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Retail banking

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									Retail Banking in Spain and Portugal
Income statement
(Millions of euros) Retail Banking in Spain and Portugal Memorandum item: Asset Management and Commercial & SME Private Banking Banking 2003 D% (YoY) 2003 D% (YoY) 2,890 0.3 41 (22.4) 1,250 (1.6) 205 (6.1) 4,140 40 4,180 (1,263) (634) (1,897) (101) (40) 2,142 (2) (1) (450) (5) 1,684 (563) 1,121 (69) 1,052 (0.3) (12.1) (0.4) (0.1) 0.5 0.1 (6.1) (17.8) (0.2) (50.9) 16.3 n.m. (4.6) (4.8) (4.6) (12.0) (4.0) 246 1 247 (51) (31) (82) (4) (1) 160 (4) (3) 153 (51) 102 (7) 95 (9.3) n.m. (8.0) 6.6 (4.0) 2.4 (9.7) (30.0) (12.4) (82.9) n.m. 91.8 (40.4) (13.8) (13.2) (14.1) (11.6) (14.3)

NET INTEREST INCOME Net fee income CORE REVENUES Net trading income ORDINARY REVENUES Personnel costs General expenses GENERAL ADMINISTRATIVE EXPENSES Depreciation and amortization Other operating revenues and expenses OPERATING PROFIT Net income from companies under the equity method Amortization of goodwill Net income on Group transactions Net loan loss provisions Extraordinary items (net) and other PRE-TAX PROFIT Corporate income tax NET INCOME Minority interests ATTRIBUTABLE NET INCOME

2003 3,221 1,476 4,697 44 4,741 (1,391) (728) (2,119) (114) (43) 2,465 8 (1) (492) (10) 1,970 (650) 1,320 (81) 1,239

D% (YoY) 1.0 (2.3) (3.2) (0.1) 0.4 (1.4) (0.2) (7.0) (14.8) 0.7 n.m. n.m. n.m. 13.6 n.m. (2.2) (2.4) (2.1) (2.0) (2.1)

2002 3,189 1,510 4,699 46 4,745 (1,386) (738) (2,124) (123) (51) 2,447 (6) 1 (433) 5 2,014 (666) 1,348 (82) 1,266

Balance Sheet
(Millions of euros) Total lending Securities portfolio Cash, interbank & monetary assets Inter-area positions Property and equipment Other assets TOTAL ASSETS / LIABILITIES Deposits Debt securities Income for the period Equity . Shareholders´ funds . Other eligible funds Interbank accounts Inter-area positions Other liabilities OTHER CUSTOMER FUNDS MANAGED . Mutual funds . Pension funds . Customer portfolios and assets (3) 31-12-03 91,295 535 2,048 16,975 659 969 112,481 51,888 6 1,320 7,130 4,125 3,005 3,477 45,257 3,403 36,912 12,422 7,199 D% (YoY) 13.9 155.1 (44.9) 2.5 (0.5) 24.3 10.2 (1.3) (47.3) (2.1) 5.0 5.7 4.0 28.7 27.2 11.3 12.8 10.5 (41.6) 31-12-02 80,152 210 3,718 16,565 663 777 102,085 52,581 11 1,348 6,792 3,903 2,889 2,701 35,593 3,059 32,732 11,240 12,331 31-12-03 85,245 9 1,198 15,485 543 525 103,005 48,065 1,121 5,977 3,448 2,529 25 44,772 3,045 32,210 6,018 717 D% (YoY) 14.2 (11.2) 2.9 0.6 1.5 9.2 11.7 1.7 (4.6) 6.0 5.9 6.2 (27.0) 26.6 11.3 1.3 9.6 (52.0) 31-12-03 765 149 127 1,267 10 63 2,381 1,287 102 542 322 220 2 298 150 4,233 6,183 6,482 D% (YoY) 4.4 153.3 (92.6) 31.6 (40.0) 62.2 (32.3) (48.6) (14.1) 4.7 4.4 5.0 (98.7) 117.6 165.2 n.m. 11.4 (40.2)

Relevant ratios
(Percentage) ROE Cost / income ratio NPL ratio Coverage ratio 31-12-03 30.9 44.7 0.88 271.1 31-12-02 33.6 44.8 1.00 220.8 31-12-03 31.6 45.4 0.84 278.8 31-12-03 29.4 33.4 0.02 n.m.

(1) In 2q03 a 3 bn euros transfer was made from Commercial&SME banking to the Asset Management and Private banking business area. In homogenous terms Y-o-Y changes would be 11.7% and 19.9% respectively. (2) In 2q03 a 220 million euros transfer was made from Commercial&SME to the Asset management and Private banking business area. In homogenous terms the Y-o-Y changes would be 14.1% and 7.2% respectively. (3) In 2q03 transfers were made from this Business area to the America business area (International private banking) for an amount of 2,600 million euros and to the Wholesale and Investment banking business area (2,500 million).

Retail banking


								
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