Balance Sheet at 31 December 2010 of BBVA

20.3. CUSTOMERS DEPOSITS
The breakdown of the balance of this heading in the accompanying balance sheets, based on the nature of
the related transactions, is as follows:
Millions of Euros
Customer Deposits 2010 2009
Government and other government agencies 22,447 8,355
Spanish 17,385 4,288
Foreign 5,053 4,061
Accrued interest 9 6
Other resident sectors 142,817 116,616
Current accounts 17,766 19,367
Savings accounts 30,059 29,809
Fixed-term deposits 70,957 56,556
Reverse repos 23,215 10,246
Other accounts 125 93
Accrued interest 695 545
Non-resident sectors 28,815 55,436
Current accounts 1,491 1,303
Savings accounts 743 698
Fixed-term deposits 24,825 53,257
Repurchase agreements 1,609 5
Other accounts 80 91
Accrued interest 67 82
Total 194,079 180,407
Of which:
Deposits from other creditors without valuation adjustment 193,308 179,774
Accrued interest 771 633
Of which:
In euros 173,825 131,775
In foreign currency 20,254 48,632
20.4. DEBT CERTIFICATES (INCLUDING BONDS) AND SUBORDINATED LIABILITIES
The breakdown of the headings “Debt certificates (including bonds)” and “Subordinated liabilities” in the
accompanying balance sheets was as follows:
Millions of Euros
Debt Certificates and Subordinated Liabilities 2010 2009
Debt Certificates 56,007 69,453
Promissory notes and bills 12,851 27,639
Bonds and debentures issued 43,156 41,814
Subordinated Liabilities 13,099 14,481
Total 69,106 83,934
Shown below is accrued interest pending payment for the following headings:
Millions of Euros
Interest Accrued and Pending Payment 2010 2009
Promissory notes, bills, bonds and debentures 1,050 1,035
Subordinated debt and Subordinated deposits 123 157
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