Commercial Banking

Commercial Banking is the largest of the Group’s business lines. It focuses on providing financial products and services to large and medium-sized businesses, SMEs, retailers and sole proprietors, professional groupings, entrepreneurs and personal customers. Its high degree of market specialisation ensures that customers receive a top-quality, personalised service that is totally oriented to meeting their needs, whether from expert staff throughout its extensive, multi-brand branch network or via other channels that support the customer relationship and give access to remote banking services. It includes the Group's Bancassurance and Sabadell Consumer businesses.

To be wherever the customer is.

Service quality

Net promoter score
Sabadell quality index performance vs. banking industry
2016 Ranking Since 2013
Large corporates
(revenues > €5mn)
29% 1st +14pp
SMEs
(revenues < €5mn)
16% 1st +13pp
Personal Banking 29% 2nd +33pp
Retail Banking 4% 3rd +26pp

Banco Sabadell maintained its lead over the industry in terms of quality and retained number-one position in the ranking for large corporates and SMEs.

Customer segments:
Companies, businesses and government

Sound growth in performing loans, driven by companies and SMEs.

In 2016, the group continued its drive to offer more up-to-date, more specialised products and services.

Individuals

Banco Sabadell has decided to focus on customer experience as the lever for differentiation to gain a sustainable long-term competitive advantage.

In 2016, a new hub-and-spoke branch model was established, and Active Management was rolled out in Retail Banking.

Map of brands by zone

  • Sabadell
  • SabadellHerrero
  • SabadellGuipuzcoano
  • SabadellGallego
  • SabadellSolbank
  • SabadellUrquijo
  • ActivoBank

SabadellHerrero

During 2016, SabadellHerrero continued to offer customers the benefit of its extensive experience, a feature for which the brand recently obtained recognition at national level.

SabadellGallego

SabadellGallego accelerated the pace of sales in 2016, reaping the advantages of being fully integrated into the Bank's commercial systems and customer service quality standards.

SabadellGuipuzcoano

In 2016, the focus was on brand recognition and expanding the customer base in all segments.

ActivoBank

ActivoBank concentrated sales efforts on asset management and to achieved a volume of €1,024.2 million.

BStartup

Commercial activity in the BStartup programme expanded significantly.

Occupational groupings and agent partners

Banco Sabadell is the go-to bank for occupational groupings nationwide.

Banco Sabadell's agent network achieved over 44,000 new customers in 2016.

Bancassurance

Bancassurance is profitable and expanding.

Sabadell Consumer Finance

Commercial activity continued to improve in 2016, with notable growth in customer spreads and profit margins.