Economic and financial information 1

Cabecera Banc de Sabadell

 Main figures

In this section you can download Banco Sabadell Group’s financial data.

 


 

  30.09.19 30.09.20 Change (%)
Profit and loss account (€M)
Net interest income 2,712 2,545 -6.2
Core revenue 3,780 3,546 -6.2
Gross operating income 3,834 3,636 -5.2
Pre-provisions income 1,467 1,249 -14.9
Attributable net profit 783 203 -74.1
Balance sheet (€M)      
Total assets 222,809 236,094 6.0
Performing gross loans 140,901 145,462 3.2
Gross loans to customers 147,535 151,557 2.7
On-balance sheet funds 166,512 170,712 2.5
     Of which: Customer funds 142,416 148,163 4.0
Off-balance sheet customer funds 43,689 41,935 -4.0
Funds under management 210,201 212,647 1.2
Net equity 13,057 12,731 -2.5
Shareholders' equity 13,267 13,168 -0.8
Profitability and cost-to-income ratios (%)      
ROA 0.40 0.09  
RORWA 1.08 0.25  
ROE 6.92 1.49  
ROTE 8.58 1.85  
Cost / income (excl. amortisation) 54.13 56.28  
Risk management      
Non-performing exposures (€M) 6,391 6,127 -4.1
Total problematic assets (€M) 7,424 7,647 3.0
NPL ratio (%) 4.08 3.81  
NPL coverage ratio (%) 51.1 56.5  
Problematic assets coverage (%) 49.1 52.3  
Capital management      
Risk weighted assets (RWA) (€M) 82,615 77,797 -5.8
Common Equity Tier 1 phase-in (%) 12.1 12.9  
Common Equity Tier 1 fully-loaded (%) 11.4 12.0  
Tier 1 phase-in (%) 13.5 14.4  
Total capital ratio phase-in (%) 15.3 16.5  
Leverage ratio phase-in (%) 4.98 5.25  
Liquidity management      
Loan to deposits ratio (%) 99.5 98.5  
Other data      
Branches 2,437 2,204  
Employees 24,997 23,918  

 

See alternative performance measures glossary below for key financial ratios' definitions.



Results presentation

Quarterly financial reports

In this section you can download Banco Sabadell Group’s quarterly financial reports and other historical financial information.

Annual reports

Solvency and financial condition reports (SFCR) for Group’s insurance companies

Alternative performance measures

In this section you can download the glossary of alternative performance measures.

Other presentations

In this section you can download other additional presentations.

Take over bids

In this section you can download the shares public tender offers of Banco Sabadell Group:

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 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).

Average period of payment to suppliers

As established in the second final provision of Law 31/2014, of 3 December, amending Law 15/2010, of 5 July, which amended Law 3/2004, of 29 December, establishing measures to combat late payments in commercial transactions, listed companies are obliged to expressly disclose, in the notes to their annual financial statements and on their website, the average number of days they take to pay their suppliers.
 

In connection with this disclosure obligation, as at 2019 year-end, the average period of payment to suppliers was 18 days for Banco de Sabadell, S.A. and 37 days for the Banco Sabadell Group, below the maximum legal period of 60 days established by this Law.