Key figures in 2016
Attributed income
710.4€mn
+0.3% 2016/2015
Increase in net interest income
+19.8%
NPL ratio down to
6.1%
+19.8%
NPL ratio down to
6.1%
Increase in outstanding lending
+0.1%
Decline in problem asset exposure since 2013
7.4€bn
+0.1%
Decline in problem asset exposure since 2013
7.4€bn
Customers
Million customers
11.9 +4.4% 2016/2015
Branches 2,767 -3.8% 2016/2015
11.9 +4.4% 2016/2015
Branches 2,767 -3.8% 2016/2015
Service quality
Net promoter score
Sabadell quality index performance vs. banking industry
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.
Triple Plan 2014–2016: a very positive outcome.
Shareholders
260,948 0.05€ in cashDividend yield 3.8%
Proposed dividend 100% in cash
Employees
25,945 55.9% , 44.1%98% received training
Digital transformation
Sabadell Wallet and Bizum — new mobile payment platforms
Significant impacts
86% Transactions via distance means
18% Sales via digital channels
86% Transactions via distance means
18% Sales via digital channels
Financial data
| Balance sheet | € million | 2016/2015 |
|---|---|---|
| Total on-balance sheet assets | 212,508 | 1.9 |
| Customer loans | 150,095 | -2.2 |
| On-balance sheet customer funds | 133,457 | 1.5 |
| Own funds | 12,926 | 5.3 |
| Earnings (solid results) | ||
| Net interest income | 3,838 | 19.8 |
| Attributable income | 710.4 | 0.3 |
| Doubtful exposures | ||
| Doubtful exposures | 9,746 | -22.4 |
| Coverage ratio (%) | 51.5 | -3.7 |
| Capital adequacy (comfortable) (%) | ||
| CET1 phase-in above regulatory requirements | 12.0 (>9.25) | |
| CET1 fully loaded | 12.0 | |
| Liquidity (%) | ||
| Loan-to-deposit (LtD) ratio | 105.1 | |
Solid growth in core banking revenues
Net interest income
(€ million)
(€ million)
Fee revenues
(€ million)
(€ million)
Quality certificates
