The breakdown of this item in the accompanying statement of profit or loss is as follows:
| 2020 | 2019 | 2018 | ||
| Credit institutions | 35 | 47 | 31 | |
| Debt securities | 1,950 | 2,101 | 1,993 | |
| Financial assets held for trading | 0 | 7 | 13 | |
| Financial assets compulsorily measured at fair value through profit or loss | 2 | 5 | 5 | |
| Financial assets at fair value with changes in other comprehensive income | 1,812 | 1,966 | 1,856 | |
| Financial assets at amortised cost | 136 | 123 | 119 | |
| Loans and advances to customers and other financial income | 4,534 | 4,808 | 4,762 | |
| Public administrations | 65 | 75 | 97 | |
| Trade credits and bills | 150 | 175 | 176 | |
| Mortgage loans | 1,778 | 1,921 | 2,018 | |
| Personal loans | 2,109 | 2,089 | 1,910 | |
| Credit accounts | 323 | 434 | 428 | |
| Other | 109 | 114 | 133 | |
| Adjustments to income due to hedging transactions | (129) | (28) | 5 | |
| Interest income - liabilities | 374 | 127 | 155 | |
| TOTAL | 6,764 | 7,055 | 6,946 | |
| Of which: interest on exposures in stage 3 | 152 | 196 | 293 | |
The average effective interest rate of the various financial assets categories calculated on average net balances (excluding rectifications) are as follows:
| 2020 | 2019 | 2018 | ||
| Deposits at central banks | 0.00% | 0.00% | 0.00% | |
| Financial assets held for trading – debt securities | 0.02% | 0.39% | 0.64% | |
| Financial assets compulsorily measured at fair value through profit or loss - Debt securities | 6.23% | 4.46% | 3.61% | |
| Financial assets measured at fair value with changes in other comprehensive income / Available-for-sale financial assets - Debt securities | 2.33% | 2.61% | 2.71% | |
| Financial assets at amortised cost | ||||
| Loans and advances to credit institutions | 0.78% | 1.07% | 0.64% | |
| Loans and advances to customers | 2.02% | 2.25% | 2.28% | |
| Debt securities | 0.56% | 0.68% | 0.70% | |
