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%
Increase in outstanding lending
+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

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.

Triple Plan 2014–2016: a very positive outcome.

Shareholders

260,948 0.05 in cash
Dividend 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

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)



Fee revenues
(€ million)



Quality certificates