Main figures
In this section you can download Banco Sabadell Group’s financial data.
- Financial data 4Q24 556.0 KB
- Financial data 3Q24 569.0 KB
- Financial data 2Q24 467.0 KB
- Financial data 1Q24 463.0 KB
| 31.12.23 | 31.12.24 | Change (%) | |
|---|---|---|---|
| Profit and loss account (€M) | |||
| Net interest income | 4,723 | 5,021 | 6.3 |
| Core revenue | 6,109 | 6,378 | 4.4 |
| Gross operating income | 5,862 | 6,337 | 8.1 |
| Pre-provisions income | 2,847 | 3,254 | 14.3 |
| Atributable net profit | 1.332 | 1.827 | 37.1 |
| Balance sheet (€M) | |||
| Total assets | 235,173 | 239,598 | 1.9 |
| Performing gross loans | 149,798 | 156,913 | 4.7 |
| Gross loans to customers | 155,459 | 161,717 | 4.0 |
| On-balance shett funds | 186,122 | 197,260 | 6.0 |
| Of which: Customer funds | 160,888 | 169,557 | 5.4 |
| Off-balance sheet customer funds | 40,561 | 46,171 | 13.8 |
| Funds under management | 226,682 | 243,431 | 7.4 |
| Net equity | 13,879 | 15,033 | 8.3 |
| Shareholders' equity | 14,344 | 15,389 | 7.3 |
| Profitability and cost-to-income ratios (%) | |||
| ROA | 0.54 | 0.76 | |
| RORWA | 1.70 | 2.29 | |
| ROE | 9.49 | 12.40 | |
| ROTE | 11.50 | 14.93 | |
| Cost/income (excl. amortizació) | 42.59 | 40.75 | |
| Risk management | |||
| Non-performing exposures (€M) | 5,777 | 4,844 | -16.2 |
| Total problematic assets (€M) | 6,748 | 5,680 | -15.8 |
| NPL ratio (%) | 3.52 | 2.84 | |
| NPL coverage ratio (%) | 58.29 | 61.73 | |
| Problematic assets coverage (%) | 55.60 | 58.60 | |
| Capital management | |||
| Risk weighted assets (RWA) (€M) | 78,428 | 80,559 | 2.7 |
| Common Equity Tier 1 phase-in (%) | 13.19 | 13.02 | |
| Common Equity Tier 1 fully-loaded (%) | 13.19 | 13.02 | |
| Tier 1 phase-in (%) | 15.42 | 15.19 | |
| Total capital ratio phase-in (%) | 17.76 | 17.60 | |
| Leverage ratio phase-in (%) | 5.19 | 5.20 | |
| Liquidity management | |||
| Loan to deposits ratio (%) | 94.0 | 93.2 | |
| Other data | |||
| Branches | 1,420 | 1.350 | |
| Employees | 19,316 | 18,769 |
See alternative performance measures glossary below for key financial ratios' definitions.
Results presentation
In this section you can download Banco Sabadell Group’s quarterly results presentations.
- 4Q24 Results Presentation 838.0 KB
- 3Q24 Results Presentation 613.0 KB
- 2Q24 Results Presentation 872.0 KB
- 1Q24 Results Presentation 768.0 KB
Quarterly and half-yearly financial reports
In this section you can download Banco Sabadell Group’s quarterly financial and half-yearly reports and other historical financial information.
- 4Q24 Financial Report 1013.0 KB
- 3Q24 Financial Report 968.0 KB
- Half-yearly additional financial accounts - June 2024 1884.0 KB
- 2Q24 Financial Report 966.0 KB
- 1Q24 Financial Report 964.0 KB
Annual reports
In this section, you can download Banco Sabadell’s latest annual report and other legal reports.
Pillar III disclosure
In this section you can download Banco Sabadell Group’s Pillar III disclosure reports and TSB’s Significant Subsidiary Disclosures.
- Annual report 2024 17747.0 KB
- TSB Large Subsidiary Disclosures 2024 2051.0 KB
- Annual report tables 2024 905.0 KB
- 3Q24 Report 260.0 KB
- 2Q24 ESG Risks Disclosure 2078.0 KB
- 2Q24 Report 620.0 KB
Solvency and financial condition reports (SFCR) for Group’s insurance companies
In this section you can download the solvency and financial condition reports (SFCR) for Banco Sabadell Group’s insurance companies.
Alternative performance measures
In this section you can download the glossary of alternative performance measures.
- Alternative performance measures 33.0 KB
Other presentations
In this section you can download other additional presentations.
- G-SIB 2023 257.0 KB
- G-SIB 2022 349.0 KB
- 2022 EU-wide Transparency Exercise 2412.0 KB
- G-SIB 2021 336.0 KB
- 2021 EU-wide Transparency Exercise 540.0 KB
Public offerings and admission to trading
In this section you can download documentation related to Banco Sabadell Group’s public tender offers:
For more information on fixed income issues, refer to the Fixed income investors section.
- Registration Document 2024 (Spanish version) 22379.0 KB
- Registration Document 2023 (Spanish version) 1278.0 KB
- Registration Document 2022 (Spanish version) 1733.0 KB
- Registration Document 2021 (Spanish version) 4890.0 KB
- Registration Document 2020 (Spanish version) 1489.0 KB
Corporate transactions
In this section you can download information on Banco Sabadell Group’s corporate transactions:
TSB public tender offer documentation
In this section we provide historical information on the public offer to acquire all of the shares of TSB Banking Group plc.
- TSB acquisition significant event 85.0 KB
- RNS - Process of compulsory acquisition of 100% completed 30.0 KB
- TSB 1H2015 Results 181.0 KB
TSB historial financial information
In this section you can download TSB Banking Group’s historical financial, acquisition related and regulatory information and access other results and official market announcements from June 2014 to the time of the acquisition by Banco Sabadell. To access the latest financial information and press releases please go to TSB Banking’s Group corporate website.
Metrovacesa, S.A. shares Public Tender Offer documentation
Historical information of prospectus related to Metrovacesa, S.A. shares Public Tender Offer documentation (01.04.2013).
Banco Atlántico, S.A. shares Public Tender Offer documentation
Historical information of CNMV Prospectus - Banco Atlántico, S.A. shares Public Tender Offer (03.02.2004).
Project of merger by absorption
Information relating to the merger by absorption between Banco de Sabadell, S.A. (Absorbing company) and Bansabadell Financiación, E.F.C., S.A. (Absorbed company).
Shared Simplified Segregation Project
Information relating to the simplified segregation project between Banco de Sabadell, S.A. (segregated company) and Paycomet, S.L.U. (beneficiary company).
Share capital reduction of Banco Sabadell
Information regarding the share capital reduction through the redemption of treasury shares of Banco de Sabadell, S.A.
Average period of payment to suppliers
According to Law 18/2022, of 28 September, modifying Law 15/2010, of 5 July, which in turn modified Law 3/2004, of 29 December, establishing measures to fight against late payments in commercial transactions, listed companies are obliged to expressly disclose in their annual financial statements and on their websites the average time taken to pay suppliers, the monetary amount and the number of invoices paid in a period shorter than the maximum period established in late payment regulations and the percentage they represent of the total number of invoices and of the total amount of payments to suppliers. In relation to the foregoing, as at 2024 year-end, the average time taken to pay suppliers in Banco de Sabadell, S.A. was 22 days, below the legal maximum period established in the abovementioned law. In 2024, Banco de Sabadell, S.A. paid a total of 136,196 invoices amounting to 2,679,535 thousand euros, of which 128,024 invoices amounting to 2,625,944 thousand euros were paid within the legal limit, accounting for 94% of the volume of invoices and 98% of the amount paid.