Preview of Income Statement, 4th quarter of 1995
Introduction
Analysis of results by activities
Financial results
Goodwill amortization
Extraordinary Items
Taxes

Tables of results (Pesetas)
Repsol summarised income statement
Break-down of Repsol operating income by activity
Break-down of Repsol operating revenues by activity
Break-down of investments by activity
Repsol comparative balance sheet
Repsol consolidated statements of cash flows
Operating highlights

1. INTRODUCTION

Repsol's net income for the financial year of 1995 was 117,715 million pesetas, 21.6% higher than that for 1994. Net income for the fourth quarter of 1995 reached 25,566 million pesetas as opposed to the year earlier 27,381 million pesetas reported for the term.

Operating income for the three month period was 44,015 million pesetas, showing a fall of 10.8% over the 1994 figure. However, accumulated operating results rose by 20.1% over the previous year, to 212,504 million pesetas. In LIFO terms, operating income for 1995 was 213,711 million pesetas, 20.4% higher than that for 1994.

Net cash flow for the fourth quarter was 56,203 million pesetas in comparison to 65,152 million pesetas a year earlier. Accumulated figures for the whole financial year registered a 10.6% rise over 1994, at 245,201 million pesetas.

Investments amounted to 73,725 million pesetas over the last quarter, and arrived at a total for the year of 203,228 million pesetas against the 190,852 million pesetas disbursed in the previous year.

As a result of the foregoing, net debt at the end of the financial year was 175,375 million pesetas and had fallen by 65,038 million pesetas when compared with its level at the close of 1994.

The lower results obtained for the fourth quarter of 1995 are basically due to the following circumstances:

- Hydrocarbon production fell by 15.3% in comparison to the same period in 1994.
- Average temperatures for the last quarter of 1995 were almost 1� C higher than those for the same term in 1994 (and those too were considered above normal). Consequently, lower heating requirements led to a reduced demand for LPG, natural gas and heating gasoil.
- Exceptionally heavy rainfall and snow in December made for lighter traffic throughout Spain and sales of motor fuels also dropped.
- Chemical margins suffered a sharp cut-back over the last three months of the year, to the extent that for some products (plastics) they were lower than in 1992.

Apart from these negative factors, there were also some favourable circumstances:

- Negotiations with Total and Sonatrach came to a conclusion during the last quarter and led to the signing (in early 1996) of an agreement with the latter for the acquisition of a 30% stake in development of the Tin Fouy� Tabankort field, in Algeria. This deal is expected to raise our company's net recoverable reserves by 124 million barrels of oil equivalent (boe).
- On December 1st, 1995, the Strategic Reserves Corporation (CORES) set up strategic stocks. CORES is a Public Law Corporation, founded at the end of 1994, to monitor compliance with stipulations for maintaining safety stocks (equivalent to 100 days' consumption).
- In October, a natural gas peak shaving plant went into production in Argentina. This will improve operating flexibility for Gas Natural-BAN over the winter months.
- At the end of last year, Repsol bought a 20% stake in Atlantic LNG, a company that promotes and exploits the project to build a liquified natural gas plant in Trinidad and Tobago. This project involves an estimated investment of about one billion dollars and is expected to start up in the first half of 1999.

Apart from the above, there have occurred other events of note:

- In November, Repsol's Board of Directors approved a gross interim dividend against 1995 of 73 pesetas per share, representing an increase of 26% on last year's 58 pesetas per share.
- At the beginning of 1996, the SEPI successfully carried out a Public Share Offering on 11% of its holding in Repsol, for which demand was over eight times oversubscribed.
- In mid February, Enagas decided to exercise its purchase option on 91% of Sagane capital equity, belonging to SEPI. The deal involved a figure of 63 billion pesetas, and 58 billion of this is debt which will be assumed. This acquisition, which has an immediate positive impact on results, will be financed by the company Gas Natural, without the need to increase capital. The company's debt ratio will be around 49%, with a financial expenses coverage of 2.5. In Repsol's case, the proportional debt assumption will imply a rise of 39.3 billion pesetas in net debt, placing the net debt ratio at around 32%. This may be considered a very moderate figure and is lower than it was at the beginning of 1995.

The following points give a more detailed picture of the different entries making up the profit and loss account attached hereto


2.- ANALYSIS OF RESULTS BY ACTIVITIES

2.1 Exploration and Production

Operating income for the last quarter of 1995 was 2,563 million pesetas, as opposed to 5,293 million for the same term in 1994. A considerable part of this fall in quarterly results is explained by the adjustment of provisions, serving as a basis for entering results on accounts, made on the part of certain operators during the year. Also, a non-recurring profit from the sale of gas, upon conversion of the Gaviota field into an underground storage facility, was entered in the fourth quarter of 1994.

Operating income for the whole financial year was 11.3% up at 18,999 million pesetas. Operating cash-flow was 44,033 million pesetas, in comparison to 43,494 million pesetas in 1994.

This improvement in results has been achieved because lower production has been compensated by better crude oil prices (Brent crude rose to an average price of 17.04 dollars per barrel in 1995 from the 15.80 dollars per barrel registered in 1994) and income from the sale of assets in Angola and Gabon M'Bya, details of which were given in previous reports.

In 1995, overall production was 72.6 million barrels of oil equivalent (9.98 million Toe), in comparison with 77.6 million barrels of oil equivalent (boe) in the previous year. The drop was greatest in Spain, owing to lower production at Casablanca and to Gaviota because payments from Enagas for the gas cushion, following conversion of the field into an underground storage facility, came to an end in March. A fall was also registered in Egypt, Dubai and the United Kingdom (Magnus field) resulting from the decline of these fields.

Throughout 1995, several discoveries were made in the United Kingdom, Egypt, Indonesia, Algeria and Spain, including the TUT-21X (Egypt-Khalda); Tifernine-2 (Algeria); South Magnus (U.K.) and Rodaballo-1 (Spain), which together contribute some 33 million boe.

37 exploratory wells were drilled over the year (with a 37% success rate), 20 of them in Indonesia, 9 in Egypt and 8 in other countries. Repsol was operator at 11 of these. 4 appraisals were under way at the end of the year, 3 in Egypt and 1 in Indonesia.

35,333 million pesetas were invested in E&P last year, as opposed to the 39,759 million pesetas spent in 1994. Outlay on the 24 projects under development was 26,701 million pesetas, in comparison with the year-earlier 25,125 million pesetas. In Spain, apart from progress on the Alga and Rodaballo-1 projects - about which we have already written in other reports - work was started on the Poseidon project. The purpose of this project is to set up production from submarine gas fields in the Gulf of Cadiz, which will then permit subsequent use of the installations for underground gas storage. In the United Kingdom, the start up of production from the Harding field is imminent, whereas, according to the schedule for the Libyan project, this goes into production at the end of 1996. A total of 108 development wells was drilled over the year, which is exactly the same amount as in 1994.

2.2 Refining and Marketing

Fourth quarter 1995 operating income for the activity rose by 27.5% over the same period a year earlier, to reach 21,725 million pesetas.

The accumulated figure for the year was 75,993 million pesetas as opposed to 89,367 million pesetas reported in 1994. This fall is mainly due to the weakness of international refining margins throughout the whole financial year, although there was an improvement in the second half. In fact, in the first half, results were 38.6% down on the previous year at 29,638 million pesetas, whereas in the second part of the year these were 12.7% higher than in 1994.

The following events took place over the last quarter of 1995:

- Repsol sold 1,429 Kt. of oil products to CORES to cover strategic stock requirements for Repsol and other operators.
- C.L.H. signed a leasing contract with CORES for storage space to house oil products. This is a new source of income for the company.
- At the end of the year, a new storage facility at Vigo and the La Coru�a-Vigo pipeline went into production, thus completing the programme to join all refineries within the peninsula to the main consumption centres.

Throughout the year, sales of oil products (not taking into account the exceptional sale to CORES) have been affected by demand behaviour for certain products and the company's policy of supplying oil products to other operators outside its own network. These products would otherwise have been used for export, with a lower unitary margin. Kerosene and gasoil sales rose by 8.8%, fuel oil by 4% and gasoline by 0.9%. In all cases, growth was greater than the rise in home market demand (AOP figures), which was 5%, 2.7%, and -1.4% respectively.

Greater use was again made of the CLH logistics network. This company's activity increased by 5% to transport a total of 30 million tonnes of oil products.

98,125 million pesetas were invested in the activity over 1995, as against 80,542 million in 1994. The linking of service stations was further strengthened and, by the end of the year, 73% of Repsol's service station network belonged to the company. Projects under development in the refining area include gasoil desulphurisation plants at La Coru�a and Puertollano, which are scheduled to enter their second phase at the end of 1996. The second MTBE plant at Tarragona and the amine and sulphur-recovering units at Puertollano also went on-stream last year.

2.3 Chemicals

Chemicals registered an operating income of 4,917 million pesetas over the last three months of 1995 as opposed to 12,471 million pesetas a year earlier. These results include a provision for stock-loss and annual corporate expenses for 2,978 million pesetas.

Taking the above into account, quarterly operating income on a recurring basis would have been somewhat more than 7 billion pesetas. This, together with the fact that margins generally fell over the period (in some cases to below 1992 levels) enables us to state that rationalization and cost cutting measures, together with higher competitivity from the low peseta/deutschemark exchange rate, have placed the company in a much more competitive position.

Furthermore, the drop in margins over the second half of the year was, to a considerable extent, brought about by reducing the stock levels of the main European consumers, thus permitting us to contemplate 1996 margins with a certain optimism. Indeed, margins on plastics have shown a clear recovery over the first weeks of the new year.

Operating income for the year was 170.9% higher than that for 1994 at 62,859 million pesetas. This was an all-time record for the company's chemical business.

In 1995, sales of petrochemical products were similar to those for the previous year, reaching 1.8 million tonnes. Higher sales of base petrochemicals (+9.4%) were counterbalanced by lower sales of derivatives.

Investments in this area during 1995 amounted to 9,152 million pesetas as against 5,619 million pesetas in 1994. The main projects under way are a new polypropylene plant and cogeneration unit at Tarragona and re-vamping of the low density polyethylene plant at Tarragona and the polypropylene plant at Puertollano.

Negotiations between Repsol and �MV tending to merge their polyolefin businesses were abandoned at the beginning of 1996. The possibility of cooperation between the two companies in areas of mutual interest remains open.

2.4 Gas

Last quarter 1995 operating income for the activity was 6.7% up over the previous year at 15,322 million pesetas. These good results received an unequal contribution from LPG and natural gas. Quarterly operating income from LPG was 6,859 million pesetas as against 7,713 million pesetas in the last quarter of 1994, showing a fall mainly because of mild weather conditions, as we have already mentioned. Although this factor also influenced the natural gas sector, the industrial market boosted last quarter 1995 operating results by 27.3% over the fourth quarter of 1994, to 8,463 million pesetas.

1995 accumulated income for Repsol from the gas activity was 57,526 million pesetas in comparison with 47,688 million pesetas for the previous year.

The LPG area reported an accumulated operating income for the year of 26,540 million pesetas, which was slightly lower than the 26,798 million pesetas registered in 1994. Under normal weather conditions, operating income would have risen by 3 billion pesetas.

Overall LPG sales fell by 1.5% against 1994, to 2.37 million tonnes. A sales break-down shows an 8.5% rise in piped gas and a 3% rise in bulk gas. Apart from this, the pipeline grid is being extended to make piped propane gas available in population nuclei that cannot receive natural gas, at least in the near future.

Natural gas registered an accumulated operating income of 30,986 million pesetas, 48.3% higher than the previous financial year, although part of this difference is due to the fact that Enagas consolidation did not take place until July of 1994, and was therefore only included during the second half of that year.

The demand for natural gas from the residential-commercial sector reached 24,534 million thermies, showing an 8.1% increase over 1994. The number of residential-commercial customers rose by nearly 200,000 last year, to the figure of 3,400,000. In 1995, demand from the industrial sector rose by 50.8% over the previous year to 63,332 million thermies.

Investments in LPG amounted to 9,745 million pesetas for developing new markets and to continue the cost rationalization process. The "Factory 2000" project was introduced in 1995 to optimize operating processes at five facilities, and four factories have been shut down.

48,218 million pesetas were spent on the natural gas sector as opposed to 54,675 million pesetas in 1994. The greater part of this went towards the improvement and extension of the transmission and distribution network. The stake held by Gas Natural in Gas Natural BAN was increased to 52.5% in the last quarter of 1995.

2.5 Corporate and others

This caption reported a negative figure of 2,873 million pesetas, as opposed to an also negative amount of 412 million pesetas in 1994. 475 million pesetas of corporate expenses billed over the quarter and losses incurred by the group insurance company have been entered under this caption. The balance was brought down by the reverting back of provisions to found the Repsol Foundation, which were entered as extraordinary items.


3. FINANCIAL RESULTS

Net financial expenses for the last quarter of the year were 1,782 million pesetas in contrast to 3,939 million pesetas over the same period a year earlier. This drop may be attributed to lower company debt and a better performance by its portfolio of financial investments. Accumulated financial expenses were 27.3% lower than in 1994, at 10,675 million pesetas.


4. GOODWILL AMORTIZATION

Following advance amounts set aside in provision for "goodwill" amortizations over preceding quarters, the figure for the fourth quarter was 128 million pesetas in contrast to the year-earlier 394 million pesetas.


5. EXTRAORDINARY ITEMS

In the last quarter of 1995, this caption registered an extraordinary loss of 3 billion pesetas as a result of reclassifying the 1,750 million peseta provision to create the Repsol Foundation, as mentioned above; the designation of 517 million pesetas to manpower restructuring programmes and an amount to cover tax contingencies and potential losses.


6. TAXES

The estimated cost of company income tax at the end of 1995 was 60,563 million pesetas, at an effective rate of 32.1%.


REPSOL SUMMARISED INCOME STATEMENT

(Million pesetas)

- NON-AUDITED FIGURES -

  FOURTH QUARTER JANUARY-DECEMBER
  1994 1995 1994 1995
Operating income 49,345 44,015 176,917 212,504
Financial results (3,939) (1,782) (14,677) (10,675)
Equity on earnings of unconsolidated affiliates (50) 438 342 817
Goodwill amortization (394) (128) (2,845) (6,708)
Extraordinary items (2,201) (3,000) (3,690) (7,040)
Income before income tax and minority interest 42,761 39,543 156,047 188,898
Income Tax (13,008) (11,205) (48,719) (60,563)
Net income before minority interest 29,753 28,338 107,328 128,335
Minority interest (2,372) (2,772) (10,525) (10,620)
         
Net income 27,381 25,566 96,803 117,715
Cash-flow after taxes 65,152 56,203 221,664 245,201
         
Net income per share        
* Pts/share 91.27 85.22 322.68 392.38
* $/ADR 0.69 0.70 2.45 3.22
Cash-flow per share        
* Pts/share 217.17 187.34 738.38 817.34
* $/ADR 1.65 1.54 5.61 6.72

_________________________________________
$= 121.71 pesetas in 1995
$= 131.661 pesetas in 1994


ANALYSIS OF REPSOL OPERATING INCOME BY ACTIVITY

(Million pesetas)

- NON-AUDITED FIGURES -

  FOURTH QUARTER JANUARY DECEMBER
  1994 1995 1994 1995
Exploration & Production (1) 5,293 2,563 17,073 18,999
Refining & Marketing (2) 17,044 21,725 89,367 75,993
Chemicals (3) 12,471 4,917 23,201 62,859
Gas (4) 14,360 15,322 47,688 57,526
Corporate and others (5) 177 (512) (412) (2,873)
TOTAL 49,345 44,015 176,917 212,504
TOTAL (LIFO BASIS) 51,364 43,313 177,459 213,711

_________________________________________
(1) Includes Repsol Exploraci�n.
(2) Includes: C.L.H., refining and marketing of Repsol Petr�leo and Petronor, Repsol Comercial de Productos Petrol�feros, Repsol Naviera Vizca�na and the International Area.
(3) Includes basic petrochemicals from Repsol Petr�leo and Petronor plus derivative petrochemicals from Repsol Qu�mica.
(4) Includes Repsol Butano and the 45.3% stake in the Gas Natural Group.
(5) Includes overhead costs for Repsol, S.A. and expenses incurred by Repsol Group financial and reinsurance companies not billed to companies pertaining to business areas.


ANALYSIS OF REPSOL OPERATING REVENUES BY ACTIVITY

(Million pesetas)

- NON-AUDITED FIGURES -

FOURTH QUARTER JANUARY-DECEMBER
1994 1995 1994 1995
Exploration & Production (1) 36,909 31,723 138,687 136,087
Refining & Marketing (2) 477,297 499,008 1,895,032 1,974,558
Chemicals (3) 45,956 37,522 148,384 203,195
Gas (4) 78,677 79,945 260,669 301,413
Adjustments and others (5) (18,150) (18,567) (70,922) (70,473)
TOTAL 620,689 629,631 2,371,850 2,544,780

_________________________________________
(1) Includes Repsol Exploraci�n.
(2) Includes: C.L.H., refining and marketing of Repsol Petr�leo and Petronor, Repsol Comercial de Productos Petrol�feros, Repsol Naviera Vizca�na and the International Area.
(3) Includes basic petrochemicals from Repsol Petr�leo and Petronor plus derivative petrochemicals from Repsol Qu�mica.
(4) Includes Repsol Butano and the 45.3% stake in the Gas Natural Group.
(5) Includes elimination through sales made between different business areas.


REPSOL'S INVESTMENTS BY ACTIVITIES

(Million pesetas)

- NON-AUDITED FIGURES -

  FOURTH-QUARTER JANUARY-DECEMBER
  1994 1995 1994 1995
Exploration & Production (1) 14,221 9,440 39,759 35,333
Refining & Marketing (2) 23,002 36,177 80,542 98,125
Chemicals (3) 3,124 3,935 5,619 9,152
Gas (4) 15,792 23,345 63,624 57,963
Corporate and others (5) 85 828 1,308 2,655
TOTAL 56,224 73,725 190,852 203,228

______________________________________
(1) Includes Repsol Exploraci�n.
(2) Includes: C.L.H., refining and marketing of Repsol Petr�leo and Petronor, Repsol Comercial de Productos Petrol�feros, Repsol Naviera Vizca�na and the International Area.
(3) Includes basic petrochemicals from Repsol Petr�leo and Petronor plus derivative petrochemicals from Repsol Qu�mica.
(4) Includes Repsol Butano and the 45.3% stake in the Gas Natural Group.
(5) Includes Repsol, S.A. and Repsol Group financial and reinsurance companies.


REPSOL COMPARATIVE BALANCE SHEET

(Million pesetas)

- NON-AUDITED FIGURES -

  DECEMBER 1994 DECEMBER 1995
Net fixed assets 991,015 1,049,964
Cash & current investments 118,976 124,194
Other current assets 496,609 494,301
TOTAL ASSETS / LIABILITIES 1,606,600 1,668,459
     
Shareholder's equity 588,606 658,040
Provisions 103,988 95,824
Minority interests 64,068 65,185
Non interest bearing liabilities 63,159 68,494
Financial loans 217,427 221,083
Current financial debt 152,448 92,728
Current liabilities 416,904 467,105


REPSOL CONSOLIDATED STATEMENTS OF CASH FLOWS FOURTH QUARTER - 1994 AND 1995

Million Pesetas

 - NON-AUDITED FIGURES -

CASH-FLOW FROM OPERATING ACTIVITIES 1994 1995
Net income 96,803 117,715
Adjustments to reconcile net income to net cash provided by operating activities:    
Amortizations 98,449 110,127
Net Provisions 15,427 7,128
Minority interest 10,525 10,620
Gains on divestments and other 460 (389)
     
SOURCES OF FUNDS 221,664 245,201
Changes in working capital (10,044) 49,907
  211,620 295,108
     
CASH-FLOW FROM INVESTING ACTIVITIES    
Capital expenditures (139,477) (165,095)
Investments in intangible assets (3,730) (12,957)
Financial investments (14,788) (12,905)
Deferred expenses (8,234) (7,707)
Acquisition of share holdings in consolidated subsidiaries (24,623) (4,564)
  (190,852) (203,228)
Divestments 11,932 14,491
  (178,920) (188,737)
     
CASH-FLOW    
Loan proceeds and other long-term debt 79,814 99,712
Repayment of loans and other noncurrent liabilities (42,145) (102,828)
Variation in current financial assets (35,523) (54,980)
Subsidies received 4,692 9,374
Dividend paid (44,025) (54,227)
  (37,187) (102,949)
Net change in cash and cash equivalents (4,487) 3,422
Cash and cash equivalents at January 1st, 10,252 5,765
Cash and cash equivalents at December 31st, 5,765 9,187


OPERATING HIGHLIGHTS

- NON-AUDITED FIGURES -

PHYSICAL MAGNITUDES UNIT 1994 1995 % Variation
    1st Q. 2nd Q. 3rd Q. 4th Q. Total a�o 1st Q. 2nd Q. 3rd Q. 4th Q. Total a�o  
HYDROCARBON PRODUCTION '000 Boepd 199.2 208.0 212.0 234.4 213.4 209.6 200.8 189.6 198.4 199.6 -6.5
                         
Spain Production '000 Boepd 13.6 20.8 18.4 18.4 17.8 18.4 11.2 10.4 14.4 13.6 -23.6
* Crude Oil '000 Boepd 6.4 6.4 6.4 5.6 6.2 5.6 4.8 4.8 4.8 5.0 -19.4
* Gas '000 Boepd 7.2 14.4 12.0 12.8 11.6 12.8 6.4 5.6 9.6 8.6 -25.9
Overseas Production '000 Boepd 185.6 187.2 193.6 216.0 195.6 191.2 189.6 179.2 184.0 186.0 -4.9
                         
CRUDE OIL PROCESSED '000 Bpd 672.0 572.0 649.6 672.8 641.6 644.8 640.8 620.8 664.0 642.6 0.2
                         
SALES OF PETROLEUM PRODUCT Kt 7,572 7,398 6,880 7,301 29,151 7,398 7,354 6,744 8,779 30,275 3.9
                         
National Market                   (4)    
* Gasolines Kt 1,142 1,241 1,430 1,273 5,086 1,205 1,292 1,377 1,686 5,560 9.3
* Gas-oil / Kerosene Kt 2,693 2,531 2,559 2,902 10,685 3,056 2,745 2,789 3,763 12,353 15.6
* Fuel-oils   1,103 1,177 1,115 1,155 4,550 1,166 1,326 996 1,522 5,010 10.1
* Others Kt 323 646 581 346 1,896 458 525 432 451 1,866 -1.6
Exports                        
* Gasolines Kt 349 564 376 154 1,443 229 390 242 199 1,060 -26.6
* Gas-oil / Kerosene Kt 391 128 73 275 867 156 86 96 253 591 -31.8
* Fuel-oils Kt 1,262 962 467 943 3,634 938 713 557 595 2,803 -22.9
* Others Kt 309 149 279 253 990 190 277 255 310 1,032 4.3
SALES OF PETROCHEM. PRODUCTS (1) Kt 464 429 496 448 1,837 493 481 432 437 1,843 0.3
                         
By geographical areas                        
* Spain Kt 241 236 254 262 993 279 252 206 234 971 -2.2
* Others Kt 223 193 242 186 844 214 229 226 203 872 3.3
                         
By type of product                        
* Basic petrochemicals Kt 174 153 166 148 641 177 202 184 138 701 9.4
* Derivative petrochemicals Kt 290 275 331 301 1,197 316 279 248 299 1,142 -4.6
SALES OF GAS                        
* LPG Kt 743 544 443 673 2,403 745 565 435 622 2,367 -1.5
            (3)         (2)  
* Natural Gas Mte 6,266 6,011 9,833 10,833 32,943 12,416 11,684 10,815 12,550 47,465 44.1

___________________________________________________
(1) Includes net sales of base petrochemicals.
(2) Refers to the proportional consolidation of Gas Natural Group sales (45.3%) and includes global consolidation in the Gas Natural Group of Enagas and Gas Natural BAN sales.
(3) Refers to the proportional consolidation of Gas Natural Group sales (45.3%), including global consolidation in the Gas Natural Group of the Gas Natural BAN sales, and Enagas sales from July 1994 onwards. On the same basis as 1995, the sales figure would be 42,754 Mte., showing an 11% rise in sales for 1995 over those of 1994.
(4) Includes sales to CORES at 1/12/95 of gasoline (427), G.O. (658), kerosene (65) and F.O. (279).


Madrid, March 1st, 1996