|Profit and loss account (€M)|
|Net interest income||2,722||3,512||29.0|
|Gross operating income||3,907||4,448||13.8|
|Atributable net profit||709||1.028||44.9|
|Balance sheet (€M)|
|Performing gross loans||156,745||151,627||-3.3|
|Gross loans to customers||162,403||157,505||-3.0|
|On-balance shett funds||185,173||188,359||1.7|
|Of which: Customer funds||163,247||161,973||-0.8|
|Off-balance sheet customer funds||38,049||39,342||3.4|
|Funds under management||223,222||227,702||2.0|
|Profitability and cost-to-income ratios (%)|
|Cost/income (excl. amortizació)||45.83||41.91|
|Non-performing exposures (€M)||5,830||5,891||1.1|
|Total problematic assets (€M)||7,039||6,930||-1.6|
|NPL ratio (%)||3.40||3.54|
|NPL coverage ratio (%)||55,13||56,52|
|Problematic assets coverage (%)||52.34||53.87|
|Risk weighted assets (RWA) (€M)||80,880||78,795||-2.6|
|Common Equity Tier 1 phase-in (%)||12.65||13.13|
|Common Equity Tier 1 fully-loaded (%)||12.52||13.13|
|Tier 1 phase-in (%)||14.69||15.35|
|Total capital ratio phase-in (%)||17.08||18.35|
|Leverage ratio phase-in (%)||4.62||5.01|
|Loan to deposits ratio (%)||96.7||94.6|
See alternative performance measures glossary below for key financial ratios' definitions.
In this section you can download Banco Sabadell Group’s quarterly results presentations.
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.
- 3Q23 Financial Report 949.0 KB
- Half-yearly additional financial accounts - June 2023 7517.0 KB
- 2Q23 Financial Report 953.0 KB
- 1Q23 Financial Report 962.0 KB
- 4Q22 Financial Report 957.0 KB
In this section, you can download Banco Sabadell’s latest annual report and other legal reports.
The regulated information for 2020 consists of the Spanish versions of the individual and consolidated annual financial reports prepared following the ESEF regulation.
Pillar III disclosure
In this section you can download Banco Sabadell Group’s Pillar III disclosure reports and TSB’s Significant Subsidiary Disclosures.
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 92.0 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.
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 2022 year-end, the average time taken to pay suppliers in Banco de Sabadell, S.A. was 17 days, below the legal maximum period established in the abovementioned law. In 2022, Banco de Sabadell, S.A. paid a total of 147,404 invoices amounting to 1,469,503 thousand euros, of which 137,086 invoices amounting to 1,410,723 thousand euros were paid within the legal limit, accounting for 93% of the volume of invoices and 96% of the amount paid.