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Banco de Sabadell
Banco de Sabadell (SAB) investor relations material
Banco de Sabadell Q4 2025 (Media) earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 (Media) earnings summary6 Feb, 2026
Executive summary
Group net profit reached €1.78bn for 2025, with ROTE at 14.3% and CET1 FL at 13.1%.
Achieved mid-single digit growth in performing loans (+5.4% YoY) and customer funds (+6.4% YoY), with strong asset quality improvements.
€1.5bn total shareholder remuneration, including €700M cash dividend and €800M share buyback, with ECB approval.
Sale of TSB to Banco Santander approved, with closing expected in Q2 2026, impacting segment reporting and financials.
Efficiency ratio at 49.3%.
Financial highlights
Net interest income (NII) ex-TSB at €3.6bn, down 6.6% YoY; group NII at €4.84bn, down 3.7% YoY.
Fees grew 3.6% YoY, with asset management and insurance fees up 15% YoY.
Total costs ex-TSB up 2.5% YoY, with group total costs at €3,100 million (+0.5%).
Net profit ex-TSB at €1.46bn (-7.4% YoY); group net profit at €1.78bn (-2.8% YoY).
Credit cost of risk improved to 21bps, total cost of risk at 31bps.
Outlook and guidance
2026 guidance: NII ex-TSB to grow >1%, fees to grow mid-single digit, costs to rise ~3%, CoR to remain ~40bps, ROTE target 14.5%.
2027 targets confirmed: NII ~€3.9bn, ROTE 16%, total shareholder remuneration €2.5bn (2026-27e).
Management expects continued resilience in core markets, with focus on asset quality and capital strength.
NII expected to accelerate from 2H26, with loan volumes and customer funds continuing to grow.
Macroeconomic forecasts indicate moderate growth in Spain and the US, with inflation stabilizing.
TSB sale: How does reporting differ?
Paycomet reclass: How affects cost trends?
NII drivers: Credit yields, funding costs, TSB?
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All proposals passed, with no questions raised and results to be filed on Form 8-K.
Next Banco de Sabadell earnings date
Q1 20267 May, 2026
Banco de Sabadell
Next Banco de Sabadell earnings date
Q1 20267 May, 2026
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Frequently asked questions
Banco de Sabadell, S.A. provides banking products and services to personal, business, and private customers. The company offers mortgage loans for house purchase, renovation and acquisition; online savings accounts; current accounts; checking accounts; cash management accounts; fixed-term and variable-term investments, including time deposits, money market funds, and unit linked plans to its corporate customers; non-centralized group auditing services; records of movable assets by type of asset, such as vehicles or furniture; payment cards; forex services; electronic collection services; processing of payments with credit card and debit cards from Banco de Sabadell – Diners Club International Bank or other third parties using the Diners network for interchange with banks connected to the Diners network in over fifty countries worldwide in support of cardholders of first and second degree that issue payment cards included in the Diners network at retail points belonging to hotels belonging to the hotel network Internacional Hoteleros (IHG). Banco de Sabadell, S.A. is headquartered in Alicante, Spain.
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