Balance Sheet Banco de Sabadell, S.A.

Equities

SAB

ES0113860A34

Banks

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Published financial data: BANCO DE SABADELL, S.A.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	3.92B	3.73B	4.5B	7.77B	8.67B
Interest Income On Investments	400M	414M	491M	896M	1.05B
Interest Income, Total	4.32B	4.15B	4.99B	8.67B	9.72B
Interest On Deposits	925M	722M	1.19B	3.94B	4.69B
Interest Expense, Total	925M	722M	1.19B	3.94B	4.69B
Net Interest Income	3.4B	3.43B	3.8B	4.73B	5.03B
Income From Trading Activities	444M	-184M	205M	122M	-231M
Gain (Loss) on Sale of Assets	103M	-7.39M	-27.8M	-59.96M	-36.39M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	44.61M	27.46M	17.33M	27.74M	21.45M
Income (Loss) on Equity Invest. (Income Block)	35.93M	100M	122M	123M	160M
Total Other Non Interest Income	649M	1.34B	1.04B	850M	1.36B
Non Interest Income, Total	1.28B	1.27B	1.36B	1.06B	1.27B
Revenues Before Provison For Loan Losses	4.68B	4.7B	5.16B	5.79B	6.3B
Provision For Loan Losses	1.02B	636M	849M	809M	587M
Total Revenues	3.66B	4.06B	4.31B	4.99B	5.71B
Salaries And Other Employee Benefits	1.51B	1.47B	1.39B	1.46B	1.51B
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	510M	527M	545M	519M	501M
Selling General & Admin Expenses, Total	869M	878M	837M	891M	936M
Total Other Non Interest Expense	390M	124M	190M	133M	219M
Non Interest Expense, Total	3.28B	3B	2.96B	3B	3.17B
EBT, Excl. Unusual Items	378M	1.06B	1.35B	1.98B	2.54B
Restructuring Charges	-345M	-298M	-	-26.41M	-10.28M
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-3.17M	-104M	-65.9M	-58.66M	-61.51M
Legal Settlements	-70M	-39.61M	-45.21M	-4.56M	45.91M
Other Unusual Items	-80.85M	-	-	-	-
EBT, Incl. Unusual Items	-121M	620M	1.24B	1.89B	2.51B
Income Tax Expense	-124M	81.28M	373M	557M	685M
Earnings From Continuing Operations	3.01M	539M	869M	1.33B	1.83B
Net Income to Company	3.01M	539M	869M	1.33B	1.83B
Minority Interest	-1.01M	-8.47M	-10.75M	-1.42M	-1.82M
Net Income - (IS)	2M	530M	859M	1.33B	1.83B
Preferred Dividend and Other Adjustments	73.23M	101M	110M	115M	98.16M
Net Income to Common Incl Extra Items	-71.22M	430M	748M	1.22B	1.73B
Net Income to Common Excl. Extra Items	-71.22M	430M	748M	1.22B	1.73B
Per Share Items
Net EPS - Basic	-0.01	0.08	0.13	0.23	0.32
Basic EPS - Continuing Operations	-0.01	0.08	0.13	0.23	0.32
Basic Weighted Average Shares Outstanding	5.58B	5.59B	5.59B	5.4B	5.38B
Net EPS - Diluted	-0.01	0.08	0.13	0.23	0.32
Diluted EPS - Continuing Operations	-0.01	0.08	0.13	0.23	0.32
Diluted Weighted Average Shares Outstanding	5.58B	5.59B	5.59B	5.4B	5.38B
Normalized Basic EPS	0.04	0.12	0.15	0.23	0.29
Normalized Diluted EPS	0.04	0.12	0.15	0.23	0.29
Dividend Per Share	-	0.03	0.04	0.06	0.2
Payout Ratio	5.62K	-	32.71	20.55	32.37
American Depositary Receipts Ratio (ADR)	2	2	2	2	2
Supplemental Items
Effective Tax Rate - (Ratio)	102.49	13.11	30.04	29.47	27.26
Total Current Taxes	-45.59M	126M	-	-	-
Total Deferred Taxes	-88.75M	-49.71M	-	-	-
Normalized Net Income	235M	655M	835M	1.24B	1.59B
Non-Cash Pension Expense	3.77M	3.94M	3.17M	6.19M	4.34M
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	6.28M	3.96M	4.92M	6.19M	6.46M
Total Stock-Based Compensation	6.28M	3.96M	4.92M	6.19M	6.46M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	1.34B	1.47B	2.02B	1.42B	1.28B
Investment Securities, Total	25.73B	22.78B	27.85B	28.4B	43.19B
Trading Asset Securities, Total	3.69B	2.49B	5.54B	4.56B	5.42B
Total investments	29.41B	25.27B	33.39B	32.97B	48.61B
Gross Loans	160B	167B	167B	163B	163B
Allowance For Loan Losses	-3.08B	-3.3B	-3.02B	-3.2B	-2.85B
Other Adjustments to Gross Loans	-176M	-153M	-184M	-241M	-242M
Net Loans	156B	164B	164B	159B	160B
Gross Property Plant And Equipment	4.62B	4.1B	4.04B	3.89B	3.91B
Accumulated Depreciation	-1.77B	-1.71B	-1.75B	-1.82B	-1.99B
Net Property Plant And Equipment	2.85B	2.4B	2.28B	2.07B	1.92B
Goodwill	1.03B	1.03B	1.03B	1.02B	1.02B
Other Intangibles, Total	1.57B	1.55B	1.46B	1.46B	1.53B
Investment in Real Estate	348M	379M	300M	230M	157M
Accrued Interest Receivable	3M	58M	51.61M	71.93M	93.19M
Other Receivables	507M	320M	207M	452M	541M
Restricted Cash	33.84B	47.74B	39.24B	28.57B	17.11B
Other Current Assets, Total	512M	348M	295M	306M	301M
Deferred Tax Assets Long-Term (Collected)	6.64B	6.71B	6.64B	6.39B	5.9B
Other Real Estate Owned And Foreclosed	658M	573M	537M	527M	461M
Other Long-Term Assets, Total	714M	477M	386M	374M	381M
Total Assets	236B	252B	251B	235B	240B
Liabilities
Accrued Expenses, Total	-	-	-	-	482M
Interest Bearing Deposits	54.2B	55.28B	46.78B	37.84B	35.16B
Non-Interest Bearing Deposits	131B	148B	148B	134B	138B
Total Deposits	185B	203B	195B	172B	174B
Short-Term Borrowings	10.77B	7.74B	13.05B	15.68B	15.39B
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	21.59B	22.09B	22.49B	25.02B	27.52B
Long-Term Leases	1.05B	1.04B	969M	947M	929M
Current Income Taxes Payable	39.69M	81.16M	113M	218M	98.15M
Other Current Liabilities - (Bank / Utility Template)	2.21B	2.94B	4.58B	4.87B	4.8B
Unearned Revenue Non Current	-	-	-	-	-
Pension & Other Post Retirement Benefits	99.69M	86.02M	63.38M	58.31M	54.47M
Deferred Tax Liability Non-Current	167M	124M	114M	115M	121M
Other Non Current Liabilities	2.48B	1.76B	2.07B	2.3B	1.68B
Total Liabilities	223B	239B	238B	221B	225B
Common Stock, Total	703M	703M	703M	680M	680M
Additional Paid In Capital	7.9B	7.9B	7.9B	7.7B	7.7B
Retained Earnings	5.45B	5.97B	6.61B	7.57B	8.77B
Treasury Stock	-37.52M	-34.52M	-23.77M	-39.62M	-119M
Comprehensive Income and Other	-1.59B	-1.57B	-1.99B	-2.06B	-2.03B
Total Common Equity	12.42B	12.97B	13.19B	13.84B	15B
Minority Interest	71.63M	24.98M	34.34M	34.21M	34.42M
Total Equity	12.49B	13B	13.22B	13.88B	15.03B
Total Liabilities And Equity	236B	252B	251B	235B	240B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	5.58B	5.59B	5.6B	5.4B	5.36B
ECS Total Common Shares Outstanding	5.58B	5.59B	5.6B	5.4B	5.36B
Book Value / Share	2.23	2.32	2.35	2.56	2.8
Tangible Book Value	9.82B	10.39B	10.71B	11.36B	12.45B
Tangible Book Value Per Share	1.76	1.86	1.91	2.1	2.32
Tangible Book Value Per Share (As Reported)	1.85	1.92	2.03	2.2	2.39
Average Assets	228B	245B	258B	245B	242B
Average Loans	144B	152B	158B	154B	154B
Total Debt	33.41B	30.87B	36.51B	41.66B	43.83B
Deposits at Interest - Cash	33.84B	47.74B	39.24B	28.57B	17.11B
Debt Equivalent of Unfunded Proj. Benefit Obligation	104M	86.67M	63.55M	58.38M	54.51M
Net Debt	28.32B	26.91B	28.94B	35.66B	25.89B
Equity Method Investments, Total	780M	639M	515M	463M	525M
Full Time Employees	23.35K	19.88K	18.71K	19.15K	18.58K
Number Of Offices	2.08K	1.59K	1.46K	1.42K	1.35K
Assets on Operating Lease - Gross	359M	5.38M	20.95M	22.81M	15.38M
Assets on Operating Lease - Accumulated Depreciation	-85.46M	-2.59M	-11.6M	-13.76M	-11.76M

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	2M	530M	859M	1.33B	1.83B
Depreciation, Depletion & Amortization	305M	296M	286M	263M	253M
Amortization of Goodwill and Intangible Assets - (CF)	218M	230M	259M	256M	248M
Total Depreciation, Depletion & Amortization	523M	527M	545M	519M	501M
Change in Trading Asset Securities	867M	525M	-1.13B	879M	-832M
Change in Other Net Operating Assets (Collected)	17.21B	9.5B	-8.15B	-14.24B	-13.46B
Other Operating Activities	1.82B	1.26B	1.25B	986M	896M
Cash from Operations	20.42B	12.34B	-6.63B	-10.52B	-11.07B
Capital Expenditure	-361M	-226M	-239M	-236M	-201M
Sale of Property, Plant, and Equipment	190M	445M	96.55M	123M	120M
Cash Acquisitions	-	-	-	-	-
Divestitures	-	-	-	-	-
Purchase / Sale of Intangible Assets	-288M	-276M	-195M	-296M	-346M
Sale (Purchase) of Real Estate Properties (Collected)	-33.59M	-	-	-	-
Investment in Marketable and Equity Securities, Total	46.79M	59.17M	209M	27.31M	101M
Other Investing Activities, Total	684M	418M	63.68M	220M	80.94M
Cash from Investing	238M	420M	-64.8M	-163M	-246M
Long-Term Debt Issued, Total	300M	1.75B	-	1B	500M
Total Debt Issued	300M	1.75B	-	1B	500M
Long-Term Debt Repaid, Total	-425M	-443M	-750M	-900M	-
Total Debt Repaid	-425M	-443M	-750M	-900M	-
Issuance of Common Stock	117M	68.31M	102M	59.82M	35.42M
Repurchase of Common Stock	-146M	-64.38M	-86.46M	-276M	-114M
Common Dividends Paid	-113M	-	-281M	-274M	-591M
Common & Preferred Stock Dividends Paid	-113M	-	-281M	-274M	-591M
Other Financing Activities, Total	-195M	-215M	-221M	-227M	-213M
Cash from Financing	-460M	1.1B	-1.24B	-617M	-382M
Foreign Exchange Rate Adjustments	-183M	175M	-23.2M	28.78M	95.93M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	20.02B	14.03B	-7.95B	-11.27B	-11.6B
Supplemental Items
Cash Interest Paid	980M	-	-	-	-
Cash Income Tax Paid (Refund)	35.1M	-74.3M	67.52M	409M	376M
Net Debt Issued / Repaid	-125M	1.31B	-750M	100M	500M

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	0	0.22	0.35	0.55	0.77
Return On Equity %	0.02	4.23	6.63	9.89	12.65
Return on Common Equity	-0.56	3.38	5.72	9.05	11.99
Shareholders Value Added	-1.08B	-576M	-452M	-8.66M	351M
Margin Analysis
SG&A Margin	79.01	70.83	64.2	57.62	51.68
Net Interest Income / Total Revenues %	92.91	84.31	88.16	94.91	88.04
EBT Excl. Non-Recurring Items Margin %	10.34	26.13	31.4	39.72	44.47
Income From Continuing Operations Margin %	0.08	13.25	20.16	26.75	32.02
Net Income Margin %	0.05	13.05	19.91	26.72	31.99
Net Avail. For Common Margin %	-1.95	10.57	17.35	24.41	30.27
Normalized Net Income Margin	6.43	16.12	19.37	24.8	27.76
Asset quality
Nonperforming Loans / Total Loans %	3.33	3.41	3.27	3.36	2.81
Nonperforming Loans / Total Assets %	2.26	2.26	2.17	2.33	1.92
Nonperforming Assets / Total Assets %	2.54	2.49	2.37	2.51	2.07
NPAs / Loans and OREO	3.73	3.74	3.57	3.62	3.03
NPAs / Equity	47.85	48.25	45.13	42.59	33.07
Allowance for Credit Losses / Nonperforming Loans %	57.92	57.95	55.31	58.46	61.97
Allowance for Credit Losses / Total Loans %	1.93	1.98	1.81	1.97	1.74
Earning Assets / IBL	102.98	102.8	103.05	103.51	103.89
Interest Income / Average Assets	1.9	1.69	1.94	3.54	4.01
Interest Expense / Average Assets	0.41	0.29	0.46	1.61	1.94
Net Interest Income / Average Assets	1.49	1.4	1.48	1.93	2.08
Non Interest Income / Average Assets	0.56	0.52	0.53	0.43	0.52
Non Interest Expense / Average Asset	1.44	1.22	1.15	1.23	1.31
Capital And Funding
Total Average Common Equity / Total Average Assets %	5.51	5.21	5.2	5.53	6.08
Total Average Equity / Total Average Assets %	5.54	5.23	5.21	5.54	6.09
Total Equity + Allowance for Loan Losses / Total Loans %	9.71	9.74	9.72	10.47	10.92
Gross Loans / Total Deposits %	86.32	82.27	85.64	94.59	94.17
Net Loans / Total Deposits %	84.56	80.57	84	92.59	92.39
Tier 1 Capital Ratio %	14	15.47	14.75	15.42	15.19
Total Capital Ratio %	16.1	17.98	17.08	17.76	17.6
Core Tier 1 Capital Ratio	12.6	12.5	12.67	13.19	13.02
Tier 2 Capital Ratio	2.1	2.51	2.33	2.33	2.42
Coverage Ratio	57.92	57.95	55.31	58.46	61.97
Interbank Ratio	70.21	69.66	41.33	50.55	86.17
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	0.87	1.86	2.04	1.48	1.54
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-6.25	0.78	10.93	24.47	6.26
Non Interest Income, 1 Yr. Growth %	3.69	-0.2	6.68	-23.52	19.48
Provision For Loan Losses, 1 Yr. Growth %	67.98	-37.43	33.35	-4.63	-27.43
Total Revenues, 1 Yr. Growth %	-13.94	11.06	6.09	14.8	14.55
Earnings From Cont. Operations, 1 Yr. Growth %	-99.61	17.8K	61.38	48.16	37.12
Net Income, 1 Yr. Growth %	-99.74	26.39K	61.94	49.79	37.13
Normalized Net Income, 1 Yr. Growth %	-64.76	254.36	27.48	44.67	28.25
Diluted EPS Before Extra, 1 Yr. Growth %	-110.17	-702.82	69.03	61.77	42.04
Dividend Per Share, 1 Yr. Growth %	-	-	33.33	50	240.67
Gross Loans, 1 Yr. Growth %	-3.34	4.69	-0.2	-2.39	3.96
Allowance For Loan Losses, 1 Yr. Growth %	5.05	7.16	-8.53	5.92	-11.07
Net Loans, 1 Yr. Growth %	-3.47	4.66	-0.05	-2.58	4.28
Non Performing Loans, 1 Yr. Growth %	-10.18	7.11	-4.17	0.21	-16.03
Non Performing Assets, 1 Yr. Growth %	-9.37	4.91	-4.83	-0.96	-15.9
Total Assets, 1 Yr. Growth %	5.37	6.86	-0.23	-6.4	1.88
Total Deposits, 1 Yr Growth %	9.62	9.85	-4.13	-11.62	0.83
Tangible Book Value, 1 Yr. Growth %	-4.99	5.76	3.04	7.52	9.56
Average Interest Earning Assets, 1 Yr. Growth %	1.86	8.08	5.39	-4.8	-1.29
Average Interest Bearing Liabilities, 1 Yr. Growth %	1.94	8.27	5.12	-5.27	-1.66
Common Equity, 1 Yr. Growth %	-3.76	4.44	1.69	6.08	8.33
Total Equity, 1 Yr. Growth %	-3.72	4.04	1.76	6.06	8.31
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-3.92	-2.8	5.74	17.51	15.01
Non Interest Income, 2 Yr. CAGR %	-3.51	1.72	3.18	-8.65	-4.4
Provision For Loan Losses, 2 Yr. CAGR %	10.73	2.52	-8.66	12.77	-16.81
Total Revenues, 2 Yr. CAGR %	-6.93	-2.24	8.55	10.75	14.67
Earnings From Cont. Operations, 2 Yr. CAGR %	-90.52	-16.73	1.6K	57.34	42.53
Net Income, 2 Yr. CAGR %	-92.19	-16.9	1.97K	58.51	43.32
Normalized Net Income, 2 Yr. CAGR %	-28.9	-0.97	112.54	37.36	36.21
Diluted EPS Before Extra, 2 Yr. CAGR %	-49.36	-21.69	219.21	71.15	51.59
Dividend Per Share, 2 Yr. CAGR %	-	-13.4	-	41.42	126.05
Gross Loans, 2 Yr. CAGR %	1.75	0.6	2.22	-1.3	-1.01
Allowance For Loan Losses, 2 Yr. CAGR %	-5.26	6.1	-1	-1.57	-2.9
Net Loans, 2 Yr. CAGR %	1.86	0.51	2.28	-1.32	-0.99
Non Performing Loans, 2 Yr. CAGR %	-9.34	-1.92	1.31	-2	-8.27
Non Performing Assets, 2 Yr. CAGR %	-24.35	-2.49	-0.08	-2.92	-8.74
Total Assets, 2 Yr. CAGR %	2.98	6.11	3.26	-3.39	-2.34
Total Deposits, 2 Yr CAGR %	5.03	9.74	2.62	-7.95	-5.6
Tangible Book Value, 2 Yr. CAGR %	1.2	0.24	4.39	4.57	8.54
Average Interest Earning Assets, 2 Yr. CAGR %	2.12	4.92	6.72	0.14	-3.06
Average Interest Bearing Liabilities, 2 Yr. CAGR %	2.41	5.05	6.68	-0.21	-3.48
Common Equity, 2 Yr. CAGR %	1.51	0.26	3.05	3.31	7.2
Total Equity, 2 Yr. CAGR %	1.53	0.08	2.89	3.34	7.18
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-3.72	-2.38	1.58	11.64	13.63
Non Interest Income, 3 Yr. CAGR %	-16.14	-2.42	3.35	-5.92	-0.1
Provision For Loan Losses, 3 Yr. CAGR %	-4.57	-8.46	11.91	-7.34	-2.64
Total Revenues, 3 Yr. CAGR %	-8.67	-1.28	0.46	10.85	12
Earnings From Cont. Operations, 3 Yr. CAGR %	-84.48	17.13	3.82	662.35	50.29
Net Income, 3 Yr. CAGR %	-86.43	17.35	3.8	773.04	51.03
Normalized Net Income, 3 Yr. CAGR %	-31.08	12.06	7.73	88.39	34.25
Diluted EPS Before Extra, 3 Yr. CAGR %	-54.96	15.63	1.2	160.4	60.84
Dividend Per Share, 3 Yr. CAGR %	-	0	0	-	89.58
Gross Loans, 3 Yr. CAGR %	1.41	2.72	0.33	0.66	-0.74
Allowance For Loan Losses, 3 Yr. CAGR %	-6.14	-1.29	0.98	1.26	-4.82
Net Loans, 3 Yr. CAGR %	1.62	2.78	0.33	0.63	-0.68
Non Performing Loans, 3 Yr. CAGR %	-12.23	-4.16	-2.67	0.95	-6.92
Non Performing Assets, 3 Yr. CAGR %	-16.29	-15.64	-3.28	-0.37	-7.45
Total Assets, 3 Yr. CAGR %	2.13	4.26	3.96	-0.08	-1.66
Total Deposits, 3 Yr CAGR %	4.84	6.61	4.91	-2.36	-5.11
Tangible Book Value, 3 Yr. CAGR %	-3.45	2.7	1.17	4.97	6.21
Average Interest Earning Assets, 3 Yr. CAGR %	1.91	4.07	5.08	2.72	-0.34
Average Interest Bearing Liabilities, 3 Yr. CAGR %	2.2	4.32	5.08	2.54	-0.69
Common Equity, 3 Yr. CAGR %	-1.91	2.48	0.73	3.69	4.96
Total Equity, 3 Yr. CAGR %	-1.88	2.36	0.64	3.57	4.97
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	1.18	-2.29	-0.04	5.14	6.75
Non Interest Income, 5 Yr. CAGR %	-7.67	0.56	-8.89	-4.96	0.63
Provision For Loan Losses, 5 Yr. CAGR %	-6.14	7.59	-6.23	-0.49	-0.61
Total Revenues, 5 Yr. CAGR %	-0.28	-2.64	-2.14	3.37	6.07
Earnings From Cont. Operations, 5 Yr. CAGR %	-66.49	-5.53	1.55	31.81	18.67
Net Income, 5 Yr. CAGR %	-69.08	-5.68	1.39	32.35	18.93
Normalized Net Income, 5 Yr. CAGR %	-12.03	-1.78	3.04	21.56	18.87
Diluted EPS Before Extra, 5 Yr. CAGR %	-38.07	-9.97	-1.42	35.27	20.6
Dividend Per Share, 5 Yr. CAGR %	-	-9.71	-10.59	14.87	38.57
Gross Loans, 5 Yr. CAGR %	0.19	1.55	1.73	1.1	-0.21
Allowance For Loan Losses, 5 Yr. CAGR %	-14.16	-7.67	-4.12	-1.4	-0.59
Net Loans, 5 Yr. CAGR %	0.68	1.83	1.88	1.12	-0.2
Non Performing Loans, 5 Yr. CAGR %	-15.67	-9.99	-7.04	-3.3	-4.95
Non Performing Assets, 5 Yr. CAGR %	-16.69	-11.68	-10.15	-10.76	-5.5
Total Assets, 5 Yr. CAGR %	2.48	3.46	2.58	1.13	1.38
Total Deposits, 5 Yr CAGR %	4.75	6.52	3.95	0.53	0.57
Tangible Book Value, 5 Yr. CAGR %	-1.6	-0.95	-0.39	3.44	3.78
Average Interest Earning Assets, 5 Yr. CAGR %	4.11	3.51	3.81	2.48	1.73
Average Interest Bearing Liabilities, 5 Yr. CAGR %	4.27	3.77	3.97	2.49	1.57
Common Equity, 5 Yr. CAGR %	-0.49	-0.1	0.04	2.81	3.05
Total Equity, 5 Yr. CAGR %	-0.44	-0.13	0	2.75	2.99