Banco de Sabadell, S.A. Due Diligence

Run due diligence on Banco de Sabadell, S.A.: check compliance and get alerts when suppliers or ownership change.

Spain · owned by Independent (Spain) · www.bancsabadell.com · 21 vendors

Banco de Sabadell, S.A. (known in Catalan as Banc Sabadell) is one of Spain's leading banking groups, offering retail banking, corporate banking, and financial services to individuals and businesses. Founded in Sabadell, Catalonia, it has grown into an international bank with a significant presence in Spain, the United Kingdom (through TSB Bank), and other markets. It provides a wide range of products including loans, mortgages, deposits, insurance, and investment services.

Resilience scores

Technology vendors

Insights

Last updated 2026-08-03 · revision 8

21 direct vendors, 243 subvendors

Direct vendors by controlling owner country (sample)

Subvendors by controlling owner country (sample)

Compliance

15 in-scope frameworks identified; showing 3.

DORA (source) — No public evidence

Evidence: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32022R2554, https://www.eba.europa.eu/regulation-and-policy/operational-resilience/digital-operational-resilience-act-dora, https://www.ecb.europa.eu/banking/supervision/html/index.en.html, https://www.bde.es/bde/en/

CSRD (source) — No public evidence

Evidence: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32022L2464, https://www.efrag.org/en/projects/esrs-set-1-european-sustainability-reporting-standards, https://www.grupbancsabadell.com/corp/en/shareholders-and-investors/annual-report.html

PSD2 — Evidence found

Evidence: https://www.eba.europa.eu/regulation-and-policy/payment-services-and-electronic-money/regulatory-technical-standards-on-strong-customer-authentication-and-secure-communication-under-psd2, https://www.bde.es/bde/en/, https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32015L2366

Financials

Three-year financials

Financial Resilience Score: 8/10

Banco Sabadell demonstrates strong financial resilience following a robust recovery from 2022 to 2024. Net attributable profit more than doubled from €859M in 2022 to €1.83B in 2024, driven primarily by higher ECB and BoE rates lifting net interest income across both the Spanish parent and TSB in the UK. Return on tangible equity improved substantially from 7.8% in 2022 to 14.9% in 2024, while the cost/income ratio improved from ~55% to ~50%. Capital position remains solid, with fully-loaded CET1 above the group's 13% target throughout the period (13.02% at end-2024), and liquidity metrics (LCR >190%, NSFR >135%) well above regulatory requirements. Asset quality has improved, with the NPL ratio declining from >3.4% in 2022 to ~2.8% in 2024, and cost of risk around 40-45 bp. The bank has an ample customer deposit base of ~€165 bn and is #4 in Spanish banking by loans, with a strong SME franchise. However, resilience is tempered by significant idiosyncratic risks: the hostile BBVA takeover bid launched in May 2024 creates strategic uncertainty, the announced sale of TSB to Santander UK will reshape the group perimeter, and the rate-cycle tailwinds that drove recent profitability are expected to moderate as central banks cut rates. Geographic concentration in Spain (~75-80% of pre-tax profit) and SME cyclicality add further vulnerability.

Key strengths: CET1 fully-loaded ratio above 13% target (13.02% end-2024), Net profit doubled from €859M (2022) to €1.83B (2024), RoTE improved from 7.8% to 14.9% over three years, Strong liquidity: LCR >190%, NSFR >135%, NPL ratio improved from >3.4% to ~2.8%, Diversified franchise with #4 position in Spanish banking, Ample customer deposit base ~€165 bn, Cost/income ratio improved to ~50%

Risk factors: Rate-cycle reversal reducing NII tailwinds as ECB/BoE cut rates, BBVA hostile takeover bid creating strategic and ownership uncertainty, Announced sale of TSB to Santander UK reshaping group perimeter, Geographic concentration with 75-80% of pre-tax profit from Spain, SME loan book more cyclical than mortgage-heavy peers, UK macro exposure through TSB (mortgage-heavy, thin margins), Ongoing floor-clause and mortgage-related litigation in Spain, Spanish government imposed conditions restricting BBVA integration

Revenue by geography

Revenue by product/service

Workforce by country

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