BBVA in 2012

In short, a year in which there has been improvement in the Group’s liquidity and funding structure.18 Loans and advances to customersAt the close of 2012, gross customer lending amounted to €367 billion, up 1.7% on the figure at theend of 2011. Apart from the buoyant activity in emerging geographical regions, the incorporation of thebalances from Unnim and the positive exchange-rate effect have also had a positive impact onyear-on-year growth. These effects outweigh the reduced activity in Spain and in the Group’s CIBportfolios.Customer lending(Million euros)31-12-12 Δ% 31-12-11 31-12-10Domestic sector 190,817 (0.8) 192,442 198,634Public sector 25,399 (0.4) 25,509 23,656Other domestic sectors 165,417 (0.9) 166,933 174,978Secured loans 105,664 6.5 99,175 105,002Commercial loans 5,926 (10.5) 6,620 6,847Financial leases 4,245 (14.3) 4,955 5,666Other term loans 36,457 (12.9) 41,863 46,225Credit card debtors 1,666 3.1 1,616 1,695Other demand and miscellaneous debtors 2,857 (2.8) 2,939 2,222Other financial assets 8,603 (11.9) 9,766 7,321Non-domestic sector 156,312 2.0 153,222 134,258Secured loans 61,811 1.9 60,655 45,509Other loans 94,500 2.1 92,567 88,750Non-performing loans 20,287 29.7 15,647 15,361Domestic sector 15,159 37.3 11,042 10,953Public sector 145 11.8 130 111Other domestic sectors 15,014 37.6 10,913 10,841Non-domestic sector 5,128 11.4 4,604 4,408Customer lending (gross) 367,415 1.7 361,310 348,253Loan-loss provisions (14,485) 53.9 (9,410) (9,396)Customer lending (net) 352,930 0.3 351,900 338,857Balance sheet and business activity79