The breakdown of this item in the accompanying statement of profit or loss is as follows:
2019 |
2018 |
2017 |
|
|---|---|---|---|
Central banks |
0 |
0 |
0 |
Credit institutions |
47 |
31 |
31 |
Debt securities |
2,101 |
1,993 |
2,169 |
Financial assets held for trading |
7 |
13 |
18 |
Financial assets designated at fair value through profit or loss |
|
0 |
0 |
Financial assets compulsorily measured at fair value through profit or loss |
5 |
5 |
0 |
Financial assets at fair value with changes in other comprehensive income |
1,966 |
1,856 |
0 |
Available-for-sale financial assets |
|
|
2,082 |
Financial assets at amortised cost |
123 |
119 |
0 |
Loans and receivables |
|
0 |
21 |
Investment portfolio at maturity |
|
0 |
48 |
Loans and advances to customers and other financial income |
4,808 |
4,762 |
4,657 |
Public administrations |
75 |
97 |
132 |
Trade credits and bills |
175 |
176 |
185 |
Mortgage loans |
1,921 |
2,018 |
2,063 |
Personal loans |
2,089 |
1,910 |
1,668 |
Credit accounts |
434 |
428 |
468 |
Other |
114 |
133 |
141 |
Adjustments to income due to hedging transactions |
(28) |
5 |
(67) |
Interest income - liabilities |
127 |
155 |
181 |
Total |
7,055 |
6,946 |
6,971 |
Of which: interest on exposures in stage 3 (non-performing loans in 2017) |
196 |
293 |
281 |
The average effective interest rate of the various financial assets categories calculated on average net balances (excluding rectifications) is set out below:
2019 |
2018 |
2017 |
|
|---|---|---|---|
Deposits at central banks |
0.00% |
0.00% |
0.00% |
Financial assets held for trading – Debt securities |
0.39% |
0.64% |
0.67% |
Financial assets compulsorily measured at fair value through profit or loss - Debt securities |
4.46% |
3.61% |
|
Financial assets measured at fair value with changes in other comprehensive income / Available-for-sale financial assets - Debt securities |
2.61% |
2.71% |
3.21% |
Financial assets at amortised cost |
|
|
|
Loans and advances to credit institutions |
1.07% |
0.64% |
0.92% |
Loans and advances to customers |
2.25% |
2.28% |
2.17% |
Debt securities |
0.68% |
0.70% |
0.85% |
Held-to-maturity investments - debt securities |
|
|
0.51% |
