

Note 30 - Accumulated Other C_2

Note 30 - Accumulated Other Comprehensive Income (Tables)	12 Months Ended
	Dec. 31, 2019
Accumulated other comprehensive income abstract
Accumulated Other Comprehensive Income Classified By Concepts Explanatory	Accumulated other comprehensive income (Millions of Euros) Notes 2019 2018 2017(*) Items that will not be reclassified to profit or loss (1,875) (1,284) (1,183) Actuarial gains (losses) on defined benefit pension plans (1,498) (1,245) (1,183) Non-current assets and disposal groups classified as held for sale 2 - - Fair value changes of equity instruments measured at fair value through other comprehensive income 13.4 (403) (155) Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk 24 116 Items that may be reclassified to profit or loss (5,359) (5,932) (5,755) Hedge of net investments in foreign operations (effective portion) (896) (218) 1 Foreign currency translation (6,161) (6,643) (7,297) Hedging derivatives. Cash flow hedges (effective portion) (44) (6) (34) Financial assets available for sale 1,641 Fair value changes of debt instruments measured at fair value through other comprehensive income 13.4 1,760 943 Non-current assets and disposal groups classified as held for sale (18) 1 (26) Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates 1 (9) (40) Total (7,235) (7,215) (6,939)

Note 31 - Non Controlling Int_2

Note 31 - Non Controlling Interest (Tables)	12 Months Ended
	Dec. 31, 2019
Non Controlling interests
Non controling interest explanatory	Non-controlling interests: breakdown by subgroups (Millions of Euros) 2019 2018 2017 Garanti BBVA 4,240 4,058 4,903 BBVA Peru 1,334 1,167 1,059 BBVA Argentina 422 352 420 BBVA Colombia 76 67 65 BBVA Venezuela 71 67 78 Other entities 57 53 454 Total 6,201 5,764 6,979
Profit atributable to Non controling interest	Profit attributable to non-controlling interests (Millions of Euros) 2019 2018 2017 Garanti BBVA 524 585 883 BBVA Peru 236 227 208 BBVA Argentina 60 (18) 93 BBVA Colombia 11 9 7 BBVA Venezuela (1) (5) (2) Other entities 4 30 55 Total 833 827 1,243

Note 32 - Capital Base and Ca_2

Note 32 - Capital Base and Capital Management (Table)	12 Months Ended
	Dec. 31, 2019
Capital Base And Capital Management
Eligible Capital Resources	Eligible capital resources (Millions of Euros) Notes 2019 2018 2017 Capital 26 3,267 3,267 3,267 Share premium 27 23,992 23,992 23,992 Retained earnings, revaluation reserves and other reserves 28 26,277 23,021 23,724 Other equity instruments, net 56 50 54 Treasury shares 29 (62) (296) (96) Attributable to the parent company 6 3,512 5,400 3,514 Attributable dividend (1,084) (1,109) (1,172) Total equity 55,958 54,326 53,283 Accumulated other comprehensive income 30 (7,235) (7,215) (6,939) Non-controlling interest 31 6,201 5,764 6,979 Shareholders' equity 54,925 52,874 53,323 Goodwill and other intangible assets (6,803) (8,199) (6,627) Direct and synthetic treasury shares (422) (135) (182) Deductions (7,225) (8,334) (6,809) Temporary CET 1 adjustments - - (273) Capital gains from the Available-for-sale debt instruments portfolio - - (256) Capital gains from the Available-for-sale equity portfolio - - (17) Differences from solvency and accounting level (215) (176) (189) Equity not eligible at solvency level (215) (176) (462) Other adjustments and deductions (1) (3,832) (4,049) (3,711) Common Equity Tier 1 (CET 1) 43,653 40,313 42,341 Additional Tier 1 before Regulatory Adjustments 6,048 5,634 6,296 Total Regulatory Adjustments of Additional Tier 1 - - (1,657) Tier 1 49,701 45,947 46,980 Tier 2 8,304 8,756 8,798 Total Capital (Total Capital=Tier 1 + Tier 2) 58,005 54,703 55,778 Total Minimum equity required 46,540 41,576 40,370
Regulatory Capital	Amount of capital CC1 (Millions of Euros) 2019 2018 2017 Capital and share premium 27,259 27,259 27,259 Retained earnings and equity instruments 26,960 23,773 23,791 Other accumulated income and other reserves (7,157) (7,143) (6,863) Minority interests 4,404 3,809 5,446 Net interim attributable profit 1,316 3,188 1,302 Ordinary Tier 1 (CET 1) before other reglamentary adjustments 52,783 50,887 50,935 Goodwill and intangible assets (6,803) (8,199) (6,627) Direct and indirect holdings in equity (484) (432) (278) Deferred tax assets (1,420) (1,260) (755) Other deductions and filters (423) (682) (933) Total common equity Tier 1 reglamentary adjustments (9,130) (10,573) (8,594) Common equity TIER 1 (CET1) 43,653 40,313 42,341 Equity instruments and share premium classified as liabilities 5,400 5,005 5,893 Qualifying Tier 1 capital included in consolidated AT1 capital issued by subsidiaries and held by third parties 648 629 403 Additional Tier 1 (CET 1) before regulatory adjustments 6,048 5,634 6,296 Temporary CET 1 adjustments - - (1,657) Total regulatory adjustments of additional equity l Tier 1 - - (1,657) Additional equity Tier 1 (AT1) 6,048 5,634 4,639 Tier 1 (Common equity TIER 1+ additional TIER 1) 49,701 45,947 46,980 Equity instruments and share premium accounted as Tier 2 3,064 3,768 1,759 Eligible equity instruments 4,690 4,409 6,438 Credit risk adjustments 550 579 601 Tier 2 before regulatory adjustments 8,304 8,756 8,798 Tier 2 8,304 8,756 8,798 Total capital (Total capital=Tier 1 + Tier 2) 58,005 54,703 55,778 Total RWA's 364,448 348,264 362,875 CET 1 (phased-in) 12.0% 11.6% 11.7% Tier 1 (phased-in) 13.6% 13.2% 12.9% Total capital (phased-in) 15.9% 15.7% 15.4%
Table of Leverage Ratio	Capital Base 2019 2018 2017 Tier 1 (millions of euros) (a) 49,701 45,947 46,980 Exposure (millions of euros) (b) 731,087 705,299 709,758 Leverage ratio (a)/(b) (percentage) 6.80% 6.51% 6.62%

Note 33 - Commitments and gua_2

Note 33 - Commitments and guarantees given (Tables)	12 Months Ended
	Dec. 31, 2019
Commitments and Guarantees given
Loan commitments, financial guarantees and other commitments	Commitments and guarantees given (Millions of Euros) Notes 2019 2018 2017 Loan commitments given 7.1.2 130,923 118,959 94,268 Of which: defaulted 270 247 537 Central banks - - 1 General governments 3,117 2,318 2,198 Credit institutions 11,742 9,635 946 Other financial corporations 4,578 5,664 3,795 Non-financial corporations 65,475 58,405 58,133 Households 46,011 42,936 29,195 Financial guarantees given (*) 7.1.2 10,984 16,454 16,545 Of which: defaulted 224 332 278 Central banks - 2 - General governments 125 159 248 Credit institutions 995 1,274 1,158 Other financial corporations 583 730 3,105 Non-financial corporations 8,986 13,970 11,518 Households 295 319 516 Other commitments given 7.1.2 39,209 35,098 45,738 Of which: defaulted 506 408 461 Central banks 1 1 7 General governments 521 248 227 Credit institutions 5,952 5,875 15,330 Other financial corporations 2,902 2,990 3,820 Non-financial corporations 29,682 25,723 25,992 Households 151 261 362 Total commitments and guarantees given 7.1.2 181,116 170,511 156,551

Note 35 - Purchase and sale c_2

Note 35 - Purchase and sale commitments and future payment obligations (Tables)	12 Months Ended
	Dec. 31, 2019
Purchase and sale commitments and future payment obligations
Table of Purchase And Sale Commitments	Purchase and sale commitments (Millions of Euros) Notes 2019 2018 2017 Financial instruments sold with repurchase commitments 45,956 42,993 40,077 Financial liabilities held for trading 41,902 36,815 - Central banks 10 7,635 10,511 - Credit institutions 10 24,578 14,839 - Customer deposits 10 9,689 11,466 - Financial liabilities at amortized cost 4,054 6,178 40,077 Central banks 22 826 375 6,155 Credit institutions 22 2,693 4,593 24,843 Customer deposits 22 535 1,209 9,079 Financial instruments purchased with resale commitments 35,784 28,034 26,368 Financial assets held for trading 33,941 27,262 - Central banks 10 535 2,163 - Credit institutions 10 21,219 13,305 - Loans and advances to customers 10 12,187 11,794 - Financial assets at amortized cost 1,843 772 26,368 Central banks - - 305 Credit institutions 14 1,817 478 13,861 Loans and advances to customers 26 294 12,202
Maturity Of Future Payment Obligations	Maturity of future payment obligations (Millions of Euros) Up to 1 year 1 to 3 years 3 to 5 years Over 5 years Total Purchase commitments 23 - - - 23 Technology and systems projects 4 - - - 4 Other projects 19 - - - 19 Total 23 - - - 23

Note 36 - Transactions on beh_2

Note 36 - Transactions on behalf of third parties (Tables)	12 Months Ended
	Dec. 31, 2019
Transactions On Behalf Of Third Parties Abstract
Table of Transactions On Behalf Of Third Parties Explanatory	Transactions on behalf of third parties. Breakdown by concepts (Millions of Euros) 2019 2018 2017 Financial instruments entrusted to BBVA by third parties 693,377 628,417 624,822 Conditional bills and other securities received for collection 13,133 13,484 14,775 Securities lending 7,129 4,866 5,485 Total 713,639 646,768 645,081

Note 37 - Interest Income and_2

Note 37 - Interest Income and Expense (Tables)	12 Months Ended
	Dec. 31, 2019
Interest Income And Expense
Interest Income Break Down By Origin	Interest and other income. Breakdown by origin (Millions of Euros) 2019 2018 2017 Financial assets held for trading 2,041 2,057 1,306 Financial assets designated at fair value through profit or loss 159 148 73 Financial assets at fair value through other comprehensive income 1,815 1,846 1,485 Financial assets at amortized cost 25,698 24,572 24,485 Insurance activity 1,079 1,141 1,058 Adjustments of income as a result of hedging transactions (74) (201) 415 Other income 343 268 474 Total 31,061 29,831 29,296
Interest Expenses Break Down By Origin	Interest expense. Breakdown by origin (Millions of Euros) 2019 2018 2017 Financial liabilities held for trading 1,230 1,211 87 Financial liabilities designated at fair value through profit or loss 6 41 - Financial liabilities at amortized cost (*) 10,805 10,321 9,729 Adjustments of expense as a result of hedging transactions (246) (352) 665 Insurance activity 753 832 732 Cost attributable to pension funds 86 73 79 Other expense 224 113 245 Total 12,859 12,239 11,537

Note 38 - Dividend income (Tabl

Note 38 - Dividend income (Tables)	12 Months Ended
	Dec. 31, 2019
Dividend income Abstract
Table of Dividend Income	Dividend income (Millions of Euros) 2019 2018 2017 Dividends from: Non-trading financial assets mandatorily at fair value through profit or loss 26 19 145 Financial assets at fair value through other comprehensive income 136 138 188 Total 162 157 334

Note 40 - Fee and commission _2

Note 40 - Fee and commission income and expenses (Tables)	12 Months Ended
	Dec. 31, 2019
Fee And Commission Income Expenses
Fee and Commission Income	Fee and commission income (Millions of Euros) 2019 2018 2017 Bills receivables 39 39 46 Demand accounts 526 451 507 Credit and debit cards and TPVs 3,083 2,900 2,834 Checks 203 194 212 Transfers and other payment orders 735 689 648 Insurance product commissions 172 178 200 Loan commitments given 222 223 231 Other commitments and financial guarantees given 392 390 396 Asset management 1,066 1,023 923 Securities fees 319 325 385 Custody securities 123 122 122 Other fees and commissions 642 598 645 Total 7,522 7,132 7,150
Fee and Commission Expense	Fee and commission expense (Millions of Euros) 2019 2018 2017 Demand accounts 36 39 45 Credit and debit cards 1,662 1,502 1,458 Transfers and other payment orders 150 96 123 Commissions for selling insurance 54 48 60 Custody securities 30 29 38 Other fees and commissions 557 539 506 Total 2,489 2,253 2,229

Note 41 - Gains (losses) on f_2

Note 41 - Gains (losses) on financial assets and liabilities (net) and Exchange Differences (Tables)	12 Months Ended
	Dec. 31, 2019
Gains Or Losses on Financial Assets And Liabilities And Exchanges Differences
Gains or losses on financial assets and liabilities and exchange differences. Breakdown by Heading of the Balance Sheet.	Gains (losses) on financial assets and liabilities, hedge accounting and exchange differences, net. Breakdown by heading (Millions of Euros) 2019 2018 2017 Gains (losses) on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net 239 216 985 Financial assets at amortized cost 65 51 133 Other financial assets and liabilities 173 164 852 Gains (losses) on financial assets and liabilities held for trading, net 451 707 218 Other gains (losses) 451 707 Gains (losses) on non-trading financial assets mandatorily at fair value through profit or loss, net 143 96 Other gains (losses) 143 96 Gains (losses) on financial assets and liabilities designated at fair value through profit or loss, net (94) 143 (56) Gains (losses) from hedge accounting, net 59 72 (209) Subtotal gains (losses) on financial assets and liabilities 798 1,234 938 Exchange differences 586 (9) 1,030 Total 1,383 1,223 1,968
Gains or losses on financial assets and liabilities. Breakdown by nature of the Financial Instruments	Gains (losses) on financial assets and liabilities. Breakdown by nature of the financial instrument (Millions of Euros) 2019 2018 2017 Debt instruments 972 354 545 Equity instruments 1,337 (253) 845 Trading derivatives and hedge accounting (1,098) 927 (470) Loans and advances to customers 103 (172) 97 Customer deposits (26) 240 (96) Other (490) 138 18 Total 798 1,234 938
Derivatives Hedge Accounting Income	Derivatives - Hedge accounting (Millions of Euros) 2019 2018 2017 Interest rate agreements (64) 90 165 Securities agreements (1,079) 294 (139) Commodity agreements 6 (2) 99 Credit derivative agreements 74 (109) (564) Foreign-exchange agreements (60) 606 315 Other agreements (35) (24) (137) Subtotal (1,158) 856 (261) Fair value hedges 59 87 (177) Hedging derivative 14 (150) (236) Hedged item 45 237 59 Cash flow hedges - (15) (32) Subtotal 59 72 (209) Total (1,098) 927 (470)

Note 42 - Other operating inc_2

Note 42 - Other operating income and expenses (Tables)	12 Months Ended
	Dec. 31, 2019
Other Operating Income and Expenses
Other Operating Income	Other operating income (Millions of Euros) 2019 2018 2017 Gains from sales of non-financial services 258 458 1,109 Of which: Real estate 91 283 884 Other operating income 413 491 330 Of which: Hyperinflation adjustment (*) 146 120 - Total 671 949 1,439
Other Operating Expenses	Other operating expense (Millions of Euros) 2019 2018 2017 Change in inventories 107 292 886 Of which: Real estate 68 248 816 Other operating expense 1,899 1,808 1,337 Of which: Contributions to guaranteed banks deposits funds 770 727 703 Of which: Hyperinflation adjustment (*) 538 494 31 Total 2,006 2,101 2,223

Note 43 - Insurance and reins_2

Note 43 - Insurance and reinsurance contracts income and expenses (Tables)	12 Months Ended
	Dec. 31, 2019
Insurance and Reinsurance Contracts Income and Expenses
Other Operating Income and Expenses on Insurance and reinsurance contracts	Other operating income and expense on insurance and reinsurance contracts (Millions of Euros) 2019 2018 2017 Income on insurance and reinsurance contracts 2,890 2,949 3,342 Expense on insurance and reinsurance contracts (1,751) (1,894) (2,272) Total 1,138 1,055 1,069
Income By Type Of Insurance Product	Income by type of insurance product (Millions of Euros) 2019 2018 2017 Life insurance 631 682 604 Individual 477 486 346 Savings 116 56 38 Risk 361 430 308 Group insurance 154 196 258 Savings 26 39 (4) Risk 127 157 263 Non-Life insurance 508 373 464 Home insurance 90 110 118 Other non-life insurance products 418 263 346 Total 1,138 1,055 1,069

Note 44 - Administration Costs

Note 44 - Administration Costs (Tables)	12 Months Ended
	Dec. 31, 2019
Classes Of Employee Benefits Expense
Personnel Expenses Breakdown	Personnel expense (Millions of Euros) Notes 2019 2018 2017 Wages and salaries 4,920 4,786 5,163 Social security costs 780 722 761 Defined contribution plan expense 25 113 89 87 Defined benefit plan expense 25 50 58 62 Other personnel expense 478 465 497 Total 6,340 6,120 6,571
Other Administrative Expenses	Other administrative expense (Millions of Euros) 2019 2018 2017 Technology and systems 1,216 1,133 1,018 Communications 218 235 269 Advertising 317 336 352 Property, fixtures and materials 552 982 1,033 Of which: Rent expense (*) 106 552 581 Taxes other than income tax 401 417 456 Other expense 1,258 1,271 1,412 Total 3,963 4,374 4,541

Note 45 - Depreciation (Tables)

Note 45 - Depreciation (Tables)	12 Months Ended
	Dec. 31, 2019
Depreciation and amortisation expense
Table of Depreciation	Depreciation and amortization (Millions of Euros) Notes 2019 2018 2017 Tangible assets 17 979 594 694 For own use 584 589 680 Investment properties 3 5 13 Right-of-use assets (*) 392 Other Intangible assets 18.2 620 613 694 Total 1,599 1,208 1,387

Note 46 - Provisions or rever_2

Note 46 - Provisions or reversal provisions (Tables)	12 Months Ended
	Dec. 31, 2019
Provisions or reversal of provisions Abstract
Provisions or Reversal of Provisions	Provisions or (reversal) of provisions (Millions of Euros) Notes 2019 2018 2017 Pensions and other post employment defined benefit obligations 25 214 125 343 Commitments and guarantees given 93 (48) (313) Pending legal issues and tax litigation 170 133 318 Other provisions 140 163 397 Total 617 373 745

Note 47 - Impairment or rever_2

Note 47 - Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss (Tables)	12 Months Ended
	Dec. 31, 2019
Impairment or reversal of impairment on financial assets not measured at fair value through profir or loss
Table of Impairment or Reversal of Impairment on financial assets not measured at fair value through profir or loss	Impairment or (reversal) of impairment on financial assets not measured at fair value through profit or loss or net gains by modification (Millions of Euros) Notes 2019 2018 2017 Financial assets at fair value through other comprehensive income 82 1 1,127 Debt securities 82 1 (4) Equity instruments 1,131 Financial assets at amortized cost 4,069 3,980 3,677 Of which: recovery of written-off assets 7.1.5 919 589 558 Held to maturity investments (1) Total 4,151 3,981 4,803

Note 48 - Impairment or rever_2

Note 48 - Impairment or reversal of impairment on non-financial assets (Tables)	12 Months Ended
	Dec. 31, 2019
Impairment or reversal of impairment on non-financial assets
Table of Impairment or Reversal of Impairment on non-financial assets	Impairment or (reversal) of impairment on non-financial assets (Millions of Euros) Notes 2019 2018 2017 Tangible assets 17 94 5 42 Intangible assets (*) 1,330 83 16 Others 20 23 51 306 Total 1,447 138 364

Note 49 - Gains (losses) on d_2

Note 49 - Gains (losses) on derecognition of non financial assets and subsidiaries, net (Tables)	12 Months Ended
	Dec. 31, 2019
Gains (losses) on derecognition of non financial assets and subsidiaries, net
Table of Gains (losses) on derecognition of non financial assets and subsidiaries, Net	Gains (losses) on derecognition of non-financial assets and subsidiaries, net (Millions of Euros) 2019 2018 2017 Disposal of investments in non-consolidated subsidiaries 9 55 38 Disposal of tangible assets and other 27 81 69 Disposal of investments in non-consolidated subsidiaries (2) (13) (27) Disposal of tangible assets and other (37) (45) (33) Total (3) 78 47

Note 50 - Profit or loss from_2

Note 50 - Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Tables)	12 Months Ended
	Dec. 31, 2019
Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations
Table of Profit (loss) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations	Gain (losses) from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Millions of Euros) Notes 2019 2018 2017 Gains on sale of real estate 89 129 102 Impairment of non-current assets held for sale 21 (77) (208) (158) Gains (losses) on sale of investments classified as non-current assets held for sale (*) 10 894 82 Total 21 815 26

Note 51 - Consolidated Statem_2

Note 51 - Consolidated Statement Of Cash Flows (Tables)	12 Months Ended
	Dec. 31, 2019
Consolidated statements of cash flows
Table Of Consolidated Statement Of CashFlow	Liabilities from financing activities (Millions of Euros) December 31, 2018 Cash flows Non-cash changes December 31, 2019 Acquisition Disposal Foreign exchange movement Fair value changes Liabilities at amortized cost: Debt certificates 61,112 2,643 - - 209 - 63,963 Of which: Issuances of subordinated liabilities (*) 17,635 (190) - - 229 - 17,675 Liabilities from financing activities (Millions of Euros) December 31, 2017 Cash flows Non-cash changes December 31, 2018 Acquisition Disposal Foreign exchange movement Fair value changes Liabilities at amortized cost: Debt certificates 61,649 2,152 - (1,828) (862) - 61,112 Of which: Issuances of subordinated liabilities (*) 17,443 857 - (694) 29 - 17,635

Note 52 - Accountant Fees And_2

Note 52 - Accountant Fees And Services (Tables)	12 Months Ended
	Dec. 31, 2019
Auditors Remuneration Abstract
Table Of Auditor Remuneration Explanatory	Fees for Audits conducted and other related services (Millions of euros) (**) 2019 2018 2017 Audits of the companies audited by firms belonging to the KPMG worldwide organization and other reports related with the audit (*) 28.1 26.1 27.2 Other reports required pursuant to applicable legislation and tax regulations issued by the national supervisory bodies of the countries in which the Group operates, reviewed by firms belonging to the KPMG worldwide organization 1.5 1.5 1.9 Fees for audits conducted by other firms - 0.1 0.1
Disclosure Of Auditors Remuneration For Other Services explanatory	Other services rendered (Millions of Euros) 2019 2018 2017 Firms belonging to the KPMG worldwide organization 0.3 0.3 0.5
Table Of Auditor Remuneration And Other Services Provided	Fees for audits conducted (*) (Millions of Euros) 2019 2018 2017 Legal audit of BBVA, S.A. or its companies under control 6.5 6.7 6.8 Other audit services of BBVA, S.A. or its companies under control 5.5 5.9 5.0 Limited Review of BBVA, S.A. or its companies under control 0.9 1.1 0.9 Reports related to issuances 0.3 0.3 0.4 Assurance services and other required by the regulator 0.8 0.9 0.6

Note 53 - Related-Party Trans_2

Note 53 - Related-Party Transactions (Tables)	12 Months Ended
	Dec. 31, 2019
Related Party Transactions Abstract
Balances Arising From Transactions With Entities Of The Group	Balances arising from transactions with entities of the Group (Millions of Euros) 2019 2018 2017 Assets Loans and advances to credit institutions 26 132 91 Loans and advances to customers 1,682 1,866 510 Liabilities Deposits from credit institutions 3 2 5 Customer deposits 453 521 428 Memorandum accounts Contingent commitments 166 152 114 Other contingent commitments given 1,042 1,358 1,175 Financial guarantees given 106 78 78
Balance Of Income Statement Arising From Transactions With Entities Of The Group	Balances of consolidated income statement arising from transactions with entities of the Group (Millions of Euros) 2019 2018 2017 Income statement Interest and other income 19 55 26 Interest expense 1 2 1 Fee and commission income 4 5 5 Fee and commission expense 53 48 49

Note 54 - Remuneration And Ot_2

Note 54 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management (Tables)	12 Months Ended
	Dec. 31, 2019
Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Banks Senior Management Abstract
Remuneration For Non Executive Directors Explanatory	Remuneration for non-executive directors (Thousands of Euros) Board of Directors Executive Committee Audit Committee Risk and Compliance Committee Remunerations Committee Appointments and Corporate Governance Committee Technology and Cybersecurity Committee Other functions (1) Total Tomás Alfaro Drake 129 - - - 43 - 43 - 214 José Miguel Andrés Torrecillas 129 - 104 107 - 111 - 33 483 Jaime Caruana Lacorte 129 167 110 107 - - 14 - 527 Belén Garijo López 129 - 68 - 107 45 - - 348 Sunir Kumar Kapoor 129 - - - - - 43 - 172 Carlos Loring Martínez de Irujo 129 167 - 107 43 - - - 445 Lourdes Máiz Carro 129 - 68 - 43 14 - - 253 José Maldonado Ramos 129 167 - - - 45 - - 340 Ana Peralta Moreno 129 - 68 - 43 - - - 240 Juan Pi Llorens 129 - 24 214 - 31 43 53 493 Susana Rodríguez Vidarte 129 167 - 107 - 45 - - 447 Jan Verplancke 129 - - - - - 43 - 172 Total (2) 1,545 667 442 642 278 289 186 87 4,134
Remuneration Of Executive Directors Explanatory	Annual Fixed Remuneration for 2019 (Thousands of Euros) Group Executive Chairman 2,453 Chief Executive Officer 2,179 Director de GE&PA 834 Total 5,466 Annual Variable Remuneration for 2018 In cash (1) In shares (1) (thousands of Euros) Group Executive Chairman 479 100,436 Chief Executive Officer (2) 200 41,267 Head of GE&PA 79 16,641 Total 758 158,344 Deferred Annual Variable Remuneration for 2015 In cash (1) In shares (1) (thousands of Euros) Group Executive Chairman 612 79,157 Head of GE&PA 113 14,667 Total 725 93,824
Disclosure Of Remuneration For Members of the Senior Management Explanatory	Annual Fixed Remuneration for 2019 (thousands of Euros) Senior Management total 13,883 Annual Variable Remuneration for 2018 In cash In shares (thousands of Euros) Senior Management total 887 185,888 Annual Variable Remuneration for 2015 In cash In shares (thousands of Euros) Senior Management total 1,263 163,215
Number Of Shares Explanatory	Theoretical shares allocated in 2019 Theoretical shares accumulated as at 31 December 2019 Tomás Alfaro Drake 10,138 93,587 José Miguel Andrés Torrecillas 19,095 55,660 Jaime Caruana Lacorte 9,320 9,320 Belén Garijo López 12,887 47,528 Sunir Kumar Kapoor 6,750 15,726 Carlos Loring Martínez de Irujo 17,515 116,391 Lourdes Máiz Carro 11,160 34,320 José Maldonado Ramos 15,328 94,323 Ana Peralta Moreno 5,624 5,624 Juan Pi Llorens 17,970 72,141 Susana Rodríguez Vidarte 17,431 122,414 Jan Verplancke 5,203 5,203 Total 148,421 672,237

Note 2 - Principles Of Consol_3

Note 2 - Principles Of Consolidation, Acounting policies and measurement bases applied and recent IFRS pronouncements - Depreciation rates for tangible assets (Details)	12 Months Ended
	Dec. 31, 2019
Building for own use [Member]
Effective dates of revaluation property plant and equipment Line Items
Effective dates of revaluation property plant and equipment	1% - 4%
Furniture [Member]
Effective dates of revaluation property plant and equipment Line Items
Effective dates of revaluation property plant and equipment	8% - 10%
Fixtures [Member]
Effective dates of revaluation property plant and equipment Line Items
Effective dates of revaluation property plant and equipment	6% - 12%
Office Supplies and hardware [Member]
Effective dates of revaluation property plant and equipment Line Items
Effective dates of revaluation property plant and equipment	8% - 25%

Note 2 - Principles Of Consol_4

Note 2 - Principles Of Consolidation, Acounting policies and measurement bases applied and recent IFRS pronouncements - GPI Argentina (Details)	Dec. 31, 2019	Dec. 31, 2018
Principles Of Consolidations Accounting Policies And Measurement Basis And Recent IFRS Pronouncements
Level Of Price Index	285	184
Average Level Of Price Index	233	152
Inflation Of The Period	55.00%	48.00%

Note 3 - BBVA Group - Contribut

Note 3 - BBVA Group - Contribution to Consolidated Group Assets (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Contribution To Consolidated Group Assets Line Items
Contributed To Consolidated Group Assets	€ 698,690,000,000	€ 676,689,000,000	€ 690,059,000,000
Banking And Other Financial Services [Member]
Contribution To Consolidated Group Assets Line Items
Contributed To Consolidated Group Assets	667,319,000,000	647,164,000,000	659,414,000,000
Insurance And Pension Fund [Member]
Contribution To Consolidated Group Assets Line Items
Contributed To Consolidated Group Assets	29,300,000,000	26,732,000,000	26,134,000,000
Other Non Financial [Member]
Contribution To Consolidated Group Assets Line Items
Contributed To Consolidated Group Assets	€ 2,071,000,000	€ 2,793,000,000	€ 4,511,000,000

Note 4 - Shareholder Remunera_3

Note 4 - Shareholder Remuneration System - Available Amount For Interim Divided Payments (Details) - EUR (€)	1 Months Ended	12 Months Ended
	Aug. 31, 2019	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share holder Remuneration System Abstract
Profit	€ 1,137,000,000	€ 4,345,000,000	€ 6,227,000,000	€ 4,757,000,000
Additional Tier I Capital Instruments Remuneration	276,000,000
Maximun Amount Distributable	861,000,000
Amount Of Proposed Interim Dividend	667,000,000
BBVACashBalance	€ 6,691,000,000

Note 4 - Shareholder Remunera_4

Note 4 - Shareholder Remuneration System - Allocation Of Earnings (Details)	Dec. 31, 2019EUR (€)
Share holder Remuneration System Abstract
Profit of BBVA, S.A.	€ 2,241,000,000
Interim Dividens	667,000,000
Final Dividends	1,067,000,000
Additional Tier I Securities Distribution	419,000,000
Voluntary Reserves Distribution	€ 88,000,000

Note 5 - Earnings Per Share (De

Note 5 - Earnings Per Share (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
Earnings Per Share Abstract
Profit (Loss) From Continuing Operations Attributable To Ordinary Equity Holders Of Parent Company		€ 3,512,000,000	€ 5,400,000,000	[1]	€ 3,514,000,000	[1]
Adjustment Additional Tier 1 Securities	[2]	(419,000,000)	(447,000,000)	[1]	(430,000,000)	[1]
Profit Loss Attributable To Ordinary Equity Holders Of Parent Entity Including Dilutive Effects		3,093,000,000	4,953,000,000	[1]	3,084,000,000	[1]
Profit from discontinued operations net (Income Statement)		€ 0	€ 0	[1]	€ 0	[1]
Weighted Average Shares	[3]	6,668,000,000	6,668,000,000	[4]	6,642,000,000	[4]
Weighted Average Shares X Corrective Factor	[5]	6,668,000,000	6,668,000,000	[4]	6,642,000,000	[4]
AdjustedWeightedAverageShares		6,648,000,000	6,636,000,000	[4]	6,642,000,000	[4]
Adjusted Weighted Average Shares Diluted EPS		€ 6,648,000,000	€ 6,636,000,000	[4]	€ 6,642,000,000	[4]
Basic Earnings Loss Per Share	[6]	€ 0.47	€ 0.75	[4]	€ 0.46	[4]
Basic Earnings Loss Per Share From Continuing Operations		0.47	0.75	[4]	0.46	[4]
Diluted Earnings Loss Per Share From Continuing Operations		0.47	0.75	[4]	0.46	[4]
Basic Earnings Loss Per Share From Discontinued Operations		0	0	[4]	0	[4]
Diluted Earnings Loss Per Share From Discontinued Operations		€ 0	€ 0	[4]	€ 0	[4]
[1]	(4) The figures corresponding to 2018 and 2017 have been restated (see Note 1.3)
[2]	(1) Remuneration in the year related to contingent convertible securities, recognized in equity (see Note 22.4).
[3]	(2) Weighted average number of shares outstanding (millions of euros), excluding weighted average of treasury shares during the year.
[4]	(4) The figures corresponding to 2018 and 2017 have been restated (see Note 1.3)
[5]	(3) Corr ective factor, due to the capital increase with pre-emptive subscription right, applied for the previous years.
[6]	(*) In 2019 the weighted average number of shares outstandi ng was 6,668 million (6,668 million and 6,642 million in 2018 and 2017, respectively) and the adjustment of additional Tier 1 securities amounted to €419 million (€447 and €430 million in 2018 and 2017, respectively).

Note 6 - Operating Segment Re_2

Note 6 - Operating Segment Reporting - Total Assets Operating Segment (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
Total Assets Line Items
Assets	€ 698,690,000,000	€ 676,689,000,000		€ 690,059,000,000
Spain [Member]
Total Assets Line Items
Assets	365,374,000,000	354,901,000,000	[1]	350,520,000,000	[1]
United States [Member]
Total Assets Line Items
Assets	88,529,000,000	82,057,000,000	[1]	75,775,000,000	[1]
Mexico [Member]
Total Assets Line Items
Assets	109,079,000,000	97,432,000,000	[1]	90,214,000,000	[1]
Turkey [Member]
Total Assets Line Items
Assets	64,416,000,000	66,250,000,000	[1]	78,789,000,000	[1]
South America [Member]
Total Assets Line Items
Assets	54,996,000,000	54,373,000,000	[1]	75,320,000,000	[1]
Rest Of Eurasia [Member]
Total Assets Line Items
Assets	23,248,000,000	18,834,000,000	[1]	17,265,000,000	[1]
Subtotal [Member]
Total Assets Line Items
Assets	705,641,000,000	673,848,000,000	[1]	687,884,000,000	[1]
Corporate Center and other adjustments [Member]
Total Assets Line Items
Assets	(6,951)	2,841	[1]	2,175	[1]
Total Member
Total Assets Line Items
Assets	€ 698,690	€ 676,689	[1]	€ 690,059	[1]
[1]	(1) The figures corresponding to 2018 and 2017 have been restated (see Note 1.3).

Note 6 - Operating Segments R_2

Note 6 - Operating Segments Reporting - Income by Operating Segment (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
Income By Operating Segment Line Items
GROSS INCOME	€ 24,542,000,000	€ 23,747,000,000		€ 25,270,000,000
Operating Profit Before Tax	6,398,000,000	8,446,000,000		6,931,000,000
Profit or loss attributable to owners of the parent	3,512,000,000	5,400,000,000		3,514,000,000
Total Member
Income By Operating Segment Line Items
Net Interest Income	18,202,000,000	17,591,000,000	[1]	17,758,000,000	[2]
GROSS INCOME	24,542,000,000	23,747,000,000	[1]	25,270,000,000	[2]
Operating Profit Before Tax	6,398,000,000	8,446,000,000	[1]	6,931,000,000	[2]
Profit or loss attributable to owners of the parent	3,512,000,000	5,400,000,000	[1]	3,514,000,000	[2]
Spain [Member]
Income By Operating Segment Line Items
Net Interest Income	3,645,000,000	3,698,000,000	[1]	3,810,000,000	[2]
GROSS INCOME	5,734,000,000	5,968,000,000	[1]	6,162,000,000	[2]
Operating Profit Before Tax	1,878,000,000	1,840,000,000	[1]	1,189,000,000	[2]
Profit or loss attributable to owners of the parent	1,386,000,000	1,400,000,000	[1]	877,000,000	[2]
United States [Member]
Income By Operating Segment Line Items
Net Interest Income	2,395,000,000	2,276,000,000	[1]	2,119,000,000	[2]
GROSS INCOME	3,223,000,000	2,989,000,000	[1]	2,876,000,000	[2]
Operating Profit Before Tax	705,000,000	920,000,000	[1]	749,000,000	[2]
Profit or loss attributable to owners of the parent	590,000,000	736,000,000	[1]	486,000,000	[2]
Mexico [Member]
Income By Operating Segment Line Items
Net Interest Income	6,209,000,000	5,568,000,000	[1]	5,476,000,000	[2]
GROSS INCOME	8,029,000,000	7,193,000,000	[1]	7,122,000,000	[2]
Operating Profit Before Tax	3,691,000,000	3,269,000,000	[1]	2,960,000,000	[2]
Profit or loss attributable to owners of the parent	2,699,000,000	2,367,000,000	[1]	2,170,000,000	[2]
Turkey [Member]
Income By Operating Segment Line Items
Net Interest Income	2,814,000,000	3,135,000,000	[1]	3,331,000,000	[2]
GROSS INCOME	3,590,000,000	3,901,000,000	[1]	4,115,000,000	[2]
Operating Profit Before Tax	1,341,000,000	1,444,000,000	[1]	2,143,000,000	[2]
Profit or loss attributable to owners of the parent	506,000,000	567,000,000	[1]	823,000,000	[2]
South America [Member]
Income By Operating Segment Line Items
Net Interest Income	3,196,000,000	3,009,000,000	[1]	3,200,000,000	[2]
GROSS INCOME	3,850,000,000	3,701,000,000	[1]	4,451,000,000	[2]
Operating Profit Before Tax	1,396,000,000	1,288,000,000	[1]	1,671,000,000	[2]
Profit or loss attributable to owners of the parent	721,000,000	578,000,000	[1]	847,000,000	[2]
Rest Of Eurasia [Member]
Income By Operating Segment Line Items
Net Interest Income	175,000,000	175,000,000	[1]	180,000,000	[2]
GROSS INCOME	454,000,000	414,000,000	[1]	468,000,000	[2]
Operating Profit Before Tax	163,000,000	148,000,000	[1]	181,000,000	[2]
Profit or loss attributable to owners of the parent	127,000,000	96,000,000	[1]	128,000,000	[2]
Corporate Center [Member]
Income By Operating Segment Line Items
Net Interest Income	(233,000,000)	(269,000,000)	[1]	(357,000,000)	[2]
GROSS INCOME	(339,000,000)	(420,000,000)	[1]	74,000,000	[2]
Operating Profit Before Tax	(2,775,000,000)	(463,000,000)	[1]	(1,962,000,000)	[2]
Profit or loss attributable to owners of the parent	€ (2,517,000,000)	€ (343,000,000)	[1]	€ (1,817,000,000)	[2]
[1]	(1) The figures corresponding to 2018 a nd 2017 have been restated (see Note 1.3).
[2]	(1) The figures corresponding to 2018 a nd 2017 have been restated (see Note 1.3).

Note 7 - Risk Management - Maxi

Note 7 - Risk Management - Maximum Credit Risk Exposure (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018
Financial Assets Held For Trading [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	€ 69,503,000,000	€ 59,581,000,000
Debt securities Financial Assets Held for trading [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	26,309,000,000	25,577,000,000
Equity Instruments Financial Assets Held for trading [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	8,892,000,000	5,254,000,000
Loans and Advances to Customers Financial Assets Held for trading [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	34,303,000,000	28,750,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	5,557,000,000	5,135,000,000
Loans and Advances Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	1,120,000,000	1,803,000,000
Debt Securities Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	110,000,000	237,000,000
Equity Instruments Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	4,327,000,000	3,095,000,000
Financial assets designated at fair value throught profit or loss [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	1,214,000,000	1,313,000,000
Derivatives tradings and hedging [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	39,462,000,000	38,249,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	61,293,000,000	56,365,000,000
Debt securities Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	58,841,000,000	53,737,000,000
Debt securities Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Stage 1 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	58,590,000,000	53,734,000,000
Debt securities Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Stage 2 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	250,000,000	3,000,000
Debt securities Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Stage 3 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	0	0
Equity Instruments Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	2,420,000,000	2,595,000,000
Loans And Advances To Credit Iinstitutions Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	33,000,000	33,000,000
Loans And Advances To Credit Iinstitutions Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Stage 1 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	33,000,000	33,000,000
Loans And Advances To Credit Iinstitutions Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Stage 2 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	0	0
Loans And Advances To Credit Iinstitutions Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Stage 3 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	0	0
Financial Assets At Amortised Cost Member | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	451,640,000,000	431,927,000,000
Financial Assets At Amortised Cost Member | Stage 1 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	402,024,000,000	384,632,000,000
Financial Assets At Amortised Cost Member | Stage 2 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	33,624,000,000	30,902,000,000
Financial Assets At Amortised Cost Member | Stage 3 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	15,993,000,000	16,394,000,000
Loans and advances to central banks Financial Assets At Amortised Cost [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	4,285,000,000	3,947,000,000
Loans and advances to central banks Financial Assets At Amortised Cost [Member] | Stage 1 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	4,285,000,000	3,947,000,000
Loans and advances to central banks Financial Assets At Amortised Cost [Member] | Stage 2 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	0	0
Loans and advances to central banks Financial Assets At Amortised Cost [Member] | Stage 3 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	0	0
Loans and advances to credit institutions Financial Assets At Amortised Cost [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	13,664,000,000	9,175,000,000
Loans and advances to credit institutions Financial Assets At Amortised Cost [Member] | Stage 1 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	13,500,000,000	9,131,000,000
Loans and advances to credit institutions Financial Assets At Amortised Cost [Member] | Stage 2 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	158,000,000	34,000,000
Loans and advances to credit institutions Financial Assets At Amortised Cost [Member] | Stage 3 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	6,000,000	10,000,000
Loans and advances to customers Financial Assets At Amortised Cost [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	394,763,000,000	386,225,000,000
Loans and advances to customers Financial Assets At Amortised Cost [Member] | Stage 1 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	345,449,000,000	339,204,000,000
Loans and advances to customers Financial Assets At Amortised Cost [Member] | Stage 2 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	33,360,000,000	30,673,000,000
Loans and advances to customers Financial Assets At Amortised Cost [Member] | Stage 3 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	15,954,000,000	16,348,000,000
Debt securities Financial Assets At Amortised Cost [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	38,930,000,000	32,580,000,000
Debt securities Financial Assets At Amortised Cost [Member] | Stage 1 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	38,790,000,000	32,350,000,000
Debt securities Financial Assets At Amortised Cost [Member] | Stage 2 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	106,000,000	195,000,000
Debt securities Financial Assets At Amortised Cost [Member] | Stage 3 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	33,000,000	35,000,000
Total Financial Assets Risk [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	628,670,000,000	592,571,000,000
Total Loan Commitments and Financial Guarantees [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	181,116,000,000	170,511,000,000
Total Loan Commitments and Financial Guarantees [Member] | Stage 1 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	169,663,000,000	161,404,000,000
Total Loan Commitments and Financial Guarantees [Member] | Stage 2 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	10,452,000,000	8,120,000,000
Total Loan Commitments and Financial Guarantees [Member] | Stage 3 [Member]
Credit Exposure Line Items
Maximum Exposure To Credit Risk	1,001,000,000	987,000,000
Total Maximun Credit Exposure [Member] | Total Member
Credit Exposure Line Items
Maximum Exposure To Credit Risk	€ 809,786,000,000	€ 763,082,000,000

Note 7 - Risk Management - Brea

Note 7 - Risk Management - Breakdown Loans and Advances Net of Impairment Losses (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Total Member | Central Banks [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	€ 4,275,000,000	€ 3,941,000,000	€ 7,301,000,000
Total Member | General Government [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	28,816,000,000	29,917,000,000	32,294,000,000
Total Member | Credit Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	13,682,000,000	9,196,000,000	26,261,000,000
Total Member | Other Financial Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	11,208,000,000	9,468,000,000	18,525,000,000
Total Member | Corporate Entities [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	167,246,000,000	163,922,000,000	164,637,000,000
Total Member | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	176,211,000,000	172,522,000,000	172,868,000,000
Total Member | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	401,438,000,000	388,966,000,000	421,886,000,000
Total Member | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	413,863,000,000	401,183,000,000
On demand and short notice [Member] | By Product [Member] | Central Banks [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	0	0	0
On demand and short notice [Member] | By Product [Member] | General Government [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	9,000,000	10,000,000	222,000,000
On demand and short notice [Member] | By Product [Member] | Credit Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	0	0	0
On demand and short notice [Member] | By Product [Member] | Other Financial Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	118,000,000	151,000,000	270,000,000
On demand and short notice [Member] | By Product [Member] | Corporate Entities [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	2,328,000,000	2,833,000,000	7,663,000,000
On demand and short notice [Member] | By Product [Member] | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	595,000,000	648,000,000	2,405,000,000
On demand and short notice [Member] | By Product [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	3,050,000,000	3,641,000,000	10,560,000,000
On demand and short notice [Member] | By Product [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	3,251,000,000	3,834,000,000
Credit Card Debt [Member] | By Product [Member] | Central Banks [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	0	0	0
Credit Card Debt [Member] | By Product [Member] | General Government [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	10,000,000	8,000,000	6,000,000
Credit Card Debt [Member] | By Product [Member] | Credit Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	1,000,000	1,000,000	0
Credit Card Debt [Member] | By Product [Member] | Other Financial Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	3,000,000	2,000,000	3,000,000
Credit Card Debt [Member] | By Product [Member] | Corporate Entities [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	1,940,000,000	2,328,000,000	1,862,000,000
Credit Card Debt [Member] | By Product [Member] | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	14,401,000,000	13,108,000,000	13,964,000,000
Credit Card Debt [Member] | By Product [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	16,355,000,000	15,446,000,000	15,835,000,000
Credit Card Debt [Member] | By Product [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	17,608,000,000	16,495,000,000
Trade Receivables [Member] | By Product [Member] | General Government [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	971,000,000	948,000,000	1,624,000,000
Trade Receivables [Member] | By Product [Member] | Credit Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	0	0	0
Trade Receivables [Member] | By Product [Member] | Other Financial Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	230,000,000	195,000,000	497,000,000
Trade Receivables [Member] | By Product [Member] | Corporate Entities [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	15,976,000,000	16,190,000,000	20,385,000,000
Trade Receivables [Member] | By Product [Member] | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	99,000,000	103,000,000	198,000,000
Trade Receivables [Member] | By Product [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	17,276,000,000	17,436,000,000	22,705,000,000
Trade Receivables [Member] | By Product [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	17,617,000,000	17,716,000,000
Finance Leases [Member] | By Product [Member] | Central Banks [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	0	0	0
Finance Leases [Member] | By Product [Member] | General Government [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	227,000,000	226,000,000	205,000,000
Finance Leases [Member] | By Product [Member] | Credit Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	0	0	0
Finance Leases [Member] | By Product [Member] | Other Financial Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	6,000,000	3,000,000	36,000,000
Finance Leases [Member] | By Product [Member] | Corporate Entities [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	8,091,000,000	8,014,000,000	8,040,000,000
Finance Leases [Member] | By Product [Member] | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	387,000,000	406,000,000	361,000,000
Finance Leases [Member] | By Product [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	8,711,000,000	8,650,000,000	8,642,000,000
Finance Leases [Member] | By Product [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	9,095,000,000	9,077,000,000
Reverse Repurchase Agreements [Member] | By Product [Member] | Central Banks [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	0	0	305,000,000
Reverse Repurchase Agreements [Member] | By Product [Member] | General Government [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	0	293,000,000	1,290,000,000
Reverse Repurchase Agreements [Member] | By Product [Member] | Credit Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	1,817,000,000	477,000,000	13,793,000,000
Reverse Repurchase Agreements [Member] | By Product [Member] | Other Financial Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	0	0	10,912,000,000
Reverse Repurchase Agreements [Member] | By Product [Member] | Corporate Entities [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	26,000,000	0	0
Reverse Repurchase Agreements [Member] | By Product [Member] | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	0	0	0
Reverse Repurchase Agreements [Member] | By Product [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	1,843,000,000	770,000,000	26,300,000,000
Reverse Repurchase Agreements [Member] | By Product [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	1,848,000,000	772,000,000
Other Term Loans [Member] | By Product [Member] | Central Banks [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	4,240,000,000	3,911,000,000	6,993,000,000
Other Term Loans [Member] | By Product [Member] | General Government [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	26,734,000,000	26,839,000,000	26,983,000,000
Other Term Loans [Member] | By Product [Member] | Credit Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	4,121,000,000	2,947,000,000	4,463,000,000
Other Term Loans [Member] | By Product [Member] | Other Financial Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	7,795,000,000	7,030,000,000	5,763,000,000
Other Term Loans [Member] | By Product [Member] | Corporate Entities [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	137,934,000,000	133,573,000,000	125,228,000,000
Other Term Loans [Member] | By Product [Member] | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	160,223,000,000	157,760,000,000	155,418,000,000
Other Term Loans [Member] | By Product [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	341,047,000,000	332,060,000,000	324,848,000,000
Other Term Loans [Member] | By Product [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	351,230,000,000	342,264,000,000
Advances That Are Not Loans [Member] | By Product [Member] | Central Banks [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	35,000,000	29,000,000	2,000,000
Advances That Are Not Loans [Member] | By Product [Member] | General Government [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	865,000,000	1,592,000,000	1,964,000,000
Advances That Are Not Loans [Member] | By Product [Member] | Credit Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	7,743,000,000	5,771,000,000	8,005,000,000
Advances That Are Not Loans [Member] | By Product [Member] | Other Financial Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	3,056,000,000	2,088,000,000	1,044,000,000
Advances That Are Not Loans [Member] | By Product [Member] | Corporate Entities [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	951,000,000	984,000,000	1,459,000,000
Advances That Are Not Loans [Member] | By Product [Member] | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	506,000,000	498,000,000	522,000,000
Advances That Are Not Loans [Member] | By Product [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	13,156,000,000	10,962,000,000	12,995,000,000
Advances That Are Not Loans [Member] | By Product [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	13,214,000,000	11,025,000,000
Total Member [Member] | By Product [Member] | Central Banks [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	4,275,000,000	3,941,000,000	7,301,000,000
Total Member [Member] | By Product [Member] | General Government [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	28,816,000,000	29,917,000,000	32,294,000,000
Total Member [Member] | By Product [Member] | Credit Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	13,682,000,000	9,196,000,000	26,261,000,000
Total Member [Member] | By Product [Member] | Other Financial Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	11,208,000,000	9,468,000,000	18,525,000,000
Total Member [Member] | By Product [Member] | Corporate Entities [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	167,246,000,000	163,922,000,000	164,637,000,000
Total Member [Member] | By Product [Member] | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	176,211,000,000	172,522,000,000	172,868,000,000
Total Member [Member] | By Product [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	401,438,000,000	388,966,000,000	421,886,000,000
Total Member [Member] | By Product [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	413,863,000,000	401,183,000,000
Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | General Government [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	1,067,000,000	1,056,000,000	998,000,000
Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | Credit Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	15,000,000	15,000,000	0
Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | Other Financial Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	261,000,000	219,000,000	308,000,000
Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | Corporate Entities [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	23,575,000,000	26,784,000,000	37,353,000,000
Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	111,085,000,000	111,809,000,000	116,938,000,000
Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	136,003,000,000	139,883,000,000	155,597,000,000
Loans and Advances Net Of Impairment Losses Of Which: Mortgage Loans [Member] | By Secured Loans [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	139,317,000,000	144,005,000,000
Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Central Banks [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	0	0
Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | General Government [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	10,447,000,000	7,179,000,000	7,167,000,000
Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Credit Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	93,000,000	285,000,000	13,501,000,000
Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Other Financial Institutions [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	2,106,000,000	1,389,000,000	12,907,000,000
Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Corporate Entities [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	29,009,000,000	31,393,000,000	24,100,000,000
Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	6,893,000,000	6,835,000,000	9,092,000,000
Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	48,548,000,000	47,081,000,000	66,767,000,000
Loans and Advances Net Of Impairment Losses Of Which: Other Collateralized Loans [Member] | By Secured Loans [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	49,266,000,000	47,855,000,000
Loans and Advances Net Of Impairment Losses Of Which: Credit For Consumpltion [Member] | By Purpose of the Loan [Member] | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	46,356,000,000	40,124,000,000	40,705,000,000
Loans and Advances Net Of Impairment Losses Of Which: Credit For Consumpltion [Member] | By Purpose of the Loan [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	46,356,000,000	40,124,000,000	40,705,000,000
Loans and Advances Net Of Impairment Losses Of Which: Credit For Consumpltion [Member] | By Purpose of the Loan [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	49,474,000,000	42,736,000,000
Loans and Advances Net Of Impairment Losses Of Which: Lending For House Purchase [Member] | By Purpose of the Loan [Member] | Households [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	110,178,000,000	111,007,000,000	114,709,000,000
Loans and Advances Net Of Impairment Losses Of Which: Lending For House Purchase [Member] | By Purpose of the Loan [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	110,178,000,000	111,007,000,000	114,709,000,000
Loans and Advances Net Of Impairment Losses Of Which: Lending For House Purchase [Member] | By Purpose of the Loan [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	111,636,000,000	112,952,000,000
Loans and Advances Net Of Impairment Losses Of Which: Project Finance Loans [Member] | By Subordination [Member] | Corporate Entities [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	12,259,000,000	13,973,000,000	16,412,000,000
Loans and Advances Net Of Impairment Losses Of Which: Project Finance Loans [Member] | By Subordination [Member] | Total Member
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	12,259,000,000	13,973,000,000	€ 16,412,000,000
Loans and Advances Net Of Impairment Losses Of Which: Project Finance Loans [Member] | By Subordination [Member] | Gross carrying amount [Member]
Disclosure of Loans and Advances Net Of Impairment Losses Line Items
Loans and Advances Net Of Impairment Losses	€ 12,415,000,000	€ 14,286,000,000

Note 7 - Risk Management - Guar

Note 7 - Risk Management - Guaranteed financial instruments based on IFRS9 (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018
Impaired Financial Assets At Amortised Cost Line Items
Impaired Financial Assets At Amortised Cost	€ 15,959,000,000	€ 16,359,000,000
Residential Mortgage [Member]
Impaired Financial Assets At Amortised Cost Line Items
Impaired Financial Assets At Amortised Cost	3,396,000,000	3,484,000,000
Commerce Mortgage [Member]
Impaired Financial Assets At Amortised Cost Line Items
Impaired Financial Assets At Amortised Cost	939,000,000	1,255,000,000
Cash [Member]
Impaired Financial Assets At Amortised Cost Line Items
Impaired Financial Assets At Amortised Cost	35,000,000	13,000,000
Other [Member]
Impaired Financial Assets At Amortised Cost Line Items
Impaired Financial Assets At Amortised Cost	221,000,000	317,000,000
Funds [Member]
Impaired Financial Assets At Amortised Cost Line Items
Impaired Financial Assets At Amortised Cost	542,000,000	502,000,000
Maximun Credit Risk Exposure [Member]
Impaired Financial Assets At Amortised Cost Line Items
Impaired Financial Assets At Amortised Cost	15,959,000,000	16,359,000,000
of which guaranteed [Member] | Residential Mortgage [Member]
Impaired Financial Assets At Amortised Cost Line Items
Impaired Financial Assets At Amortised Cost	3,396,000,000	3,484,000,000
of which guaranteed [Member] | Commerce Mortgage [Member]
Impaired Financial Assets At Amortised Cost Line Items
Impaired Financial Assets At Amortised Cost	939,000,000	1,255,000,000
of which guaranteed [Member] | Cash [Member]
Impaired Financial Assets At Amortised Cost Line Items
Impaired Financial Assets At Amortised Cost	35,000,000	13,000,000
of which guaranteed [Member] | Other [Member]
Impaired Financial Assets At Amortised Cost Line Items
Impaired Financial Assets At Amortised Cost	221,000,000	317,000,000
of which guaranteed [Member] | Funds [Member]
Impaired Financial Assets At Amortised Cost Line Items
Impaired Financial Assets At Amortised Cost	€ 542,000,000	€ 502,000,000

Note 7 - Risk Management -Inter

Note 7 - Risk Management -Internal Rating and Probability of Default (Details)	12 Months Ended
	Dec. 31, 2019
External Rating [Member] | Standard & Poors [Member] | AAA
Disclosure Of External Credit Exposures Line Items
Abridged Scale	AAA
External Rating [Member] | Standard & Poors [Member] | AA Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	AA+
External Rating [Member] | Standard & Poors [Member] | AA
Disclosure Of External Credit Exposures Line Items
Abridged Scale	AA
External Rating [Member] | Standard & Poors [Member] | AA Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	AA-
External Rating [Member] | Standard & Poors [Member] | A Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	A+
External Rating [Member] | Standard & Poors [Member] | A
Disclosure Of External Credit Exposures Line Items
Abridged Scale	A
External Rating [Member] | Standard & Poors [Member] | A Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	A-
External Rating [Member] | Standard & Poors [Member] | BBB Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	BBB+
External Rating [Member] | Standard & Poors [Member] | BBB
Disclosure Of External Credit Exposures Line Items
Abridged Scale	BBB
External Rating [Member] | Standard & Poors [Member] | BBB Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	BBB-
External Rating [Member] | Standard & Poors [Member] | BB Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	BB+
External Rating [Member] | Standard & Poors [Member] | BB
Disclosure Of External Credit Exposures Line Items
Abridged Scale	BB
External Rating [Member] | Standard & Poors [Member] | BB Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	BB-
External Rating [Member] | Standard & Poors [Member] | B Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	B+
External Rating [Member] | Standard & Poors [Member] | B
Disclosure Of External Credit Exposures Line Items
Abridged Scale	B
External Rating [Member] | Standard & Poors [Member] | B Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	B-
External Rating [Member] | Standard & Poors [Member] | CCC Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	CCC+
External Rating [Member] | Standard & Poors [Member] | CCC
Disclosure Of External Credit Exposures Line Items
Abridged Scale	CCC
External Rating [Member] | Standard & Poors [Member] | CCC Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	CCC-
External Rating [Member] | Standard & Poors [Member] | CC Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	CC+
External Rating [Member] | Standard & Poors [Member] | CC
Disclosure Of External Credit Exposures Line Items
Abridged Scale	CC
Internat Rating [Member] | Reduced Scale [Member] | AAA
Disclosure Of External Credit Exposures Line Items
Abridged Scale	AAA
Internat Rating [Member] | Reduced Scale [Member] | AA Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	AA+
Internat Rating [Member] | Reduced Scale [Member] | AA
Disclosure Of External Credit Exposures Line Items
Abridged Scale	AA
Internat Rating [Member] | Reduced Scale [Member] | AA Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	AA-
Internat Rating [Member] | Reduced Scale [Member] | A Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	A+
Internat Rating [Member] | Reduced Scale [Member] | A
Disclosure Of External Credit Exposures Line Items
Abridged Scale	A
Internat Rating [Member] | Reduced Scale [Member] | A Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	A-
Internat Rating [Member] | Reduced Scale [Member] | BBB Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	BBB+
Internat Rating [Member] | Reduced Scale [Member] | BBB
Disclosure Of External Credit Exposures Line Items
Abridged Scale	BBB
Internat Rating [Member] | Reduced Scale [Member] | BBB Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	BBB-
Internat Rating [Member] | Reduced Scale [Member] | BB Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	BB+
Internat Rating [Member] | Reduced Scale [Member] | BB
Disclosure Of External Credit Exposures Line Items
Abridged Scale	BB
Internat Rating [Member] | Reduced Scale [Member] | BB Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	BB-
Internat Rating [Member] | Reduced Scale [Member] | B Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	B+
Internat Rating [Member] | Reduced Scale [Member] | B
Disclosure Of External Credit Exposures Line Items
Abridged Scale	B
Internat Rating [Member] | Reduced Scale [Member] | B Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	B-
Internat Rating [Member] | Reduced Scale [Member] | CCC Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	CCC+
Internat Rating [Member] | Reduced Scale [Member] | CCC
Disclosure Of External Credit Exposures Line Items
Abridged Scale	CCC
Internat Rating [Member] | Reduced Scale [Member] | CCC Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	CCC-
Internat Rating [Member] | Reduced Scale [Member] | CC Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	CC+
Internat Rating [Member] | Reduced Scale [Member] | CC
Disclosure Of External Credit Exposures Line Items
Abridged Scale	CC
Internat Rating [Member] | Reduced Scale [Member] | Below Rating Scale
Disclosure Of External Credit Exposures Line Items
Abridged Scale	CC-
Probability of Default [Member] | Average [Member] | AAA
Disclosure Of External Credit Exposures Line Items
Abridged Scale	1
Probability of Default [Member] | Average [Member] | AA Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	2
Probability of Default [Member] | Average [Member] | AA
Disclosure Of External Credit Exposures Line Items
Abridged Scale	3
Probability of Default [Member] | Average [Member] | AA Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	4
Probability of Default [Member] | Average [Member] | A Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	5
Probability of Default [Member] | Average [Member] | A
Disclosure Of External Credit Exposures Line Items
Abridged Scale	8
Probability of Default [Member] | Average [Member] | A Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	10
Probability of Default [Member] | Average [Member] | BBB Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	14
Probability of Default [Member] | Average [Member] | BBB
Disclosure Of External Credit Exposures Line Items
Abridged Scale	20
Probability of Default [Member] | Average [Member] | BBB Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	31
Probability of Default [Member] | Average [Member] | BB Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	51
Probability of Default [Member] | Average [Member] | BB
Disclosure Of External Credit Exposures Line Items
Abridged Scale	88
Probability of Default [Member] | Average [Member] | BB Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	150
Probability of Default [Member] | Average [Member] | B Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	255
Probability of Default [Member] | Average [Member] | B
Disclosure Of External Credit Exposures Line Items
Abridged Scale	441
Probability of Default [Member] | Average [Member] | B Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	785
Probability of Default [Member] | Average [Member] | CCC Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	1,191
Probability of Default [Member] | Average [Member] | CCC
Disclosure Of External Credit Exposures Line Items
Abridged Scale	1,500
Probability of Default [Member] | Average [Member] | CCC Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	1,890
Probability of Default [Member] | Average [Member] | CC Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	2,381
Probability of Default [Member] | Average [Member] | CC
Disclosure Of External Credit Exposures Line Items
Abridged Scale	3,000
Probability of Default [Member] | Average [Member] | Below Rating Scale
Disclosure Of External Credit Exposures Line Items
Abridged Scale	3,780
Probability of Default [Member] | Minimum [Member] | AAA
Disclosure Of External Credit Exposures Line Items
Abridged Scale	0
Probability of Default [Member] | Minimum [Member] | AA Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	2
Probability of Default [Member] | Minimum [Member] | AA
Disclosure Of External Credit Exposures Line Items
Abridged Scale	3
Probability of Default [Member] | Minimum [Member] | AA Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	4
Probability of Default [Member] | Minimum [Member] | A Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	5
Probability of Default [Member] | Minimum [Member] | A
Disclosure Of External Credit Exposures Line Items
Abridged Scale	6
Probability of Default [Member] | Minimum [Member] | A Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	9
Probability of Default [Member] | Minimum [Member] | BBB Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	11
Probability of Default [Member] | Minimum [Member] | BBB
Disclosure Of External Credit Exposures Line Items
Abridged Scale	17
Probability of Default [Member] | Minimum [Member] | BBB Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	24
Probability of Default [Member] | Minimum [Member] | BB Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	39
Probability of Default [Member] | Minimum [Member] | BB
Disclosure Of External Credit Exposures Line Items
Abridged Scale	67
Probability of Default [Member] | Minimum [Member] | BB Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	116
Probability of Default [Member] | Minimum [Member] | B Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	194
Probability of Default [Member] | Minimum [Member] | B
Disclosure Of External Credit Exposures Line Items
Abridged Scale	335
Probability of Default [Member] | Minimum [Member] | B Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	581
Probability of Default [Member] | Minimum [Member] | CCC Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	1,061
Probability of Default [Member] | Minimum [Member] | CCC
Disclosure Of External Credit Exposures Line Items
Abridged Scale	1,336
Probability of Default [Member] | Minimum [Member] | CCC Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	1,684
Probability of Default [Member] | Minimum [Member] | CC Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	2,121
Probability of Default [Member] | Minimum [Member] | CC
Disclosure Of External Credit Exposures Line Items
Abridged Scale	2,673
Probability of Default [Member] | Minimum [Member] | Below Rating Scale
Disclosure Of External Credit Exposures Line Items
Abridged Scale	3,367
Probability of Default [Member] | Maximun [Member] | AAA
Disclosure Of External Credit Exposures Line Items
Abridged Scale	2
Probability of Default [Member] | Maximun [Member] | AA Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	3
Probability of Default [Member] | Maximun [Member] | AA
Disclosure Of External Credit Exposures Line Items
Abridged Scale	4
Probability of Default [Member] | Maximun [Member] | AA Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	5
Probability of Default [Member] | Maximun [Member] | A Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	6
Probability of Default [Member] | Maximun [Member] | A
Disclosure Of External Credit Exposures Line Items
Abridged Scale	9
Probability of Default [Member] | Maximun [Member] | A Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	11
Probability of Default [Member] | Maximun [Member] | BBB Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	17
Probability of Default [Member] | Maximun [Member] | BBB
Disclosure Of External Credit Exposures Line Items
Abridged Scale	24
Probability of Default [Member] | Maximun [Member] | BBB Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	39
Probability of Default [Member] | Maximun [Member] | BB Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	67
Probability of Default [Member] | Maximun [Member] | BB
Disclosure Of External Credit Exposures Line Items
Abridged Scale	116
Probability of Default [Member] | Maximun [Member] | BB Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	194
Probability of Default [Member] | Maximun [Member] | B Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	335
Probability of Default [Member] | Maximun [Member] | B
Disclosure Of External Credit Exposures Line Items
Abridged Scale	581
Probability of Default [Member] | Maximun [Member] | B Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	1,061
Probability of Default [Member] | Maximun [Member] | CCC Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	1,336
Probability of Default [Member] | Maximun [Member] | CCC
Disclosure Of External Credit Exposures Line Items
Abridged Scale	1,684
Probability of Default [Member] | Maximun [Member] | CCC Minus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	2,121
Probability of Default [Member] | Maximun [Member] | CC Plus
Disclosure Of External Credit Exposures Line Items
Abridged Scale	2,673
Probability of Default [Member] | Maximun [Member] | CC
Disclosure Of External Credit Exposures Line Items
Abridged Scale	3,367
Probability of Default [Member] | Maximun [Member] | Below Rating Scale
Disclosure Of External Credit Exposures Line Items
Abridged Scale	4,243

Note 7 - Risk Management -Int_2

Note 7 - Risk Management -Internal Rating Exposure (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018
Subject to 12 month ECL [Member]
Disclosure of probability of default Line Items
Abridged Scale	91.0	91.7
Subject to 12 month ECL [Member] | 0 to 2 [Member]
Disclosure of probability of default Line Items
Abridged Scale	5.5	9.6
Subject to 12 month ECL [Member] | 2 to 5 [Member]
Disclosure of probability of default Line Items
Abridged Scale	6.3	10.8
Subject to 12 month ECL [Member] | 5 to 11 [Member]
Disclosure of probability of default Line Items
Abridged Scale	14.6	6.3
Subject to 12 month ECL [Member] | 11 to 39 [Member]
Disclosure of probability of default Line Items
Abridged Scale	24.5	20.9
Subject to 12 month ECL [Member] | 39 to 194 [Member]
Disclosure of probability of default Line Items
Abridged Scale	24.5	30.1
Subject to 12 month ECL [Member] | 194 to 1.061 [Member]
Disclosure of probability of default Line Items
Abridged Scale	14.0	12.2
Subject to 12 month ECL [Member] | 1.061 to 2.121 [Member]
Disclosure of probability of default Line Items
Abridged Scale	1.4	1.6
Subject to 12 month ECL [Member] | 2.121 to 4.243 [Member]
Disclosure of probability of default Line Items
Abridged Scale	0.4	0.2
Subject to life time ECL [Member]
Disclosure of probability of default Line Items
Abridged Scale	9.0	8.3
Subject to life time ECL [Member] | 0 to 2 [Member]
Disclosure of probability of default Line Items
Abridged Scale	-	-
Subject to life time ECL [Member] | 2 to 5 [Member]
Disclosure of probability of default Line Items
Abridged Scale	-	0.1
Subject to life time ECL [Member] | 5 to 11 [Member]
Disclosure of probability of default Line Items
Abridged Scale	0.2	-
Subject to life time ECL [Member] | 11 to 39 [Member]
Disclosure of probability of default Line Items
Abridged Scale	0.8	0.4
Subject to life time ECL [Member] | 39 to 194 [Member]
Disclosure of probability of default Line Items
Abridged Scale	1.6	1.8
Subject to life time ECL [Member] | 194 to 1.061 [Member]
Disclosure of probability of default Line Items
Abridged Scale	3.6	3.6
Subject to life time ECL [Member] | 1.061 to 2.121 [Member]
Disclosure of probability of default Line Items
Abridged Scale	1.2	1.2
Subject to life time ECL [Member] | 2.121 to 4.243 [Member]
Disclosure of probability of default Line Items
Abridged Scale	1.5	1.2

Note 7 - Risk Management - Past

Note 7 - Risk Management - Past due but not impaired and impaired secured loans risks (I) (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Disclosure Of Financial Assets That Are Either Past Due Or Impaired Line Items
Financial Assets	€ 16,770,000,000	€ 17,134,000,000	€ 20,590,000,000	€ 23,877,000,000

Note 7 - Risk Management - Pa_2

Note 7 - Risk Management - Past due but not impaired and impaired secured loans risks (II) (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
Disclosure Of Financial Assets That Are Either Past Due Or Impaired Line Items
Financial Assets	€ 16,770,000,000	€ 17,134,000,000	€ 20,590,000,000	€ 23,877,000,000

Note 7 - Risk Management - Br_2

Note 7 - Risk Management - Breakdown of Loans and Advances , impaired and accumulated impairment by sectors (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Central Banks [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 4,285,000,000	€ 3,947,000,000
Loans and Advances Impared and Accumulated impairment by sectors	0	0
Accumulated Impairment	€ (9,000,000)	€ (6,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	0.00%	0.00%
General Governement [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 28,281,000,000	€ 28,198,000,000
Loans and Advances Impared and Accumulated impairment by sectors	88,000,000	128,000,000	€ 171,000,000
Accumulated Impairment	€ (60,000,000)	€ (84,000,000)	€ (111,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	0.30%	0.40%	0.50%
Credit Institutions [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 13,664,000,000	€ 9,175,000,000
Loans and Advances Impared and Accumulated impairment by sectors	6,000,000	10,000,000	€ 11,000,000
Accumulated Impairment	€ (15,000,000)	€ (12,000,000)	€ (36,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	0.00%	0.10%	0.30%
Other Financial Institutions [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 11,239,000,000	€ 9,490,000,000
Loans and Advances Impared and Accumulated impairment by sectors	17,000,000	11,000,000	€ 12,000,000
Accumulated Impairment	€ (31,000,000)	€ (22,000,000)	€ (26,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	0.20%	0.10%	0.10%
Non-financial corporations
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 173,254,000,000	€ 170,182,000,000
Loans and Advances Impared and Accumulated impairment by sectors	8,467,000,000	8,372,000,000	€ 10,791,000,000
Accumulated Impairment	€ (6,465,000,000)	€ (6,260,000,000)	€ (7,538,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	4.90%	4.90%	6.30%
Agriculture Forestry And Fishing [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 3,758,000,000	€ 3,685,000,000
Loans and Advances Impared and Accumulated impairment by sectors	154,000,000	122,000,000	€ 166,000,000
Accumulated Impairment	€ (124,000,000)	€ (107,000,000)	€ (123,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	4.10%	3.30%	4.30%
Mining And Quarrying [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 4,669,000,000	€ 4,952,000,000
Loans and Advances Impared and Accumulated impairment by sectors	100,000,000	96,000,000	€ 177,000,000
Accumulated Impairment	€ (86,000,000)	€ (70,000,000)	€ (123,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	2.10%	1.90%	3.70%
Manufacturing [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 39,517,000,000	€ 36,772,000,000
Loans and Advances Impared and Accumulated impairment by sectors	1,711,000,000	1,695,000,000	€ 1,239,000,000
Accumulated Impairment	€ (1,242,000,000)	€ (1,134,000,000)	€ (955,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	4.30%	4.60%	3.60%
Electricity Gas [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 12,305,000,000	€ 13,853,000,000
Loans and Advances Impared and Accumulated impairment by sectors	684,000,000	585,000,000	€ 213,000,000
Accumulated Impairment	€ (575,000,000)	€ (446,000,000)	€ (289,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	5.60%	4.20%	1.80%
Water Supply [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 900,000,000	€ 1,061,000,000
Loans and Advances Impared and Accumulated impairment by sectors	14,000,000	19,000,000	€ 29,000,000
Accumulated Impairment	€ (16,000,000)	€ (15,000,000)	€ (11,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	1.60%	1.80%	4.50%
Construction [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 10,945,000,000	€ 11,899,000,000
Loans and Advances Impared and Accumulated impairment by sectors	1,377,000,000	1,488,000,000	€ 2,993,000,000
Accumulated Impairment	€ (876,000,000)	€ (1,007,000,000)	€ (1,708,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	12.60%	12.50%	20.10%
Whole sale And Retail Trade [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 27,467,000,000	€ 25,833,000,000
Loans and Advances Impared and Accumulated impairment by sectors	1,799,000,000	1,624,000,000	€ 1,706,000,000
Accumulated Impairment	€ (1,448,000,000)	€ (1,259,000,000)	€ (1,230,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	6.60%	6.30%	5.90%
Transport And Storage [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 9,638,000,000	€ 9,798,000,000
Loans and Advances Impared and Accumulated impairment by sectors	507,000,000	459,000,000	€ 441,000,000
Accumulated Impairment	€ (392,000,000)	€ (374,000,000)	€ (353,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	5.30%	4.70%	4.20%
Accommodation And Food Service Activies [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 8,703,000,000	€ 7,882,000,000
Loans and Advances Impared and Accumulated impairment by sectors	279,000,000	315,000,000	€ 362,000,000
Accumulated Impairment	€ (203,000,000)	€ (204,000,000)	€ (222,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	3.20%	4.00%	4.30%
Information And Communication [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 6,316,000,000	€ 5,238,000,000
Loans and Advances Impared and Accumulated impairment by sectors	95,000,000	113,000,000	€ 984,000,000
Accumulated Impairment	€ (65,000,000)	€ (72,000,000)	€ (256,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	1.50%	2.10%	17.00%
Financial and Insurance Activities [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 6,864,000,000	€ 6,929,000,000
Loans and Advances Impared and Accumulated impairment by sectors	191,000,000	147,000,000
Accumulated Impairment	€ (140,000,000)	€ (128,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	2.80%	2.10%
Real Estate Activities [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 19,435,000,000	€ 17,272,000,000
Loans and Advances Impared and Accumulated impairment by sectors	782,000,000	834,000,000	€ 1,171,000,000
Accumulated Impairment	€ (527,000,000)	€ (624,000,000)	€ (1,100,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	4.00%	4.80%	7.90%
Professional Scientific And Tecnical Activities [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 4,375,000,000	€ 5,096,000,000
Loans and Advances Impared and Accumulated impairment by sectors	167,000,000	204,000,000	€ 252,000,000
Accumulated Impairment	€ (140,000,000)	€ (171,000,000)	€ (183,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	3.80%	4.00%	3.80%
Administrative And Support Service Activities [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 3,415,000,000	€ 3,162,000,000
Loans and Advances Impared and Accumulated impairment by sectors	118,000,000	128,000,000	€ 188,000,000
Accumulated Impairment	€ (134,000,000)	€ (125,000,000)	€ (130,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	3.40%	4.00%	6.30%
Public Administration And Defense [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 282,000,000	€ 319,000,000
Loans and Advances Impared and Accumulated impairment by sectors	5,000,000	5,000,000	€ 4,000,000
Accumulated Impairment	€ (6,000,000)	€ (7,000,000)	€ (6,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	1.70%	1.60%	1.90%
Education [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 903,000,000	€ 912,000,000
Loans and Advances Impared and Accumulated impairment by sectors	41,000,000	31,000,000	€ 31,000,000
Accumulated Impairment	€ (38,000,000)	€ (31,000,000)	€ (25,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	4.50%	3.40%	3.40%
Human Health Services and Social Work Activities [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 4,696,000,000	€ 4,406,000,000
Loans and Advances Impared and Accumulated impairment by sectors	66,000,000	63,000,000	€ 75,000,000
Accumulated Impairment	€ (55,000,000)	€ (63,000,000)	€ (68,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	1.40%	1.40%	1.70%
Arts Enterntainment And Recreation [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 1,396,000,000	€ 1,323,000,000
Loans and Advances Impared and Accumulated impairment by sectors	47,000,000	59,000,000	€ 69,000,000
Accumulated Impairment	€ (39,000,000)	€ (41,000,000)	€ (38,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	3.40%	4.50%	4.60%
Other Services [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 7,671,000,000	€ 9,791,000,000
Loans and Advances Impared and Accumulated impairment by sectors	331,000,000	386,000,000	€ 690,000,000
Accumulated Impairment	€ (360,000,000)	€ (382,000,000)	€ (716,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	4.30%	3.90%	4.30%
Households [Member]
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 181,989,000,000	€ 178,355,000,000
Loans and Advances Impared and Accumulated impairment by sectors	7,381,000,000	7,838,000,000	€ 8,417,000,000
Accumulated Impairment	€ (5,847,000,000)	€ (5,833,000,000)	€ (5,073,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	4.10%	4.40%	4.70%
Total Member
Risk Management Loans And Advances Sectors [Line Items]
Gross value financial assets impaired	€ 412,711,000,000	€ 399,347,000,000
Loans and Advances Impared and Accumulated impairment by sectors	15,959,000,000	16,359,000,000	€ 19,401,000,000
Accumulated Impairment	€ (12,427,000,000)	€ (12,217,000,000)	€ (12,784,000,000)
Percentage of Loans and Advances Impared and Accumulated impairment by sectors	3.90%	4.10%	4.50%

Note 7 - Risk Management - Reco

Note 7 - Risk Management - Reconciliation Of Changes In Impairment (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Risk Management Abstract
Financial Assets at the beginning		€ 17,134,000,000	€ 20,590,000,000	€ 23,877,000,000
Increase Decrease In Financial Assets Abstract
Additions Of Impaired Assets		9,857,000,000	9,792,000,000	10,856,000,000
Decrease Of Impaired Assets	[1]	(5,874,000,000)	(6,909,000,000)	(7,771,000,000)
Net Additions Of Impaired Assets		3,983,000,000	2,883,000,000	3,085,000,000
Decrease Through Write off Financial Assets		(3,803,000,000)	(5,076,000,000)	(5,758,000,000)
Increase Decrease Through Foreign Exchange And Other Movements Financial Assets		(544,000,000)	(1,264,000,000)	(615,000,000)
Financial Assets at the end		€ 16,770,000,000	€ 17,134,000,000	€ 20,590,000,000
[1]	(*) Reflects the total amount of impaired loans derecognized from the consolidated balance sheet throughout the year as a result of mortgag e foreclosures and real estate assets received in lieu of payment as well as monetary recoveries (see Note 21).

Note 7 - Risk Management - Re_2

Note 7 - Risk Management - Reconciliation Of Changes In Written-Off Assets (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Risk Management Abstract
Financial Assets Written Off During Reporting Period And Still Subject To Enforcement Activity Contractual Amount Outstanding at the beginning		€ 32,343,000,000	€ 30,139,000,000	€ 29,347,000,000
Changes In Written Off Assets Abstract
Increase Acquisition Of Subsidiaries Written Off Assets		0	0	0
Increase Written Off Assets		4,712,000,000	6,164,000,000	5,986,000,000
Decrease Written Off Assets		(11,039,000,000)	(4,210,000,000)	(4,442,000,000)
Decrease Through Refinancing Written Off Assets		(2,000,000)	(10,000,000)	(9,000,000)
Recovery of written-off assets		(919,000,000)	(589,000,000)	(558,000,000)
Decrease Foreclosed Assets Written Off Assets		(617,000,000)	(625,000,000)	(149,000,000)
Sales Written Off Assets	[1]	(8,325,000,000)	(1,805,000,000)	(2,284,000,000)
Debt Forgiveness Written Off Assets		(493,000,000)	(889,000,000)	(1,121,000,000)
Time Barred Assets Written Off Assets		(682,000,000)	(292,000,000)	(321,000,000)
Net Exchange Differences Written Off Assets		230,000,000	250,000,000	(752,000,000)
Financial Assets Written Off During Reporting Period And Still Subject To Enforcement Activity Contractual Amount Outstanding at the end		€ 26,245,000,000	€ 32,343,000,000	€ 30,139,000,000
[1]	(*) Includes principal and interest.

Note 7 - Risk Management - Impa

Note 7 - Risk Management - Impairment Losses Reconciliations I (Details)	12 Months Ended
	Dec. 31, 2018EUR (€)
Loss Allowances [Member] | Total Member
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Opening Balance (under IFRS 9)	€ (13,960,000,000)
Loss Allowances [Member] | Financial Assets At Amortised Cost Member | Total Member
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Opening Balance (under IFRS 9)	(13,960,000,000)
Changes in Provisions Recognized to Cover Impairment Losses in Loans and Advances After First Implementation Adjustment of IFRS 9 Abstract
Transfers from Stage 1 to Stage 2 (not credit impaired)	(940,000,000)
Transfers from Stage 2 to Stage 1 (not credit impaired)	544,000,000
Transfers To Stage 3	(1,226,000,000)
Transfers from Stage 3 to Stage 1 or 2	132,000,000
Changes without transfers between stages	(3,730,000,000)
New financial assets originated	(1,692,000,000)
Purchased	0
Disposals	115,000,000
Repayments	2,623,000,000
Writte-offs	4,461,000,000
Changes in model	0
Foreign Exchange	239,000,000
Derecognition	138,000,000
Decrease through other that do not result in derecognition	(366,000,000)
Other impairment losses	1,399,000,000
Closing Balance (under IFRS 9)	(12,264,000,000)
Stage 1 [Member] | Loss Allowances [Member] | Financial Assets At Amortised Cost Member | Not credit impaired
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Opening Balance (under IFRS 9)	(2,237,000,000)
Changes in Provisions Recognized to Cover Impairment Losses in Loans and Advances After First Implementation Adjustment of IFRS 9 Abstract
Transfers from Stage 1 to Stage 2 (not credit impaired)	208,000,000
Transfers from Stage 2 to Stage 1 (not credit impaired)	(125,000,000)
Transfers To Stage 3	55,000,000
Transfers from Stage 3 to Stage 1 or 2	(7,000,000)
Changes without transfers between stages	358,000,000
New financial assets originated	(1,072,000,000)
Purchased	0
Disposals	2,000,000
Repayments	641,000,000
Writte-offs	13,000,000
Changes in model	0
Foreign Exchange	(84,000,000)
Derecognition	5,000,000
Decrease through other that do not result in derecognition	3,000,000
Other impairment losses	135,000,000
Closing Balance (under IFRS 9)	(2,106,000,000)
Stage 2 [Member] | Loss Alowances collectively Assessed [Member] | Financial Assets At Amortised Cost Member | Not credit impaired
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Opening Balance (under IFRS 9)	(1,827,000,000)
Changes in Provisions Recognized to Cover Impairment Losses in Loans and Advances After First Implementation Adjustment of IFRS 9 Abstract
Transfers from Stage 1 to Stage 2 (not credit impaired)	(930,000,000)
Transfers from Stage 2 to Stage 1 (not credit impaired)	619,000,000
Transfers To Stage 3	282,000,000
Transfers from Stage 3 to Stage 1 or 2	(126,000,000)
Changes without transfers between stages	(53,000,000)
New financial assets originated	(375,000,000)
Purchased	0
Disposals	3,000,000
Repayments	432,000,000
Writte-offs	14,000,000
Changes in model	0
Foreign Exchange	72,000,000
Derecognition	10,000,000
Decrease through other that do not result in derecognition	(8,000,000)
Other impairment losses	133,000,000
Closing Balance (under IFRS 9)	(1,753,000,000)
Stage 2 [Member] | Loss Alowances Individually Assessed [Member] | Financial Assets At Amortised Cost Member | Not credit impaired
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Opening Balance (under IFRS 9)	(525,000,000)
Changes in Provisions Recognized to Cover Impairment Losses in Loans and Advances After First Implementation Adjustment of IFRS 9 Abstract
Transfers from Stage 1 to Stage 2 (not credit impaired)	(218,000,000)
Transfers from Stage 2 to Stage 1 (not credit impaired)	50,000,000
Transfers To Stage 3	564,000,000
Transfers from Stage 3 to Stage 1 or 2	(68,000,000)
Changes without transfers between stages	(260,000,000)
New financial assets originated	(244,000,000)
Purchased	0
Disposals	0
Repayments	118,000,000
Writte-offs	2,000,000
Changes in model	0
Foreign Exchange	(93,000,000)
Derecognition	25,000,000
Decrease through other that do not result in derecognition	1,000,000
Other impairment losses	20,000,000
Closing Balance (under IFRS 9)	(628,000,000)
Stage 3 Credit-Impaired [Member] | Loss Allowances [Member] | Financial Assets At Amortised Cost Member | Credit impaired
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Opening Balance (under IFRS 9)	(9,371,000,000)
Changes in Provisions Recognized to Cover Impairment Losses in Loans and Advances After First Implementation Adjustment of IFRS 9 Abstract
Transfers from Stage 1 to Stage 2 (not credit impaired)	0
Transfers from Stage 2 to Stage 1 (not credit impaired)	0
Transfers To Stage 3	(2,127,000,000)
Transfers from Stage 3 to Stage 1 or 2	333,000,000
Changes without transfers between stages	(3,775,000,000)
New financial assets originated	0
Purchased	0
Disposals	110,000,000
Repayments	1,432,000,000
Writte-offs	4,433,000,000
Changes in model	0
Foreign Exchange	343,000,000
Derecognition	98,000,000
Decrease through other that do not result in derecognition	(362,000,000)
Other impairment losses	1,111,000,000
Closing Balance (under IFRS 9)	€ (7,777,000,000)

Note 7 - Risk Management - Im_2

Note 7 - Risk Management - Impairment Losses Reconciliations II (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Recovery of written-off assets		€ (919,000,000)	€ (589,000,000)	€ (558,000,000)
Expected Credit Losses Individually and Collective Assessed [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			(8,703,000,000)	(10,937,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[1]			(7,484,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[1]			2,878,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[1]			4,503,000,000
Transfers Between Allowances	[1]			1,810,000,000
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[1]			526,000,000
Allowance Account For Credit Losses Of Financial Assets at the end				(8,703,000,000)
Recovery of written-off assets	[2]			558,000,000
Expected Credit Losses Individually and Collective Assessed [Member] | Debt Securities [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			(28,000,000)	(144,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[3]			(26,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[3]			6,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[3]			0
Transfers Between Allowances	[3]			123,000,000
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[3]			13,000,000
Allowance Account For Credit Losses Of Financial Assets at the end				(28,000,000)
Recovery of written-off assets	[4]			0
Expected Credit Losses Individually and Collective Assessed [Member] | Debt Securities [Member] | Central Banks [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			0	0
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[3]			0
Reversal Allowance Account For Credit Losses Of Financial Assets	[3]			0
Utilisation Allowance Account For Credit Losses Of Financial Assets	[3]			0
Transfers Between Allowances	[3]			0
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[3]			0
Allowance Account For Credit Losses Of Financial Assets at the end				0
Recovery of written-off assets	[4]			0
Expected Credit Losses Individually and Collective Assessed [Member] | Debt Securities [Member] | General Government [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			0	0
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[3]			0
Reversal Allowance Account For Credit Losses Of Financial Assets	[3]			0
Utilisation Allowance Account For Credit Losses Of Financial Assets	[3]			0
Transfers Between Allowances	[3]			0
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[3]			0
Allowance Account For Credit Losses Of Financial Assets at the end				0
Recovery of written-off assets	[4]			0
Expected Credit Losses Individually and Collective Assessed [Member] | Debt Securities [Member] | Credit Institutions [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			0	(15,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[3]			(5,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[3]			4,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[3]			0
Transfers Between Allowances	[3]			16,000,000
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[3]			0
Allowance Account For Credit Losses Of Financial Assets at the end				0
Recovery of written-off assets	[4]			0
Expected Credit Losses Individually and Collective Assessed [Member] | Debt Securities [Member] | Other Financial Institutions [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			(16,000,000)	(26,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[3]			(4,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[3]			2,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[3]			0
Transfers Between Allowances	[3]			0
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[3]			13,000,000
Allowance Account For Credit Losses Of Financial Assets at the end				(16,000,000)
Recovery of written-off assets	[4]			0
Expected Credit Losses Individually and Collective Assessed [Member] | Debt Securities [Member] | Corporate Entities [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			(12,000,000)	(103,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[3]			(17,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[3]			0
Utilisation Allowance Account For Credit Losses Of Financial Assets	[3]			0
Transfers Between Allowances	[3]			107,000,000
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[3]			0
Allowance Account For Credit Losses Of Financial Assets at the end				(12,000,000)
Recovery of written-off assets	[4]			0
Expected Credit Losses Individually and Collective Assessed [Member] | Loans and receivables [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			(8,675,000,000)	(10,793,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[5]			(7,458,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[5]			2,872,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[5]			4,503,000,000
Transfers Between Allowances	[5]			1,687,000,000
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[5]			513,000,000
Allowance Account For Credit Losses Of Financial Assets at the end				(8,675,000,000)
Recovery of written-off assets	[6]			558,000,000
Expected Credit Losses Individually and Collective Assessed [Member] | Loans and receivables [Member] | Central Banks [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			0	0
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[5]			0
Reversal Allowance Account For Credit Losses Of Financial Assets	[5]			0
Utilisation Allowance Account For Credit Losses Of Financial Assets	[5]			0
Transfers Between Allowances	[5]			0
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[5]			0
Allowance Account For Credit Losses Of Financial Assets at the end				0
Recovery of written-off assets	[6]			0
Expected Credit Losses Individually and Collective Assessed [Member] | Loans and receivables [Member] | General Government [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			(42,000,000)	(39,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[5]			(70,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[5]			37,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[5]			14,000,000
Transfers Between Allowances	[5]			1,000,000
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[5]			15,000,000
Allowance Account For Credit Losses Of Financial Assets at the end				(42,000,000)
Recovery of written-off assets	[6]			1,000,000
Expected Credit Losses Individually and Collective Assessed [Member] | Loans and receivables [Member] | Credit Institutions [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			(6,000,000)	(7,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[5]			(2,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[5]			2,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[5]			0
Transfers Between Allowances	[5]			0
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[5]			1,000,000
Allowance Account For Credit Losses Of Financial Assets at the end				(6,000,000)
Recovery of written-off assets	[6]			0
Expected Credit Losses Individually and Collective Assessed [Member] | Loans and receivables [Member] | Other Financial Institutions [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			(7,000,000)	(25,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[5]			(287,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[5]			3,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[5]			38,000,000
Transfers Between Allowances	[5]			227,000,000
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[5]			38,000,000
Allowance Account For Credit Losses Of Financial Assets at the end				(7,000,000)
Recovery of written-off assets	[6]			0
Expected Credit Losses Individually and Collective Assessed [Member] | Loans and receivables [Member] | Corporate Entities [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			(5,599,000,000)	(7,402,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[5]			(3,627,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[5]			1,993,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[5]			3,029,000,000
Transfers Between Allowances	[5]			(228,000,000)
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[5]			636,000,000
Allowance Account For Credit Losses Of Financial Assets at the end				(5,599,000,000)
Recovery of written-off assets	[6]			345,000,000
Expected Credit Losses Individually and Collective Assessed [Member] | Loans and receivables [Member] | Households [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			(3,022,000,000)	(3,319,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[5]			(3,472,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[5]			837,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[5]			1,422,000,000
Transfers Between Allowances	[5]			1,687,000,000
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[5]			(177,000,000)
Allowance Account For Credit Losses Of Financial Assets at the end				(3,022,000,000)
Recovery of written-off assets	[6]			212,000,000
Collective Allowance Incurred But Not Recognized [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			(4,130,000,000)	(5,270,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Allowance Account For Credit Losses Of Financial Assets at the end				(4,130,000,000)
Collective Allowance Incurred But Not Recognized [Member] | Debt Securities [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			(21,000,000)	(46,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[7]			(8,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[7]			30,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[7]			1,000,000
Transfers Between Allowances	[7]			0
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[7]			3,000,000
Allowance Account For Credit Losses Of Financial Assets at the end				(21,000,000)
Recovery of written-off assets	[8]			0
Collective Allowance Incurred But Not Recognized [Member] | Loans and receivables [Member]
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning			€ (4,109,000,000)	(5,224,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[9]			(1,776,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[9]			2,128,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[9]			1,536,000,000
Transfers Between Allowances	[9]			(1,328,000,000)
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[9]			554,000,000
Allowance Account For Credit Losses Of Financial Assets at the end				(4,109,000,000)
Recovery of written-off assets	[10]			0
Total Member
Reconciliation Of Changes In Allowance Account Fo rCredit Losses Of Financial Assets Line Items
Allowance Account For Credit Losses Of Financial Assets at the beginning				(16,206,000,000)
Changes In Allowance Account For Credit Losses Of Financial Assets Abstract
Additional Allowance Recognised In Profit Or Loss Allowance Account For Credit Losses Of Financial Assets	[11]			(9,267,000,000)
Reversal Allowance Account For Credit Losses Of Financial Assets	[11]			5,037,000,000
Utilisation Allowance Account For Credit Losses Of Financial Assets	[11]			6,038,000,000
Transfers Between Allowances	[11]			482,000,000
Increase Decrease Through Other Changes Allowance Account For Credit Losses Of Financial Assets	[11]			1,083,000,000
Recovery of written-off assets	[12]			€ 558,000,000
[1]	(*) Figures originally reported in the year 2017 in accordan ce to the applicable regulation .
[2]	(*) Figures originally reported in the year 2017 in accordan ce to the applicable regulation .
[3]	(*) Figures originally reported in the year 2017 in accordan ce to the applicable regulation .
[4]	(*) Figures originally reported in the year 2017 in accordan ce to the applicable regulation .
[5]	(*) Figures originally reported in the year 2017 in accordan ce to the applicable regulation .
[6]	(*) Figures originally reported in the year 2017 in accordan ce to the applicable regulation .
[7]	(*) Figures originally reported in the year 2017 in accordan ce to the applicable regulation .
[8]	(*) Figures originally reported in the year 2017 in accordan ce to the applicable regulation .
[9]	(*) Figures originally reported in the year 2017 in accordan ce to the applicable regulation .
[10]	(*) Figures originally reported in the year 2017 in accordan ce to the applicable regulation .
[11]	(*) Figures originally reported in the year 2017 in accordan ce to the applicable regulation .
[12]	(*) Figures originally reported in the year 2017 in accordan ce to the applicable regulation .

Note 7 - Risk Management - Head

Note 7 - Risk Management - Headings Of Balance under Market Risk (Details) - EUR (€)	Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
Financial Assets Held For Trading [Member]
Headings Of Balance under Market Risk Line Items
Amount Of The Balance Sheet Under VaR	€ 96,461,000,000		€ 114,156,000,000		€ 59,008,000,000
Amount Of The Balance Sheet Other Metric Market Risk	1,671,000,000	[1]	124,000,000	[2]	441,000,000	[3]
Financial Assets At Fair Value Through Other Comprehensive Income [Member]
Headings Of Balance under Market Risk Line Items
Amount Of The Balance Sheet Under VaR	7,089,000,000		5,652,000,000		5,661,000,000
Amount Of The Balance Sheet Other Metric Market Risk	24,691,000,000	[1]	19,125,000,000	[2]	24,083,000,000	[3]
Of Which Equity Instruments [Member]
Headings Of Balance under Market Risk Line Items
Amount Of The Balance Sheet Under VaR	0		0		0
Amount Of The Balance Sheet Other Metric Market Risk	1,783,000,000	[1]	2,046,000,000	[2]	2,404,000,000	[3]
Hedging Derivatives Assets [Member]
Headings Of Balance under Market Risk Line Items
Amount Of The Balance Sheet Under VaR	628,000,000		688,000,000		829,000,000
Amount Of The Balance Sheet Other Metric Market Risk	840,000,000	[1]	1,061,000,000	[2]	1,397,000,000	[3]
Financial Liabilities Held For Trading [Member]
Headings Of Balance under Market Risk Line Items
Amount Of The Balance Sheet Under VaR	74,967,000,000		67,859,000,000		42,468,000,000
Amount Of The Balance Sheet Other Metric Market Risk	12,677,000,000	[1]	11,011,000,000	[2]	2,526,000,000	[3]
Hedging Derivatives Liabilities [Member]
Headings Of Balance under Market Risk Line Items
Amount Of The Balance Sheet Under VaR	671,000,000		550,000,000		1,157,000,000
Amount Of The Balance Sheet Other Metric Market Risk	€ 1,183,000,000	[1]	€ 910,000,000	[2]	€ 638,000,000	[3]
[1]	(*) Includes mainly assets and liabilities managed by ALCO.
[2]	(*) Includes mainly assets and liabilities managed by ALCO.
[3]	(*) Includes mainly assets and liabilities managed by ALCO.

Note 7 - Risk Management - Mark

Note 7 - Risk Management - Market Risk (Details) - EUR (€)	Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
Interest Rate Risk Member | Weighted average [Member]
Breakdown Of Var Line Items
Value At Risk	€ 21,000,000		€ 20,000,000		€ 25,000,000
Interest Rate Risk Member | Maximum Member
Breakdown Of Var Line Items
Value At Risk	28,000,000		23,000,000		27,000,000
Interest Rate Risk Member | Minimum [Member]
Breakdown Of Var Line Items
Value At Risk	13,000,000		17,000,000		23,000,000
Interest Rate Risk Member | Var At The End Of The Period [Member]
Breakdown Of Var Line Items
Value At Risk	24,000,000		19,000,000		23,000,000
Currency Risk Member | Weighted average [Member]
Breakdown Of Var Line Items
Value At Risk	6,000,000		6,000,000		10,000,000
Currency Risk Member | Maximum Member
Breakdown Of Var Line Items
Value At Risk	6,000,000		7,000,000		11,000,000
Currency Risk Member | Minimum [Member]
Breakdown Of Var Line Items
Value At Risk	5,000,000		6,000,000		7,000,000
Currency Risk Member | Var At The End Of The Period [Member]
Breakdown Of Var Line Items
Value At Risk	5,000,000		5,000,000		7,000,000
Stock Market Risk [Member] | Weighted average [Member]
Breakdown Of Var Line Items
Value At Risk	4,000,000		4,000,000		3,000,000
Stock Market Risk [Member] | Maximum Member
Breakdown Of Var Line Items
Value At Risk	3,000,000		6,000,000		2,000,000
Stock Market Risk [Member] | Minimum [Member]
Breakdown Of Var Line Items
Value At Risk	5,000,000		4,000,000		4,000,000
Stock Market Risk [Member] | Var At The End Of The Period [Member]
Breakdown Of Var Line Items
Value At Risk	5,000,000		3,000,000		4,000,000
Vega Correlation Risk [Member] | Weighted average [Member]
Breakdown Of Var Line Items
Value At Risk	9,000,000		9,000,000		13,000,000
Vega Correlation Risk [Member] | Maximum Member
Breakdown Of Var Line Items
Value At Risk	9,000,000		11,000,000		12,000,000
Vega Correlation Risk [Member] | Minimum [Member]
Breakdown Of Var Line Items
Value At Risk	9,000,000		7,000,000		14,000,000
Vega Correlation Risk [Member] | Var At The End Of The Period [Member]
Breakdown Of Var Line Items
Value At Risk	8,000,000		7,000,000		14,000,000
Diversification Effect Member | Weighted average [Member]
Breakdown Of Var Line Items
Value At Risk	(20,000,000)	[1]	(20,000,000)	[2]	(23,000,000)	[3]
Diversification Effect Member | Maximum Member
Breakdown Of Var Line Items
Value At Risk	(21,000,000)	[1]	(21,000,000)	[2]	(19,000,000)	[3]
Diversification Effect Member | Minimum [Member]
Breakdown Of Var Line Items
Value At Risk	(18,000,000)	[1]	(18,000,000)	[2]	(26,000,000)	[3]
Diversification Effect Member | Var At The End Of The Period [Member]
Breakdown Of Var Line Items
Value At Risk	(22,000,000)	[1]	(17,000,000)	[2]	(26,000,000)	[3]
Total Member | Weighted average [Member]
Breakdown Of Var Line Items
Value At Risk	19,000,000		21,000,000		27,000,000
Total Member | Maximum Member
Breakdown Of Var Line Items
Value At Risk	25,000,000		26,000,000		34,000,000
Total Member | Minimum [Member]
Breakdown Of Var Line Items
Value At Risk	14,000,000		16,000,000		22,000,000
Total Member | Var At The End Of The Period [Member]
Breakdown Of Var Line Items
Value At Risk	€ 20,000,000		€ 17,000,000		€ 22,000,000
[1]	(*) The div ersification effect is the difference between the sum of the average individual risk factors and the total VaR figure that includes the implied correlation between all the variables and scenarios used in the measurement.
[2]	(*) The div ersification effect is the difference between the sum of the average individual risk factors and the total VaR figure that includes the implied correlation between all the variables and scenarios used in the measurement.
[3]	(*) The div ersification effect is the difference between the sum of the average individual risk factors and the total VaR figure that includes the implied correlation between all the variables and scenarios used in the measurement.

Note 7 - Risk Management - Simu

Note 7 - Risk Management - Simulated Scenarios (Details)	Dec. 31, 2019EUR (€)
Europe [Member]
Breakdown levels of VaR Line Items
Value At Risk	€ (112,000,000)
Mexico [Member]
Breakdown levels of VaR Line Items
Value At Risk	(68,000,000)
Peru [Member]
Breakdown levels of VaR Line Items
Value At Risk	(23,000,000)
Venezuela [Member]
Breakdown levels of VaR Line Items
Value At Risk	0
Argetina [Member]
Breakdown levels of VaR Line Items
Value At Risk	(4,000,000)
Colombia [Member]
Breakdown levels of VaR Line Items
Value At Risk	(5,000,000)
Turkey [Member]
Breakdown levels of VaR Line Items
Value At Risk	(9,000,000)
United States [Member]
Breakdown levels of VaR Line Items
Value At Risk	€ (3,000,000)

Note 7 - Risk Management - Ma_2

Note 7 - Risk Management - Market Risk Sensitivity Analysis (Details)	12 Months Ended
	Dec. 31, 2019
Europe [Member] | 100 Basic Point Increase [Member]
Market Risk Sensitivity Analysis Line Items
Perectage Impact On Net Interest Income	+ (5% - 10%)	[1],[2]
Perectage Impact On Net Economic Value	+ (0% - 5%)	[3],[4]
Europe [Member] | 100 Basic Point Decrease [Member]
Market Risk Sensitivity Analysis Line Items
Perectage Impact On Net Interest Income	- (0% - 5%)	[1],[2]
Perectage Impact On Net Economic Value	- (0% - 5%)	[3],[4]
Mexico [Member] | 100 Basic Point Increase [Member]
Market Risk Sensitivity Analysis Line Items
Perectage Impact On Net Interest Income	+ (0% - 5%)	[1]
Perectage Impact On Net Economic Value	+ (0% - 5%)	[3]
Mexico [Member] | 100 Basic Point Decrease [Member]
Market Risk Sensitivity Analysis Line Items
Perectage Impact On Net Interest Income	- (0% - 5%)	[1]
Perectage Impact On Net Economic Value	- (0% - 5%)	[3]
United States [Member] | 100 Basic Point Increase [Member]
Market Risk Sensitivity Analysis Line Items
Perectage Impact On Net Interest Income	+ (5% - 10%)	[1]
Perectage Impact On Net Economic Value	- (5% - 10%)	[3]
United States [Member] | 100 Basic Point Decrease [Member]
Market Risk Sensitivity Analysis Line Items
Perectage Impact On Net Interest Income	- (5% - 10%)	[1]
Perectage Impact On Net Economic Value	+ (0% - 5%)	[3]
Turkey [Member] | 100 Basic Point Increase [Member]
Market Risk Sensitivity Analysis Line Items
Perectage Impact On Net Interest Income	+ (0% - 5%)	[1]
Perectage Impact On Net Economic Value	- (0% - 5%)	[3]
Turkey [Member] | 100 Basic Point Decrease [Member]
Market Risk Sensitivity Analysis Line Items
Perectage Impact On Net Interest Income	- (0% - 5%)	[1]
Perectage Impact On Net Economic Value	+ (0% - 5%)	[3]
South America [Member] | 100 Basic Point Increase [Member]
Market Risk Sensitivity Analysis Line Items
Perectage Impact On Net Interest Income	+ (0% - 5%)	[1]
Perectage Impact On Net Economic Value	- (0% - 5%)	[3]
South America [Member] | 100 Basic Point Decrease [Member]
Market Risk Sensitivity Analysis Line Items
Perectage Impact On Net Interest Income	- (0% - 5%)	[1]
Perectage Impact On Net Economic Value	+ (0% - 5%)	[3]
BBVA Group [Member] | 100 Basic Point Increase [Member]
Market Risk Sensitivity Analysis Line Items
Perectage Impact On Net Interest Income	+ (0% - 5%)	[1]
Perectage Impact On Net Economic Value	- (0% - 5%)	[3]
BBVA Group [Member] | 100 Basic Point Decrease [Member]
Market Risk Sensitivity Analysis Line Items
Perectage Impact On Net Interest Income	- (0% - 5%)	[1]
Perectage Impact On Net Economic Value	- (0% - 5%)	[3]
[1]	(*) Percentage of "1 year" net interest income forecast for each unit.
[2]	(***) In Europe , includes falling interest rates at more negative level than current rates.
[3]	(**) Percentage of Core Capital for each unit.
[4]	(***) In Europe , includes falling interest rates at more negative level than current rates.

Note 7 - Risk Management - Fina

Note 7 - Risk Management - Financial Instruments Compensation - Financial Assets (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Derivatives [Member]
Net Financial Assets Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements In Statement Of Financial Position Abstract
Gross Financial Assets Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements	€ 37,302,000,000	€ 49,908,000,000	€ 49,333,000,000
Gross Financial Liabilities Set Off Against Financial Assets Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements	2,388,000,000	16,480,000,000	11,584,000,000
Net Financial Assets Subject To Offsetting Enforceable Master Netting Arrangements Or Similar Agreements In Statement Of Financial Position	34,914,000,000	33,428,000,000	37,749,000,000
Amounts Subject To Enforceable Master Netting Arrangement Or Similar Agreement Not Set Off Against Financial Assets Abstract
Financial assets subject to enforceable master netting arrangement or similar agreement not set off against financial assets	25,973,000,000	25,024,000,000	27,106,000,000
Cash collateral receives subject to off setting enforceable master netting arrangements or similar agreements not set off against financial assets	8,210,000,000	7,790,000,000	7,442,000,000
Net assets subject to off setting enforceable master netting arrangements or similar agreements	731,000,000	613,000,000	3,202,000,000
Reverse Purchase Securities Borrowing And Similar Agreements [Member]
Net Financial Assets Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements In Statement Of Financial Position Abstract
Gross Financial Assets Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements	35,805,000,000	28,074,000,000	26,426,000,000
Gross Financial Liabilities Set Off Against Financial Assets Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements	21,000,000	42,000,000	56,000,000
Net Financial Assets Subject To Offsetting Enforceable Master Netting Arrangements Or Similar Agreements In Statement Of Financial Position	35,784,000,000	28,032,000,000	26,369,000,000
Amounts Subject To Enforceable Master Netting Arrangement Or Similar Agreement Not Set Off Against Financial Assets Abstract
Financial assets subject to enforceable master netting arrangement or similar agreement not set off against financial assets	35,618,000,000	28,022,000,000	26,612,000,000
Cash collateral receives subject to off setting enforceable master netting arrangements or similar agreements not set off against financial assets	204,000,000	169,000,000	141,000,000
Net assets subject to off setting enforceable master netting arrangements or similar agreements	(39,000,000)	(159,000,000)	(384,000,000)
Total Member
Net Financial Assets Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements In Statement Of Financial Position Abstract
Gross Financial Assets Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements	73,107,000,000	77,982,000,000	75,759,000,000
Gross Financial Liabilities Set Off Against Financial Assets Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements	2,409,000,000	16,522,000,000	11,641,000,000
Net Financial Assets Subject To Offsetting Enforceable Master Netting Arrangements Or Similar Agreements In Statement Of Financial Position	70,698,000,000	61,460,000,000	64,118,000,000
Amounts Subject To Enforceable Master Netting Arrangement Or Similar Agreement Not Set Off Against Financial Assets Abstract
Financial assets subject to enforceable master netting arrangement or similar agreement not set off against financial assets	61,591,000,000	53,046,000,000	53,717,000,000
Cash collateral receives subject to off setting enforceable master netting arrangements or similar agreements not set off against financial assets	8,415,000,000	7,959,000,000	7,583,000,000
Net assets subject to off setting enforceable master netting arrangements or similar agreements	€ 692,000,000	€ 454,000,000	€ 2,818,000,000

Note 7 - Risk Management - Fi_2

Note 7 - Risk Management - Financial Instruments Compensation - Financial Liabilities (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Derivatives [Member]
Net Financial liabilities Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements In Statement Of Financial Position Abstract
Gross Financial liabilities Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements	€ 39,646,000,000	€ 51,596,000,000	€ 50,693,000,000
Gross Financial Liabilities Set Off Against Financial liabilities Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements	2,394,000,000	17,101,000,000	11,644,000,000
Net Financial liabilities Subject To Offsetting Enforceable Master Netting Arrangements Or Similar Agreements In Statement Of Financial Position	37,252,000,000	34,494,000,000	39,049,000,000
Amounts Subject To Enforceable Master Netting Arrangement Or Similar Agreement Not Set Off Against Financial liabilities Abstract
Financial liabilities subject to enforceable master netting arrangement or similar agreement not set off against financial liabilities	25,973,000,000	25,024,000,000	27,106,000,000
Cash collateral receives subjectto off setting enforceable master netting arrangements or similar agreements not set off against financial liabilities	10,613,000,000	6,788,000,000	8,328,000,000
Net liabilities subject to off setting enforceable master netting arrangements or similar agreements	667,000,000	2,682,000,000	3,615,000,000
Reverse Purchase Securities Borrowing And Similar Agreements [Member]
Net Financial liabilities Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements In Statement Of Financial Position Abstract
Gross Financial liabilities Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements	45,977,000,000	43,035,000,000	40,134,000,000
Gross Financial Liabilities Set Off Against Financial liabilities Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements	21,000,000	42,000,000	56,000,000
Net Financial liabilities Subject To Offsetting Enforceable Master Netting Arrangements Or Similar Agreements In Statement Of Financial Position	45,956,000,000	42,993,000,000	40,078,000,000
Amounts Subject To Enforceable Master Netting Arrangement Or Similar Agreement Not Set Off Against Financial liabilities Abstract
Financial liabilities subject to enforceable master netting arrangement or similar agreement not set off against financial liabilities	45,239,000,000	42,877,000,000	40,158,000,000
Cash collateral receives subjectto off setting enforceable master netting arrangements or similar agreements not set off against financial liabilities	420,000,000	34,000,000	21,000,000
Net liabilities subject to off setting enforceable master netting arrangements or similar agreements	297,000,000	82,000,000	(101,000,000)
Total Member
Net Financial liabilities Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements In Statement Of Financial Position Abstract
Gross Financial liabilities Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements	85,623,000,000	94,631,000,000	90,827,000,000
Gross Financial Liabilities Set Off Against Financial liabilities Subject To Off setting Enforceable Master Netting Arrangements Or Similar Agreements	2,414,000,000	17,143,000,000	11,701,000,000
Net Financial liabilities Subject To Offsetting Enforceable Master Netting Arrangements Or Similar Agreements In Statement Of Financial Position	83,209,000,000	77,487,000,000	79,126,000,000
Amounts Subject To Enforceable Master Netting Arrangement Or Similar Agreement Not Set Off Against Financial liabilities Abstract
Financial liabilities subject to enforceable master netting arrangement or similar agreement not set off against financial liabilities	71,212,000,000	67,901,000,000	67,264,000,000
Cash collateral receives subjectto off setting enforceable master netting arrangements or similar agreements not set off against financial liabilities	11,033,000,000	6,822,000,000	8,349,000,000
Net liabilities subject to off setting enforceable master netting arrangements or similar agreements	€ 964,000,000	€ 2,765,000,000	€ 3,514,000,000

Note 7 - Risk Management -Liqui

Note 7 - Risk Management -Liquidity Risk - Liquidity Coverage Ratio (LCR) (Details)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
LCR Line Items
Average LCR		129.00%	127.00%	128.00%
BBVA Eurozone [Member]
LCR Line Items
Average LCR		147.00%	145.00%	151.00%
BBVA Bancomer [Member]
LCR Line Items
Average LCR		147.00%	154.00%	148.00%
BBVA USA [Member]
LCR Line Items
Average LCR	[1]	145.00%	143.00%	144.00%
Garanti Bank [Member]
LCR Line Items
Average LCR		206.00%	209.00%	134.00%
[1]	(*) BBVA USA LCR calculated according to local regulation (Fed Modified LCR).

Note 7 - Risk Management -Liq_2

Note 7 - Risk Management -Liquidity Risk - Loans to Stable Customer Deposits (LtSCD) (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
LtSCD Line Items
Average LtSCD	108%	106%	110%
BBVA Eurozone [Member]
LtSCD Line Items
Average LtSCD	108%	101%	108%
BBVA Bancomer [Member]
LtSCD Line Items
Average LtSCD	116%	114%	109%
Compass [Member]
LtSCD Line Items
Average LtSCD	111%	119%	109%
Garanti Bank [Member]
LtSCD Line Items
Average LtSCD	99%	110%	122%
Other LMU [Member]
LtSCD Line Items
Average LtSCD	103%	99%	108%

Note 7 - Risk Management -Liq_3

Note 7 - Risk Management -Liquidity Risk - Available Liquidity By LMU (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2017
BBVA Eurozone Member [Member] | Cash And Balances With Central Banks Member [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	€ 14,516,000,000	€ 26,506,000,000		€ 15,634,000,000	[1]
BBVA Eurozone Member [Member] | Level 1 tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	41,961,000,000	29,938,000,000		38,954,000,000	[1]
BBVA Eurozone Member [Member] | Level 2A tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	403,000,000	449,000,000		386,000,000	[1]
BBVA Eurozone Member [Member] | Level 2B tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	5,196,000,000	4,040,000,000		4,995,000,000	[1]
BBVA Eurozone Member [Member] | Other Non Eligible Liquid Assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	22,213,000,000	8,772,000,000	[2]	10,192,000,000	[1],[3]
BBVA Eurozone Member [Member] | Non tradable assets eligible for central banks [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	0	0		0	[1]
BBVA Eurozone Member [Member] | Total Member
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	84,288,000,000	69,705,000,000		70,163,000,000	[1]
BBVA Bancomer [Member] | Cash And Balances With Central Banks Member [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	6,246,000,000	7,666,000,000		8,649,000,000
BBVA Bancomer [Member] | Level 1 tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	7,295,000,000	4,995,000,000		3,805,000,000
BBVA Bancomer [Member] | Level 2A tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	316,000,000	409,000,000		418,000,000
BBVA Bancomer [Member] | Level 2B tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	219,000,000	33,000,000		69,000,000
BBVA Bancomer [Member] | Other Non Eligible Liquid Assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	1,269,000,000	1,372,000,000	[2]	1,703,000,000	[3]
BBVA Bancomer [Member] | Non tradable assets eligible for central banks [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	0	0		0
BBVA Bancomer [Member] | Total Member
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	15,344,000,000	14,475,000,000		14,644,000,000
BBVA USA [Member] | Cash And Balances With Central Banks Member [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	4,949,000,000	1,667,000,000		2,150,000,000
BBVA USA [Member] | Level 1 tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	11,337,000,000	10,490,000,000		9,028,000,000
BBVA USA [Member] | Level 2A tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	344,000,000	510,000,000		753,000,000
BBVA USA [Member] | Level 2B tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	0	0		0
BBVA USA [Member] | Other Non Eligible Liquid Assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	952,000,000	1,043,000,000	[2]	1,252,000,000	[3]
BBVA USA [Member] | Non tradable assets eligible for central banks [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	2,935,000,000	2,314,000,000		2,800,000,000
BBVA USA [Member] | Total Member
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	20,516,000,000	16,024,000,000		15,983,000,000
Garanti Bank [Member] | Cash And Balances With Central Banks Member [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	6,450,000,000	7,633,000,000		6,692,000,000
Garanti Bank [Member] | Level 1 tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	7,953,000,000	6,502,000,000		5,705,000,000
Garanti Bank [Member] | Level 2A tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	0	0		0
Garanti Bank [Member] | Level 2B tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	0	0		0
Garanti Bank [Member] | Other Non Eligible Liquid Assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	669,000,000	499,000,000	[2]	962,000,000	[3]
Garanti Bank [Member] | Non tradable assets eligible for central banks [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	0	0		0
Garanti Bank [Member] | Total Member
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	15,072,000,000	14,634,000,000		13,359,000,000
Other LMU [Member] | Cash And Balances With Central Banks Member [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	6,368,000,000	6,677,000,000		6,083,000,000
Other LMU [Member] | Level 1 tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	3,593,000,000	3,652,000,000		6,141,000,000
Other LMU [Member] | Level 2A tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	0	0		10,000,000
Other LMU [Member] | Level 2B tradable assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	12,000,000	0		21,000,000
Other LMU [Member] | Other Non Eligible Liquid Assets [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	586,000,000	617,000,000	[2]	1,573,000,000	[3]
Other LMU [Member] | Non tradable assets eligible for central banks [Member]
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	0	0		0
Other LMU [Member] | Total Member
Disclosure Of Financial Assets Held For Managing Liquidity Risk Line Items
Financial Assets Held For Managing Liquidity Risk	€ 10,559,000,000	€ 10,946,000,000		€ 13,828,000,000
[1]	(1) Includes Banco Bilbao Vizcaya Argentaria, S.A. and Banco Bilbao Vizcaya Argentaria (Portugal), S.A.
[2]	(*) The balance of “BBVA Eurozone” has been reexpressed including the available funding in the European Central Bank (ECB)
[3]	(*) The balance of “BBVA Eurozone” has been reexpressed including the available funding in the European Central Bank (ECB)

Note 7 - Risk Management -Liq_4

Note 7 - Risk Management -Liquidity Risk - Contractual Maturities - Managing Liquity Risk (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
On demand [Member] | Cash And Balances With Central Banks And Other Demand Deposits [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	€ 20,954,000,000	€ 9,550,000,000	€ 8,179,000,000
On demand [Member] | Loans And Advances To Credit Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	0	801,000,000	252,000,000
On demand [Member] | Loans And Advances To Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	0	1,000,000	1,000,000
On demand [Member] | Reverse Repo Securities Borrowing and Margin Lending [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	0	0	18,979,000,000
On demand [Member] | Loans and advances [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	157,000,000	132,000,000	267,000,000
On demand [Member] | Securities Portfolio Settlement [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	0	0	1,000,000
On demand [Member] | Deposits Certificates [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	1,000,000	1,000,000	0
On demand [Member] | Deposits in Credit Entities [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	7,377,000,000	7,107,000,000	6,831,000,000
On demand [Member] | Deposits in Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	10,177,000,000	10,680,000,000	10,700,000,000
On demand [Member] | Rest Of The Customers Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	271,638,000,000	252,630,000,000	233,068,000,000
On demand [Member] | Security Pledge Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	0	40,000,000	0
On demand [Member] | Derivatives Net [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	0	0	0
Not Later Than One Month [Member] | Cash And Balances With Central Banks And Other Demand Deposits [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	20,654,000,000	40,599,000,000	31,029,000,000
Not Later Than One Month [Member] | Loans And Advances To Credit Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	3,591,000,000	3,211,000,000	4,391,000,000
Not Later Than One Month [Member] | Loans And Advances To Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	1,336,000,000	1,408,000,000	939,000,000
Not Later Than One Month [Member] | Reverse Repo Securities Borrowing and Margin Lending [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	21,612,000,000	21,266,000,000	2,689,000,000
Not Later Than One Month [Member] | Loans and advances [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	22,015,000,000	19,825,000,000	21,203,000,000
Not Later Than One Month [Member] | Securities Portfolio Settlement [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	1,622,000,000	1,875,000,000	1,579,000,000
Not Later Than One Month [Member] | Deposits Certificates [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	1,393,000,000	2,678,000,000	3,648,000,000
Not Later Than One Month [Member] | Deposits in Credit Entities [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	7,608,000,000	5,599,000,000	5,863,000,000
Not Later Than One Month [Member] | Deposits in Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	3,859,000,000	4,327,000,000	4,827,000,000
Not Later Than One Month [Member] | Rest Of The Customers Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	43,577,000,000	44,866,000,000	45,171,000,000
Not Later Than One Month [Member] | Security Pledge Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	45,135,000,000	46,489,000,000	35,502,000,000
Not Later Than One Month [Member] | Derivatives Net [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	(66,000,000)	(75,000,000)	(18,000,000)
Later Than One Month And Not Later Than Three Months [Member] | Cash And Balances With Central Banks And Other Demand Deposits [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	0	0	0
Later Than One Month And Not Later Than Three Months [Member] | Loans And Advances To Credit Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	283,000,000	216,000,000	181,000,000
Later Than One Month And Not Later Than Three Months [Member] | Loans And Advances To Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	1,120,000,000	750,000,000	758,000,000
Later Than One Month And Not Later Than Three Months [Member] | Reverse Repo Securities Borrowing and Margin Lending [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	3,858,000,000	1,655,000,000	1,921,000,000
Later Than One Month And Not Later Than Three Months [Member] | Loans and advances [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	25,056,000,000	25,939,000,000	26,323,000,000
Later Than One Month And Not Later Than Three Months [Member] | Securities Portfolio Settlement [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	3,873,000,000	4,379,000,000	4,159,000,000
Later Than One Month And Not Later Than Three Months [Member] | Deposits Certificates [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	1,714,000,000	1,652,000,000	4,209,000,000
Later Than One Month And Not Later Than Three Months [Member] | Deposits in Credit Entities [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	493,000,000	751,000,000	1,082,000,000
Later Than One Month And Not Later Than Three Months [Member] | Deposits in Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	867,000,000	1,580,000,000	3,290,000,000
Later Than One Month And Not Later Than Three Months [Member] | Rest Of The Customers Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	18,550,000,000	18,514,000,000	18,616,000,000
Later Than One Month And Not Later Than Three Months [Member] | Security Pledge Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	3,202,000,000	2,219,000,000	2,284,000,000
Later Than One Month And Not Later Than Three Months [Member] | Derivatives Net [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	(25,000,000)	(523,000,000)	(110,000,000)
Later Than Three Months And Not Later Than Six Months [Member] | Cash And Balances With Central Banks And Other Demand Deposits [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	0	0	0
Later Than Three Months And Not Later Than Six Months [Member] | Loans And Advances To Credit Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	488,000,000	141,000,000	169,000,000
Later Than Three Months And Not Later Than Six Months [Member] | Loans And Advances To Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	796,000,000	664,000,000	796,000,000
Later Than Three Months And Not Later Than Six Months [Member] | Reverse Repo Securities Borrowing and Margin Lending [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	2,287,000,000	1,158,000,000	541,000,000
Later Than Three Months And Not Later Than Six Months [Member] | Loans and advances [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	24,994,000,000	23,265,000,000	23,606,000,000
Later Than Three Months And Not Later Than Six Months [Member] | Securities Portfolio Settlement [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	6,620,000,000	5,990,000,000	4,423,000,000
Later Than Three Months And Not Later Than Six Months [Member] | Deposits Certificates [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	4,208,000,000	2,160,000,000	4,238,000,000
Later Than Three Months And Not Later Than Six Months [Member] | Deposits in Credit Entities [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	1,122,000,000	1,992,000,000	2,335,000,000
Later Than Three Months And Not Later Than Six Months [Member] | Deposits in Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	381,000,000	458,000,000	1,959,000,000
Later Than Three Months And Not Later Than Six Months [Member] | Rest Of The Customers Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	10,013,000,000	10,625,000,000	11,428,000,000
Later Than Three Months And Not Later Than Six Months [Member] | Security Pledge Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	15,801,000,000	2,274,000,000	1,405,000,000
Later Than Three Months And Not Later Than Six Months [Member] | Derivatives Net [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	29,000,000	(68,000,000)	(116,000,000)
Later Than Six Months And Not Later Than Nine Months [Member] | Cash And Balances With Central Banks And Other Demand Deposits [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	0	0	0
Later Than Six Months And Not Later Than Nine Months [Member] | Loans And Advances To Credit Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	585,000,000	83,000,000	120,000,000
Later Than Six Months And Not Later Than Nine Months [Member] | Loans And Advances To Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	589,000,000	647,000,000	628,000,000
Later Than Six Months And Not Later Than Nine Months [Member] | Reverse Repo Securities Borrowing and Margin Lending [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	561,000,000	805,000,000	426,000,000
Later Than Six Months And Not Later Than Nine Months [Member] | Loans and advances [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	15,777,000,000	15,347,000,000	15,380,000,000
Later Than Six Months And Not Later Than Nine Months [Member] | Securities Portfolio Settlement [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	2,017,000,000	2,148,000,000	2,380,000,000
Later Than Six Months And Not Later Than Nine Months [Member] | Deposits Certificates [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	1,645,000,000	2,425,000,000	1,227,000,000
Later Than Six Months And Not Later Than Nine Months [Member] | Deposits in Credit Entities [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	172,000,000	377,000,000	392,000,000
Later Than Six Months And Not Later Than Nine Months [Member] | Deposits in Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	367,000,000	302,000,000	554,000,000
Later Than Six Months And Not Later Than Nine Months [Member] | Rest Of The Customers Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	7,266,000,000	6,217,000,000	8,711,000,000
Later Than Six Months And Not Later Than Nine Months [Member] | Security Pledge Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	1,456,000,000	114,000,000	396,000,000
Later Than Six Months And Not Later Than Nine Months [Member] | Derivatives Net [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	(11,000,000)	(5,000,000)	(135,000,000)
Later Than Nine Months And Not Later Than One Year [Member] | Cash And Balances With Central Banks And Other Demand Deposits [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	0	0	0
Later Than Nine Months And Not Later Than One Year [Member] | Loans And Advances To Credit Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	503,000,000	152,000,000	122,000,000
Later Than Nine Months And Not Later Than One Year [Member] | Loans And Advances To Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	991,000,000	375,000,000	447,000,000
Later Than Nine Months And Not Later Than One Year [Member] | Reverse Repo Securities Borrowing and Margin Lending [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	808,000,000	498,000,000	815,000,000
Later Than Nine Months And Not Later Than One Year [Member] | Loans and advances [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	16,404,000,000	16,433,000,000	17,516,000,000
Later Than Nine Months And Not Later Than One Year [Member] | Securities Portfolio Settlement [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	7,292,000,000	6,823,000,000	13,391,000,000
Later Than Nine Months And Not Later Than One Year [Member] | Deposits Certificates [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	4,386,000,000	2,736,000,000	2,456,000,000
Later Than Nine Months And Not Later Than One Year [Member] | Deposits in Credit Entities [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	1,514,000,000	1,240,000,000	1,714,000,000
Later Than Nine Months And Not Later Than One Year [Member] | Deposits in Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	257,000,000	309,000,000	1,328,000,000
Later Than Nine Months And Not Later Than One Year [Member] | Rest Of The Customers Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	6,605,000,000	7,345,000,000	10,368,000,000
Later Than Nine Months And Not Later Than One Year [Member] | Security Pledge Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	653,000,000	97,000,000	973,000,000
Later Than Nine Months And Not Later Than One Year [Member] | Derivatives Net [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	1,097,000,000	(117,000,000)	(117,000,000)
Later Than One Year And Not Later Than Two Years [Member] | Cash And Balances With Central Banks And Other Demand Deposits [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	0	0	0
Later Than One Year And Not Later Than Two Years [Member] | Loans And Advances To Credit Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	189,000,000	133,000,000	116,000,000
Later Than One Year And Not Later Than Two Years [Member] | Loans And Advances To Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	1,420,000,000	1,724,000,000	1,029,000,000
Later Than One Year And Not Later Than Two Years [Member] | Reverse Repo Securities Borrowing and Margin Lending [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	4,121,000,000	205,000,000	30,000,000
Later Than One Year And Not Later Than Two Years [Member] | Loans and advances [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	42,165,000,000	42,100,000,000	43,973,000,000
Later Than One Year And Not Later Than Two Years [Member] | Securities Portfolio Settlement [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	21,334,000,000	8,592,000,000	5,789,000,000
Later Than One Year And Not Later Than Two Years [Member] | Deposits Certificates [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	8,328,000,000	7,225,000,000	5,772,000,000
Later Than One Year And Not Later Than Two Years [Member] | Deposits in Credit Entities [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	386,000,000	1,149,000,000	930,000,000
Later Than One Year And Not Later Than Two Years [Member] | Deposits in Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	982,000,000	781,000,000	963,000,000
Later Than One Year And Not Later Than Two Years [Member] | Rest Of The Customers Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	3,717,000,000	5,667,000,000	7,607,000,000
Later Than One Year And Not Later Than Two Years [Member] | Security Pledge Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	3,393,000,000	22,911,000,000	64,000,000
Later Than One Year And Not Later Than Two Years [Member] | Derivatives Net [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	(830,000,000)	498,000,000	(336,000,000)
Later Than Two Years And Not Later Than Three Years [Member] | Cash And Balances With Central Banks And Other Demand Deposits [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	0	0	0
Later Than Two Years And Not Later Than Three Years [Member] | Loans And Advances To Credit Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	24,000,000	178,000,000	112,000,000
Later Than Two Years And Not Later Than Three Years [Member] | Loans And Advances To Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	1,072,000,000	896,000,000	681,000,000
Later Than Two Years And Not Later Than Three Years [Member] | Reverse Repo Securities Borrowing and Margin Lending [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	1,838,000,000	1,352,000,000	727,000,000
Later Than Two Years And Not Later Than Three Years [Member] | Loans and advances [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	35,917,000,000	32,336,000,000	35,383,000,000
Later Than Two Years And Not Later Than Three Years [Member] | Securities Portfolio Settlement [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	6,115,000,000	12,423,000,000	11,289,000,000
Later Than Two Years And Not Later Than Three Years [Member] | Deposits Certificates [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	10,608,000,000	8,578,000,000	6,432,000,000
Later Than Two Years And Not Later Than Three Years [Member] | Deposits in Credit Entities [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	614,000,000	229,000,000	765,000,000
Later Than Two Years And Not Later Than Three Years [Member] | Deposits in Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	503,000,000	304,000,000	286,000,000
Later Than Two Years And Not Later Than Three Years [Member] | Rest Of The Customers Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	2,062,000,000	2,137,000,000	2,612,000,000
Later Than Two Years And Not Later Than Three Years [Member] | Security Pledge Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	7,206,000,000	526,000,000	23,009,000,000
Later Than Two Years And Not Later Than Three Years [Member] | Derivatives Net [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	(278,000,000)	(91,000,000)	(91,000,000)
Later Than Three Years And Not Later Than Five Years [Member] | Cash And Balances With Central Banks And Other Demand Deposits [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	0	0	0
Later Than Three Years And Not Later Than Five Years [Member] | Loans And Advances To Credit Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	120,000,000	27,000,000	157,000,000
Later Than Three Years And Not Later Than Five Years [Member] | Loans And Advances To Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	672,000,000	1,286,000,000	806,000,000
Later Than Three Years And Not Later Than Five Years [Member] | Reverse Repo Securities Borrowing and Margin Lending [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	411,000,000	390,000,000	226,000,000
Later Than Three Years And Not Later Than Five Years [Member] | Loans and advances [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	54,772,000,000	53,386,000,000	50,809,000,000
Later Than Three Years And Not Later Than Five Years [Member] | Securities Portfolio Settlement [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	13,240,000,000	11,533,000,000	12,070,000,000
Later Than Three Years And Not Later Than Five Years [Member] | Deposits Certificates [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	10,803,000,000	16,040,000,000	18,391,000,000
Later Than Three Years And Not Later Than Five Years [Member] | Deposits in Credit Entities [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	206,000,000	196,000,000	171,000,000
Later Than Three Years And Not Later Than Five Years [Member] | Deposits in Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	499,000,000	825,000,000	355,000,000
Later Than Three Years And Not Later Than Five Years [Member] | Rest Of The Customers Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	854,000,000	1,207,000,000	1,833,000,000
Later Than Three Years And Not Later Than Five Years [Member] | Security Pledge Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	759,000,000	218,000,000	338,000,000
Later Than Three Years And Not Later Than Five Years [Member] | Derivatives Net [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	(333,000,000)	(67,000,000)	(106,000,000)
Later Than Five Years [Member] | Cash And Balances With Central Banks And Other Demand Deposits [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	0	0	0
Later Than Five Years [Member] | Loans And Advances To Credit Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	432,000,000	1,269,000,000	1,868,000,000
Later Than Five Years [Member] | Loans And Advances To Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	2,089,000,000	2,764,000,000	1,975,000,000
Later Than Five Years [Member] | Reverse Repo Securities Borrowing and Margin Lending [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	803,000,000	210,000,000	0
Later Than Five Years [Member] | Loans and advances [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	122,098,000,000	120,571,000,000	123,568,000,000
Later Than Five Years [Member] | Securities Portfolio Settlement [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	46,022,000,000	42,738,000,000	44,666,000,000
Later Than Five Years [Member] | Deposits Certificates [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	27,840,000,000	26,363,000,000	30,162,000,000
Later Than Five Years [Member] | Deposits in Credit Entities [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	510,000,000	904,000,000	1,429,000,000
Later Than Five Years [Member] | Deposits in Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	952,000,000	1,692,000,000	1,045,000,000
Later Than Five Years [Member] | Rest Of The Customers Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	1,039,000,000	1,310,000,000	2,034,000,000
Later Than Five Years [Member] | Security Pledge Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	1,308,000,000	1,627,000,000	1,697,000,000
Later Than Five Years [Member] | Derivatives Net [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	(420,000,000)	(392,000,000)	(419,000,000)
Total Member | Cash And Balances With Central Banks And Other Demand Deposits [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	41,608,000,000	50,149,000,000	39,208,000,000
Total Member | Loans And Advances To Credit Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	6,216,000,000	6,211,000,000	7,488,000,000
Total Member | Loans And Advances To Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	10,084,000,000	10,515,000,000	8,060,000,000
Total Member | Reverse Repo Securities Borrowing and Margin Lending [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	36,299,000,000	27,539,000,000	26,354,000,000
Total Member | Loans and advances [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	359,354,000,000	349,334,000,000	358,028,000,000
Total Member | Securities Portfolio Settlement [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial assets for liquidity	108,136,000,000	96,501,000,000	99,747,000,000
Total Member | Deposits Certificates [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	70,927,000,000	69,858,000,000	76,535,000,000
Total Member | Deposits in Credit Entities [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	20,004,000,000	19,544,000,000	21,512,000,000
Total Member | Deposits in Other Financial Institutions [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	18,843,000,000	21,258,000,000	25,307,000,000
Total Member | Rest Of The Customers Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	365,321,000,000	350,518,000,000	341,448,000,000
Total Member | Security Pledge Funding [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	78,914,000,000	76,515,000,000	65,668,000,000
Total Member | Derivatives Net [Member]
Disclosure Of Maturity Analysis For Financial Instruments Held For Managing Liquidity Risk Line Items
Financial Obligations liquidity risk	€ (838,000,000)	€ (840,000,000)	€ (1,448,000,000)

Note 7 - Risk Management -Liq_5

Note 7 - Risk Management -Liquidity Risk - Asset Encumbrance (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Encumbered Assets [Member] | Gross carrying amount [Member]
Encumbered Assets Line Items
Encumbered Assets	€ 101,792,000,000	€ 107,950,000,000	€ 110,600,000,000
Non Encumbered Assets [Member] | Gross carrying amount [Member]
Encumbered Assets Line Items
Encumbered Assets	596,898,000,000	567,573,000,000	579,459,000,000
Equity instruments [Member] | Encumbered Assets [Member] | Gross carrying amount [Member]
Encumbered Assets Line Items
Encumbered Assets	3,526,000,000	1,864,000,000	2,297,000,000
Equity instruments [Member] | Encumbered Assets [Member] | Fair Value Member
Encumbered Assets Line Items
Encumbered Assets	3,526,000,000	1,864,000,000	2,297,000,000
Equity instruments [Member] | Non Encumbered Assets [Member] | Gross carrying amount [Member]
Encumbered Assets Line Items
Encumbered Assets	12,113,000,000	6,485,000,000	9,616,000,000
Equity instruments [Member] | Non Encumbered Assets [Member] | Fair Value Member
Encumbered Assets Line Items
Encumbered Assets	12,113,000,000	6,485,000,000	9,616,000,000
Debt Securities [Member] | Encumbered Assets [Member] | Gross carrying amount [Member]
Encumbered Assets Line Items
Encumbered Assets	29,630,000,000	31,157,000,000	28,700,000,000
Debt Securities [Member] | Encumbered Assets [Member] | Fair Value Member
Encumbered Assets Line Items
Encumbered Assets	29,567,000,000	32,216,000,000	29,798,000,000
Debt Securities [Member] | Non Encumbered Assets [Member] | Gross carrying amount [Member]
Encumbered Assets Line Items
Encumbered Assets	95,611,000,000	82,209,000,000	84,391,000,000
Debt Securities [Member] | Non Encumbered Assets [Member] | Fair Value Member
Encumbered Assets Line Items
Encumbered Assets	95,611,000,000	82,209,000,000	84,391,000,000
Loans And Receivables And Other Assets [Member] | Encumbered Assets [Member] | Gross carrying amount [Member]
Encumbered Assets Line Items
Encumbered Assets	68,636,000,000	74,928,000,000	79,604,000,000
Loans And Receivables And Other Assets [Member] | Non Encumbered Assets [Member] | Gross carrying amount [Member]
Encumbered Assets Line Items
Encumbered Assets	€ 489,174,000,000	€ 478,880,000,000	€ 485,451,000,000

Note 7 - Risk Management -Liq_6

Note 7 - Risk Management -Liquidity Risk - Collateral received (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Fair Value Of Encumbered Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	€ 38,496,000,000	€ 27,474,000,000	€ 23,881,000,000
Fair Value Of Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	9,208,000,000	5,633,000,000	9,630,000,000
Notional Amount Of Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	48,000,000	319,000,000	201,000,000
Equity instruments [Member] | Fair Value Of Encumbered Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	65,000,000	89,000,000	103,000,000
Equity instruments [Member] | Fair Value Of Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	70,000,000	82,000,000	5,000,000
Equity instruments [Member] | Notional Amount Of Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	0	0	0
Debt Securities [Member] | Fair Value Of Encumbered Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	38,431,000,000	27,385,000,000	23,715,000,000
Debt Securities [Member] | Fair Value Of Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	9,130,000,000	5,542,000,000	9,619,000,000
Debt Securities [Member] | Notional Amount Of Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	38,000,000	300,000,000	121,000,000
Loans And Receivables And Other Assets [Member] | Fair Value Of Encumbered Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	0	0	63,000,000
Loans And Receivables And Other Assets [Member] | Fair Value Of Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	8,000,000	8,000,000	6,000,000
Loans And Receivables And Other Assets [Member] | Notional Amount Of Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	10,000,000	19,000,000	80,000,000
Own Debt Issued Other Than Own Covered Bonds Member [Member] | Fair Value Of Encumbered Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	0	78,000,000	3,000,000
Own Debt Issued Other Than Own Covered Bonds Member [Member] | Fair Value Of Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	82,000,000	87,000,000	161,000,000
Own Debt Issued Other Than Own Covered Bonds Member [Member] | Notional Amount Of Collateral Received [Member]
Collateral Received Encumbered Asset Line Items
Encumbered Collateral Received	€ 0	€ 0	€ 0

Note 7 - Risk Management -Liq_7

Note 7 - Risk Management -Liquidity Risk - Sources Of Encumbrance (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Pledged Liabilities Book Value [Member]
Financial Liabilities Issued Encumbered Assets Line Items
Matching Liabilities Contingent Liabilities Or Securities Lent	€ 124,252,000,000	€ 113,498,000,000	€ 118,704,000,000
Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered	135,500,000,000	131,172,000,000	133,312,000,000
Derivatives [Member]
Financial Liabilities Issued Encumbered Assets Line Items
Matching Liabilities Contingent Liabilities Or Securities Lent	19,066,000,000	8,972,000,000	11,843,000,000
Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered	20,004,000,000	11,036,000,000	11,103,000,000
Deposits [Member]
Financial Liabilities Issued Encumbered Assets Line Items
Matching Liabilities Contingent Liabilities Or Securities Lent	87,906,000,000	85,989,000,000	87,484,000,000
Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered	94,240,000,000	97,361,000,000	98,478,000,000
Outstanding Subordinated Debt [Member]
Financial Liabilities Issued Encumbered Assets Line Items
Matching Liabilities Contingent Liabilities Or Securities Lent	17,280,000,000	18,538,000,000	19,377,000,000
Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered	21,256,000,000	22,775,000,000	23,732,000,000
Other [Member]
Financial Liabilities Issued Encumbered Assets Line Items
Matching Liabilities Contingent Liabilities Or Securities Lent	449,000,000	3,972,000,000	305,000,000
Assets Collateral Received And Own Debt Securities Issued Other Than Covered Bonds Encumbered	€ 4,788,000,000	€ 4,330,000,000	€ 1,028,000,000

Note 7 - Risk Management -Princ

Note 7 - Risk Management -Principal Geographical Areas GDP (Details)	12 Months Ended
	Dec. 31, 2019
Desfavourable Scenario Member [Member] | Spain [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	0.96%
Desfavourable Scenario Member [Member] | Spain [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.35%
Desfavourable Scenario Member [Member] | Spain [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.01%
Desfavourable Scenario Member [Member] | Spain [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.85%
Desfavourable Scenario Member [Member] | Spain [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.81%
Desfavourable Scenario Member [Member] | Mexico [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	-0.58%
Desfavourable Scenario Member [Member] | Mexico [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	0.93%
Desfavourable Scenario Member [Member] | Mexico [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.05%
Desfavourable Scenario Member [Member] | Mexico [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.07%
Desfavourable Scenario Member [Member] | Mexico [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.11%
Desfavourable Scenario Member [Member] | Turkey [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	-0.60%
Desfavourable Scenario Member [Member] | Turkey [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	-0.68%
Desfavourable Scenario Member [Member] | Turkey [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	4.60%
Desfavourable Scenario Member [Member] | Turkey [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	4.28%
Desfavourable Scenario Member [Member] | Turkey [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	4.31%
Desfavourable Scenario Member [Member] | United States [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.16%
Desfavourable Scenario Member [Member] | United States [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.00%
Desfavourable Scenario Member [Member] | United States [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.84%
Desfavourable Scenario Member [Member] | United States [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.83%
Desfavourable Scenario Member [Member] | United States [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.88%
Desfavourable Scenario Member [Member] | Peru [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	0.34%
Desfavourable Scenario Member [Member] | Peru [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	0.32%
Desfavourable Scenario Member [Member] | Peru [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.07%
Desfavourable Scenario Member [Member] | Peru [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.39%
Desfavourable Scenario Member [Member] | Peru [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.86%
Desfavourable Scenario Member [Member] | Argetina [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	-7.41%
Desfavourable Scenario Member [Member] | Argetina [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	-6.62%
Desfavourable Scenario Member [Member] | Argetina [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.08%
Desfavourable Scenario Member [Member] | Argetina [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.64%
Desfavourable Scenario Member [Member] | Argetina [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.95%
Desfavourable Scenario Member [Member] | Colombia [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.93%
Desfavourable Scenario Member [Member] | Colombia [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.71%
Desfavourable Scenario Member [Member] | Colombia [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.61%
Desfavourable Scenario Member [Member] | Colombia [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.59%
Desfavourable Scenario Member [Member] | Colombia [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.59%
Base Scenario Member [Member] | Spain [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.54%
Base Scenario Member [Member] | Spain [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.87%
Base Scenario Member [Member] | Spain [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.10%
Base Scenario Member [Member] | Spain [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.89%
Base Scenario Member [Member] | Spain [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.85%
Base Scenario Member [Member] | Mexico [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	0.23%
Base Scenario Member [Member] | Mexico [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.66%
Base Scenario Member [Member] | Mexico [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.14%
Base Scenario Member [Member] | Mexico [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.14%
Base Scenario Member [Member] | Mexico [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.15%
Base Scenario Member [Member] | Turkey [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.32%
Base Scenario Member [Member] | Turkey [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.48%
Base Scenario Member [Member] | Turkey [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	4.74%
Base Scenario Member [Member] | Turkey [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	4.38%
Base Scenario Member [Member] | Turkey [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	4.38%
Base Scenario Member [Member] | United States [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.12%
Base Scenario Member [Member] | United States [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.81%
Base Scenario Member [Member] | United States [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.92%
Base Scenario Member [Member] | United States [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.86%
Base Scenario Member [Member] | United States [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.91%
Base Scenario Member [Member] | Peru [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.92%
Base Scenario Member [Member] | Peru [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.46%
Base Scenario Member [Member] | Peru [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.28%
Base Scenario Member [Member] | Peru [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.39%
Base Scenario Member [Member] | Peru [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.86%
Base Scenario Member [Member] | Argetina [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	-2.47%
Base Scenario Member [Member] | Argetina [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	-2.57%
Base Scenario Member [Member] | Argetina [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.30%
Base Scenario Member [Member] | Argetina [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.78%
Base Scenario Member [Member] | Argetina [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.10%
Base Scenario Member [Member] | Colombia [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.29%
Base Scenario Member [Member] | Colombia [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.73%
Base Scenario Member [Member] | Colombia [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.61%
Base Scenario Member [Member] | Colombia [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.59%
Base Scenario Member [Member] | Colombia [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.59%
Favourable Scenario Member [Member] | Spain [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.15%
Favourable Scenario Member [Member] | Spain [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.42%
Favourable Scenario Member [Member] | Spain [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.19%
Favourable Scenario Member [Member] | Spain [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.88%
Favourable Scenario Member [Member] | Spain [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.85%
Favourable Scenario Member [Member] | Mexico [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.06%
Favourable Scenario Member [Member] | Mexico [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.39%
Favourable Scenario Member [Member] | Mexico [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.23%
Favourable Scenario Member [Member] | Mexico [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.19%
Favourable Scenario Member [Member] | Mexico [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.17%
Favourable Scenario Member [Member] | Turkey [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	7.06%
Favourable Scenario Member [Member] | Turkey [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	5.27%
Favourable Scenario Member [Member] | Turkey [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	4.91%
Favourable Scenario Member [Member] | Turkey [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	4.47%
Favourable Scenario Member [Member] | Turkey [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	4.50%
Favourable Scenario Member [Member] | United States [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.13%
Favourable Scenario Member [Member] | United States [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.62%
Favourable Scenario Member [Member] | United States [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.03%
Favourable Scenario Member [Member] | United States [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.91%
Favourable Scenario Member [Member] | United States [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.94%
Favourable Scenario Member [Member] | Peru [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	5.43%
Favourable Scenario Member [Member] | Peru [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	4.56%
Favourable Scenario Member [Member] | Peru [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.49%
Favourable Scenario Member [Member] | Peru [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.39%
Favourable Scenario Member [Member] | Peru [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.86%
Favourable Scenario Member [Member] | Argetina [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.40%
Favourable Scenario Member [Member] | Argetina [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	0.85%
Favourable Scenario Member [Member] | Argetina [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.51%
Favourable Scenario Member [Member] | Argetina [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	1.88%
Favourable Scenario Member [Member] | Argetina [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	2.23%
Favourable Scenario Member [Member] | Colombia [Member] | Year 2019 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	4.58%
Favourable Scenario Member [Member] | Colombia [Member] | Year 2020 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.74%
Favourable Scenario Member [Member] | Colombia [Member] | Year 2021 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.61%
Favourable Scenario Member [Member] | Colombia [Member] | Year 2022 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.59%
Favourable Scenario Member [Member] | Colombia [Member] | Year 2023 [Member]
Type Of GDP Scenarios [Table]
GDP Scenarios Line Items	3.59%

Note 7 - Risk Management - Cred

Note 7 - Risk Management - Credit Risk Exposure By Stages and geographic location (Details) - EUR (€)	Dec. 31, 2019		Dec. 31, 2018
Spain [Member] | Total Member
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	€ 197,058,000,000	[1]	€ 195,447,000,000	[2]
Accumulated Value Correction	(5,311,000,000)	[3]	(5,874,000,000)	[4]
Net Amount	191,747,000,000	[5]	189,574,000,000	[6]
Spain [Member] | Stage 1 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	173,843,000,000	[1]	172,599,000,000	[2]
Accumulated Value Correction	(712,000,000)	[3]	(713,000,000)	[4]
Net Amount	173,131,000,000	[5]	171,886,000,000	[6]
Spain [Member] | Stage 2 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	14,599,000,000	[1]	12,827,000,000	[2]
Accumulated Value Correction	(661,000,000)	[3]	(877,000,000)	[4]
Net Amount	13,939,000,000	[5]	11,951,000,000	[6]
Spain [Member] | Stage 3 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	8,616,000,000	[1]	10,021,000,000	[2]
Accumulated Value Correction	(3,939,000,000)	[3]	(4,284,000,000)	[4]
Net Amount	4,677,000,000	[5]	5,737,000,000	[6]
United States [Member] | Total Member
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	57,387,000,000		57,321,000,000
Accumulated Value Correction	(688,000,000)		(658,000,000)
Net Amount	56,699,000,000		56,663,000,000
United States [Member] | Stage 1 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	49,744,000,000		50,665,000,000
Accumulated Value Correction	(165,000,000)		(206,000,000)
Net Amount	49,580,000,000		50,459,000,000
United States [Member] | Stage 2 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	7,011,000,000		5,923,000,000
Accumulated Value Correction	(342,000,000)		(299,000,000)
Net Amount	6,670,000,000		5,624,000,000
United States [Member] | Stage 3 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	632,000,000		733,000,000
Accumulated Value Correction	(182,000,000)		(153,000,000)
Net Amount	450,000,000		580,000,000
Mexico [Member] | Total Member
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	60,099,000,000		52,858,000,000
Accumulated Value Correction	(2,013,000,000)		(1,750,000,000)
Net Amount	58,087,000,000		51,107,000,000
Mexico [Member] | Stage 1 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	54,748,000,000		48,354,000,000
Accumulated Value Correction	(697,000,000)		(640,000,000)
Net Amount	54,052,000,000		47,714,000,000
Mexico [Member] | Stage 2 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	3,873,000,000		3,366,000,000
Accumulated Value Correction	(404,000,000)		(373,000,000)
Net Amount	3,469,000,000		2,992,000,000
Mexico [Member] | Stage 3 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	1,478,000,000		1,138,000,000
Accumulated Value Correction	(912,000,000)		(737,000,000)
Net Amount	566,000,000		401,000,000
Turkey [Member] | Total Member
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	43,113,000,000	[7]	43,718,000,000	[8]
Accumulated Value Correction	(2,613,000,000)	[9]	(2,241,000,000)	[10]
Net Amount	40,500,000,000	[11]	41,479,000,000	[12]
Turkey [Member] | Stage 1 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	34,536,000,000	[7]	34,883,000,000	[8]
Accumulated Value Correction	(189,000,000)	[9]	(171,000,000)	[10]
Net Amount	34,347,000,000	[11]	34,712,000,000	[12]
Turkey [Member] | Stage 2 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	5,127,000,000	[7]	6,113,000,000	[8]
Accumulated Value Correction	(450,000,000)	[9]	(591,000,000)	[10]
Net Amount	4,677,000,000	[11]	5,523,000,000	[12]
Turkey [Member] | Stage 3 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	3,451,000,000	[7]	2,722,000,000	[8]
Accumulated Value Correction	(1,974,000,000)	[9]	(1,479,000,000)	[10]
Net Amount	1,477,000,000	[11]	1,244,000,000	[12]
South America [Member] | Total Member
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	36,265,000,000	[13]	36,098,000,000	[14]
Accumulated Value Correction	(1,769,000,000)	[15]	(1,656,000,000)	[16]
Net Amount	34,497,000,000	[17]	34,442,000,000	[18]
South America [Member] | Stage 1 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	31,754,000,000	[13]	31,947,000,000	[14]
Accumulated Value Correction	(366,000,000)	[15]	(338,000,000)	[16]
Net Amount	31,388,000,000	[17]	31,609,000,000	[18]
South America [Member] | Stage 2 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	2,742,000,000	[13]	2,436,000,000	[14]
Accumulated Value Correction	(323,000,000)	[15]	(234,000,000)	[16]
Net Amount	2,419,000,000	[17]	2,202,000,000	[18]
South America [Member] | Stage 3 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	1,769,000,000	[13]	1,715,000,000	[14]
Accumulated Value Correction	(1,079,000,000)	[15]	(1,084,000,000)	[16]
Net Amount	690,000,000	[17]	631,000,000	[18]
Other [Member] | Total Member
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	839,000,000		783,000,000
Accumulated Value Correction	(8,000,000)		(19,000,000)
Net Amount	832,000,000		763,000,000
Other [Member] | Stage 1 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	824,000,000		756,000,000
Accumulated Value Correction	(1,000,000)		0
Net Amount	823,000,000		755,000,000
Other [Member] | Stage 2 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	7,000,000		8,000,000
Accumulated Value Correction	(1,000,000)		(1,000,000)
Net Amount	6,000,000		7,000,000
Other [Member] | Stage 3 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	9,000,000		19,000,000
Accumulated Value Correction	(6,000,000)		(18,000,000)
Net Amount	2,000,000		1,000,000
Total Member | Total Member
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	394,763,000,000	[19]	386,225,000,000	[20]
Accumulated Value Correction	(12,402,000,000)	[21]	(12,199,000,000)	[22]
Net Amount	382,360,000,000	[23]	374,027,000,000	[24]
Total Member | Stage 1 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	345,449,000,000	[19]	339,204,000,000	[20]
Accumulated Value Correction	(2,129,000,000)	[21]	(2,070,000,000)	[22]
Net Amount	343,320,000,000	[23]	337,134,000,000	[24]
Total Member | Stage 2 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	33,360,000,000	[19]	30,673,000,000	[20]
Accumulated Value Correction	(2,181,000,000)	[21]	(2,374,000,000)	[22]
Net Amount	31,179,000,000	[23]	28,299,000,000	[24]
Total Member | Stage 3 [Member]
Disclosure Of Credit Risk By Stages And Geographic Location Line Items
Maximum Credit Risk Exposure	15,954,000,000	[19]	16,348,000,000	[20]
Accumulated Value Correction	(8,093,000,000)	[21]	(7,755,000,000)	[22]
Net Amount	€ 7,861,000,000	[23]	€ 8,593,000,000	[24]
[1]	( *) Spain includes all countries where BBVA, S.A. operates.
[2]	( *) Spain includes all countries where BBVA, S.A. operates.
[3]	( *) Spain includes all countries where BBVA, S.A. operates.
[4]	( *) Spain includes all countries where BBVA, S.A. operates.
[5]	( *) Spain includes all countries where BBVA, S.A. operates.
[6]	( *) Spain includes all countries where BBVA, S.A. operates.
[7]	(**) Turkey includes all countries in which Garanti BBVA operates.
[8]	(**) Turkey includes all countries in which Garanti BBVA operates.
[9]	(**) Turkey includes all countries in which Garanti BBVA operates.
[10]	(**) Turkey includes all countries in which Garanti BBVA operates.
[11]	(**) Turkey includes all countries in which Garanti BBVA operates.
[12]	(**) Turkey includes all countries in which Garanti BBVA operates.
[13]	(***) In South America, BBVA Group operates in Argentina, Colombia, Peru, Uruguay and Venezuela.
[14]	(***) In South America, BBVA Group operates in Argentina, Chile, Colombia, Peru, Uruguay and Venezuela.
[15]	(***) In South America, BBVA Group operates in Argentina, Colombia, Peru, Uruguay and Venezuela.
[16]	(***) In South America, BBVA Group operates in Argentina, Chile, Colombia, Peru, Uruguay and Venezuela.
[17]	(***) In South America, BBVA Group operates in Argentina, Colombia, Peru, Uruguay and Venezuela.
[18]	(***) In South America, BBVA Group operates in Argentina, Chile, Colombia, Peru, Uruguay and Venezuela.
[19]	(****) The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2019, the remain ed balance was € 433 million). These valuation adjustments are recognized in the income statement during the residual life of the operations or are applied to the value correctio ns when the losses materialize.
[20]	(****) The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2018 the remained balance was €540 million). These valuation adjustments are recognized in the income statement during the residual life of the operations or are applied to the value corrections when the losses materialize.
[21]	(****) The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2019, the remain ed balance was € 433 million). These valuation adjustments are recognized in the income statement during the residual life of the operations or are applied to the value correctio ns when the losses materialize.
[22]	(****) The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2018 the remained balance was €540 million). These valuation adjustments are recognized in the income statement during the residual life of the operations or are applied to the value corrections when the losses materialize.
[23]	(****) The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2019, the remain ed balance was € 433 million). These valuation adjustments are recognized in the income statement during the residual life of the operations or are applied to the value correctio ns when the losses materialize.
[24]	(****) The amount of the accumulated impairment includes the provisions recorded for credit risk over the remaining expected lifetime of purchased financial instruments. Those provisions were determined at the moment of the Purchase Price Allocation and were originated mainly in the acquisition of Catalunya Banc S.A. (as of December 31, 2018 the remained balance was €540 million). These valuation adjustments are recognized in the income statement during the residual life of the operations or are applied to the value corrections when the losses materialize.

Note 7 - Risk Management - Cr_2

Note 7 - Risk Management - Credit Risk Exposure By Stages and Counterparty (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018
General Government [Member] | Total Member
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	€ 28,281,000,000	€ 28,632,000,000
Accumulated Value Correction	(59,000,000)	(84,000,000)
Net Amount	28,222,000,000	28,549,000,000
General Government [Member] | Stage 1 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	27,511,000,000	27,740,000,000
Accumulated Value Correction	(15,000,000)	(21,000,000)
Net Amount	27,496,000,000	27,719,000,000
General Government [Member] | Stage 2 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	682,000,000	764,000,000
Accumulated Value Correction	(22,000,000)	(25,000,000)
Net Amount	660,000,000	739,000,000
General Government [Member] | Stage 3 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	88,000,000	128,000,000
Accumulated Value Correction	(21,000,000)	(38,000,000)
Net Amount	66,000,000	91,000,000
Other Financial Institutions [Member] | Total Member
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	11,239,000,000	9,490,000,000
Accumulated Value Correction	(31,000,000)	(22,000,000)
Net Amount	11,207,000,000	9,468,000,000
Other Financial Institutions [Member] | Stage 1 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	11,085,000,000	9,189,000,000
Accumulated Value Correction	(19,000,000)	(13,000,000)
Net Amount	11,066,000,000	9,176,000,000
Other Financial Institutions [Member] | Stage 2 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	136,000,000	291,000,000
Accumulated Value Correction	(2,000,000)	(4,000,000)
Net Amount	134,000,000	286,000,000
Other Financial Institutions [Member] | Stage 3 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	17,000,000	11,000,000
Accumulated Value Correction	(10,000,000)	(4,000,000)
Net Amount	8,000,000	6,000,000
Non Financial Institutions [Member] | Total Member
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	173,254,000,000	169,764,000,000
Accumulated Value Correction	(6,465,000,000)	(6,260,000,000)
Net Amount	166,789,000,000	163,503,000,000
Non Financial Institutions [Member] | Stage 1 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	148,768,000,000	145,875,000,000
Accumulated Value Correction	(811,000,000)	(730,000,000)
Net Amount	147,957,000,000	145,145,000,000
Non Financial Institutions [Member] | Stage 2 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	16,018,000,000	15,516,000,000
Accumulated Value Correction	(904,000,000)	(1,190,000,000)
Net Amount	15,114,000,000	14,327,000,000
Non Financial Institutions [Member] | Stage 3 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	8,468,000,000	8,372,000,000
Accumulated Value Correction	(4,750,000,000)	(4,341,000,000)
Net Amount	3,718,000,000	4,031,000,000
Private Individuals [Member] | Total Member
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	181,989,000,000	178,339,000,000
Accumulated Value Correction	(5,847,000,000)	(5,833,000,000)
Net Amount	176,142,000,000	172,506,000,000
Private Individuals [Member] | Stage 1 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	158,085,000,000	156,400,000,000
Accumulated Value Correction	(1,283,000,000)	(1,305,000,000)
Net Amount	156,801,000,000	155,094,000,000
Private Individuals [Member] | Stage 2 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	16,523,000,000	14,102,000,000
Accumulated Value Correction	(1,252,000,000)	(1,155,000,000)
Net Amount	15,272,000,000	12,946,000,000
Private Individuals [Member] | Stage 3 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	7,381,000,000	7,838,000,000
Accumulated Value Correction	(3,312,000,000)	(3,372,000,000)
Net Amount	4,069,000,000	4,466,000,000
Total Member | Total Member
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	394,763,000,000	386,225,000,000
Accumulated Value Correction	(12,402,000,000)	(12,199,000,000)
Net Amount	382,360,000,000	374,027,000,000
Total Member | Stage 1 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	345,449,000,000	339,204,000,000
Accumulated Value Correction	(2,129,000,000)	(2,070,000,000)
Net Amount	343,320,000,000	337,134,000,000
Total Member | Stage 2 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	33,360,000,000	30,673,000,000
Accumulated Value Correction	(2,181,000,000)	(2,374,000,000)
Net Amount	31,179,000,000	28,299,000,000
Total Member | Stage 3 [Member]
Disclosure of credit risk by stages and counterparty lineitems
Maximum Credit Risk Exposure	15,954,000,000	16,348,000,000
Accumulated Value Correction	(8,093,000,000)	(7,755,000,000)
Net Amount	€ 7,861,000,000	€ 8,593,000,000

Note 7 - Risk Management -Liq_8

Note 7 - Risk Management -Liquidity Risk - Financial Guarantee received (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018
Risk Management Abstract
Real Guarantee Value	€ 152,454,000,000	€ 158,268,000,000
Of Which Normal Risk Garanteed	14,623,000,000	14,087,000,000
Of Which Uncertain Risk Guarantee	4,590,000,000	5,068,000,000
Other Guarantees	35,464,000,000	16,897,000,000
Of which normal risk garanteed of other guarantee	3,306,000,000	1,519,000,000
Of which uncertain risk guarantee of other guarantee	542,000,000	502,000,000
Total Guarantees Received	€ 187,918,000,000	€ 175,165,000,000

Note 7 - Risk Management - Loan

Note 7 - Risk Management - Loans And Advances At Amortized Cost (Details)	Dec. 31, 2019EUR (€)
Stage 1 [Member] | Loans And Advances At Amortized Cost At The Beginning [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	€ 352,282,000,000
Stage 1 [Member] | Transfers Of Financial Assets [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(9,021,000,000)
Stage 1 [Member] | Transfers from stage 1 to stage 2 not credit impaired [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(13,546,000,000)
Stage 1 [Member] | Transfers from stage 2 to stage 1 not credit impaired [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	5,656,000,000
Stage 1 [Member] | Transfers to stage 3 [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(1,571,000,000)
Stage 1 [Member] | Transfers from stage 3 to stage 1or 2 [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	440,000,000
Stage 1 [Member] | Net Production Finnancial Assets [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	20,296,000,000
Stage 1 [Member] | Writteoffs [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(152,000,000)
Stage 1 [Member] | Changes In Model
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	0
Stage 1 [Member] | Foreign Exchange Loss [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	1,611,000,000
Stage 1 [Member] | Increase Decrease Through Other Movements Financial Assets [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(1,000,000)
Stage 1 [Member] | Other impairment losses [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(1,782,000,000)
Stage 1 [Member] | Loans And Advances At Amortized Cost At The End [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	363,234,000,000
Stage 2 [Member] | Loans And Advances At Amortized Cost At The Beginning [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	30,707,000,000
Stage 2 [Member] | Transfers Of Financial Assets [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	6,279,000,000
Stage 2 [Member] | Transfers from stage 1 to stage 2 not credit impaired [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	13,546,000,000
Stage 2 [Member] | Transfers from stage 2 to stage 1 not credit impaired [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(5,656,000,000)
Stage 2 [Member] | Transfers to stage 3 [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(2,698,000,000)
Stage 2 [Member] | Transfers from stage 3 to stage 1or 2 [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	1,087,000,000
Stage 2 [Member] | Net Production Finnancial Assets [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(2,739,000,000)
Stage 2 [Member] | Writteoffs [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(349,000,000)
Stage 2 [Member] | Changes In Model
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	0
Stage 2 [Member] | Foreign Exchange Loss [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	35,000,000
Stage 2 [Member] | Increase Decrease Through Other Movements Financial Assets [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(27,000,000)
Stage 2 [Member] | Other impairment losses [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(388,000,000)
Stage 2 [Member] | Loans And Advances At Amortized Cost At The End [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	33,518,000,000
Stage 3 [Member] | Loans And Advances At Amortized Cost At The Beginning [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	16,359,000,000
Stage 3 [Member] | Transfers Of Financial Assets [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	2,741,000,000
Stage 3 [Member] | Transfers from stage 1 to stage 2 not credit impaired [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	0
Stage 3 [Member] | Transfers from stage 2 to stage 1 not credit impaired [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	0
Stage 3 [Member] | Transfers to stage 3 [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	4,269,000,000
Stage 3 [Member] | Transfers from stage 3 to stage 1or 2 [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(1,527,000,000)
Stage 3 [Member] | Net Production Finnancial Assets [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	246,000,000
Stage 3 [Member] | Writteoffs [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(3,407,000,000)
Stage 3 [Member] | Changes In Model
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	0
Stage 3 [Member] | Foreign Exchange Loss [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	16,000,000
Stage 3 [Member] | Increase Decrease Through Other Movements Financial Assets [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	15,000,000
Stage 3 [Member] | Other impairment losses [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(11,000,000)
Stage 3 [Member] | Loans And Advances At Amortized Cost At The End [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	15,959,000,000
Total Member | Loans And Advances At Amortized Cost At The Beginning [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	399,347,000,000
Total Member | Transfers Of Financial Assets [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	0
Total Member | Transfers from stage 1 to stage 2 not credit impaired [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	0
Total Member | Transfers from stage 2 to stage 1 not credit impaired [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	0
Total Member | Transfers to stage 3 [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	0
Total Member | Transfers from stage 3 to stage 1or 2 [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	0
Total Member | Net Production Finnancial Assets [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	17,804,000,000
Total Member | Writteoffs [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(3,908,000,000)
Total Member | Changes In Model
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	0
Total Member | Foreign Exchange Loss [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	1,662,000,000
Total Member | Increase Decrease Through Other Movements Financial Assets [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(13,000,000)
Total Member | Other impairment losses [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	(2,180,000,000)
Total Member | Loans And Advances At Amortized Cost At The End [Member]
Disclosure Of Loans And Advances At Amortized Cost Line Items
Loans And Advances By Levels	€ 412,711,000,000

Note 7 - Risk Management - Corr

Note 7 - Risk Management - Corrections Loans And Advances At Amortized Cost (Details)	Dec. 31, 2019EUR (€)
Stage 1 [Member] | Loans And Advances At Amortized Cost At The Beginning [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	€ (2,082,000,000)
Stage 1 [Member] | Transfers Of Financial Assets [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	176,000,000
Stage 1 [Member] | Transfers from stage 1 to stage 2 not credit impaired [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	126,000,000
Stage 1 [Member] | Transfers from stage 2 to stage 1 not credit impaired [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(38,000,000)
Stage 1 [Member] | Transfers to stage 3 [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	89,000,000
Stage 1 [Member] | Transfers from stage 3 to stage 1or 2 [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(1,000,000)
Stage 1 [Member] | Net Production Finnancial Assets [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(542,000,000)
Stage 1 [Member] | Writteoffs [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	130,000,000
Stage 1 [Member] | Changes In Model
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	0
Stage 1 [Member] | Foreign Exchange Loss [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(30,000,000)
Stage 1 [Member] | Increase Decrease Through Other Movements Financial Assets [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(15,000,000)
Stage 1 [Member] | Other impairment losses [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	215,000,000
Stage 1 [Member] | Loans And Advances At Amortized Cost At The End [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(2,149,000,000)
Stage 2 [Member] | Loans And Advances At Amortized Cost At The Beginning [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(2,375,000,000)
Stage 2 [Member] | Transfers Of Financial Assets [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(227,000,000)
Stage 2 [Member] | Transfers from stage 1 to stage 2 not credit impaired [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(649,000,000)
Stage 2 [Member] | Transfers from stage 2 to stage 1 not credit impaired [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	273,000,000
Stage 2 [Member] | Transfers to stage 3 [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	234,000,000
Stage 2 [Member] | Transfers from stage 3 to stage 1or 2 [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(86,000,000)
Stage 2 [Member] | Net Production Finnancial Assets [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(116,000,000)
Stage 2 [Member] | Writteoffs [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	337,000,000
Stage 2 [Member] | Changes In Model
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	0
Stage 2 [Member] | Foreign Exchange Loss [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(18,000,000)
Stage 2 [Member] | Increase Decrease Through Other Movements Financial Assets [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(149,000,000)
Stage 2 [Member] | Other impairment losses [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	366,000,000
Stage 2 [Member] | Loans And Advances At Amortized Cost At The End [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(2,183,000,000)
Stage 3 [Member] | Loans And Advances At Amortized Cost At The Beginning [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(7,761,000,000)
Stage 3 [Member] | Transfers Of Financial Assets [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(1,574,000,000)
Stage 3 [Member] | Transfers from stage 1 to stage 2 not credit impaired [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	0
Stage 3 [Member] | Transfers from stage 2 to stage 1 not credit impaired [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	0
Stage 3 [Member] | Transfers to stage 3 [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(1,810,000,000)
Stage 3 [Member] | Transfers from stage 3 to stage 1or 2 [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	236,000,000
Stage 3 [Member] | Net Production Finnancial Assets [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(1,711,000,000)
Stage 3 [Member] | Writteoffs [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	2,789,000,000
Stage 3 [Member] | Changes In Model
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	0
Stage 3 [Member] | Foreign Exchange Loss [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	69,000,000
Stage 3 [Member] | Increase Decrease Through Other Movements Financial Assets [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(89,000,000)
Stage 3 [Member] | Other impairment losses [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	183,000,000
Stage 3 [Member] | Loans And Advances At Amortized Cost At The End [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(8,094,000,000)
Total Member | Loans And Advances At Amortized Cost At The Beginning [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(12,217,000,000)
Total Member | Transfers Of Financial Assets [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(1,626,000,000)
Total Member | Transfers from stage 1 to stage 2 not credit impaired [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(523,000,000)
Total Member | Transfers from stage 2 to stage 1 not credit impaired [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	235,000,000
Total Member | Transfers to stage 3 [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(1,487,000,000)
Total Member | Transfers from stage 3 to stage 1or 2 [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	149,000,000
Total Member | Net Production Finnancial Assets [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(2,370,000,000)
Total Member | Writteoffs [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	3,256,000,000
Total Member | Changes In Model
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	0
Total Member | Foreign Exchange Loss [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	20,000,000
Total Member | Increase Decrease Through Other Movements Financial Assets [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	(254,000,000)
Total Member | Other impairment losses [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	764,000,000
Total Member | Loans And Advances At Amortized Cost At The End [Member]
Disclosure Of Value Corrections Of Loans and advances at amortized cost line items
Value Corrections Loans And Advances By Levels	€ (12,427,000,000)

Note 8 - Fair Value - Carrying

Note 8 - Fair Value - Carrying Value And Fair Value - Assets (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Carrying Value And Fair Value Assets Line Items
Assets	€ 698,690,000,000	€ 676,689,000,000	€ 690,059,000,000
Cash cash balances at central banks and other demand deposits [Member] | Book Value [Member]
Carrying Value And Fair Value Assets Line Items
Assets	44,303,000,000	58,196,000,000	42,680,000,000
Cash cash balances at central banks and other demand deposits [Member] | Fair Value Member
Carrying Value And Fair Value Assets Line Items
Assets	44,302,877,000	58,196,243,000	42,680,000,000
Financial Assets Held For Trading [Member] | Book Value [Member]
Carrying Value And Fair Value Assets Line Items
Assets	102,688,000,000	90,117,000,000	64,695,000,000
Financial Assets Held For Trading [Member] | Fair Value Member
Carrying Value And Fair Value Assets Line Items
Assets	102,688,130,000	90,116,779,000	64,695,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Book Value [Member]
Carrying Value And Fair Value Assets Line Items
Assets	5,557,000,000	5,135,000,000	2,709,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Fair Value Member
Carrying Value And Fair Value Assets Line Items
Assets	5,557,147,000	5,135,342,000	2,709,000,000
Financial assets designated at fair value through profit or loss [Member] | Book Value [Member]
Carrying Value And Fair Value Assets Line Items
Assets	1,214,000,000	1,313,000,000	69,476,000,000
Financial assets designated at fair value through profit or loss [Member] | Fair Value Member
Carrying Value And Fair Value Assets Line Items
Assets	1,214,003,000	1,313,437,000	69,476,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Book Value [Member]
Carrying Value And Fair Value Assets Line Items
Assets	61,183,000,000	56,337,000,000	431,521,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Fair Value Member
Carrying Value And Fair Value Assets Line Items
Assets	61,183,328,000	56,337,461,000	438,991,000,000
Financial Assets At Amortised Cost Member | Book Value [Member]
Carrying Value And Fair Value Assets Line Items
Assets	439,162,000,000	419,660,000,000	13,754,000,000
Financial Assets At Amortised Cost Member | Fair Value Member
Carrying Value And Fair Value Assets Line Items
Assets	442,788,106,000	419,857,106,000	13,865,000,000
Derivatives Hedge accounting [Member] | Book Value [Member]
Carrying Value And Fair Value Assets Line Items
Assets	1,729,000,000	2,892,000,000	2,485,000,000
Derivatives Hedge accounting [Member] | Fair Value Member
Carrying Value And Fair Value Assets Line Items
Assets	€ 1,729,140,000	€ 2,891,985,000	€ 2,485,000,000

Note 8 - Fair Value - Carryin_2

Note 8 - Fair Value - Carrying Value And Fair Value - Liabilities (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Carrying Value And Fair Value Liabilities Line Items
Liabilities	€ 643,765,000,000	€ 623,814,000,000	€ 636,736,000,000
Financial Liabilities Held For Trading [Member] | Book Value [Member]
Carrying Value And Fair Value Liabilities Line Items
Liabilities	89,633,000,000	80,774,000,000	46,182,000,000
Financial Liabilities Held For Trading [Member] | Fair Value Member
Carrying Value And Fair Value Liabilities Line Items
Liabilities	89,633,149,000	80,774,053,000	46,182,000,000
Financial liabilities designated at fair value throuh profit or loss [Member] | Book Value [Member]
Carrying Value And Fair Value Liabilities Line Items
Liabilities	10,010,000,000	6,993,000,000	2,222,000,000
Financial liabilities designated at fair value throuh profit or loss [Member] | Fair Value Member
Carrying Value And Fair Value Liabilities Line Items
Liabilities	10,010,264,000	6,993,275,000	2,222,000,000
Financial liabilities at amortized cost [Member] | Book Value [Member]
Carrying Value And Fair Value Liabilities Line Items
Liabilities	516,641,000,000	509,185,000,000	543,713,000,000
Financial liabilities at amortized cost [Member] | Fair Value Member
Carrying Value And Fair Value Liabilities Line Items
Liabilities	515,910,367,000	510,299,958,000	544,604,000,000
Derivatives Hedge accounting [Member] | Book Value [Member]
Carrying Value And Fair Value Liabilities Line Items
Liabilities	2,233,000,000	2,680,000,000	2,880,000,000
Derivatives Hedge accounting [Member] | Fair Value Member
Carrying Value And Fair Value Liabilities Line Items
Liabilities	€ 2,232,966,000	€ 2,679,777,000	€ 2,880,000,000

Note 8 - Fair Value - Financial

Note 8 - Fair Value - Financial Instruments At Fair Value By Levels - Assets (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	€ 698,690,000,000	€ 676,689,000,000	€ 690,059,000,000
Financial Assets Held For Trading [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	31,135,000,000	26,730,000,000	29,057,000,000
Financial Assets Held For Trading [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	70,045,000,000	62,983,000,000	35,349,000,000
Financial Assets Held For Trading [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	1,508,000,000	404,000,000	289,000,000
Financial Assets Held For Trading [Member] | Loans and advances to Customers [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	697,000,000	47,000,000	0
Financial Assets Held For Trading [Member] | Loans and advances to Customers [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	32,321,000,000	28,642,000,000	56,000,000
Financial Assets Held For Trading [Member] | Loans and advances to Customers [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	1,285,000,000	60,000,000	0
Financial Assets Held For Trading [Member] | Debt Securities [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	18,076,000,000	17,884,000,000	21,107,000,000
Financial Assets Held For Trading [Member] | Debt Securities [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	8,178,000,000	7,494,000,000	1,444,000,000
Financial Assets Held For Trading [Member] | Debt Securities [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	55,000,000	199,000,000	22,000,000
Financial Assets Held For Trading [Member] | Equity instruments [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	8,832,000,000	5,194,000,000	6,688,000,000
Financial Assets Held For Trading [Member] | Equity instruments [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0	33,000,000
Financial Assets Held For Trading [Member] | Equity instruments [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	59,000,000	60,000,000	80,000,000
Financial Assets Held For Trading [Member] | Derivatives [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	3,530,000,000	3,605,000,000	1,262,000,000
Financial Assets Held For Trading [Member] | Derivatives [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	29,546,000,000	26,846,000,000	33,815,000,000
Financial Assets Held For Trading [Member] | Derivatives [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	109,000,000	85,000,000	187,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	4,305,000,000	3,127,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	92,000,000	78,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	1,160,000,000	1,929,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and advances to Customers [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	82,000,000	25,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and advances to Customers [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and advances to Customers [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	1,038,000,000	1,778,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	90,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	91,000,000	71,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	19,000,000	76,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	4,223,000,000	3,012,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	1,000,000	8,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	103,000,000	75,000,000
Financial assets designated at fair value through profit or loss [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	1,214,000,000	1,313,000,000	2,061,000,000
Financial assets designated at fair value through profit or loss [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0	648,000,000
Financial assets designated at fair value through profit or loss [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0	0
Financial assets designated at fair value through profit or loss [Member] | Loans and advances to Customers [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0	0
Financial assets designated at fair value through profit or loss [Member] | Loans and advances to Customers [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0	648,000,000
Financial assets designated at fair value through profit or loss [Member] | Loans and advances to Customers [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0	0
Financial assets designated at fair value through profit or loss [Member] | Loans And Advances To Credit Institutions [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets			0
Financial assets designated at fair value through profit or loss [Member] | Loans And Advances To Credit Institutions [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets			0
Financial assets designated at fair value through profit or loss [Member] | Loans And Advances To Credit Institutions [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets			0
Financial assets designated at fair value through profit or loss [Member] | Debt Securities [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	1,214,000,000	1,313,000,000	174,000,000
Financial assets designated at fair value through profit or loss [Member] | Debt Securities [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0	0
Financial assets designated at fair value through profit or loss [Member] | Debt Securities [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0	0
Financial assets designated at fair value through profit or loss [Member] | Equity instruments [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0	1,888,000,000
Financial assets designated at fair value through profit or loss [Member] | Equity instruments [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0	0
Financial assets designated at fair value through profit or loss [Member] | Equity instruments [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0	0
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	50,896,000,000	45,824,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	9,203,000,000	9,323,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	1,084,000,000	1,190,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Loans and advances to Customers [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	33,000,000	33,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Loans and advances to Customers [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Loans and advances to Customers [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	0	0
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Debt Securities [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	49,070,000,000	43,788,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Debt Securities [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	9,057,000,000	9,211,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Debt Securities [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	604,000,000	711,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Equity instruments [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	1,794,000,000	2,003,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Equity instruments [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	146,000,000	113,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Equity instruments [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	480,000,000	479,000,000
Available for sale financial assets [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets			57,381,000,000
Available for sale financial assets [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets			11,082,000,000
Available for sale financial assets [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets			544,000,000
Available for sale financial assets [Member] | Debt Securities [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets			54,850,000,000
Available for sale financial assets [Member] | Debt Securities [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets			10,948,000,000
Available for sale financial assets [Member] | Debt Securities [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets			454,000,000
Available for sale financial assets [Member] | Equity instruments [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets			2,531,000,000
Available for sale financial assets [Member] | Equity instruments [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets			134,000,000
Available for sale financial assets [Member] | Equity instruments [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets			90,000,000
Derivatives Hedge accounting [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	44,000,000	7,000,000	274,000,000
Derivatives Hedge accounting [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	1,685,000,000	2,882,000,000	2,606,000,000
Derivatives Hedge accounting [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Assets	€ 0	€ 3,000,000	€ 0

Note 8 - Fair Value - Financi_2

Note 8 - Fair Value - Financial Instruments At Fair Value By Levels - Liabilities (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	€ 643,765,000,000	€ 623,814,000,000	€ 636,736,000,000
Financial Liabilities Held For Trading [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	26,266,000,000	22,932,000,000	11,191,000,000
Financial Liabilities Held For Trading [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	62,541,000,000	57,573,000,000	34,866,000,000
Financial Liabilities Held For Trading [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	827,000,000	269,000,000	125,000,000
Financial Liabilities Held For Trading [Member] | Derivatives [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	4,425,000,000	3,919,000,000	1,183,000,000
Financial Liabilities Held For Trading [Member] | Derivatives [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	30,419,000,000	27,628,000,000	34,866,000,000
Financial Liabilities Held For Trading [Member] | Derivatives [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	175,000,000	267,000,000	119,000,000
Financial Liabilities Held For Trading [Member] | Short Positions [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities			10,008,000,000
Financial Liabilities Held For Trading [Member] | Short Positions [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities			0
Financial Liabilities Held For Trading [Member] | Short Positions [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities			6,000,000
Financial Liabilities Held For Trading [Member] | Deposits [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	9,595,000,000	7,989,000,000
Financial Liabilities Held For Trading [Member] | Deposits [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	32,121,000,000	29,945,000,000
Financial Liabilities Held For Trading [Member] | Deposits [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	649,000,000	0
Financial Liabilities Held For Trading [Member] | Other Financial Liabilities [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	12,246,000,000	11,024,000,000
Financial Liabilities Held For Trading [Member] | Other Financial Liabilities [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	1,000,000	0
Financial Liabilities Held For Trading [Member] | Other Financial Liabilities [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	2,000,000	1,000,000
Financial liabilities designated at fair value throuh profit or loss [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	0	0	0
Financial liabilities designated at fair value throuh profit or loss [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	9,984,000,000	4,478,000,000	2,222,000,000
Financial liabilities designated at fair value throuh profit or loss [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	27,000,000	2,515,000,000	0
Financial liabilities designated at fair value throuh profit or loss [Member] | Other Financial Liabilities [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	0	0
Financial liabilities designated at fair value throuh profit or loss [Member] | Other Financial Liabilities [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	4,410,000,000	643,000,000
Financial liabilities designated at fair value throuh profit or loss [Member] | Other Financial Liabilities [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	0	2,515,000,000
Financial liabilities designated at fair value throuh profit or loss [Member] | Customer Deposits [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	0	0
Financial liabilities designated at fair value throuh profit or loss [Member] | Customer Deposits [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	944,000,000	976,000,000
Financial liabilities designated at fair value throuh profit or loss [Member] | Customer Deposits [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	0	0
Financial liabilities designated at fair value throuh profit or loss [Member] | Debt Certificates [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	0	0
Financial liabilities designated at fair value throuh profit or loss [Member] | Debt Certificates [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	4,629,000,000	2,858,000,000
Financial liabilities designated at fair value throuh profit or loss [Member] | Debt Certificates [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	27,000,000	0
Derivatives Hedge accounting [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	30,000,000	223,000,000	274,000,000
Derivatives Hedge accounting [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	2,192,000,000	2,454,000,000	2,606,000,000
Derivatives Hedge accounting [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	€ 11,000,000	€ 3,000,000	€ 0

Note 8 - Fair Value - Main Valu

Note 8 - Fair Value - Main Valuation Techniques Financial Instruments Assets - Significant Observable Inputs Used In Fair Value Measurement Of Assets (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 698,690,000,000	€ 676,689,000,000	€ 690,059,000,000
Financial Assets Held For Trading [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	70,045,000,000	62,983,000,000
Financial Assets Held For Trading [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	1,508,000,000	€ 404,000,000
Financial Assets Held For Trading [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Main Observable Inputs		- Issuer´s credit risk - Current market interest rates - Funding interest rates observed in the market or in consensus services - Exchange rates
Main Unobservable Inputs		- Prepayment rates - Issuer´s credit risk - Recovery rates
Financial Assets Held For Trading [Member] | Loans and advances [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	32,321,000,000	€ 28,642,000,000
Financial Assets Held For Trading [Member] | Loans and advances [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 1,285,000,000	€ 60,000,000
Financial Assets Held For Trading [Member] | Loans and advances [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Present-value method (Discounted future cash flows)	Present-value method (Discounted future cash flows)
Main Observable Inputs	- Issuer´s credit risk - Current market interest rates - Funding interest rates observed in the market or in consensus services - Exchange rates	- Issuer´s credit risk - Current market interest rates - Funding interest rates observed in the market or in consensus services - Exchange rates
Main Unobservable Inputs	- Prepayment rates - Issuer´s credit risk - Recovery rates - Funding interest rates not observed in the market or in consensus services	- Prepayment rates - Issuer´s credit risk - Recovery rates
Financial Assets Held For Trading [Member] | Debt Securities [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 8,178,000,000	€ 7,494,000,000
Financial Assets Held For Trading [Member] | Debt Securities [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 55,000,000	€ 199,000,000
Financial Assets Held For Trading [Member] | Debt Securities [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Present-value method (Discounted future cash flows) Observed prices in non active markets	Present-value method (Discounted future cash flows) Observed prices in non active markets
Main Observable Inputs	- Issuer´s credit risk - Current market interest rates - Non active markets prices	- Issuer´s credit risk - Current market interest rates - Non active markets prices
Main Unobservable Inputs	- Prepayment rates - Issuer´s credit risk - Recovery rates	- Prepayment rates - Issuer´s credit risk - Recovery rates
Financial Assets Held For Trading [Member] | Equity instruments [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 0	€ 0
Financial Assets Held For Trading [Member] | Equity instruments [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 59,000,000	€ 60,000,000
Financial Assets Held For Trading [Member] | Equity instruments [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Comparable pricing (Observable price in a similar market) Present-value method	Comparable pricing (Observable price in a similar market) Present-value method
Main Observable Inputs	- Brokers quotes - Market operations - NAVs published	- Brokers quotes - Market operations - NAVs published
Main Unobservable Inputs	- NAV not published	- NAV provided by the administrator of the funds
Financial Assets Held For Trading [Member] | Derivatives [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 29,546,000,000	€ 26,846,000,000
Financial Assets Held For Trading [Member] | Derivatives [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 109,000,000	€ 85,000,000
Financial Assets Held For Trading [Member] | Derivatives [Member] | Interest Rate Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR	Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Main Unobservable Inputs	- Beta - Implicit correlations between tenors - interest rates volatility	- Beta - Implicit correlations between tenors - interest rates volatility
Financial Assets Held For Trading [Member] | Derivatives [Member] | Equity Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Future and Equity Forward: Discounted future cash flows Equity Options: Local Volatility, Momentum adjustment	Future and Equity Forward: Discounted future cash flows Equity Options: Local Volatility, Momentum adjustment
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Main Unobservable Inputs	- Volatility of volatility - Implicit assets correlations - Long term implicit correlations - Implicit dividends and long term repos	- Volatility of volatility - Implicit assets correlations - Long term implicit correlations - Implicit dividends and long term repos
Financial Assets Held For Trading [Member] | Derivatives [Member] | Foreign Exchange And Gold Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment	Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Main Unobservable Inputs	- Volatility of volatility - Implicit assets correlations - Long term implicit correlations	- Volatility of volatility - Implicit assets correlations - Long term implicit correlations
Financial Assets Held For Trading [Member] | Derivatives [Member] | Credit Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Credit Derivatives: Default model and Gaussian copula	Credit Derivatives: Default model and Gaussian copula
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Main Unobservable Inputs	- Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility	- Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility
Financial Assets Held For Trading [Member] | Derivatives [Member] | Commodities Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Commodities: Momentum adjustment and discounted cash flows	Commodities: Momentum adjustment and discounted cash flows
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 92,000,000	€ 78,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	1,160,000,000	1,929,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and advances [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	0	0
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and advances [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 1,038,000,000	€ 1,778,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and advances [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Specific liquidation criteria regarding losses of the EPA proceedings PD and LGD of the internal models, valuations and specific criteria of the EPA proceedings Discounted future cash flows	-Present-value method (Discounted future cash flows) Specific criteria for the liquidation of losses established by the EPA protocol
Main Unobservable Inputs	- Prepayment rates - Business plan of the underlying asset, WACC, macro scenario - Property valuation	- Prepayment rates - Issuer credit risk - Recovery rates - PD and LGD
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 91,000,000	€ 71,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 19,000,000	€ 76,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Present-value method (Discounted future cash flows)	Present-value method (Discounted future cash flows)
Main Observable Inputs	- Issuer credit risk - Current market interest rates	- Issuer credit risk - Current market interest rates
Main Unobservable Inputs	- Prepayment rates - Issuer credit risk - Recovery rates	- Prepayment rates - Issuer credit risk - Recovery rates
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 1,000,000	€ 8,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 103,000,000	€ 75,000,000
Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Comparable pricing (Observable price in a similar market) Present-value method	Present-value method (Discounted future cash flows)
Main Observable Inputs	- Brokers quotes - Market operations - NAVs published	- Issuer credit risk - Current market interest rates
Main Unobservable Inputs	- NAV provided by the administrator of the fund	- Prepayment rates - Issuer credit risk - Recovery rates
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 9,203,000,000	€ 9,323,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	1,084,000,000	1,190,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Debt Securities [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	9,057,000,000	9,211,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Debt Securities [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 604,000,000	€ 711,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Debt Securities [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Present-value method (Discounted future cash flows) Observed prices in non active markets	Present-value method (Discounted future cash flows) Observed prices in non active markets
Main Observable Inputs	- Issuer´s credit risk - Current market interest rates - Non active market prices	- Issuer´s credit risk - Current market interest rates - Non active market prices
Main Unobservable Inputs	- Prepayment rates - Issuer credit risk - Recovery rates	- Prepayment rates - Issuer credit risk - Recovery rates
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Equity instruments [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 146,000,000	€ 113,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Equity instruments [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 480,000,000	€ 479,000,000
Financial Assets At Fair Value Through Other Comprehensive Income [Member] | Equity instruments [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Comparable pricing (Observable price in a similar market) Present-value method	Comparable pricing (Observable price in a similar market) Present-value method
Main Observable Inputs	- Brokers quotes - Market operations - NAVs published	- Brokers quotes - Market operations - NAVs published
Main Unobservable Inputs	- NAV provided by the administrator of the fund	- NAV provided by the administrator of the fund
Derivatives Hedge accounting [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 1,685,000,000	€ 2,882,000,000
Derivatives Hedge accounting [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Assets Line Items
Assets	€ 0	€ 3,000,000
Derivatives Hedge accounting [Member] | Interest Rate Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant maturity Swaps: SABR	Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant maturity Swaps: SABR
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Derivatives Hedge accounting [Member] | Equity Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Future and Equity Forward: Discounted future cash flows Equity Options: Local volatility, Momentum adjustment	Future and Equity Forward: Discounted future cash flows Equity Options: Local volatility, Momentum adjustment
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Derivatives Hedge accounting [Member] | Foreign Exchange And Gold Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment	Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Derivatives Hedge accounting [Member] | Credit Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Credit Derivatives: Default model and Gaussian copula	Credit Derivatives: Default model and Gaussian copula
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Derivatives Hedge accounting [Member] | Commodities Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Assets Line Items
Valuation Technique used in fair value measurement assets	Commodities: Momentum adjustment and Discounted cash flows	Commodities: Momentum adjustment and Discounted cash flows
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations

Note 8 - Fair Value - Main Va_2

Note 8 - Fair Value - Main Valuation Techniques Financial Instruments Liabilities - Significant Observable Inputs Used In Fair Value Measurement Of Liabilities (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	€ 643,765,000,000	€ 623,814,000,000	€ 636,736,000,000
Financial Liabilities Held For Trading [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	62,541	57,573,000,000
Financial Liabilities Held For Trading [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	827	269,000,000
Financial Liabilities Held For Trading [Member] | Deposits [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	32,121	29,945,000,000
Financial Liabilities Held For Trading [Member] | Deposits [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	€ 649	0
Financial Liabilities Held For Trading [Member] | Deposits [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Present-value method (Discounted future cash flows)
Main Observable Inputs	- Interest rate yield - Funding interest rates observed in the market or in consensus services - Exchange rates
Main Unobservable Inputs	- Funding interest rates not observed in the market or in consensus services
Financial Liabilities Held For Trading [Member] | Derivatives [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	€ 30,419	27,628,000,000
Financial Liabilities Held For Trading [Member] | Derivatives [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	€ 175	€ 267,000,000
Financial Liabilities Held For Trading [Member] | Interest Rate Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Interest rate products (Interest rate Swaps, call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR	Interest rate products (Interest rate Swaps, call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Main Unobservable Inputs	- Beta - Correlation between tenors - Interest rates volatility	- Beta - Correlation between tenors - Interest rates volatility
Financial Liabilities Held For Trading [Member] | Equity Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Future and Equity forward: Discounted future cash flows Equity Options: Local volatility, momentum adjustment	Future and Equity forward: Discounted future cash flows Equity Options: Local volatility, momentum adjustment
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Main Unobservable Inputs	- Volatility of volatility - Assets correlation	- Volatility of volatility - Assets correlation
Financial Liabilities Held For Trading [Member] | Foreign Exchange And Gold Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment	Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local volatility, moments adjustment
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Main Unobservable Inputs	- Volatility of volatility - Assets correlation	- Volatility of volatility - Assets correlation
Financial Liabilities Held For Trading [Member] | Credit Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Credit Derivatives: Default model and Gaussian copula	Credit Derivatives: Default model and Gaussian copula
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Main Unobservable Inputs	- Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility	- Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility
Financial Liabilities Held For Trading [Member] | Commodities Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Commodities: Momentum adjustment and discounted cash flows	Commodities: Momentum adjustment and discounted cash flows
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Financial Liabilities Held For Trading [Member] | Short Positions [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	€ 1
Financial Liabilities Held For Trading [Member] | Short Positions [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	€ 2	€ 1,000,000
Financial Liabilities Held For Trading [Member] | Short Positions [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Present-value method (Discounted future cash flows)	Present-value method (Discounted future cash flows)
Main Unobservable Inputs	- Prepayment rates - Issuer´s credit risk - Current market interest rates	- Correlation default - Credit spread - Recovery rates - Interest rate yield
Financial assets designated at fair value through profit or loss [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	€ 9,984	€ 4,478,000,000
Financial assets designated at fair value through profit or loss [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	€ 27	€ 2,515,000,000
Financial assets designated at fair value through profit or loss [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Present-value method (Discounted future cash flows)	Present-value method (Discounted future cash flows)
Main Observable Inputs	- Prepayment rates - Issuer´s credit risk - Current market interest rates	- Prepayment rates - Issuer´s credit risk - Current market interest rates
Main Unobservable Inputs	- Prepayment rates - Issuer´s credit risk - Current market interest rates	- Prepayment rates - Issuer´s credit risk - Current market interest rates
Derivatives Hedge accounting [Member] | Level 2 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	€ 2,192	€ 2,454,000,000
Derivatives Hedge accounting [Member] | Level 3 Of Fair Value Hierarchy Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Liabilities	€ 11	€ 3,000,000
Derivatives Hedge accounting [Member] | Interest Rate Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR	Interest rate products (Interest rate Swaps, Call money Swaps y FRA): Discounted cash flows Caps/Floors: Black, Hull-White y SABR Bond options: Black Swaptions: Black, Hull-White y LGM Other Interest rate Options: Black, Hull-White y LGM Constant Maturity Swaps: SABR
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Main Unobservable Inputs	- Beta - Implicit correlations between tenors - interest rates volatility	- Beta - Implicit correlations between tenors - interest rates volatility
Derivatives Hedge accounting [Member] | Equity Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Future and Equity Forward: Discounted future cash flows Equity Options: Local volatility, momentum adjustment	Future and Equity Forward: Discounted future cash flows Equity Options: Local volatility, momentum adjustment
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Main Unobservable Inputs	- Volatility of volatility - Implicit assets correlations - Long term implicit correlations - Implicit dividends and long term repos	- Volatility of volatility - Implicit assets correlations - Long term implicit correlations - Implicit dividends and long term repos
Derivatives Hedge accounting [Member] | Foreign Exchange And Gold Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local Volatility, moments adjustment	Future and Equity Forward: Discounted future cash flows Foreign exchange Options: Local Volatility, moments adjustment
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Main Unobservable Inputs	- Volatility of volatility - Implicit assets correlations - Long term implicit correlations	- Volatility of volatility - Implicit assets correlations - Long term implicit correlations
Derivatives Hedge accounting [Member] | Credit Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Credit Derivatives: Default model and Gaussian copula	Credit Derivatives: Default model and Gaussian copula
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations
Main Unobservable Inputs	- Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility	- Correlation default - Credit spread - Recovery rates - Interest rate yield - Default volatility
Derivatives Hedge accounting [Member] | Commodities Hedge [Member] | Total Member
Main Valuation Techniques Financial Instruments Liabilities Line Items
Valuation Tecnniques	Commodities: Momentum adjustment and discounted cash flows	Commodities: Momentum adjustment and discounted cash flows
Main Observable Inputs	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations	- Exchange rates - Market quoted future prices - Market interest rates - Underlying assets prices: shares, funds, commodities - Market observable volatilities - Issuer credit spread levels - Quoted dividends - Market listed correlations

Note 8 - Fair Value - Significa

Note 8 - Fair Value - Significant Unobservable Inputs Used In Fair Value Measurement Of Assets (Details)	12 Months Ended
	Dec. 31, 2019
Loans and advances [Member] | Bottom Of Range Member | Net Present Value [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Credit Spread	(6)	[1]
Loans and advances [Member] | Weighted Average Member | Net Present Value [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Credit Spread	16	[1]
Loans and advances [Member] | Top Of Range [Member] | Net Present Value [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Credit Spread	100	[1]
Loans and advances [Member] | Units | Net Present Value [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Credit Spread	b.p	[1]
Debt Securities [Member] | Bottom Of Range Member | Net Present Value [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Credit Spread	18
Recovery Rate	0.00%
Debt Securities [Member] | Weighted Average Member | Net Present Value [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Credit Spread	83
Recovery Rate	28.38%
Debt Securities [Member] | Top Of Range [Member] | Net Present Value [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Credit Spread	504
Recovery Rate	40.00%
Debt Securities [Member] | Units | Net Present Value [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Credit Spread	b.p
Recovery Rate	%
Credit Option [Member] | Bottom Of Range Member | Gaussian Copula [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Correlation Default	19.37%
Credit Option [Member] | Bottom Of Range Member | Black 76 [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Price Volatility	-
Credit Option [Member] | Weighted Average Member | Gaussian Copula [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Correlation Default	44.33%
Credit Option [Member] | Weighted Average Member | Black 76 [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Price Volatility	-
Credit Option [Member] | Top Of Range [Member] | Gaussian Copula [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Correlation Default	61.08%
Credit Option [Member] | Top Of Range [Member] | Black 76 [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Price Volatility	-
Credit Option [Member] | Units | Gaussian Copula [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Correlation Default	%
Credit Option [Member] | Units | Black 76 [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Price Volatility	Vegas
Equity OTC Option [Member] | Bottom Of Range Member | Heston [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Forward Volatility	35.12
Equity OTC Option [Member] | Bottom Of Range Member | Local volatility [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Price Volatility	2.49
Equity OTC Option [Member] | Weighted Average Member | Heston [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Forward Volatility	35.12
Equity OTC Option [Member] | Weighted Average Member | Local volatility [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Price Volatility	23.21
Equity OTC Option [Member] | Top Of Range [Member] | Heston [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Forward Volatility	35.12
Equity OTC Option [Member] | Top Of Range [Member] | Local volatility [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Price Volatility	60.90
Equity OTC Option [Member] | Units | Heston [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Forward Volatility	Vegas
Equity OTC Option [Member] | Units | Local volatility [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Price Volatility	Vegas
Equity OTC FX Option [Member] | Bottom Of Range Member | Black Scholes Local Voatility [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Price Volatility	3.70
Equity OTC FX Option [Member] | Weighted Average Member | Black Scholes Local Voatility [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Price Volatility	6.30
Equity OTC FX Option [Member] | Top Of Range [Member] | Black Scholes Local Voatility [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Price Volatility	10.05
Equity OTC FX Option [Member] | Units | Black Scholes Local Voatility [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Price Volatility	Vegas
Interest Rate Option [Member] | Bottom Of Range Member | Libor Market Model [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Beta (significant unobservable item)	0.25
Correlation Rate Credit	(100)
Credit Default Volatility	-
Interest Rate Option [Member] | Weighted Average Member | Libor Market Model [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Beta (significant unobservable item)	2.00
Credit Default Volatility	-
Interest Rate Option [Member] | Top Of Range [Member] | Libor Market Model [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Beta (significant unobservable item)	18.00
Correlation Rate Credit	100
Credit Default Volatility	-
Interest Rate Option [Member] | Units | Libor Market Model [Member]
Disclosure Of Significant Unobservable Inputs Used In Fair Value Measurement Of Assets Line Items
Beta (significant unobservable item)	%
Correlation Rate Credit	%
Credit Default Volatility	Vegas
[1]	(*) Other valuation techniques such as specific liquidation criteria regarding losses of the EPA proceedings, PD and LGD of the internal models, valuations and specific criteria of the EPA proceedings or Discounted future cash flows are used for specific financial i nstruments.

Note 8 - Fair Value - Reconcili

Note 8 - Fair Value - Reconciliation Of Changes In Fair Value Measurement - Assets (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
Assets fair value reconciliation abstract
Assets at the beginning of the period	€ 676,689,000,000		€ 690,059,000,000
Changes in fair value level 3 assets abstract
Assets at the end of the period	698,690,000,000		676,689,000,000		€ 690,059,000,000
Assets Member [Member]
Assets fair value reconciliation abstract
Assets at the beginning of the period	3,527,000,000		835,000,000		822,000,000
Changes in fair value level 3 assets abstract
Group Incorporations Assets	0		0		0
Changes in FV recognized in P&L Assets	112,000,000	[1]	(167,000,000)	[2]	(24,000,000)	[3]
Changes in FV recognized in OCI Assets	2,000,000		(4,000,000)		(45,000,000)
Acquisitions Disposals Liquidations Assets	5,000,000	[4]	2,102,000,000	[5]	32,000,000	[6]
Net inflows level 3 assets	77,000,000		761,000,000		106,000,000
Exchange Differences And Others Assets	31,000,000		0		(55,000,000)
Assets at the end of the period	€ 3,753,000,000		€ 3,527,000,000		€ 835,000,000
[1]	(*) Profit or loss that is attributable to gains or losses relating to those financial ass ets and liabilities held as of December 31, 2019, 2018 and 2017 . Valuation adjustments are recorded under the heading “Gains (losses) on financial assets and liabilities (net)”.
[2]	(*) Profit or loss that is attributable to gains or losses relating to those financial ass ets and liabilities held as of December 31, 2019, 2018 and 2017 . Valuation adjustments are recorded under the heading “Gains (losses) on financial assets and liabilities (net)”.
[3]	(*) Profit or loss that is attributable to gains or losses relating to those financial ass ets and liabilities held as of December 31, 2019, 2018 and 2017 . Valuation adjustments are recorded under the heading “Gains (losses) on financial assets and liabilities (net)”.
[4]	(**) Of which, in 2019, the assets roll forward is comprised of €1,525 million of acquisitions, €1,102 million of disposals and €417 million of liquidations. The liabilities roll forward is comprised of €858 million of acquisitions, €53 million of sales and €210 million of liquidations.
[5]	(**) Of which, in 2019, the assets roll forward is comprised of €1,525 million of acquisitions, €1,102 million of disposals and €417 million of liquidations. The liabilities roll forward is comprised of €858 million of acquisitions, €53 million of sales and €210 million of liquidations.
[6]	(**) Of which, in 2019, the assets roll forward is comprised of €1,525 million of acquisitions, €1,102 million of disposals and €417 million of liquidations. The liabilities roll forward is comprised of €858 million of acquisitions, €53 million of sales and €210 million of liquidations.

Note 8 - Fair Value - Reconci_2

Note 8 - Fair Value - Reconciliation Of Changes In Fair Value Measurement - Liabilities (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
Liabilities fair value reconciliation abstract
Liabilities at the beginning of the period	€ 623,814,000,000		€ 636,736,000,000
Changes in fair value level 3 Liabilities abstract
Liabilities at the end of the period	643,765,000,000		623,814,000,000		€ 636,736,000,000
Level 3 [Member]
Liabilities fair value reconciliation abstract
Liabilities at the beginning of the period	2,787,000,000		125,000,000		116,000,000
Changes in fair value level 3 Liabilities abstract
Group Incorporations Liabilities	0		0		0
Changes in FV recognized in P&L	44,000,000	[1]	(95,000,000)	[2]	(21,000,000)	[3]
Changes in FV recognized in OCI Liabilities	0		0		0
Acquisitions Disposals Liquidations Liabilities	595,000,000	[4]	2,710,000,000	[5]	320,000,000	[6]
Net inflows level 3 Liabilities	(2,751,000,000)		47,000,000		(39,000,000)
Exchange Differences And Others Liabilities	189,000,000		0		(250,000,000)
Liabilities at the end of the period	€ 865,000,000		€ 2,787,000,000		€ 125,000,000
[1]	(*) Profit or loss that is attributable to gains or losses relating to those financial ass ets and liabilities held as of December 31, 2019, 2018 and 2017 . Valuation adjustments are recorded under the heading “Gains (losses) on financial assets and liabilities (net)”.
[2]	(*) Profit or loss that is attributable to gains or losses relating to those financial ass ets and liabilities held as of December 31, 2019, 2018 and 2017 . Valuation adjustments are recorded under the heading “Gains (losses) on financial assets and liabilities (net)”.
[3]	(*) Profit or loss that is attributable to gains or losses relating to those financial ass ets and liabilities held as of December 31, 2019, 2018 and 2017 . Valuation adjustments are recorded under the heading “Gains (losses) on financial assets and liabilities (net)”.
[4]	(**) Of which, in 2019, the assets roll forward is comprised of €1,525 million of acquisitions, €1,102 million of disposals and €417 million of liquidations. The liabilities roll forward is comprised of €858 million of acquisitions, €53 million of sales and €210 million of liquidations.
[5]	(**) Of which, in 2019, the assets roll forward is comprised of €1,525 million of acquisitions, €1,102 million of disposals and €417 million of liquidations. The liabilities roll forward is comprised of €858 million of acquisitions, €53 million of sales and €210 million of liquidations.
[6]	(**) Of which, in 2019, the assets roll forward is comprised of €1,525 million of acquisitions, €1,102 million of disposals and €417 million of liquidations. The liabilities roll forward is comprised of €858 million of acquisitions, €53 million of sales and €210 million of liquidations.

Note 8 - Fair Value Transfer Be

Note 8 - Fair Value Transfer Between Levels - Assets (Details)	12 Months Ended
	Dec. 31, 2019EUR (€)
Level 1 Of Fair Value Hierarchy Member | Financial Assets Held For Trading [Member]
Disclosure Of Level Transfer Asets Line Items
Transfers Out Of Level 1 Into Level 2 Of Fair Value Hierarchy Assets	€ 74,000,000
Transfers Into Level 3 Of Fair Value Hierarchy Assets	0
Level 1 Of Fair Value Hierarchy Member | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member]
Disclosure Of Level Transfer Asets Line Items
Transfers Out Of Level 1 Into Level 2 Of Fair Value Hierarchy Assets	0
Transfers Into Level 3 Of Fair Value Hierarchy Assets	0
Level 1 Of Fair Value Hierarchy Member | Financial Assets at fair value through profit or loss
Disclosure Of Level Transfer Asets Line Items
Transfers Out Of Level 1 Into Level 2 Of Fair Value Hierarchy Assets	0
Transfers Into Level 3 Of Fair Value Hierarchy Assets	0
Level 1 Of Fair Value Hierarchy Member | Financial Assets At Fair Value Through Other Comprehensive Income [Member]
Disclosure Of Level Transfer Asets Line Items
Transfers Out Of Level 1 Into Level 2 Of Fair Value Hierarchy Assets	6,000,000
Transfers Into Level 3 Of Fair Value Hierarchy Assets	6,000,000
Level 1 Of Fair Value Hierarchy Member | Derivatives [Member]
Disclosure Of Level Transfer Asets Line Items
Transfers Out Of Level 1 Into Level 2 Of Fair Value Hierarchy Assets	0
Transfers Into Level 3 Of Fair Value Hierarchy Assets	0
Level 1 Of Fair Value Hierarchy Member | Total Member
Disclosure Of Level Transfer Asets Line Items
Transfers Out Of Level 1 Into Level 2 Of Fair Value Hierarchy Assets	79,000,000
Transfers Into Level 3 Of Fair Value Hierarchy Assets	6,000,000
Level 2 Of Fair Value Hierarchy Member | Financial Assets Held For Trading [Member]
Disclosure Of Level Transfer Asets Line Items
Transfers Into Level 3 Of Fair Value Hierarchy Assets	502,000,000
Transfers Out Of Level 2 Into Level 1 Of Fair Value Hierarchy Assets	1,119,000,000
Level 2 Of Fair Value Hierarchy Member | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member]
Disclosure Of Level Transfer Asets Line Items
Transfers Into Level 3 Of Fair Value Hierarchy Assets	2,000,000
Transfers Out Of Level 2 Into Level 1 Of Fair Value Hierarchy Assets	23,000,000
Level 2 Of Fair Value Hierarchy Member | Financial Assets at fair value through profit or loss
Disclosure Of Level Transfer Asets Line Items
Transfers Into Level 3 Of Fair Value Hierarchy Assets	0
Transfers Out Of Level 2 Into Level 1 Of Fair Value Hierarchy Assets	0
Level 2 Of Fair Value Hierarchy Member | Financial Assets At Fair Value Through Other Comprehensive Income [Member]
Disclosure Of Level Transfer Asets Line Items
Transfers Into Level 3 Of Fair Value Hierarchy Assets	209,000,000
Transfers Out Of Level 2 Into Level 1 Of Fair Value Hierarchy Assets	4,000,000
Level 2 Of Fair Value Hierarchy Member | Derivatives [Member]
Disclosure Of Level Transfer Asets Line Items
Transfers Into Level 3 Of Fair Value Hierarchy Assets	26,000,000
Transfers Out Of Level 2 Into Level 1 Of Fair Value Hierarchy Assets	0
Level 2 Of Fair Value Hierarchy Member | Total Member
Disclosure Of Level Transfer Asets Line Items
Transfers Into Level 3 Of Fair Value Hierarchy Assets	739,000,000
Transfers Out Of Level 2 Into Level 1 Of Fair Value Hierarchy Assets	1,145,000,000
Level 3 Of Fair Value Hierarchy Member | Financial Assets Held For Trading [Member]
Disclosure Of Level Transfer Asets Line Items
Transfers Out Of Level 3 Of Fair Value Hierarchy Assets	160,000,000
TransfersIntoLevel1OfFairValueHierarchyAssets	1,000,000
Level 3 Of Fair Value Hierarchy Member | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member]
Disclosure Of Level Transfer Asets Line Items
Transfers Out Of Level 3 Of Fair Value Hierarchy Assets	44,000,000
TransfersIntoLevel1OfFairValueHierarchyAssets	0
Level 3 Of Fair Value Hierarchy Member | Financial Assets at fair value through profit or loss
Disclosure Of Level Transfer Asets Line Items
Transfers Out Of Level 3 Of Fair Value Hierarchy Assets	0
TransfersIntoLevel1OfFairValueHierarchyAssets	1,000,000
Level 3 Of Fair Value Hierarchy Member | Financial Assets At Fair Value Through Other Comprehensive Income [Member]
Disclosure Of Level Transfer Asets Line Items
Transfers Out Of Level 3 Of Fair Value Hierarchy Assets	454,000,000
TransfersIntoLevel1OfFairValueHierarchyAssets	0
Level 3 Of Fair Value Hierarchy Member | Derivatives [Member]
Disclosure Of Level Transfer Asets Line Items
Transfers Out Of Level 3 Of Fair Value Hierarchy Assets	10,000,000
TransfersIntoLevel1OfFairValueHierarchyAssets	0
Level 3 Of Fair Value Hierarchy Member | Total Member
Disclosure Of Level Transfer Asets Line Items
Transfers Out Of Level 3 Of Fair Value Hierarchy Assets	667,000,000
TransfersIntoLevel1OfFairValueHierarchyAssets	€ 2,000,000

Note 8 - Fair Value Transfer _2

Note 8 - Fair Value Transfer Between Levels - Liabilities (Details)	12 Months Ended
	Dec. 31, 2019EUR (€)
Level 1 Of Fair Value Hierarchy Member | Derivates [Member]
Dislosure Of Level Transfer Liabilities Line Items
Transfers Out Of Level 1 Into Level 2 Of Fair Value Hierarchy Liabilities	€ 0
Transfers Into Level 3 Of Fair Value Hierarchy Liabilities	0
Level 1 Of Fair Value Hierarchy Member | Financial Liabilities Held For Trading [Member]
Dislosure Of Level Transfer Liabilities Line Items
Transfers Out Of Level 1 Into Level 2 Of Fair Value Hierarchy Liabilities	1,000,000
Transfers Into Level 3 Of Fair Value Hierarchy Liabilities	0
Level 1 Of Fair Value Hierarchy Member | Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading [Member]
Dislosure Of Level Transfer Liabilities Line Items
Transfers Out Of Level 1 Into Level 2 Of Fair Value Hierarchy Liabilities	0
Transfers Into Level 3 Of Fair Value Hierarchy Liabilities	0
Level 1 Of Fair Value Hierarchy Member | Total Member
Dislosure Of Level Transfer Liabilities Line Items
Transfers Out Of Level 1 Into Level 2 Of Fair Value Hierarchy Liabilities	1,000,000
Transfers Into Level 3 Of Fair Value Hierarchy Liabilities	0
Level 2 Of Fair Value Hierarchy Member | Derivates [Member]
Dislosure Of Level Transfer Liabilities Line Items
Transfers Out Of Level 2 Into Level 1 Of Fair Value Hierarchy Liabilities	0
Transfers Out Of Level 2 Into Level 3 Of Fair Value Hierarchy Liabilities	27,000,000
Level 2 Of Fair Value Hierarchy Member | Financial Liabilities Held For Trading [Member]
Dislosure Of Level Transfer Liabilities Line Items
Transfers Out Of Level 2 Into Level 1 Of Fair Value Hierarchy Liabilities	0
Transfers Out Of Level 2 Into Level 3 Of Fair Value Hierarchy Liabilities	0
Level 2 Of Fair Value Hierarchy Member | Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading [Member]
Dislosure Of Level Transfer Liabilities Line Items
Transfers Out Of Level 2 Into Level 1 Of Fair Value Hierarchy Liabilities	0
Transfers Out Of Level 2 Into Level 3 Of Fair Value Hierarchy Liabilities	27,000,000
Level 2 Of Fair Value Hierarchy Member | Total Member
Dislosure Of Level Transfer Liabilities Line Items
Transfers Out Of Level 2 Into Level 1 Of Fair Value Hierarchy Liabilities	0
Transfers Out Of Level 2 Into Level 3 Of Fair Value Hierarchy Liabilities	54,000,000
Level 3 Of Fair Value Hierarchy Member | Derivates [Member]
Dislosure Of Level Transfer Liabilities Line Items
Transfers Out Of Level 3 Into Level 2 Of Fair Value Hierarchy Liabilities	125,000,000
Transfers Out Of Level 3 Into Level 1 Of Fair Value Hierarchy Liabilities	0
Level 3 Of Fair Value Hierarchy Member | Financial Liabilities Held For Trading [Member]
Dislosure Of Level Transfer Liabilities Line Items
Transfers Out Of Level 3 Into Level 2 Of Fair Value Hierarchy Liabilities	0
Transfers Out Of Level 3 Into Level 1 Of Fair Value Hierarchy Liabilities	0
Level 3 Of Fair Value Hierarchy Member | Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading [Member]
Dislosure Of Level Transfer Liabilities Line Items
Transfers Out Of Level 3 Into Level 2 Of Fair Value Hierarchy Liabilities	2,679,000,000
Transfers Out Of Level 3 Into Level 1 Of Fair Value Hierarchy Liabilities	0
Level 3 Of Fair Value Hierarchy Member | Total Member
Dislosure Of Level Transfer Liabilities Line Items
Transfers Out Of Level 3 Into Level 2 Of Fair Value Hierarchy Liabilities	2,804,000,000
Transfers Out Of Level 3 Into Level 1 Of Fair Value Hierarchy Liabilities	€ 0

Note 8 - Fair Value Sesitivity

Note 8 - Fair Value Sesitivity Analysis Level 3 Assets (Details)	12 Months Ended
	Dec. 31, 2019EUR (€)
Results Member [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	€ 372,000,000
Results Member [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	(126,000,000)
Results Member [Member] | Financial Assets Held For Trading [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	5,000,000
Results Member [Member] | Financial Assets Held For Trading [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	(60,000,000)
Results Member [Member] | Financial Assets Held For Trading [Member] | Loans and receivables [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Results Member [Member] | Financial Assets Held For Trading [Member] | Loans and receivables [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	(10,000,000)
Results Member [Member] | Financial Assets Held For Trading [Member] | Debt Securities [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	3,000,000
Results Member [Member] | Financial Assets Held For Trading [Member] | Debt Securities [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Results Member [Member] | Financial Assets Held For Trading [Member] | Equity instruments [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	1,000,000
Results Member [Member] | Financial Assets Held For Trading [Member] | Equity instruments [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	(48,000,000)
Results Member [Member] | Financial Assets Held For Trading [Member] | Derivatives [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	2,000,000
Results Member [Member] | Financial Assets Held For Trading [Member] | Derivatives [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	(2,000,000)
Results Member [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	367,000,000
Results Member [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	(66,000,000)
Results Member [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and receivables [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	354,000,000
Results Member [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and receivables [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	(61,000,000)
Results Member [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	7,000,000
Results Member [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Results Member [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	5,000,000
Results Member [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	(6,000,000)
Results Member [Member] | Financial assets designated at fair value through profit or loss [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Results Member [Member] | Financial assets designated at fair value through profit or loss [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Results Member [Member] | Financial assets designated at fair value through other comprehensive income [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Results Member [Member] | Financial assets designated at fair value through other comprehensive income [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	10,000,000
Other Comprehensive Impact [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	(1,000,000)
Other Comprehensive Impact [Member] | Financial Assets Held For Trading [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Financial Assets Held For Trading [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Financial Assets Held For Trading [Member] | Loans and receivables [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Financial Assets Held For Trading [Member] | Loans and receivables [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Financial Assets Held For Trading [Member] | Debt Securities [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Financial Assets Held For Trading [Member] | Debt Securities [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Financial Assets Held For Trading [Member] | Equity instruments [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Financial Assets Held For Trading [Member] | Equity instruments [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Financial Assets Held For Trading [Member] | Derivatives [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Financial Assets Held For Trading [Member] | Derivatives [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and receivables [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Loans and receivables [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Debt Securities [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Non Trading Financial Assets Mandatorily At Fair Value Through Profit Or Loss [Member] | Equity instruments [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Financial assets designated at fair value through profit or loss [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Financial assets designated at fair value through profit or loss [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	0
Other Comprehensive Impact [Member] | Financial assets designated at fair value through other comprehensive income [Member] | Favourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	10,000,000
Other Comprehensive Impact [Member] | Financial assets designated at fair value through other comprehensive income [Member] | Desfavourable Hypothesis [Member]
Sensitivity Analysis Assets Line Items
Tier 3 Financial Instruments	€ (1,000,000)

Note 8 - Fair Value Sesitivit_2

Note 8 - Fair Value Sesitivity Analysis Level 3 Liabilities (Details)	12 Months Ended
	Dec. 31, 2019EUR (€)
Results Member [Member] | Favourable Hypothesis [Member]
Disclosure Of Sensitivity Analysis Liabilities Line Items
Tier 3 Liabilities Of Financial Instruments	€ 3,000,000
Results Member [Member] | Desfavourable Hypothesis [Member]
Disclosure Of Sensitivity Analysis Liabilities Line Items
Tier 3 Liabilities Of Financial Instruments	(3,000,000)
Results Member [Member] | Financial Liabilities Held For Trading [Member] | Favourable Hypothesis [Member]
Disclosure Of Sensitivity Analysis Liabilities Line Items
Tier 3 Liabilities Of Financial Instruments	3,000,000
Results Member [Member] | Financial Liabilities Held For Trading [Member] | Desfavourable Hypothesis [Member]
Disclosure Of Sensitivity Analysis Liabilities Line Items
Tier 3 Liabilities Of Financial Instruments	(3,000,000)
Other Comprehensive Impact [Member] | Favourable Hypothesis [Member]
Disclosure Of Sensitivity Analysis Liabilities Line Items
Tier 3 Liabilities Of Financial Instruments	0
Other Comprehensive Impact [Member] | Desfavourable Hypothesis [Member]
Disclosure Of Sensitivity Analysis Liabilities Line Items
Tier 3 Liabilities Of Financial Instruments	0
Other Comprehensive Impact [Member] | Financial Liabilities Held For Trading [Member] | Favourable Hypothesis [Member]
Disclosure Of Sensitivity Analysis Liabilities Line Items
Tier 3 Liabilities Of Financial Instruments	0
Other Comprehensive Impact [Member] | Financial Liabilities Held For Trading [Member] | Desfavourable Hypothesis [Member]
Disclosure Of Sensitivity Analysis Liabilities Line Items
Tier 3 Liabilities Of Financial Instruments	€ 0

Note 8 - Fair Value - Fair Valu

Note 8 - Fair Value - Fair Value Of Financial Instruments Amortised Cost - Instruments Carried At Cost - Assets (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure Of Fair Value Measurement Of Assets Line Items
Contributed To Consolidated Group Assets	€ 698,690,000,000	€ 676,689,000,000	€ 690,059,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Cash cash balances at central banks and other demand deposits [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Contributed To Consolidated Group Assets	44,111,000,000	58,024,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Cash cash balances at central banks and other demand deposits [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Contributed To Consolidated Group Assets	0	0
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Cash cash balances at central banks and other demand deposits [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Contributed To Consolidated Group Assets	192,000,000	172,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Financial Assets at amortized cost [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Contributed To Consolidated Group Assets	29,391,000,000	21,419,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Financial Assets at amortized cost [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Contributed To Consolidated Group Assets	217,279,000,000	204,619,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Financial Assets at amortized cost [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Assets Line Items
Contributed To Consolidated Group Assets	€ 196,119,000,000	€ 193,819,000,000

Note 8 - Fair Value - Fair Va_2

Note 8 - Fair Value - Fair Value Of Financial Instruments Amortised Cost - Instruments Carried At Cost - Liabilities (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	€ 643,765,000,000	€ 623,814,000,000	€ 636,736,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Financial liabilities at amortized cost [Member] | Level 1 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	67,229,000,000	58,225,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Financial liabilities at amortized cost [Member] | Level 2 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	289,599,000,000	269,128,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Financial liabilities at amortized cost [Member] | Level 3 Of Fair Value Hierarchy Member
Disclosure Of Fair Value Measurement Of Liabilities Line Items
Liabilities	€ 159,082,000,000	€ 182,948,000,000

Note 8 - Fair Value - Fair Va_3

Note 8 - Fair Value - Fair Value Instruments Carried At Cost - Main Valuation Techniques - Assets (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
Contributed To Consolidated Group Assets	€ 698,690,000,000	€ 676,689,000,000	€ 690,059,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 2 Of Fair Value Hierarchy Member | Financial Assets At Amortised Cost Member
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
Contributed To Consolidated Group Assets	217,279,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 2 Of Fair Value Hierarchy Member | Financial Assets At Amortised Cost Member | Central Banks [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
Contributed To Consolidated Group Assets	0
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 2 Of Fair Value Hierarchy Member | Financial Assets At Amortised Cost Member | Loans And Advances To Credit Institutions [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
Contributed To Consolidated Group Assets	9,049,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 2 Of Fair Value Hierarchy Member | Financial Assets At Amortised Cost Member | Customers [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
Contributed To Consolidated Group Assets	194,897,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 2 Of Fair Value Hierarchy Member | Financial Assets At Amortised Cost Member | Debt Securities [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
Contributed To Consolidated Group Assets	13,333,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 3 Of Fair Value Hierarchy Member | Financial Assets At Amortised Cost Member
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
Contributed To Consolidated Group Assets	196,119,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 3 Of Fair Value Hierarchy Member | Financial Assets At Amortised Cost Member | Central Banks [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
Contributed To Consolidated Group Assets	2,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 3 Of Fair Value Hierarchy Member | Financial Assets At Amortised Cost Member | Loans And Advances To Credit Institutions [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
Contributed To Consolidated Group Assets	4,628,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 3 Of Fair Value Hierarchy Member | Financial Assets At Amortised Cost Member | Customers [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
Contributed To Consolidated Group Assets	190,144,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 3 Of Fair Value Hierarchy Member | Financial Assets At Amortised Cost Member | Debt Securities [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
Contributed To Consolidated Group Assets	€ 1,345,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Valuation Techniques Used Liabilities
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
Financial Instruments Valuation Methods Assets	Present-value method (Discounted future cash flows)
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Inputs Used | Financial Assets At Amortised Cost Member | Central Banks [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
MainInputsUsedInFinancialInstrumentsAssets	- Credit spread - Prepayment rates - Interest rate yield
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Inputs Used | Financial Assets At Amortised Cost Member | Loans And Advances To Credit Institutions [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
MainInputsUsedInFinancialInstrumentsAssets	- Credit spread - Prepayment rates - Interest rate yield
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Inputs Used | Financial Assets At Amortised Cost Member | Customers [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
MainInputsUsedInFinancialInstrumentsAssets	- Credit spread - Prepayment rates - Interest rate yield
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Inputs Used | Financial Assets At Amortised Cost Member | Debt Securities [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Assets Line Items
MainInputsUsedInFinancialInstrumentsAssets	- Credit spread - Interest rate yield

Nota 8 - Fair Value Instruments

Nota 8 - Fair Value Instruments Carried At Cost - Main Valuation Techniques - Liabilities (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	€ 643,765,000,000	€ 623,814,000,000	€ 636,736,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 2 Of Fair Value Hierarchy Member | Financial liabilities at amortized cost [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	289,599,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 2 Of Fair Value Hierarchy Member | Financial liabilities at amortized cost [Member] | Central Banks [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	129,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 2 Of Fair Value Hierarchy Member | Financial liabilities at amortized cost [Member] | Credit Institutions [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	21,575,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 2 Of Fair Value Hierarchy Member | Financial liabilities at amortized cost [Member] | Customers [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	245,720,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 2 Of Fair Value Hierarchy Member | Financial liabilities at amortized cost [Member] | Debt Securities Issued [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	14,194,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 2 Of Fair Value Hierarchy Member | Financial liabilities at amortized cost [Member] | Other Financial Liabilities Domain [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	7,981,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 3 Of Fair Value Hierarchy Member | Financial liabilities at amortized cost [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	159,082,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 3 Of Fair Value Hierarchy Member | Financial liabilities at amortized cost [Member] | Central Banks [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	0
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 3 Of Fair Value Hierarchy Member | Financial liabilities at amortized cost [Member] | Credit Institutions [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	6,831,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 3 Of Fair Value Hierarchy Member | Financial liabilities at amortized cost [Member] | Customers [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	135,514,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 3 Of Fair Value Hierarchy Member | Financial liabilities at amortized cost [Member] | Debt Securities Issued [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	11,133,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Level 3 Of Fair Value Hierarchy Member | Financial liabilities at amortized cost [Member] | Other Financial Liabilities Domain [Member]
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Liabilities	€ 5,604,000,000
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Valuation Techniques Used Liabilities
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Financial Instruments Valuation Methods Liabilities	Present-value method (Discounted future cash flows)
Not Measured At Fair Value In Statement Of Financial Position But For Which Fair Value Is Disclosed Member | Principal Inputs Used Liabilities
Disclosure Of Fair Value Instruments Carried At Cost Main Valuation Techniques Liabilities Line Items
Main Inputs Used In Financial Instruments Liabilities	- Issuer´s credit risk - Prepayment rates - Interest rate yield

Note 9 - Cash, Cash equivalents

Note 9 - Cash, Cash equivalents in central banks and other demand deposits and Financial liabilities measured at amortized cost - Cash, Cash equivalents in central banks and other demand deposits (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash, Cash balances at central banks and other demand deposits and Financial liabilities measured at amortized cost Line Items
BBVA Cash Balance Available To The Date	€ 44,303,000,000	€ 58,196,000,000	€ 42,680,000,000
Cash On Hand [Member]
Cash, Cash balances at central banks and other demand deposits and Financial liabilities measured at amortized cost Line Items
BBVA Cash Balance Available To The Date	7,060,000,000	6,346,000,000	6,220,000,000
Cash balances at central banks [Member]
Cash, Cash balances at central banks and other demand deposits and Financial liabilities measured at amortized cost Line Items
BBVA Cash Balance Available To The Date	31,755,000,000	43,880,000,000	31,718,000,000
Other demand deposits [Member]
Cash, Cash balances at central banks and other demand deposits and Financial liabilities measured at amortized cost Line Items
BBVA Cash Balance Available To The Date	5,488,000,000	7,970,000,000	4,742,000,000
Total Member
Cash, Cash balances at central banks and other demand deposits and Financial liabilities measured at amortized cost Line Items
BBVA Cash Balance Available To The Date	€ 44,303,000,000	€ 58,196,000,000	€ 42,680,000,000

Note 10 - Financial assets an_3

Note 10 - Financial assets and liabilities held for trading - Financial assets and liabilities held for trading (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financial Assets Held For Trading Abstract
Derivative financial assets held for trading	€ 33,185,000,000	€ 30,536,000,000	€ 35,265,000,000
Equity Instruments Held For Trading	8,892,000,000	5,254,000,000	6,801,000,000
Debt Instruments Held For Trading	26,309,000,000	25,577,000,000	22,573,000,000
Loans and receivables Held For Trading	12,482,000,000	12,021,000,000	56,000,000
Financial Assets Held For Trading	102,688,000,000	90,117,000,000	64,695,000,000
Financial Liabilities Held For Trading Abstract
Derivative financial liabilities, held for trading	35,019,000,000	31,815,000,000	36,169,000,000
Short positions, held for trading	12,249,000,000	11,025,000,000	10,013,000,000
Financial Liabilities Held For Trading	89,633,000,000	80,774,000,000	46,182,000,000
Credit Institutions [Member]
Financial Assets Held For Trading Abstract
Equity Instruments Held For Trading	1,037,000,000	880,000,000	962,000,000
Other [Member]
Financial Assets Held For Trading Abstract
Equity Instruments Held For Trading	7,855,000,000	4,374,000,000	5,839,000,000
Issued by central banks [Member]
Financial Assets Held For Trading Abstract
Debt Instruments Held For Trading	840,000,000	1,001,000,000	1,371,000,000
Issued by public administration [Member]
Financial Assets Held For Trading Abstract
Debt Instruments Held For Trading	23,918,000,000	22,950,000,000	19,344,000,000
Issued by credit institutions [Member]
Financial Assets Held For Trading Abstract
Debt Instruments Held For Trading	679,000,000	790,000,000	816,000,000
Other debt instruments [Member]
Financial Assets Held For Trading Abstract
Debt Instruments Held For Trading	872,000,000	836,000,000	1,041,000,000
Loans And Advances To Central Banks [Member]
Financial Assets Held For Trading Abstract
Loans and receivables Held For Trading	535,000,000	2,163,000,000	0
Loans And Advances To Credit Institutions [Member]
Financial Assets Held For Trading Abstract
Loans and receivables Held For Trading	21,286,000,000	14,566,000,000	0
Loans and advances to Customers [Member]
Financial Assets Held For Trading Abstract
Loans and receivables Held For Trading	12,482,000,000	12,021,000,000	56,000,000
Central Banks Deposits [Member]
Financial Liabilities Held For Trading Abstract
Deposits held for trading	7,635,000,000	10,511,000,000	0
Credit Institutions Deposits [Member]
Financial Liabilities Held For Trading Abstract
Deposits held for trading	24,969,000,000	15,687,000,000	0
Customers deposits [Member]
Financial Liabilities Held For Trading Abstract
Deposits held for trading	9,761,000,000	11,736,000,000	0
Total Member
Financial Assets Held For Trading Abstract
Derivative financial assets held for trading	33,185,000,000	30,536,000,000	35,265,000,000
Equity Instruments Held For Trading	8,892,000,000	5,254,000,000	6,801,000,000
Debt Instruments Held For Trading	26,309,000,000	25,577,000,000	22,573,000,000
Loans and receivables Held For Trading	34,303,000,000	28,750,000,000	56,000,000
Financial Assets Held For Trading	102,688,000,000	90,117,000,000	64,695,000,000
Financial Liabilities Held For Trading Abstract
Derivative financial liabilities, held for trading	35,019,000,000	31,815,000,000	36,169,000,000
Short positions, held for trading	12,249,000,000	11,025,000,000	10,013,000,000
Deposits held for trading	42,365,000,000	37,934,000,000	0
Financial Liabilities Held For Trading	€ 89,633,000,000	€ 80,774,000,000	€ 46,182,000,000

Note 10 - Financial assets an_4

Note 10 - Financial assets and liabilities held for trading - Derivatives by type of risk by product or by type of market (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	€ 33,185,000,000	€ 30,536,000,000	€ 35,265,000,000
Derivative financial liabilities, held for trading	35,019,000,000	31,815,000,000	36,169,000,000
Interest Rate Risk Member | OTC Options [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	21,479,000,000	19,146,000,000	22,606,000,000
Derivative financial liabilities, held for trading	20,852,000,000	18,769,000,000	22,546,000,000
Notional Amount	2,997,443,000,000	2,910,016,000,000	2,129,474,000,000
Interest Rate Risk Member | Organized Market Options [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	0	0	0
Derivative financial liabilities, held for trading	1,000,000	0	0
Notional Amount	27,351,000,000	19,355,000,000	23,016,000,000
Interest Rate Risk Member | Total Member
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	21,479,000,000	19,146,000,000	22,606,000,000
Derivative financial liabilities, held for trading	20,853,000,000	18,769,000,000	22,546,000,000
Notional Amount	3,024,794,000,000	2,929,371,000,000	2,152,490,000,000
Equity Risk [Member] | OTC Options [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	353,000,000	631,000,000	578,000,000
Derivative financial liabilities, held for trading	1,435,000,000	463,000,000	1,207,000,000
Notional Amount	40,507,000,000	39,599,000,000	42,298,000,000
Equity Risk [Member] | Organized Market Options [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	1,910,000,000	2,168,000,000	1,200,000,000
Derivative financial liabilities, held for trading	2,065,000,000	2,492,000,000	1,129,000,000
Notional Amount	43,633,000,000	74,586,000,000	53,275,000,000
Equity Risk [Member] | Total Member
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	2,263,000,000	2,799,000,000	1,778,000,000
Derivative financial liabilities, held for trading	3,499,000,000	2,956,000,000	2,336,000,000
Notional Amount	84,140,000,000	114,184,000,000	95,573,000,000
Foreign Exchange And Gold Risk [Member] | OTC Options [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	9,049,000,000	8,344,000,000	10,337,000,000
Derivative financial liabilities, held for trading	10,260,000,000	9,638,000,000	10,688,000,000
Notional Amount	463,662,000,000	426,952,000,000	373,303,000,000
Foreign Exchange And Gold Risk [Member] | Organized Market Options [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	37,000,000	11,000,000	34,000,000
Derivative financial liabilities, held for trading	6,000,000	55,000,000	40,000,000
Notional Amount	8,532,000,000	5,331,000,000	7,101,000,000
Foreign Exchange And Gold Risk [Member] | Total Member
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	9,086,000,000	8,355,000,000	10,371,000,000
Derivative financial liabilities, held for trading	10,266,000,000	9,693,000,000	10,729,000,000
Notional Amount	472,194,000,000	432,283,000,000	380,404,000,000
Credit Risk Member | Credit Default Swap [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	338,000,000	228,000,000	480,000,000
Derivative financial liabilities, held for trading	283,000,000	248,000,000	507,000,000
Notional Amount	26,702,000,000	22,791,000,000	27,942,000,000
Credit Risk Member | Credit Spread Option [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	0	2,000,000	0
Derivative financial liabilities, held for trading	2,000,000	0	0
Notional Amount	150,000,000	500,000,000	200,000,000
Credit Risk Member | Total Return Swap [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	14,000,000	2,000,000	9,000,000
Derivative financial liabilities, held for trading	113,000,000	145,000,000	9,000,000
Notional Amount	2,225,000,000	2,161,000,000	2,039,000,000
Credit Risk Member | Other [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	0	0	0
Derivative financial liabilities, held for trading	0	0	0
Notional Amount	0	0	0
Credit Risk Member | Total Member
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	353,000,000	232,000,000	489,000,000
Derivative financial liabilities, held for trading	397,000,000	393,000,000	517,000,000
Notional Amount	29,077,000,000	25,452,000,000	30,181,000,000
Commodities Risk [Member] | Total Member
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	4,000,000	3,000,000	3,000,000
Derivative financial liabilities, held for trading	4,000,000	3,000,000	3,000,000
Notional Amount	64,000,000	67,000,000	36,000,000
Other Risk [Member] | Total Member
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	0	0	18,000,000
Derivative financial liabilities, held for trading	0	0	38,000,000
Notional Amount	0	0	561,000,000
Derivates [Member] | Of Which OTC Derivatives With Credit Institutions [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	20,706,000,000	16,979,000,000	21,016,000,000
Derivative financial liabilities, held for trading	23,717,000,000	18,729,000,000	22,804,000,000
Notional Amount	1,000,243,000,000	897,384,000,000	898,209,000,000
Derivates [Member] | Of Which OTC Derivatives With Other Financial Institutions [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	6,153,000,000	7,372,000,000	8,695,000,000
Derivative financial liabilities, held for trading	6,214,000,000	7,758,000,000	9,207,000,000
Notional Amount	2,370,988,000,000	2,355,784,000,000	1,548,919,000,000
Derivates [Member] | Of Which OTC Derivatives With Rest Of Counterparties [Member]
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	4,378,000,000	4,005,000,000	4,316,000,000
Derivative financial liabilities, held for trading	3,016,000,000	2,780,000,000	2,986,000,000
Notional Amount	159,521,000,000	148,917,000,000	128,722,000,000
Derivates [Member] | Total Member
Derivatives By Type Of Risk By Product Or By Type Of Market Line Items
Derivative financial assets held for trading	33,185,000,000	30,536,000,000	35,265,000,000
Derivative financial liabilities, held for trading	35,019,000,000	31,815,000,000	36,169,000,000
Notional Amount	€ 3,610,269,000,000	€ 3,501,358,000,000	€ 2,659,246,000,000

Note 11 - Non-trading financi_3

Note 11 - Non-trading financial assets mandatorily at fair value throug profit or loss (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018
Non trading financial assets mandatory at fair value through profit or loss Abstract
Equity Instruments Mandatorily Measured At Fair Value	€ 4,327,000,000	€ 3,095,000,000
Debt Securities At Fair Vale Mandatorily Measured At Fair Value	110,000,000	237,000,000
Loans And Advances To Customers Mandatorily Measured At Fair Value	1,120,000,000	1,803,000,000
Total Non Trading Financial Assets Mandatorily Measured At Fair Value Through Profit or Loss	€ 5,557,000,000	€ 5,135,000,000

Note 12 - Financial Instrumen_3

Note 12 - Financial Instruments designated at fair value through profit or loss (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financial Assets At Fair Value Through Profit Or Loss
Equity instruments at fair value			€ 1,888,000,000
Debt Securities, at fair value	€ 1,214,000,000	€ 1,313,000,000	174,000,000
Loans And Advances To Customers At Fair Value	0	0	648,000,000
FINANCIAL ASSETS DESIGNATED AT FAIR VALUE THROUGH PROFIT OR LOSS	1,214,000,000	1,313,000,000	2,709,000,000
Financial Liabilities At Fair Value Through Profit Or Loss
Deposits at fair value through profit or loss	944,000,000	976,000,000	0
Debt securities at fair value through profit or loss	4,656,000,000	2,858,000,000	0
OtherFinancialLiabilitiesAndUnitLinkedProductsLiabilities	4,410,000,000	3,159,000,000	2,222,000,000
TOTAL Financial Liabilities At Fair Value Through Profit or Loss	€ 10,010,000,000	€ 6,993,000,000	€ 2,222,000,000

Note 13 - Financial assets at_3

Note 13 - Financial assets at fair value through other comprehensive income (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financial Assets At Fair Value Through Other Comprehensive Income Abstract
Financial Assets At Fair Value Through Other Comprehensive Income	€ 61,183,000,000	€ 56,337,000,000	€ 69,476,000,000
Equity instruments At Fair Value Through Other Comprehensive Income	2,420,000,000	2,595,000,000	4,488,000,000
Value corrections	0	0	(1,264,000,000)
Net Equity instruments At Fair Value Through Other Comprehensive Income	2,420,000,000	2,595,000,000	3,224,000,000
Debt Instruments At Fair Value Through Other Comprehensive Income	58,841,000,000	53,737,000,000	66,273,000,000
Value corrections debt securities	(110,000,000)	(28,000,000)	(21,000,000)
Net Debt Instruments At Fair Value Through Other Comprehensive Income	58,731,000,000	53,709,000,000	66,251,000,000
Loans and advances at fair value through other comprehensive income	€ 33,000,000	€ 33,000,000	€ 0

Note 13 - Financial assets at_4

Note 13 - Financial assets at fair value through other comprehensive income debt securities (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Issued in Euros [Member] | General Government [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	€ 20,740,000,000	€ 17,205,000,000	€ 22,765,000,000
Unrealized Gains debt securities available for sale financial assets	830,000,000	661,000,000	791,000,000
Unrealized losses debt securities available for sale financial assets	(20,000,000)	(9,000,000)	(17,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	21,550,000,000	17,857,000,000	23,539,000,000
Issued in Euros [Member] | Central Banks [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	0	0	0
Unrealized Gains debt securities available for sale financial assets	0	0	0
Unrealized losses debt securities available for sale financial assets	0	0	0
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	0	0	0
Issued in Euros [Member] | Credit Institutions [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	959,000,000	793,000,000	891,000,000
Unrealized Gains debt securities available for sale financial assets	65,000,000	63,000,000	72,000,000
Unrealized losses debt securities available for sale financial assets	0	0	0
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	1,024,000,000	855,000,000	962,000,000
Issued in Euros [Member] | Other Issuers [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	907,000,000	804,000,000	1,061,000,000
Unrealized Gains debt securities available for sale financial assets	40,000,000	37,000,000	43,000,000
Unrealized losses debt securities available for sale financial assets	0	(1,000,000)	0
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	947,000,000	841,000,000	1,103,000,000
Total domestic [Member] | Total Member
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	22,607,000,000	18,802,000,000	24,716,000,000
Unrealized Gains debt securities available for sale financial assets	935,000,000	761,000,000	906,000,000
Unrealized losses debt securities available for sale financial assets	(21,000,000)	(10,000,000)	(17,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	23,521,000,000	19,553,000,000	25,605,000,000
Mexico [Member] | Total Member
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	7,790,000,000	6,299,000,000	9,755,000,000
Unrealized Gains debt securities available for sale financial assets	22,000,000	6,000,000	45,000,000
Unrealized losses debt securities available for sale financial assets	(26,000,000)	(142,000,000)	(142,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	7,786,000,000	6,163,000,000	9,658,000,000
Mexico [Member] | General Government [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	6,869,000,000	5,286,000,000	8,101,000,000
Unrealized Gains debt securities available for sale financial assets	18,000,000	4,000,000	34,000,000
Unrealized losses debt securities available for sale financial assets	(19,000,000)	(121,000,000)	(120,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	6,868,000,000	5,169,000,000	8,015,000,000
Mexico [Member] | Central Banks [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	0	0	0
Unrealized Gains debt securities available for sale financial assets	0	0	0
Unrealized losses debt securities available for sale financial assets	0	0	0
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	0	0	0
Mexico [Member] | Credit Institutions [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	77,000,000	35,000,000	212,000,000
Unrealized Gains debt securities available for sale financial assets	2,000,000	0	1,000,000
Unrealized losses debt securities available for sale financial assets	0	(1,000,000)	(3,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	78,000,000	34,000,000	209,000,000
Mexico [Member] | Other Issuers [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	843,000,000	978,000,000	1,442,000,000
Unrealized Gains debt securities available for sale financial assets	2,000,000	2,000,000	10,000,000
Unrealized losses debt securities available for sale financial assets	(6,000,000)	(20,000,000)	(19,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	840,000,000	961,000,000	1,434,000,000
United States [Member] | Total Member
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	11,376,000,000	14,507,000,000	12,479,000,000
Unrealized Gains debt securities available for sale financial assets	68,000,000	47,000,000	36,000,000
Unrealized losses debt securities available for sale financial assets	(51,000,000)	(217,000,000)	(198,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	11,393,000,000	14,338,000,000	12,317,000,000
United States [Member] | General Government [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	8,570,000,000	11,227,000,000	8,625,000,000
Unrealized Gains debt securities available for sale financial assets	42,000,000	37,000,000	8,000,000
Unrealized losses debt securities available for sale financial assets	(12,000,000)	(135,000,000)	(133,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	8,599,000,000	11,130,000,000	8,500,000,000
United States [Member] | Total State Debt [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	5,595,000,000	7,285,000,000	3,052,000,000
Unrealized Gains debt securities available for sale financial assets	32,000,000	29,000,000	0
Unrealized losses debt securities available for sale financial assets	(2,000,000)	(56,000,000)	(34,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	5,624,000,000	7,258,000,000	3,018,000,000
United States [Member] | States And Political Subdivisions [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	2,975,000,000	3,942,000,000	5,573,000,000
Unrealized Gains debt securities available for sale financial assets	10,000,000	8,000,000	8,000,000
Unrealized losses debt securities available for sale financial assets	(10,000,000)	(79,000,000)	(99,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	2,975,000,000	3,872,000,000	5,482,000,000
United States [Member] | Central Banks [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	0	0	0
Unrealized Gains debt securities available for sale financial assets	0	0	0
Unrealized losses debt securities available for sale financial assets	0	0	0
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	0	0	0
United States [Member] | Credit Institutions [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	122,000,000	49,000,000	56,000,000
Unrealized Gains debt securities available for sale financial assets	2,000,000	1,000,000	1,000,000
Unrealized losses debt securities available for sale financial assets	0	0	0
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	124,000,000	50,000,000	57,000,000
United States [Member] | Other Issuers [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	2,684,000,000	3,231,000,000	3,798,000,000
Unrealized Gains debt securities available for sale financial assets	24,000,000	9,000,000	26,000,000
Unrealized losses debt securities available for sale financial assets	(39,000,000)	(82,000,000)	(65,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	2,670,000,000	3,158,000,000	3,759,000,000
Turkey [Member] | Total Member
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	3,752,000,000	4,164,000,000	5,052,000,000
Unrealized Gains debt securities available for sale financial assets	38,000,000	20,000,000	48,000,000
Unrealized losses debt securities available for sale financial assets	(76,000,000)	(269,000,000)	(115,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	3,713,000,000	3,916,000,000	4,985,000,000
Turkey [Member] | General Government [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	3,752,000,000	4,007,000,000	5,033,000,000
Unrealized Gains debt securities available for sale financial assets	38,000,000	20,000,000	48,000,000
Unrealized losses debt securities available for sale financial assets	(76,000,000)	(256,000,000)	(114,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	3,713,000,000	3,771,000,000	4,967,000,000
Turkey [Member] | Central Banks [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	0	0	0
Unrealized Gains debt securities available for sale financial assets	0	0	0
Unrealized losses debt securities available for sale financial assets	0	0	0
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	0	0	0
Turkey [Member] | Credit Institutions [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	0	157,000,000	19,000,000
Unrealized Gains debt securities available for sale financial assets	0	0	0
Unrealized losses debt securities available for sale financial assets	0	(13,000,000)	(1,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	0	145,000,000	19,000,000
Turkey [Member] | Other Issuers [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	0	0	0
Unrealized Gains debt securities available for sale financial assets	0	0	0
Unrealized losses debt securities available for sale financial assets	0	0	0
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	0	0	0
Other countries [Member] | Total Member
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	11,870,000,000	9,551,000,000	13,271,000,000
Unrealized Gains debt securities available for sale financial assets	554,000,000	319,000,000	533,000,000
Unrealized losses debt securities available for sale financial assets	(106,000,000)	(130,000,000)	(117,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	12,318,000,000	9,740,000,000	13,687,000,000
Other countries [Member] | General Government [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	6,963,000,000	4,510,000,000	6,774,000,000
Unrealized Gains debt securities available for sale financial assets	383,000,000	173,000,000	325,000,000
Unrealized losses debt securities available for sale financial assets	(78,000,000)	(82,000,000)	(77,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	7,269,000,000	4,601,000,000	7,022,000,000
Other countries [Member] | Central Banks [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	1,005,000,000	987,000,000	1,330,000,000
Unrealized Gains debt securities available for sale financial assets	9,000,000	2,000,000	2,000,000
Unrealized losses debt securities available for sale financial assets	(4,000,000)	(4,000,000)	(1,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	1,010,000,000	986,000,000	1,331,000,000
Other countries [Member] | Credit Institutions [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	1,795,000,000	1,856,000,000	2,535,000,000
Unrealized Gains debt securities available for sale financial assets	109,000,000	111,000,000	139,000,000
Unrealized losses debt securities available for sale financial assets	(12,000,000)	(20,000,000)	(19,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	1,892,000,000	1,947,000,000	2,654,000,000
Other countries [Member] | Other Issuers [Member]
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	2,106,000,000	2,197,000,000	2,632,000,000
Unrealized Gains debt securities available for sale financial assets	53,000,000	33,000,000	66,000,000
Unrealized losses debt securities available for sale financial assets	(12,000,000)	(25,000,000)	(19,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	2,147,000,000	2,206,000,000	2,679,000,000
Total foreign [Member] | Total Member
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	34,788,000,000	34,521,000,000	40,557,000,000
Unrealized Gains debt securities available for sale financial assets	681,000,000	392,000,000	661,000,000
Unrealized losses debt securities available for sale financial assets	(259,000,000)	(758,000,000)	(572,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	35,210,000,000	34,157,000,000	40,647,000,000
Total Domestic Foreign [Member] | Total Member
Available for sale financial assets debt securities [Line Items]
Amortized cost debt securities available for sale financial assets	57,395,000,000	53,323,000,000	65,273,000,000
Unrealized Gains debt securities available for sale financial assets	1,617,000,000	1,153,000,000	1,567,000,000
Unrealized losses debt securities available for sale financial assets	(280,000,000)	(768,000,000)	(589,000,000)
FairValueDebtSecuritiesAvailableForSaleFinancialAssets	€ 58,731,000,000	€ 53,709,000,000	€ 66,251,000,000

Note 13 - Financial assets at_5

Note 13 - Financial assets at fair value through other comprehensive income debt securities by rating (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
AAA [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 3,669,000,000	€ 531,000,000	€ 687,000,000
Percentage available for sale financial assets debt securities	6.24713%	0.98939%	1.00%
AA + [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 7,279,000,000	€ 13,100,000,000	€ 10,738,000,000
Percentage available for sale financial assets debt securities	12.3938%	24.39018%	16.20%
AA [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 317,000,000	€ 222,000,000	€ 507,000,000
Percentage available for sale financial assets debt securities	0.53975%	0.4129%	0.80%
AA - [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 265,000,000	€ 409,000,000	€ 291,000,000
Percentage available for sale financial assets debt securities	0.45121%	0.76178%	0.40%
A+ [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 3,367,000,000	€ 632,000,000	€ 664,000,000
Percentage available for sale financial assets debt securities	5.73292%	1.1768%	1.00%
A [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 12,895,000,000	€ 687,000,000	€ 683,000,000
Percentage available for sale financial assets debt securities	21.95604%	1.27824%	1.00%
A - [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 10,947,000,000	€ 18,426,000,000	€ 1,330,000,000
Percentage available for sale financial assets debt securities	18.63922%	34.30729%	2.00%
BBB + [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 9,946,000,000	€ 9,195,000,000	€ 35,175,000,000
Percentage available for sale financial assets debt securities	16.93484%	17.12006%	53.10%
BBB [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 2,966,000,000	€ 4,607,000,000	€ 7,958,000,000
Percentage available for sale financial assets debt securities	5.05014%	8.57849%	12.00%
BBB - [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 1,927,000,000	€ 1,003,000,000	€ 5,583,000,000
Percentage available for sale financial assets debt securities	3.28106%	1.86712%	8.40%
Bb [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 4,712,000,000	€ 4,453,000,000	€ 1,564,000,000
Percentage available for sale financial assets debt securities	8.02302%	8.29005%	2.40%
Without Rating [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 441,000,000	€ 445,000,000	€ 1,071,000,000
Percentage available for sale financial assets debt securities	0.75088%	0.82769%	1.60%
Total Exposures [Member]
Available for sale financial assets debt securities by rating [Line Items]
Subtotal Debt securities, available-for-sale	€ 58,731,000,000	€ 53,709,307,000	€ 66,251,000,000
Percentage available for sale financial assets debt securities	100.00%	100.00%	100.00%

Note 13 - Financial assets at_6

Note 13 - Financial assets at fair value through other comprehensive income equity instruments (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
National Company Shares [Member] | Total Member
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	€ 2,181,000,000	€ 2,172,000,000	€ 2,189,000,000
Unrealized Gains equity instruments available for sale financial assets	0	0	0
Unrealized losses equity instruments available for sale financial assets	(507,000,000)	(210,000,000)	(1,000,000)
Equity instruments, available-for-sale	1,674,000,000	1,962,000,000	2,188,000,000
Foreign Company Shares [Member] | United States [Member]
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	30,000,000	20,000,000	11,000,000
Unrealized Gains equity instruments available for sale financial assets	47,000,000	17,000,000	0
Unrealized losses equity instruments available for sale financial assets	0	0	0
Equity instruments, available-for-sale	78,000,000	37,000,000	11,000,000
Foreign Company Shares [Member] | Mexico [Member]
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	1,000,000	1,000,000	8,000,000
Unrealized Gains equity instruments available for sale financial assets	33,000,000	25,000,000	25,000,000
Unrealized losses equity instruments available for sale financial assets	0	0	0
Equity instruments, available-for-sale	34,000,000	26,000,000	33,000,000
Foreign Company Shares [Member] | Turkey [Member]
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	3,000,000	3,000,000	4,000,000
Unrealized Gains equity instruments available for sale financial assets	2,000,000	0	1,000,000
Unrealized losses equity instruments available for sale financial assets	0	(1,000,000)	0
Equity instruments, available-for-sale	5,000,000	2,000,000	5,000,000
Foreign Company Shares [Member] | Other countries [Member]
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	102,000,000	66,000,000	192,000,000
Unrealized Gains equity instruments available for sale financial assets	5,000,000	1,000,000	7,000,000
Unrealized losses equity instruments available for sale financial assets	(11,000,000)	(11,000,000)	(7,000,000)
Equity instruments, available-for-sale	96,000,000	56,000,000	192,000,000
Foreign Company Shares [Member] | Total Member
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	136,000,000	90,000,000	215,000,000
Unrealized Gains equity instruments available for sale financial assets	87,000,000	43,000,000	33,000,000
Unrealized losses equity instruments available for sale financial assets	(11,000,000)	(12,000,000)	(7,000,000)
Equity instruments, available-for-sale	213,000,000	121,000,000	241,000,000
Subtotal Listed Equity [Member] | Total Member
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	2,317,000,000	2,262,000,000	2,404,000,000
Unrealized Gains equity instruments available for sale financial assets	87,000,000	43,000,000	33,000,000
Unrealized losses equity instruments available for sale financial assets	(518,000,000)	(222,000,000)	(8,000,000)
Equity instruments, available-for-sale	1,886,000,000	2,083,000,000	2,429,000,000
National Company Shares Unlisted [Member] | Total Member
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	5,000,000	6,000,000	33,000,000
Unrealized Gains equity instruments available for sale financial assets	1,000,000	1,000,000	29,000,000
Unrealized losses equity instruments available for sale financial assets	0	0	0
Equity instruments, available-for-sale	5,000,000	7,000,000	62,000,000
Foreign Company Shares Unlisted [Member] | United States [Member]
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	387,000,000	388,000,000	498,000,000
Unrealized Gains equity instruments available for sale financial assets	32,000,000	23,000,000	40,000,000
Unrealized losses equity instruments available for sale financial assets	0	0	(6,000,000)
Equity instruments, available-for-sale	419,000,000	411,000,000	532,000,000
Foreign Company Shares Unlisted [Member] | Mexico [Member]
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	0	0	1,000,000
Unrealized Gains equity instruments available for sale financial assets	0	0	0
Unrealized losses equity instruments available for sale financial assets	0	0	0
Equity instruments, available-for-sale	0	0	1,000,000
Foreign Company Shares Unlisted [Member] | Turkey [Member]
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	5,000,000	6,000,000	15,000,000
Unrealized Gains equity instruments available for sale financial assets	4,000,000	4,000,000	6,000,000
Unrealized losses equity instruments available for sale financial assets	0	0	(2,000,000)
Equity instruments, available-for-sale	9,000,000	10,000,000	19,000,000
Foreign Company Shares Unlisted [Member] | Other countries [Member]
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	57,000,000	59,000,000	151,000,000
Unrealized Gains equity instruments available for sale financial assets	43,000,000	27,000,000	31,000,000
Unrealized losses equity instruments available for sale financial assets	(1,000,000)	(1,000,000)	0
Equity instruments, available-for-sale	99,000,000	85,000,000	182,000,000
Foreign Company Shares Unlisted [Member] | Total Member
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	450,000,000	453,000,000	665,000,000
Unrealized Gains equity instruments available for sale financial assets	79,000,000	54,000,000	77,000,000
Unrealized losses equity instruments available for sale financial assets	(1,000,000)	(1,000,000)	(8,000,000)
Equity instruments, available-for-sale	528,000,000	506,000,000	734,000,000
Subtotal Unlisted Equity [Member] | Total Member
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	454,000,000	459,000,000	698,000,000
Unrealized Gains equity instruments available for sale financial assets	80,000,000	55,000,000	106,000,000
Unrealized losses equity instruments available for sale financial assets	(1,000,000)	(1,000,000)	(8,000,000)
Equity instruments, available-for-sale	533,000,000	513,000,000	796,000,000
Total Member | Total Member
Available for sale financial assets equity instruments [Line Items]
Amortized cost equity instruments available for sale financial assets	2,772,000,000	2,721,000,000	3,102,000,000
Unrealized Gains equity instruments available for sale financial assets	167,000,000	98,000,000	139,000,000
Unrealized losses equity instruments available for sale financial assets	(519,000,000)	(223,000,000)	(16,000,000)
Equity instruments, available-for-sale	€ 2,420,000,000	€ 2,595,000,000	€ 3,224,000,000

Note 13 - Financial assets at_7

Note 13 - Financial assets at fair value through other comprehensive income - Accumulated other comprehensive income items that may be reclassified to profit or loss available for sale financial assets (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018
Debt Securities [Member]
Financial assets at fair value throught other comprehensive income Line Items
Total Financial Assets At The Beginning	€ 943,000,000	€ 1,557,000,000
Effects of changes in accounting policies IFRS 9	0	(58,000,000)
Valuation gains and losses	1,267,000,000	(640,000,000)
Amounts transferred to income	(119,000,000)	(137,000,000)
Other reclassifications financial assets at fair value	0	0
Income tax financial assets at fair value	(331,000,000)	221,000,000
Total Financial Assets At The End	1,760,000,000	943,000,000
Equity instruments [Member]
Financial assets at fair value throught other comprehensive income Line Items
Total Financial Assets At The Beginning	(155,000,000)	84,000,000
Effects of changes in accounting policies IFRS 9	0	(40,000,000)
Valuation gains and losses	(238,000,000)	(174,000,000)
Other reclassifications financial assets at fair value	0	0
Income tax financial assets at fair value	(10,000,000)	(25,000,000)
Total Financial Assets At The End	€ (403,000,000)	€ (155,000,000)

Note 14 - Financial assets at_3

Note 14 - Financial assets at amortised cost - Financial assets at amortised cost (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure Of Financial Assets At Amortised Cost Line Items
Debt Securities Financial Assets at Amortized Cost	€ 38,877,000,000	€ 32,530,000,000	€ 24,093,000,000
Loans and advances to central banks	4,275,000,000	3,941,000,000	7,300,000,000
Loans and advances to banks	13,649,000,000	9,163,000,000	26,261,000,000
Loans and Advances to customers	382,360,000,000	374,027,000,000	387,621,000,000
Public sector [Member]
Disclosure Of Financial Assets At Amortised Cost Line Items
Debt Securities Financial Assets at Amortized Cost	31,526,000,000	25,014,000,000	17,030,000,000
Credit Institutions [Member]
Disclosure Of Financial Assets At Amortised Cost Line Items
Debt Securities Financial Assets at Amortized Cost	719,000,000	644,000,000	1,152,000,000
Other sectors [Member]
Disclosure Of Financial Assets At Amortised Cost Line Items
Debt Securities Financial Assets at Amortized Cost	6,632,000,000	6,872,000,000	5,911,000,000
TemporalAssetAcquisitions [Member]
Disclosure Of Financial Assets At Amortised Cost Line Items
Loans and advances to banks	1,817,000,000	478,000,000	13,860,936,000
Other loans and advances [Member]
Disclosure Of Financial Assets At Amortised Cost Line Items
Loans and advances to banks	11,832,000,000	8,685,000,000	12,400,064,000
Government [Member]
Disclosure Of Financial Assets At Amortised Cost Line Items
Loans and Advances to customers	28,222,000,000	28,114,000,000	31,645,000,000
Financial societies [Member]
Disclosure Of Financial Assets At Amortised Cost Line Items
Loans and Advances to customers	11,207,000,000	9,468,484,000	18,173,000,000
Non financial societies [Member]
Disclosure Of Financial Assets At Amortised Cost Line Items
Loans and Advances to customers	166,789,000,000	163,922,000,000	164,510,000,000
Rest of clients [Member]
Disclosure Of Financial Assets At Amortised Cost Line Items
Loans and Advances to customers	176,142,000,000	172,522,000,000	173,293,000,000
Total Member
Disclosure Of Financial Assets At Amortised Cost Line Items
Debt Securities Financial Assets at Amortized Cost	38,877,000,000	32,530,000,000	24,093,000,000
Loans and advances to central banks	4,275,000,000	3,941,000,000	7,300,000,000
Loans and advances to banks	13,649,000,000	9,162,600,000	26,261,000,000
Loans and Advances to customers	382,360,000,000	374,026,535,000	387,621,000,000
Total Financial Assets At Amortised Cost	439,162,000,000	419,659,687,000	445,275,000,000
Of which impaired loans and advances to customers [Member]
Disclosure Of Financial Assets At Amortised Cost Line Items
Total Financial Assets At Amortised Cost	15,953,528,000	16,349,000,000	19,390,423,000
Of Which Loans And Advances Value Corrections [Member]
Disclosure Of Financial Assets At Amortised Cost Line Items
Total Financial Assets At Amortised Cost	(12,426,621,000)	(12,217,212,000)	(12,784,000,000)
Of which debt securities value corrections [Member]
Disclosure Of Financial Assets At Amortised Cost Line Items
Total Financial Assets At Amortised Cost	€ (52,000,000)	€ (50,534,000)	€ (15,000,000)

Note 14 - Financial assets at_4

Note 14 - Financial assets at amortised cost- Debt Securities At Amortized Cost (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018
Breakdown Securities By Institution [Member] | Total Amortized Assets [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	€ 38,877,000,000	€ 32,530,000,000
Unrealized Gains	1,077,000,000	556,000,000
Unrealized Losses	(160,000,000)	(706,000,000)
Fair Value	39,796,000,000	32,378,000,000
National Securities [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	12,755,000,000	10,953,000,000
Unrealized Gains	630,000,000	458,000,000
Unrealized Losses	(21,000,000)	(265,000,000)
Fair Value	13,363,000,000	11,146,000,000
Mexico [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	5,576,000,000	4,571,000,000
Unrealized Gains	166,000,000	9,000,000
Unrealized Losses	0	0
Fair Value	5,742,000,000	4,579,000,000
United States [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	5,690,000,000	2,070,000,000
Unrealized Gains	111,000,000	0
Unrealized Losses	(18,000,000)	0
Fair Value	5,783,000,000	2,070,000,000
Turkey [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	4,105,000,000	4,054,000,000
Unrealized Gains	47,000,000	0
Unrealized Losses	(65,000,000)	(261,000,000)
Fair Value	4,088,000,000	3,793,000,000
Other countries [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	3,400,000,000	3,366,000,000
Unrealized Gains	82,000,000	27,000,000
Unrealized Losses	(22,000,000)	(152,000,000)
Fair Value	3,459,000,000	3,242,000,000
Central Banks [Member] | National Securities [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	0	0
Unrealized Gains	0	0
Unrealized Losses	0	0
Fair Value	0	0
Central Banks [Member] | Mexico [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	0	0
Unrealized Gains	0	0
Unrealized Losses	0	0
Fair Value	0	0
Central Banks [Member] | United States [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	0	0
Unrealized Gains	0	0
Unrealized Losses	0	0
Fair Value	0	0
Central Banks [Member] | Turkey [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	0	0
Unrealized Gains	0	0
Unrealized Losses	0	0
Fair Value	0	0
Central Banks [Member] | Other countries [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	0	64,000,000
Unrealized Gains	0	0
Unrealized Losses	0	0
Fair Value	0	64,000,000
Credit Institutions [Member] | National Securities [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	26,000,000	53,000,000
Unrealized Gains	0	0
Unrealized Losses	0	0
Fair Value	26,000,000	53,000,000
Credit Institutions [Member] | Mexico [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	526,000,000	350,000,000
Unrealized Gains	2,000,000	1,000,000
Unrealized Losses	0	0
Fair Value	529,000,000	351,000,000
Credit Institutions [Member] | United States [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	25,000,000	23,000,000
Unrealized Gains	0	9,000,000
Unrealized Losses	(1,000,000)	(2,000,000)
Fair Value	25,000,000	30,000,000
Credit Institutions [Member] | Turkey [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	7,000,000	7,000,000
Unrealized Gains	1,000,000	0
Unrealized Losses	0	0
Fair Value	8,000,000	7,000,000
Credit Institutions [Member] | Other countries [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	135,000,000	147,000,000
Unrealized Gains	0	0
Unrealized Losses	0	0
Fair Value	135,000,000	147,000,000
Other Institutions [Member] | National Securities [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	4,903,000,000	5,014,000,000
Unrealized Gains	38,000,000	41,000,000
Unrealized Losses	(10,000,000)	(25,000,000)
Fair Value	4,931,000,000	5,030,000,000
Other Institutions [Member] | Mexico [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	272,000,000	227,000,000
Unrealized Gains	0	0
Unrealized Losses	(18,000,000)	0
Fair Value	254,000,000	227,000,000
Other Institutions [Member] | United States [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	410,000,000	466,000,000
Unrealized Gains	0	6,000,000
Unrealized Losses	(1,000,000)	(1,000,000)
Fair Value	409,000,000	470,000,000
Other Institutions [Member] | Turkey [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	1,000,000	1,000,000
Unrealized Gains	0	0
Unrealized Losses	0	0
Fair Value	1,000,000	1,000,000
Other Institutions [Member] | Other countries [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	1,047,000,000	1,164,000,000
Unrealized Gains	0	5,000,000
Unrealized Losses	(4,000,000)	0
Fair Value	1,043,000,000	1,169,000,000
Of Which: Treasury Debt And Other Government Agencies [Member] | United States [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	1,161,000,000	118,000,000
Unrealized Gains	50,000,000	0
Unrealized Losses	(17,000,000)	0
Fair Value	1,193,000,000	118,000,000
Of Which: Government And Political Subdivisions [Member] | United States [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	4,530,000,000	1,952,000,000
Unrealized Gains	61,000,000	0
Unrealized Losses	(1,000,000)	0
Fair Value	4,590,000,000	1,952,000,000
Subtotal [Member] | National Securities [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	17,684,000,000	16,019,000,000
Unrealized Gains	668,000,000	499,000,000
Unrealized Losses	(31,000,000)	(290,000,000)
Fair Value	18,320,000,000	16,228,000,000
Subtotal [Member] | Foreign Securities [Member]
Debt Securities At Amortized Cost Line Items
Amortized Cost	21,194,000,000	16,510,000,000
Unrealized Gains	409,000,000	57,000,000
Unrealized Losses	(129,000,000)	(416,000,000)
Fair Value	€ 21,476,000,000	€ 16,150,000,000

Note 14 - Financial assets at_5

Note 14 - Financial assets at amortised cost- Debt Securities by Rating (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
AAA
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 39,000,000	€ 49,000,000	€ 0
Percentage Amortized Cost Financial Assets Debt Securities By Rating	0.10%	0.20%	0.00%
AA Plus
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 6,481,000,000	€ 1,969,000,000	€ 0
Percentage Amortized Cost Financial Assets Debt Securities By Rating	16.70%	6.10%	0.00%
AA
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 14,000,000	€ 62,000,000	€ 41,000,000
Percentage Amortized Cost Financial Assets Debt Securities By Rating	0.00%	0.20%	0.30%
AA Minus
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 713,000,000	€ 0	€ 0
Percentage Amortized Cost Financial Assets Debt Securities By Rating	1.80%	0.00%	0.00%
A Plus
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 0	€ 607,000,000	€ 55,000,000
Percentage Amortized Cost Financial Assets Debt Securities By Rating	0.00%	1.90%	0.40%
A
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 16,806,000,000	€ 21,000,000	€ 0
Percentage Amortized Cost Financial Assets Debt Securities By Rating	43.20%	0.10%	0.00%
A Minus
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 607,000,000	€ 6,117,000,000	€ 0
Percentage Amortized Cost Financial Assets Debt Securities By Rating	1.60%	18.80%	0.00%
BBB Plus
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 3,715,000,000	€ 13,894,000,000	€ 5,667,000,000
Percentage Amortized Cost Financial Assets Debt Securities By Rating	9.60%	42.70%	41.20%
BBB
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 551,000,000	€ 1,623,000,000	€ 2,412,000,000
Percentage Amortized Cost Financial Assets Debt Securities By Rating	1.40%	5.00%	17.50%
BBB Minus
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 3,745,000,000	€ 2,694,000,000	€ 2,818,000,000
Percentage Amortized Cost Financial Assets Debt Securities By Rating	9.60%	8.30%	20.50%
BB Plus
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 5,123,000,000	€ 4,371,000,000	€ 1,696,000,000
Percentage Amortized Cost Financial Assets Debt Securities By Rating	13.20%	13.40%	12.30%
Without Rating [Member]
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 1,083,000,000	€ 1,123,000,000	€ 1,064,000,000
Percentage Amortized Cost Financial Assets Debt Securities By Rating	2.80%	3.50%	7.70%
Total Exposures [Member]
Financial Assets At Amortized Cost Debt Securities By Rating Line Items
Subtotal Debt Instruments at Amortized Cost	€ 38,877,000,000	€ 32,530,000,000	€ 13,754,000,000
Percentage Amortized Cost Financial Assets Debt Securities By Rating	100.00%	100.00%	100.00%

Note 14 - Financial assets at_6

Note 14 - Financial assets at amortised cost- Loans and advances to customers (Details) - Customers [Member] - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
On demand [Member]
Disclosure Of Loans And Receivables To Customers Line Items
Loans And Receivables	€ 3,050,000,000	€ 3,641,000,000	€ 10,560,000,000
Credit Card Debt [Member]
Disclosure Of Loans And Receivables To Customers Line Items
Loans And Receivables	16,354,000,000	15,445,000,000	15,835,000,000
Trade Receivables [Member]
Disclosure Of Loans And Receivables To Customers Line Items
Loans And Receivables	17,276,000,000	17,436,000,000	22,705,000,000
FinancialLeaseMember [Member]
Disclosure Of Loans And Receivables To Customers Line Items
Loans And Receivables	8,711,000,000	8,650,000,000	8,642,000,000
Repurchase Agreements [Member]
Disclosure Of Loans And Receivables To Customers Line Items
Loans And Receivables	26,000,000	294,000,000	11,554,000,000
Other Term Loans [Member]
Disclosure Of Loans And Receivables To Customers Line Items
Loans And Receivables	332,160,000,000	324,767,000,000	313,336,000,000
Advances That Are Not Loans [Member]
Disclosure Of Loans And Receivables To Customers Line Items
Loans And Receivables	4,784,000,000	3,794,000,000	4,989,000,000
Total Member
Disclosure Of Loans And Receivables To Customers Line Items
Loans And Receivables	€ 382,360,000,000	€ 374,027,000,000	€ 387,621,000,000

Note 14 - Financial assets at_7

Note 14 - Financial assets at amortised cost- Loans Interest Rate Sensitibility and advances to customers (Details)	Dec. 31, 2019EUR (€)
Fixed Interest Rate
Disclosure Of Loans Interest Rate Sensitivity And Advances To Customers LineItems
National Security	€ 55,920,000,000
Foreign Security	68,915,000,000
Total Financial Assets	124,835,000,000
Variable Interest Rate [Member]
Disclosure Of Loans Interest Rate Sensitivity And Advances To Customers LineItems
National Security	79,329,000,000
Foreign Security	97,765,000,000
Total Financial Assets	177,095,000,000
Total Member
Disclosure Of Loans Interest Rate Sensitivity And Advances To Customers LineItems
National Security	135,249,027,000
Foreign Security	166,680,285,000
Total Financial Assets	€ 301,929,312,000

Note 14 - Financial assets at_8

Note 14 - Financial assets at amortised cost- Securitized Loans (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure Of Loans And Receivables Abstract
Securitized Mortgage Assets	€ 26,169,000,000	€ 26,556,000,000	€ 28,950,000,000
Other Securitized Assets	4,249,000,000	3,221,000,000	4,143,000,000
Total Securitized Assets Loans	€ 30,418,000,000	€ 29,777,000,000	€ 33,093,000,000

Note 15 - Hedging derivatives_3

Note 15 - Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk - Derivatives Hedging Accounting (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Assets
HEDGING DERIVATIVES, ASSETS	€ 1,729,000,000	€ 2,892,000,000	€ 2,485,000,000
FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK, ASSETS	28,000,000	(21,000,000)	(25,000,000)
Liabilities Abstract
HEDGING DERIVATIVES, LIABILITIES	2,233,000,000	2,680,000,000	2,880,000,000
FAIR VALUE CHANGES OF THE HEDGED ITEMS IN PORTFOLIO HEDGES OF INTEREST RATE RISK, LIABILITIES	€ 0	€ 0	€ (7,000,000)

Note 15 - Hedging derivatives_4

Note 15 - Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk- Hedging Derivatives Breakdown (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	€ 1,729,000,000	€ 2,892,000,000	€ 2,485,000,000
HEDGING DERIVATIVES, LIABILITIES	2,233,000,000	2,680,000,000	2,880,000,000
Interest Rate Risk Member | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	920,000,000	982,000,000	1,141,000,000
HEDGING DERIVATIVES, LIABILITIES	488,000,000	513,000,000	850,000,000
Interest Rate Risk Member | OTC Options [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	920,000,000	982,000,000	1,141,000,000
HEDGING DERIVATIVES, LIABILITIES	488,000,000	513,000,000	850,000,000
Interest Rate Risk Member | Organized Market Options [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Equity Risk [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	6,000,000	0
HEDGING DERIVATIVES, LIABILITIES	3,000,000	0	0
Equity Risk [Member] | OTC Options [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	6,000,000	0
HEDGING DERIVATIVES, LIABILITIES	3,000,000	0	0
Equity Risk [Member] | Organized Market Options [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Foreign Exchange And Gold Risk [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	420,000,000	587,000,000	625,000,000
HEDGING DERIVATIVES, LIABILITIES	316,000,000	398,000,000	511,000,000
Foreign Exchange And Gold Risk [Member] | OTC Options [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	420,000,000	587,000,000	625,000,000
HEDGING DERIVATIVES, LIABILITIES	316,000,000	398,000,000	511,000,000
Foreign Exchange And Gold Risk [Member] | Organized Market Options [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Credit Risk Member | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Commodities Risk [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Other Risk [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Fair Value Risk [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	1,341,000,000	1,575,000,000	1,766,000,000
HEDGING DERIVATIVES, LIABILITIES	808,000,000	912,000,000	1,362,000,000
Interest Rate Risk Hedge Cash Flow [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	224,000,000	221,000,000	244,000,000
HEDGING DERIVATIVES, LIABILITIES	850,000,000	562,000,000	533,000,000
Interest Rate Risk Hedge Cash Flow [Member] | OTC Options [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	224,000,000	219,000,000	242,000,000
HEDGING DERIVATIVES, LIABILITIES	839,000,000	562,000,000	533,000,000
Interest Rate Risk Hedge Cash Flow [Member] | Organized Market Options [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	2,000,000	2,000,000
HEDGING DERIVATIVES, LIABILITIES	11,000,000	0	0
Equity Instruments Risk Hedge Cash Flow [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Equity Instruments Risk Hedge Cash Flow [Member] | OTC Options [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Equity Instruments Risk Hedge Cash Flow [Member] | Organized Market Options [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Foreign Exchange And Gold Risk Hedge Cash Flow [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	115,000,000	955,000,000	119,000,000
HEDGING DERIVATIVES, LIABILITIES	18,000,000	873,000,000	714,000,000
Foreign Exchange And Gold Risk Hedge Cash Flow [Member] | OTC Options [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	115,000,000	955,000,000	119,000,000
HEDGING DERIVATIVES, LIABILITIES	18,000,000	873,000,000	714,000,000
Foreign Exchange And Gold Risk Hedge Cash Flow [Member] | Organized Market Options [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Credit Risk Hedge Cash Flow [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Commodities Risk Hedge Cash Flow [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Other Risk Hedge Cash Flow [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	0	0
HEDGING DERIVATIVES, LIABILITIES	0	0	0
Cash Flow Risk [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	339,000,000	1,176,000,000	363,000,000
HEDGING DERIVATIVES, LIABILITIES	868,000,000	1,435,000,000	1,247,000,000
Hedge Of Net Investments In A Foreign Operation [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	12,000,000	92,000,000	301,000,000
HEDGING DERIVATIVES, LIABILITIES	242,000,000	231,000,000	15,000,000
Portfolio Fair Value Hedges Of Interest Rate Risk [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	37,000,000	33,000,000	46,000,000
HEDGING DERIVATIVES, LIABILITIES	216,000,000	90,000,000	256,000,000
Portfolio Cash Flow Hedges Of Interest Rate Risk [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	1,000,000	15,000,000	9,000,000
HEDGING DERIVATIVES, LIABILITIES	99,000,000	12,000,000	0
Hedge Derivates Accounting [Member] | Total Member
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	1,729,000,000	2,892,000,000	2,485,000,000
HEDGING DERIVATIVES, LIABILITIES	2,233,000,000	2,680,000,000	2,880,000,000
Hedge Derivates Accounting [Member] | OTC Credit Institutions [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	1,423,000,000	2,534,000,000	1,829,000,000
HEDGING DERIVATIVES, LIABILITIES	1,787,000,000	2,462,000,000	2,527,000,000
Hedge Derivates Accounting [Member] | OTC Other Financial Corporations [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	306,000,000	355,000,000	651,000,000
HEDGING DERIVATIVES, LIABILITIES	426,000,000	216,000,000	234,000,000
Hedge Derivates Accounting [Member] | OTC Other [Member]
Disclosure Of Detailed Information About Hedging Instruments Line Items
HEDGING DERIVATIVES, ASSETS	0	2,000,000	2,000,000
HEDGING DERIVATIVES, LIABILITIES	€ 8,000,000	€ 2,000,000	€ 120,000,000

Note 15 - Hedging derivatives_5

Note 15 - Hedging derivatives and fair value changes of the hedged items in portfolio hedge of interest rate risk- Cash Flows (Details)	12 Months Ended
	Dec. 31, 2019EUR (€)
Not Later Than Three Months Member
Disclosure Of Information About Terms And Conditions Of Hedging Instruments And How They Affect Future Cash Flows Line Items
Receivable Cash Inflows	€ 447,000,000
Payable Cash Outflows	395,000,000
Later Than Three Months And Not Later Than One Year Member
Disclosure Of Information About Terms And Conditions Of Hedging Instruments And How They Affect Future Cash Flows Line Items
Receivable Cash Inflows	488,000,000
Payable Cash Outflows	411,000,000
Later Than One Year And Not Later Than Five Years Member
Disclosure Of Information About Terms And Conditions Of Hedging Instruments And How They Affect Future Cash Flows Line Items
Receivable Cash Inflows	2,076,000,000
Payable Cash Outflows	2,223,000,000
Later Than Five Years [Member]
Disclosure Of Information About Terms And Conditions Of Hedging Instruments And How They Affect Future Cash Flows Line Items
Receivable Cash Inflows	2,061,000,000
Payable Cash Outflows	2,003,000,000
Total Member
Disclosure Of Information About Terms And Conditions Of Hedging Instruments And How They Affect Future Cash Flows Line Items
Receivable Cash Inflows	5,071,000,000
Payable Cash Outflows	€ 5,032,000,000

Note 16 - Investments in subs_2

Note 16 - Investments in subsidiaries, joint ventures and associates - Associates Entities and joint ventures - Breakdown by entities (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Investments In Subsidiaries Joint Ventures And Associates Line Items
Joint ventures	€ 154,000,000	€ 173,000,000	€ 256,000,000
Associates	1,334,000,000	1,405,000,000	1,332,000,000
INVESTMENTS IN SUBSIDIARIES JOINT VENTURES AND ASSOCIATES	1,488,000,000	1,578,000,000	1,588,000,000
Altura Markets S V S A [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Joint ventures	73,000,000	69,000,000	64,000,000
RCI Colombia [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Joint ventures	37,000,000	32,000,000	19,000,000
Desarrollo Metropolitano del Sur SV SA [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Joint ventures	14,000,000	13,000,000	12,000,000
Other Joint Ventures [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Joint ventures	30,000,000	59,000,000	160,000,000
Subtotal Joint Ventures [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Joint ventures	154,000,000	173,000,000	256,000,000
Divarian Propiedad S A U [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Associates	630,000,000	591,000,000	0
Metrovacesa Promocion y Arrendamientos S A [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Associates	443,000,000	508,000,000	697,000,000
Atom Bank PLC [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Associates	136,000,000	138,000,000	66,000,000
Solarisbank AG [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Associates	36,000,000	37,000,000	0
Cofides [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Associates	23,000,000	22,000,000	21,000,000
Redsys Servicios de Procesamiento SL [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Associates	14,000,000	12,000,000	10,000,000
Servicios Electronicos Globales SA [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Associates	11,000,000	9,000,000	6,000,000
Other associates [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Associates	41,000,000	88,000,000	533,000,000
Subtotal [Member]
Investments In Subsidiaries Joint Ventures And Associates Line Items
Associates	1,334,000,000	1,405,000,000	1,332,000,000
Total Member
Investments In Subsidiaries Joint Ventures And Associates Line Items
INVESTMENTS IN SUBSIDIARIES JOINT VENTURES AND ASSOCIATES	€ 1,488,000,000	€ 1,578,000,000	€ 1,588,000,000

Note 16 - Investments in subs_3

Note 16 - Investments in subsidiaries, joint ventures and associates - Associates Entities and joint ventures - Changes in the Year (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Investments in subsidiaries, joint ventures and associates
Investments In Subsidiaries Joint VenturesAnd Associates At The Beginning	€ 1,578,000,000	€ 1,588,000,000	€ 765,000,000
Acquisitions And Capital Increases	161,000,000	309,000,000	868,000,000
Disposals And Capital Reductions	(149,000,000)	(516,000,000)	(8,000,000)
Transfers And Changes Of Consolidation method	(27,000,000)	211,000,000	0
Share Of Profit And Loss	(42,000,000)	(7,000,000)	4,000,000
Exchange Differences	10,000,000	2,000,000	(29,000,000)
Dividends Valuation Adjustments And Others	(43,000,000)	(8,000,000)	(12,000,000)
Investments In Subsidiaries Joint Ventures And Associates At The End	€ 1,488,000,000	€ 1,578,000,000	€ 1,588,000,000

Note 17 - Tangible assets (Deta

Note 17 - Tangible assets (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		€ 7,229,000,000	€ 7,191,000,000
Changes In Tangible Assets Abstract
Tangible Assets At The End		10,068,000,000	7,229,000,000	€ 7,191,000,000
Land And Buildings [Member] | Gross carrying amount [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		5,939,000,000	5,490,000,000	6,176,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		90,000,000	445,000,000	49,000,000
Retirements Tangible Assets		(44,000,000)	(98,000,000)	(42,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	0
Transfers Tangible Assets		(41,000,000)	64,000,000	(273,000,000)
Exchange differences and other tangible assets		57,000,000	38,000,000	(420,000,000)
Tangible Assets At The End		6,001,000,000	5,939,000,000	5,490,000,000
Land And Buildings [Member] | Accrued Depreciation [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		1,138,000,000	1,076,000,000	1,116,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		126,000,000	120,000,000	127,000,000
Retirements Tangible Assets		(38,000,000)	(36,000,000)	(26,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	(3,000,000)	0
Transfers Tangible Assets		(16,000,000)	(31,000,000)	(53,000,000)
Exchange differences and other tangible assets		43,000,000	12,000,000	(88,000,000)
Tangible Assets At The End		1,253,000,000	1,138,000,000	1,076,000,000
Land And Buildings [Member] | Impairment member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		217,000,000	315,000,000	379,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		14,000,000	30,000,000	5,000,000
Retirements Tangible Assets		(3,000,000)	0	(2,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	0
Transfers Tangible Assets		(16,000,000)	(77,000,000)	(58,000,000)
Exchange differences and other tangible assets		0	(51,000,000)	(9,000,000)
Tangible Assets At The End		212,000,000	217,000,000	315,000,000
Land And Buildings [Member] | Carrying Amount Member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		4,584,000,000	4,099,000,000	4,681,000,000
Changes In Tangible Assets Abstract
Tangible Assets Beggining		4,584,000,000	4,099,000,000	4,681,000,000
Tangible Assets End		4,536,000,000	4,584,000,000	4,099,000,000
Tangible Assets At The End		4,536,000,000	4,584,000,000	4,099,000,000
Work In Progress Member [Member] | Gross carrying amount [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		70,000,000	234,000,000	240,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		63,000,000	78,000,000	128,000,000
Retirements Tangible Assets		(20,000,000)	(17,000,000)	(29,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	0
Transfers Tangible Assets		(51,000,000)	(177,000,000)	(57,000,000)
Exchange differences and other tangible assets		(6,000,000)	(48,000,000)	(48,000,000)
Tangible Assets At The End		56,000,000	70,000,000	234,000,000
Work In Progress Member [Member] | Accrued Depreciation [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		0	0	0
Changes In Tangible Assets Abstract
Additions Tangible Assets		0	0	0
Retirements Tangible Assets		0	0	0
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	0
Transfers Tangible Assets		0	0	0
Exchange differences and other tangible assets		0	0	0
Tangible Assets At The End		0	0	0
Work In Progress Member [Member] | Impairment member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		0	0	0
Changes In Tangible Assets Abstract
Additions Tangible Assets		0	0	0
Retirements Tangible Assets		0	0	0
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	0
Transfers Tangible Assets		0	0	0
Exchange differences and other tangible assets		0	0	0
Tangible Assets At The End		0	0	0
Work In Progress Member [Member] | Carrying Amount Member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		70,000,000	234,000,000	240,000,000
Changes In Tangible Assets Abstract
Tangible Assets Beggining		70,000,000	234,000,000	240,000,000
Tangible Assets End		56,000,000	70,000,000	234,000,000
Tangible Assets At The End		56,000,000	70,000,000	234,000,000
Furniture Fixtures And Vehicles [Member] | Gross carrying amount [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		6,314,000,000	6,628,000,000	7,059,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		335,000,000	404,000,000	397,000,000
Retirements Tangible Assets		(302,000,000)	(492,000,000)	(264,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	0
Transfers Tangible Assets		(8,000,000)	(12,000,000)	(186,000,000)
Exchange differences and other tangible assets		12,000,000	(214,000,000)	(378,000,000)
Tangible Assets At The End		6,351,000,000	6,314,000,000	6,628,000,000
Furniture Fixtures And Vehicles [Member] | Accrued Depreciation [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		4,212,000,000	4,380,000,000	4,461,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		457,000,000	469,000,000	553,000,000
Retirements Tangible Assets		(255,000,000)	(403,000,000)	(235,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	0
Transfers Tangible Assets		(13,000,000)	(22,000,000)	(146,000,000)
Exchange differences and other tangible assets		(57,000,000)	(212,000,000)	(253,000,000)
Tangible Assets At The End		4,344,000,000	4,212,000,000	4,380,000,000
Furniture Fixtures And Vehicles [Member] | Impairment member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		0	0	0
Changes In Tangible Assets Abstract
Additions Tangible Assets		20,000,000	0	0
Retirements Tangible Assets		0	0	0
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	0
Transfers Tangible Assets		0	0	0
Exchange differences and other tangible assets		(20,000,000)	0	0
Tangible Assets At The End		0	0	0
Furniture Fixtures And Vehicles [Member] | Carrying Amount Member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		2,102,000,000	2,248,000,000	2,598,000,000
Changes In Tangible Assets Abstract
Tangible Assets Beggining		2,102,000,000	2,248,000,000	2,598,000,000
Tangible Assets End		2,007,000,000	2,102,000,000	2,248,000,000
Tangible Assets At The End		2,007,000,000	2,102,000,000	2,248,000,000
For Own Use Tangible Assets [Member] | Gross carrying amount [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		12,323,000,000	12,352,000,000	13,473,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets			927,000,000	574,000,000
Retirements Tangible Assets			(607,000,000)	(335,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets			0	0
Disposals Of Entities In The Year Tangible Assets			0	0
Transfers Tangible Assets			(125,000,000)	(516,000,000)
Exchange differences and other tangible assets			(224,000,000)	(844,000,000)
Tangible Assets At The End			12,323,000,000	12,352,000,000
For Own Use Tangible Assets [Member] | Accrued Depreciation [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		5,350,000,000	5,456,000,000	5,577,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets			589,000,000	680,000,000
Retirements Tangible Assets			(439,000,000)	(261,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets			0	0
Disposals Of Entities In The Year Tangible Assets			(3,000,000)	0
Transfers Tangible Assets			(53,000,000)	(199,000,000)
Exchange differences and other tangible assets			(200,000,000)	(341,000,000)
Tangible Assets At The End			5,350,000,000	5,456,000,000
For Own Use Tangible Assets [Member] | Impairment member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		217,000,000	315,000,000	379,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets			30,000,000	5,000,000
Retirements Tangible Assets			0	(2,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets			0	0
Disposals Of Entities In The Year Tangible Assets			0	0
Transfers Tangible Assets			(77,000,000)	(58,000,000)
Exchange differences and other tangible assets			(51,000,000)	(9,000,000)
Tangible Assets At The End			217,000,000	315,000,000
For Own Use Tangible Assets [Member] | Carrying Amount Member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		6,756,000,000	6,581,000,000	7,519,000,000
Changes In Tangible Assets Abstract
Tangible Assets Beggining			6,581,000,000	7,519,000,000
Tangible Assets End			6,756,000,000	6,581,000,000
Tangible Assets At The End			6,756,000,000	6,581,000,000
For Own Use Tangible Assets [Member] | Use right [Member] | Gross carrying amount [Member]
Changes In Tangible Assets Abstract
Additions Tangible Assets	[1]	3,574,000,000
Retirements Tangible Assets	[1]	(57,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets	[1]	0
Disposals Of Entities In The Year Tangible Assets	[1]	0
Transfers Tangible Assets	[1]	(1,000,000)
Exchange differences and other tangible assets	[1]	0
Tangible Assets At The End		3,516,000,000
For Own Use Tangible Assets [Member] | Use right [Member] | Accrued Depreciation [Member]
Changes In Tangible Assets Abstract
Additions Tangible Assets	[1]	381,000,000
Retirements Tangible Assets	[1]	(3,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets	[1]	0
Disposals Of Entities In The Year Tangible Assets	[1]	0
Transfers Tangible Assets	[1]	(1,000,000)
Exchange differences and other tangible assets	[1]	(7,000,000)
Tangible Assets At The End		370,000,000
For Own Use Tangible Assets [Member] | Use right [Member] | Impairment member
Changes In Tangible Assets Abstract
Additions Tangible Assets	[1]	60,000,000
Retirements Tangible Assets	[1]	0
Acquisition Of Subsidiaries In The Year Tangible Assets	[1]	0
Disposals Of Entities In The Year Tangible Assets	[1]	0
Transfers Tangible Assets	[1]	127,000,000
Exchange differences and other tangible assets	[1]	4,000,000
Tangible Assets At The End		191,000,000
For Own Use Tangible Assets [Member] | Use right [Member] | Carrying Amount Member
Changes In Tangible Assets Abstract
Tangible Assets Beggining	[2]	0
Tangible Assets End	[2]	2,955,000,000
Tangible Assets At The End		2,955,000,000
For Own Use Investment Property [Member] | Use right [Member] | Gross carrying amount [Member]
Changes In Tangible Assets Abstract
Additions Tangible Assets	[3]	101,000,000
Retirements Tangible Assets	[3]	0
Acquisition Of Subsidiaries In The Year Tangible Assets	[3]	0
Disposals Of Entities In The Year Tangible Assets	[3]	0
Transfers Tangible Assets	[3]	0
Exchange differences and other tangible assets	[3]	0
Tangible Assets At The End		101,000,000
For Own Use Investment Property [Member] | Use right [Member] | Accrued Depreciation [Member]
Changes In Tangible Assets Abstract
Additions Tangible Assets	[3]	11,000,000
Retirements Tangible Assets	[3]	0
Acquisition Of Subsidiaries In The Year Tangible Assets	[3]	0
Disposals Of Entities In The Year Tangible Assets	[3]	0
Transfers Tangible Assets	[3]	0
Exchange differences and other tangible assets	[3]	0
Tangible Assets At The End		11,000,000
For Own Use Investment Property [Member] | Use right [Member] | Impairment member
Changes In Tangible Assets Abstract
Additions Tangible Assets	[3]	0
Retirements Tangible Assets	[3]	0
Acquisition Of Subsidiaries In The Year Tangible Assets	[3]	0
Disposals Of Entities In The Year Tangible Assets	[3]	0
Transfers Tangible Assets	[3]	14,000,000
Exchange differences and other tangible assets	[3]	0
Tangible Assets At The End		14,000,000
For Own Use Investment Property [Member] | Use right [Member] | Carrying Amount Member
Changes In Tangible Assets Abstract
Tangible Assets Beggining	[4]	0
Tangible Assets End	[4]	76,000,000
Tangible Assets At The End		76,000,000
Investment Property [Member] | Gross carrying amount [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		201,000,000	228,000,000	1,163,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		12,000,000	11,000,000	1,000,000
Retirements Tangible Assets		(10,000,000)	(149,000,000)	(90,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	0
Transfers Tangible Assets		13,000,000	(5,000,000)	(698,000,000)
Exchange differences and other tangible assets		0	116,000,000	(148,000,000)
Tangible Assets At The End		216,000,000	201,000,000	228,000,000
Investment Property [Member] | Accrued Depreciation [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		11,000,000	13,000,000	63,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		4,000,000	5,000,000	13,000,000
Retirements Tangible Assets		0	(8,000,000)	(7,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	0
Transfers Tangible Assets		0	(2,000,000)	(31,000,000)
Exchange differences and other tangible assets		0	3,000,000	(25,000,000)
Tangible Assets At The End		15,000,000	11,000,000	13,000,000
Investment Property [Member] | Impairment member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		27,000,000	20,000,000	409,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		0	(25,000,000)	37,000,000
Retirements Tangible Assets		0	(27,000,000)	(10,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	0
Transfers Tangible Assets		(4,000,000)	(3,000,000)	(276,000,000)
Exchange differences and other tangible assets		3,000,000	62,000,000	(140,000,000)
Tangible Assets At The End		26,000,000	27,000,000	20,000,000
Investment Property [Member] | Carrying Amount Member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		163,000,000	195,000,000	691,000,000
Changes In Tangible Assets Abstract
Tangible Assets Beggining		163,000,000	195,000,000	691,000,000
Tangible Assets End		175,000,000	163,000,000	195,000,000
Tangible Assets At The End		175,000,000	163,000,000	195,000,000
Assests Leased Out Under An Operating Lease [Member] | Gross carrying amount [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		386,000,000	492,000,000	958,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		0	0	201,000,000
Retirements Tangible Assets		0	(1,000,000)	(93,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	(552,000,000)
Transfers Tangible Assets		0	0	0
Exchange differences and other tangible assets		(49,000,000)	(105,000,000)	(22,000,000)
Tangible Assets At The End		337,000,000	386,000,000	492,000,000
Assests Leased Out Under An Operating Lease [Member] | Accrued Depreciation [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		76,000,000	77,000,000	216,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		0	0	0
Retirements Tangible Assets		0	0	(21,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	(134,000,000)
Transfers Tangible Assets		0	0	0
Exchange differences and other tangible assets		(2,000,000)	(1,000,000)	16,000,000
Tangible Assets At The End		74,000,000	76,000,000	77,000,000
Assests Leased Out Under An Operating Lease [Member] | Impairment member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		0	0	10,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		0	0	0
Retirements Tangible Assets		0	0	0
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	(10,000,000)
Transfers Tangible Assets		0	0	0
Exchange differences and other tangible assets		0	0	0
Tangible Assets At The End		0	0	0
Assests Leased Out Under An Operating Lease [Member] | Carrying Amount Member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		310,000,000	415,000,000	732,000,000
Changes In Tangible Assets Abstract
Tangible Assets Beggining		310,000,000	415,000,000	732,000,000
Tangible Assets End		263,000,000	310,000,000	415,000,000
Tangible Assets At The End		263,000,000	310,000,000	415,000,000
Total Member | Gross carrying amount [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		12,910,000,000	13,072,000,000	15,594,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		4,175,000,000	938,000,000	776,000,000
Retirements Tangible Assets		(433,000,000)	(757,000,000)	(518,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	(552,000,000)
Transfers Tangible Assets		(88,000,000)	(130,000,000)	(1,214,000,000)
Exchange differences and other tangible assets		14,000,000	(213,000,000)	(1,014,000,000)
Tangible Assets At The End		16,578,000,000	12,910,000,000	13,072,000,000
Total Member | Accrued Depreciation [Member]
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		5,437,000,000	5,546,000,000	5,856,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		979,000,000	594,000,000	693,000,000
Retirements Tangible Assets		(296,000,000)	(447,000,000)	(289,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	(3,000,000)	(134,000,000)
Transfers Tangible Assets		(30,000,000)	(55,000,000)	(230,000,000)
Exchange differences and other tangible assets		(23,000,000)	(198,000,000)	(350,000,000)
Tangible Assets At The End		6,067,000,000	5,437,000,000	5,546,000,000
Total Member | Impairment member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		244,000,000	335,000,000	798,000,000
Changes In Tangible Assets Abstract
Additions Tangible Assets		94,000,000	5,000,000	42,000,000
Retirements Tangible Assets		(3,000,000)	(27,000,000)	(12,000,000)
Acquisition Of Subsidiaries In The Year Tangible Assets		0	0	0
Disposals Of Entities In The Year Tangible Assets		0	0	(10,000,000)
Transfers Tangible Assets		121,000,000	(80,000,000)	(334,000,000)
Exchange differences and other tangible assets		(13,000,000)	11,000,000	(149,000,000)
Tangible Assets At The End		443,000,000	244,000,000	335,000,000
Total Member | Carrying Amount Member
Reconciliation Of Changes In Tangible Assets Abstract
Tangible Assets At The Beginning		7,229,000,000	7,191,000,000	8,941,000,000
Changes In Tangible Assets Abstract
Tangible Assets Beggining		7,229,000,000	7,191,000,000	8,941,000,000
Tangible Assets End		10,068,000,000	7,229,000,000	7,191,000,000
Tangible Assets At The End		€ 10,068,000,000	€ 7,229,000,000	€ 7,191,000,000
[1]	(*) The right to use is included at the date of implementation of IFRS 16 as of January 1, 2019. The right to use asset consists mainly of the rental of commercial real estate premises for central services and the network branches located in the countries where the Group operates whose average term is between 5 and 20 years. The clauses included in rental contracts correspond to a large extent to rental contracts under normal market conditions in the country where the property is rented (see Note 2.3). During 2019, there have been no significant changes in the right to use assets for leases.
[2]	(*) The right to use is included at the date of implementation of IFRS 16 as of January 1, 2019. The right to use asset consists mainly of the rental of commercial real estate premises for central services and the network branches located in the countries where the Group operates whose average term is between 5 and 20 years. The clauses included in rental contracts correspond to a large extent to rental contracts under normal market conditions in the country where the property is rented (see Note 2.3). During 2019, there have been no significant changes in the right to use assets for leases.
[3]	(*) The right to use is included at the date of implementation of IFRS 16 as of January 1, 2019. The right to use asset consists mainly of the rental of commercial real estate premises for central services and the network branches located in the countries where the Group operates whose average term is between 5 and 20 years. The clauses included in rental contracts correspond to a large extent to rental contracts under normal market conditions in the country where the property is rented (see Note 2.3). During 2019, there have been no significant changes in the right to use assets for leases.
[4]	(*) The right to use is included at the date of implementation of IFRS 16 as of January 1, 2019. The right to use asset consists mainly of the rental of commercial real estate premises for central services and the network branches located in the countries where the Group operates whose average term is between 5 and 20 years. The clauses included in rental contracts correspond to a large extent to rental contracts under normal market conditions in the country where the property is rented (see Note 2.3). During 2019, there have been no significant changes in the right to use assets for leases.

Note 17 - Tangible assets- Bran

Note 17 - Tangible assets- Branches by geographic location (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Spain [Member]
Branches By Geographical Location Line Items
Total Branches	2,642,000,000	2,840,000,000	3,019,000,000
Mexico [Member]
Branches By Geographical Location Line Items
Total Branches	1,860,000,000	1,836,000,000	1,840,000,000
South America [Member]
Branches By Geographical Location Line Items
Total Branches	1,530,000,000	1,543,000,000	1,631,000,000
United States [Member]
Branches By Geographical Location Line Items
Total Branches	643,000,000	646,000,000	651,000,000
Turkey [Member]
Branches By Geographical Location Line Items
Total Branches	1,038,000,000	1,066,000,000	1,095,000,000
Rest Of Eurasia [Member]
Branches By Geographical Location Line Items
Total Branches	31,000,000	32,000,000	35,000,000
Total Member
Branches By Geographical Location Line Items
Total Branches	7,744,000,000	7,963,000,000	8,271,000,000

Note 17 - Tangible assets- Subs

Note 17 - Tangible assets- Subsidiaries (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Tangible Assets By Geography Line Items
Tangible Assets	€ 10,068,000,000	€ 7,229,000,000	€ 7,191,000,000
Issued in Euros [Member]
Tangible Assets By Geography Line Items
Tangible Assets	4,865,000,000	2,705,000,000	2,574,000,000
Total foreign [Member]
Tangible Assets By Geography Line Items
Tangible Assets	5,203,000,000	4,524,000,000	4,617,000,000
Total Member
Tangible Assets By Geography Line Items
Tangible Assets	€ 10,068,000,000	€ 7,229,000,000	€ 7,191,000,000

Note 18 - Intangible assets - G

Note 18 - Intangible assets - Goodwill - Breakdown by CGU and Changes of the year - Reconciliation Of Changes In Goodwill (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2016
United States [Member]
Reconciliation Of Changes In Goodwill Line Items
Goodwill At The Beggining Of The Period	€ 3,846,000,000	€ 4,837,000,000	€ 5,503,000,000
Intangible Assets and Goodwill
Increase Decrease Through Transfers And Other Changes Goodwill		0	0	€ 0
Increase Decrease Through Net Exchange Differences Goodwill		98,000,000	229,000,000	(666,247,092.212063)
Impairment Loss Recognised In Profit Or Loss Goodwill		(1,318,000,000)	0	0
Additional Recognition Goodwill		0	0	0
Goodwill At The End Of The Period		5,066,000,000	4,837,000,000	5,503,000,000
Turkey [Member]
Reconciliation Of Changes In Goodwill Line Items
Goodwill At The Beggining Of The Period	346,000,000	509,000,000	624,000,000
Intangible Assets and Goodwill
Increase Decrease Through Transfers And Other Changes Goodwill		0	0	0
Increase Decrease Through Net Exchange Differences Goodwill		(36,000,000)	(127,000,000)	(115,165,263.097841)
Impairment Loss Recognised In Profit Or Loss Goodwill		0	0	0
Additional Recognition Goodwill		0	0	0
Goodwill At The End Of The Period		382,000,000	509,000,000	624,000,000
Mexico [Member]
Reconciliation Of Changes In Goodwill Line Items
Goodwill At The Beggining Of The Period	550,000,000	493,000,000	523,000,000
Intangible Assets and Goodwill
Increase Decrease Through Transfers And Other Changes Goodwill		0	0	23,650,000
Increase Decrease Through Net Exchange Differences Goodwill		31,000,000	26,000,000	(43,866,617.197272)
Impairment Loss Recognised In Profit Or Loss Goodwill		0	0	0
Additional Recognition Goodwill		0	0	(9,911,999.99999998)
Goodwill At The End Of The Period		519,000,000	493,000,000	523,000,000
Colombia [Member]
Reconciliation Of Changes In Goodwill Line Items
Goodwill At The Beggining Of The Period	164,000,000	168,000,000	191,000,000
Intangible Assets and Goodwill
Increase Decrease Through Transfers And Other Changes Goodwill		0	0	0
Increase Decrease Through Net Exchange Differences Goodwill		3,000,000	(7,000,000)	(22,331,100.6206111)
Impairment Loss Recognised In Profit Or Loss Goodwill		0	0	0
Additional Recognition Goodwill		0	0	0
Goodwill At The End Of The Period		161,000,000	168,000,000	191,000,000
Chile [Member]
Reconciliation Of Changes In Goodwill Line Items
Goodwill At The Beggining Of The Period	27,000,000	32,000,000	68,000,000
Intangible Assets and Goodwill
Increase Decrease Through Transfers And Other Changes Goodwill		0	0	0
Increase Decrease Through Net Exchange Differences Goodwill		(2,000,000)	(3,000,000)	(3,117,694.13969568)
Impairment Loss Recognised In Profit Or Loss Goodwill		0	0	0
Additional Recognition Goodwill		0	0	(33,359,000)
Goodwill At The End Of The Period		29,000,000	32,000,000	68,000,000
Rest [Member]
Reconciliation Of Changes In Goodwill Line Items
Goodwill At The Beggining Of The Period	22,000,000	23,000,000	28,000,000
Intangible Assets and Goodwill
Increase Decrease Through Transfers And Other Changes Goodwill		0	0	0
Increase Decrease Through Net Exchange Differences Goodwill		(1,000,000)	0	(688,120.933380764)
Impairment Loss Recognised In Profit Or Loss Goodwill		0	0	(4,178,000)
Additional Recognition Goodwill		0	0	0
Goodwill At The End Of The Period		23,000,000	23,000,000	28,000,000
Total Member
Reconciliation Of Changes In Goodwill Line Items
Goodwill At The Beggining Of The Period	€ 4,955,000,000	6,062,000,000	6,937,000,000
Intangible Assets and Goodwill
Increase Decrease Through Transfers And Other Changes Goodwill		0	0	23,650,000
Increase Decrease Through Net Exchange Differences Goodwill		93,000,000	118,000,000	(851,415,888.200864)
Impairment Loss Recognised In Profit Or Loss Goodwill		(1,318,000,000)	0	(4,178,000)
Additional Recognition Goodwill		0	0	(43,271,000)
Goodwill At The End Of The Period		€ 6,180,000,000	€ 6,062,000,000	€ 6,937,000,000

Nota 18 - Intangible assets. Im

Nota 18 - Intangible assets. Impairment test hypotheses CGU Goodwill in the United States and Turkey (Details)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
United States [Member]
Disclosure Of Impairment Test Hypotheses Line Items
Description Of Discount Rates Applied To Cash Flow Projections	10.00%	10.50%	10.00%
Description Of Growth Rate Used To Extrapolate Cash Flow Projections	3.50%	4.00%	4.00%
Turkey [Member]
Disclosure Of Impairment Test Hypotheses Line Items
Description Of Discount Rates Applied To Cash Flow Projections	17.40%	24.30%	18.00%
Description Of Growth Rate Used To Extrapolate Cash Flow Projections	7.00%	7.00%	7.00%

Note 18 - Intangible assets Se

Note 18 - Intangible assets Sensitivity analysis (Details) - EUR (€)	Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
United States [Member] | Impact Of An Increase 50 Percent Basis Point [Member] | Discount Rate [Member]
Disclosure of sensitivity analysis for main assumptions Line Items
Discount rates applied to cash flow projections percentage	€ (871,000,000)	[1]	€ (1,009,000,000)	[2]	€ (1,159,000,000)	[3]
United States [Member] | Impact Of An Increase 50 Percent Basis Point [Member] | Sustainable Growth Rate [Member]
Disclosure of sensitivity analysis for main assumptions Line Items
Discount rates applied to cash flow projections percentage	340,000,000	[1]	526,000,000	[2]	661,000,000	[3]
United States [Member] | Impact Of A Decrease 50 Percent Basis Point [Member] | Discount Rate [Member]
Disclosure of sensitivity analysis for main assumptions Line Items
Discount rates applied to cash flow projections percentage	1,017,000,000	[1]	1,176,000,000	[2]	1,371,000,000	[3]
United States [Member] | Impact Of A Decrease 50 Percent Basis Point [Member] | Sustainable Growth Rate [Member]
Disclosure of sensitivity analysis for main assumptions Line Items
Discount rates applied to cash flow projections percentage	(292,000,000)	[1]	(451,000,000)	[2]	(559,000,000)	[3]
Turkey [Member] | Impact Of An Increase 50 Percent Basis Point [Member] | Discount Rate [Member]
Disclosure of sensitivity analysis for main assumptions Line Items
Discount rates applied to cash flow projections percentage	(192,000,000)		(149,000,000)	[4]	(298,000,000)	[5]
Turkey [Member] | Impact Of An Increase 50 Percent Basis Point [Member] | Sustainable Growth Rate [Member]
Disclosure of sensitivity analysis for main assumptions Line Items
Discount rates applied to cash flow projections percentage	31,000,000		40,000,000	[4]	214,000,000	[5]
Turkey [Member] | Impact Of A Decrease 50 Percent Basis Point [Member] | Discount Rate [Member]
Disclosure of sensitivity analysis for main assumptions Line Items
Discount rates applied to cash flow projections percentage	212,000,000		158,000,000	[4]	327,000,000	[5]
Turkey [Member] | Impact Of A Decrease 50 Percent Basis Point [Member] | Sustainable Growth Rate [Member]
Disclosure of sensitivity analysis for main assumptions Line Items
Discount rates applied to cash flow projections percentage	€ (28,000,000)		€ (37,000,000)	[4]	€ (196,000,000)	[5]
[1]	(*) Based on historical changes, the use of 50 basis points to calculate the sensitivity analysis would be a reasonable variation with respect to the observed variations over the last five years .
[2]	(*) Based on historical changes, the use of 50 basis points to calculate the sensitivity analysis wou ld be a reasonable variation with respect to the observed variations over the last five years .
[3]	(*) Based on historical changes, the use of 50 basis points to calculate the sensitivity analysis wou ld be a reasonable variation with respect to the observed variations over the last five years .
[4]	(*) Based on historical changes, the use of 50 basis points to calculate the sensitivity analysis would be a reasonable v ariation with respect to the observed variations over the last five years .
[5]	(*) Based on historical changes, the use of 50 basis points to calculate the sensitivity analysis would be a reasonable v ariation with respect to the observed variations over the last five years .

Note 18 - Intangible assets. Ot

Note 18 - Intangible assets. Other intangible assets (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Intangible Assets Other Than Goodwill Line Items
Other intangible assets	€ 2,010,000,000	€ 2,134,000,000	€ 2,402,000,000
Computer Software Acquisiton Expenses [Member]
Intangible Assets Other Than Goodwill Line Items
Other intangible assets	1,598,000,000	1,605,000,000	1,682,000,000
Intangible Assets With Indefinite Useful Life Member
Intangible Assets Other Than Goodwill Line Items
Other intangible assets	11,000,000	11,000,000	12,000,000
Intangible Assets With definite Useful Life [Member]
Intangible Assets Other Than Goodwill Line Items
Other intangible assets	401,000,000	518,000,000	708,000,000
Total Member
Intangible Assets Other Than Goodwill Line Items
Other intangible assets	€ 2,010,000,000	€ 2,134,000,000	€ 2,402,000,000

Note 18 - Intangible assets - O

Note 18 - Intangible assets - Other Intangible Assets - Changes Over the Period - Reconciliation Of Changes In Intangible Assets Other Than GoodWill (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Intangible Assets and Goodwill Abstract
Other Assets At The Beginning	€ 2,134,000,000	€ 2,402,000,000	€ 2,849,000,000
Additions Other Than Through Business Combinations In tangible Assets Other Than Goodwill	533,000,000	552,000,000	564,000,000
Amortization in the year	(620,000,000)	(614,000,000)	(694,000,000)
Exchange differences and other	(25,000,000)	(123,000,000)	(305,000,000)
Impairment loss recognised in profit or loss intangible assets and goodwill	(12,000,000)	(83,000,000)	(12,000,000)
Other Assets At The End	€ 2,010,000,000	€ 2,134,000,000	€ 2,402,000,000

Note 19 - Tax assets and liab_3

Note 19 - Tax assets and liabilities - Reconciliation (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
Tax effect of foreign tax rates line items
Operating Profit Before Tax	€ 6,398,000,000		€ 8,446,000,000		€ 6,931,000,000
Tax expense or income related to profit or loss from continuing operation (Income Statement)	(2,053,000,000)		(2,219,000,000)		(2,174,000,000)
Mexico [Member] | Carrying Amount Member
Tax effect of foreign tax rates line items
Tax rate effect of foreign tax rate	€ (112,000,000)		€ (78,000,000)		€ (100,000,000)
Mexico [Member] | Effective tax percentage [Member]
Tax effect of foreign tax rates line items
Tax Rate Effect Of Foreign Tax Rate Percentage	27.00%		28.00%		27.00%
Chile | Carrying Amount Member
Tax effect of foreign tax rates line items
Tax rate effect of foreign tax rate	€ (2,000,000)		€ (18,000,000)		€ (29,000,000)
Chile | Effective tax percentage [Member]
Tax effect of foreign tax rates line items
Tax Rate Effect Of Foreign Tax Rate Percentage	27.00%		21.00%		21.00%
Colombia [Member] | Carrying Amount Member
Tax effect of foreign tax rates line items
Tax rate effect of foreign tax rate	€ 6,000,000		€ 10,000,000		€ (3,000,000)
Colombia [Member] | Effective tax percentage [Member]
Tax effect of foreign tax rates line items
Tax Rate Effect Of Foreign Tax Rate Percentage	32.00%		33.00%		29.00%
Turkey [Member] | Carrying Amount Member
Tax effect of foreign tax rates line items
Tax rate effect of foreign tax rate	€ (86,000,000)		€ (132,000,000)		€ (182,000,000)
Turkey [Member] | Effective tax percentage [Member]
Tax effect of foreign tax rates line items
Tax Rate Effect Of Foreign Tax Rate Percentage	23.00%		28.00%		21.00%
Peru [Member] | Carrying Amount Member
Tax effect of foreign tax rates line items
Tax rate effect of foreign tax rate	€ (12,000,000)		€ (12,000,000)		€ (16,000,000)
Peru [Member] | Effective tax percentage [Member]
Tax effect of foreign tax rates line items
Tax Rate Effect Of Foreign Tax Rate Percentage	28.00%		20.00%		27.00%
Other [Member] | Carrying Amount Member
Tax effect of foreign tax rates line items
Tax rate effect of foreign tax rate	€ (175,000,000)	[1]	€ (4,000,000)	[2]	€ 23,000,000	[3]
Of Which: Continuing Operations [Member] | Carrying Amount Member
Tax effect of foreign tax rates line items
Tax expense or income related to profit or loss from continuing operation (Income Statement)	2,053,000,000		2,219,000,000		2,174,000,000
Of Which: Discontinued Operations [Member] | Carrying Amount Member
Tax effect of foreign tax rates line items
Tax expense or income related to profit or loss from continuing operation (Income Statement)	0		0		0
Total Member | Carrying Amount Member
Tax effect of foreign tax rates line items
Profit Loss Before Tax From Continuing Operations	6,398,000,000		8,446,000,000		6,931,000,000
Profit Loss Before Tax From Discontinuing Operations	0		0		0
Total Profit Or Loss Before Tax	6,398,000,000		8,446,000,000		6,931,000,000
Taxation at Domestic Tax Rate	1,920,000,000		2,534,000,000		6,931,000,000
Tax rate effect of foreign tax rate	(381,000,000)	[4]	(234,000,000)	[5]	(307,000,000)	[6]
Tax Effect Of Revenues With Lower Taxations	(49,000,000)		(57,000,000)		(53,000,000)
Tax Effect Of Revenues Accounted Through Equity	18,000,000		3,000,000		(2,000,000)
Other Effects	545,000,000	[7]	(27,000,000)	[8]	457,000,000	[9]
Tax expense or income related to profit or loss from continuing operation (Income Statement)	€ 2,053,000,000		€ 2,219,000,000		€ 2,174,000,000
[1]	(***) Includes mainly the United States.
[2]	(***) Includes mainly the United States.
[3]	(***) Includes mainly the United States.
[4]	(*) Calculated by applying the difference between the tax rate in force in Spain and th e one applied to the Group’s earnings in each jurisdiction.
[5]	(*) Calculated by applying the difference between the tax rate in force in Spain and th e one applied to the Group’s earnings in each jurisdiction.
[6]	(*) Calculated by applying the difference between the tax rate in force in Spain and th e one applied to the Group’s earnings in each jurisdiction.
[7]	(**) The amount of 2019 is generated as a result of the impact of the impairment of goodwill in The United States' CGU (see Note 18.1).
[8]	(**) The amount of 2019 is generated as a result of the impact of the impairment of goodwill in The United States' CGU (see Note 18.1).
[9]	(**) The amount of 2019 is generated as a result of the impact of the impairment of goodwill in The United States' CGU (see Note 18.1).

Note 19 - Tax assets and liab_4

Note 19 - Tax assets and liabilities- Effective tax rate (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Consolidated Tax Group [Member]
Effective Tax Rate Line Items
Current And Deferred Tax Relating To Items Charged Or Credited Directly To Equity	€ (718,000,000)	€ 1,482,000,000	€ (678,000,000)
Other Spanish Entities [Member]
Effective Tax Rate Line Items
Current And Deferred Tax Relating To Items Charged Or Credited Directly To Equity	7,000,000	33,000,000	29,000,000
Foreign Entities [Member]
Effective Tax Rate Line Items
Current And Deferred Tax Relating To Items Charged Or Credited Directly To Equity	7,109,000,000	6,931,000,000	7,580,000,000
Total Member
Effective Tax Rate Line Items
Current And Deferred Tax Relating To Items Charged Or Credited Directly To Equity	6,398,000,000	8,446,000,000	6,931,000,000
Income Tax and Other Taxes [Member]
Effective Tax Rate Line Items
Current And Deferred Tax Relating To Items Charged Or Credited Directly To Equity	€ 2,053,000,000	€ 2,219,000,000	€ 2,174,000,000
Effective Tax Rate [Member]
Effective Tax Rate Line Items
Percentage Effective Tax Rate	32.10%	26.30%	31.40%

Note 19 - Tax assets and liab_5

Note 19 - Tax assets and liabilities- Tax Recognized in Total Equity (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Debt Securities and Other [Member]
Disclosure of tax assets and liabilties Line Items
Tax Recognized - Total Equity	€ (130,000,000)	€ (87,000,000)	€ (355,000,000)
Equity instruments [Member]
Disclosure of tax assets and liabilties Line Items
Tax Recognized - Total Equity	(40,000,000)	(56,000,000)	(74,000,000)
Subtotal [Member]
Disclosure of tax assets and liabilties Line Items
Tax Recognized - Total Equity	(170,000,000)	(143,000,000)	(429,000,000)
Total Member
Disclosure of tax assets and liabilties Line Items
Tax Recognized - Total Equity	€ (170,000,000)	€ (143,000,000)	€ (429,000,000)

Note 19 - Tax assets and liab_6

Note 19 - Tax assets and liabilities- Tax Assets and Liabilities (Details) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Deferred Tax Assets And Liabilities Line Items
Tax Assets		€ 17,083,000,000	€ 18,100,000,000	€ 16,888,000,000
Current tax assets		1,765,000,000	2,784,000,000	2,163,000,000
Deferred tax assets		15,318,000,000	15,316,000,000	14,725,000,000
Tax liabilities		2,808,000,000	3,276,000,000	3,298,000,000
Current tax liabilities		880,000,000	1,230,000,000	1,114,000,000
Deferred tax liabilities		1,928,000,000	2,046,000,000	2,184,000,000
Total Member
Deferred Tax Assets And Liabilities Line Items
Current tax assets		1,765,000,000	2,784,000,000	2,163,000,000
Deferred tax assets		15,318,000,000	15,316,000,000	14,725,000,000
Total Assets		17,083,000,000	18,100,000,000	16,888,000,000
Current tax liabilities		880,000,000	1,230,000,000	1,114,000,000
Deferred tax liabilities		1,928,000,000	2,046,000,000	2,184,000,000
Total Liabilities		2,808,000,000	3,276,000,000	3,298,000,000
Pensions [Member]
Deferred Tax Assets And Liabilities Line Items
Deferred tax assets		456,000,000	405,000,000	395,000,000
Financial Instruments [Member]
Deferred Tax Assets And Liabilities Line Items
Deferred tax assets		1,386,000,000	1,401,000,000	1,453,000,000
Deferred tax liabilities		1,014,000,000	1,136,000,000	1,427,000,000
Other Assets [Member]
Deferred Tax Assets And Liabilities Line Items
Deferred tax assets		204,000,000	302,000,000	357,000,000
Impairment Losses [Member]
Deferred Tax Assets And Liabilities Line Items
Deferred tax assets		1,636,000,000	1,375,000,000	1,005,000,000
Other [Member]
Deferred Tax Assets And Liabilities Line Items
Deferred tax assets		841,000,000	990,000,000	870,000,000
Deferred tax liabilities		914,000,000	910,000,000	757,000,000
Secured Tax Assets [Member]
Deferred Tax Assets And Liabilities Line Items
Deferred tax assets	[1]	9,363,000,000	9,363,000,000	9,433,000,000
Tax Losses [Member]
Deferred Tax Assets And Liabilities Line Items
Deferred tax assets		€ 1,432,000,000	€ 1,480,000,000	€ 1,212,000,000
[1]	(*) Law guaranteeing the deferred tax assets has been approved in Spain in 2013. In 2017 guaranteed deferred tax assets also existed in Portugal but i n year 2018 they lost the guarantee due to the merge between BBVA Portugal S.A. and BBVA, S.A.

Note 19 - Tax assets and liab_7

Note 19 - Tax assets and liabilities - Changes Deferred Taxes Assets And Liabilities (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Deferred Assets [Member]
Deferred Tax Assets And Liabilities Line Items
Deferred Tax Assets At The Beginning	€ 15,316,000,000	€ 14,725,000,000	€ 16,391,000,000
Pensions	51,000,000	10,000,000	(795,000,000)
Financial Instruments	(15,000,000)	(52,000,000)	82,000,000
Other Assets Deferred Tax Assets	(98,000,000)	(55,000,000)	(305,000,000)
Value Corrections Deferred Assets	261,000,000	370,000,000	(385,000,000)
Other Deferred Assets	(149,000,000)	120,000,000	(366,000,000)
Seccured Deferred Tax Assets	0	(70,000,000)	2,000,000
Deferred Tax Losses	(48,000,000)	268,000,000	101,000,000
Deferred Tax At The End	15,318,000,000	15,316,000,000	14,725,000,000
Deferred Liabilities [Member]
Deferred Tax Assets And Liabilities Line Items
Deferred Tax Assets At The Beginning	2,046,000,000	2,184,000,000	3,392,000,000
Pensions	0	0	0
Financial Instruments	(122,000,000)	(291,000,000)	(367,000,000)
Other Assets Deferred Tax Assets	0	0	0
Value Corrections Deferred Assets	0	0	0
Other Deferred Assets	4,000,000	153,000,000	(841,000,000)
Seccured Deferred Tax Assets	0	0	0
Deferred Tax Losses	0	0	0
Deferred Tax At The End	€ 1,928,000,000	€ 2,046,000,000	€ 2,184,000,000

Note 19 - Tax assets and liab_8

Note 19 - Tax assets and liabilities - Secured tax assets (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	[1]
Pensions [Member]
Secured Tax Assets Line Items
Secured Tax Assets deferred taxes	€ 1,924,000,000	€ 1,924,000,000	€ 1,947,000,000
Impairment Losses [Member]
Secured Tax Assets Line Items
Secured Tax Assets deferred taxes	7,439,000,000	7,439,000,000	7,486,000,000
Total Member
Secured Tax Assets Line Items
Secured Tax Assets deferred taxes	€ 9,363,000,000	€ 9,363,000,000	€ 9,433,000,000
[1]	(*) In 2017 guaranteed deferred tax assets also existed in Portugal but in 2018 they lost the guarantee.

Note 20 - Other assets and li_3

Note 20 - Other assets and liabilities (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Assets
Total Inventories	€ 581,000,000	€ 635,000,000	€ 229,000,000
Real estate companies	579,000,000	633,000,000	226,000,000
Transactions in progress (assets)	138,000,000	249,000,000	156,000,000
Total Accruals (assets)	804,000,000	702,000,000	768,000,000
Unaccrued prepaid expenses	573,000,000	465,000,000	509,000,000
Other prepayments and accrued income	231,000,000	237,000,000	259,000,000
Other items (assets inventories)	2,277,000,000	3,886,000,000	3,207,000,000
OTHER ASSETS	3,800,000,000	5,472,000,000	4,359,000,000
Liabilities Abstract
Transactions in progress (liabilities)	39,000,000	39,000,000	165,000,000
Total Accruals (liabilities)	2,456,000,000	2,558,000,000	2,490,000,000
Unpaid accrued expenses	2,064,000,000	2,119,000,000	1,997,000,000
Other accrued expenses and deferred income	392,000,000	439,000,000	493,000,000
Other items (liabilities inventories)	1,247,000,000	1,704,000,000	1,894,000,000
Total OTHER LIABILITIES	€ 3,742,000,000	€ 4,301,000,000	€ 4,550,000,000

Note 21 - Non-current assets _3

Note 21 - Non-current assets and disposal groups classified as held for sale (Details) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items
Non Current Assets Or Disposal Groups Clasified As Held For Sale		€ 3,079,000,000	€ 2,001,000,000	€ 23,853,000,000
Foreclosures And Recoveries [Member]
Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items
Non Current Assets Or Disposal Groups Clasified As Held For Sale	[1]	1,647,000,000	2,211,000,000	6,207,000,000
Foreclosure [Member]
Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items
Non Current Assets Or Disposal Groups Clasified As Held For Sale		1,553,000,000	2,135,000,000	6,047,000,000
Recoveries From Financial Leases [Member]
Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items
Non Current Assets Or Disposal Groups Clasified As Held For Sale		94,000,000	76,000,000	160,000,000
Other Assets From Property Plant And Equipment Operating Leases [Member]
Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items
Non Current Assets Or Disposal Groups Clasified As Held For Sale		310,000,000	433,000,000	447,000,000
Business Sale - Assets [Member]
Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items
Non Current Assets Or Disposal Groups Clasified As Held For Sale	[2]	1,716,000,000	29,000,000	18,623,000,000
Accrued Amortization [Member]
Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items
Non Current Assets Or Disposal Groups Clasified As Held For Sale	[3]	(51,000,000)	(44,000,000)	(77,000,000)
Impairment Losses [Member]
Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items
Non Current Assets Or Disposal Groups Clasified As Held For Sale		(543,000,000)	(628,000,000)	(1,348,000,000)
Total Member
Non current Assets Or Disposal Groups Classified As Held For Sale By Sector Line Items
Non Current Assets Or Disposal Groups Clasified As Held For Sale		€ 3,079,000,000	€ 2,001,000,000	€ 23,853,000,000
[1]	(*) Corresponds mainly to the agreement with Cerberus to transfer the "Real Estate" business in Spain in 2018 (see Note 3).
[2]	(**) The 2019 balance corresponds mainly to the BBVA´ s stake in BBVA Paraguay and 2017 balance corresponds mainly to the BBVA´s stake in BBVA Chile sold in 2018 (see Note 3).
[3]	(***) Amortization accumulated until related asset reclassified as “non-current assets and disposal groups classified as held for sal e”.

Nota 21 - Non-current assets an

Nota 21 - Non-current assets and disposal groups classified as held for sale. Non-current assets and disposal groups classified as held for sale. Breakdown by items (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Non-current Assets Or Disposal Groups Classified As Held For Sale
Non Current Assets Or Disposal Groups Clasified As Held For Sale	€ 3,079,000,000	€ 2,001,000,000	€ 23,853,000,000

Nota 21 - Non-current assets _2

Nota 21 - Non-current assets and disposal groups classified as held for sale. Non-current assets and disposal groups classified as held for sale Changes in the year (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	€ 2,001,000,000		€ 23,853,000,000
Changes Impairment Abstract
Cost At The End	3,079,000,000		2,001,000,000		€ 23,853,000,000
Foreclosures [Member] | Carrying Amount Member
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	2,135,000,000		6,047,000,000		4,057,000,000
Changes Impairment Abstract
Additions other than through business combinations non current assets held for sale	597,000,000		637,000,000		791,000,000
Contributions From Merger Transactions Cost	2,000,000		0		0
Retirements (Sales And Other Decrease) Cost	(967,000,000)		(4,354,000,000)		(1,037,000,000)
Transfers Other Movements And Exchange Differences Cost	(214,000,000)		(195,000,000)		2,236,000,000
Cost At The End	1,553,000,000		2,135,000,000		6,047,000,000
Foreclosures [Member] | Impairment member
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	482,000,000		1,102,000,000		1,237,000,000
Changes Impairment Abstract
Additions other than through business combinations non current assets held for sale	66,000,000		195,000,000		143,000,000
Contributions From Merger Transactions Cost	0		0		0
Retirements (Sales And Other Decrease) Cost	(160,000,000)		(793,000,000)		(272,000,000)
Transfers Other Movements And Exchange Differences Cost	(5,000,000)		(22,000,000)		(6,000,000)
Cost At The End	383,000,000		482,000,000		1,102,000,000
Foreclosures [Member] | Net Non Current Assets as Held for Sale [Member]
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	1,653,000,000		4,945,000,000
Changes Impairment Abstract
Cost At The End	1,170,000,000		1,653,000,000		4,945,000,000
Recoveries From Financial Leases [Member] | Carrying Amount Member
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	76,000,000		160,000,000		168,000,000
Changes Impairment Abstract
Additions other than through business combinations non current assets held for sale	68,000,000		55,000,000		45,000,000
Contributions From Merger Transactions Cost	0		0		0
Retirements (Sales And Other Decrease) Cost	(56,000,000)		(135,000,000)		(49,000,000)
Transfers Other Movements And Exchange Differences Cost	7,000,000		(4,000,000)		(4,000,000)
Cost At The End	95,000,000		76,000,000		160,000,000
Recoveries From Financial Leases [Member] | Impairment member
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	22,000,000		52,000,000		47,000,000
Changes Impairment Abstract
Additions other than through business combinations non current assets held for sale	6,000,000		11,000,000		14,000,000
Contributions From Merger Transactions Cost	0		0		0
Retirements (Sales And Other Decrease) Cost	(4,000,000)		(37,000,000)		(7,000,000)
Transfers Other Movements And Exchange Differences Cost	4,000,000		(4,000,000)		(2,000,000)
Cost At The End	28,000,000		22,000,000		52,000,000
Recoveries From Financial Leases [Member] | Net Non Current Assets as Held for Sale [Member]
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	54,000,000		108,000,000
Changes Impairment Abstract
Cost At The End	67,000,000		54,000,000		108,000,000
For own use [Member] | Carrying Amount Member
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	389,000,000		371,000,000		1,065,000,000
Changes Impairment Abstract
Additions other than through business combinations non current assets held for sale	10,000,000	[1]	4,000,000	[2]	1,000,000	[3]
Contributions From Merger Transactions Cost	0	[1]	0	[2]	0	[3]
Retirements (Sales And Other Decrease) Cost	(206,000,000)	[1]	(227,000,000)	[2]	(131,000,000)	[3]
Transfers Other Movements And Exchange Differences Cost	65,000,000	[1]	241,000,000	[2]	(564,000,000)	[3]
Cost At The End	258,000,000		389,000,000		371,000,000
For own use [Member] | Impairment member
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	124,000,000		194,000,000		443,000,000
Changes Impairment Abstract
Additions other than through business combinations non current assets held for sale	5,000,000	[4]	2,000,000	[5]	1,000,000	[6]
Contributions From Merger Transactions Cost	0	[4]	0	[5]	0	[6]
Retirements (Sales And Other Decrease) Cost	(22,000,000)	[4]	(101,000,000)	[5]	(42,000,000)	[6]
Transfers Other Movements And Exchange Differences Cost	25,000,000	[4]	29,000,000	[5]	(208,000,000)	[6]
Cost At The End	132,000,000		124,000,000		194,000,000
For own use [Member] | Net Non Current Assets as Held for Sale [Member]
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	265,000,000		177,000,000
Changes Impairment Abstract
Cost At The End	126,000,000		265,000,000		177,000,000
Other Assets [Member] | Carrying Amount Member
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	29,000,000		18,623,000,000		40,000,000
Changes Impairment Abstract
Additions other than through business combinations non current assets held for sale	1,676,000,000	[7]	0	[8]	0	[9]
Contributions From Merger Transactions Cost	0	[7]	0	[8]	0	[9]
Retirements (Sales And Other Decrease) Cost	0	[7]	(18,594,000,000)	[8]	0	[9]
Transfers Other Movements And Exchange Differences Cost	11,000,000	[7]	0	[8]	18,583,000,000	[9]
Cost At The End	1,716,000,000		29,000,000		18,623,000,000
Other Assets [Member] | Impairment member
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	0		0		0
Changes Impairment Abstract
Additions other than through business combinations non current assets held for sale	0	[10]	0	[11]	0	[12]
Contributions From Merger Transactions Cost	0	[10]	0	[11]	0	[12]
Retirements (Sales And Other Decrease) Cost	0	[10]	0	[11]	0	[12]
Transfers Other Movements And Exchange Differences Cost	0	[10]	0	[11]	0	[12]
Cost At The End	0		0		0
Other Assets [Member] | Net Non Current Assets as Held for Sale [Member]
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	29,000,000		18,623,000,000
Changes Impairment Abstract
Cost At The End	1,716,000,000		29,000,000		18,623,000,000
Total Member | Carrying Amount Member
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	2,629,000,000		25,201,000,000		5,330,000,000
Changes Impairment Abstract
Additions other than through business combinations non current assets held for sale	2,351,000,000		696,000,000		837,000,000
Contributions From Merger Transactions Cost	2,000,000		0		0
Retirements (Sales And Other Decrease) Cost	(1,229,000,000)		(23,310,000,000)		(1,217,000,000)
Transfers Other Movements And Exchange Differences Cost	(131,000,000)		42,000,000		20,251,000,000
Cost At The End	3,622,000,000		2,629,000,000		25,201,000,000
Total Member | Impairment member
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	628,000,000		1,348,000,000		1,727,000,000
Changes Impairment Abstract
Additions other than through business combinations non current assets held for sale	77,000,000		208,000,000		158,000,000
Contributions From Merger Transactions Cost	0		0		0
Retirements (Sales And Other Decrease) Cost	(186,000,000)		(931,000,000)		(321,000,000)
Transfers Other Movements And Exchange Differences Cost	24,000,000		3,000,000		(216,000,000)
Cost At The End	543,000,000		628,000,000		1,348,000,000
Total Member | Net Non Current Assets as Held for Sale [Member]
Cost non current assets or disposal groups classified as held for sale abstract
Cost At The Beginning	2,001,000,000		23,853,000,000
Changes Impairment Abstract
Cost At The End	€ 3,079,000,000		€ 2,001,000,000		€ 23,853,000,000
[1]	(*) Net of amortization accumulated until assets were reclassified as non-current assets classified as held for sale.
[2]	(*) Net of amortization accumulated until assets were reclassified as non-current assets class ified as held for sale.
[3]	(*) Net of amortization accumulated unti l assets were reclassified as non-current assets classified as held for sale.
[4]	(*) Net of amortization accumulated until assets were reclassified as non-current assets classified as held for sale.
[5]	(*) Net of amortization accumulated until assets were reclassified as non-current assets class ified as held for sale.
[6]	(*) Net of amortization accumulated unti l assets were reclassified as non-current assets classified as held for sale.
[7]	(**) The variation corresponds mainly to the agreement of the sa le of BBVA Paraguay (see Note 3).
[8]	(**) The variation corresponds mainly to the BBVA’s stake in BBVA Chile and the agreement with Cerberus to transfer the "Real Estate" business in Spain (see Note 3).
[9]	(**) The variation corresponds mainly to the BBVA’s stake in BBVA Chile and the agreement with Cerberus to transfer the "Real Estate" business in Spain (see Note 3).
[10]	(**) The variation corresponds mainly to the agreement of the sa le of BBVA Paraguay (see Note 3).
[11]	(**) The variation corresponds mainly to the BBVA’s stake in BBVA Chile and the agreement with Cerberus to transfer the "Real Estate" business in Spain (see Note 3).
[12]	(**) The variation corresponds mainly to the BBVA’s stake in BBVA Chile and the agreement with Cerberus to transfer the "Real Estate" business in Spain (see Note 3).

Note 22 - Financial liabiliti_3

Note 22 - Financial liabilities at amortized cost (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Deposits
Deposits from cental banks	€ 25,950,000,000	€ 27,281,000,000	€ 37,054,000,000
Deposits from credit institutions	28,751,000,000	31,978,000,000	54,516,000,000
Customer deposits	384,219,000,000	375,970,000,000	376,379,000,000
Debt certificates, at amortized cost	63,963,000,000	61,112,000,000	63,915,000,000
Other financial liabilities, at amortized cost	13,758,000,000	12,844,000,000	11,850,000,000
FINANCIAL LIABILITIES AT AMORTIZED COST	516,641,000,000	509,185,000,000	543,713,000,000
Total Member
Deposits
Deposits from cental banks	25,950,000,000	27,281,000,000	37,054,000,000
Deposits from credit institutions	28,751,000,000	31,978,000,000	54,516,000,000
Customer deposits	384,219,000,000	375,970,000,000	376,379,000,000
Debt certificates, at amortized cost	63,963,000,000	61,112,000,000	63,915,000,000
Other financial liabilities, at amortized cost	13,758,000,000	12,844,000,000	11,850,000,000
FINANCIAL LIABILITIES AT AMORTIZED COST	516,641,000,000	509,185,000,000	543,713,000,000
CurrentAccount [Member]
Deposits
Deposits from cental banks	23,000,000	20,000,000	2,588,000,000
Deposits from credit institutions	7,160,846,000	8,370,000,000	3,731,000,000
Customer deposits	280,390,628,000	260,573,000,000	240,583,000,000
TermAccount [Member]
Deposits
Deposits from cental banks	25,101,000,000	26,885,000,000	28,311,000,000
Deposits from credit institutions	18,896,287,000	19,015,000,000	25,941,000,000
Customer deposits	103,293,304,000	114,188,000,000	126,716,000,000
TemporalAssetLease [Member]
Deposits
Deposits from cental banks	826,000,000	375,000,000	6,155,000,000
Deposits from credit institutions	2,693,464,000	4,593,000,000	24,843,000,000
Customer deposits	€ 535,360,000	€ 1,209,000,000	€ 9,079,000,000

Note 22 - Financial liabiliti_4

Note 22 - Financial liabilities at amortized cost - Deposits from credit institutions by geographical area and instrument (Details) - EUR (€)	Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	€ 28,751,000,000		€ 31,978,000,000		€ 54,516,000,000
Demand Deposits And Other [Member] | Issued in Euros [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	2,103,744,000		1,980,664,000		762,017,000
Demand Deposits And Other [Member] | United States [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	2,082,482,000		1,701,169,000		1,563,026,000
Demand Deposits And Other [Member] | Mexico [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	432,304,000		280,423,000		281,942,000
Demand Deposits And Other [Member] | Turkey [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	302,460,000		650,698,000		73,108,000
Demand Deposits And Other [Member] | South America [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	394,121,000		442,265,000		447,668,000
Demand Deposits And Other [Member] | Rest Of Europe [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	1,651,643,000		3,107,558,000		525,794,000
Demand Deposits And Other [Member] | Rest of the world [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	194,092,000		207,091,000		77,351,000
Demand Deposits And Other [Member] | Total Member
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	7,160,846,000		8,369,868,000		3,730,906,000
Deposits With Agreed Maturity [Member] | Issued in Euros [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	1,112,869,000	[1]	2,527,050,000	[2]	3,878,569,000	[3]
Deposits With Agreed Maturity [Member] | United States [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	4,294,843,000	[1]	2,677,395,000	[2]	2,398,021,000	[3]
Deposits With Agreed Maturity [Member] | Mexico [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	1,032,821,000	[1]	285,865,000	[2]	329,931,000	[3]
Deposits With Agreed Maturity [Member] | Turkey [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	617,256,000	[1]	668,793,000	[2]	836,153,000	[3]
Deposits With Agreed Maturity [Member] | South America [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	2,284,511,000	[1]	1,892,104,000	[2]	2,538,222,000	[3]
Deposits With Agreed Maturity [Member] | Rest Of Europe [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	5,179,781,000	[1]	6,903,334,000	[2]	12,591,503,000	[3]
Deposits With Agreed Maturity [Member] | Rest of the world [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	4,374,206,000	[1]	4,060,672,000	[2]	3,368,971,000	[3]
Deposits With Agreed Maturity [Member] | Total Member
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	18,896,287,000	[1]	19,015,213,000	[2]	25,941,370,000	[3]
Repurchase Agreements [Member] | Issued in Euros [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	1,449,000		55,177,000		877,552,000
Repurchase Agreements [Member] | United States [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	0		0		0
Repurchase Agreements [Member] | Mexico [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	168,478,000		0		1,817,364,000
Repurchase Agreements [Member] | Turkey [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	4,001,000		3,760,000		44,086,000
Repurchase Agreements [Member] | South America [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	161,298,000		0		12,646,000
Repurchase Agreements [Member] | Rest Of Europe [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	2,358,238,000		4,533,826,000		21,732,032,000
Repurchase Agreements [Member] | Rest of the world [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	0		0		359,746,000
Repurchase Agreements [Member] | Total Member
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	2,693,464,000		4,593,166,000		24,843,433,000
Total Member | Issued in Euros [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	3,218,062,000		4,562,891,000		5,518,138,000
Total Member | United States [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	6,377,325,000		4,378,564,000		3,961,054,000
Total Member | Mexico [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	1,633,603,000		566,288,000		2,429,237,000
Total Member | Turkey [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	923,717,000		1,323,251,000		953,347,000
Total Member | South America [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	2,839,930,000		2,334,698,000		2,998,536,000
Total Member | Rest Of Europe [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	9,189,662,000		14,544,718,000		34,849,329,000
Total Member | Rest of the world [Member]
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	4,568,298,000		4,267,837,000		3,806,068,000
Total Member | Total Member
Deposits from credit institutions. Breakdown by geographical area and nature of the instrument Line Items
Deposits from credit institutions	€ 28,750,597,000		€ 31,978,247,000		€ 54,515,709,000
[1]	(*) Subordinated depo sits are included amounting €195 million.
[2]	(*) Subordinated deposits are included amounting €191 million.
[3]	(*) Subordinated deposits are included amounting €233 million.

Note 22 - Financial liabiliti_5

Note 22 - Financial liabilities at amortized cost - Deposits from customers by geographical area and instruments (Details) - EUR (€)	Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	€ 384,219,000,000		€ 375,970,000,000		€ 376,379,000,000
Demand Deposits And Other By Geographical Area [Member] | Issued in Euros [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	146,651,000,000		138,236,000,000		123,382,000,000
Demand Deposits And Other By Geographical Area [Member] | United States [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	46,372,000,000		41,222,000,000		36,728,000,000
Demand Deposits And Other By Geographical Area [Member] | Mexico [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	43,326,000,000		38,383,000,000		36,492,000,000
Demand Deposits And Other By Geographical Area [Member] | Turkey [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	13,775,000,000		10,856,000,000		12,427,000,000
Demand Deposits And Other By Geographical Area [Member] | South America [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	22,748,000,000		23,811,000,000		23,710,000,000
Demand Deposits And Other By Geographical Area [Member] | Rest Of Europe [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	6,610,000,000		7,233,000,000		6,816,000,000
Demand Deposits And Other By Geographical Area [Member] | Rest of the world [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	909,000,000		831,000,000		1,028,000,000
Demand Deposits And Other By Geographical Area [Member] | Total Member
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	280,391,000,000		260,573,000,000		240,583,000,000
Deposits With Agreed Maturity By Geographical Area [Member] | Issued in Euros [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	24,958,000,000	[1]	28,165,000,000	[2]	39,513,000,000	[3]
Deposits With Agreed Maturity By Geographical Area [Member] | United States [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	19,810,000,000	[1]	21,317,000,000	[2]	21,436,000,000	[3]
Deposits With Agreed Maturity By Geographical Area [Member] | Mexico [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	12,714,000,000	[1]	11,837,000,000	[2]	11,622,000,000	[3]
Deposits With Agreed Maturity By Geographical Area [Member] | Turkey [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	22,257,000,000	[1]	22,564,000,000	[2]	24,237,000,000	[3]
Deposits With Agreed Maturity By Geographical Area [Member] | South America [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	13,913,000,000	[1]	14,159,000,000	[2]	15,053,000,000	[3]
Deposits With Agreed Maturity By Geographical Area [Member] | Rest Of Europe [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	8,749,000,000	[1]	14,415,000,000	[2]	13,372,000,000	[3]
Deposits With Agreed Maturity By Geographical Area [Member] | Rest of the world [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	892,000,000	[1]	1,731,000,000	[2]	1,484,000,000	[3]
Deposits With Agreed Maturity By Geographical Area [Member] | Total Member
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	103,293,000,000	[1]	114,188,000,000	[2]	126,716,000,000	[3]
Repurchase Agreements By Geographical Area [Member] | Issued in Euros [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	2,000,000		3,000,000		2,664,000,000
Repurchase Agreements By Geographical Area [Member] | United States [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	0		0		0
Repurchase Agreements By Geographical Area [Member] | Mexico [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	523,000,000		770,000,000		4,272,000,000
Repurchase Agreements By Geographical Area [Member] | Turkey [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	10,000,000		7,000,000		152,000,000
Repurchase Agreements By Geographical Area [Member] | South America [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	0		0		2,000,000
Repurchase Agreements By Geographical Area [Member] | Rest Of Europe [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	0		429,000,000		1,989,000,000
Repurchase Agreements By Geographical Area [Member] | Rest of the world [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	0		0		0
Repurchase Agreements By Geographical Area [Member] | Total Member
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	535,000,000		1,209,000,000		9,079,000,000
Total Member | Issued in Euros [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	171,611,000,000		166,403,000,000		165,559,000,000
Total Member | United States [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	66,181,000,000		62,539,000,000		58,164,000,000
Total Member | Mexico [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	56,564,000,000		50,991,000,000		52,387,000,000
Total Member | Turkey [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	36,042,000,000		33,427,000,000		36,815,000,000
Total Member | South America [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	36,661,000,000		37,970,000,000		38,764,000,000
Total Member | Rest Of Europe [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	15,360,000,000		22,077,000,000		22,177,000,000
Total Member | Rest of the world [Member]
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	1,801,000,000		2,563,000,000		2,511,000,000
Total Member | Total Member
Deposits from customers. Breakdown by geographical area and nature of the instrument Line Items
Customer deposits	€ 384,219,000,000		€ 375,970,000,000		€ 376,379,000,000
[1]	(*) Subordinated deposits are included amounting to €189 million.
[2]	(*) Subordinated deposits are included amounting to €220 million.
[3]	(*) Subordinated deposits are included amounting to €194 million.

Note 22 - Financial liabiliti_6

Note 22 - Financial liabilities at amortized cost - Debt Securities issued (Details) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Debt securities issued Line Items
Debt certificates, at amortized cost		€ 63,963,000,000	€ 61,112,000,000	€ 63,915,000,000
Issued in Euros [Member] | Promissory bills and notes
Debt securities issued Line Items
Debt certificates, at amortized cost		737,000,000	267,000,000	1,309,000,000
Issued in Euros [Member] | Non-convertible bonds and debentures at floating interest rates
Debt securities issued Line Items
Debt certificates, at amortized cost		12,248,000,000	9,638,000,000	9,418,000,000
Issued in Euros [Member] | Mortgage Covered bonds
Debt securities issued Line Items
Debt certificates, at amortized cost	[1]	15,542,000,000	15,809,000,000	16,425,000,000
Issued in Euros [Member] | Hybrid financial instruments
Debt securities issued Line Items
Debt certificates, at amortized cost		518,000,000	814,000,000	807,000,000
Issued in Euros [Member] | Securitization bonds made by the Group
Debt securities issued Line Items
Debt certificates, at amortized cost		1,354,000,000	1,630,000,000	2,295,000,000
Issued in Euros [Member] | Certified Deposits [Member]
Debt securities issued Line Items
Debt certificates, at amortized cost		1,817,000,000	142,000,000	0
Issued in Euros [Member] | Subordinated Liabilities [Member]
Debt securities issued Line Items
Debt certificates, at amortized cost		7,968,000,000	9,136,000,000	8,481,000,000
Issued in Euros [Member] | Convertible perpetual securities
Debt securities issued Line Items
Debt certificates, at amortized cost		5,000,000,000	5,490,000,000	4,500,000,000
Issued in Euros [Member] | Convertible subordinated bonds
Debt securities issued Line Items
Debt certificates, at amortized cost		0	0	0
Issued in Euros [Member] | Non convertible preferred liabilities [Member]
Debt securities issued Line Items
Debt certificates, at amortized cost		83,000,000	107,000,000	107,000,000
Issued in Euros [Member] | Non convertible other subordinated liabilities [Member]
Debt securities issued Line Items
Debt certificates, at amortized cost		2,885,000,000	3,540,000,000	3,875,000,000
Issued in Euros [Member] | Total Member
Debt securities issued Line Items
Debt certificates, at amortized cost		40,185,000,000	37,436,000,000	38,735,000,000
Issued in Foreign Currency [Member] | Promissory bills and notes
Debt securities issued Line Items
Debt certificates, at amortized cost		1,210,000,000	3,237,000,000	3,157,000,000
Issued in Foreign Currency [Member] | Non-convertible bonds and debentures at floating interest rates
Debt securities issued Line Items
Debt certificates, at amortized cost		10,587,000,000	9,335,000,000	11,109,000,000
Issued in Foreign Currency [Member] | Mortgage Covered bonds
Debt securities issued Line Items
Debt certificates, at amortized cost	[1]	362,000,000	569,000,000	650,000,000
Issued in Foreign Currency [Member] | Hybrid financial instruments
Debt securities issued Line Items
Debt certificates, at amortized cost		1,156,000,000	1,455,000,000	1,809,000,000
Issued in Foreign Currency [Member] | Securitization bonds made by the Group
Debt securities issued Line Items
Debt certificates, at amortized cost		17,000,000	38,000,000	47,000,000
Issued in Foreign Currency [Member] | Certified Deposits [Member]
Debt securities issued Line Items
Debt certificates, at amortized cost		780,000,000	544,000,000	0
Issued in Foreign Currency [Member] | Subordinated Liabilities [Member]
Debt securities issued Line Items
Debt certificates, at amortized cost		9,666,000,000	8,499,000,000	8,407,000,000
Issued in Foreign Currency [Member] | Convertible perpetual securities
Debt securities issued Line Items
Debt certificates, at amortized cost		1,782,000,000	873,000,000	2,085,000,000
Issued in Foreign Currency [Member] | Convertible subordinated bonds
Debt securities issued Line Items
Debt certificates, at amortized cost		0	0	0
Issued in Foreign Currency [Member] | Non convertible preferred liabilities [Member]
Debt securities issued Line Items
Debt certificates, at amortized cost		76,000,000	74,000,000	55,000,000
Issued in Foreign Currency [Member] | Non convertible other subordinated liabilities [Member]
Debt securities issued Line Items
Debt certificates, at amortized cost		7,808,000,000	7,552,000,000	6,268,000,000
Issued in Foreign Currency [Member] | Total Member
Debt securities issued Line Items
Debt certificates, at amortized cost		23,778,000,000	23,676,000,000	25,180,000,000
Total Member | Total Member
Debt securities issued Line Items
Debt certificates, at amortized cost		€ 63,963,000,000	€ 61,112,000,000	€ 63,915,000,000
[1]	(*) Including mortgag e-covered bonds .

Note 22 - Financial liabiliti_7

Note 22 - Financial liabilities at amortized cost- Amortization Preferred securities by issuer (Details) - Preferred Stock Member [Member] - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
BBVA International Preferred S A U [Member]
Preferred Securities Amortised Line Items
Amount Amortised	[1]	€ 37,000,000	€ 35,000,000	€ 36,000,000
Unnim Group [Member]
Preferred Securities Amortised Line Items
Amount Amortised	[2]	83,000,000	98,000,000	98,000,000
BBVA USA [Member]
Preferred Securities Amortised Line Items
Amount Amortised		19,000,000	19,000,000	19,000,000
BBVA Colombia S A[Member]
Preferred Securities Amortised Line Items
Amount Amortised		20,000,000	19,000,000	1,000,000
Other [Member]
Preferred Securities Amortised Line Items
Amount Amortised		0	9,000,000	9,000,000
Total Member
Preferred Securities Amortised Line Items
Amount Amortised		€ 159,000,000	€ 181,000,000	€ 163,000,000
[1]	(1) Listed on the London stock exchange.
[2]	(2) Unnim Group: Issuances prior to the acquisition by BBVA.

Note 22 - Subordinated liabilit

Note 22 - Subordinated liabilities at amortized cost - Memorandum (Details) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Financial liabilities at amortized cost Abstract
Subordinated deposits		€ 384,000,000	€ 411,000,000	€ 427,000,000
Subordinated securities		17,635,000,000	17,635,000,000	16,889,000,000
Preferred securities		159,000,000	181,000,000	161,000,000
Convertible compound financial instruments		6,782,000,000	6,363,000,000	6,585,000,000
Other non convertible subordinated financing	[1]	10,693,000,000	11,092,000,000	10,143,000,000
Total		€ 18,018,000,000	€ 18,047,000,000	€ 17,316,000,000
[1]	(*) The €40 million subordinated issuances of BBVA Paraguay as of December 2019 are recorded in the heading "Liabilities included in disposal groups classified as held for sale".

Note 22 - Financial liabiliti_8

Note 22 - Financial liabilities at amortized cost - Other financial liabilities (Details) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Other Financial Liabilities Line Items
Other financial liabilities, at amortized cost		€ 13,758,000,000	€ 12,844,000,000	€ 11,850,000,000
LiabilitiesForLease [Member]
Other Financial Liabilities Line Items
Other financial liabilities, at amortized cost	[1]	3,335,000,000
Creditors For Other Financial Liabilities Member [Member]
Other Financial Liabilities Line Items
Other financial liabilities, at amortized cost		2,623,000,000	2,891,000,000	2,835,000,000
Collection Accounts Member [Member]
Other Financial Liabilities Line Items
Other financial liabilities, at amortized cost		3,306,000,000	4,305,000,000	3,452,000,000
Creditors For Other Payment Obligations Member [Member]
Other Financial Liabilities Line Items
Other financial liabilities, at amortized cost		4,494,000,000	5,648,000,000	5,563,000,000
Total Member
Other Financial Liabilities Line Items
Other financial liabilities, at amortized cost		€ 13,758,000,000	€ 12,844,000,000	€ 11,850,000,000
[1]	(*) Lease liabilities are recognized after the implementation of IFRS 16 (see Note 2.1).

Note 22 - Maturity of liabiliti

Note 22 - Maturity of liabilities by lease (Details)	Dec. 31, 2019EUR (€)
Less Than A Year [Member]
Maturity Of Liabilities By Lease Line Items
Maturity Of Liabilities By Lease	€ 269,000,000
One Year To Three Years [Member]
Maturity Of Liabilities By Lease Line Items
Maturity Of Liabilities By Lease	500,000,000
Three Years To Five Years [Member]
Maturity Of Liabilities By Lease Line Items
Maturity Of Liabilities By Lease	535,000,000
More Than Five Years [Member]
Maturity Of Liabilities By Lease Line Items
Maturity Of Liabilities By Lease	2,031,000,000
Total Member
Maturity Of Liabilities By Lease Line Items
Maturity Of Liabilities By Lease	€ 3,335,000,000

Note 23 - Assets and Liabilit_3

Note 23 - Assets and Liabilities under reinsurance and insurance contracts - Liabilities Under Reassurance And Assurance Contracts (Details) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Technical reserves by type of insurance product
LIABILITIES UNDER INSURANCE CONTRACTS		€ 10,606,000,000	€ 9,834,000,000	€ 9,223,000,000
INSURANCE OR REINSURANCE ASSETS		341,000,000	366,000,000	421,000,000
Mathematical reserves [Member]
Technical reserves by type of insurance product
LIABILITIES UNDER INSURANCE CONTRACTS		9,247,000,000	8,503,777,000	7,960,901,000
Individual Life Insurance [Member]
Technical reserves by type of insurance product
LIABILITIES UNDER INSURANCE CONTRACTS	[1]	6,731,000,000	6,201,000,000	5,359,000,000
Individual Life Insurance [Member] | Savings Accounts [Member]
Technical reserves by type of insurance product
LIABILITIES UNDER INSURANCE CONTRACTS		5,906,000,000	5,180,000,000	4,392,000,000
Individual Life Insurance [Member] | Risk Member
Technical reserves by type of insurance product
LIABILITIES UNDER INSURANCE CONTRACTS		825,000,000	1,021,000,000	967,000,000
Group Insurance [Member]
Technical reserves by type of insurance product
LIABILITIES UNDER INSURANCE CONTRACTS	[2]	2,517,000,000	2,303,000,000	2,601,000,000
Group Insurance [Member] | Savings Accounts [Member]
Technical reserves by type of insurance product
LIABILITIES UNDER INSURANCE CONTRACTS		2,334,000,000	2,210,000,000	2,455,000,000
Group Insurance [Member] | Risk Member
Technical reserves by type of insurance product
LIABILITIES UNDER INSURANCE CONTRACTS		182,000,000	93,000,000	147,000,000
Provision for unpaid claims reported [Member]
Technical reserves by type of insurance product
LIABILITIES UNDER INSURANCE CONTRACTS		641,000,000	661,690,000	631,077,000
Provisions for unexpired risks and other provisions [Member]
Technical reserves by type of insurance product
LIABILITIES UNDER INSURANCE CONTRACTS		718,000,000	668,270,000	631,143,000
Total Member
Technical reserves by type of insurance product
LIABILITIES UNDER INSURANCE CONTRACTS		€ 10,606,000,000	€ 9,833,737,000	€ 9,223,121,000
[1]	(1) Provides coverage in the event of death or disability.
[2]	(2) The insurance policies purchased by employers (other than BBVA Group) on behalf of its employees

Note 23 - Assets and Liabilit_4

Note 23 - Assets and Liabilities under reinsurance and insurance contracts. Cash flows of Liabilities under Reinsurance and reinsurance contracts (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash flows of Liabilities under Reinsurance and reinsurance contracts Line Items
LIABILITIES UNDER INSURANCE CONTRACTS	€ 10,606,000,000	€ 9,834,000,000	€ 9,223,000,000
No later than one year [Member]
Cash flows of Liabilities under Reinsurance and reinsurance contracts Line Items
LIABILITIES UNDER INSURANCE CONTRACTS	1,571,000,000	1,686,000,000	1,560,000,000
Later than one year and not later than three years member
Cash flows of Liabilities under Reinsurance and reinsurance contracts Line Items
LIABILITIES UNDER INSURANCE CONTRACTS	1,197,000,000	1,041,000,000	1,119,000,000
Later than three year and not later than five years [Member]
Cash flows of Liabilities under Reinsurance and reinsurance contracts Line Items
LIABILITIES UNDER INSURANCE CONTRACTS	1,806,000,000	1,822,000,000	1,502,000,000
Later Than Five Years [Member]
Cash flows of Liabilities under Reinsurance and reinsurance contracts Line Items
LIABILITIES UNDER INSURANCE CONTRACTS	6,032,000,000	5,285,000,000	5,042,000,000
Total Member
Cash flows of Liabilities under Reinsurance and reinsurance contracts Line Items
LIABILITIES UNDER INSURANCE CONTRACTS	€ 10,606,000,000	€ 9,834,000,000	€ 9,223,000,000

Note 23 - Assets and Liabilit_5

Note 23 - Assets and Liabilities under reinsurance and insurance contracts. Mathematical Reserves (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Matematical Reserves Line Items
INSURANCE OR REINSURANCE ASSETS		€ 341,000,000	€ 366,000,000	€ 421,000,000
Spain [Member] | Individual Insurance [Member]
Matematical Reserves Line Items
Mortality Table	[1]	GRMF 80-2, GKMF 80/95. PASEM, PERMF 2000
Average Technical Interest Type	[1]	0.25% -2.91%
Spain [Member] | Savings Insurance [Member]
Matematical Reserves Line Items
Mortality Table	[2]	PERMF 2000
Average Technical Interest Type	[2]	Depending on the related portfolio
Mexico [Member] | Individual Insurance [Member]
Matematical Reserves Line Items
Mortality Table	[1]	Tables of the Comisión Nacional de Seguros y Fianzas 2000-individual
Average Technical Interest Type	[1]	2.50%
Mexico [Member] | Savings Insurance [Member]
Matematical Reserves Line Items
Mortality Table	[2]	Tables of the Comisión Nacional de Seguros y Fianzas 2000-grupo
Average Technical Interest Type	[2]	5.50%
[1]	(1) Provides coverage in the case of one or more of the following events: death and disability.
[2]	(2) Insurance policies purchased by companies (other than Group BBVA entities) on behalf of their employees.

Note 24 - Provisions. Provision

Note 24 - Provisions. Provisions Breakdown By Conceps (Details) - EUR (€)		Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017		Dec. 31, 2016
Provisions or reversal of provisions Abstract
Pensions and other post employment defined Benefit Obligations		€ 4,631,000,000	[1]	€ 4,787,000,000	[1]	€ 5,407,000,000	[1]	€ 6,025,000,000
Other long term employee benefits		61,000,000		62,000,000		67,000,000
Provisions for taxes and other legal contingencies		677,000,000		686,000,000		756,000,000
Provisions for contingent risks and commitments		711,000,000		636,000,000		578,000,000
Other Provisions	[2]	457,000,000		601,000,000		669,000,000
PROVISIONS		€ 6,538,000,000		€ 6,772,000,000		€ 7,477,000,000
[1]	(3) Recorded under the heading “Provisions - Provisions for pensions and simil ar obligations” of the consolidated balance sheet (see Note 24).
[2]	(*) Individually insignificant provisions or contingencies, for various concepts in different geographies.

Note 24 - Provisions. Provisi_2

Note 24 - Provisions. Provisions for Employee Benefits. Changes Over the Period (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
Provision or reversal of provisions line items
Pensions and other post employment at the beginning		€ 4,787,000,000	[1]	€ 5,407,000,000	[1]	€ 6,025,000,000
Changes In Provisions For Pensions And Similar Obligations Abstract
Charges to income for the year Provisions for Pensions and Similar Obligations Balance		330,000,000		126,000,000		391,000,000
Interest and similar expenses		65,000,000		78,000,000		71,000,000
Defined benefit plans		50,000,000		58,000,000		62,000,000
Provision Expenses		215,000,000		(10,000,000)		258,000,000
Remeasurement, Charges to equity		329,000,000		41,000,000	[2]	140,000,000
Transfers and other changes Provisions for Pensions and Similar Obligations Balance		(32,000,000)		95,000,000		(264,000,000)
Benefit Payments		(718,000,000)		(779,000,000)		(861,000,000)
Employer Contributions		(65,000,000)		(103,000,000)		(25,000,000)
Pensions and other post employment at the end	[1]	4,631,000,000		4,787,000,000		5,407,000,000
Total Member
Provision or reversal of provisions line items
Pensions and other post employment at the beginning		1,286,000,000		1,425,000,000		2,028,000,000
Changes In Provisions For Pensions And Similar Obligations Abstract
Pensions and other post employment at the end		€ 1,134,000,000		€ 1,286,000,000		€ 1,425,000,000
[1]	(3) Recorded under the heading “Provisions - Provisions for pensions and simil ar obligations” of the consolidated balance sheet (see Note 24).
[2]	(1) Correspond to actuarial losses (gains) arising from certain defined-benefit post-employment pension commitments and other similar benefits recognized in “Equity” (see Note 2.2.12).

Note 24 - Provisions. Provisi_3

Note 24 - Provisions. Provisions for Taxes, Legal Contingents and Other Provisions. Changes Over the Period (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Provisions or reversal of provisions Abstract
Total Provisions for Taxes, Legal Contingents and Other Provisions at the beginning	€ 1,286,000,000	€ 1,425,000,000	€ 2,028,000,000
Aditions	396,000,000	455,000,000	868,000,000
Acquisitions Of Subsidiaries	0	0	0
AmountsReversedDuringThePeriod	(96,000,000)	(184,000,000)	(164,000,000)
Amounts Used	(453,000,000)	(410,000,000)	(1,306,000,000)
Total Provisions for Taxes, Legal Contingents and Other Provisions at the end	€ 1,134,000,000	€ 1,286,000,000	€ 1,425,000,000

Note 25 - Post-employment and_3

Note 25 - Post-employment and other employee benefit commitments. Net Defined Benefit Liability (asset) on the Balance Sheet (Details) - EUR (€)		Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017		Dec. 31, 2016
Post-employment and other employee benefit commitments
Pension Commitments		€ 5,050,000,000		€ 4,678,000,000		€ 4,969,000,000
Early retirement commitments		1,486,000,000		1,793,000,000		2,210,000,000
Medical benefits commitments		1,580,000,000		1,114,000,000		1,204,000,000
Other long term employee benefits		61,000,000		62,000,000		67,000,000
Total commitments		8,177,000,000		7,647,000,000		8,451,000,000
Pension plan assets		1,961,000,000		1,694,000,000		1,892,000,000
Medical benefit plan assets		1,532,000,000		1,146,000,000		1,114,000,000
Total plan assets	[1]	3,493,000,000		2,840,000,000		3,006,000,000
Net asset on the balance sheet		4,684,000,000		4,807,000,000		5,445,000,000
Pensions and other post employment defined Benefit Obligations		4,631,000,000	[2]	4,787,000,000	[2]	5,407,000,000	[2]	€ 6,025,000,000
Additional Plan Assets Not Recogniced In Balance Statement Turkey	[3]	(8,000,000)		(41,000,000)		(27,000,000)
Amount of the additional asset in turkey holding by the foundation responsible for managing the benefit commitments	[4]	€ 61,000,000		€ 62,000,000		€ 67,000,000
[1]	(1) In Turkey, the foundation responsible for managing the benefit comm itments holds an additional asset of €252 million as of December 31, 2019 which, in accordance with IFRS regarding the asset ceiling, has not been recognized in the Consolidated Financial Statements, because although it could be used to reduce future pensi on contributions it could not be immediately refunded to the employer.
[2]	(3) Recorded under the heading “Provisions - Provisions for pensions and simil ar obligations” of the consolidated balance sheet (see Note 24).
[3]	(2) Recorded under the heading “Other Assets - Other” of the consolidated balance sheet (see Note 20).
[4]	(4) Recorded under the heading “Provisions – Other long-term employee benefits” of the consolidated balance sheet (see Note 24).

Note 25 - Post-employment and_4

Note 25 - Post-employment and other employee benefit commitments. Consolidated Income Statement Impact (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Post-employment and other employee benefit commitments
Net Interest Expense on Cost attributable to Pensions Funds		€ 65,000,000	€ 78,000,000	€ 71,000,000
Interest Expenses Benefit Commitments		307,000,000	295,000,000	294,000,000
Interest Income Benefit Commitments		(242,000,000)	(217,000,000)	(223,000,000)
Personel Expenses Benefit Commitments		163,000,000	147,000,000	149,000,000
Employer contributions		113,000,000	89,000,000	87,000,000
Post Employments Benefit Expense Defined Benefit Plans		50,000,000	58,000,000	62,000,000
Provisions Consolidated Income Statement Impact		214,000,000	125,000,000	343,000,000
Early Retirement Expense		190,000,000	141,000,000	227,000,000
Past service costs		18,000,000	(33,000,000)	3,000,000
Remeasurements	[1]	7,000,000	(10,000,000)	31,000,000
Other effects		(2,000,000)	28,000,000	82,000,000
Total Impact on Profit and Loss Benefit Commitments		€ 441,000,000	€ 350,000,000	€ 563,000,000
[1]	(*) Actuarial losses (gains) on remeasurement of the net defined benefit liability relating to early retirements in Spain and other long-term employee bene fits that are charged to the income statements (see Note 2.2.12).

Note 25 - Post-employment and_5

Note 25 - Post-employment and other employee benefit commitments. Equity Impact (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Breakdown of remeasurement total effect in equity Line Items
Remeasurement, charges to equity	€ 329,000,000	€ 34,000,000	€ 140,000,000
Defined benefit plans impact on equity [Member]
Breakdown of remeasurement total effect in equity Line Items
Remeasurement, charges to equity	254,000,000	81,000,000	(40,000,000)
Post employent medical beneficts [Member]
Breakdown of remeasurement total effect in equity Line Items
Remeasurement, charges to equity	€ 74,000,000	€ (47,000,000)	€ 179,000,000

Note 25 - Post-employment and_6

Note 25 - Post-employment and other employee benefit commitments. Defined Benefits (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
Changes In Net Defined Benefit Liability Asset Abstract
Employer contributions		€ 113,000,000		€ 89,000,000		€ 87,000,000
Past service costs		18,000,000		(33,000,000)		3,000,000
Remeasurements	[1]	7,000,000		(10,000,000)		31,000,000
Other effects		(2,000,000)		28,000,000		82,000,000
Present Value Of Defined Benefit Obligation Member | Spain [Member]
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		4,000,000
Interest income or expense		45,000,000
Contributions by plan participants		0
Employer contributions		0
Past service costs		190,000,000
Remeasurements		298,000,000
Return on plan assets		0
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		0
From changes in financial assumptions		239,000,000
Other actuarial gain and losses		59,000,000
Benefit payments		(766,000,000)
Settlement payments		0
Business combinations and disposals		0
Effect on changes in foreign exchange rates		0
Other effects		14,000,000
Liability Asset Of Defined Benefit Plans at the end		4,807,000,000
Present Value Of Defined Benefit Obligation Member | Mexico [Member]
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		4,000,000
Interest income or expense		53,000,000
Contributions by plan participants		0
Employer contributions		0
Past service costs		15,000,000
Remeasurements		99,000,000
Return on plan assets		0
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		0
From changes in financial assumptions		87,000,000
Other actuarial gain and losses		12,000,000
Benefit payments		(50,000,000)
Settlement payments		0
Business combinations and disposals		0
Effect on changes in foreign exchange rates		32,000,000
Liability Asset Of Defined Benefit Plans at the end		511,694,040.761482
Present Value Of Defined Benefit Obligation Member | United States [Member]
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		1,000,000
Interest income or expense		14,000,000
Contributions by plan participants		0
Employer contributions		0
Past service costs		0
Remeasurements		44,000,000
Return on plan assets		0
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		0
From changes in financial assumptions		42,000,000
Other actuarial gain and losses		2,000,000
Benefit payments		(15,000,000)
Settlement payments		0
Business combinations and disposals		0
Effect on changes in foreign exchange rates		6,000,000
Other effects		(1,000,000)
Liability Asset Of Defined Benefit Plans at the end		326,000,000
Present Value Of Defined Benefit Obligation Member | Turkey [Member]
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		20,000,000
Interest income or expense		64,000,000
Contributions by plan participants		3,000,000
Employer contributions		0
Past service costs		3,000,000
Remeasurements		(3,000,000)
Return on plan assets		0
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		(13,000,000)
From changes in financial assumptions		(41,000,000)
Other actuarial gain and losses		51,000,000
Benefit payments		(21,000,000)
Settlement payments		0
Business combinations and disposals		0
Effect on changes in foreign exchange rates		(44,000,000)
Other effects		0
Liability Asset Of Defined Benefit Plans at the end		422,186,829.878786
Present Value Of Defined Benefit Obligation Member | Other [Member]
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		3,000,000
Interest income or expense		11,000,000
Contributions by plan participants		1,000,000
Employer contributions		0
Past service costs		2,000,000
Remeasurements		49,000,000
Return on plan assets		0
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		(2,000,000)
From changes in financial assumptions		52,000,000
Other actuarial gain and losses		(1,000,000)
Benefit payments		(14,000,000)
Settlement payments		0
Business combinations and disposals		0
Effect on changes in foreign exchange rates		1,000,000
Other effects		6,000,000
Liability Asset Of Defined Benefit Plans at the end		401,945,384.013867
Plan Assets Member | Spain [Member]
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		0
Interest income or expense		3,000,000
Contributions by plan participants		0
Employer contributions		0
Past service costs	[2]	0
Remeasurements		67,000,000
Return on plan assets	[3]	67,000,000
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		0
From changes in financial assumptions		0
Other actuarial gain and losses		0
Benefit payments		(64,000,000)
Settlement payments		0
Business combinations and disposals		0
Effect on changes in foreign exchange rates		0
Other effects		0
Liability Asset Of Defined Benefit Plans at the end		260,000,000
Plan Assets Member | Mexico [Member]
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		0
Interest income or expense		44,000,000
Contributions by plan participants		0
Employer contributions		47,000,000
Past service costs	[2]	0
Remeasurements		90,000,000
Return on plan assets	[3]	90,000,000
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		0
From changes in financial assumptions		0
Other actuarial gain and losses		0
Benefit payments		(50,000,000)
Settlement payments		0
Business combinations and disposals		(7,000,000)
Effect on changes in foreign exchange rates		27,000,000
Other effects		0
Liability Asset Of Defined Benefit Plans at the end		441,000,000
Plan Assets Member | United States [Member]
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		0
Interest income or expense		12,000,000
Contributions by plan participants		0
Employer contributions		3,000,000
Past service costs	[2]	0
Remeasurements		28,000,000
Return on plan assets	[3]	28,000,000
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		0
From changes in financial assumptions		0
Other actuarial gain and losses		0
Benefit payments		(13,000,000)
Settlement payments		0
Business combinations and disposals		0
Effect on changes in foreign exchange rates		6,000,000
Other effects		0
Liability Asset Of Defined Benefit Plans at the end		287,000,000
Plan Assets Member | Turkey [Member]
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		0
Interest income or expense		53,000,000
Contributions by plan participants		3,000,000
Employer contributions		14,000,000
Past service costs	[2]	0
Remeasurements		(5,000,000)
Return on plan assets	[3]	(5,000,000)
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		0
From changes in financial assumptions		0
Other actuarial gain and losses		0
Benefit payments		(10,000,000)
Settlement payments		0
Business combinations and disposals		0
Effect on changes in foreign exchange rates		(34,000,000)
Other effects		0
Liability Asset Of Defined Benefit Plans at the end		339,000,000
Plan Assets Member | Other [Member]
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		0
Interest income or expense		8,000,000
Contributions by plan participants		1,000,000
Employer contributions		1,000,000
Past service costs	[2]	0
Remeasurements		50,000,000
Return on plan assets	[3]	50,000,000
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		0
From changes in financial assumptions		0
Other actuarial gain and losses		0
Benefit payments		(11,000,000)
Settlement payments		0
Business combinations and disposals		0
Effect on changes in foreign exchange rates		0
Other effects		6,000,000
Liability Asset Of Defined Benefit Plans at the end		366,000,000
Net Benefit Liability Asset [Member] | Spain [Member]
Disclosure Of Net Defined Benefit Liability Asset Line Items
Liability Asset Of Defined Benefit Plans at the beginning		5,122,000,000		5,799,000,000
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		4,000,000		4,000,000		4,000,000
Interest income or expense		42,000,000		59,000,000		73,000,000
Contributions by plan participants		0		0		0
Employer contributions		0		0		0
Past service costs		190,000,000	[4]	148,000,000	[5]	235,000,000	[6]
Remeasurements		231,000,000		(28,000,000)		(67,000,000)
Return on plan assets		(67,000,000)	[7]	4,000,000	[8]	(21,000,000)	[9]
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		0		0		0
From changes in financial assumptions		239,000,000		0		(33,000,000)
Other actuarial gain and losses		59,000,000		(32,000,000)		(13,000,000)
Benefit payments		(702,000,000)		(763,000,000)		(842,000,000)
Settlement payments		0		0		0
Business combinations and disposals		0		0		0
Effect on changes in foreign exchange rates		0		0		0
Other effects		14,000,000		5,000,000		2,000,000
Liability Asset Of Defined Benefit Plans at the end		4,547,000,000		5,122,000,000		5,799,000,000
Net Benefit Liability Asset [Member] | Mexico [Member]
Disclosure Of Net Defined Benefit Liability Asset Line Items
Liability Asset Of Defined Benefit Plans at the beginning		(18,000,000)		(59,000,000)
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		4,000,000		5,000,000		5,000,000
Interest income or expense		9,000,000		(2,000,000)		(6,000,000)
Contributions by plan participants		0		0		0
Employer contributions		(47,000,000)		0		(1,000,000)
Past service costs		15,000,000	[4]	(1,000,000)	[5]	1,000,000	[6]
Remeasurements		9,000,000		88,000,000		38,000,000
Return on plan assets		(90,000,000)	[7]	70,000,000	[8]	(10,000,000)	[9]
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		0		0		22,000,000
From changes in financial assumptions		87,000,000		(9,000,000)		18,000,000
Other actuarial gain and losses		12,000,000		27,000,000		7,000,000
Benefit payments		(1,000,000)		0		(1,000,000)
Settlement payments		0		0		0
Business combinations and disposals		7,000,000		0		0
Effect on changes in foreign exchange rates		5,000,000		(1,000,000)		5,000,000
Other effects		0		0		0
Liability Asset Of Defined Benefit Plans at the end		71,000,000		(18,000,000)		(59,000,000)
Net Benefit Liability Asset [Member] | United States [Member]
Disclosure Of Net Defined Benefit Liability Asset Line Items
Liability Asset Of Defined Benefit Plans at the beginning		51,000,000		46,000,000
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		1,000,000		0		3,000,000
Interest income or expense		2,000,000		2,000,000		1,000,000
Contributions by plan participants		0		0		0
Employer contributions		(3,000,000)		(2,000,000)		0
Past service costs		0	[4]	0	[5]	0	[6]
Remeasurements		16,000,000		(11,000,000)		9,000,000
Return on plan assets		(28,000,000)	[7]	17,000,000	[8]	(11,000,000)	[9]
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		0		(1,000,000)		(2,000,000)
From changes in financial assumptions		42,000,000		(28,000,000)		22,000,000
Other actuarial gain and losses		2,000,000		1,000,000		0
Benefit payments		(2,000,000)		(2,000,000)		(2,000,000)
Settlement payments		0		0		0
Business combinations and disposals		0		0		0
Effect on changes in foreign exchange rates		0		2,000,000		(5,000,000)
Other effects		(1,000,000)		(1,000,000)		(1,000,000)
Liability Asset Of Defined Benefit Plans at the end		39,000,000		51,000,000		46,000,000
Net Benefit Liability Asset [Member] | Turkey [Member]
Disclosure Of Net Defined Benefit Liability Asset Line Items
Liability Asset Of Defined Benefit Plans at the beginning		96,000,000		99,000,000
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		20,000,000		21,000,000		21,000,000
Interest income or expense		11,000,000		9,000,000		9,000,000
Contributions by plan participants		0		0		0
Employer contributions		(14,000,000)		(16,000,000)		(16,000,000)
Past service costs		3,000,000	[4]	4,000,000	[5]	4,000,000	[6]
Remeasurements		2,000,000		12,000,000		12,000,000
Return on plan assets		5,000,000	[7]	(101,000,000)	[8]	(101,000,000)	[9]
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		(13,000,000)		0		0
From changes in financial assumptions		(41,000,000)		81,000,000		81,000,000
Other actuarial gain and losses		51,000,000		32,000,000		32,000,000
Benefit payments		(11,000,000)		(11,000,000)		(11,000,000)
Settlement payments		0		0		0
Business combinations and disposals		0		0		0
Effect on changes in foreign exchange rates		(9,000,000)		(21,000,000)		(21,000,000)
Other effects		0		0		0
Liability Asset Of Defined Benefit Plans at the end		83,000,000		96,000,000		99,000,000
Net Benefit Liability Asset [Member] | Other [Member]
Disclosure Of Net Defined Benefit Liability Asset Line Items
Liability Asset Of Defined Benefit Plans at the beginning		36,000,000		43,000,000
Changes In Net Defined Benefit Liability Asset Abstract
Current service cost t		3,000,000		5,000,000		5,000,000
Interest income or expense		3,000,000		2,000,000		2,000,000
Contributions by plan participants		0		0		0
Employer contributions		(1,000,000)		(8,000,000)		(8,000,000)
Past service costs		2,000,000	[4]	3,000,000	[5]	3,000,000	[6]
Remeasurements		(1,000,000)		(1,000,000)		(1,000,000)
Return on plan assets		(50,000,000)	[7]	2,000,000	[8]	2,000,000	[9]
ActuarialGainsLossesArisingFromChangesInDemographicAssumptionsNetDefinedBenefitLiabilityAsset		(2,000,000)		(3,000,000)		(3,000,000)
From changes in financial assumptions		52,000,000		4,000,000		4,000,000
Other actuarial gain and losses		(1,000,000)		(4,000,000)		(4,000,000)
Benefit payments		(3,000,000)		(3,000,000)		(3,000,000)
Settlement payments		0		0		0
Business combinations and disposals		0		0		0
Effect on changes in foreign exchange rates		1,000,000		(5,000,000)		(5,000,000)
Other effects		0		(1,000,000)		(1,000,000)
Liability Asset Of Defined Benefit Plans at the end		€ 36,000,000		€ 36,000,000		€ 43,000,000
[1]	(*) Actuarial losses (gains) on remeasurement of the net defined benefit liability relating to early retirements in Spain and other long-term employee bene fits that are charged to the income statements (see Note 2.2.12).
[2]	(1) Including gains and losses arising from settlements.
[3]	(2) Excluding interest, which is recorded under "Interest income or expense".
[4]	(1) Including gains and losses arising from settlements.
[5]	(2) Excluding interest, which is recorded under "Interest income or expense".
[6]	(2) Excluding interest, which is recorded under "Interest income or expense".
[7]	(2) Excluding interest, which is recorded under "Interest income or expense".
[8]	(2) Excluding interest, which is recorded under "Interest income or expense".
[9]	(2) Excluding interest, which is recorded under "Interest income or expense".

Note 25 - Post-employment and_7

Note 25 - Post-employment and other employee benefit commitments. Actuarial Assumptions (Details)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Spain [Member]
Disclosure Of Actuarial Assumptions Commitments Line Items
Actuarial Assumption Of Discount Rates	0.68%	1.28%	1.24%
Actuarial Assumption Of Expected Rates Of Salary Increases	0.00%	0.00%	0.00%
Actuarial Assumption Of Expected Rates Of Pension Increases	0.00%	0.00%	0.00%
Actuarial Assumption Of Medical Cost Trend Rates	0.00%	0.00%	0.00%
Mortality Table	PERM/F 2000P	PERM/F 2000P	PERM/F 2000P
Mexico [Member]
Disclosure Of Actuarial Assumptions Commitments Line Items
Actuarial Assumption Of Discount Rates	9.04%	10.45%	9.48%
Actuarial Assumption Of Expected Rates Of Salary Increases	4.75%	4.75%	4.75%
Actuarial Assumption Of Expected Rates Of Pension Increases	2.47%	2.51%	2.13%
Actuarial Assumption Of Medical Cost Trend Rates	7.00%	7.00%	7.00%
Mortality Table	EMSSA09	EMSSA09	EMSSA09
United States [Member]
Disclosure Of Actuarial Assumptions Commitments Line Items
Actuarial Assumption Of Discount Rates	3.24%	4.23%	3.57%
Actuarial Assumption Of Expected Rates Of Salary Increases	0.00%	0.00%	0.00%
Actuarial Assumption Of Expected Rates Of Pension Increases	0.00%	0.00%	0.00%
Actuarial Assumption Of Medical Cost Trend Rates	0.00%	0.00%	0.00%
Mortality Table	RP 2014	RP 2014	RP 2014
Turkey [Member]
Disclosure Of Actuarial Assumptions Commitments Line Items
Actuarial Assumption Of Discount Rates	12.50%	16.30%	11.60%
Actuarial Assumption Of Expected Rates Of Salary Increases	9.70%	14.00%	9.90%
Actuarial Assumption Of Expected Rates Of Pension Increases	8.20%	12.50%	8.40%
Actuarial Assumption Of Medical Cost Trend Rates	12.40%	16.70%	12.60%
Mortality Table	CSO2001	CSO2001	CSO2001

Note 25 - Post-employment and_8

Note 25 - Post-employment and other employee benefit commitments. Sensitivity Analysis (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Sensitivity Analysis Line Items
Other long term employee benefits	€ 61,000,000	€ 62,000,000	€ 67,000,000
Discount Rate [Member]
Sensitivity Analysis Line Items
Basis points change	50
Increase	€ (367,000,000)	(298,000,000)
Increase in Defined Benefit	€ 405,000,000	332,000,000
rate of salary increasy [Member]
Sensitivity Analysis Line Items
Basis points change	50
Increase	€ 3,000,000	3,000,000
Increase in Defined Benefit	€ (3,000,000)	(3,000,000)
rate of pension increase [Member]
Sensitivity Analysis Line Items
Basis points change	50
Increase	€ 27,000,000	19,000,000
Increase in Defined Benefit	€ (26,000,000)	(18,000,000)
medical cost trend rate [Member]
Sensitivity Analysis Line Items
Basis points change	100
Increase	€ 338,000,000	229,000,000
Increase in Defined Benefit	€ (266,000,000)	(181,000,000)
change in obligation from each additional year of longevity [Member]
Sensitivity Analysis Line Items
Basis points change	-
Increase	€ 137,000,000	108,000,000
Increase in Defined Benefit	€ 0	€ 0

Note 25 - Post-employment and_9

Note 25 - Post-employment and other employee benefit commitments. Post-employment commitments. Defined Benefit Obligation (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Post-employment and other employee benefit commitments
Early retirement commitments	€ 1,486,000,000	€ 1,793,000,000	€ 2,210,000,000

Note 25 - Post-employment an_10

Note 25 - Post-employment and other employee benefit commitments. Estimated benefit payments (Details)	Dec. 31, 2019EUR (€)
Not Later Than One Year Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	€ 764,000,000
Later Than One Year And Not Later Than Two Years [Member]
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	694,000,000
Later Than Two Years And Not Later Than Three Years [Member]
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	603,000,000
Later Than Three Years And Not Later Than Four Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	526,000,000
Later Than Four Years And Not Later Than Five Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	465,000,000
Later Than Five Years And Not Later Than Ten Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	2,018,000,000
Spain [Member] | Not Later Than One Year Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	621,000,000
Spain [Member] | Later Than One Year And Not Later Than Two Years [Member]
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	544,000,000
Spain [Member] | Later Than Two Years And Not Later Than Three Years [Member]
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	449,000,000
Spain [Member] | Later Than Three Years And Not Later Than Four Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	360,000,000
Spain [Member] | Later Than Four Years And Not Later Than Five Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	288,000,000
Spain [Member] | Later Than Five Years And Not Later Than Ten Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	903,000,000
Mexico [Member] | Not Later Than One Year Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	106,000,000
Mexico [Member] | Later Than One Year And Not Later Than Two Years [Member]
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	110,000,000
Mexico [Member] | Later Than Two Years And Not Later Than Three Years [Member]
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	117,000,000
Mexico [Member] | Later Than Three Years And Not Later Than Four Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	125,000,000
Mexico [Member] | Later Than Four Years And Not Later Than Five Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	132,000,000
Mexico [Member] | Later Than Five Years And Not Later Than Ten Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	808,000,000
United States [Member] | Not Later Than One Year Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	17,000,000
United States [Member] | Later Than One Year And Not Later Than Two Years [Member]
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	18,000,000
United States [Member] | Later Than Two Years And Not Later Than Three Years [Member]
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	19,000,000
United States [Member] | Later Than Three Years And Not Later Than Four Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	19,000,000
United States [Member] | Later Than Four Years And Not Later Than Five Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	20,000,000
United States [Member] | Later Than Five Years And Not Later Than Ten Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	107,000,000
Turkey [Member] | Not Later Than One Year Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	20,000,000
Turkey [Member] | Later Than One Year And Not Later Than Two Years [Member]
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	22,000,000
Turkey [Member] | Later Than Two Years And Not Later Than Three Years [Member]
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	18,000,000
Turkey [Member] | Later Than Three Years And Not Later Than Four Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	22,000,000
Turkey [Member] | Later Than Four Years And Not Later Than Five Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	25,000,000
Turkey [Member] | Later Than Five Years And Not Later Than Ten Years Member
Estimated Benefit Payments Line Items
Total estimated Benefit Payments	€ 200,000,000

Note 25 - Post-employment an_11

Note 25 - Post-employment and other employee benefit commitments. Plan Assets Breakdown (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash And Cash Equivalents [Member]
Assets Of Benefit Plan Line Items
Assets Of Benefit Plan	€ 56,000,000	€ 26,000,000	€ 68,000,000
Debt Instruments [Member]
Assets Of Benefit Plan Line Items
Assets Of Benefit Plan	2,668,000,000	2,080,000,000	2,178,000,000
Property Amount [Member]
Assets Of Benefit Plan Line Items
Assets Of Benefit Plan	0	0	1,000,000
Investment Funds Member
Assets Of Benefit Plan Line Items
Assets Of Benefit Plan	2,000,000	2,000,000	1,000,000
Insurance Contract [Member]
Assets Of Benefit Plan Line Items
Assets Of Benefit Plan	142,000,000	132,000,000	4,000,000
Other Assets [Member]
Assets Of Benefit Plan Line Items
Assets Of Benefit Plan	0	0	10,000,000
Total Member
Assets Of Benefit Plan Line Items
Assets Of Benefit Plan	2,869,000,000	2,241,000,000	2,261,000,000
Bank Account In Bbva [Member]
Assets Of Benefit Plan Line Items
Assets Of Benefit Plan	4,000,000	3,000,000	5,000,000
Debt Securities Issued By Bbva [Member]
Assets Of Benefit Plan Line Items
Assets Of Benefit Plan	€ 0	€ 0	€ 3,000,000

Nota 25 - Post-employment and o

Nota 25 - Post-employment and other employee benefit commitments. Investments in listed markets (Details) - Level 1 Of Fair Value Hierarchy Member - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Cash And Cash Equivalents [Member]
Disclosure Of Fair Value Of Plan Assets Line Items
Assets Of Benefit Plan	€ 56,000,000	€ 26,000,000	€ 68,000,000
Debt Instruments [Member]
Disclosure Of Fair Value Of Plan Assets Line Items
Assets Of Benefit Plan	2,668,000,000	2,080,000,000	2,178,000,000
Investment Funds Member
Disclosure Of Fair Value Of Plan Assets Line Items
Assets Of Benefit Plan	2,000,000	2,000,000	1,000,000
Total Member
Disclosure Of Fair Value Of Plan Assets Line Items
Assets Of Benefit Plan	2,727,000,000	2,109,000,000	2,247,000,000
Bank Account In Bbva [Member]
Disclosure Of Fair Value Of Plan Assets Line Items
Assets Of Benefit Plan	4,000,000	3,000,000	5,000,000
Debt Securities Issued By Bbva [Member]
Disclosure Of Fair Value Of Plan Assets Line Items
Assets Of Benefit Plan	€ 0	€ 0	€ 3,000,000

Note 25 - Post-employment an_12

Note 25 - Post-employment and other employee benefit commitments. Defined Benefit Commitments (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
Defined Benefit At The Beginning [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	€ 7,585,000,000		€ 8,384,000,000		€ 8,851,000,000
Defined Benefit At The Beginning [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	2,839,000,000		3,006,000,000		3,022,000,000
Defined Benefit At The Beginning [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	4,746,000,000		5,378,000,000		5,829,000,000
Current Service Cost Net Defined Benefit Liability Asset [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	53,000,000		61,000,000		64,000,000
Current Service Cost Net Defined Benefit Liability Asset [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		0
Current Service Cost Net Defined Benefit Liability Asset [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	53,000,000		61,000,000		64,000,000
Interest Expense Income Net Defined Benefit Liability Asset [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	304,000,000		292,000,000		290,000,000
Interest Expense Income Net Defined Benefit Liability Asset [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	242,000,000		217,000,000		223,000,000
Interest Expense Income Net Defined Benefit Liability Asset [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	62,000,000		76,000,000		68,000,000
Contributions To Plan Net Defined Benefit Liability Asset [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	4,000,000		4,000,000		4,000,000
Contributions To Plan Net Defined Benefit Liability Asset [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	4,000,000		3,000,000		4,000,000
Contributions To Plan Net Defined Benefit Liability Asset [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		1,000,000		0
Contributions To Plan By Employer Net Defined Benefit Liability Asset [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		0
Contributions To Plan By Employer Net Defined Benefit Liability Asset [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	65,000,000		103,000,000		25,000,000
Contributions To Plan By Employer Net Defined Benefit Liability Asset [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	(65,000,000)		(103,000,000)		(25,000,000)
Past Service Cost Net Defined Benefit Liability Asset [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	210,000,000	[1]	109,000,000	[2]	231,000,000	[3]
Past Service Cost Net Defined Benefit Liability Asset [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0	[1]	0	[2]	0	[3]
Past Service Cost Net Defined Benefit Liability Asset [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	210,000,000	[1]	109,000,000	[2]	231,000,000	[3]
Gain Loss On Remeasurement Of Net Defined Benefit Liability Asset [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	783,000,000		(263,000,000)		331,000,000
Gain Loss On Remeasurement Of Net Defined Benefit Liability Asset [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	454,000,000		(286,000,000)		161,000,000
Gain Loss On Remeasurement Of Net Defined Benefit Liability Asset [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	329,000,000		21,000,000		171,000,000
Return On Plan Assets Net Defined Benefit Liability Asset [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0	[4]	0	[5]	0	[6]
Return On Plan Assets Net Defined Benefit Liability Asset [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	454,000,000	[4]	(286,000,000)	[5]	161,000,000	[6]
Return On Plan Assets Net Defined Benefit Liability Asset [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	(454,000,000)	[4]	286,000,000	[5]	(161,000,000)	[6]
Actuarial Gains Losses Arising From Changes In Demographic Assumptions Net Defined Benefit Liability Asset [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	(15,000,000)		14,000,000		100,000,000
Actuarial Gains Losses Arising From Changes In Demographic Assumptions Net Defined Benefit Liability Asset [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		0
Actuarial Gains Losses Arising From Changes In Demographic Assumptions Net Defined Benefit Liability Asset [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	(15,000,000)		14,000,000		100,000,000
Actuarial Gains Losses Arising From Changes In Financial Assumptions Net Defined Benefit Liability Asset [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	688,000,000		(274,000,000)		220,000,000
Actuarial Gains Losses Arising From Changes In Financial Assumptions Net Defined Benefit Liability Asset [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		0
Actuarial Gains Losses Arising From Changes In Financial Assumptions Net Defined Benefit Liability Asset [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	688,000,000		(274,000,000)		220,000,000
Actuarial Gains Losses Arising From Experience Adjustments Net Defined Benefit Liability Asset [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	110,000,000		(3,000,000)		12,000,000
Actuarial Gains Losses Arising From Experience Adjustments Net Defined Benefit Liability Asset [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		0
Actuarial Gains Losses Arising From Experience Adjustments Net Defined Benefit Liability Asset [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	110,000,000		(3,000,000)		12,000,000
Benefit payments defined Benefit Commitments | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	(905,000,000)		(979,000,000)		(1,029,000,000)
Benefit payments defined Benefit Commitments | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	(187,000,000)		(200,000,000)		(169,000,000)
Benefit payments defined Benefit Commitments | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	(718,000,000)		(779,000,000)		(861,000,000)
Settlement payments defined Benefit Commitments | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		0
Settlement payments defined Benefit Commitments | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		0
Settlement payments defined Benefit Commitments | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		0
Business combinations and disposalsdefined Benefit Commitments | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		0
Business combinations and disposalsdefined Benefit Commitments | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		0
Business combinations and disposalsdefined Benefit Commitments | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		0
Effect on changes in foreign exchange rates defined Benefit Commitments | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	63,000,000		(31,000,000)		(278,000,000)
Effect on changes in foreign exchange rates defined Benefit Commitments | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	69,000,000		(9,000,000)		(258,000,000)
Effect on changes in foreign exchange rates defined Benefit Commitments | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	(6,000,000)		(22,000,000)		(19,000,000)
Defined Benefit Transformation | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		(82,000,000)
Defined Benefit Transformation | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		0
Defined Benefit Transformation | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	0		0		(82,000,000)
Other effects defined Benefit Commitments | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	19,000,000		10,000,000		(1,000,000)
Other effects defined Benefit Commitments | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	6,000,000		6,000,000		(1,000,000)
Other effects defined Benefit Commitments | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	13,000,000		4,000,000		0
Defined benefit at the end Member [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	8,116,000,000		7,585,000,000		8,384,000,000
Defined benefit at the end Member [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	3,493,000,000		2,840,000,000		3,006,000,000
Defined benefit at the end Member [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	4,623,000,000		4,745,000,000		5,378,000,000
Of Which Spain [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	4,592,000,000		4,807,000,000		5,442,000,000
Of Which Spain [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	266,000,000		260,000,000		320,000,000
Of Which Spain [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	4,326,000,000		4,547,000,000		5,122,000,000
Of Which Mexico [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	2,231,000,000		1,615,000,000		1,661,000,000
Of Which Mexico [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	2,124,000,000		1,587,000,000		1,602,000,000
Of Which Mexico [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	107,000,000		28,000,000		60,000,000
Of Which United States [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	375,000,000		326,000,000		360,000,000
Of Which United States [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	323,000,000		287,000,000		309,000,000
Of Which United States [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	52,000,000		39,000,000		51,000,000
Of Which Turkey [Member] | Present Value Of Defined Benefit Obligation Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	444,000,000		422,000,000		520,000,000
Of Which Turkey [Member] | Plan Assets Member
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	359,000,000		339,000,000		424,000,000
Of Which Turkey [Member] | Net Benefit Liability Asset [Member]
Disclosure of defined benefit commitments Line Items
Defined Benefit Commitments Plan	€ 86,000,000		€ 83,000,000		€ 96,000,000
[1]	(1) Including gains and losses arising from settlements.
[2]	(1) Including gains and losses arising from settlements.
[3]	(1) Including gains and losses arising from settlements.
[4]	(2) Excluding interest, which is recorded under "Interest income or expense".
[5]	(2) Excluding interest, which is recorded under "Interest income or expense".
[6]	(2) Excluding interest, which is recorded under "Interest income or expense".

Note 25 - Post-employment an_13

Note 25 - Post-employment and other employee benefit commitments. Defined Medical Commitments (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019		Dec. 31, 2018		Dec. 31, 2017
Present Value Of Defined Benefit Obligation Member | Defined Medical benefit at the beginning Member [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	€ 1,114,000,000		€ 1,204,000,000		€ 1,015,000,000
Present Value Of Defined Benefit Obligation Member | Current Service Cost Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	21,000,000		27,000,000		26,000,000
Present Value Of Defined Benefit Obligation Member | Interest Expense Income Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	119,000,000		116,000,000		101,000,000
Present Value Of Defined Benefit Obligation Member | Contributions To Plan Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		0
Present Value Of Defined Benefit Obligation Member | Contributions To Plan By Employer Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		0
Present Value Of Defined Benefit Obligation Member | Past Service Cost Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0	[1]	(42,000,000)	[2]	(11,000,000)	[3]
Present Value Of Defined Benefit Obligation Member | Gain Loss On Remeasurement Of Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	298,000,000		(210,000,000)		200,000,000
Present Value Of Defined Benefit Obligation Member | Return On Plan Assets Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0	[4]	0	[5]	0	[6]
Present Value Of Defined Benefit Obligation Member | Actuarial Gains Losses Arising From Changes In Demographic Assumptions Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		83,000,000
Present Value Of Defined Benefit Obligation Member | Actuarial Gains Losses Arising From Changes In Financial Assumptions Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	311,000,000		(182,000,000)		128,000,000
Present Value Of Defined Benefit Obligation Member | Actuarial Gains Losses Arising From Experience Adjustments Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	(13,000,000)		(28,000,000)		(10,000,000)
Present Value Of Defined Benefit Obligation Member | Benefit payments defined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	(39,000,000)		(34,000,000)		(35,000,000)
Present Value Of Defined Benefit Obligation Member | Settlement payments defined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		0
Present Value Of Defined Benefit Obligation Member | Business combinations and disposalsdefined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		0
Present Value Of Defined Benefit Obligation Member | Effect on changes in foreign exchange rates defined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	68,000,000		62,000,000		(92,000,000)
Present Value Of Defined Benefit Obligation Member | Other effects defined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	(1,000,000)		(9,000,000)		0
Present Value Of Defined Benefit Obligation Member | Defined benefit at the end Member [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	1,580,000,000		1,114,000,000		1,204,000,000
Plan Assets Member | Defined Medical benefit at the beginning Member [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	1,146,000,000		1,114,000,000		1,113,000,000
Plan Assets Member | Current Service Cost Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		0
Plan Assets Member | Interest Expense Income Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	123,000,000		109,000,000		112,000,000
Plan Assets Member | Contributions To Plan Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		0
Plan Assets Member | Contributions To Plan By Employer Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		71,000,000		0
Plan Assets Member | Past Service Cost Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0	[1]	0	[2]	0	[3]
Plan Assets Member | Gain Loss On Remeasurement Of Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	224,000,000		(164,000,000)		21,000,000
Plan Assets Member | Return On Plan Assets Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	224,000,000	[4]	(164,000,000)	[5]	21,000,000	[6]
Plan Assets Member | Actuarial Gains Losses Arising From Changes In Demographic Assumptions Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		0
Plan Assets Member | Actuarial Gains Losses Arising From Changes In Financial Assumptions Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		0
Plan Assets Member | Actuarial Gains Losses Arising From Experience Adjustments Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		0
Plan Assets Member | Benefit payments defined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	(39,000,000)		(33,000,000)		(33,000,000)
Plan Assets Member | Settlement payments defined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		0
Plan Assets Member | Business combinations and disposalsdefined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	7,000,000		0		0
Plan Assets Member | Effect on changes in foreign exchange rates defined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	71,000,000		59,000,000		(100,000,000)
Plan Assets Member | Other effects defined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		(9,000,000)		0
Plan Assets Member | Defined benefit at the end Member [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	1,532,000,000		1,146,000,000		1,114,000,000
Net Benefit Liability Asset [Member] | Defined Medical benefit at the beginning Member [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	(32,000,000)		91,000,000		(98,000,000)
Net Benefit Liability Asset [Member] | Current Service Cost Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	21,000,000		27,000,000		26,000,000
Net Benefit Liability Asset [Member] | Interest Expense Income Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	(4,000,000)		8,000,000		(11,000,000)
Net Benefit Liability Asset [Member] | Contributions To Plan Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		0
Net Benefit Liability Asset [Member] | Contributions To Plan By Employer Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		(71,000,000)		0
Net Benefit Liability Asset [Member] | Past Service Cost Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0	[1]	(42,000,000)	[2]	(11,000,000)	[3]
Net Benefit Liability Asset [Member] | Gain Loss On Remeasurement Of Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	74,000,000		(47,000,000)		179,000,000
Net Benefit Liability Asset [Member] | Return On Plan Assets Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	(224,000,000)	[4]	164,000,000	[5]	(21,000,000)	[6]
Net Benefit Liability Asset [Member] | Actuarial Gains Losses Arising From Changes In Demographic Assumptions Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		83,000,000
Net Benefit Liability Asset [Member] | Actuarial Gains Losses Arising From Changes In Financial Assumptions Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	311,000,000		(182,000,000)		128,000,000
Net Benefit Liability Asset [Member] | Actuarial Gains Losses Arising From Experience Adjustments Net Defined Benefit Liability Asset [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	(13,000,000)		(28,000,000)		(10,000,000)
Net Benefit Liability Asset [Member] | Benefit payments defined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	(1,000,000)		(1,000,000)		(2,000,000)
Net Benefit Liability Asset [Member] | Settlement payments defined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	0		0		0
Net Benefit Liability Asset [Member] | Business combinations and disposalsdefined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	(7,000,000)		0		0
Net Benefit Liability Asset [Member] | Effect on changes in foreign exchange rates defined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	(2,000,000)		3,000,000		8,000,000
Net Benefit Liability Asset [Member] | Other effects defined Benefit Commitments
Disclosure of medical commitments Line Items
Defined Medical Benefit	(1,000,000)		0		0
Net Benefit Liability Asset [Member] | Defined benefit at the end Member [Member]
Disclosure of medical commitments Line Items
Defined Medical Benefit	€ 48,000,000		€ (32,000,000)		€ 91,000,000
[1]	(1) Including gains and losses arising from settlements.
[2]	(1) Including gains and losses arising from settlements.
[3]	(1) Including gains and losses arising from settlements.
[4]	(2) Excluding interest, which is recorded under "Interest income or expense".
[5]	(2) Excluding interest, which is recorded under "Interest income or expense".
[6]	(2) Excluding interest, which is recorded under "Interest income or expense".

Note 26 - Common Stock - Classe

Note 26 - Common Stock - Classes Of Share Capital (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Classes Of Share Capital Line Items
Capital (Capital base and capital management)	€ 3,267,000,000	€ 3,267,000,000	€ 3,267,000,000
Ordinary Shares Member
Classes Of Share Capital Line Items
Par Value Per Share	€ 0.49	€ 0.49	€ 0.49

Note 26 - Common Stock - Custod

Note 26 - Common Stock - Custody Of Share (Details)	12 Months Ended
	Dec. 31, 2019
State Street Bank and Trust Co [Member]
Disclosure Of Custodied Shares Line Items
Percentage Of Shares Custodied	11.68%
Chase Nominees Ltd [Member]
Disclosure Of Custodied Shares Line Items
Percentage Of Shares Custodied	2.03%
The Bank of New York Mellon SANV [Member]
Disclosure Of Custodied Shares Line Items
Percentage Of Shares Custodied	6.64%

Note 27 - Share premium (Detail

Note 27 - Share premium (Details narrative) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share Premium Abstract
Share Premium	€ 23,992,000,000	€ 23,992,000,000	€ 23,992,000,000

Note 28 - Retained earnings, _3

Note 28 - Retained earnings, revaluation reserves and other reserves - Retained earnings, revaluation reserves and other reserves. Breakdown by concepts (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Retained earnings, revaluation reserves and other reserves.
Statutory reserve	€ 653,000,000	€ 653,000,000	€ 644,000,000
Restricted Reserves	124,000,000	133,000,000	159,000,000
Revaluation reverse	0	3,000,000	12,000,000
Voluntary Reserves	8,331,000,000	8,010,000,000	8,643,000,000
Total Reserves Holding Company	9,108,000,000	8,799,000,000	9,458,000,000
Consolidation Reserves Attributed To The Bank And Dependents Consolidated Companies	17,169,000,000	14,222,000,000	14,266,000,000
Total Retained Earnings Revaluation Reserves And Other Reserves	€ 26,277,000,000	€ 23,021,000,000	€ 23,724,000,000

Note 28 - Retained earnings, _4

Note 28 - Retained earnings, revaluation reserves and other reserves - Restricted reserves (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Retained earnings, revaluation reserves and other reserves.
Restricted reserve for retired capital	€ 88,000,000	€ 88,000,000	€ 88,000,000
Restricted reserve for Parent Company shares and loans for those shares	34,000,000	44,000,000	69,000,000
Restricted reserve for redonomination of capital in euro	2,000,000	2,000,000	2,000,000
Restricted Reserves	€ 124,000,000	€ 133,000,000	€ 159,000,000

Note 28 - Retained earnings, _5

Note 28 - Retained earnings, revaluation reserves and other reserves - Accumulated Income And Revaluation Reserves (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Holding Company [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	€ 16,623,000,000	€ 14,701,000,000	€ 15,759,000,000
BBVA Bancomer Group [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	10,645,000,000	10,014,000,000	9,442,000,000
Garanti BBVA Group [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	1,985,000,000	1,415,000,000	751,000,000
BBVA Colombia Group
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	1,130,000,000	998,000,000	926,000,000
Corporacion General Financiera S A [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	932,000,000	1,084,000,000	1,202,000,000
BBVA Peru [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	848,000,000	756,000,000	681,000,000
BBVA America [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	247,000,000	217,000,000	195,000,000
Catalunyacaixa Inmobiliaria [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	225,000,000	233,000,000	11,000,000
BBVA Chile Group
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	597,000,000	552,000,000	951,000,000
BBVA Paraguay [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	130,000,000	119,000,000	108,000,000
Bilbao Vizcaya Holding S A [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	62,000,000	49,000,000	(73,000,000)
Compania de Cartera e Inversiones S A [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	47,000,000	108,000,000	(20,000,000)
Gran Jorge Juan S A [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	27,000,000	(33,000,000)	(47,000,000)
Banco Industrial de Bilbao S A [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(13,000,000)	0	25,000,000
BBVA Luxinvest S A [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(48,000,000)	(48,000,000)	25,000,000
Pecri Inversion S L [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(50,000,000)	(74,000,000)	(76,000,000)
BBVA Suiza S A [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(52,000,000)	(53,000,000)	(57,000,000)
BBVA Portugal Group [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(59,000,000)	(66,000,000)	(436,000,000)
BBVA Seguros S A [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(99,000,000)	(127,000,000)	(215,000,000)
Venezuela BBVA Group [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(125,000,000)	(124,000,000)	(113,000,000)
BBVA USA Bank shares Group [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(317,000,000)	(586,000,000)	(794,000,000)
Argentina BBVA Group [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	35,000,000	103,000,000	999,000,000
Anida Grupo Inmobiliario S L [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(587,000,000)	363,000,000	515,000,000
Sociedades inmobiliarias Unnim [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(594,000,000)	(587,000,000)	(576,000,000)
Anida Operaciones Singulares S L [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(5,375,000,000)	(5,317,000,000)	(4,881,000,000)
Other [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	188,000,000	(618,000,000)	(544,000,000)
Subtotal Group [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	26,402,000,000	23,079,000,000	23,758,000,000
Metrovacesa [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(75,000,000)	(61,000,000)	(53,000,000)
Atom Bank PLC [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(56,000,000)	(28,000,000)	(12,000,000)
Other Joint Vneture [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	6,000,000	31,000,000	30,000,000
Subtotal Joint Ventures [Member]
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	(125,000,000)	(58,000,000)	(35,000,000)
Total Member
Disclosure Of Accumulate Income And Revaluation Reserves Line Items
Subtotal Accumulated Income And Revaluation Reserves	€ 26,277,000,000	€ 23,021,000,000	€ 23,724,000,000

Note 29 - Treasury Shares Treas

Note 29 - Treasury Shares Treasury Stock - Treasury Shares (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017	Dec. 31, 2019
Treasury Share Reconciliation Line Items
Treasury shares Balance at beginning	€ (296,000,000)	€ (96,000,000)
Changes in treasury shares abstract
Treasury shares Balance at the end	€ (62,000,000)	€ (296,000,000)	€ (96,000,000)
Number Of Treasury Shares [Member]
Treasury Share Reconciliation Line Items
Number of treasury shares at the beginning	47,257,691	13,339,582	7,230,787
Changes in treasury shares abstract
Purchases of treasury shares number of shares	214,925,699	279,903,844	238,065,297
Sales and other changes treasury shares number of shares	(249,566,201)	(245,985,735)	(231,956,502)
Treasury shares derivatives on shares number of shares	0	0	0
Treasury shares other changes number of shares	0	0	0
Shares In Entity Held By Entity Or By Its Subsidiaries Or Associate	0	0	0
Treasury Shares Held By Corporacion General Financiera S A number of shares	12,617,189	47,257,691	13,339,582
Held by other subsidiaries number of shares	0	0	0
Average purchase price in Euros number of shares	5.06	6.11	7.03
Treasury Shares Average Selling Price In Euros number of shares	5.2	6.25	6.99
Number of treasury shares	47,257,691	13,339,582	7,230,787	12,617,189
Treasury shares [Member]
Treasury Share Reconciliation Line Items
Treasury shares Balance at beginning	€ 296,000,000	€ 96,000,000	€ 48,000,000
Changes in treasury shares abstract
Purchase of treasury shares	1,088,000,000	1,683,000,000	1,674,000,000
Sale or cancellation of treasury shares	(1,298,000,000)	(1,505,000,000)	(1,622,000,000)
Treasury Shares Derivatives On Shares	(23,000,000)	23,000,000	(4,000,000)
Treasury Shares Other Changes	0	0	0
Shares In Entity Held By Entity Or By ItsSubsidiaries Or Associates millions of euros	0	0	0
Treasury Shares Held By Corporacion General Financiera S.A	62,000,000	296,000,000	96,000,000
Treasury Shares Held By Other Subsidiaries	0	0	0
Treasury Shares Average Purchase Price In Euros	0	0	0
Treasury Shares Average Selling Price In Euros	0	0	0
Treasury Shares Net Gain Or Losses On Transactions	13,000,000	(24,000,000)	1,000,000
Treasury shares Balance at the end	€ 62,000,000	€ 296,000,000	€ 96,000,000

Note 29 - Treasury Shares Tre_2

Note 29 - Treasury Shares Treasury Stock - Treasury Stock (Details)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Bottom Of Range Member
Treasury Stock Line Items
Percentage Treasury Stock	0.138%	0.20%	0.004%
Top Of Range [Member]
Treasury Stock Line Items
Percentage Treasury Stock	0.746%	0.85%	0.278%
Closing range [Member]
Treasury Stock Line Items
Percentage Treasury Stock	0.213%	0.709%	0.20%

Note 29 - Treasury Shares Share

Note 29 - Treasury Shares Shares Accepted In Pledge and Treasury Stock (Details) - shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Shares Accepted In Pledge Abstract
Number Of Shares Accepted In Pledge	43,018,382	61,632,832	64,633,003
PercentageShareCapitalOfPledgeShares	0.65%	0.92%	0.97%

Note 29 - Treasury Shares Sha_2

Note 29 - Treasury Shares Shares Owned By Third Parties But Managed (Details) - shares	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Shares Owned By Third Parties But Managed By The Group Abstract
Number Of Shares Owned By Third Parties	23,807,398	25,306,229	34,597,310
Percentage Share Capital	0.36%	0.38%	0.52%

Note 30 - Accumulated Other C_3

Note 30 - Accumulated Other Comprehensive Income Accumulated Other Comprehensive Income (Details) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Accumulated other comprehensive income abstract
Total Items that will not be reclassified to profit or loss balance		€ (1,875,000,000)	€ (1,284,000,000)	€ (1,183,000,000)	[1]
Actuarial gains or (-) losses on defined benefit pension plans		(1,498,000,000)	(1,245,000,000)	(1,183,000,000)	[1]
Non-current assets and disposal groups classified as held for sale (not reclassified)		2,000,000	0	0	[1]
Share of other recognized income and expense of investments in subsidiaries, joint ventures and associates		0	0	0	[1]
Other Comprehensive Income Net Of Tax Change At fair Value Of Equity Instruments Measured At Fair Value		(403,000,000)	(155,000,000)
Hedge ineffectiveness of fair value hedges for equity instruments measured at fair value through other comprehensive income		0	0
Fair value changes of financial liabilities at fair value through profit or loss attributable to changes in their credit risk		24,000,000	116,000,000
Total Items that may be reclassified to profit or loss		(5,359,000,000)	(5,932,000,000)	(5,755,000,000)	[2]
Hedge of net investments in foreign operations(effective portion)		(896,000,000)	(218,000,000)	1,000,000	[2]
Foreign currency translation balance		(6,161,000,000)	(6,643,000,000)	(7,297,000,000)	[2]
Hedging derivatives.Cash flow hedges(efffective portion)		(44,000,000)	(6,000,000)	(34,000,000)	[2]
Financial Assets Available for sale	[2]			1,641,000,000
Changes In The Fair Value Of Debt Instruments Measured At Fair Value With Changes In Other Comprehensive Income		1,760,000,000	943,000,000
Hedging Instruments		0	0	0
Non-current assets and disposal groups classified as held for sale		(18,000,000)	1,000,000	(26,000,000)
Share of other recognized income and expense of investments in subsidiaries joint ventures and associates		1,000,000	(9,000,000)	(40,000,000)
Total accumulated other comprehensive income		€ (7,235,000,000)	€ (7,215,000,000)	€ (6,939,000,000)
[1]	(*) See Note 1.3
[2]	(*) See Note 1.3

Note 31 - Non Controlling Int_3

Note 31 - Non Controlling Interest (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Non Controllling Interest Line Items
Profit Loss Attributable To Non controlling Interests	€ 3,512,000,000	€ 5,400,000,000	€ 3,514,000,000
Garanti Turkiye Bankasi Group
Non Controllling Interest Line Items
Profit Loss Attributable To Non controlling Interests	524,000,000	585,000,000	883,000,000
Total Non Controlling Interests	4,240,000,000	4,058,000,000	4,903,000,000
BBVA Peru [Member]
Non Controllling Interest Line Items
Profit Loss Attributable To Non controlling Interests	236,000,000	227,000,000	208,000,000
Total Non Controlling Interests	1,334,000,000	1,167,000,000	1,059,000,000
Bbva Argentina [Member]
Non Controllling Interest Line Items
Profit Loss Attributable To Non controlling Interests	60,000,000	(18,000,000)	93,000,000
Total Non Controlling Interests	422,000,000	352,000,000	420,000,000
BBVA Colombia Group
Non Controllling Interest Line Items
Profit Loss Attributable To Non controlling Interests	11,000,000	9,000,000	7,000,000
Total Non Controlling Interests	76,000,000	67,000,000	65,000,000
Bbva Venezuela [Member]
Non Controllling Interest Line Items
Profit Loss Attributable To Non controlling Interests	(1,000,000)	(5,000,000)	(2,000,000)
Total Non Controlling Interests	71,000,000	67,000,000	78,000,000
Other [Member]
Non Controllling Interest Line Items
Profit Loss Attributable To Non controlling Interests	4,000,000	30,000,000	55,000,000
Total Non Controlling Interests	57,000,000	53,000,000	454,000,000
Total Member
Non Controllling Interest Line Items
Profit Loss Attributable To Non controlling Interests	833,000,000	827,000,000	1,243,000,000
Total Non Controlling Interests	€ 6,201,000,000	€ 5,764,000,000	€ 6,979,000,000

Note 32 - Capital Base and Ca_3

Note 32 - Capital Base and Capital Management - Eligible Capital Resources (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Capital Base And Capital Management
Capital (Capital base and capital management)		€ 3,267,000,000	€ 3,267,000,000	€ 3,267,000,000
Share Premium		23,992,000,000	23,992,000,000	23,992,000,000
Retained Earnings, Revaluation Reserve, And Other Reserves		26,277,000,000	23,021,000,000	23,724,000,000
Other Equity ( Capital base and management)		56,000,000	50,000,000	54,000,000
Less Treasury shares		(62,000,000)	(296,000,000)	(96,000,000)
Profit or loss attributable to owners of the parent		3,512,000,000	5,400,000,000	3,514,000,000
Less Interim dividends		(1,084,000,000)	(1,109,000,000)	(1,172,000,000)
Shareholder's Funds		55,958,000,000	54,326,000,000	53,283,000,000
Accumulated Other Comprehensive Income		(7,235,000,000)	(7,215,000,000)	(6,939,000,000)
Total Non-Controlling interests		6,201,000,000	5,764,000,000	6,979,000,000
Equity		54,925,000,000	52,874,000,000	53,323,000,000
Intangible assets ( Eligible Capital Resources)		(6,803,000,000)	(8,199,000,000)	(6,627,000,000)
Synthetic Treasure Shares		(422,000,000)	(135,000,000)	(182,000,000)
Capital Deductions		(7,225,000,000)	(8,334,000,000)	(6,809,000,000)
Transitory Cet 1 Adjustments		0	0	(273,000,000)
Capital Gains From AFS Debt		0	0	(256,000,000)
Capital Gains From AFS Equity		0	0	(17,000,000)
Differences From Solvency And Accounting Level		(215,000,000)	(176,000,000)	(189,000,000)
Non Eligible Equity		(215,000,000)	(176,000,000)	(462,000,000)
Other Adjustments And Deductions	[1]	(3,832,000,000)	(4,049,000,000)	(3,711,000,000)
CET 1		43,653,000,000	40,313,000,000	42,341,000,000
Additional Tier 1 Before Regulatory Adjustments		6,048,000,000	5,634,000,000	6,296,000,000
Total Regulatory Adjustments Of Addittional Tier 1		0	0	(1,657,000,000)
Tier 1 (Eligible capital resources)		49,701,000,000	45,947,000,000	46,980,000,000
Tier 2 ( Eligible capital resources)		8,304,000,000	8,756,000,000	8,798,000,000
Total Capital (Tier 1 + Tier 2))		58,005,000,000	54,703,000,000	55,778,000,000
Total Capital		€ 46,540,000,000	€ 41,576,000,000	€ 40,370,000,000
[1]	(1) Other adjustments and deductions includes the amount of minority interest not eligible as capital, amount of dividends not distributed and other deductions and filters set by the CRR.

Note 32 - Capital Base and Ca_4

Note 32 - Capital Base and Capital Management - Leverage Ratio (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Capital Base And Capital Management
Tier 1 eligible capital resources capital base	€ 49,701,000,000	€ 45,947,000,000	€ 46,980,000,000
Exposure (thousand of euros)	€ 731,087,000,000	€ 705,299,000,000	€ 709,758,000,000
Leverage Ratio	6.80%	6.51%	6.62%

Note 32 - Capital Base and Ca_5

Note 32 - Capital Base and Capital Management -Regulatory Capital (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Capital And Share Premium [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	€ 27,259,000,000	€ 27,259,000,000	€ 27,259,000,000
Accumulated Income And Ordinary Capital Elements [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	26,960,000,000	23,773,000,000	23,791,000,000
Other Accumulated Income And Other Reserves [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	(7,157,000,000)	(7,143,000,000)	(6,863,000,000)
Minoritary ShareHolding [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	4,404,000,000	3,809,000,000	5,446,000,000
Provisional Porfit [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	1,316,000,000	3,188,000,000	1,302,000,000
Tier 1 Ordinary Capital Before Regulatory Adjustments [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	52,783,000,000	50,887,000,000	50,935,000,000
Goodwill And Intangible Assets [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	(6,803,000,000)	(8,199,000,000)	(6,627,000,000)
Direct And Indirect Equity Instruments Tenure [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	(484,000,000)	(432,000,000)	(278,000,000)
Deferred Taxes Assets [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	(1,420,000,000)	(1,260,000,000)	(755,000,000)
Other Deductions And Filters [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	(423,000,000)	(682,000,000)	(933,000,000)
Total Tier 1 Ordinary Capital Regulatory Adjustments [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	(9,130,000,000)	(10,573,000,000)	(8,594,000,000)
Ordinary Tier 1 Capital CET1 [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	43,653,000,000	40,313,000,000	42,341,000,000
Equity Instruments And Share Premium Classified As Computable Liabilities AT1 [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	5,400,000,000	5,005,000,000	5,893,000,000
Admsible Tier 1 Capital Included In Adittional Level 1 Capital Issued By Joint Ventures And Third Parties [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	648,000,000	629,000,000	403,000,000
Adittional Tier 1 Capital Before Regulatory Adjustments [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	6,048,000,000	5,634,000,000	6,296,000,000
Tier 1 Transitory Adjustments [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	0	0	(1,657,000,000)
Total Adittional Tier 1 Regulatory Adjustments [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	0	0	(1,657,000,000)
Adittional Tier 1 Capital [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	6,048,000,000	5,634,000,000	4,639,000,000
Total Tier 1 Capital Ordinary Adittional [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	49,701,000,000	45,947,000,000	46,980,000,000
Equity Instruments And Share Premium Computable As Tier 2 [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	3,064,000,000	3,768,000,000	1,759,000,000
Admsible Capital Included In Adittional Tier 2 Capital Issued By Joint Ventures And Third Parties Member [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	4,690,000,000	4,409,000,000	6,438,000,000
Credit Risk Adjustments [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	550,000,000	579,000,000	601,000,000
Tier 2 Capital Before Regulatory Adjustments [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	8,304,000,000	8,756,000,000	8,798,000,000
Regulatory Adjustments Tier 2 Capital [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	0	0	0
Tier 2 Capital [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	8,304,000,000	8,756,000,000	8,798,000,000
Total Capital [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	58,005,000,000	54,703,000,000	55,778,000,000
Total APRs [Member]
Type Of Regulatory Capital [Table]
Share Holders Equity Regulatory Capital	€ 364,448,000,000	€ 348,264,000,000	€ 362,875,000,000
CET 1 Ratio Phased In [Member]
Type Of Regulatory Capital [Table]
Percentage Ratio Phased In	12.00%	11.60%	11.70%
Tier 1 Ratio Phased In [Member]
Type Of Regulatory Capital [Table]
Percentage Ratio Phased In	13.60%	13.20%	12.90%
Total Capital Phased In [Member]
Type Of Regulatory Capital [Table]
Percentage Ratio Phased In	15.90%	15.70%	15.40%

Note 33 - Commitments and gua_3

Note 33 - Commitments and guarantees given (Details) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Loan commitments, Financial guarantees and other commitments Line Items
Loan commitments given		€ 130,923,000,000	€ 118,959,000,000	€ 94,268,000,000
Financial guarantees given	[1]	10,984,000,000	16,454,000,000	16,545,000,000
Of which: defaulted
Loan commitments, Financial guarantees and other commitments Line Items
Loan commitments given		270,000,000	247,000,000	537,000,000
Financial guarantees given		224,000,000	332,000,000	278,000,000
Other commitments and guarantees given		506,000,000	408,000,000	461,000,000
Central Banks [Member]
Loan commitments, Financial guarantees and other commitments Line Items
Loan commitments given		0	0	1,000,000
Financial guarantees given		0	2,000,000	0
Other commitments and guarantees given		1,000,000	1,000,000	7,000,000
Government [Member]
Loan commitments, Financial guarantees and other commitments Line Items
Loan commitments given		3,117,000,000	2,318,000,000	2,198,000,000
Financial guarantees given		125,000,000	159,000,000	248,000,000
Other commitments and guarantees given		521,000,000	248,000,000	227,000,000
Credit Institutions [Member]
Loan commitments, Financial guarantees and other commitments Line Items
Loan commitments given		11,742,000,000	9,635,000,000	946,000,000
Financial guarantees given		995,000,000	1,274,000,000	1,158,000,000
Other commitments and guarantees given		5,952,000,000	5,875,000,000	15,330,000,000
Other financial corporations
Loan commitments, Financial guarantees and other commitments Line Items
Loan commitments given		4,578,000,000	5,664,000,000	3,795,000,000
Financial guarantees given		583,000,000	730,000,000	3,105,000,000
Other commitments and guarantees given		2,902,000,000	2,990,000,000	3,820,000,000
Non-financial corporations
Loan commitments, Financial guarantees and other commitments Line Items
Loan commitments given		65,475,000,000	58,405,000,000	58,133,000,000
Financial guarantees given		8,986,000,000	13,970,000,000	11,518,000,000
Other commitments and guarantees given		29,682,000,000	25,723,000,000	25,992,000,000
Households [Member]
Loan commitments, Financial guarantees and other commitments Line Items
Loan commitments given		46,011,000,000	42,936,000,000	29,195,000,000
Financial guarantees given		295,000,000	319,000,000	516,000,000
Other commitments and guarantees given		151,000,000	261,000,000	362,000,000
Total Member
Loan commitments, Financial guarantees and other commitments Line Items
Loan commitments given		130,923,000,000	118,959,000,000	94,268,000,000
Financial guarantees given		10,984,000,000	16,454,000,000	16,545,000,000
Other commitments and guarantees given		39,209,000,000	35,098,000,000	45,738,000,000
Total Loan commitments and financial guarantees		€ 181,116,000,000	€ 170,511,000,000	€ 156,551,000,000
[1]	(*) Non-performing financial guarantees given amounted to €730, €740 and €739 million, respectively, as of December 31, 2019, 2018 and 2017.

Note 35 - Purchase and sale c_3

Note 35 - Purchase and sale commitments and future payment obligations- Purchase and sale commitments (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Total Member | Financial Liabilities Held For Trading [Member]
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Repurchase Agreements	€ 41,902,000,000	€ 36,815,000,000	€ 0
Total Member | Financial liabilities at amortized cost [Member]
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Repurchase Agreements	4,054,000,000	6,178,000,000	40,077,000,000
Total Member | Financial Assets Held For Trading [Member]
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed	33,941,000,000	27,262,000,000	0
Total Member | Financial Assets At Amortised Cost Member
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed	1,843,000,000	772,000,000	26,368,000,000
Total Member | Total Member
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Repurchase Agreements	45,956,000,000	42,993,000,000	40,077,000,000
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed	35,784,000,000	28,034,000,000	26,368,000,000
Central Banks [Member] | Financial Liabilities Held For Trading [Member]
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Repurchase Agreements	7,635,000,000	10,511,000,000	0
Central Banks [Member] | Financial liabilities at amortized cost [Member]
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Repurchase Agreements	826,000,000	375,000,000	6,155,000,000
Central Banks [Member] | Financial Assets Held For Trading [Member]
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed	535,000,000	2,163,000,000	0
Central Banks [Member] | Financial Assets At Amortised Cost Member
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed	0	0	305,000,000
Credit Institutions [Member] | Financial Liabilities Held For Trading [Member]
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Repurchase Agreements	24,578,000,000	14,839,000,000	0
Credit Institutions [Member] | Financial liabilities at amortized cost [Member]
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Repurchase Agreements	2,693,000,000	4,593,000,000	24,843,000,000
Credit Institutions [Member] | Financial Assets Held For Trading [Member]
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed	21,219,000,000	13,305,000,000	0
Credit Institutions [Member] | Financial Assets At Amortised Cost Member
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed	1,817,000,000	478,000,000	13,861,000,000
Customer Deposits [Member] | Financial Liabilities Held For Trading [Member]
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Repurchase Agreements	9,689,000,000	11,466,000,000	0
Customer Deposits [Member] | Financial liabilities at amortized cost [Member]
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Repurchase Agreements	535,000,000	1,209,000,000	9,079,000,000
Customer Deposits [Member] | Financial Assets Held For Trading [Member]
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed	12,187,000,000	11,794,000,000	0
Customer Deposits [Member] | Financial Assets At Amortised Cost Member
Disclosure Of Purchase And Sale Commitments And Future Payment Obligations Line Items
Reverse Repurchase Agreements And Cash Collateral On Securities Borrowed	€ 26,000,000	€ 294,000,000	€ 12,202,000,000

Note 35 - Purchase and sale c_4

Note 35 - Purchase and sale commitments and future payment obligations- Maturity of future payment obligations (Details)	12 Months Ended
	Dec. 31, 2019EUR (€)
Not Later Than One Year Member
Maturity of Future Payment Obligations Line Items
Purchase commitments future payments	€ 23,000,000
Technology and systems projects	4,000,000
Other projects future payments	19,000,000
Total Future payments obligations	23,000,000
Later than one year and not later than three years member
Maturity of Future Payment Obligations Line Items
Purchase commitments future payments	0
Technology and systems projects	0
Other projects future payments	0
Total Future payments obligations	0
Later Than Three Years And Not Later Than Five Years [Member]
Maturity of Future Payment Obligations Line Items
Purchase commitments future payments	0
Technology and systems projects	0
Other projects future payments	0
Total Future payments obligations	0
Later Than Five Years [Member]
Maturity of Future Payment Obligations Line Items
Purchase commitments future payments	0
Technology and systems projects	0
Other projects future payments	0
Total Future payments obligations	0
Total Member
Maturity of Future Payment Obligations Line Items
Purchase commitments future payments	23,000,000
Technology and systems projects	4,000,000
Other projects future payments	19,000,000
Total Future payments obligations	€ 23,000,000

Note 36 - Transactions on beh_3

Note 36 - Transactions on behalf of third parties (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Transactions On Behalf Of Third Parties Abstract
Financial instruments entrusted by third parties	€ 693,377,000,000	€ 628,417,000,000	€ 624,822,000,000
Conditional bills and other securities received for collection	13,133,000,000	13,484,000,000	14,775,000,000
Securities Lending	7,129,000,000	4,866,000,000	5,485,000,000
Total Transactions Third Parties	€ 713,639,000,000	€ 646,768,000,000	€ 645,081,000,000

Note 37 - Interest Income and_3

Note 37 - Interest Income and Expense - Interest Income Break Down By Origin (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest Income And Expense
Available-for-sale financial assets(Interest Income)	€ 2,041,000,000	€ 2,057,000,000	€ 1,306,000,000
Financial Assets At Fair Value Through Profit And Loss	159,000,000	148,000,000	73,000,000
Interest Income Financial Assets At Fair Value Through Other Comprehensive Income	1,815,000,000	1,846,000,000	1,485,000,000
Financial Assets at Amortized Cost	25,698,000,000	24,572,000,000	24,485,000,000
Insurance activity Interest Income (Interest Income)	1,079,000,000	1,141,000,000	1,058,000,000
Adjustments of income as a result of hedging transactions (Interest Income)	(74,000,000)	(201,000,000)	415,000,000
Other Income Interest Income (Interest Income)	343,000,000	268,000,000	474,000,000
Total Interest Income (Income Statement)	€ 31,061,000,000	€ 29,831,000,000	€ 29,296,000,000

Note 37 - Interest Income and_4

Note 37 - Interest Income and Expense - Interest Expense Break Down By Origin (Details) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest Income And Expense
Interest Expenses Financial Liabilities Held For Trading		€ 1,230,000,000	€ 1,211,000,000	€ 87,000,000
Interest Expense Financial Liabilities At Fair Value Through Profit Or Loss		6,000,000	41,000,000	0
Financial Liabilities At Amortized Cost	[1]	10,805,000,000	10,321,000,000	9,729,000,000
Cost Rectification From Accounting Hedges		(246,000,000)	(352,000,000)	665,000,000
Insurance activity interest expense (Interest Expense)		753,000,000	832,000,000	732,000,000
Cost From Pensions Funds		86,000,000	73,000,000	79,000,000
Other expenses interest expenses(Interest Expense)		224,000,000	113,000,000	245,000,000
Total Interest Expense		€ 12,859,000,000	€ 12,239,000,000	€ 11,537,000,000
[1]	(*) Includes €114 million as of December 31, 2019 corresponding to interest expense on leases (see Note 22.5).

Note 38 - Dividend income (Deta

Note 38 - Dividend income (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Dividens Revenue Line Items
Dividend income	€ 162,000,000	€ 157,000,000	€ 334,000,000
Financial assets at fair value through profit or loss not classified as held for trading [Member]
Dividens Revenue Line Items
Dividend income	26,000,000	19,000,000	145,000,000
Financial Assets At Fair Value Through Other Comprehensive Income Member
Dividens Revenue Line Items
Dividend income	136,000,000	138,000,000	188,000,000
Total Member
Dividens Revenue Line Items
Dividend income	€ 162,000,000	€ 157,000,000	€ 334,000,000

Note 39 - Share of profit or _2

Note 39 - Share of profit or loss of entities accounted for using the equity method (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Share of profit or loss of entities accounted for using the equity method
investments in entities accounted for using the equity method	€ (42,000,000)	€ (7,000,000)	€ 4,000,000

Note 40 - Fee and commission _3

Note 40 - Fee and commission income and expenses - Fee And Commission Income (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Fee And Commission Income Expenses
Bills receivables	€ 39,000,000	€ 39,000,000	€ 46,000,000
Demand Accounts	526,000,000	451,000,000	507,000,000
Credit and Debit Cards	3,083,000,000	2,900,000,000	2,834,000,000
Checks	203,000,000	194,000,000	212,000,000
Transfers and other payment orders Income	735,000,000	689,000,000	648,000,000
Insurance product commissions	172,000,000	178,000,000	200,000,000
Loans Granted Pledges	222,000,000	223,000,000	231,000,000
Other Pledges And Financial Guarantees	392,000,000	390,000,000	396,000,000
Asset Management	1,066,000,000	1,023,000,000	923,000,000
Securities fees	319,000,000	325,000,000	385,000,000
Custody securities	123,000,000	122,000,000	122,000,000
Other fee and commission income	642,000,000	598,000,000	645,000,000
Total Fee And commission income (Income Statement)	€ 7,522,000,000	€ 7,132,000,000	€ 7,150,000,000

Note 40 - Fee and commission _4

Note 40 - Fee and commission income and expenses - Fee And Commission Expense (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Fee And Commission Income Expenses
DemandAccountsExpenses	€ 36,000,000	€ 39,000,000	€ 45,000,000
Credit and debit cards	1,662,000,000	1,502,000,000	1,458,000,000
Transfers and other payment orders Expenses	150,000,000	96,000,000	123,000,000
Commissions for selling insurance	54,000,000	48,000,000	60,000,000
SecuritiesAdministrationAndCustody	30,000,000	29,000,000	38,000,000
Other fee and commissions	557,000,000	539,000,000	506,000,000
Total Fee and commission expense (Income Statement)	€ 2,489,000,000	€ 2,253,000,000	€ 2,229,000,000

Note 41 - Gains (losses) on f_3

Note 41 - Gains (losses) on financial assets and liabilities (net) and Exchange Differences - Gains or losses on financial assets and liabilities and exchange differences. Breakdown by heading of the balance sheet (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Gains Or Losses on Financial Assets And Liabilities And Exchanges Differences
Total Gains or losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss net ( Income Statement)	€ 239,000,000	€ 216,000,000	€ 985,000,000
Available-for-sale, gains (losses) on derecognition of financial instruments not measured at fair value	65,000,000	51,000,000	133,000,000
Other, Gains or Losses arising from derecognition of financial assets measured at amortised cost	173,000,000	164,000,000	852,000,000
Gains or losses on financial assets and liabilities held for trading, net (Income Statement)	451,000,000	707,000,000	218,000,000
Reclassification of financial assets from fair value through other comprehensive income	0	0
Reclassification of financial assets from amortized cost	0	0
Other gains or losses on financial assets and liabilties held for trading	451,000,000	707,000,000
Gains losses on non trading financial assets at fair value through profit or loss	143,000,000	96,000,000
Reclassification of financial assets from fair value through other comprehensive income	0	0
Reclassification of financial assets from amortized cost	0	0
Other Gains Or Losses on financial assets and liabilities at fair value through profit or loss	143,000,000	96,000,000
Gains or losses on financial assets and liabilities designated at fair value through profit or loss net (Income Statement)	(94,000,000)	143,000,000	(56,000,000)
Gains or losses from hedge accounting net (Income Statement)	59,000,000	72,000,000	(209,000,000)
Total Gains (losses) on financial assets and liabilities (net)	798,000,000	1,234,000,000	938,000,000
Exchange differences (Income Statement)	586,000,000	(9,000,000)	1,030,000,000
Total gains (losses) on financial instruments and exchange differences	€ 1,383,000,000	€ 1,223,000,000	€ 1,968,000,000

Note 41 - Gains (losses) on f_4

Note 41 - Gains (losses) on financial assets and liabilities (net) and Exchange Differences - Breakdown by nature of the financial instrument (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Debt Securities [Member]
Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems
Equity Instruments, gains (losses) on financial instruments	€ 972,000,000	€ 354,000,000	€ 545,000,000
Equity instruments [Member]
Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems
Equity Instruments, gains (losses) on financial instruments	1,337,000,000	(253,000,000)	845,000,000
Derivatives [Member]
Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems
Equity Instruments, gains (losses) on financial instruments	(1,098,000,000)	927,000,000	(470,000,000)
Loans and advances [Member]
Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems
Equity Instruments, gains (losses) on financial instruments	103,000,000	(172,000,000)	97,000,000
Customer Deposits [Member]
Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems
Equity Instruments, gains (losses) on financial instruments	(26,000,000)	240,000,000	(96,000,000)
Other [Member]
Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems
Equity Instruments, gains (losses) on financial instruments	(490,000,000)	138,000,000	18,000,000
Total Member
Gains Or Losses In Financial Assets And Liabilities Breakdown By Financial Instrument LineI tems
Equity Instruments, gains (losses) on financial instruments	€ 798,000,000	€ 1,234,000,000	€ 938,000,000

Note 41 - Gains (losses) on f_5

Note 41 - Gains (losses) on financial assets and liabilities (net) and Exchange Differences - Derivatives - Hedge accounting (Details) - EUR (€)	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Total Member
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	€ (1,098,000,000)	€ 927,000,000	€ (470,000,000)
Trading Derivatives [Member] | Interest Rate Risk Member
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	(64,000,000)	90,000,000	165,000,000
Trading Derivatives [Member] | Securities Agreements [Member]
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	(1,079,000,000)	294,000,000	(139,000,000)
Trading Derivatives [Member] | Commodities Risk [Member]
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	6,000,000	(2,000,000)	99,000,000
Trading Derivatives [Member] | Credit Risk Member
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	74,000,000	(109,000,000)	(564,000,000)
Trading Derivatives [Member] | Foreign Exchange And Gold Risk [Member]
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	(60,000,000)	606,000,000	315,000,000
Trading Derivatives [Member] | Other Risk [Member]
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	(35,000,000)	(24,000,000)	(137,000,000)
Trading Derivatives [Member] | Subtotal [Member]
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	(1,158,000,000)	856,000,000	(261,000,000)
Hedging Derivatives Ineffectiveness [Member] | Fair Value Risk [Member]
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	59,000,000	87,000,000	(177,000,000)
Hedging Derivatives Ineffectiveness [Member] | Hedging Derivatives [Member]
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	14,000,000	(150,000,000)	(236,000,000)
Hedging Derivatives Ineffectiveness [Member] | Hedged Item
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	45,000,000	237,000,000	59,000,000
Hedging Derivatives Ineffectiveness [Member] | Cash Flow Risk [Member]
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	0	(15,000,000)	(32,000,000)
Hedging Derivatives Ineffectiveness [Member] | Subtotal [Member]
Gains or losses en financial assets and liabilities trading derivatives line items
Equity Instruments, gains (losses) on financial instruments	€ 59,000,000	€ 72,000,000	€ (209,000,000)

Note 42 - Other operating inc_3

Note 42 - Other operating income and expenses - Other Operating Income Explanatory (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Other Operating Income and Expenses
Financial income from non-financial services		€ 258,000,000	€ 458,000,000	€ 1,109,000,000
Of which: Real estate companies Income		91,000,000	283,000,000	884,000,000
Rest of other operating income		413,000,000	491,000,000	330,000,000
Of which: Hiperinflation Adjustments	[1]	146,000,000	120,000,000	0
Total Other operating income (Income Statement)		€ 671,000,000	€ 949,000,000	€ 1,439,000,000
[1]	(*) See Note 2.2.20.

Note 42 - Other operating inc_4

Note 42 - Other operating income and expenses - Other Operating Expense Explanatory (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Other Operating Income and Expenses
Change in inventories		€ 107,000,000	€ 292,000,000	€ 886,000,000
Of which: Real estate companies Expenses		68,000,000	248,000,000	816,000,000
Rest of other operating expenses		1,899,000,000	1,808,000,000	1,337,000,000
OfWhichDepositsGuaranteeFund		770,000,000	727,000,000	703,000,000
OfWhichHiperinflationAdjustmentsExpense	[1]	538,000,000	494,000,000	31,000,000
Total Other operating expenses (Income Statement)		€ 2,006,000,000	€ 2,101,000,000	€ 2,223,000,000
[1]	(*) See Note 2.2.20.

Note 43 - Insurance and reins_3

Note 43 - Insurance and reinsurance contracts income and expenses - Other operating income and expenses on insurance and reinsurance contracts (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Insurance and Reinsurance Contracts Income and Expenses
Income on insurance and reinsurance contracts (Income Statement)	€ 2,890,000,000	€ 2,949,000,000	€ 3,342,000,000
Expenses on insurance and reinsurance contracts (Income Statement)	(1,751,000,000)	(1,894,000,000)	(2,272,000,000)
Total Net Income Arising from Insurance and Reinsurance Contracts	€ 1,138,000,000	€ 1,055,000,000	€ 1,069,000,000

Note 43 - Insurance and reins_4

Note 43 - Insurance and reinsurance contracts income and expenses Income by type of insurance product (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Net income Arising From Insurance Products Line Items
Net Income Arising from Insurance and Reinsurance Contracts	€ 1,138,000,000	€ 1,055,000,000	€ 1,069,000,000
Life Insurance Contracts
Net income Arising From Insurance Products Line Items
Net Income Arising from Insurance and Reinsurance Contracts	631,000,000	682,000,000	604,000,000
Individidual Contract [Member]
Net income Arising From Insurance Products Line Items
Net Income Arising from Insurance and Reinsurance Contracts	477,000,000	486,000,000	346,000,000
Individidual Contract [Member] | Savings Insurance [Member]
Net income Arising From Insurance Products Line Items
Net Income Arising from Insurance and Reinsurance Contracts	116,000,000	56,000,000	38,000,000
Individidual Contract [Member] | Risk Insurance [Member]
Net income Arising From Insurance Products Line Items
Net Income Arising from Insurance and Reinsurance Contracts	361,000,000	430,000,000	308,000,000
Collective Contract [Member]
Net income Arising From Insurance Products Line Items
Net Income Arising from Insurance and Reinsurance Contracts	154,000,000	196,000,000	258,000,000
Collective Contract [Member] | Savings Insurance [Member]
Net income Arising From Insurance Products Line Items
Net Income Arising from Insurance and Reinsurance Contracts	26,000,000	39,000,000	(4,000,000)
Collective Contract [Member] | Risk Insurance [Member]
Net income Arising From Insurance Products Line Items
Net Income Arising from Insurance and Reinsurance Contracts	127,000,000	157,000,000	263,000,000
Non life Insurance Contracts
Net income Arising From Insurance Products Line Items
Net Income Arising from Insurance and Reinsurance Contracts	508,000,000	373,000,000	464,000,000
Non life Insurance Contracts | Home Insurance [Member]
Net income Arising From Insurance Products Line Items
Net Income Arising from Insurance and Reinsurance Contracts	90,000,000	110,000,000	118,000,000
Non life Insurance Contracts | Other Non Life Insurance [Member]
Net income Arising From Insurance Products Line Items
Net Income Arising from Insurance and Reinsurance Contracts	418,000,000	263,000,000	346,000,000
Total Member
Net income Arising From Insurance Products Line Items
Net Income Arising from Insurance and Reinsurance Contracts	€ 1,138,000,000	€ 1,055,000,000	€ 1,069,000,000

Note 44 - Administration Cost_2

Note 44 - Administration Costs - Personnel Expenses Breakdown (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Classes Of Employee Benefits Expense
Wages And Salaries	€ 4,920,000,000	€ 4,786,000,000	€ 5,163,000,000
Social Security Contributions	780,000,000	722,000,000	761,000,000
Employer contributions	113,000,000	89,000,000	87,000,000
Defined benefit plans	50,000,000	58,000,000	62,000,000
Other Employee Expense	478,000,000	465,000,000	497,000,000
Total Employee Benefits Expense	€ 6,340,000,000	€ 6,120,000,000	€ 6,571,000,000

Note 44 - Administration Cost_3

Note 44 - Administration Costs - Other Administrative Expenses (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Classes Of Employee Benefits Expense
Technology And Systems		€ 1,216,000,000	€ 1,133,000,000	€ 1,018,000,000
CommunicationExpense		218,000,000	235,000,000	269,000,000
Advertising Expense		317,000,000	336,000,000	352,000,000
Property Fixtures And Materials		552,000,000	982,000,000	1,033,000,000
Of Which Rent Expenses	[1]	106,000,000	552,000,000	581,000,000
Taxes Other Than Income Tax		401,000,000	417,000,000	456,000,000
Other Expense By Nature		1,258,000,000	1,271,000,000	1,412,000,000
Total Administrative Expense		€ 3,963,000,000	€ 4,374,000,000	€ 4,541,000,000
[1]	(*) The change is mainly due to the implementation of IFRS 16 on January 1, 2019 (see Note 2.1).

Note 45 - Depreciation (Details

Note 45 - Depreciation (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Depreciation And Amortisation Expense Line Items
Depreciation and amortization		€ 1,599,000,000	€ 1,208,000,000	€ 1,387,000,000
Tangible assets [Member]
Depreciation And Amortisation Expense Line Items
Depreciation and amortization		979,000,000	594,000,000	694,000,000
For Own Use Depreciable Assets [Member]
Depreciation And Amortisation Expense Line Items
Depreciation and amortization		584,000,000	589,000,000	680,000,000
Investment Property [Member]
Depreciation And Amortisation Expense Line Items
Depreciation and amortization		3,000,000	5,000,000	13,000,000
Asset Use Right [Member]
Depreciation And Amortisation Expense Line Items
Depreciation and amortization	[1]	392,000,000
Other Intangible Assets [Member]
Depreciation And Amortisation Expense Line Items
Depreciation and amortization		620,000,000	613,000,000	694,000,000
Total Member
Depreciation And Amortisation Expense Line Items
Depreciation and amortization		€ 1,599,000,000	€ 1,208,000,000	€ 1,387,000,000
[1]	(*) The change is mainly due to the implementation of IFRS 16 on January 1, 2019 (see Note 2.1).

Note 46 - Provisions or rever_3

Note 46 - Provisions or reversal provisions (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Provisions or reversal of provisions Abstract
Pensions and other post employment defined benefit obligations	€ 214,000,000	€ 125,000,000	€ 343,000,000
Commitments and guarantees given	93,000,000	(48,000,000)	(313,000,000)
Pending legal issues and tax litigation	170,000,000	133,000,000	318,000,000
Other Provisions Or Reversal Provisions	140,000,000	163,000,000	397,000,000
Total Provisions	€ 617,000,000	€ 373,000,000	€ 745,000,000

Note 47 - Impairment or rever_3

Note 47 - Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Impairment or reversal of impairment on financial assets not measured at fair value through profir or loss
Total Available-for-sale financial assets, impairment or reversal of impairment	€ 82,000,000	€ 1,000,000	€ 1,127,000,000
Debt securities, impairment or reversal of impairment	82,000,000	1,000,000	(4,000,000)
Other equity instruments, impairment or reversal of impairment			1,131,000,000
Loans and receivables, impairment or reversal of impairment	4,069,000,000	3,980,000,000	3,677,000,000
Recovery of written-off assets	(919,000,000)	(589,000,000)	(558,000,000)
Held to maturity investments, impairment or reversal of impairment			(1,000,000)
Total impairment or reversal of impairment on financial assets not measured at fair value through profit or loss	€ 4,151,000,000	€ 3,981,000,000	€ 4,803,000,000

Note 48 - Impairment or rever_3

Note 48 - Impairment or reversal of impairment on non-financial assets (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Impairment or reversal of impairment on non-financial assets
Tangible assets, impairment or reversal of impairment		€ 94,000,000	€ 5,000,000	€ 42,000,000
Intangible assets, impairment or reversal of impairment	[1]	1,330,000,000	83,000,000	16,000,000
Other non-financial assets, impairment or reversal of impairment		23,000,000	51,000,000	306,000,000
Total impairment (reversal of impairment) of non-financial assets		€ 1,447,000,000	€ 138,000,000	€ 364,000,000
[1]	(*) The balance of 2019 mainly corresponds to the impairment of the CGU in The United States (see Note 18).

Note 49 - Gains (losses) on d_3

Note 49 - Gains (losses) on derecognition of non financial assets and subsidiaries, net (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Gains (losses) on derecognition of non financial assets and subsidiaries, net
Gains On Disposals Of Investment in Subsidiaries	€ 9,000,000	€ 55,000,000	€ 38,000,000
Gains On Disposals Of Property Plant And Equipment	27,000,000	81,000,000	69,000,000
Losses On Disposals Of Investment in Subsidiaries	(2,000,000)	(13,000,000)	(27,000,000)
Losses On Disposals Of Property Plant And Equipment	(37,000,000)	(45,000,000)	(33,000,000)
Total Disposal of tangible assets and other, gains	€ (3,000,000)	€ 78,000,000	€ 47,000,000

Note 50 - Profit or loss from_3

Note 50 - Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations
Net Gains Loss On Sales		€ 89,000,000	€ 129,000,000	€ 102,000,000
Impairment loss		(77,000,000)	(208,000,000)	(158,000,000)
Gains On Sale Of Investment Classified As Non Currrent Assets Held For Sale	[1]	10,000,000	894,000,000	82,000,000
Gains On Sale Of Equity Instruments Classified As Non Currrent Assets Held For Sale		0	0	0
Total Profit or Loss From Non Current Assets And Disposal Groups Classified As Held For Sale Not Qualifying As Discontinued Operations		€ 21,000,000	€ 815,000,000	€ 26,000,000
[1]	(*) The vari ation in year 2018 is mainly due to the sale of the BBVA stake in BBVA Chile (see Note 3).

Note 51 - Consolidated Statem_3

Note 51 - Consolidated Statement Of Cash Flows (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019		Dec. 31, 2018
Debt Securities Issued [Member]
Main Variances In Financing Activities Liabilities
Financing Activities Liabilities at the beginning	€ 61,112,000,000		€ 61,649,000,000
Financing Activities Liabilities Abstract
Inflows Of Cash	2,643,000,000		2,152,000,000
Increase Decrease through Acquisition Financing Activities liabilities	0		0
Disposal Non Cash Acquisition	0		(1,828,000,000)
Increase Decrease Net Exchange Differences Financing Activities liabilities	209,000,000		(862,000,000)
Increase Decrease through Fair Value Changes Financing Activities liabilities	0		0
Financing Activities Liabilities at the end	63,963,000,000		61,112,000,000
Subordinated Debt Securities [Member]
Main Variances In Financing Activities Liabilities
Financing Activities Liabilities at the beginning	17,635,000,000	[1]	17,443,000,000
Financing Activities Liabilities Abstract
Inflows Of Cash	(190,000,000)	[2]	857,000,000	[3]
Increase Decrease through Acquisition Financing Activities liabilities	0	[2]	0	[3]
Disposal Non Cash Acquisition	0	[2]	(694,000,000)	[3]
Increase Decrease Net Exchange Differences Financing Activities liabilities	229,000,000	[2]	29,000,000	[3]
Increase Decrease through Fair Value Changes Financing Activities liabilities	0	[2]	0	[3]
Financing Activities Liabilities at the end	€ 17,675,000,000	[4]	€ 17,635,000,000	[1]
[1]	(*) Additionally, there were €411 million of issuances of subordinated liabilities as of December 2019 (see Note 22 and Appendix VI). The €574 million subordinated issuances of BBVA Chile as of December 2019 were recorded in the heading "Liabilities included in disposal groups classified as held for sale".
[2]	(*) Additionally, there are €384 million of issuances of subordinated liabilities as of December 2019 (see Note 22 and Appendix VI). The €40 million subordinated issuances of BBVA Parag uay as of December 2019 are recorded in the heading "Liabilities included in disposal groups classified as held for sale".
[3]	(*) Additionally, there were €411 million of issuances of subordinated liabilities as of December 2019 (see Note 22 and Appendix VI). The €574 million subordinated issuances of BBVA Chile as of December 2019 were recorded in the heading "Liabilities included in disposal groups classified as held for sale".
[4]	(*) Additionally, there are €384 million of issuances of subordinated liabilities as of December 2019 (see Note 22 and Appendix VI). The €40 million subordinated issuances of BBVA Parag uay as of December 2019 are recorded in the heading "Liabilities included in disposal groups classified as held for sale".

Note 52 - Accountant Fees And_3

Note 52 - Accountant Fees And Services - Auditors Remuneration For Audit Services (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Auditors Remuneration Abstract
Audits Of The Companies Audited By Firms Belonging To The Deloitte Worldwide Organizartions And Other Reports a Related With The Audit	[1],[2]	€ 28,100,000	€ 26,100,000	€ 27,200,000
Issued By The National Supervisory Bodies Of The Countries In Which The Group Operates Reviewed By Firms Belonging To The Deloitte Worldwide Organization	[1]	1,500,000	1,500,000	1,900,000
Fees For Audits Conducted By Other Firms	[1]	€ 0	€ 100,000	€ 100,000
[1]	(**) Regardless of the billed year.
[2]	(*) Including fees pertaining to annual legal audits (€24.1, €22.4 and €22.6 million as of December 31, 2019, 2018 and 2017, respectively).

Note 52 - Accountant Fees And_4

Note 52 - Accountant Fees And Services - Auditors Remuneration For Other Services (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Auditors Remuneration Abstract
Firms Belonging To The KPMG Worldwide Organitation	€ 300,000	€ 300,000	€ 500,000

Note 52 - Accountant Fees And_5

Note 52 - Accountant Fees And Services - Auditors Remuneration For Audit Services and Other Services (Details) - EUR (€)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Auditors Remuneration Abstract
Auditors Remuneration For Audit Services	[1]	€ 6,500,000	€ 6,700,000	€ 6,800,000
Auditors Remuneration For Other Audit Services	[1]	5,500,000	5,900,000	5,000,000
Review Report	[1]	900,000	1,100,000	900,000
Emission Report	[1]	300,000	300,000	400,000
Assurance Remunerations	[1]	800,000	900,000	600,000
Other Auditor Remunerations	[1]	€ 0	€ 0	€ 0
[1]	(*) Services provided by KPMG Auditores, S.L. to companies located in Spain, to the branch of BBVA in New York and to the branch of BBVA in London.

Note 53 - Related-Party Trans_3

Note 53 - Related-Party Transactions - Balances Arising From Transactions With Entities Of The Group (Details) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Disclosure Of Transactions Between Related Parties Line Items
Loans and advances to banks		€ 13,649,000,000	€ 9,163,000,000	€ 26,261,000,000
Loans and Advances to customers		382,360,000,000	374,027,000,000	387,621,000,000
Deposits from credit institutions		28,751,000,000	31,978,000,000	54,516,000,000
Customer deposits		384,219,000,000	375,970,000,000	376,379,000,000
Debt certificates, at amortized cost		63,963,000,000	61,112,000,000	63,915,000,000
Contingent Commitments		39,209,000,000	35,098,000,000	45,738,000,000
Financial guarantees given	[1]	10,984,000,000	16,454,000,000	16,545,000,000
Assets Member [Member]
Disclosure Of Transactions Between Related Parties Line Items
Loans and advances to banks		26,000,000	132,000,000	91,000,000
Loans and Advances to customers		1,682,000,000	1,866,000,000	510,000,000
Liabilities Member
Disclosure Of Transactions Between Related Parties Line Items
Deposits from credit institutions		3,000,000	2,000,000	5,000,000
Customer deposits		453,000,000	521,000,000	428,000,000
Debt certificates, at amortized cost		0	0	0
Memorandum Accounts [Member]
Disclosure Of Transactions Between Related Parties Line Items
Contingent Commitments		166,000,000	152,000,000	114,000,000
Other Accounts		1,042,000,000	1,358,000,000	1,175,000,000
Financial guarantees given		€ 106,000,000	€ 78,000,000	€ 78,000,000
[1]	(*) Non-performing financial guarantees given amounted to €730, €740 and €739 million, respectively, as of December 31, 2019, 2018 and 2017.

Note 53 - Related-Party Trans_4

Note 53 - Related-Party Transactions - Balance Of Income Statement Arising From Transactions With Entities Of The Group (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Related Party Transactions Abstract
Interest Income And Other Similar Interest Incomes	€ 19,000,000	€ 55,000,000	€ 26,000,000
Interest Expenses From Operations With Group Entities	1,000,000	2,000,000	1,000,000
Fee And Commission Income	4,000,000	5,000,000	5,000,000
Fee And Commission Expense	€ 53,000,000	€ 48,000,000	€ 49,000,000

Note 53 - Related-Party Trans_5

Note 53 - Related-Party Transactions - Transactions with members of the Board of Directors and Senior Management (Details) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Related Party Transactions Line Items
Financial guarantees given	[1]	€ 10,984,000,000	€ 16,454,000,000	€ 16,545,000,000
[1]	(*) Non-performing financial guarantees given amounted to €730, €740 and €739 million, respectively, as of December 31, 2019, 2018 and 2017.

Note 54 - Remuneration And Ot_3

Note 54 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management - Remuneration For Non Executive Directors (Details)	12 Months Ended
	Dec. 31, 2019EUR (€)
Tomas Alfaro Drake | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	€ 129,000
Tomas Alfaro Drake | Remuneration Committe
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	43,000
Tomas Alfaro Drake | Technology And Cybersecurity Committe
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	43,000
Tomas Alfaro Drake | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	214,000
Jose Miguel Andres Torrecillas | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	129,000
Jose Miguel Andres Torrecillas | Audit And Compliance Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	104,000
Jose Miguel Andres Torrecillas | Risk Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	107,000
Jose Miguel Andres Torrecillas | Appointments Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	111,000
Jose Miguel Andres Torrecillas | Other [Member]
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	33,000	[1]
Jose Miguel Andres Torrecillas | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	483,000
Jaime Felix Caruana Lacorte [Member] | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	129,000
Jaime Felix Caruana Lacorte [Member] | Executie Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	167,000
Jaime Felix Caruana Lacorte [Member] | Audit And Compliance Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	110,000
Jaime Felix Caruana Lacorte [Member] | Risk Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	107,000
Jaime Felix Caruana Lacorte [Member] | Technology And Cybersecurity Committe
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	14,000
Jaime Felix Caruana Lacorte [Member] | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	527,000
Belen Garijo Lopez | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	129,000
Belen Garijo Lopez | Audit And Compliance Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	68,000
Belen Garijo Lopez | Remuneration Committe
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	107,000
Belen Garijo Lopez | Appointments Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	45,000
Belen Garijo Lopez | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	348,000
Sunir Kumar Kapoor | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	129,000
Sunir Kumar Kapoor | Technology And Cybersecurity Committe
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	43,000
Sunir Kumar Kapoor | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	172,000
Carlos Loring Martinez de Irujo | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	129,000
Carlos Loring Martinez de Irujo | Executie Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	167,000
Carlos Loring Martinez de Irujo | Risk Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	107,000
Carlos Loring Martinez de Irujo | Remuneration Committe
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	43,000
Carlos Loring Martinez de Irujo | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	445,000
Lourdes Maiz Carro | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	129,000
Lourdes Maiz Carro | Audit And Compliance Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	68,000
Lourdes Maiz Carro | Remuneration Committe
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	43,000
Lourdes Maiz Carro | Appointments Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	14,000
Lourdes Maiz Carro | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	253,000
Jose Maldonado Ramos | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	129,000
Jose Maldonado Ramos | Executie Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	167,000
Jose Maldonado Ramos | Appointments Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	45,000
Jose Maldonado Ramos | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	340,000
Ana Peralta Moreno [Member] | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	129,000
Ana Peralta Moreno [Member] | Audit And Compliance Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	68,000
Ana Peralta Moreno [Member] | Remuneration Committe
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	43,000
Ana Peralta Moreno [Member] | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	240,000
Juan Pi Llorens | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	129,000
Juan Pi Llorens | Audit And Compliance Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	24,000
Juan Pi Llorens | Risk Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	214,000
Juan Pi Llorens | Appointments Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	31,000
Juan Pi Llorens | Technology And Cybersecurity Committe
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	43,000
Juan Pi Llorens | Other [Member]
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	53,000	[2]
Juan Pi Llorens | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	493,000
Susana Rodriguez Vidarte | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	129,000
Susana Rodriguez Vidarte | Executie Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	167,000
Susana Rodriguez Vidarte | Risk Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	107,000
Susana Rodriguez Vidarte | Appointments Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	45,000
Susana Rodriguez Vidarte | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	447,000
Jan Verplancke [Member] | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	129,000
Jan Verplancke [Member] | Technology And Cybersecurity Committe
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	43,000
Jan Verplancke [Member] | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	172,000
Total remuneration for non executive directors | Board Of Directors
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	1,545,000	[3]
Total remuneration for non executive directors | Executie Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	667,000	[3]
Total remuneration for non executive directors | Audit And Compliance Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	442,000	[3]
Total remuneration for non executive directors | Risk Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	642,000	[3]
Total remuneration for non executive directors | Remuneration Committe
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	278,000	[3]
Total remuneration for non executive directors | Appointments Committee
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	289,000	[3]
Total remuneration for non executive directors | Technology And Cybersecurity Committe
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	186,000	[3]
Total remuneration for non executive directors | Other [Member]
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	87,000	[3],[4]
Total remuneration for non executive directors | Directors Remuneration Expense
Explanatory Remuneration Of Non Executive Directors Received Line Items
Total Remuneration Non Executive Directors	€ 4,134,000	[3]
[1]	(1) Amounts received during the 2019 financial year by José Miguel Andrés Torrecillas, in his capacity as Deputy Chair of the Board of Directors, and by Juan Pi Llorens, in his capacity as Lead Director, positions for which they were appointed by resolution of the Board of Directors on 29 April 2019.
[2]	(1) Amounts received during the 2019 financial year by José Miguel Andrés Torrecillas, in his capacity as Deputy Chair of the Board of Directors, and by Juan Pi Llorens, in his capacity as Lead Director, positions for which they were appointed by resolution of the Board of Directors on 29 April 2019.
[3]	(2) This in cludes the amounts corresponding to the position of member of the Board and of the various committees during the 2019 financial year. By resolution of the Board of Directors on 29 April 2019, the functions of some Board committees were redistributed, and t heir associated remunerations adapted to these changes in some cases.
[4]	(1) Amounts received during the 2019 financial year by José Miguel Andrés Torrecillas, in his capacity as Deputy Chair of the Board of Directors, and by Juan Pi Llorens, in his capacity as Lead Director, positions for which they were appointed by resolution of the Board of Directors on 29 April 2019.

Note 54 - Remuneration And Ot_4

Note 54 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management - Number Of Shares (Details)	12 Months Ended
	Dec. 31, 2019shares
Tomas Alfaro Drake
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	10,138
Number Of Outstanding Share Options	93,587
Jose Miguel Andres Torrecillas
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	19,095
Number Of Outstanding Share Options	55,660
Jaime Felix Caruana Lacorte [Member]
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	9,320
Number Of Outstanding Share Options	9,320
Belen Garijo Lopez
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	12,887
Number Of Outstanding Share Options	47,528
Sunir Kumar Kapoor
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	6,750
Number Of Outstanding Share Options	15,726
Carlos Loring Martinez de Irujo
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	17,515
Number Of Outstanding Share Options	116,391
Lourdes Maiz Carro
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	11,160
Number Of Outstanding Share Options	34,320
Jose Maldonado Ramos
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	15,328
Number Of Outstanding Share Options	94,323
Ana Peralta Moreno [Member]
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	5,624
Number Of Outstanding Share Options	5,624
Juan Pi Llorens
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	17,970
Number Of Outstanding Share Options	72,141
Susana Rodriguez Vidarte
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	17,431
Number Of Outstanding Share Options	122,414
Jan Verplancke [Member]
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	5,203
Number Of Outstanding Share Options	5,203
Total remuneration for non executive directors
Explanatory Number Of Shares Line Items
Number Of Instruments Granted In Share based Payment Arrangement	148,421
Number Of Outstanding Share Options	672,237

Nota 54 - Remuneration And Othe

Nota 54 - Remuneration And Other Benefits Received By The Board Of Directors And Members Of The Bank's Senior Management - Remuneration For Executive Directors (Details) - EUR (€)		Dec. 31, 2019	Dec. 31, 2018		Dec. 31, 2015
Group Executive Chairman | Executive directors [Member] | In Cash [Member]
Remuneration And Other Benefits Received Line Items
Fixed remuneration		€ 2,453,000
Variable remuneration	[1]		€ 479,000
Deferred Remuneration	[2]				€ 612,000
Group Executive Chairman | Executive directors [Member] | In Shares [Member]
Remuneration And Other Benefits Received Line Items
Variable Remuneration In Shares	[3]		100,436
Deferred Remuneration in Shares	[4]				79,157
CEO Member | Executive directors [Member] | In Cash [Member]
Remuneration And Other Benefits Received Line Items
Fixed remuneration		2,179,000
Variable remuneration	[1],[5]		€ 200,000
CEO Member | Executive directors [Member] | In Shares [Member]
Remuneration And Other Benefits Received Line Items
Variable Remuneration In Shares	[3],[6]		41,267
Head Of Global Economics Regulation & Public Affairs (Head of GERPA) | Executive directors [Member] | In Cash [Member]
Remuneration And Other Benefits Received Line Items
Fixed remuneration		834,000
Variable remuneration	[1]		€ 79,000
Deferred Remuneration	[7]				€ 113,000
Head Of Global Economics Regulation & Public Affairs (Head of GERPA) | Executive directors [Member] | In Shares [Member]
Remuneration And Other Benefits Received Line Items
Variable Remuneration In Shares	[3]		16,641
Deferred Remuneration in Shares	[8]				14,667
Total Senior Management [Member] | Total Member | In Cash [Member]
Remuneration And Other Benefits Received Line Items
Fixed remuneration		13,883,000
Variable remuneration			€ 887,000	[9]	€ 1,263,000	[10]
Total Senior Management [Member] | Total Member | In Shares [Member]
Remuneration And Other Benefits Received Line Items
Variable Remuneration In Shares			185,888	[11]	163,215	[12]
Total Member | Executive directors [Member] | In Cash [Member]
Remuneration And Other Benefits Received Line Items
Fixed remuneration		€ 5,466,000,000
Variable remuneration	[13]		€ 758,000
Deferred Remuneration	[14]				€ 725,000
Total Member | Executive directors [Member] | In Shares [Member]
Remuneration And Other Benefits Received Line Items
Variable Remuneration In Shares	[15]		158,344
Deferred Remuneration in Shares	[16]				93,824
[1]	(1) Remunerations corresponding to the upfront portion (40%) of the AVR for the 2018 financial year (50% pa id in cash and 50% in BBVA shares). For the Group Executive Chair man and Chief Executive Officer, these variable remunerations are linked to their previous positions as Chief Executive Officer and President & CEO of BBVA USA, respectively.
[2]	(1) Remunerations corresponding to deferred AVR for financial year 2015 (50% of the AVR for 2015, in equal parts in cash and shares), payment of which was due in 2019, together with its corresponding update in cash, and after its downward adjustment following the result of the TSR indicator. For the Group Executive Chairman, these variable remunerations relate to his previous position as Chief Executive Officer.
[3]	(1) Remunerations corresponding to the upfront portion (40%) of the AVR for the 2018 financial year (50% pa id in cash and 50% in BBVA shares). For the Group Executive Chair man and Chief Executive Officer, these variable remunerations are linked to their previous positions as Chief Executive Officer and President & CEO of BBVA USA, respectively.
[4]	(1) Remunerations corresponding to deferred AVR for financial year 2015 (50% of the AVR for 2015, in equal parts in cash and shares), payment of which was due in 2019, together with its corresponding update in cash, and after its downward adjustment following the result of the TSR indicator. For the Group Executive Chairman, these variable remunerations relate to his previous position as Chief Executive Officer.
[5]	(2) Remunerati on received in US dollars. Data in thousands of Euros is for information purposes.
[6]	(2) Remunerati on received in US dollars. Data in thousands of Euros is for information purposes.
[7]	(1) Remunerations corresponding to deferred AVR for financial year 2015 (50% of the AVR for 2015, in equal parts in cash and shares), payment of which was due in 2019, together with its corresponding update in cash, and after its downward adjustment following the result of the TSR indicator. For the Group Executive Chairman, these variable remunerations relate to his previous position as Chief Executive Officer.
[8]	(1) Remunerations corresponding to deferred AVR for financial year 2015 (50% of the AVR for 2015, in equal parts in cash and shares), payment of which was due in 2019, together with its corresponding update in cash, and after its downward adjustment following the result of the TSR indicator. For the Group Executive Chairman, these variable remunerations relate to his previous position as Chief Executive Officer.
[9]	(1) Remunerations corresponding to the upfront portion (40%) of the AVR for financial year 2018 (paid 50% in cash and 50% in BBVA shares). For those members of the Senior Management who were appointed by the Board of Directors on 20 December 2018 and 29 April, 30 July and 19 December 2019, this remuneration relates to their previous positions.
[10]	(1) Remunerations corresponding to deferred AVR for financial year 2015 (50% of the AVR for 2015, in equal parts in cash and in shares), payment of which was due in 2019, together with its corresponding update in cash, and after its downward adjustment following the result of the TSR indicator.
[11]	(1) Remunerations corresponding to the upfront portion (40%) of the AVR for financial year 2018 (paid 50% in cash and 50% in BBVA shares). For those members of the Senior Management who were appointed by the Board of Directors on 20 December 2018 and 29 April, 30 July and 19 December 2019, this remuneration relates to their previous positions.
[12]	(1) Remunerations corresponding to deferred AVR for financial year 2015 (50% of the AVR for 2015, in equal parts in cash and in shares), payment of which was due in 2019, together with its corresponding update in cash, and after its downward adjustment following the result of the TSR indicator.
[13]	(1) Remunerations corresponding to the upfront portion (40%) of the AVR for the 2018 financial year (50% pa id in cash and 50% in BBVA shares). For the Group Executive Chair man and Chief Executive Officer, these variable remunerations are linked to their previous positions as Chief Executive Officer and President & CEO of BBVA USA, respectively.
[14]	(1) Remunerations corresponding to deferred AVR for financial year 2015 (50% of the AVR for 2015, in equal parts in cash and shares), payment of which was due in 2019, together with its corresponding update in cash, and after its downward adjustment following the result of the TSR indicator. For the Group Executive Chairman, these variable remunerations relate to his previous position as Chief Executive Officer.
[15]	(1) Remunerations corresponding to the upfront portion (40%) of the AVR for the 2018 financial year (50% pa id in cash and 50% in BBVA shares). For the Group Executive Chair man and Chief Executive Officer, these variable remunerations are linked to their previous positions as Chief Executive Officer and President & CEO of BBVA USA, respectively.
[16]	(1) Remunerations corresponding to deferred AVR for financial year 2015 (50% of the AVR for 2015, in equal parts in cash and shares), payment of which was due in 2019, together with its corresponding update in cash, and after its downward adjustment following the result of the TSR indicator. For the Group Executive Chairman, these variable remunerations relate to his previous position as Chief Executive Officer.

Nota 54 - Remuneration And Ot_2

Nota 54 - Remuneration And Other Benefits Received ByThe Board Of Directors And Members Of The Bank's Senior Management - Pension Commitments (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Pension Commitments Line Items
Employer Contributions	€ (65,000,000)	€ (103,000,000)	€ (25,000,000)

Note 55 - Other Information - P

Note 55 - Other Information - Profit Attributable By Operating Segments (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Profit Attributable By Operating Segments
Profit or loss attributable to owners of the parent	€ 3,512,000,000	€ 5,400,000,000	€ 3,514,000,000

Note 55 - Other Information - I

Note 55 - Other Information - Interest Income Breakdown By Geographical Area (Details) - EUR (€)	12 Months Ended
	Dec. 31, 2019	Dec. 31, 2018	Dec. 31, 2017
Interest Income Breakdown By Geographical Area
Interest Income (Income Statement)	€ 31,061,000,000	€ 29,831,000,000	€ 29,296,000,000