• Annual Report 2015

Download PDF

Key Figures in 2015

Net attributable profit 708.4M€ +90.6% 2015/2014

ROTE 7.6%

Acquisition of TSB and larger international footprint


Increase in net interest income
+41.7%
Decline in loan loss ratio
-4.95%

Customers

Milions of customers
11.4 +78.1% 2015/2014

Branches 2,873
Service quality index Service quality index

Source: STIGA, EQUOS RCB Analysis of objective quality in banking branch networks, Q4 2015.

  • Sector
  • Sabadell

Upward trend in profitability and acquisition of TSB: pillars for 2015.

Shareholders

265,935 +15% 2015/2014
Dividend yield 3%


Employees

26,090 55.6% women, 44.4% men
98% received training

Transformation

Digital transformation enhances and improves customers' experience

Sabadell Móvil, has been the best rated app by online Google and Apple stores for the fourth consecutive year

Total mobile customers
Customers (thousands)

Total mobile customers

+41% 2015/2013

Mobile only Customers
% of active digital customers

Mobile only Customers
Significant impacts

85% Of operations carried out outside of branches

18% Sales in digital channels

>15 Monthly connections per customer through Sabadell Móvil

Financial figures

Balance sheet € million 2015/2014
Total on-balance sheet assets 208,628 27.7
Loans and advances to customers 153,425 29.4
On-balance sheet customer funds 131,489 39.2
Shareholders’ funds 12,275 20.1
Income statement (solid results)    
Net interest income 3,203 41.7
Net attributable profit 708.4 90.6
Non-performing loans    
Non-performing loans 12,344 -22.4
Coverage ratio (%) 53.6 4.2
Solvency (capital at comfortable levels) (%)    
CET1 phase-in above regulator’s requirements 11.5 (>9.25)  
CET1 fully loaded 11.4  
Liquidity (%)    
Loan to deposits (LTD) ratio 106.50  
Evolution of net interest income
(€ million)

Net interest income has increased in a low interest rate environment

Evolution of loans and advances, excluding NPLs and ex TSB
(€ million)

+2.1% 2015/2014

Acknowledgements