Real-time Estimate
Tradegate
09:25:41 2024-05-17 EDT
|
5-day change
|
1st Jan Change
|
1.898
EUR
|
+2.18%
|
|
+1.44%
|
+70.44%
|
Banco de Sabadell S A : Dades financeres 2023 1T (Versió en castellà)
April 27, 2023 at 03:38 am
Index
1
|
Idioma / Language
|
Index
|
ESPAÑOL
|
Group Index
|
ENGLISH
|
TSB (GBP) Index
|
Business Units Index
|
Group
Group Index
|
o Main figures
|
o Accumulated quarterly results
|
o Quarterly results
|
o Balance sheet
|
o Margin
|
o Fees & comissions
|
o Expenses
|
o Loans
|
o FuM
|
o Equity
|
o NPA exposure and coverage
|
o Stages
|
o NPA details
|
o Debt maturities for the next 12 months
|
o Capital ratios
|
o Share
|
o MARs
| /xl/drawings/drawing2.xml#Index!A1
Main Figures
Main Figures
|
Excl. TSB
|
Total group
|
31.03.22
|
31.03.23
|
YoY (%)
|
31.03.22
|
31.03.23
|
YoY (%)
|
o Equity
|
Profit and loss account (€ million)
|
o NPA exposure and coverage
|
Net interest income
|
587
|
797
|
35.8
|
858
|
1,100
|
28.3
|
o NPA detail ex-TSB
|
Core revenues
|
916
|
1,119
|
22.3
|
1,217
|
1,450
|
19.2
|
o Capital ratios
|
Gross operating income
|
991
|
983
|
-0.8
|
1,285
|
1,311
|
2.0
|
o Liquidity
|
Pre-provisions income
|
497
|
479
|
-3.7
|
560
|
581
|
3.8
|
o Share
|
Attributable net profit
|
194
|
151
|
-21.9
|
213
|
205
|
-4.0
|
Balance sheet (€ million)
|
Total assets
|
200,441
|
196,699
|
-1.9
|
253,256
|
248,480
|
-1.9
|
Performing gross loans
|
110,448
|
110,643
|
0.2
|
154,742
|
152,637
|
-1.4
|
Gross loans to customers
|
115,537
|
115,818
|
0.2
|
160,539
|
158,454
|
-1.3
|
On-balance sheet customer funds
|
119,118
|
121,690
|
2.2
|
161,316
|
162,307
|
0.6
|
Off-balance sheet customer funds
|
40,624
|
ERROR:#REF!
|
39,513
|
-2.7
|
40,624
|
39,513
|
-2.7
|
Total customer funds
|
159,741
|
ERROR:#REF!
|
161,203
|
0.9
|
201,940
|
0
|
201,820
|
-0.1
|
Net equity
|
--
|
--
|
12,940
|
13,145
|
1.6
|
Shareholders' equity
|
--
|
--
|
13,375
|
13,657
|
2.1
|
Profitability and efficiency ratios (%)
|
ROA
|
--
|
--
|
0.30
|
0.45
|
RORWA
|
--
|
--
|
0.88
|
1.44
|
ROE
|
--
|
--
|
5.27
|
8.12
|
ROTE
|
--
|
--
|
6.53
|
9.90
|
ROTE ex banking tax
|
6.53
|
11.40
|
Efficiency
|
42.71
|
39.11
|
47.98
|
43.50
|
Efficiency with amortisation & depreciation
|
52.77
|
48.73
|
59.03
|
53.59
|
Risk management
|
Stage 3 exposures (€ million)
|
5,585
|
5,314
|
-4.8
|
6,210
|
5,891
|
-5.1
|
Total problematic assets (€ million)
|
6,884
|
6,431
|
-6.6
|
7,508
|
7,008
|
-6.7
|
Stage 3 ratio (%)
|
4.48
|
4.27
|
3.66
|
3.52
|
Stage 3 coverage ratio (%)
|
44.6
|
42.3
|
41.2
|
39.5
|
Stage 3 coverage ratio with total provisions (%)
|
57.6
|
56.1
|
55.7
|
54.6
|
Problematic assets coverage (%)
|
53.9
|
53.0
|
52.6
|
52.0
|
Liquidity management (%)
|
Loan-to-deposits ratio
|
93.4
|
91.9
|
96.6
|
95.0
|
LCR
|
267
|
250
|
235
|
220
|
NSFR
|
--
|
--
|
141
|
141
|
Capital management
|
Risk weighted assets (RWA) (€ million)
|
--
|
--
|
80,303
|
77,659
|
-3.3
|
Common Equity Tier 1 (%)
|
--
|
--
|
12.59
|
12.78
|
Common Equity Tier 1 fully-loaded (%)
|
--
|
--
|
12.45
|
12.78
|
Tier 1 (%)
|
--
|
--
|
14.64
|
15.04
|
Total capital ratio (%)
|
--
|
--
|
17.13
|
18.09
|
MREL (% RWA)
|
--
|
--
|
25.33
|
27.57
|
MREL (% LRE)
|
--
|
--
|
9.50
|
8.65
|
Leverage ratio (%)
|
--
|
--
|
5.49
|
4.72
|
Share data (period end)
|
Number of shareholders
|
--
|
--
|
224,715
|
222,228
|
Total number of shares (million)
|
--
|
--
|
5,627
|
5,627
|
Share price (€ )
|
--
|
--
|
0.746
|
0.989
|
Market capitalisation (€ million)
|
--
|
--
|
4,170
|
5,533
|
Earnings per share (EPS) (€ )
|
--
|
--
|
0.10
|
0.18
|
Book value per share (€ )
|
--
|
--
|
2.38
|
2.45
|
TBV per share (€ )
|
--
|
--
|
1.93
|
2.01
|
Price / Tangible book value (times)
|
--
|
--
|
0.39
|
0.49
|
Price / Earnings ratio (P/E) (times)
|
--
|
--
|
7.35
|
5.56
|
Other data
|
Branches
|
1,304
|
1,237
|
1,594
|
1,457
|
Employees
|
13,283
|
13,495
|
18,985
|
19,151
| /xl/drawings/drawing3.xml#Group!A1
Accumulated quarterly results
Accumulated quarterly results
|
Excl. TSB
|
TSB
|
Total group
|
YoY (%)
|
YoY (%)
|
(€ million)
|
1Q22
|
1Q23
|
YoY (%)
|
1Q22
|
1Q23
|
YoY (%)
|
at constant FX
|
1Q22
|
1Q23
|
YoY (%)
|
at constant FX
|
Net interest income
|
587
|
797
|
35.8
|
271
|
303
|
12.0
|
18.2
|
858
|
1,100
|
28.3
|
29.6
|
Net fees and commissions
|
328
|
322
|
-1.9
|
30
|
28
|
-7.8
|
-2.7
|
359
|
350
|
-2.4
|
-2.1
|
Core revenues
|
916
|
1,119
|
22.3
|
301
|
331
|
10.0
|
16.1
|
1,217
|
1,450
|
19.2
|
20.2
|
Net trading income and exchange differences
|
28
|
-6
|
--
|
5
|
7
|
37.7
|
45.4
|
33
|
1
|
-96.4
|
-96.2
|
Income from equity method and dividends
|
59
|
31
|
-46.5
|
0
|
0
|
--
|
--
|
59
|
31
|
-46.5
|
-46.5
|
Other operating income/expense
|
-11
|
-161
|
--
|
-12
|
-11
|
-11.1
|
-6.1
|
-23
|
-172
|
--
|
--
|
Gross operating income
|
991
|
983
|
-0.8
|
294
|
328
|
11.4
|
17.6
|
1,285
|
1,311
|
2.0
|
2.9
|
Operating expenses
|
-399
|
-405
|
1.4
|
-191
|
-188
|
-1.3
|
4.2
|
-590
|
-593
|
0.5
|
1.8
|
Personnel expenses
|
-261
|
-264
|
1.2
|
-89
|
-86
|
-2.9
|
2.5
|
-350
|
-350
|
0.2
|
1.1
|
Other general expenses
|
-139
|
-141
|
1.7
|
-102
|
-102
|
0.1
|
5.7
|
-240
|
-243
|
1.0
|
2.9
|
Amortisation & depreciation
|
-94
|
-100
|
5.9
|
-42
|
-38
|
-9.0
|
-4.0
|
-136
|
-138
|
1.3
|
2.6
|
Total costs
|
-493
|
-504
|
2.2
|
-232
|
-226
|
-2.7
|
2.7
|
-726
|
-730
|
0.7
|
2.0
|
Pre-provisions income
|
497
|
479
|
-3.7
|
62
|
102
|
63.9
|
73.1
|
560
|
581
|
3.8
|
4.0
|
Provisions for NPLs
|
-184
|
-200
|
8.6
|
-11
|
-17
|
45.8
|
54.0
|
-195
|
-217
|
10.7
|
11.4
|
Provisions for other financial assets
|
-11
|
-11
|
0.9
|
0
|
-2
|
--
|
--
|
-11
|
-14
|
22.0
|
22.0
|
Other impairments
|
-20
|
-6
|
-71.8
|
0
|
0
|
--
|
--
|
-20
|
-6
|
-71.8
|
-71.8
|
Gains on sale of assets and other results
|
-13
|
-3
|
-78.6
|
-0
|
-0
|
--
|
--
|
-13
|
-3
|
-79.2
|
-79.8
|
Profit before tax
|
269
|
259
|
-3.6
|
50
|
83
|
64.4
|
73.6
|
320
|
342
|
7.1
|
7.2
|
Income tax
|
-62
|
-108
|
74.2
|
-31
|
-29
|
-5.4
|
-0.1
|
-93
|
-137
|
47.7
|
49.4
|
Minority interest
|
13
|
-0
|
-100.0
|
0
|
0
|
--
|
--
|
13
|
-0
|
-100.0
|
-100.0
|
Attributable net profit
|
194
|
151
|
-21.9
|
19
|
53
|
176.7
|
192.1
|
213
|
205
|
-4.0
|
-4.3
|
Memorandum item:
|
Core results (NII + net fees and commissions - costs)
|
422
|
615
|
45.7
|
69
|
0
|
105
|
52.8
|
61.3
|
491
|
720
|
46.7
|
46.9
| /xl/drawings/drawing4.xml#Group!A1
Quarterly results
Quarterly results
|
Excl. TSB
|
TSB
|
Total group
|
QoQ (%)
|
QoQ (%)
|
(€ million)
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
QoQ (%)
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
QoQ (%)
|
at constant FX
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
QoQ (%)
|
at constant FX
|
Net interest income
|
587
|
619
|
669
|
773
|
797
|
3.1
|
271
|
280
|
296
|
304
|
303
|
-0.2
|
1.3
|
858
|
899
|
965
|
1,077
|
1,100
|
2.2
|
1.9
|
Net fees and commissions
|
328
|
337
|
349
|
342
|
322
|
-5.7
|
30
|
34
|
39
|
31
|
28
|
-8.5
|
-7.5
|
ERROR:#REF!
|
359
|
371
|
388
|
372
|
350
|
-5.9
|
-6.5
|
Core revenues
|
916
|
956
|
1,018
|
1,115
|
1,119
|
0.4
|
301
|
314
|
335
|
334
|
331
|
-1.0
|
0.5
|
ERROR:#REF!
|
1,217
|
1,269
|
1,354
|
1,449
|
1,450
|
0.1
|
-0.3
|
Net trading income and exchange differences
|
28
|
53
|
22
|
-4
|
-6
|
55.5
|
5
|
-3
|
8
|
-5
|
7
|
--
|
--
|
ERROR:#REF!
|
33
|
50
|
30
|
-9
|
1
|
--
|
--
|
Income from equity method and dividends
|
59
|
26
|
28
|
12
|
31
|
162.8
|
0
|
0
|
0
|
0
|
0
|
--
|
--
|
ERROR:#REF!
|
59
|
26
|
28
|
12
|
31
|
162.8
|
162.8
|
Other operating income/expense
|
-11
|
-115
|
-3
|
-113
|
-161
|
42.0
|
-12
|
-9
|
-9
|
-65
|
-11
|
-83.5
|
-82.9
|
ERROR:#REF!
|
-23
|
-124
|
-12
|
-178
|
-172
|
-3.7
|
-2.8
|
Gross operating income
|
991
|
919
|
1,066
|
1,009
|
983
|
-2.6
|
294
|
302
|
334
|
264
|
328
|
24.2
|
25.5
|
ERROR:#REF!
|
1,285
|
1,222
|
1,400
|
1,273
|
1,311
|
3.0
|
2.3
|
Operating expenses
|
-399
|
-390
|
-396
|
-400
|
-405
|
1.2
|
-191
|
-188
|
-190
|
-184
|
-188
|
2.2
|
3.6
|
ERROR:#REF!
|
-590
|
-577
|
-586
|
-584
|
-593
|
1.5
|
1.2
|
Personnel expenses
|
-261
|
-258
|
-259
|
-258
|
-264
|
2.5
|
-89
|
-87
|
-89
|
-91
|
-86
|
-5.7
|
-4.3
|
ERROR:#REF!
|
-350
|
-345
|
-348
|
-349
|
-350
|
0.3
|
-0.2
|
Other general expenses
|
-139
|
-132
|
-137
|
-142
|
-141
|
-1.1
|
-102
|
-101
|
-101
|
-93
|
-102
|
10.0
|
11.3
|
ERROR:#REF!
|
-240
|
-232
|
-238
|
-235
|
-243
|
3.3
|
3.3
|
Amortisation & depreciation
|
-94
|
-96
|
-99
|
-99
|
-100
|
0.1
|
-42
|
-41
|
-37
|
-37
|
-38
|
3.4
|
4.7
|
ERROR:#REF!
|
-136
|
-137
|
-137
|
-136
|
-138
|
1.0
|
1.0
|
Total costs
|
-493
|
-485
|
-495
|
-499
|
-504
|
1.0
|
-232
|
-229
|
-228
|
-221
|
-226
|
2.4
|
3.8
|
ERROR:#REF!
|
-726
|
-714
|
-723
|
-720
|
-730
|
1.4
|
1.2
|
Pre-provisions income
|
497
|
434
|
571
|
510
|
479
|
-6.1
|
62
|
74
|
107
|
43
|
102
|
135.6
|
134.9
|
ERROR:#REF!
|
560
|
508
|
677
|
553
|
581
|
5.0
|
3.9
|
Provisions for NPLs
|
-184
|
-175
|
-159
|
-243
|
-200
|
-18.0
|
-11
|
-10
|
-21
|
-22
|
-17
|
-23.2
|
-21.6
|
ERROR:#REF!
|
-195
|
-184
|
-180
|
-265
|
-217
|
-18.4
|
-18.1
|
Provisions for other financial assets
|
-11
|
-18
|
-18
|
-25
|
-11
|
-54.8
|
0
|
-11
|
-20
|
-9
|
-2
|
-72.3
|
-72.0
|
ERROR:#REF!
|
-11
|
-28
|
-38
|
-34
|
-14
|
-59.3
|
-59.1
|
Other impairments
|
-20
|
-36
|
-16
|
-24
|
-6
|
-76.7
|
0
|
0
|
0
|
0
|
0
|
--
|
--
|
ERROR:#REF!
|
-20
|
-36
|
-16
|
-24
|
-6
|
-76.7
|
-76.7
|
Gains on sale of assets and other results
|
-13
|
-6
|
3
|
-7
|
-3
|
-63.2
|
-0
|
0
|
-0
|
1
|
-0
|
-100.0
|
-100.0
|
ERROR:#REF!
|
-13
|
-6
|
3
|
-7
|
-3
|
-58.1
|
-60.7
|
Profit before tax
|
269
|
199
|
382
|
210
|
259
|
23.8
|
50
|
53
|
65
|
14
|
83
|
--
|
--
|
ERROR:#REF!
|
320
|
253
|
447
|
223
|
342
|
53.2
|
48.8
|
Income tax
|
-62
|
-54
|
-104
|
-58
|
-108
|
87.1
|
-31
|
-19
|
-26
|
-20
|
-29
|
49.6
|
50.9
|
ERROR:#REF!
|
-93
|
-73
|
-130
|
-77
|
-137
|
77.6
|
74.6
|
Minority interest
|
13
|
1
|
0
|
-3
|
-0
|
-100.0
|
0
|
0
|
0
|
0
|
0
|
--
|
--
|
ERROR:#REF!
|
13
|
1
|
0
|
-3
|
-0
|
-100.0
|
-100.0
|
Attributable net profit
|
194
|
144
|
278
|
155
|
151
|
-2.4
|
19
|
35
|
39
|
-6
|
53
|
--
|
--
|
ERROR:#REF!
|
213
|
179
|
317
|
149
|
205
|
37.2
|
32.6
|
Memorandum item:
|
Core results (NII + net fees and commissions - costs)
|
422
|
470
|
523
|
615
|
615
|
-0.1
|
69
|
85
|
108
|
114
|
105
|
-7.5
|
-5.8
|
491
|
555
|
631
|
729
|
720
|
-1.2
|
-1.7
| /xl/drawings/drawing5.xml#Group!A1
Margin
Gains and charges in the quarter Total Group
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
(€ million)
|
Avge. balance
|
Rate %
|
Results
|
Avge. balance
|
Rate %
|
Results
|
Avge. balance
|
Rate %
|
Results
|
Avge. balance
|
Rate %
|
Results
|
Avge. balance
|
Rate %
|
Results
|
Cash and cash equivalents (1)
|
55,536
|
-0.22
|
-29
|
54,056
|
-0.13
|
-18
|
54,979
|
0.39
|
54
|
49,632
|
1.62
|
202
|
44,352
|
2.75
|
301
|
Loans to customers (net)
|
155,878
|
2.29
|
879
|
157,837
|
2.34
|
919
|
159,007
|
2.54
|
1,018
|
158,716
|
2.88
|
1,150
|
155,284
|
3.29
|
1,258
|
Fixed-income securities
|
23,117
|
0.59
|
33
|
25,315
|
0.85
|
54
|
27,926
|
1.14
|
81
|
28,483
|
1.70
|
122
|
28,818
|
2.28
|
162
|
Equity securities
|
844
|
--
|
--
|
921
|
--
|
--
|
925
|
--
|
--
|
922
|
--
|
--
|
743
|
--
|
--
|
Tang. & intang. assets
|
4,906
|
--
|
--
|
4,842
|
--
|
--
|
4,785
|
--
|
--
|
4,752
|
--
|
--
|
4,659
|
--
|
--
|
Other assets
|
11,974
|
0.44
|
13
|
13,323
|
0.93
|
31
|
14,553
|
1.40
|
51
|
17,405
|
1.93
|
85
|
15,056
|
2.97
|
110
|
Total assets
|
252,255
|
1.44
|
896
|
256,295
|
1.54
|
987
|
262,174
|
1.82
|
1,203
|
259,909
|
2.38
|
1,559
|
248,912
|
2.98
|
1,831
|
Financial institutions (2)
|
47,923
|
0.64
|
76
|
49,144
|
0.53
|
65
|
49,752
|
-0.03
|
-4
|
46,426
|
-1.09
|
-127
|
36,788
|
-2.60
|
-236
|
Customer deposits
|
160,319
|
-0.07
|
-29
|
162,073
|
-0.11
|
-46
|
164,089
|
-0.22
|
-90
|
163,043
|
-0.35
|
-144
|
161,138
|
-0.56
|
-221
|
Capital markets
|
22,171
|
-1.07
|
-59
|
22,108
|
-1.13
|
-62
|
22,332
|
-1.33
|
-75
|
22,602
|
-2.11
|
-120
|
25,074
|
-2.67
|
-165
|
Other liabilities
|
8,800
|
-1.17
|
-25
|
9,954
|
-1.78
|
-44
|
12,698
|
-2.14
|
-69
|
14,438
|
-2.50
|
-91
|
12,870
|
-3.43
|
-109
|
Shareholders' equity
|
13,042
|
--
|
--
|
13,017
|
--
|
--
|
13,304
|
--
|
--
|
13,400
|
--
|
--
|
13,042
|
--
|
--
|
Total funds
|
252,255
|
-0.06
|
-38
|
256,295
|
-0.14
|
-88
|
262,174
|
-0.36
|
-238
|
259,909
|
-0.74
|
-482
|
248,912
|
-1.19
|
-731
|
Net interest income
|
858
|
899
|
965
|
1,077
|
1,100
|
Customer spread
|
2.22
|
2.23
|
2.32
|
2.53
|
2.73
|
Net interest margin as % of ATA
|
1.38
|
1.40
|
1.46
|
1.64
|
1.79
|
Gains and charges in the quarter excl. TSB
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
(€ million)
|
Avge. balance
|
Rate %
|
Results
|
Avge. balance
|
Rate %
|
Results
|
Avge. balance
|
Rate %
|
Results
|
Avge. balance
|
Rate %
|
Results
|
Avge. balance
|
Rate %
|
Results
|
Cash and cash equivalents (1)
|
49,869
|
-0.26
|
-32
|
48,660
|
-0.22
|
-27
|
49,867
|
0.29
|
37
|
43,854
|
1.49
|
165
|
38,630
|
2.63
|
250
|
Loans to customers (net)
|
110,966
|
2.19
|
599
|
113,279
|
2.24
|
633
|
114,829
|
2.47
|
715
|
114,851
|
2.85
|
825
|
112,346
|
3.33
|
922
|
Fixed-income securities
|
20,202
|
0.66
|
33
|
22,575
|
0.90
|
51
|
25,136
|
1.14
|
72
|
25,915
|
1.64
|
107
|
26,435
|
2.23
|
145
|
Other assets
|
18,299
|
0.22
|
10
|
19,044
|
0.29
|
14
|
19,565
|
0.39
|
19
|
21,050
|
0.57
|
30
|
18,988
|
0.73
|
34
|
Total assets
|
199,336
|
1.24
|
610
|
203,557
|
1.32
|
671
|
209,397
|
1.60
|
843
|
205,669
|
2.17
|
1,127
|
196,399
|
2.79
|
1,352
|
Financial institutions (2)
|
41,095
|
0.82
|
83
|
42,336
|
0.76
|
80
|
43,070
|
0.20
|
22
|
39,442
|
-0.78
|
-78
|
30,939
|
-2.38
|
-181
|
Customer deposits
|
118,055
|
-0.08
|
-22
|
120,644
|
-0.12
|
-36
|
123,482
|
-0.23
|
-73
|
122,462
|
-0.32
|
-99
|
120,722
|
-0.53
|
-158
|
Capital markets
|
20,065
|
-1.08
|
-53
|
20,023
|
-1.09
|
-55
|
20,232
|
-1.27
|
-65
|
20,725
|
-2.06
|
-108
|
23,018
|
-2.62
|
-149
|
Other liabilities and shareholders' equity
|
20,121
|
-0.60
|
-30
|
20,555
|
-0.81
|
-41
|
22,614
|
-1.03
|
-59
|
23,040
|
-1.21
|
-70
|
21,720
|
-1.25
|
-67
|
Total funds
|
199,336
|
-0.05
|
-23
|
203,557
|
-0.10
|
-52
|
209,397
|
-0.33
|
-174
|
205,669
|
-0.68
|
-354
|
196,399
|
-1.15
|
-555
|
Net interest income
|
587
|
619
|
669
|
773
|
797
|
Customer spread
|
2.11
|
2.12
|
2.24
|
2.53
|
2.80
|
Net interest margin as % of ATA
|
1.19
|
1.22
|
1.27
|
1.49
|
1.64
|
Gains and charges in the quarter TSB
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
(€ million)
|
Avge. balance
|
Rate %
|
Results
|
Avge. balance
|
Rate %
|
Results
|
Avge. balance
|
Rate %
|
Results
|
Avge. balance
|
Rate %
|
Results
|
Avge. balance
|
Rate %
|
Results
|
Cash and cash equivalents (1)
|
5,667
|
0.42
|
6
|
5,396
|
0.90
|
12
|
5,112
|
1.57
|
20
|
5,778
|
2.81
|
41
|
5,722
|
3.75
|
53
|
Loans to customers (net)
|
44,912
|
2.52
|
279
|
44,558
|
2.58
|
287
|
44,177
|
2.72
|
302
|
43,865
|
2.94
|
325
|
42,938
|
3.18
|
336
|
Fixed-income securities
|
3,810
|
0.74
|
7
|
3,716
|
1.22
|
11
|
3,661
|
1.89
|
17
|
3,524
|
3.13
|
28
|
3,521
|
4.04
|
35
|
Other assets
|
1,719
|
0.78
|
3
|
2,307
|
3.04
|
18
|
2,952
|
4.32
|
32
|
4,267
|
5.05
|
54
|
3,701
|
8.33
|
76
|
Total assets
|
56,108
|
2.13
|
295
|
55,978
|
2.35
|
328
|
55,902
|
2.64
|
372
|
57,434
|
3.10
|
448
|
55,882
|
3.63
|
500
|
Financial institutions (2)
|
6,828
|
-0.63
|
-11
|
6,808
|
-1.10
|
-19
|
6,682
|
-1.75
|
-30
|
6,984
|
-3.01
|
-53
|
5,850
|
-3.98
|
-57
|
Customer deposits
|
42,264
|
-0.07
|
-7
|
41,429
|
-0.10
|
-10
|
40,607
|
-0.17
|
-17
|
40,581
|
-0.44
|
-45
|
40,416
|
-0.63
|
-63
|
Capital markets
|
3,001
|
-1.56
|
-12
|
3,060
|
-2.07
|
-16
|
2,971
|
-2.62
|
-20
|
2,833
|
-3.61
|
-26
|
3,193
|
-4.45
|
-35
|
Other liabilities and shareholders' equity
|
4,015
|
0.44
|
4
|
4,681
|
-0.25
|
-3
|
5,642
|
-0.70
|
-10
|
7,036
|
-1.16
|
-21
|
6,423
|
-2.64
|
-42
|
Total funds
|
56,108
|
-0.18
|
-25
|
55,978
|
-0.34
|
-47
|
55,902
|
-0.54
|
-76
|
57,434
|
-1.00
|
-144
|
55,882
|
-1.43
|
-197
|
Net interest income
|
271
|
280
|
296
|
304
|
303
|
Customer spread
|
2.45
|
2.48
|
2.55
|
2.50
|
2.55
|
Net interest margin as % of ATA
|
1.95
|
2.01
|
2.10
|
2.10
|
2.20
| /xl/drawings/drawing6.xml#Group!A1/xl/drawings/drawing6.xml#Group!A1
Fees & comissions
Net fees and commissions
|
Excl. TSB
|
TSB
|
Total group
|
Excl. TSB
|
TSB
|
Total group
|
(€ million)
|
4Q22
|
1Q23
|
QoQ (%)
|
4Q22
|
1Q23
|
QoQ (%)
|
4Q22
|
1Q23
|
QoQ (%)
|
1Q22
|
1Q23
|
YoY (%)
|
1Q22
|
1Q23
|
YoY (%)
|
1Q22
|
1Q23
|
YoY (%)
|
Lending fees
|
47
|
46
|
-3.1
|
0
|
0
|
14.3
|
47
|
46
|
-3.1
|
44
|
46
|
4.4
|
0
|
0
|
-23.8
|
44
|
46
|
4.4
|
Guarantees commissions
|
25
|
26
|
3.6
|
0
|
0
|
--
|
25
|
26
|
3.6
|
ERROR:#REF!
|
24
|
26
|
8.2
|
0
|
0
|
--
|
24
|
26
|
8.2
|
Risk transaction
|
72
|
72
|
-0.7
|
0
|
0
|
14.3
|
72
|
72
|
-0.7
|
68
|
72
|
5.7
|
0
|
0
|
-23.8
|
68
|
72
|
5.7
|
fees
|
0
|
0
|
Cards
|
42
|
39
|
-8.3
|
20
|
18
|
-11.0
|
63
|
57
|
-9.2
|
40
|
39
|
-3.4
|
17
|
18
|
6.3
|
57
|
57
|
-0.5
|
Payment orders
|
21
|
21
|
0.8
|
0
|
0
|
-9.2
|
21
|
22
|
0.6
|
19
|
21
|
13.2
|
0
|
0
|
-9.4
|
19
|
22
|
12.8
|
Securities
|
12
|
14
|
16.1
|
0
|
0
|
--
|
12
|
14
|
16.1
|
14
|
14
|
-0.1
|
0
|
0
|
--
|
14
|
14
|
-0.1
|
Sight accounts
|
60
|
64
|
6.7
|
8
|
7
|
-21.3
|
68
|
71
|
3.3
|
59
|
64
|
8.8
|
10
|
7
|
-31.4
|
68
|
71
|
3.1
|
Foreign currency and notes exchange
|
28
|
23
|
-18.8
|
7
|
6
|
-5.4
|
35
|
29
|
-16.3
|
28
|
23
|
-16.0
|
6
|
6
|
7.7
|
33
|
29
|
-11.8
|
Other transactions
|
24
|
13
|
-45.5
|
-8
|
-6
|
-24.7
|
15
|
7
|
-56.4
|
17
|
13
|
-26.4
|
-5
|
-6
|
14.8
|
12
|
7
|
-44.5
|
Commissions for services
|
187
|
174
|
-7.2
|
28
|
25
|
-8.7
|
215
|
199
|
-7.4
|
176
|
174
|
-1.5
|
28
|
25
|
-8.4
|
204
|
199
|
-2.5
|
0
|
0
|
Mutual funds
|
29
|
29
|
2.3
|
0
|
0
|
--
|
29
|
29
|
2.3
|
32
|
29
|
-7.3
|
0
|
0
|
--
|
32
|
29
|
-7.3
|
Pension funds and
|
49
|
42
|
-13.3
|
3
|
3
|
-6.9
|
52
|
45
|
-13.0
|
47
|
42
|
-9.7
|
3
|
3
|
-1.0
|
49
|
45
|
-9.2
|
insurance brokerage
|
Wealth management
|
5
|
5
|
7.0
|
0
|
0
|
--
|
5
|
5
|
7.0
|
6
|
5
|
-7.2
|
0
|
0
|
--
|
6
|
5
|
-7.2
|
Asset Under Management commissions
|
83
|
77
|
-6.6
|
3
|
3
|
-6.9
|
85
|
80
|
-6.6
|
84
|
77
|
-8.6
|
3
|
3
|
-1.0
|
87
|
80
|
-8.4
|
Total commissions
|
342
|
322
|
-5.7
|
31
|
28
|
-8.5
|
372
|
350
|
-5.9
|
328
|
322
|
-1.9
|
30
|
28
|
-7.8
|
359
|
350
|
-2.4
| /xl/drawings/drawing7.xml#Group!A1
Expenses
Operating expenses and amortisation
|
Excl. TSB
|
TSB
|
Total group
|
Excl. TSB
|
TSB
|
Total group
|
(€ million)
|
4Q22
|
1Q23
|
QoQ (%)
|
4Q22
|
1Q23
|
QoQ (%)
|
4Q22
|
1Q23
|
QoQ (%)
|
1Q22
|
1Q23
|
YoY (%)
|
1Q22
|
1Q23
|
YoY (%)
|
1Q22
|
1Q23
|
YoY (%)
|
Personnel expenses
|
-258
|
-264
|
2.5
|
-91
|
ERROR:#REF!
|
-86
|
-5.7
|
-349
|
-350
|
0.3
|
-261
|
-264
|
1.2
|
-89
|
-86
|
-2.9
|
-350
|
-350
|
0.2
|
IT and communications
|
-55
|
-55
|
1.3
|
-47
|
ERROR:#REF!
|
-53
|
12.4
|
-101
|
-108
|
6.5
|
-56
|
-55
|
-0.9
|
-53
|
-53
|
-0.4
|
-109
|
-108
|
-0.7
|
Advertising
|
-10
|
-11
|
8.2
|
-8
|
ERROR:#REF!
|
-6
|
-17.7
|
-18
|
-17
|
-3.3
|
-10
|
-11
|
6.7
|
-8
|
-6
|
-21.0
|
-18
|
-17
|
-5.8
|
Premises and office supplies
|
-8
|
-10
|
27.8
|
-7
|
ERROR:#REF!
|
-7
|
3.5
|
-15
|
-17
|
16.7
|
-10
|
-10
|
-2.3
|
-6
|
-7
|
15.8
|
-16
|
-17
|
4.4
|
Technical reports and judicial expenses
|
-4
|
-5
|
26.0
|
-5
|
ERROR:#REF!
|
-4
|
-9.8
|
-9
|
-9
|
7.0
|
-5
|
-5
|
-2.1
|
-4
|
-4
|
0.2
|
-9
|
-9
|
-1.1
|
Subcontracted administrative services
|
-9
|
-14
|
54.4
|
-15
|
ERROR:#REF!
|
-20
|
35.8
|
-23
|
-33
|
42.8
|
-14
|
-14
|
0.2
|
-16
|
-20
|
25.4
|
-29
|
-33
|
13.8
|
Contributions and taxes
|
-33
|
-24
|
-26.9
|
-3
|
ERROR:#REF!
|
-2
|
-17.1
|
-36
|
-27
|
-26.2
|
-25
|
-24
|
-3.6
|
-4
|
-2
|
-46.8
|
-29
|
-27
|
-9.4
|
Others
|
-24
|
-22
|
-9.1
|
-10
|
ERROR:#REF!
|
-10
|
2.1
|
-33
|
-31
|
-5.9
|
-18
|
-22
|
18.7
|
-11
|
-10
|
-10.4
|
-29
|
-31
|
7.8
|
Other general expenses
|
-142
|
-141
|
-1.1
|
-93
|
ERROR:#REF!
|
-102
|
10.0
|
-235
|
-243
|
3.3
|
-139
|
-141
|
1.7
|
-102
|
-102
|
0.1
|
-240
|
-243
|
1.0
|
Amortisation & depreciation
|
-99
|
-100
|
0.1
|
-37
|
ERROR:#REF!
|
-38
|
3.4
|
-136
|
-138
|
1.0
|
-94
|
-100
|
5.9
|
-42
|
-38
|
-9.0
|
-136
|
-138
|
1.3
|
Total costs
|
-499
|
-504
|
1.0
|
-221
|
ERROR:#REF!
|
-226
|
2.4
|
-720
|
-730
|
1.4
|
-493
|
-504
|
2.2
|
-232
|
-226
|
-2.7
|
-726
|
-730
|
0.7
|
Memorandum item:
|
Efficiency ratio (%)
|
42.71
|
39.11
|
64.73
|
57.36
|
47.98
|
43.50
|
Efficiency ratio with amortisation & depreciation (%)
|
52.77
|
48.73
|
78.90
|
68.94
|
59.03
|
53.59
| /xl/drawings/drawing8.xml#Group!A1
Balance sheet
Group balance sheet
|
Change
|
(€ million)
|
31.03.22
|
31.12.22
|
31.03.23
|
YoY (%)
|
QoQ (%)
|
Cash, cash balances at central banks and other demand deposits
|
53,159
|
41,260
|
38,093
|
-28.3
|
-7.7
|
Financial assets held for trading and fair value with changes in PL
|
2,509
|
4,095
|
3,769
|
50.2
|
-8.0
|
Financial assets in fair value OCI
|
7,287
|
5,802
|
5,834
|
-19.9
|
0.5
|
Financial assets at amortised cost
|
175,632
|
185,045
|
185,824
|
5.8
|
0.4
|
Loans and advances to customers
|
157,264
|
158,730
|
155,413
|
-1.2
|
-2.1
|
Loans and advances of central banks and credit institutions
|
3,358
|
4,863
|
8,285
|
146.7
|
70.4
|
Debt securities
|
15,010
|
21,453
|
22,126
|
47.4
|
3.1
|
Investments in subsidaries, joint ventures and associates
|
552
|
515
|
432
|
-21.7
|
-16.2
|
Tangible assets
|
2,719
|
2,582
|
2,473
|
-9.1
|
-4.2
|
Intangible assets
|
2,529
|
2,484
|
2,464
|
-2.6
|
-0.8
|
Other assets
|
8,869
|
9,596
|
9,592
|
8.1
|
-0.0
|
Total assets
|
253,256
|
251,380
|
248,480
|
-1.9
|
-1.2
|
Financial liabilities held for trading and fair value with changes in PL
|
1,684
|
3,598
|
3,429
|
103.6
|
-4.7
|
Financial liabilities at amortised cost
|
236,919
|
232,530
|
229,901
|
-3.0
|
-1.1
|
Central banks
|
37,978
|
27,844
|
18,521
|
-51.2
|
-33.5
|
Credit institutions
|
9,600
|
11,373
|
17,304
|
80.3
|
52.1
|
Customer deposits
|
162,602
|
164,076
|
161,567
|
-0.6
|
-1.5
|
Debt securities issued
|
21,107
|
22,578
|
25,878
|
22.6
|
14.6
|
Other financial liabilities
|
5,632
|
6,659
|
6,632
|
17.8
|
-0.4
|
Provisions
|
689
|
645
|
615
|
-10.7
|
-4.6
|
Other liabilities
|
1,024
|
1,382
|
1,390
|
35.8
|
0.6
|
Subtotal liabilities
|
240,316
|
238,155
|
235,335
|
-2.1
|
-1.2
|
Shareholders' equity
|
13,375
|
13,841
|
13,657
|
2.1
|
-1.3
|
Accumulated other comprehensive income
|
-472
|
-651
|
-546
|
15.9
|
-16.0
|
Minority interest
|
37
|
34
|
34
|
-8.4
|
-0.0
|
Net equity
|
12,940
|
13,224
|
13,145
|
1.6
|
-0.6
|
Total liabilities and equity
|
253,256
|
251,380
|
248,480
|
-1.9
|
-1.2
|
Financial guarantees granted
|
1,991
|
2,087
|
1,990
|
-0.0
|
-4.6
|
Commitments for loans granted
|
28,045
|
27,461
|
26,443
|
-5.7
|
-3.7
|
Other commitments granted
|
7,762
|
9,674
|
9,124
|
17.6
|
-5.7
| /xl/drawings/drawing9.xml#Group!A1
Loans
Loans and advances to customers
|
Excl. TSB
|
TSB
|
Total group
|
Change
|
Change
|
Change
|
(€ million)
|
31.03.22
|
31.12.22
|
31.03.23
|
YoY (%)
|
QoQ (%)
|
31.03.22
|
31.12.22
|
31.03.23
|
YoY (%)
|
QoQ (%)
|
31.03.22
|
31.12.22
|
31.03.23
|
YoY (%)
|
QoQ (%)
|
Mortgage loans & credits
|
49,436
|
49,433
|
48,903
|
-1.1
|
-1.1
|
41,354
|
39,907
|
39,357
|
-4.8
|
-1.4
|
90,790
|
89,340
|
88,261
|
-2.8
|
-1.2
|
Other secured loans & credits
|
2,792
|
3,000
|
2,978
|
6.6
|
-0.7
|
538
|
412
|
392
|
-27.1
|
-4.8
|
3,331
|
3,412
|
3,370
|
1.2
|
-1.2
|
Working capital
|
5,992
|
7,489
|
6,739
|
12.5
|
-10.0
|
0
|
0
|
0
|
--
|
--
|
5,992
|
7,489
|
6,739
|
12.5
|
-10.0
|
Leasing
|
2,120
|
2,227
|
2,237
|
5.5
|
0.5
|
0
|
0
|
0
|
--
|
--
|
2,120
|
2,227
|
2,237
|
5.5
|
0.5
|
Unsecured lending and others
|
50,108
|
50,872
|
49,786
|
-0.6
|
-2.1
|
2,401
|
2,791
|
2,244
|
-6.5
|
-19.6
|
52,509
|
53,663
|
52,029
|
-0.9
|
-3.0
|
Performing gross loans
|
110,448
|
113,020
|
110,643
|
0.2
|
-2.1
|
44,294
|
43,110
|
41,993
|
-5.2
|
-2.6
|
154,742
|
156,130
|
152,637
|
-1.4
|
-2.2
|
Stage 3 assets (customer)
|
5,085
|
4,897
|
4,948
|
-2.7
|
1.0
|
624
|
563
|
576
|
-7.7
|
2.2
|
5,708
|
5,461
|
5,524
|
-3.2
|
1.2
|
Accruals
|
-50
|
87
|
107
|
--
|
22.9
|
85
|
72
|
67
|
-20.8
|
-6.6
|
35
|
159
|
174
|
--
|
9.6
|
Gross loans to customers
|
115,483
|
118,005
|
115,698
|
0.2
|
-2.0
|
45,002
|
43,745
|
42,636
|
-5.3
|
-2.5
|
160,485
|
161,750
|
158,335
|
-1.3
|
-2.1
|
(excluding repos)
|
--
|
--
|
--
|
--
|
--
|
--
|
Reverse repos
|
54
|
0
|
120
|
122.3
|
--
|
0
|
0
|
-0
|
--
|
--
|
54
|
0
|
120
|
122.3
|
--
|
Gross loans to customers
|
115,537
|
118,005
|
115,818
|
0.2
|
-1.9
|
45,002
|
43,745
|
42,636
|
-5.3
|
-2.5
|
160,539
|
161,750
|
158,454
|
-1.3
|
-2.0
|
NPL and country-risk provisions
|
-3,050
|
-2,797
|
-2,818
|
-7.6
|
0.8
|
-225
|
-223
|
-223
|
-1.1
|
-0.2
|
-3,275
|
-3,020
|
-3,041
|
-7.1
|
0.7
|
Loans and advances to customers
|
112,487
|
115,208
|
113,000
|
0.5
|
-1.9
|
44,777
|
43,522
|
42,413
|
-5.3
|
-2.5
|
157,264
|
158,730
|
155,413
|
-1.2
|
-2.1
| /xl/drawings/drawing10.xml#Group!A1
FuM
Funds under management
|
Excl. TSB
|
TSB
|
Total group
|
Change
|
Change
|
Change
|
(€ million)
|
31.03.22
|
31.12.22
|
31.03.23
|
YoY (%)
|
QoQ (%)
|
31.03.22
|
31.12.22
|
31.03.23
|
YoY (%)
|
QoQ (%)
|
31.03.22
|
31.12.22
|
31.03.23
|
YoY (%)
|
QoQ (%)
|
Financial liabilities at amortised cost
|
184,859
|
181,843
|
179,783
|
-2.7
|
-1.1
|
52,060
|
50,687
|
50,119
|
-3.7
|
-1.1
|
236,919
|
232,530
|
229,901
|
-3.0
|
-1.1
|
0
|
0
|
0
|
0
|
0
|
0
|
Non-retail financial liabilities
|
65,741
|
58,635
|
58,093
|
-11.6
|
-0.9
|
9,861
|
9,755
|
9,502
|
-3.6
|
-2.6
|
75,602
|
68,390
|
67,594
|
-10.6
|
-1.2
|
Central banks
|
31,464
|
21,599
|
13,348
|
-57.6
|
-38.2
|
6,515
|
6,244
|
5,172
|
-20.6
|
-17.2
|
37,978
|
27,844
|
18,521
|
-51.2
|
-33.5
|
Credit institutions
|
9,589
|
11,372
|
17,303
|
80.5
|
52.2
|
11
|
2
|
1
|
-89.1
|
-23.1
|
9,600
|
11,373
|
17,304
|
80.3
|
52.1
|
Institutional issues
|
19,855
|
20,657
|
22,443
|
13.0
|
8.6
|
2,537
|
1,857
|
2,695
|
6.2
|
45.1
|
22,392
|
22,514
|
25,138
|
12.3
|
11.7
|
Other financial liabilities
|
4,834
|
5,007
|
4,999
|
3.4
|
-0.2
|
798
|
1,652
|
1,633
|
104.7
|
-1.1
|
5,632
|
6,659
|
6,632
|
17.8
|
-0.4
|
0
|
0
|
On-balance sheet customer funds
|
119,118
|
123,208
|
121,690
|
2.2
|
-1.2
|
42,199
|
40,931
|
40,617
|
-3.7
|
-0.8
|
161,316
|
164,140
|
162,307
|
0.6
|
-1.1
|
0
|
0
|
Customer deposits
|
119,934
|
122,701
|
120,823
|
0.7
|
-1.5
|
42,668
|
41,376
|
40,744
|
-4.5
|
-1.5
|
162,602
|
164,076
|
161,567
|
-0.6
|
-1.5
|
Sight accounts
|
106,279
|
110,156
|
106,185
|
-0.1
|
-3.6
|
40,241
|
37,384
|
36,439
|
-9.4
|
-2.5
|
146,520
|
147,540
|
142,624
|
-2.7
|
-3.3
|
Fixed-term deposits
|
13,428
|
12,594
|
14,194
|
5.7
|
12.7
|
1,958
|
3,547
|
4,178
|
113.4
|
17.8
|
15,386
|
16,141
|
18,372
|
19.4
|
13.8
|
Repos
|
174
|
0
|
455
|
162.3
|
--
|
461
|
405
|
62
|
-86.6
|
-84.8
|
634
|
405
|
517
|
-18.5
|
27.7
|
Accruals and derivative hedging adjustments
|
54
|
-49
|
-12
|
--
|
-76.4
|
8
|
40
|
66
|
--
|
65.7
|
61
|
-9
|
54
|
-12.0
|
--
|
0
|
0
|
Debt and other marketable securities
|
14,797
|
17,687
|
19,218
|
29.9
|
8.7
|
2,069
|
1,413
|
2,568
|
24.1
|
81.7
|
16,866
|
19,100
|
21,786
|
29.2
|
14.1
|
Subordinated liabilities
|
4,241
|
3,478
|
4,092
|
-3.5
|
17.7
|
-0
|
-0
|
-0
|
-27.5
|
-7.5
|
4,241
|
3,478
|
4,092
|
-3.5
|
17.7
|
0
|
0
|
0
|
On-balance sheet funds
|
138,973
|
143,865
|
144,133
|
3.7
|
0.2
|
44,736
|
42,789
|
43,312
|
-3.2
|
1.2
|
183,709
|
186,654
|
187,445
|
2.0
|
0.4
|
0
|
0
|
0
|
0
|
0
|
Mutual funds
|
23,848
|
22,581
|
22,984
|
-3.6
|
1.8
|
0
|
0
|
0
|
--
|
--
|
23,848
|
22,581
|
22,984
|
-3.6
|
1.8
|
Managed mutual funds
|
0
|
0
|
0
|
--
|
--
|
0
|
0
|
0
|
--
|
--
|
0
|
0
|
0
|
--
|
--
|
Dedicated investment companies
|
1,289
|
703
|
638
|
-50.5
|
-9.1
|
0
|
0
|
0
|
--
|
--
|
1,289
|
703
|
638
|
-50.5
|
-9.1
|
Third-party funds
|
22,558
|
21,878
|
22,345
|
-0.9
|
2.1
|
0
|
0
|
0
|
--
|
--
|
22,558
|
21,878
|
22,345
|
-0.9
|
2.1
|
0
|
0
|
0
|
0
|
Managed accounts
|
3,715
|
3,532
|
3,669
|
-1.2
|
3.9
|
0
|
0
|
0
|
--
|
--
|
3,715
|
3,532
|
3,669
|
-1.2
|
3.9
|
0
|
0
|
0
|
0
|
Pension funds
|
3,416
|
3,182
|
3,229
|
-5.5
|
1.5
|
0
|
0
|
0
|
--
|
--
|
3,416
|
3,182
|
3,229
|
-5.5
|
1.5
|
Individual
|
2,217
|
2,065
|
2,097
|
-5.4
|
1.6
|
0
|
0
|
0
|
--
|
--
|
2,217
|
2,065
|
2,097
|
-5.4
|
1.6
|
Company
|
1,194
|
1,112
|
1,126
|
-5.6
|
1.3
|
0
|
0
|
0
|
--
|
--
|
1,194
|
1,112
|
1,126
|
-5.6
|
1.3
|
Group
|
6
|
5
|
5
|
-7.0
|
1.2
|
0
|
0
|
0
|
--
|
--
|
6
|
5
|
5
|
-7.0
|
1.2
|
0
|
0
|
0
|
0
|
Third-party insurance products
|
9,645
|
9,197
|
9,631
|
-0.1
|
4.7
|
0
|
0
|
0
|
--
|
--
|
9,645
|
9,197
|
9,631
|
-0.1
|
4.7
|
0
|
0
|
0
|
0
|
Off-balance sheet customer funds
|
40,624
|
38,492
|
39,513
|
-2.7
|
2.7
|
0
|
0
|
0
|
--
|
--
|
40,624
|
38,492
|
39,513
|
-2.7
|
2.7
|
0
|
0
|
0
|
0
|
Funds under management and third-party funds
|
179,597
|
182,358
|
183,646
|
2.3
|
0.7
|
44,736
|
42,789
|
43,312
|
-3.2
|
1.2
|
224,333
|
225,146
|
226,957
|
1.2
|
0.8
| /xl/drawings/drawing11.xml#Group!A1
Equity
Group net equity
|
Change
|
(€ million)
|
31.03.22
|
31.12.22
|
31.03.23
|
YoY
|
QoQ
|
Shareholders' equity
|
13,375
|
13,841
|
13,657
|
282
|
-184
|
Issued capital
|
703
|
703
|
703
|
0
|
0
|
Reserves
|
12,467
|
12,393
|
12,777
|
310
|
384
|
Other equity
|
20
|
22
|
20
|
0
|
-2
|
Less: treasury shares
|
-29
|
-24
|
-48
|
-19
|
-24
|
Attributable net profit
|
213
|
859
|
205
|
-8
|
-654
|
Less: interim dividends
|
0
|
-112
|
0
|
0
|
112
|
Accumulated other comprehensive income
|
-472
|
-651
|
-546
|
-75
|
104
|
Minority interest
|
37
|
34
|
34
|
-3
|
-0
|
Net equity
|
12,940
|
13,224
|
13,145
|
204
|
-80
| /xl/drawings/drawing12.xml#Group!A1
NPA exposure and coverage
NPA exposure and coverage
|
Total group
|
(€ million)
|
Mar 22
|
Jun 22
|
Sep 22
|
Dec 22
|
Mar 23
|
Stage 3 exposures
|
6,210
|
5,714
|
5,830
|
5,814
|
5,891
|
Total provisions
|
3,456
|
3,159
|
3,214
|
3,200
|
3,219
|
Stage 3 coverage ratio with total provisions (%)
|
55.7%
|
55.3%
|
55.1%
|
55.0%
|
54.6%
|
Stage 3 exposures
|
6,210
|
5,714
|
5,830
|
5,814
|
5,891
|
Stage 3 provisions
|
2,560
|
2,263
|
2,273
|
2,292
|
2,328
|
Stage 3 coverage ratio (%)
|
41.2%
|
39.6%
|
39.0%
|
39.4%
|
39.5%
|
Problematic RE Assets
|
1,299
|
1,277
|
1,209
|
1,157
|
1,117
|
Provisions
|
494
|
499
|
470
|
443
|
429
|
Problematic Real Estate coverage ratio (%)
|
38.0%
|
39.0%
|
38.9%
|
38.3%
|
38.4%
|
Total problematic assets
|
7,508
|
6,991
|
7,039
|
6,971
|
7,008
|
Provisions
|
3,950
|
3,658
|
3,684
|
3,644
|
3,648
|
Problematic assets coverage (%)
|
52.6%
|
52.3%
|
52.3%
|
52.3%
|
52.0%
|
Gross loans to customers excluding repos + guarantees granted + problematic RE Assets
|
171,005
|
174,040
|
172,594
|
171,910
|
168,347
|
Gross NPA ratio (%)
|
4.4%
|
4.0%
|
4.1%
|
4.1%
|
4.2%
|
Net problematic assets
|
3,559
|
3,334
|
3,355
|
3,327
|
3,360
|
Net NPA ratio (%)
|
2.1%
|
1.9%
|
1.9%
|
1.9%
|
2.0%
|
Net problematic assets as % of total assets
|
1.4%
|
1.3%
|
1.3%
|
1.3%
|
1.4%
|
Excl. TSB
|
(€ million)
|
Mar 22
|
Jun 22
|
Sep 22
|
Dec 22
|
Mar 23
|
Stage 3 exposures
|
5,585
|
5,132
|
5,237
|
5,250
|
5,314
|
Total provisions
|
3,214
|
2,924
|
2,979
|
2,961
|
2,980
|
Stage 3 coverage ratio with total provisions (%)
|
57.6%
|
57.0%
|
56.9%
|
56.4%
|
56.1%
|
Stage 3 exposures
|
5,585
|
5,132
|
5,237
|
5,250
|
5,314
|
Stage 3 provisions
|
2,489
|
2,190
|
2,201
|
2,218
|
2,248
|
Stage 3 coverage ratio (%)
|
44.6%
|
42.7%
|
42.0%
|
42.2%
|
42.3%
|
Problematic RE Assets
|
1,299
|
1,277
|
1,209
|
1,157
|
1,117
|
Provisions
|
494
|
499
|
470
|
443
|
429
|
Problematic Real Estate coverage ratio (%)
|
38.0%
|
39.0%
|
38.9%
|
38.3%
|
38.4%
|
Total problematic assets
|
6,884
|
6,409
|
6,447
|
6,406
|
6,431
|
Provisions
|
3,708
|
3,423
|
3,449
|
3,405
|
3,409
|
Problematic assets coverage (%)
|
53.9%
|
53.4%
|
53.5%
|
53.1%
|
53.0%
|
Gross loans to customers excluding repos + guarantees granted + problematic RE Assets
|
126,003
|
129,464
|
129,047
|
128,164
|
125,711
|
Gross NPA ratio (%)
|
5.5%
|
5.0%
|
5.0%
|
5.0%
|
5.1%
|
Net problematic assets
|
3,176
|
2,986
|
2,997
|
3,002
|
3,022
|
Net NPA ratio (%)
|
2.5%
|
2.3%
|
2.3%
|
2.3%
|
2.4%
|
Net problematic assets as % of total assets
|
1.6%
|
1.5%
|
1.4%
|
1.5%
|
1.5%
|
TSB
|
(€ million)
|
Mar 22
|
Jun 22
|
Sep 22
|
Dec 22
|
Mar 23
|
Stage 3 exposures
|
625
|
582
|
592
|
565
|
577
|
Total provisions
|
242
|
235
|
235
|
239
|
238
|
Stage 3 coverage ratio with total provisions (%)
|
38.7%
|
40.3%
|
39.7%
|
42.3%
|
41.3%
|
Stage 3 exposures
|
625
|
582
|
592
|
565
|
577
|
Stage 3 provisions
|
71
|
73
|
72
|
74
|
79
|
Stage 3 coverage ratio (%)
|
11.4%
|
12.5%
|
12.1%
|
13.2%
|
13.7%
|
Total problematic assets
|
625
|
582
|
592
|
565
|
577
|
Provisions
|
242
|
235
|
235
|
239
|
238
|
Problematic assets coverage (%)
|
38.7%
|
40.3%
|
39.7%
|
42.3%
|
41.3%
|
Gross loans to customers excluding repos + guarantees granted + problematic RE Assets
|
45,002
|
44,575
|
43,547
|
43,745
|
42,636
|
Gross NPA ratio (%)
|
1.4%
|
1.3%
|
1.4%
|
1.3%
|
1.4%
|
Net problematic assets
|
383
|
347
|
358
|
326
|
339
|
Net NPA ratio (%)
|
0.9%
|
0.8%
|
0.8%
|
0.7%
|
0.8%
|
Net problematic assets as % of total assets
|
0.7%
|
0.6%
|
0.6%
|
0.6%
|
0.6%
| /xl/drawings/drawing13.xml#Group!A1
Stages
Stages
|
(€ million)
|
Stage 1
|
Stage 2
|
Stage 3
|
Gross loans to customers excluding repos and guarantees granted
|
147,278
|
14,061
|
5,891
|
Change QoQ
|
-2.2%
|
-1.9%
|
1.3%
|
Provisions
|
376
|
515
|
2,328
|
% Stage / Total Loans
|
88.1%
|
8.4%
|
3.5%
|
Coverage group
|
0.3%
|
3.7%
|
39.5%
|
Coverage excl. TSB
|
0.3%
|
4.2%
|
42.3%
| /xl/drawings/drawing14.xml#Group!A1
NPA details
NPA details
|
Stage 3 ratios by segment
|
Total group
|
Mar 22
|
Jun 22
|
Sep 22
|
Dec 22
|
Mar 23
|
Real estate development and/or construction purposes
|
8.86%
|
7.77%
|
8.23%
|
6.95%
|
7.30%
|
Construction purposes non-related to real estate dev.
|
9.49%
|
12.04%
|
11.28%
|
7.06%
|
9.17%
|
Large corporates
|
2.45%
|
2.21%
|
2.00%
|
2.02%
|
2.22%
|
SME and small retailers and self-employed
|
6.54%
|
5.84%
|
6.33%
|
7.62%
|
7.87%
|
Individuals with 1st mortgage guarantee assets
|
2.47%
|
2.35%
|
2.37%
|
2.08%
|
2.14%
|
Stage 3 ratio
|
3.66%
|
3.31%
|
3.40%
|
3.41%
|
3.52%
|
Excl. TSB
|
Mar 22
|
Jun 22
|
Sep 22
|
Dec 22
|
Mar 23
|
Real estate development and/or construction purposes
|
8.92%
|
7.82%
|
8.29%
|
6.99%
|
7.34%
|
Construction purposes non-related to real estate dev.
|
9.50%
|
12.05%
|
11.29%
|
7.07%
|
9.18%
|
Large corporates
|
2.45%
|
2.21%
|
2.00%
|
2.02%
|
2.22%
|
SME and small retailers and self-employed
|
6.58%
|
5.87%
|
6.37%
|
7.66%
|
7.92%
|
Individuals with 1st mortgage guarantee assets
|
3.59%
|
3.42%
|
3.37%
|
2.86%
|
2.92%
|
Stage 3 ratio
|
4.48%
|
4.00%
|
4.10%
|
4.13%
|
4.27%
|
Evolution of NPLs and RE Assets Group
|
(€ million)
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
Gross entries (stage 3)
|
640
|
586
|
670
|
978
|
687
|
Recoveries and sales
|
-488
|
-1,007
|
-462
|
-910
|
-504
|
Net stage 3 entries
|
153
|
-421
|
208
|
68
|
183
|
Gross entries (foreclosed assets)
|
16
|
21
|
13
|
17
|
12
|
Sales
|
-79
|
-43
|
-81
|
-70
|
-52
|
Change in foreclosed assets
|
-63
|
-22
|
-68
|
-53
|
-40
|
Net stage 3 entries + Change in foreclosed assets
|
89
|
-443
|
140
|
15
|
143
|
Write-offs
|
-146
|
-74
|
-92
|
-83
|
-106
|
Foreclosed assets and stage 3 quarterly change
|
-56
|
-517
|
48
|
-68
|
37
|
Evolution of stage3 and RE Assets excl. TSB
|
(€ million)
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
Gross entries (stage 3)
|
549
|
496
|
528
|
888
|
571
|
Recoveries and sales
|
-395
|
-890
|
-348
|
-814
|
-417
|
Net stage 3 entries
|
154
|
-394
|
179
|
74
|
154
|
Gross entries (foreclosed assets)
|
16
|
21
|
13
|
17
|
12
|
Sales
|
-79
|
-43
|
-81
|
-70
|
-52
|
Change in foreclosed assets
|
-63
|
-22
|
-68
|
-53
|
-40
|
Net stage 3 entries + Change in foreclosed assets
|
91
|
-416
|
112
|
22
|
114
|
Write-offs
|
-128
|
-59
|
-74
|
-62
|
-89
|
Foreclosed assets and stage 3 quarterly change
|
-37
|
-475
|
38
|
-40
|
25
|
Evolution of NPLs and RE Assets TSB
|
(€ million)
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
Gross entries (stage 3)
|
92
|
90
|
142
|
90
|
116
|
Recoveries and sales
|
-93
|
-117
|
-114
|
-97
|
-86
|
Net stage 3 entries
|
-1
|
-27
|
28
|
-7
|
30
|
Gross entries (foreclosed assets)
|
0
|
0
|
0
|
0
|
0
|
Sales
|
0
|
0
|
0
|
0
|
0
|
Change in foreclosed assets
|
0
|
0
|
0
|
0
|
0
|
Net stage 3 entries + Change in foreclosed assets
|
-1
|
-27
|
28
|
-7
|
30
|
Write-offs
|
-18
|
-16
|
-18
|
-21
|
-17
|
Foreclosed assets and stage 3 quarterly change
|
-19
|
-42
|
10
|
-28
|
12
| /xl/drawings/drawing15.xml#Group!A1
Debt maturities
Debt maturities for the next 12 months
|
ISIN
|
Instrument
|
Date
|
Size
|
Coupon
|
ES0413860448
|
Covered bonds
|
5/4/23
|
250
|
2.62%
|
ES0413860554
|
Covered bonds
|
10/20/23
|
950
|
0.13%
|
ES0312298096
|
Covered bonds
|
10/23/23
|
100
|
4.25%
|
ES0413860521
|
Covered bonds
|
1/26/24
|
550
|
2.74%
|
XS1951430138
|
Covered bonds TSB
|
2/15/24
|
853
|
4.82%
|
XS1876076040
|
Senior Preferred
|
3/7/24
|
735
|
1.63%
| /xl/drawings/drawing16.xml#Group!A1
Capital ratios
Group total capital ratio (%)
|
Phase-in
|
Fully-loaded
|
(€ million)
|
31.03.22
|
31.12.22
|
31.03.23
|
31.03.22
|
31.12.22
|
31.03.23
|
Issued capital
|
703
|
703
|
703
|
703
|
703
|
703
|
Reserves
|
12,625
|
12,839
|
12,694
|
12,625
|
12,839
|
12,694
|
Deductions
|
-3,221
|
-3,465
|
-3,471
|
-3,326
|
-3,556
|
-3,475
|
Common Equity Tier 1
|
10,108
|
10,078
|
9,926
|
10,002
|
9,986
|
9,922
|
CET 1 (%)
|
12.59%
|
12.66%
|
12.78%
|
12.45%
|
12.54%
|
12.78%
|
Preference shares and other
|
1,650
|
1,650
|
1,750
|
1,650
|
1,650
|
1,750
|
Primary capital
|
11,758
|
11,728
|
11,676
|
11,652
|
11,636
|
11,672
|
Tier I (%)
|
14.64%
|
14.73%
|
15.04%
|
14.51%
|
14.61%
|
15.03%
|
Secondary capital
|
1,997
|
1,911
|
2,375
|
1,997
|
1,911
|
2,375
|
Tier II (%)
|
2.49%
|
2.40%
|
3.06%
|
2.49%
|
2.40%
|
3.06%
|
Total capital
|
13,754
|
13,638
|
14,051
|
13,649
|
13,547
|
14,047
|
Total capital ratio (%)
|
17.13%
|
17.13%
|
18.09%
|
16.99%
|
17.01%
|
18.09%
|
Risk weighted assets (RWA)
|
80,303
|
79,612
|
77,659
|
80,326
|
79,633
|
77,655
|
Leverage ratio (%)
|
5.49%
|
4.62%
|
4.72%
|
5.45%
|
4.59%
|
4.71%
|
CET 1 - BS (non-consolidated basis) (%)
|
13.47%
|
13.28%
|
13.30%
|
Tier I - BS (non-consolidated basis) (%)
|
15.51%
|
15.31%
|
15.48%
|
Tier II - BS (non-consolidated basis) (%)
|
2.38%
|
2.27%
|
2.90%
|
Total capital ratio - BS (non-consolidated basis) (%)
|
17.88%
|
17.58%
|
18.39%
|
ADIs
|
2,603
|
2,920
|
2,943
| /xl/drawings/drawing17.xml#Group!A1
Share
Share
|
31.03.22
|
31.12.22
|
31.03.23
|
Shareholders and trading
|
Number of shareholders
|
224,715
|
218,610
|
222,228
|
Total number of shares (million)
|
5,627
|
5,627
|
5,627
|
Average daily trading volume (millions shares)
|
64
|
41
|
45
|
Share price (€ )
|
Opening session (of the year)
|
0.592
|
0.592
|
0.881
|
High (of the year)
|
0.950
|
0.950
|
1.334
|
Low (of the year)
|
0.565
|
0.565
|
0.886
|
Closing session
|
0.746
|
0.881
|
0.989
|
Market capitalisation (€ million)
|
4,170
|
4,927
|
5,533
|
Stock market multiples
|
Earnings per share (EPS) (€ )
|
0.10
|
0.13
|
0.18
|
Book value (€ millon )
|
13,336
|
13,841
|
13,728
|
Book value per share (€ )
|
2.38
|
2.47
|
2.45
|
Tangible book value (€ millon )
|
10,781
|
11,357
|
11,264
|
TBV per share (€ )
|
1.93
|
2.03
|
2.01
|
Price / Tangible book value (times)
|
0.39
|
0.43
|
0.49
|
Price / Earnings ratio (P/E) (times)
|
7.35
|
6.58
|
5.56
| /xl/drawings/drawing18.xml#Group!A1
TSB GBP
TSB (GBP) Index
|
o TSB Accumulated quarterly results (GBP)
|
o TSB Quarterly results (GBP)
|
o TSB Balance sheet (GBP)
|
o TSB Margin (GBP)
| /xl/drawings/drawing19.xml#Index!A1
TSB Accum. quaterly results GBP
Accumulated quarterly results
|
(in million pounds)
|
1Q22
|
1Q23
|
YoY (%)
|
Net interest income
|
226
|
268
|
18.2
|
Net fees and commissions
|
25
|
25
|
-2.7
|
Core revenues
|
252
|
292
|
16.1
|
Net trading income and exchange differences
|
5
|
7
|
45.4
|
Income from equity method and dividends
|
0
|
0
|
--
|
Other operating income/expense
|
-10
|
-10
|
-6.1
|
Gross operating income
|
246
|
289
|
17.6
|
Operating expenses
|
-159
|
-166
|
4.2
|
Personnel expenses
|
-74
|
-76
|
2.5
|
Other general expenses
|
-85
|
-90
|
5.7
|
Amortisation & depreciation
|
-35
|
-33
|
-4.0
|
Total costs
|
-194
|
-200
|
2.7
|
Pre-provisions income
|
52
|
90
|
73.1
|
Provisions for NPLs
|
-10
|
-15
|
54.0
|
Provisions for other financial assets
|
0
|
-2
|
--
|
Other impairments
|
0
|
0
|
--
|
Gains on sale of assets and other results
|
-0
|
-0
|
--
|
Profit before tax
|
42
|
73
|
73.6
|
Income tax
|
-26
|
-26
|
-0.1
|
Minority interest
|
0
|
0
|
--
|
Attributable net profit
|
16
|
47
|
192.1
|
Memorandum item:
|
Core results (NII + net fees and commissions - costs)
|
58
|
93
|
61.3
| /xl/drawings/drawing20.xml#'TSB%20GBP'!A1
TSB Quarterly results GBP
Quarterly results
|
(in million pounds)
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
QoQ (%)
|
Net interest income
|
226
|
238
|
254
|
264
|
268
|
1.3
|
Net fees and commissions
|
25
|
29
|
34
|
27
|
25
|
-7.5
|
Core revenues
|
252
|
266
|
287
|
291
|
292
|
0.5
|
Net trading income and exchange differences
|
5
|
-2
|
7
|
-5
|
7
|
--
|
Income from equity method and dividends
|
0
|
0
|
0
|
0
|
0
|
--
|
Other operating income/expense
|
-10
|
-8
|
-8
|
-56
|
-10
|
-82.9
|
Gross operating income
|
246
|
256
|
286
|
231
|
289
|
25.5
|
Operating expenses
|
-159
|
-159
|
-163
|
-160
|
-166
|
3.6
|
Personnel expenses
|
-74
|
-74
|
-76
|
-79
|
-76
|
-4.3
|
Other general expenses
|
-85
|
-85
|
-87
|
-81
|
-90
|
11.3
|
Amortisation & depreciation
|
-35
|
-35
|
-32
|
-32
|
-33
|
4.7
|
Total costs
|
-194
|
-194
|
-195
|
-192
|
-200
|
3.8
|
Pre-provisions income
|
52
|
62
|
91
|
38
|
90
|
134.9
|
Provisions for NPLs
|
-10
|
-8
|
-18
|
-19
|
-15
|
-21.6
|
Provisions for other financial assets
|
0
|
-9
|
-17
|
-8
|
-2
|
-72.0
|
Other impairments
|
0
|
0
|
0
|
0
|
0
|
--
|
Gains on sale of assets and other results
|
-0
|
0
|
-0
|
1
|
-0
|
-100.0
|
Profit before tax
|
42
|
45
|
56
|
13
|
73
|
--
|
Income tax
|
-26
|
-16
|
-22
|
-17
|
-26
|
50.9
|
Minority interest
|
0
|
0
|
0
|
0
|
0
|
--
|
Attributable net profit
|
16
|
29
|
33
|
-5
|
47
|
--
|
Memorandum item:
|
Core results (NII + net fees and commissions - costs)
|
58
|
72
|
92
|
98
|
93
|
-5.8
| /xl/drawings/drawing21.xml#'TSB%20GBP'!A1
TSB Balance sheet GBP
TSB Balance sheet
|
Change
|
(in million pounds)
|
31.03.22
|
31.12.22
|
31.03.23
|
YoY (%)
|
QoQ (%)
|
Cash, cash balances at central banks and other demand deposits
|
4,937
|
5,239
|
5,835
|
18.2
|
11.4
|
Financial assets held for trading and fair value with changes in PL
|
390
|
1,160
|
1,039
|
166.9
|
-10.4
|
Financial assets in fair value OCI
|
890
|
510
|
360
|
-59.6
|
-29.4
|
Financial assets at amortised cost
|
40,181
|
41,008
|
39,738
|
-1.1
|
-3.1
|
Tangible assets
|
287
|
287
|
282
|
-1.7
|
-1.7
|
Intangible assets
|
73
|
76
|
76
|
4.0
|
0.0
|
Other assets
|
543
|
1,170
|
1,117
|
105.5
|
-4.5
|
Total assets
|
47,300
|
49,450
|
48,447
|
2.4
|
-2.0
|
Financial liabilities held for trading and fair value with changes in PL
|
428
|
1,252
|
1,125
|
162.8
|
-10.1
|
Financial liabilities at amortised cost
|
44,774
|
45,925
|
45,038
|
0.6
|
-1.9
|
Provisions
|
107
|
125
|
103
|
-3.2
|
-17.2
|
Other liabilities
|
115
|
165
|
208
|
80.5
|
25.9
|
Subtotal liabilities
|
45,425
|
47,468
|
46,475
|
2.3
|
-2.1
|
Shareholders' equity
|
1,866
|
1,948
|
1,952
|
4.6
|
0.2
|
Accumulated other comprehensive income
|
9
|
34
|
20
|
113.8
|
-41.5
|
Net equity
|
1,875
|
1,982
|
1,972
|
5.1
|
-0.5
|
Total liabilities and equity
|
47,300
|
49,450
|
48,447
|
2.4
|
-2.0
| /xl/drawings/drawing22.xml#'TSB%20GBP'!A1
TSB Margin GBP
Gains and charges in the quarter TSB
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
(in million pounds)
|
Saldo medio
|
Tipo %
|
Rtdos
|
Saldo medio
|
Tipo %
|
Rtdos
|
Saldo medio
|
Tipo %
|
Rtdos
|
Saldo medio
|
Tipo %
|
Rtdos
|
Saldo medio
|
Tipo %
|
Rtdos
|
Cash and cash equivalents (1)
|
4,747
|
0.42
|
5
|
4,585
|
0.90
|
10
|
4,401
|
1.55
|
17
|
5,035
|
2.77
|
35
|
5,030
|
3.76
|
47
|
Loans to customers (net)
|
37,623
|
2.52
|
233
|
37,852
|
2.58
|
243
|
38,015
|
2.70
|
259
|
38,201
|
2.93
|
282
|
37,744
|
3.19
|
297
|
Fixed-income securities
|
3,192
|
0.74
|
6
|
3,157
|
1.22
|
10
|
3,150
|
1.87
|
15
|
3,068
|
3.10
|
24
|
3,095
|
4.06
|
31
|
Other assets
|
1,441
|
0.77
|
3
|
1,961
|
3.02
|
15
|
2,551
|
4.26
|
27
|
3,716
|
4.98
|
47
|
3,254
|
8.37
|
67
|
Total assets
|
47,002
|
2.13
|
247
|
47,555
|
2.34
|
278
|
48,117
|
2.63
|
318
|
50,019
|
3.08
|
388
|
49,123
|
3.65
|
442
|
Financial institutions (2)
|
5,720
|
-0.63
|
-9
|
5,783
|
-1.09
|
-16
|
5,750
|
-1.74
|
-25
|
6,083
|
-2.97
|
-46
|
5,142
|
-3.99
|
-51
|
Customer deposits
|
35,404
|
-0.07
|
-6
|
35,193
|
-0.10
|
-9
|
34,942
|
-0.16
|
-15
|
35,348
|
-0.43
|
-39
|
35,528
|
-0.63
|
-56
|
Capital markets
|
2,514
|
-1.56
|
-10
|
2,600
|
-2.06
|
-13
|
2,557
|
-2.60
|
-17
|
2,466
|
-3.58
|
-22
|
2,807
|
-4.47
|
-31
|
Other liabilities and shareholders' equity
|
3,364
|
0.44
|
4
|
3,978
|
-0.24
|
-2
|
4,869
|
-0.68
|
-8
|
6,122
|
-1.14
|
-18
|
5,646
|
-2.65
|
-37
|
Total funds
|
47,002
|
-0.18
|
-21
|
47,555
|
-0.34
|
-40
|
48,117
|
-0.53
|
-65
|
50,019
|
-0.98
|
-124
|
49,123
|
-1.44
|
-174
|
Net interest income
|
226
|
238
|
254
|
264
|
268
|
Customer spread
|
2.45
|
2.48
|
2.54
|
2.50
|
2.56
|
Net interest margin as % of ATA
|
1.95
|
2.00
|
2.10
|
2.10
|
2.21
| /xl/drawings/drawing23.xml#'TSB%20GBP'!A1
Summary Business Units
Business units
|
Profit and loss 1Q23
|
(€ million)
|
Banking business Spain
|
Banking business United Kingdom
|
Banking Business Mexico
|
Total
|
Net interest income
|
752
|
303
|
45
|
1,100
|
Net fees and commissions
|
321
|
28
|
2
|
350
|
Core revenues
|
1,073
|
331
|
46
|
1,450
|
Net trading income and exchange differences
|
-6
|
7
|
-1
|
1
|
Income from equity method and dividends
|
31
|
0
|
0
|
31
|
Other operating income/expense
|
-157
|
-11
|
-4
|
-172
|
Gross operating income
|
941
|
328
|
42
|
1,311
|
Operating expenses
|
-388
|
-188
|
-17
|
-593
|
Amortisation & depreciation
|
-95
|
-38
|
-4
|
-138
|
Total costs
|
-483
|
-226
|
-21
|
-730
|
Pre-provisions income
|
458
|
102
|
21
|
581
|
Total provisions & impairments
|
-214
|
-19
|
-3
|
-236
|
Gains on sale of assets and other results
|
-1
|
-0
|
-1
|
-3
|
Profit before tax
|
243
|
83
|
16
|
342
|
Income tax
|
-106
|
-29
|
-2
|
-137
|
Minority interest
|
-0
|
0
|
0
|
-0
|
Attributable net profit
|
137
|
53
|
14
|
205
|
ROTE
|
9.5%
|
11.0%
|
12.8%
|
9.9%
|
Efficiency
|
39.0%
|
57.4%
|
40.8%
|
43.5%
|
Efficiency with amortisation & depreciation
|
48.6%
|
68.9%
|
50.9%
|
53.6%
|
Stage 3 ratio
|
4.3%
|
1.4%
|
2.5%
|
3.5%
|
Stage 3 coverage ratio with total provisions
|
55.8%
|
41.3%
|
69.7%
|
54.6%
|
Profit and loss 1Q22
|
(€ million)
|
Banking business Spain
|
Banking business United Kingdom
|
Banking Business Mexico
|
Total
|
Net interest income
|
556
|
271
|
31
|
858
|
Net fees and commissions
|
326
|
30
|
3
|
359
|
Core revenues
|
882
|
301
|
33
|
1,217
|
Net trading income and exchange differences
|
27
|
5
|
0
|
33
|
Income from equity method and dividends
|
59
|
0
|
0
|
59
|
Other operating income/expense
|
-7
|
-12
|
-4
|
-23
|
Gross operating income
|
961
|
294
|
30
|
1,285
|
Operating expenses
|
-385
|
-191
|
-15
|
-590
|
Amortisation & depreciation
|
-91
|
-42
|
-3
|
-136
|
Total costs
|
-476
|
-232
|
-18
|
-726
|
Pre-provisions income
|
485
|
62
|
12
|
560
|
Total provisions & impairments
|
-218
|
-11
|
3
|
-227
|
Gains on sale of assets and other results
|
-10
|
-0
|
-3
|
-13
|
Profit before tax
|
257
|
50
|
12
|
320
|
Income tax
|
-59
|
-31
|
-3
|
-93
|
Minority interest
|
13
|
0
|
0
|
13
|
Attributable net profit
|
184
|
19
|
10
|
213
|
ROTE
|
7.2%
|
3.6%
|
7.9%
|
6.5%
|
Efficiency
|
42.5%
|
64.7%
|
49.0%
|
48.0%
|
Efficiency with amortisation & depreciation
|
52.6%
|
78.9%
|
58.8%
|
59.0%
|
Stage 3 ratio
|
4.6%
|
1.4%
|
2.3%
|
3.7%
|
Stage 3 coverage ratio with total provisions
|
57.3%
|
38.7%
|
71.6%
|
55.7%
|
Balance sheet 1Q23
|
(€ million)
|
Banking business Spain
|
Banking business United Kingdom
|
Banking Business Mexico
|
Total
|
Total assets
|
186,941
|
55,127
|
6,411
|
248,480
|
Performing gross loans
|
106,524
|
41,993
|
4,119
|
152,637
|
RE exposure
|
688
|
0
|
0
|
688
|
Subtotal liabilities
|
176,757
|
52,740
|
5,838
|
235,335
|
On-balance sheet customer funds
|
118,177
|
40,617
|
3,513
|
162,307
|
Capital markets wholesale funding
|
20,734
|
3,697
|
0
|
24,431
|
Equity
|
10,185
|
2,387
|
573
|
13,145
|
Off-balance sheet customer funds
|
39,513
|
0
|
0
|
39,513
|
Balance sheet 1Q22
|
(€ million)
|
Banking business Spain
|
Banking business United Kingdom
|
Banking Business Mexico
|
Total
|
Total assets
|
192,156
|
55,978
|
5,121
|
253,256
|
Performing gross loans
|
106,687
|
44,294
|
3,762
|
154,742
|
RE exposure
|
805
|
0
|
0
|
805
|
Subtotal liabilities
|
182,368
|
53,371
|
4,576
|
240,316
|
On-balance sheet customer funds
|
116,670
|
42,199
|
2,448
|
161,316
|
Capital markets wholesale funding
|
18,707
|
2,955
|
0
|
21,662
|
Equity
|
9,789
|
2,607
|
545
|
12,940
|
Off-balance sheet customer funds
|
40,624
|
0
|
0
|
40,624
| /xl/drawings/drawing25.xml#'Business%20Units'!A1
List
Orden
|
Anglès
|
Castellà
|
1
|
1
|
2
|
2
|
(€'000)
|
(en miles de € )
|
3
|
Gross entries (foreclosed assets)
|
Entradas brutas (activos adjudicados)
|
4
|
3Q21 (1)
|
3T21 (1)
|
5
|
1Q23
|
1T23
|
6
|
1H23
|
1S23
|
7
|
9M23
|
9M23
|
8
|
FY23
|
2023
|
9
|
1Q21
|
1T21
|
10
|
1H21
|
1S21
|
11
|
9M21
|
9M21
|
12
|
FY21
|
2021
|
13
|
1Q22
|
1T22
|
14
|
1H22
|
1S22
|
15
|
9M22
|
9M22
|
16
|
FY22
|
2022
|
17
|
2Q23
|
2T23
|
18
|
3Q23
|
3T23
|
19
|
4Q23
|
4T23
|
20
|
2Q21
|
2T21
|
21
|
3Q21
|
3T21
|
22
|
4Q21
|
4T21
|
23
|
2Q22
|
2T22
|
24
|
3Q22
|
3T22
|
25
|
4Q22
|
4T22
|
26
|
1st Quarter
|
1r trimestre
|
27
|
2nd Quarter
|
2º trimestre
|
28
|
3rd Quarter
|
3r trimestre
|
29
|
4th Quarter
|
4º trimestre
|
30
|
Core revenues
|
Margen básico
|
31
|
Credit cost of risk (bps)
|
Cost of risk de crédito (pbs)
|
32
|
Interest and related income
|
Intereses y rendimientos asimilados
|
33
|
Interest and related charges
|
Intereses y cargas asimiladas
|
34
|
Net interest income
|
Margen de intereses
|
35
|
Dividend income
|
Rendimiento de instrumentos de capital
|
36
|
Income from equity method
|
Resultados entidades valoradas método participación
|
37
|
Net fees and commissions
|
Comisiones netas
|
38
|
Results from financial transactions (net)
|
Resultados de las operaciones financieras (neto)
|
39
|
Foreign exchange (net)
|
Diferencias de cambio (neto)
|
40
|
Other operating income/expense
|
Otros productos y cargas de explotación
|
41
|
Gross operating income
|
Margen bruto
|
42
|
Personnel expenses
|
Gastos de personal
|
43
|
Recurrent
|
Recurrentes
|
44
|
Non-recurrent
|
No recurrentes
|
45
|
Other general expenses
|
Otros gastos generales de administración
|
46
|
Amortisation & depreciation
|
Amortización
|
47
|
Pre-provisions income
|
Margen antes de dotaciones
|
48
|
Provisions for NPLs
|
Dotaciones para insolvencias
|
49
|
Gains on sale of assets and other results
|
Plusvalías por venta de activos y otros resultados
|
50
|
Badwill
|
Fondo de comercio negativo
|
51
|
Profit before tax
|
Resultado antes de impuestos
|
52
|
Income tax
|
Impuesto sobre beneficios
|
53
|
Consolidated net profit
|
Resultado consolidado del ejercicio
|
54
|
Minority interest
|
Resultado atribuido a intereses minoritarios
|
55
|
Attributable net profit
|
Beneficio atribuido al grupo
|
56
|
Pro memoria:
|
Promemoria:
|
57
|
Average total assets (€ million)
|
Activos totales medios (millones de € )
|
58
|
Earnings per share (€ )
|
Beneficio por acción (€ )
|
59
|
Avge. balance
|
Saldo medio
|
60
|
Rate %
|
Tipo %
|
61
|
Results
|
Resultados
|
62
|
Dec 21
|
Dic 21
|
63
|
Loans to customers (net)
|
Crédito a la clientela (neto)
|
64
|
Fixed-income securities
|
Cartera de renta fija
|
65
|
Subtotal
|
Subtotal
|
66
|
Equity securities
|
Cartera de renta variable
|
67
|
Tang. & intang. assets
|
Activo material e inmaterial
|
68
|
Other assets
|
Otros activos
|
69
|
Total
|
Total
|
70
|
Price / Book value (times)
|
P/VC (valor de cotización s/ valor contable)
|
71
|
Customer deposits
|
Depósitos de la clientela
|
72
|
Capital markets
|
Mercado de capitales
|
73
|
Repos
|
Cesiones de la cartera de renta fija
|
74
|
Other liabilities
|
Otros pasivos
|
75
|
Shareholders' equity
|
Recursos propios
|
76
|
Customer spread
|
Margen de clientes
|
77
|
Net interest margin as % of ATA
|
Margen de intereses sobre ATM
|
78
|
Customer loan yield
|
Rendimiento créditos a la clientela
|
79
|
Cost of customer funds
|
Coste depósitos de la clientela
|
80
|
Lending fees
|
Operaciones de activo
|
81
|
Guarantees commissions
|
Avales y otras garantías
|
82
|
Transferred to other entities
|
Cedidas a otras entidades
|
83
|
Risk transaction fees
|
Comisiones derivadas de operaciones de riesgo
|
84
|
Cards
|
Tarjetas
|
85
|
Payment orders
|
Órdenes de pago
|
86
|
Securities
|
Valores
|
87
|
Sight accounts
|
Cuentas a la vista
|
88
|
Other transactions
|
Resto
|
89
|
Commissions for services
|
Comisiones de servicios
|
90
|
Mutual funds
|
Fondos de inversión
|
91
|
Pension funds and insurance brokerage
|
Comercialización de fondos de pensiones y seguros
|
92
|
Mutual and pension fund and insurance commissions
|
Comisiones de fondos de inversión, de pensiones y seguros
|
93
|
IT and communications
|
Tecnología y comunicaciones
|
94
|
Advertising
|
Publicidad
|
95
|
Premises and office supplies
|
Inmuebles, instalaciones y material de oficina
|
96
|
Contributions and taxes
|
Contribuciones e impuestos
|
97
|
Others
|
Otros
|
98
|
Cash, cash balances at central banks and other demand deposits
|
Efectivo, saldos en efectivo en bancos centrales y otros depósitos a la vista
|
99
|
Trading and derivatives portfolios and other financial assets
|
Cartera de negociación, derivados y otros activos financieros
|
100
|
Available-for-sale financial assets
|
Activos financieros disponibles para la venta
|
101
|
Loans and receivables
|
Préstamos y partidas a cobrar
|
102
|
Loans and advances of central banks and credit institutions
|
Préstamos y anticipos a bancos centrales y entidades de crédito
|
103
|
Debt securities
|
Valores representativos de deuda
|
104
|
Investments in subsidaries, joint ventures and associates
|
Inversiones en negocios conjuntos y asociadas
|
105
|
Tangible assets
|
Activos tangibles
|
106
|
Intangible assets
|
Activos intangibles
|
107
|
Total assets
|
Total activo
|
108
|
Financial liabilities held for trading and fair value with changes in PL
|
Pasivos financieros mantenidos para negociar y a valor razonable con cambios en resultados
|
109
|
Financial liabilities at amortised cost
|
Pasivos financieros a coste amortizado
|
110
|
Central banks
|
Depósitos de bancos centrales
|
111
|
Credit institutions
|
Depósitos de entidades de crédito
|
112
|
Subordinated liabilities
|
Pasivos subordinados
|
113
|
Other financial liabilities
|
Otros pasivos financieros
|
114
|
Assets covered under insurance and reinsurance contracts
|
Pasivos amparados por contratos de seguros o reaseguro
|
115
|
Provisions
|
Provisiones
|
116
|
Subtotal liabilities
|
Total pasivo
|
117
|
Shareholders' equity
|
Fondos propios
|
118
|
Accumulated other comprehensive income
|
Otro resultado global acumulado
|
119
|
Minority interest
|
Intereses de minoritarios
|
120
|
Net equity
|
Patrimonio neto
|
121
|
Total liabilities and equity
|
Total patrimonio neto y pasivo
|
122
|
Contingent risks
|
Riesgos contingentes
|
123
|
Contingent liabilities
|
Compromisos contingentes
|
124
|
Total memorandum accounts
|
Total cuentas de orden
|
125
|
Mortgage loans & credits
|
Préstamos y créditos con garantía hipotecaria
|
126
|
Other secured loans & credits
|
Préstamos y créditos con otras garantías reales
|
127
|
Working capital
|
Crédito comercial
|
128
|
Other loans
|
Resto de préstamos
|
129
|
Other credits
|
Resto de créditos
|
130
|
Leasing
|
Arrendamiento financiero
|
131
|
Unsecured lending and others
|
Deudores a la vista y varios
|
132
|
Non-performing loans
|
Activos dudosos
|
133
|
Accruals
|
Ajustes por periodificación
|
134
|
Gross loans to customers,
|
Inversión crediticia bruta de clientes sin adquisición
|
135
|
excluding repos
|
temporal de activos
|
136
|
Reverse repos
|
Adquisición temporal de activos
|
137
|
Gross loans to customers
|
Inversión crediticia bruta de clientes
|
138
|
NPL and country-risk provisions
|
Fondo de provisiones para insolvencias y riesgo-país
|
139
|
Pro memoria: total securitisation
|
Promemoria: Total titulizaciones
|
140
|
Mortgage backed
|
Activos hipotecarios titulizados
|
141
|
Other securitised assets
|
Otros activos titulizados
|
142
|
Of which: securitised after 01.01.04
|
De los que: titulizaciones posteriores a 01.01.04
|
143
|
Gross loans and advances to customers, excluding repos
|
Inversión crediticia bruta de clientes sin adquisición temporal de activos
|
144
|
(€ million)
|
(en millones de € )
|
145
|
Net stage 3 entries
|
Entrada neta ordinaria (stage 3)
|
146
|
Change in foreclosed assets
|
Variación activos adjudicados
|
147
|
Net stage 3 entries + Change in foreclosed assets
|
Entrada neta ordinaria (stage 3) + Variación activos adjudicados
|
148
|
Write-offs
|
Fallidos
|
149
|
Foreclosed assets and stage 3 quarterly change
|
Variación trimestral de stage 3 y activos adjudicados
|
150
|
Stage 3 ratio (%)
|
Ratio stage 3 (%)
|
151
|
On-balance sheet customer funds
|
Recursos de clientes en balance
|
152
|
Customer deposits
|
Depósitos de clientes
|
153
|
Sight accounts
|
Cuentas a la vista
|
154
|
Savings accounts
|
Cuentas de ahorro
|
155
|
Fixed-term deposits
|
Depósitos a plazo
|
156
|
Repos
|
Cesión temporal de activos
|
157
|
Derivative hedging adjustments
|
Ajustes por cobertura con derivados
|
158
|
Debt and other marketable securities
|
Empréstitos y otros valores negociables
|
159
|
On-balance sheet funds
|
Recursos en balance
|
160
|
Equity funds
|
FI de renta variable
|
161
|
Balanced funds
|
FI mixtos
|
162
|
Fixed-income funds
|
FI de renta fija
|
163
|
Guaranteed return funds
|
FI garantizado
|
164
|
Real estate funds
|
FI inmobiliario
|
165
|
Dedicated investment companies
|
Sociedades de inversión
|
166
|
Third-party funds
|
IIC comercializadas no gestionadas
|
167
|
Managed accounts
|
Gestión de patrimonios
|
168
|
Pension funds
|
Fondos de pensiones
|
169
|
Individual
|
Individuales
|
170
|
Company
|
Empresas
|
171
|
Group
|
Asociativos
|
172
|
Third-party insurance products
|
Seguros comercializados
|
173
|
Funds under management and third-party funds
|
Recursos gestionados y comercializados
|
174
|
Issued capital
|
Capital
|
175
|
Reserves
|
Reservas
|
176
|
Other equity
|
Otros elementos de patrimonio neto
|
177
|
Less: treasury shares
|
Menos: acciones propias
|
178
|
Less: interim dividends
|
Menos: dividendos a cuenta
|
179
|
Mandatory convertible bonds
|
Obligaciones convertibles en acciones
|
180
|
Deductions
|
Deducciones
|
181
|
Common Equity Tier 1
|
Recursos Common Equity Tier 1
|
182
|
Common Equity Tier 1 (%)
|
Common Equity Tier 1 (%)
|
183
|
Preference shares and deductions
|
Acciones preferentes y deducciones
|
184
|
Primary capital
|
Recursos de primera categoría
|
185
|
Tier I - BS (non-consolidated basis) (%)
|
Tier I individual (%)
|
186
|
Secondary capital
|
Recursos de segunda categoría
|
187
|
Tier II - BS (non-consolidated basis) (%)
|
Tier II individual (%)
|
188
|
Total capital
|
Base de capital
|
189
|
Minimum capital requirement
|
Recursos mínimos exigibles
|
190
|
Capital surplus
|
Excedentes de recursos
|
191
|
Total capital ratio (%)
|
Ratio total de capital (%)
|
192
|
Risk weighted assets (RWA)
|
Activos ponderados por riesgo (APR)
|
193
|
Agency
|
Agencia
|
194
|
Date
|
Fecha
|
195
|
Long term
|
Largo Plazo
|
196
|
Short term
|
Corto plazo
|
197
|
Outlook
|
Perspectiva
|
198
|
Strength
|
Fortaleza
|
199
|
Positive
|
Positiva
|
200
|
Stable
|
Estable
|
201
|
Negative
|
Negativa
|
202
|
Gross operating
|
Margen
|
203
|
income
|
bruto
|
204
|
Profit
|
Beneficio
|
205
|
before
|
antes de
|
206
|
tax
|
impuestos
|
207
|
Average
|
Activos
|
208
|
total
|
totales
|
209
|
assets
|
medios
|
210
|
ROE
|
ROE
|
211
|
Gross
|
212
|
Cost /
| |
213
|
income
|
Ratio de
|
214
|
ratio
|
eficiencia
|
215
|
(€'000)
|
(miles de € )
|
216
|
Employees
|
Empleados
|
217
|
Domestic
|
Oficinas
|
218
|
branches
|
nacionales
|
219
|
Commercial banking
|
Banca Comercial
|
220
|
Corporate banking
|
Banca Corporativa
|
221
|
Private Banking
|
Banca Privada
|
222
|
Investment management
|
Gestión de Inversiones
|
223
|
Asset Transformation
|
Transformación de Activos
|
224
|
Total
|
Suma
|
225
|
Shareholders and trading
|
Accionistas y contratación
|
226
|
Number of shareholders
|
Número de accionistas
|
227
|
Average number of shares (million)
|
Número de acciones medias (en millones)
|
228
|
Average daily trading volume (millions shares)
|
Contratación media diaria (millones de acciones)
|
229
|
Share price (€ )
|
Valor de cotización (€ )
|
230
|
Opening session (of the year)
|
Inicio del año
|
231
|
High (of the year)
|
Máxima del año
|
232
|
Low (of the year)
|
Mínima del año
|
233
|
Closing session
|
Cierre del periodo
|
234
|
Gains and charges in the quarter TSB
|
Rendimientos y cargas TSB
|
235
|
Stock market multiples
|
Ratios bursátiles
|
236
|
Earnings per share (EPS) (€ )
|
Beneficio neto atribuido por acción (BPA) (€ )
|
237
|
Book value per share (€ )
|
Valor contable por acción (€ )
|
238
|
Price / Tangible book value (times)
|
P/TBV (valor de cotización s/ valor contable tangible)
|
239
|
Price / Earnings ratio (P/E) (times)
|
PER (valor de cotización / BPA)
|
240
|
Including conversion of
|
Considerando la conversión de obligaciones
|
241
|
convertible bonds:
|
necesariamente convertibles en acciones:
|
242
|
Fully diluted number of shares including
|
Número de acciones totales incluyendo las
|
243
|
conversion of convertible bonds
|
resultantes de la conversión
|
244
|
US GDP
|
PIB EEUU
|
245
|
Euro area GDP
|
PIB zona euro
|
246
|
US official interest rate
|
Tipo de interés oficial EEUU
|
247
|
Euro area official interest rate
|
Tipo de interés oficial zona euro
|
248
|
Balance sheet (€ million)
|
Balance (millones de € )
|
249
|
Of which: Customer funds
|
De los que: Recursos de clientes en balance
|
250
|
Pension funds and third-party insurance products
|
Fondos de pensiones y seguros comercializados
|
251
|
Profit and loss account (€ million)
|
Cuenta de resultados (millones de € )
|
252
|
Ratios (%)
|
Ratios (%)
|
253
|
ROA
|
ROA
|
254
|
Efficiency
|
Eficiencia
|
255
|
Cost / income ratio excluding non-recurrent expenses
|
Eficiencia sin gastos no recurrentes
|
256
|
Risk management
|
Gestión del riesgo
|
257
|
Non-performing loans (€ '000)
|
Riesgos morosos (miles de € )
|
258
|
NPL ratio excluding reclassifications (%)
|
Ratio de morosidad sin reclasificaciones (%)
|
259
|
Reserves for NPLs and real estate (€000)
|
Fondos para insolvencias y cobertura de inmuebles (miles de € )
|
260
|
Overall coverage ratio (%)
|
Ratio de cobertura global (%)
|
261
|
Share data (period end)
|
Accionistas y acciones (datos a fin de período)
|
262
|
Other data
|
Otros datos
|
263
|
Branches
|
Oficinas
|
264
|
Main Figures
|
Principales magnitudes
|
265
|
Accumulated quarterly results
|
Resultados trimestrales acumulados
|
266
|
Quarterly results
|
Resultados trimestrales simples
|
267
|
Yields
|
Rendimiento medio
|
268
|
Average cost
|
Coste medio
|
269
|
Commissions
|
Comisiones
|
270
|
Expenses
|
Gastos
|
271
|
Group balance sheet
|
Balance grupo
|
272
|
Loans and advances
|
Inversión crediticia
|
273
|
Funds under management
|
Recursos
|
274
|
Business units
|
Unidades de negocio
|
275
|
Share
|
Acción
|
276
|
Idioma / Language
|
Idioma / Language
|
277
|
Print
|
Imprimir
|
278
|
All documents
|
Todos los documentos
|
279
|
TSB Balance sheet
|
TSB Balance
|
280
|
Go to
|
Ir a
|
281
|
Pro forma
|
Proforma
|
282
|
Income from dividends
|
Ingresos por dividendos
|
283
|
Customer spread
|
Margen de clientes
|
284
|
Total assets
|
Total activos
|
285
|
Total funds
|
Total recursos
|
286
|
Stage 3 coverage ratio (%)
|
Ratio de cobertura stage 3 (%)
|
287
|
Stage 3 exposures (€ million)
|
Riesgos stage 3 (millones de € )
|
288
|
Provisions for NPLs and foreclosed properties
|
Provisiones para insolvencias e inmuebles adjudicados
|
289
|
available for sale (€ '000)
|
disponibles para la venta (miles de € )
|
290
|
Restated
|
Reexpresado
|
291
|
RuR Up*
|
RuR Up*
|
292
|
*Under Review Negative.
|
*Under Review Negative: bajo revisión negativa.
|
293
|
Profitability and efficiency ratios (%)
|
Rentabilidad y eficiencia (%)
|
294
|
Risk management
|
Gestión del riesgo
|
295
|
Brokered loans
|
Créditos mediación
|
296
|
Adjusted net loans and advances
|
Crédito neto ajustado
|
297
|
Loan-to-deposits ratio
|
Loan to deposits ratio
|
298
|
Covered bonds
|
Cédulas hipotecarias
|
299
|
GGB
|
Emisiones avaladas
|
300
|
Senior Debt
|
Deuda senior
|
301
|
Subordinated Debt
|
Subordinadas
|
302
|
Other mid- and long-term financial instruments
|
Otros instrumentos financieros a M y LP
|
303
|
Total
|
Total
|
304
|
Outstanding
|
Saldo
|
305
|
balance
|
vivo
|
306
|
Deposits
|
Depósitos
|
307
|
Retail isssues
|
Emisiones retail
|
308
|
Repos
|
Repos
|
309
|
ICO funding
|
Financiación ICO
|
310
|
Wholesale funding
|
Mercado mayorista
|
311
|
ECB
|
BCE
|
312
|
Total
|
Total financiación
|
313
|
Covered bonds
|
Cédulas hipotecarias
|
314
|
ECP + Yankee DC
|
Pagarés + Yankee CD
|
315
|
Securitisation
|
Titulizaciones
|
316
|
GGB
|
Deuda avalada
|
317
|
Total emisiones institucionales
|
Total emisiones institucionales
|
318
|
Dec 21
|
Dec-21
|
319
|
Real estate development and/or construction purposes
|
Promoción y construcción inmobiliaria
|
320
|
Construction purposes non-related to real estate dev.
|
Construcción no inmobiliaria
|
321
|
Large corporates
|
Empresas
|
322
|
SME and small retailers and self-employed
|
Pymes y autónomos
|
323
|
Individuals with 1st mortgage guarantee assets
|
Particulares con garantía de la primera hipoteca
|
324
|
Stage 3 ratio
|
Ratio stage 3
|
325
|
QoQ
|
intertrimestral
|
326
|
to customers (excluding repos
|
temporal de activos (sin activos dudosos)
|
327
|
and accrual adjustments)
|
ni ajustes por periodificación)
|
328
|
Change YoY (%)
|
Var. interanual (%)
|
329
|
Excl. TSB
|
Ex TSB
|
330
|
Memorandum item:
|
Promemoria:
|
331
|
(excluding TSB)
|
(ex TSB)
|
332
|
Performing gross loans
|
Inversión crediticia bruta de clientes sin adquisición
|
333
|
Stage 3 exposures
|
Riesgos stage 3
|
334
|
Total group
|
Total grupo
|
335
|
Risk transaction
|
Comisiones derivadas de
|
336
|
fees
|
operaciones de riesgo
|
337
|
Mutual and pension fund and
|
Comisiones de fondos de inversión,
|
338
|
insurance commissions
|
de pensiones y seguros
|
339
|
Pension funds and
|
Comercialización de fondos
|
340
|
insurance brokerage
|
pensiones y seguros
|
341
|
Financial assets held for trading and fair value with changes in PL
|
Activos financieros mantenidos para negociar y a valor razonable con cambios en resultados
|
342
|
Total recurrent operating expenses
|
Total gastos recurrentes
|
343
|
Gross loans to customers
|
Inversión crediticia bruta de clientes sin
|
344
|
customers (excluding repos
|
adquisición temporal de activos (sin
|
345
|
(NPLs and accrual
|
activos dudosos ni ajustes por
|
346
|
adjustments)
|
periodificación)
|
347
|
to customers (excluding repos)
|
adquisición temporal de activos
|
348
|
Customer spread excl. TSB
|
Margen de clientes ex TSB
|
349
|
Net interest margin as % of ATA excl. TSB
|
Margen de intereses sobre ATM ex TSB
|
350
|
Customer loan yield excl. TSB
|
Rendimiento créditos a la clientela ex TSB
|
351
|
Cost of customer funds excl. TSB
|
Coste depósitos de la clientela ex TSB
|
352
|
excluding repos and
|
temporal de activos (sin activos dudosos ni
|
353
|
accrual adjustments)
|
ajustes por periodificación)
|
354
|
Net extraordinary impacts
|
Impactos extraordinarios netos
|
355
|
Off-balance sheet customer funds
|
Total recursos fuera de balance
|
356
|
Average number of shares (million)
|
Número de acciones medias (millones)
|
357
|
conversion of convertible bonds (million)
|
resultantes de la conversión (millones)
|
358
|
Average total assets (€ million)
|
Activos totales medios (millones de € )
|
359
|
Earnings per share (€ )
|
Beneficio por acción (€ )
|
360
|
Income from equity method and dividends
|
Resultados método participación y dividendos
|
361
|
Net fees and commissions
|
Comisiones netas
|
362
|
Results from financial transactions (net)
|
Resultados de les operaciones financieras (neto)
|
363
|
Foreign exchange (net)
|
Diferencias de cambio (neto)
|
364
|
Other operating income/expense
|
Otros productos y cargas de explotación
|
365
|
Personnel expenses
|
Gastos de personal
|
366
|
Non-recurrent
|
No recurrentes
|
367
|
Other general expenses
|
Otros gastos generales de administración
|
368
|
Provisions for NPLs and other impairments
|
Provisiones para insolvencias y otros deterioros
|
369
|
Gains on sale of assets
|
Plusvalías por venta de activos
|
370
|
Badwill
|
Fondo de comercio negativo
|
371
|
Income tax
|
Impuesto sobre beneficios
|
372
|
Minority interest
|
Resultado atribuido a intereses minoritarios
|
373
|
(€'000)
|
(en miles de € )
|
374
|
(€ million)
|
(en millones de € )
|
375
|
Loans and advances to customers
|
Préstamos y anticipos a la clientela
|
376
|
Market capitalisation (€ million)
|
Capitalización bursátil (millones de € )
|
377
|
% Stage / Total Loans
|
% Stage s/ Total inversión
|
378
|
Other impairments
|
Otras dotaciones y deterioros
|
379
|
Capital management
|
Gestión del capital
|
380
|
Liquidity management (%)
|
Gestión de la liquidez (%)
|
381
|
Clients
|
Clientes
|
382
|
Gross entries (stage 3)
|
Entradas brutas (stage 3)
|
383
|
Recoveries and sales
|
Recuperaciones y ventas
|
384
|
Leverage ratio (%)
|
Leverage ratio (%)
|
385
|
Sight Accounts
|
Cuentas a la vista
|
386
|
Term accounts / Fix term deposits
|
Cuentas a plazo / Depósitos a tipo fijo
|
387
|
Ofex inv. / Foreign S.
|
Inver. Ofex / Filiales / F.extranjeras
|
388
|
Others
|
Resto
|
389
|
Mar 23 % RWA
|
Mar 23 % APR
|
390
|
Mar 23 % LRE
|
Mar 23 % LRE
|
391
|
Loans Excl. NPL (1)
|
Inversión sin dudosos (1)
|
392
|
NPL
|
Dudosos
|
393
|
Coverage ratio
|
Ratio de cobertura
|
394
|
Accumulated December
|
Acumulado diciembre
|
395
|
Off-balance sheet customer funds
|
Recursos fuera de balance
|
396
|
Customer Deposits
|
Depósitos de la clientela
|
397
|
Franchise Lending
|
Préstamos franquicia
|
398
|
Mortgage Enhancement
|
Mejoras hipotecarias
|
399
|
Customer Lending
|
Crédito a la clientela
|
400
|
Net interest income
|
Margen de intereses
|
401
|
Other income
|
Otros ingresos
|
402
|
Total income
|
Margen bruto
|
403
|
Operating expenses
|
Gastos de administración
|
404
|
Impairment
|
Deterioros
|
405
|
Franchise management profit / (loss)
|
Beneficio (Pérdida) franquicia
|
406
|
Group management profit
|
Beneficio del grupo
|
407
|
Change QoQ
|
Variación QoQ
|
408
|
ExTSB Jun-21
|
ExTSB Jun-21
|
409
|
(in thousands pounds)
|
(en miles de GBP)
|
410
|
Total capital ratio - BS (non-consolidated basis) (%)
|
Ratio total de capital individual (%)
|
411
|
Performing gross loans to customers (excluding repos and accrual adjustments)):
|
Inversión crediticia bruta de clientes sin adquisición temporal de activos (sin activos dudosos ni ajustes por periodificación):
|
412
|
On-balance sheet customer funds:
|
Recursos de clientes en balance:
|
413
|
Recurrent expenses
|
Gastos recurrrentes
|
414
|
Non-recurrent expenses
|
Gastos no recurrentes
|
415
|
Addition of TSB
|
Incorporación de TSB
|
416
|
Movements reflected in the income statement (*)
|
Movimientos con reflejo en resultados de insolvencias (*)
|
417
|
Movements not reflected in impairment losses
|
Movimientos sin reflejo en resultados de insolvencias
|
418
|
Utilization of provisions
|
Utilización de provisiones constituidas
|
419
|
Other movements (**)
|
Otros movimientos (**)
|
420
|
Adjustments for exchange differences
|
Ajustes por diferencias de cambio
|
421
|
Operating expenses
|
Gastos de explotación
|
422
|
Profit and loss 1Q22
|
Cuenta de resultados 1T22
|
423
|
Profit and loss 1Q23
|
Cuenta de resultados 1T23
|
424
|
Balance sheet 1Q22
|
Balance 1T22
|
425
|
Balance sheet 1Q23
|
Balance 1T23
|
426
|
ExTSB Mar-22
|
ExTSB Mar-22
|
427
|
Group Dec-22
|
Grupo Dic-22
|
428
|
Group Mar-23
|
Grupo Mar-23
|
429
|
Standard risks
|
Normal
|
430
|
Of which: stage 3
|
Del que: stage 3
|
431
|
Doubtful risks
|
Dudosos
|
432
|
Public sector
|
Administraciones Públicas
|
433
|
Companies and self employed
|
Empresas y autónomos
|
434
|
Of which: Financing for construction and real estate development
|
Del que: Financiación a la construcción y promoción
|
435
|
Individuals
|
Particulares
|
436
|
Provisions
|
Provisiones
|
437
|
Unsecured
|
Sin garantía hipotecaria
|
438
|
Morgage security
|
Con garantía hipotecaria
|
439
|
Finished buildings
|
Edificios terminados
|
440
|
Housing
|
Vivienda
|
441
|
Rest
|
Resto
|
442
|
Buildings under construction
|
Edificios en construcción
|
443
|
Land
|
Suelo
|
444
|
Building land
|
Terrenos urbanizados
|
445
|
Other land
|
Resto del suelo
|
446
|
Loans: gross amount
|
Crédito: importe bruto
|
447
|
Real estate assets deriving from financing of construction and real estate development
|
Activos inmobiliarios procedentes de financiaciones destinadas a la construccion y promoción inmobiliaria
|
448
|
Real estate assets deriving from home loan mortgages
|
Activos inmobiliarios procedentes de financiaciones hipotecarias a hogares para adquisición de vivienda
|
449
|
Real estate assets acquired in discharge of debts
|
Resto de activos inmobiliarios recibidos en pago de deudas
|
450
|
Equity instruments of companies holding foreclosed assets or acquired in discharge of debts
|
Instrumentos de capital de entidades tenedoras de activos inmobiliarios adjudicados o recibidos en pago de deudas
|
451
|
Total real-estate portfolio
|
Total cartera de inmuebles
|
452
|
(*) Financing to non-consolidated investees is included in the first table in this note.
|
(*) La financiación a sociedades participadas que no consolidan está incluida en el primero de los cuadros de la presente nota.
|
453
|
Carrying Value net
|
Valor contable neto
|
454
|
Of which: Coverage
|
Del que: Cobertura
|
455
|
Total costs
|
Total costes
|
456
|
Watch Negative
|
Watch Negativo
|
457
|
Preferred Shares and convertible bonds
|
Acciones preferentes y obligaciones convertibles
|
458
|
Banking business Spain
|
Negocio bancario España
|
459
|
Real Estate asset transformation
|
Transformación de activos inmobiliarios
|
460
|
Banking business United Kingdom
|
Negocio bancario Reino Unido
|
461
|
Group total capital ratio (%)
|
Ratio total de capital grupo (%)
|
462
|
Corporates
|
Empresas
|
463
|
SMEs
|
Pymes
|
464
|
Individual borrowers
|
Particulares
|
465
|
Public authorities
|
Administraciones públicas
|
466
|
Real estate development
|
Promoción
|
467
|
Others
|
Otros
|
468
|
Finished buildings
|
Edificios terminados
|
469
|
Land
|
Terrenos
|
470
|
Under construction
|
En construcción
|
471
|
Finished product
|
Producto acabado
|
472
|
Profit / (loss) before taxes
|
Resultado contable antes de impuestos
|
473
|
Domestic tax rate (30%)
|
Tipo impositivo nacional (30%)
|
474
|
Ingresos no gravados (diferencia negativa de consolidación)
|
Ingresos no gravados (diferencia negativa de consolidación)
|
475
|
Diferencia tasa efectiva sociedades en extranjero
|
Diferencia tasa efectiva sociedades en extranjero
|
476
|
Reserva de capitalización/Deducciones generadas/Gastos no deducibles
|
Reserva de capitalización/Deducciones generadas/Gastos no deducibles
|
477
|
Income subject to lower tax rates (dividends and international source income)
|
Ingresos con menor tasa fiscal (dividendos y renta fuente internacional)
|
478
|
Income associates entities
|
Ingresos entidades asociadas
|
479
|
Rest
|
Resto
|
480
|
Corporate income tax expense
|
Gasto por impuesto sociedades
|
481
|
Effective tax rate
|
Tipo impositivo efectivo
|
482
|
Mar 21
|
Mar 21
|
483
|
Jun 21
|
Jun 21
|
484
|
Sep 21
|
Sep 21
|
485
|
Change
|
Variación
|
486
|
Share price (€ )
|
Valor de cotización (€ )
|
487
|
Market capitalisation (€ million)
|
Capitalización bursátil (millones € )
|
488
|
Earnings per share (EPS) (€ )
|
Beneficio neto atribuido por acción (BPA) (€ )
|
489
|
Book value per share (€ )
|
Valor contable por acción (€ )
|
490
|
Institutional investors
|
Inversores institucionales
|
491
|
Retail shareholders
|
Accionistas minoristas
|
492
|
Change YoY:
|
Variación YoY:
|
493
|
Change QoQ:
|
Variación QoQ:
|
494
|
Change monthly:
|
Variación mensual:
|
495
|
Change excl. TSB QoQ:
|
Variación Ex TSB QoQ:
|
496
|
Change excl. TSB YoY:
|
Variación Ex TSB YoY:
|
497
|
Recurrent:
|
Recurrente:
|
498
|
at constant FX
|
a tipo constante
|
499
|
Volumes
|
Volúmenes
|
500
|
Yield
|
Rendimiento
|
501
|
Calendar days
|
Número de días
|
502
|
FX impact
|
Efecto divisa
|
503
|
Mar 22
|
Mar 22
|
504
|
Jun 22
|
Jun 22
|
505
|
Sep 22
|
Sep 22
|
506
|
Dec 22
|
Dic 22
|
507
|
Exchange rate
|
Tipo de cambio
|
508
|
Evolution of net interest income
|
Evolución margen de intereses
|
509
|
Accum.
|
Acum.
|
510
|
in GBP
|
en GBP
|
511
|
Other Off-Balance (1)
|
Otros recursos fuera de balance (1)
|
512
|
Asset Mgmt
|
Gestión de activos
|
513
|
Lending
|
Inversión
|
514
|
Services
|
Servicios
|
515
|
Wealth management
|
Gestión patrimonios
|
516
|
Recurrent
|
Recurrente
|
517
|
Non recurrent
|
No recurrente
|
518
|
NPA provisions
|
Dotaciones carteras
|
519
|
Asset Under Management commissions
|
Comisiones de gestión de activos
|
520
|
Total group (*)
|
Total grupo (*)
|
521
|
(*) Change on performing gross loans.
|
(*) Variación sobre la inversión crediticia bruta viva.
|
522
|
Excl. TSB (*)
|
Ex TSB (*)
|
523
|
(*) Change on on-balance sheet customer funds.
|
(*) Variación sobre los recursos de clientes en balance.
|
524
|
Others (1)
|
Otros (1)
|
525
|
Income from equity method
|
Resultados método participación
|
526
|
Efficiency with amortisation & depreciation
|
Eficiencia con amortización
|
527
|
Operating expenses and amortisation
|
Gastos de explotación y amortización
|
528
|
Custodian mutual and pension funds
|
Depositaría FI y FP
|
529
|
(excluding repos)
|
adquisición temporal de activos
|
530
|
balances with financial institutions
|
depósitos en entidades de crédito
|
531
|
Venture capital funds
|
FI de capital riesgo
|
532
|
Accruals and derivative hedging adjustments
|
Ajustes por periodificación y cobertura con derivados
|
533
|
Subordinated debt
|
Deuda subordinada
|
534
|
Maturities
|
Vencimientos
|
535
|
New issues
|
Nuevas emisiones
|
536
|
1Q21 one-offs
|
1T21 one-offs
|
537
|
Managed mutual funds
|
FI gestionados
|
538
|
Accumulated other comprehensive income
|
Otro resultado global acumulado
|
539
|
Problematic Real Estate coverage ratio (%)
|
Ratio de cobertura de inmuebles problemáticos (%)
|
540
|
Stage 3 assets
|
Activos stage 3
|
541
|
Problematic assets coverage
|
Ratio de cobertura de activos problemáticos
|
542
|
Problematic RE Assets
|
Activos inmobiliarios problemáticos
|
543
|
Total problematic assets
|
Total activos problemáticos
|
544
|
Problematic assets coverage (%)
|
Ratio de cobertura de activos problemáticos (%)
|
545
|
Stage 3 coverage ratio with total provisions
|
Ratio de cobertura stage 3 con total provisiones
|
546
|
2nd Quarter
|
2o trimestre
|
547
|
Performing gross loans
|
Inversión crediticia bruta viva
|
548
|
Provisions for NPLs and other impairments
|
Dotaciones a insolvencias y otras dotaciones y deterioros
|
549
|
Provisions for other financial assets
|
Dotaciones a otros activos financieros
|
550
|
Institutional issues
|
Emisiones institucionales
|
551
|
Non-retail financial liabilities
|
Pasivos financieros sin naturaleza minorista
|
552
|
Other financial corporations and individual entrepreneurs (financial business activity)
|
Otras sociedades financieras y empresarios individuales (actividad empresarial financiera)
|
553
|
Non financial corporations and individual entrepreneurs (non-financial business activity)
|
Sociedades no financieras y empresarios individuales (actividad empresarial no financiera)
|
554
|
Construction and real estate development (including land)
|
Construcción y promoción inmobiliaria (incluido suelo)
|
555
|
Construction of civil works
|
Construcción de obra civil
|
556
|
Other purposes
|
Resto de finalidades
|
557
|
Large companies
|
Grandes empresas
|
558
|
SMEs and sole proprietors
|
Pymes y empresarios individuales
|
559
|
Rest of households
|
Resto de hogares
|
560
|
Properties
|
Viviendas
|
561
|
Consumption
|
Consumo
|
562
|
Other purposes
|
Otros fines
|
563
|
Less: Specific allowances for the impairment of assets not charged to specfic operations
|
Menos: Correcciones de valor por deterioro de activos no imputadas a operaciones concretas
|
564
|
Of which: mortgage loans
|
De los cuales: garantía inmobiliaria
|
565
|
Of which: other collaterised loans
|
De los cuales: resto de garantías reales
|
566
|
Less than or equal to 40%
|
Inferior o igual al 40%
|
567
|
Greater than 40% or equal to 60%
|
Superior al 40% e inferior o igual al 60%
|
568
|
Greater than 60% and less than or equal to 80%
|
Superior al 60% e inferior o igual al 80%
|
569
|
Greater than 80% and less than or equal to 100%
|
Superior al 80% e inferior o igual al 100%
|
570
|
Greater than 100%
|
Superior al 100%
|
571
|
Collaterised loans. Carrying amount over last available appraisal. Loan to value
|
Préstamos con garantía real. Importe en libros sobre importe de la última tasación disponible. Loan to value
|
572
|
MEMORANDUM ITEM Refinancing, refinanced and restructured operations.
|
PROMEMORIA Operaciones de refinanciación, refinanciadas y reestructuradas
|
573
|
Finished buildings
|
Edificios y otras construcciones terminados
|
574
|
Buildings and others under construction
|
Edificios y otras construcciones en construcción
|
575
|
Building land
|
Suelo urbano consolidado
|
576
|
Other land
|
Resto de terrenos
|
577
|
Other foreclosed real estate assets or received in discharge of debts
|
Resto de activos inmobiliarios adjudicados o recibidos en pago de deudas
|
578
|
Foreclosed equity instruments or received in discharge of debts
|
Instrumentos de capital adjudicados o recibidos en pago de deudas
|
579
|
Equity instruments of entities holding foreclosed real estate assets or received in discharge of debts
|
Instrumentos de capital de entidades tenedoras de activos inmobiliarios adjudicados o recibidos en pago de deudas
|
580
|
Financing to entities holding foreclosed real estate assets or received in discharge of debts
|
Financiación a entidades tenedoras de activos inmobiliarios adjudicados o recibidos en pago de deudas
|
581
|
Gross amount
|
Importe en libros bruto
|
582
|
Allowances for losses
|
Correcciones de valor
|
583
|
Movements reflected in provisions for NPLs
|
Movimientos con reflejo en resultados de insolvencias
|
584
|
Movements not reflected in provisions for NPLs
|
Movimientos sin reflejo en resultados de insolvencias
|
585
|
Utilisation of provisions
|
Utilización de provisiones constituidas
|
586
|
Other movements (*)
|
Otros movimientos (*)
|
587
|
Initial balance
|
Saldo Inicial
|
588
|
Final balance
|
Saldo Final
|
589
|
Debt securities issued
|
Valores representativos de deuda emitidos
|
590
|
(1) Includes pension funds, third-party insurance products and managed accounts.
|
(1) Incluye fondos de pensiones, seguros comercializados y gestión de patrimonios.
|
591
|
Shows the % of stage 3 exposures covered by stage 3 provisions. Calculated using the ratio between the stage 3 allowance of loans and advances to customers (including stage 3 allowances for guarantees granted) / total stage 3 exposures (including stage 3 guarantees granted).
|
Muestra el porcentaje de riesgos stage 3 que está cubierto por provisiones stage 3. Su cálculo se compone del cociente entre el fondo de deterioro de los préstamos y anticipos a la clientela stage 3 (incluyendo los fondos de las garantías concedidas stage 3) / total de riesgos stage 3 (incluyendo las garantías concedidas stage 3).
|
592
|
3rd Quarter
|
3r trimestre
|
593
|
Definition and calculation
|
Definición y cálculo
|
594
|
Alternative Performance measures
|
Medida de rendimiento
|
595
|
Loan-to-deposits ratio (%)
|
Loan to deposits ratio (%)
|
596
|
Efficiency ratio
|
Ratio de eficiencia
|
597
|
Off-balance sheet customer funds
|
Recursos de clientes fuera de balance
|
598
|
Problematic assets
|
Activos problemáticos
|
599
|
Problematic Real Estate coverage ratio
|
Ratio de cobertura de inmuebles problemáticos
|
600
|
Market capitalisation
|
Capitalización bursátil
|
601
|
Earnings per share
|
Beneficio neto atribuido por acción
|
602
|
Book value per share
|
Valor contable por acción
|
603
|
Net loans and receivables divided by retail funding. The numerator excludes mediation loans. The denominator considers real estate funding and customer funds.
|
Préstamos y partidas a cobrar netas sobre financiación minorista. El numerador excluye los créditos de mediación. En el denominador, se considera la financiación minorista o los recursos de clientes.
|
604
|
Comprised of the following accounting items: gross income plus administration and amortisation/depreciation expenses.
|
Se compone de las partidas contables: margen bruto más los gastos de administración y amortización.
|
605
|
Difference between return and cost of assets and liabilities related to customers. The ratio has been calculated taking into account the difference between the average rate charged by the bank for customers loans and the average rate paid by the bank for the customers deposits. The average customers loans rate is the annualised ratio between the financial income from customer loans and the average daily balance of customer loans. The average rate of customers funds is the annualised ratio between the financial expenses on customers funds and the average daily balance of customers funds.
|
Es la diferencia entre el rendimiento y los costes de los activos y pasivos relacionados con clientes. En su cálculo se considera la diferencia entre el tipo medio que el banco cobra por los créditos a sus clientes y el tipo medio que el banco paga por los depósitos de sus clientes. El tipo medio del crédito a clientes es el porcentaje anualizado entre el ingreso financiero contable del crédito a clientes en relación al saldo medio diario del crédito a clientes. El tipo medio de los recursos de clientes es el porcentaje anualizado entre los costes financieros contables de los recursos de clientes en relación al saldo medio diario de los recursos de clientes.
|
606
|
Shows the % of stage 3 exposures covered by total provisions. Calculated using the ratio between the allowance of loans and advances to customers (including allowances for guarantees granted) / total stage 3 exposures (including stage 3 guarantees granted).
|
Muestra el porcentaje de riesgos stage 3 que está cubierto por provisiones totales. Su cálculo se compone del cociente entre el fondo de deterioro de los préstamos y anticipos a la clientela (incluyendo los fondos de las garantías concedidas) / total de riesgos stage 3 (incluyendo las garantías concedidas stage 3).
|
607
|
Administrative expenses / adjusted gross income. The denominator includes the linear accrual of contributions to deposit guarantee fund and resolution fund, tax on deposits of credit institutions, and banking tax (BT), except year end.
|
Gastos de administración / margen bruto ajustado. El denominador incluye la periodificación lineal de las contribuciones a los fondos de garantía y de resolución, el impuesto sobre depósitos de las entidades de crédito, y el gravamen a la banca (GB), a excepción de cierre de año.
|
608
|
Calculated using the ratio where the numerator includes: i) the assets classified in stage 3 including other valuation adjustments (accrued interest, commissions and others) classified in stage 3 of loans and advances that are not classified as non-current assets held for sale and ii) the guarantees granted classified in stage 3. The denominator includes: (i) gross loans to customers excluding repos and (ii) guarantees granted.
|
Su cálculo se compone de un cociente donde en el numerador se incluyen: i) los activos clasificados en el stage 3 incluyendo otros ajustes de valoración (intereses devengados, comisiones y otros) clasificados en el stage 3 de los préstamos y anticipos que no estén clasificados como activos no corrientes mantenidos para la venta y ii) las garantías concedidas clasificadas en el stage 3. En el denominador se incluyen: i) la inversión crediticia bruta de clientes sin adquisiciones temporales de activos y ii) las garantías concedidas.
|
609
|
Includes customer deposits (ex repos) and other liabilities placed by the branch network (Banco Sabadell non-convertible bonds, commercial paper and others).
|
Incluye depósitos de clientes (ex-repos) y otros pasivos colocados por la red comercial (bonos simples de Banco Sabadell, pagarés y otros).
|
610
|
Includes mutual funds, asset management, pension funds and third-party insurance products.
|
Incluye los fondos de inversión, gestión de patrimonios, fondos de pensiones y seguros comercializados.
|
611
|
Includes accounting sub-headings of customer deposits, debt securities issueds (debt and other tradable securities and subordinated liabilities).
|
Incluye las subpartidas contables de depósitos de la clientela, valores representativos de deuda emitidos (empréstitos y otros valores negociables y pasivos subordinados).
|
612
|
Sum of on-balance sheet and off-balance sheet customer funds.
|
Es la suma de los recursos en balance y los recursos de clientes fuera de balance.
|
613
|
Includes: (i) stage 3 assets including other valuation adjustments (accrued interest, commissions and others) classified in stage 3 of loans and advances that are not classified as non-current assets held for sale and ii) guarantees granted classified in stage 3.
|
Se incluyen: i) los activos clasificados en el stage 3 incluyendo otros ajustes de valoración (intereses devengados, comisiones y otros) clasificados en el stage 3 de los préstamos y anticipos que no estén clasificados como activos no corrientes mantenidos para la venta y ii) las garantías concedidas clasificadas en el stage 3.
|
614
|
Sum of stage 3 exposures and problematic real estate assets. Also referred to as non-perfoming assets (NPAs).
|
Es la suma de los riesgos stage 3 junto con los activos inmobiliarios problemáticos.
|
Activos inmobiliarios problemáticos
|
Actius immobiliaris problemàtics
|
615
|
Ratio between allowances for impairment of problematic RE assets / total problematic RE assets. Amount of problematic RE assets includes property classified in the portfolio of non-current asset and disposable groups classified as held for sale, excluding real estate investments with significant latent capital gains and rental properties, for which there is an agreement of sale that will be carried out after a reform process.
|
Es el cociente entre los fondos por deterioro de activos inmobiliarios problemáticos/total de activos inmobiliarios problemáticos. El importe de activos inmobiliarios problemáticos incluye los inmuebles clasificados en la cartera de activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta, a excepción de inversiones inmobiliarias con plusvalía latente significativa e inmuebles en régimen de alquiler, para los que existe un acuerdo de venta que se llevará a cabo tras un proceso de reforma.
|
616
|
Consolidated income during the year / ATA. In the numerator the annualization of the profit obtained to date is considered and adjusted by contributions to deposit guarantee and resolution funds (DGF and SRF), tax on deposits of credit institutions (IDEC), and banking tax (BT) except year end.
|
Resultado consolidado del ejercicio / activos totales medios. En el numerador se considera la anualización del beneficio obtenido hasta la fecha y se periodifica el gasto relativo a las contribuciones a los fondos de garantía y de resolución (FGD y FUR), el impuesto sobre depósitos de las entidades de crédito (IDEC), y el gravamen a la banca (GB), a excepción de cierre de año.
|
617
|
Profit attributed to the Group / average equity. In the numerator the annualization of the profit obtained to date is considered and adjusted by contributions to deposit guarantee and resolution funds (DGF and SRF), tax on deposits of credit institutions (IDEC), and banking tax (BT), except year end.
|
Beneficio atribuido al grupo / fondos propios medios. En el numerador se considera la anualización del beneficio obtenido hasta la fecha y se periodifica el gasto relativo a las contribuciones a los fondos de garantía y de resolución (FGD y FUR), el impuesto sobre depósitos de las entidades de crédito (IDEC), y el gravamen a la banca (GB), a excepción de cierre de año.
|
618
|
Profit attributed to the Group / risk-weighted assets (RWA). In the numerator the annualization of the profit obtained to date is considered and adjusted by contributions to deposit guarantee and resolution funds (DGF and SRF),tax on deposits of credit institutions (IDEC) and banking tax (BT), except year end.
|
Beneficio atribuido al grupo / activos ponderados por riesgo (APR). En el numerador se considera la anualización del beneficio obtenido hasta la fecha y se periodifica el gasto relativo a las contribuciones a los fondos de garantía y de resolución (FGD y FUR), el impuesto sobre depósitos de las entidades de crédito (IDEC), y el gravamen a la banca (GB), a excepción de cierre de año.
|
619
|
Profit attributed to the Group / average equity. In the numerator the annualization of the profit obtained to date is considered and adjusted by contributions to deposit guarantee and resolution funds (DGF and SRF), tax on deposits of credit institutions (IDEC) and banking tax (BT), except year end. The denominator excludes intangible assets and the goodwill of the investees.
|
Beneficio atribuido al grupo / fondos propios medios. En el numerador se considera la anualización del beneficio obtenido hasta la fecha y se periodifica el gasto relativo a las contribuciones a los fondos de garantía y de resolución (FGD y FUR), el impuesto sobre depósitos de las entidades de crédito (IDEC), y el gravamen a la banca (GB), a excepción de cierre de año. En el denominador se excluye el importe de los activos intangibles y el fondo de comercio de las participadas.
|
620
|
Share price multiplied by the average number of outstanding shares at the end of the period.
|
Es el producto del valor de cotización de la acción y el número de acciones medias en circulación a fecha de cierre del período.
|
621
|
Ratio between net profit attributed to the Group and the average number of outstanding shares at the end of the period. In the numerator the annualization of the profit obtained to date is considered and adjusted by the Additional Tier I coupon payment registered in equity as well as by contributions to deposit guarantee and resolution funds (DGF and SRF), tax on deposits of credit institutions (IDEC) and banking tax (BT), except year end.
|
Es el cociente del beneficio neto atribuido al grupo entre el número de acciones medias en circulación a fecha de cierre del período. En el numerador se considera la anualización del beneficio obtenido hasta la fecha y ajustado por el importe del cupón del Additional Tier I registrado en fondos propios. Asimismo, en el numerador se periodifica hasta la fecha el gasto relativo a las contribuciones a los fondos de garantía y de resolución (FGD y FUR), el impuesto sobre depósitos de las entidades de crédito (IDEC), y el gravamen a la banca (GB), a excepción de cierre de año.
|
622
|
Ratio between book value / average number of outstanding shares at the end of the period. Book value refers to equity, adjusted by contributions to deposit guarantee and resolution funds (DGF and SRF), tax on deposits of credit institutions (IDEC) and banking tax (BT), except at year end.
|
Es el cociente entre el valor contable / número de acciones medias en circulación a fecha de cierre del período. Por valor contable se considera la suma de los fondos propios, ajustado por el devengo relativo de las contribuciones a los fondos de garantía y de resolución (FGD y FUR), el impuesto sobre depósitos de las entidades de crédito (IDEC), y el gravamen a la banca (GB), a excepción de cierre de año.
|
623
|
Ratio between share price / tangible book value per share.
|
Es el cociente entre el precio o valor de cotización de la acción / valor contable tangible por acción.
|
624
|
Ratio between share price / earnings per share.
|
Es el cociente entre el precio o valor de cotización de la acción / beneficio neto atribuible por acción.
|
625
|
Page
|
Página
|
626
|
Gross carrying amount problematic assets
|
Importe bruto activos problemáticos
|
627
|
Allowances for impairment losses of problematic assets
|
Correcciones de valor por deterioro de activos problemáticos
|
628
|
National Foreclosed assets
|
Activos adjudicados territorio nacional
|
629
|
Total problematic assets (€ million)
|
Total activos problemáticos (millones de € )
|
630
|
Acquired through TSB
|
Adquisición TSB
|
631
|
Includes loans and advances to customers excluding impairment alowances.
|
Incluye los préstamos y anticipos a la clientela sin tener en cuenta las correciones de valor por deterioro.
|
632
|
Includes gross loans to customers excluding repos, stage 3 assets and accrual adjustments.
|
También denominado crédito vivo, incluye la inversión crediticia bruta de clientes sin tener en cuenta la adquisición temporal de activos, los ajustes por periodificación y los activos stage 3.
|
633
|
Sales
|
Ventas
|
634
|
Foreign currency and notes exchange
|
Cambio de billetes y divisas
|
635
|
at fixed
|
a tipo
|
636
|
FX
|
constante
|
637
|
Recurrent personnel expenses
|
Gastos de personal recurrentes
|
638
|
Total non-recurrent costs
|
Total costes no recurrentes
|
639
|
Recurrent other general expenses
|
Otros gastos generales recurrentes
|
640
|
Adjunted provisions for NPLs
|
Dotaciones a insolvencias ajustadas
|
641
|
Unsecured lending and others (2)
|
Deudores a la vista y varios(2)
|
642
|
(2) Includes ICO loans.
|
(2) Incluye préstamos ICO.
|
643
|
Held to maturity investments
|
Inversiones mantenidas hasta el vencimiento
|
644
|
RE Problematic Assets
|
Activos inmobiliarios Problemáticos
|
645
|
Total recurrent
|
Total recurrentes
|
646
|
Constant FX
|
TC constante
|
647
|
Of which: AT1
|
De las que: AT1
|
648
|
Profit and loss and balance sheet other international business
|
Cuenta de resultados y balance otro negocio internacional
|
649
|
Net trading income and exchange differences
|
Resultados operaciones financieras y diferencias de cambio
|
650
|
NPLs costs
|
Gastos NPLs
|
651
|
Mar 23
|
Mar 23
|
652
|
Jun 23
|
Jun 23
|
653
|
Sep 23
|
Sep 23
|
654
|
Dec 23
|
Dic 23
|
655
|
CET 1 - BS (non-consolidated basis) (%)
|
CET 1 individual (%)
|
656
|
Wholesale funding
|
Coste financiación mayorista
|
657
|
Costs
|
Costes
|
658
|
Performing gross loans (2)
|
Inversión crediticia bruta viva (2)
|
659
|
Total customer funds
|
Total recursos de clientes
|
660
|
Loans and advances to customers (2)
|
Préstamos y anticipos a la clientela (2)
|
661
|
Includes the following accounting items: other operating income and other operating expense as well as income from assets and expenses on liabilities under insurance or reinsurance contracts.
|
Se compone de las partidas contables de: otros ingresos y otros gastos de explotación así como ingresos de activos y gastos de pasivos amparados por contratos de seguro o reaseguro.
|
662
|
Includes the following accounting items: derivatives - hedge accounting, fair value changes of the hedged items in portfolio hedge of interest rate risk, tax assets, other assets, assets under insurance or reinsurance contracts and non-current assets and disposal groups classified as held for sale.
|
Se compone de las partidas contables de: derivados - contabilidad de coberturas, cambios del valor razonable de los elementos cubiertos de una cartera con cobertura del riesgo de tipo de interés, activos por impuestos, otros activos, activos amparados por contratos de seguro o reaseguro y activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta.
|
663
|
Includes the following accounting items: derivatives - hedge accounting, tax liabilities, fair value changes of the hedged items in portfolio hedge of interest rate risk, other liabilities and liabilities included in disposal groups classified as held for sale.
|
Se compone de las partidas contables de: derivados - contabilidad de coberturas, cambios del valor razonable de los elementos cubiertos de una cartera con cobertura del riesgo de tipo de interés, pasivos por impuestos, otros pasivos y pasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la venta.
|
664
|
4th Quarter
|
4º trimestre
|
665
|
Financial institutions (2)
|
Entidades de crédito (2)
|
666
|
Other liabilities and shareholders' equity
|
Otros pasivos y recursos propios
|
667
|
Performing gross loans
|
Inversión crediticia bruta viva o crédito vivo
|
668
|
Evolution of NPLs and RE Assets Group
|
Evolución dudosos y activos inmobiliarios grupo
|
669
|
Franchise and Whistletree
|
Franquicia y Whistletree
|
670
|
Other operating income
|
Otros resultados
|
671
|
Total operating expenses (excl. one-offs)
|
Costes operativos (excl. one-offs)
|
672
|
Impairment on loans & advances
|
Provisiones y deterioros
|
673
|
Management profit (excl. one-offs)
|
Beneficio de gestión antes de impuestos (excl. one-offs)
|
674
|
Other operating income
|
Otros resultados
|
675
|
Tax income
|
Impuesto de Sociedades
|
676
|
Statutory Profit after Tax
|
Beneficio estatutario despues de impuestos
|
677
|
(in million pounds)
|
(en millones de GBP)
|
678
|
Franchise and Whistletree customer lending
|
Inversión crediticia de la franquicia y Whistletree
|
679
|
Total Customer lending (Net)
|
Total inversión crediticia neta
|
680
|
Savings deposits
|
Cuentas de ahorro
|
681
|
Current account deposits
|
Cuentas corrientes
|
682
|
Business banking deposits
|
Cuentas corrientes corporativas
|
683
|
Total customer deposits
|
Depósitos de la clientela
|
684
|
CET 1 Capital ratio
|
Ratio de capital CET 1
|
685
|
Other net customer lending
|
Otra inversión crediticia neta
|
686
|
Includes the following accounting items: (i) provisions or reversal of provisions, (ii) impairment or reversal of impairment on financial assets not measured at fair value through profit or loss and net modification losses or gains, (iii) impairment of reversal of impairment of investments in joint ventures and associates, (iv) impairment or reversal of impairment on non-financial assets, (v) profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations (excluding gains or losses on sales of equity holdings and other items) and (vi) investment properties in the net gains or losses on derecognition of non-financial assets.
|
Se compone de las partidas contables de: (i) provisiones o reversión de provisiones, (ii) deterioro del valor o reversión del deterioro del valor de activos financieros no valorados a valor razonable con cambios en resultados y pérdidas o ganancias netas por modificación, (iii) deterioro del valor o reversión del deterioro del valor de inversiones en negocios conjuntos o asociadas, (iv) deterioro del valor o reversión del deterioro del valor de activos no financieros, (v) las ganancias o pérdidas procedentes de activos no corrientes y grupos enajenables de elementos clasificados como mantenidos para la venta no admisibles como actividades interrumpidas (excluye los resultados por venta de participaciones y otros conceptos) y (vi) las inversiones inmobiliarias dentro del epígrafe de ganancias o pérdidas al dar de baja en cuentas activos no financieros, netas.
|
687
|
Includes the following accounting items: net gains or losses on derecognition of non-financial assets, excluding investment properties, and gains or losses on sales of equity holdings and other items included in the profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations.
|
Se compone de las partidas contables de: ganancias o pérdidas al dar de baja en cuentas activos no financieros, netas, sin tener en cuenta las inversiones inmobiliarias, y el resultado por venta de participaciones y otros conceptos dentro del epígrafe de ganancias o pérdidas procedentes de activos no corrientes y grupos enajenables de elementos clasificados como mantenidos para la venta no admisibles como actividades interrumpidas.
|
688
|
Other geographies
|
Otras geografías
|
689
|
Banking Business Mexico
|
Negocio bancario México
|
690
|
Net trading income and exchange differences
|
Resultados operaciones financieras y diferencias de cambio
|
691
|
Operating expenses and amortisation
|
Gastos de explotación y amortización
|
692
|
Gross NPA ratio (%)
|
Ratio NPA bruta (%)
|
693
|
Net NPA ratio (%)
|
Ratio NPA neta (%)
|
694
|
MREL (% RWA)
|
MREL (% APR)
|
695
|
RE exposure
|
Exposición inmobiliaria
|
696
|
Capital markets wholesale funding
|
Financiación mayorista mercado capitales
|
697
|
Accumulated ratios
|
Ratios acumulados
|
698
|
Profit and loss and balance sheet Banking business Spain
|
Cuenta de resultados y balance negocio bancario España
|
699
|
Simple evolution
|
Evolutivo Simple
|
700
|
NPA details
|
Detalles stage 3 e inmuebles
|
701
|
Profit and loss and balance sheet Mexico
|
Cuenta de resultados y balance México
|
702
|
Profit and loss and balance sheet banking business UK
|
Cuenta de resultados y balance negocio bancario Reino Unido
|
703
|
Gains and charges in the quarter Total Group
|
Rendimientos y cargas grupo
|
704
|
Gains and charges in the quarter excl. TSB
|
Rendimientos y cargas Ex TSB
|
705
|
Equity
|
Capital Asignado
|
706
|
Intragroup financing
|
Financiación intragrupo
|
707
|
Cash and cash equivalents (1)
|
Efectivo y equivalentes (1)
|
708
|
Loans and advances to customers by product type and customer profile
|
Inversión por tipo de producto y perfil de cliente
|
709
|
Performing loans: performance by geographies
|
Inversión crediticia bruta viva: rendimiento por geografía
|
710
|
Change in perimeter
|
Salidas del perímetro
|
711
|
Like-for-like
|
Perímetro cte
|
712
|
Performing gross loans excluding APS
|
Inversión crediticia bruta viva excluyendo EPA
|
713
|
Stage 3 and coverage ratios
|
Ratios stage 3 y cobertura
|
714
|
Stage 3 ratios by segment
|
Ratios stage 3 por segmentos
|
715
|
Evolution of stage3 and RE Assets excl. TSB
|
Evolución stage 3 y activos inmobiliarios Ex TSB
|
716
|
Evolution of problematic assets
|
Evolución activos problemáticos
|
717
|
NPA exposure and coverage
|
Exposición y cobertura de activos problemáticos
|
718
|
Cnt. perimeter and FX
|
Perímetro y TC cte.
|
719
|
Loans and advances to customers (Ex Repos)
|
Préstamos y anticipos a la clientela (sin ATAs)
|
720
|
Forborne and restructured loans
|
Créditos refinanciados y reestructurados
|
721
|
On-balance sheet funds
|
Recursos en balance
|
722
|
Ratio between provisions associated with problematic assets / total problematic assets.
|
Es el cociente entre las provisiones asociadas a activos problemáticos / total de activos problemáticos.
|
723
|
Preference shares and other
|
Acciones preferentes y otros
|
724
|
Acumulated profits
|
Ganancias acumuladas
|
725
|
Adjunted provisions for NPLs and other impairments
|
Dotaciones a insolvencias y otras dotaciones y deterioros ajustadas
|
726
|
Of which: APS
|
Del que: EPA
|
727
|
Customer deposits
|
Depósitos de la clientela
|
728
|
Total cost of risk (bps)
|
Cost of risk total (pbs)
|
729
|
Sales results
|
Resultados por ventas
|
730
|
IFRS9 pro forma
|
IFRS9 pro forma
|
731
|
Net problematic assets
|
Activos problemáticos netos
|
732
|
Net problematic assets as % of total assets
|
Activos problemáticos netos sobre total activos (%)
|
733
|
Common Equity Tier 1 (%)
|
Common Equity Tier 1 (%)
|
734
|
Tier 1 (%)
|
Tier 1 (%)
|
735
|
Total capital ratio
|
Ratio total de capital
|
736
|
Leverage ratio (%)
|
Leverage ratio (%)
|
737
|
Total group (€ millions)
|
Total grupo (millones €)
|
738
|
Sabadell ex - TSB (€ millions)
|
Sabadell ex - TSB (millones €)
|
739
|
TSB (€ millions)
|
TSB (millones €)
|
740
|
Net problematic assets over gross loans and guarantees granted + RE assets (%)
|
Activos problemáticos netos sobre préstamos a la clientela y garantías concedidas + activos inmobiliarios problemáticos (%)
|
Loans to customers and guarantees granted
|
741
|
Conciliation (€ millions)
|
Conciliación (expresado en millones de euros)
|
742
|
Average total assets
|
Activos totales medios
|
743
|
Average equity
|
Fondos propios medios
|
744
|
Average equity (excluding intangible assets)
|
Fondos propios medios (sin activos intangibles)
|
745
|
Adjusted gross operating income
|
Margen bruto ajustado
|
746
|
Efficiency ratio (%)
|
Ratio de eficiencia (%)
|
747
|
Other operating income
|
Otros ingresos de explotación
|
748
|
Other operating expenses
|
Otros gastos de explotación
|
749
|
Income from assets under insurance or reinsurance contracts
|
Ingresos de activos amparados por contratos de seguro o reaseguro
|
750
|
Expenses on liabilities under insurance or reinsurance contracts
|
Gastos de pasivos amparados por contratos de seguro o reaseguro
|
751
|
Impairment of reversal of impairment of investments in joint ventures and associates
|
Deterioro del valor o reversión del deterioro del valor de inversiones en negocios conjuntos o asociadas
|
752
|
Impairment or reversal of impairment on non- financial assets
|
Deterioro del valor o reversión del deterioro del valor de activos no financieros
|
753
|
Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations
|
Ganancias o pérdidas procedentes de activos no corrientes y grupo enajenables de elementos clasificados como mantenidos para la venta no admisibles como actividades interrumpidas
|
754
|
Gains or losses on sales of equity holdings and other items
|
Resultado por venta de participaciones y otros conceptos
|
755
|
Gains from sales of investment properties and associates
|
Resultado ventas inversiones inmobiliarias
|
756
|
Gains or losses on derecognition of non-financial assets, net
|
Ganancias o pérdidas al dar de baja en cuentas activos no financieros, netas
|
757
|
Derivatives - Hedge accounting
|
Derivados - contabilidad de coberturas
|
758
|
Fair value changes of the hedged items in portfolio hedge of interest rate risk
|
Cambios del valor razonable de los elementos cubiertos de una cartera con cobertura del riesgo de tipo de interés
|
759
|
Tax assets
|
Activos por impuestos
|
760
|
Non-current assets and disposal groups classified as held for sale
|
Activos no corrientes y grupos enajenables de elementos que se han clasificado como mantenidos para la venta
|
761
|
Tax liabilities
|
Pasivos por impuestos
|
762
|
Liabilities included in disposal groups classified as held for sale
|
Pasivos incluidos en grupos enajenables de elementos que se han clasificado como mantenidos para la venta
|
763
|
Stage 3 assets (customer)
|
Activos stage 3 (clientela)
|
764
|
Fixed-term deposits including available and hybrid financial liabilities
|
Depósitos a plazo incluyendo disponibles y pasivos financieros híbridos
|
765
|
Subordinated liabilities (*)
|
Pasivos subordinados (*)
|
766
|
Customer loans and advances
|
Préstamos y anticipos de la clientela
|
767
|
of customer
|
de la clientela
|
768
|
of cental banks and financial institutions
|
de bancos centrales y entidades de crédito
|
769
|
Guarantees granted in stage 3
|
Garantías concedidas en stage 3
|
770
|
Total provisions
|
Total provisiones
|
771
|
Results
|
Rtdos
|
772
|
Provisions of problematic assets
|
Provisiones de activos problemáticos
|
773
|
Problematic assets coverage incl. mortgage floors (%)
|
Ratio de cobertura de activos problemáticos incluyendo cláusulas suelo (%)
|
774
|
Gross loans to customers excluding repos and guarantees granted
|
Inversión crediticia bruta de clientes sin adquisición temporal de activos y garantías concedidas
|
775
|
Adjusted net loans and advances w/o repos by brokered loans
|
Crédito neto sin ATA ajustado por créditos de mediación
|
776
|
Accrued AT1
|
AT1 devengado
|
777
|
Net profit attributed to the Group adjusted with accrued AT1
|
Beneficio atribuido al grupo ajustado con AT1 devengado
|
778
|
Adjusted equity
|
Fondos propios ajustados
|
779
|
(*) Like-for-like figures for loans and recursos.
|
(*) Datos de inversión y recursos expresados a perímetro constante.
|
780
|
(*) Refers to subordinated liabilities of debt securities.
|
(*) Se trata de los pasivos subordinados de los valores representativos de deuda.
|
781
|
Stage 3 provisions
|
Provisiones stage 3
|
782
|
Stage 3 coverage ratio
|
Ratio de cobertura stage 3
|
783
|
(1) Change over total recurrent costs.
|
(1) Variación sobre el total de costes recurrentes.
|
784
|
DGF - SRF - IDEC - BT adjustment net of tax
|
Ajuste FGD-FUR-IDEC-GB neto de impuestos
|
785
|
DGF - SRF - IDEC - BT adjustment
|
Ajuste FGD-FUR-IDEC-GB
|
786
|
Customer spread TSB
|
Margen de clientes TSB
|
787
|
Net interest margin as % of ATA TSB
|
Margen de intereses sobre ATM TSB
|
788
|
Stage 3 coverage ratio with total provisions (%)
|
Ratio de cobertura stage 3 con total provisiones (%)
|
789
|
Customer spread (*)
|
Margen de clientes (*)
|
790
|
Spain (1)
|
España (1)
|
791
|
APS NPL run-off
|
Exposición EPA
|
792
|
Mexico
|
México
|
793
|
Net profit attributed to the Group adjusted
|
Beneficio atribuido al grupo ajustado
|
794
|
Adjust of DGF - RF net of taxes
|
Ajuste FGD-FR neto de impuestos
|
795
|
IFRS9 implementation
|
Aplicación IFRS9
|
796
|
Financial assets in fair value OCI
|
Activos financieros a valor razonable con cambios en otro resultado global
|
797
|
Financial assets at amortised cost
|
Activos financieros a coste amortizado
|
798
|
Recurrent costs
|
Costes recurrentes
|
799
|
TBV per share (€ )
|
TBV por acción (€ )
|
800
|
Tangible book value (€ millon )
|
Valor contable tangible (millones € )
|
801
|
Ratio between tangible book value and the average number of outstanding shares at the end of the period. The tangible book value is calculated as the sum of equity adjusted by intangible assets and the goodwill of the investees, and by contributions to deposit guarantee and resolution funds (DGF and SRF), tax on deposits of credit institutions (IDEC), and banking tax (BT), except year end.
|
Es el cociente entre el valor contable tangible y el número de acciones medias en circulación a fecha de cierre del período. Por valor contable tangible se considera la suma de los fondos propios y ajustado por los activos intangibles y el fondo de comercio de las participadas, así como por el devengo relativo de las contribuciones a los fondos de garantía y de resolución (FGD y FUR), el impuesto sobre depósitos de las entidades de crédito (IDEC), y el gravamen a la banca (GB), a excepción de cierre de año.
|
802
|
(*) Figures on like-for-like basis
|
(*) Datos expresados a perímetro constante
|
803
|
Mutual funds pro forma
|
Fondos de inversión proforma
|
804
|
Off-balance sheet customer funds pro forma
|
Total recursos fuera de balance proforma
|
805
|
Funds under management and third-party funds pro forma
|
Recursos gestionados y comercializados proforma
|
806
|
Coverage excl. TSB
|
Cobertura Ex TSB
|
807
|
Customer, central banks and financial institutions loans and advances
|
Préstamos y anticipos de la clientela, bancos centrales y entidades de crédito
|
808
|
Ratio between provisions for NPLs / gross loans to customers excluding repos and guarantees granted. The numerator considers the linear annualization of the provisions for NPLs. In addition, the costs associated with the stage 3 management assets are adjusted.
|
Es el cociente entre las dotaciones a insolvencias / inversión crediticia bruta de clientes sin adquisición temporal de activos y garantías concedidas. El numerador considera la anualización lineal de las dotaciones a insolvencias. Además, se ajustan los costes asociados a la gestión de activos stage 3.
|
809
|
NPA sales
|
Ventas carteras
|
810
|
Stage 3 ratio (%)
|
Ratio stage 3 (%)
|
811
|
Problematic assets over gross loans and guarantees granted + problematic RE assets (%)
|
Activos problemáticos sobre préstamos a la clientela y garantías concedidas + activos inmobiliarios problemáticos (%)
|
812
|
(*) In TSB -1.5% YoY and -3.4% QoQ in GBP and in Mexico +2.7% YoY and -2.1% QoQ in MXN.
|
(*) En TSB -1,5% YoY y -3,4% QoQ en GBP y en México +2,7% YoY y -2,1% QoQ en peso MXN.
|
813
|
Provisions or reversal of provisions
|
Provisiones o reversión de provisiones
|
814
|
Provisions for NPLs and other financial assets
|
Dotaciones a insolvencias y activos financieros
|
815
|
Total provisions & impairments
|
Total dotaciones y deterioros
|
816
|
Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss and net modification losses or gains
|
Deterioro del valor o reversión del deterioro del valor de activos financieros no valorados a valor razonable con cambios en resultados y pérdidas o ganancias netas por modificación
|
817
|
Gross loans to customers excluding repos
|
Inversión crediticia bruta de clientes sin adquisición temporal de activos
|
818
|
Ratio between total capital and the risk weighted assets. Total capital includes the accounting profit assuming a pay-out of c.50%, that is different from the regulatory criteria which decreases that amount based on the obligations to fulfil for the rest of the year. The denominator has been calculated based on the Group's best estimate.
|
Es el cociente entre la base de capital y los activos ponderados por riesgo. La base de capital incorpora la totalidad del beneficio contable asumiendo un pay-out del c.50%, a diferencia del criterio regulatorio que disminuye dicho importe en base a las obligaciones a cumplir en lo que queda de año. El denominador se ha realizado en base a la mejor estimación del grupo.
|
819
|
Risk weighted assets (RWA) (€ million)
|
Activos ponderados por riesgo (APR) (millones de € )
|
820
|
(*) Excluding adjustments for accruals and hedging derivatives.
|
(*) Sin ajustes por periodificación ni cobertura con derivados.
|
821
|
Mortgage loans & credits (1)
|
Préstamos y créditos con garantía hipotecaria (1)
|
822
|
(1) Includes mortgage loans and credits both to individuals and companies.
|
(1) Incluye préstamos y créditos hipotecarios concedidos a particulares y empresas.
|
823
|
(1) Spain includes foreign branches (€8,995M in Mar 23 and €9,485M in Dec 22).
|
(1) España incluye oficinas en el extranjero (8.995M€ en mar 23 y 9.485M€ en dic 22).
|
824
|
Core results (NII + net fees and commissions - costs)
|
Margen recurrente (margen de intereses + comisiones - costes)
|
825
|
Financial guarantees granted
|
Garantías financieras concedidas
|
826
|
Commitments for loans granted
|
Compromisos de préstamos concedidos
|
827
|
Other commitments granted
|
Otros compromisos concedidos
|
828
|
Common Equity Tier 1 fully-loaded (%)
|
Common Equity Tier 1 fully-loaded (%)
|
829
|
Institutional NPA sales
|
Carteras institucionales
|
830
|
Funding structure
|
Estructura de financiación
|
831
|
Maturity of issues
|
Vencimiento emisiones
|
832
|
Movements in allowances
|
Movimiento fondos
|
833
|
Breakdown of loans to cusmoter and provision on stages
|
Desglose del crédito y provision por stages
|
834
|
Provisions for institutional NPA sales
|
Provisiones de las ventas de carteras institucionales
|
835
|
NII and fees
|
Margen de intereses y comisiones netas
|
836
|
Customer redress porvisions
|
Provisiones por indemnizaciones a clientes
|
837
|
Total TSB one-offs post-migration
|
Total TSB one-offs posmigración
|
838
|
Cost saving initiatives
|
Iniciativas de ahorro de costes
|
839
|
Total TSB net one-offs post-migration
|
Total TSB one-offs netos posmigración
|
840
|
Extraordinary TSB migration costs
|
Gastos extraordinarios por la migración de TSB
|
841
|
NPA extraordinary provisions
|
Provisiones extraordinarias por la venta de carteras
|
842
|
Total one-offs
|
Total one-offs
|
843
|
net one-offs
|
one-offs netos
|
844
|
Loan-to-deposits ratio (%)
|
Loan to deposits ratio (%)
|
845
|
Remuneration corporate deposits
|
Remuneración depósitos corporativos
|
846
|
Coverage group
|
Cobertura grupo
|
847
|
Real estate development
|
Promoción inmobiliaria
|
848
|
Other International Business
|
Otro negocio internacional
|
849
|
Recurrent amortisation
|
Amortización recurrente
|
850
|
Non-recurrent costs
|
Costes no recurrentes
|
851
|
Gross loans to customers excluding repos + guarantees granted + problematic RE Assets
|
Inversión crediticia bruta de clientes sin adquisición temporal de activos + garantías concedidas + activos inmobiliarios problemáticos
|
852
|
Shareholders' structure
|
Distribución accionistas
|
853
|
Comparative evolution of SAB share
|
Evolución comparativa de la acción SAB
|
854
|
Glossary
|
Glosario
|
855
|
Book value (€ millon )
|
Valor contable (millones € )
|
856
|
Performing loans ExTSB: performance by segment
|
Inversión crediticia bruta viva ExTSB: rendimiento por segmento
|
857
|
Mortgages to individuals (2)
|
Hipotecas a particulares (2)
|
858
|
Private consumer loans (3)
|
Préstamos al consumo particulares (3)
|
859
|
Other lending to individuals
|
Resto préstamos a particulares
|
860
|
Public Sector
|
Sector Público
|
861
|
Domestic companies
|
Empresas - domestico
|
862
|
TBV per share
|
TBV por acción
|
863
|
Other lending to individuals
|
Otros préstamos a particulares
|
864
|
Customer loan yield in Spain
|
Rendimiento créditos a la clientela en España
|
865
|
Cost of customer funds in Spain
|
Coste depósitos de la clientela en España
|
866
|
Senior Non Preferred Debt
|
Deuda senior no preferente
|
867
|
On-balance sheet customer funds Excl. TSB
|
Recursos de clientes en balance ExTSB
|
868
|
(2) Excluding in the quarter the impact of €0.2bn (€0.2bn in Jun 20) A/R related to the closing of NPA disposals, at Group level an increase of +3.3% YoY and +1.4% QoQ and for Spain +3.9% YoY and +2.4% QoQ.
|
(2) Excluyendo en el trimestre la cuenta a cobrar por el derecho de tanteo de las ventas de carteras de 0,2bn€ (0,2bn€ a Jun 20), a nivel grupo incremento de +3,3% YoY y +1,4% QoQ y para España +3,9% YoY y +2,4% QoQ.
|
869
|
RE assets disposal
|
Ventas de activos inmobiliarios
|
870
|
(*) Excluding in the quarter the impact of €0.2bn (€0.2bn in Jun 20) A/R related to the closing of NPA disposals, at ExTSB level an increase of +4.0% YoY and +2.4% QoQ and other lending to individuals +0.8% YoY and +13.4% QoQ.
|
(*) Excluyendo en el trimestre la cuenta a cobrar por el derecho de tanteo de las ventas de carteras de 0,2bn€ (0,2bn€ a Jun 20), incremento a nivel ExTSB +4,0% YoY y +2,4% QoQ y otros préstamos a particulares +0,8% YoY y +13,4% QoQ.
|
871
|
Evolution of NPLs and RE Assets TSB
|
Evolución dudosos y activos inmobiliarios TSB
|
872
|
Technical reports and judicial expenses
|
Informes técnicos y gastos judiciales
|
873
|
Subcontracted administrative services
|
Servicios administrativos subcontratados
|
874
|
International companies
|
Empresas - internacional
|
875
|
o Main figures
|
o Principales magnitudes
|
876
|
o Accumulated quarterly results
|
o Resultados trimestrales acumulados
|
877
|
o Quarterly results
|
o Resultados trimestrales simples
|
878
|
o Balance sheet
|
o Balance
|
879
|
o Margin
|
o Margen
|
880
|
o Fees & comissions
|
o Comisiones
|
881
|
o Expenses
|
o Gastos
|
882
|
o Loans
|
o Inversión crediticia
|
883
|
o FuM
|
o Recursos gestionados
|
884
|
o Equity
|
o Patrimonio neto
|
885
|
o NPA exposure and coverage
|
o Exposición y cobertura de activos problemáticos
|
886
|
o NPA details
|
o Detalles stage 3 e inmuebles
|
887
|
o Capital ratios
|
o Ratio de capital
|
888
|
o Liquidity
|
o Liquidez
|
889
|
o Share
|
o Acción
|
890
|
o TSB Accumulated quarterly results (GBP)
|
o TSB Resultados trimestrales acumulados (GBP)
|
891
|
o TSB Quarterly results (GBP)
|
o TSB Resultados trimestrales simples (GBP)
|
892
|
o TSB Balance sheet (GBP)
|
o TSB Balance (GBP)
|
893
|
o TSB Margin (GBP)
|
o TSB Margen (GBP)
|
894
|
o Summary Business Units
|
o Resumen Unidades de Negocio
|
895
|
o Spain Business
|
o Negocio bancario España
|
896
|
o UK Business
|
o Negocio bancario Reino Unido
|
897
|
o Mexico Business
|
o Negocio bancario México
|
898
|
o Exchange rate
|
o Tipo de cambio
|
899
|
BUSINESS UNITS
|
UNIDADES DE NEGOCIO
|
900
|
TSB (GBP) Index
|
Índice TSB (GBP)
|
901
|
Group net equity
|
Patrimonio neto grupo
|
902
|
Group Index
|
Índice grupo
|
903
|
Business Units Index
|
Índice Unidades de Negocio
|
904
|
Index
|
Índice
|
905
|
Core results
|
Margen recurrente
|
906
|
Tier 2 + subordinated debt
|
Tier 2 + pasivos subordinados
|
907
|
ALCO
|
Cartera de renta fija
|
908
|
Managed accounts pro forma
|
Gestión de patrimonios proforma
|
909
|
Total number of shares (million)
|
Número de acciones totales (en millones)
|
910
|
Loan book
|
Inversión crediticia
|
911
|
Guarantees granted
|
Garantías concedidas
|
912
|
Stage 3 assets (includes valuation adjustments)
|
Activos stage 3 (incluye ajustes de valoración)
|
913
|
Customer NII
|
Margen de intereses de clientes
|
914
|
Efficiency ratio with amortisation & depreciation (%)
|
Ratio de eficiencia con amortización (%)
|
915
|
Efficiency ratio with amortisation & depreciation
|
Ratio de eficiencia con amortización
|
916
|
Administrative expenses and amortisation & depreciation / adjusted gross income. The denominator includes the linear accrual of contributions to deposit guarantee fund, resolution fund and tax on deposits of credit institution and banking tax (BT), except year end.
|
Gastos de administración y amortizaciones / margen bruto ajustado. El denominador incluye la periodificación lineal de las contribuciones a los fondos de garantía y de resolución, el impuesto sobre depósitos de las entidades de crédito, y el gravamen a la banca (GB), a excepción de cierre de año.
|
917
|
ALCO and Wholesale funding
|
Cartera de renta fija y coste financiación mayorista
|
918
|
Ratio between total provisions & impairments / gross loans to customers excluding repos and guarantees granted and problematic RE Assets. The numerator considers the linear annualization of total provisions & impairments.
|
Es el cociente entre total dotaciones y deterioros / inversión crediticia bruta de clientes sin adquisición temporal de activos y garantías concedidas y activos inmobiliarios problemáticos. El numerador considera la anualización lineal del total de dotaciones y deterioros.
|
919
|
Group net profit
|
Beneficio neto grupo
|
920
|
Performing loans
|
Inversión crediticia viva
|
921
|
ROTE ex banking tax
|
ROTE ex gravamen a la banca
|
922
|
Total commissions
|
Total comisiones
|
923
|
(*) Excluding stage 3 assets and accrual adjustments.
|
(*) Sin activos stage 3 ni ajustes por periodificación.
|
924
|
ISIN
|
ISIN
|
925
|
Instrument
|
Instrumento
|
926
|
Date
|
Fecha
|
927
|
Size
|
Tamaño
|
928
|
Coupon
|
Cupón
|
929
|
Covered bonds
|
Cédulas hipotecaria
|
930
|
Senior Preferred
|
Senior Preferred
|
931
|
Covered bonds TSB
|
Cédulas hipotecaria de TSB
|
932
|
Debt maturities for the next 12 months
|
Vencimientos de deuda en los próximos 12 meses
|
933
|
TSB Covered bonds
|
Cédulas hipotecaria de TSB
|
Spain Business
Banking business Spain
|
Profit and loss and balance sheet Banking business Spain
|
Simple evolution
|
(€ million)
|
1Q22
|
1Q23
|
YoY (%)
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
Net interest income
|
556
|
752
|
35.2
|
556
|
583
|
629
|
730
|
752
|
Net fees and commissions
|
326
|
321
|
-1.6
|
326
|
334
|
346
|
338
|
321
|
Core revenues
|
882
|
1,073
|
21.6
|
882
|
917
|
975
|
1,068
|
1,073
|
Net trading income and exchange differences
|
27
|
-6
|
--
|
27
|
52
|
21
|
-5
|
-6
|
Income from equity method and dividends
|
59
|
31
|
-46.5
|
59
|
26
|
28
|
12
|
31
|
Other operating income/expense
|
-7
|
-157
|
--
|
-7
|
-110
|
1
|
-109
|
-157
|
Gross operating income
|
961
|
941
|
-2.0
|
961
|
885
|
1,025
|
967
|
941
|
Operating expenses
|
-385
|
-388
|
0.8
|
-385
|
-372
|
-375
|
-382
|
-388
|
Amortisation & depreciation
|
-91
|
-95
|
4.7
|
-91
|
-92
|
-95
|
-95
|
-95
|
Total costs
|
-476
|
-483
|
1.6
|
-476
|
-464
|
-470
|
-477
|
-483
|
Pre-provisions income
|
485
|
458
|
-5.5
|
485
|
421
|
555
|
489
|
458
|
Total provisions & impairments
|
-218
|
-214
|
-2.0
|
-218
|
-226
|
-193
|
-284
|
-214
|
Gains on sale of assets and other results
|
-10
|
-1
|
-86.8
|
-10
|
-7
|
6
|
2
|
-1
|
Profit before tax
|
257
|
243
|
-5.3
|
257
|
188
|
369
|
208
|
243
|
Income tax
|
-59
|
-106
|
79.3
|
-59
|
-53
|
-103
|
-55
|
-106
|
Minority interest
|
13
|
-0
|
--
|
13
|
1
|
0
|
-3
|
-0
|
Attributable net profit
|
184
|
137
|
-25.7
|
184
|
135
|
265
|
156
|
137
|
Accumulated ratios
|
ROTE
|
7.2%
|
9.5%
|
7.2%
|
7.4%
|
8.4%
|
8.7%
|
9.5%
|
Efficiency
|
42.5%
|
39.0%
|
42.5%
|
41.4%
|
40.5%
|
40.3%
|
39.0%
|
Efficiency with amortisation & depreciation
|
52.6%
|
48.6%
|
52.6%
|
51.4%
|
50.5%
|
50.2%
|
48.6%
|
Stage 3 ratio
|
4.6%
|
4.3%
|
4.6%
|
4.1%
|
4.2%
|
4.2%
|
4.3%
|
Stage 3 coverage ratio with total provisions
|
57.3%
|
55.8%
|
57.3%
|
56.7%
|
56.5%
|
56.2%
|
55.8%
|
Simple evolution
|
(€ million)
|
1Q22
|
1Q23
|
YoY (%)
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
Total assets
|
192,156
|
186,941
|
-2.7
|
192,156
|
196,349
|
198,115
|
189,545
|
186,941
|
Performing gross loans
|
106,687
|
106,524
|
-0.2
|
106,687
|
110,177
|
109,632
|
108,889
|
106,524
|
RE exposure
|
805
|
688
|
-14.6
|
805
|
778
|
739
|
713
|
688
|
Subtotal liabilities
|
182,368
|
176,757
|
-3.1
|
182,368
|
186,480
|
187,892
|
179,402
|
176,757
|
On-balance sheet customer funds
|
116,670
|
118,177
|
1.3
|
116,670
|
119,636
|
119,773
|
120,118
|
118,177
|
Capital markets wholesale funding
|
18,707
|
20,734
|
10.8
|
18,707
|
18,213
|
19,020
|
19,444
|
20,734
|
Equity
|
9,789
|
10,185
|
4.0
|
9,789
|
9,869
|
10,223
|
10,143
|
10,185
|
Off-balance sheet customer funds
|
40,624
|
39,513
|
-2.7
|
40,624
|
38,831
|
38,049
|
38,492
|
39,513
|
Other data
|
Employees
|
12,836
|
13,077
|
12,836
|
12,949
|
13,061
|
12,991
|
13,077
|
Branches
|
1,289
|
1,222
|
1,289
|
1,290
|
1,288
|
1,226
|
1,222
| /xl/drawings/drawing26.xml#'Business%20Units'!A1
UK Business
Banking business United Kingdom
|
Profit and loss and balance sheet banking business UK
|
YoY (%)
|
Simple evolution
|
(€ million)
|
1Q22
|
1Q23
|
YoY (%)
|
at constant FX
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
Net interest income
|
271
|
303
|
12.0
|
18.2
|
271
|
280
|
296
|
304
|
303
|
Net fees and commissions
|
30
|
28
|
-7.8
|
-2.7
|
30
|
34
|
39
|
31
|
28
|
Core revenues
|
301
|
331
|
10.0
|
16.1
|
301
|
314
|
335
|
334
|
331
|
Net trading income and exchange differences
|
5
|
7
|
37.7
|
45.4
|
5
|
-3
|
8
|
-5
|
7
|
Income from equity method and dividends
|
0
|
0
|
--
|
--
|
0
|
0
|
0
|
0
|
0
|
Other operating income/expense
|
-12
|
-11
|
-11.1
|
-6.1
|
-12
|
-9
|
-9
|
-65
|
-11
|
Gross operating income
|
294
|
328
|
11.4
|
17.6
|
294
|
302
|
334
|
264
|
328
|
Operating expenses
|
-191
|
-188
|
-1.3
|
4.2
|
-191
|
-188
|
-190
|
-184
|
-188
|
Amortisation & depreciation
|
-42
|
-38
|
-9.0
|
-4.0
|
-42
|
-41
|
-37
|
-37
|
-38
|
Total costs
|
-232
|
-226
|
-2.7
|
2.7
|
-232
|
-229
|
-228
|
-221
|
-226
|
Pre-provisions income
|
62
|
102
|
63.9
|
73.1
|
62
|
74
|
107
|
43
|
102
|
Total provisions & impairments
|
-11
|
-19
|
66.5
|
75.8
|
-11
|
-20
|
-41
|
-30
|
-19
|
Gains on sale of assets and other results
|
-0
|
-0
|
--
|
--
|
-0
|
0
|
-0
|
1
|
-0
|
Profit before tax
|
50
|
83
|
64.4
|
73.6
|
50
|
53
|
65
|
14
|
83
|
Income tax
|
-31
|
-29
|
-5.4
|
-0.1
|
-31
|
-19
|
-26
|
-20
|
-29
|
Minority interest
|
0
|
0
|
--
|
--
|
0
|
0
|
0
|
0
|
0
|
Attributable net profit
|
19
|
53
|
176.7
|
192.1
|
19
|
35
|
39
|
-6
|
53
|
Accumulated ratios
|
ROTE
|
3.6%
|
11.0%
|
3.6%
|
5.2%
|
6.0%
|
4.2%
|
11.0%
|
Efficiency
|
64.7%
|
57.4%
|
64.7%
|
63.4%
|
61.1%
|
63.0%
|
57.4%
|
Efficiency with amortisation & depreciation
|
78.9%
|
68.9%
|
78.9%
|
77.2%
|
74.0%
|
76.1%
|
68.9%
|
Stage 3 ratio
|
1.4%
|
1.4%
|
1.4%
|
1.3%
|
1.4%
|
1.3%
|
1.4%
|
Stage 3 coverage ratio with total provisions
|
38.7%
|
41.3%
|
38.7%
|
40.3%
|
39.7%
|
42.3%
|
41.3%
|
YoY (%)
|
Simple evolution
|
(€ million)
|
1Q22
|
1Q23
|
YoY (%)
|
at constant FX
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
Total assets
|
55,978
|
55,127
|
-1.5
|
2.4
|
55,978
|
55,297
|
55,808
|
55,810
|
55,127
|
Performing gross loans
|
44,294
|
41,993
|
-5.2
|
-1.5
|
44,294
|
43,903
|
42,857
|
43,110
|
41,993
|
Subtotal liabilities
|
53,371
|
52,740
|
-1.2
|
2.7
|
53,371
|
52,708
|
53,263
|
53,316
|
52,740
|
On-balance sheet customer funds
|
42,199
|
40,617
|
-3.7
|
0.0
|
42,199
|
41,105
|
40,163
|
40,931
|
40,617
|
Capital markets wholesale funding
|
2,955
|
3,697
|
25.1
|
30.0
|
2,955
|
2,913
|
2,831
|
2,537
|
3,697
|
Equity
|
2,607
|
2,387
|
-8.4
|
-4.8
|
2,607
|
2,589
|
2,545
|
2,494
|
2,387
|
Other data
|
Employees
|
5,702
|
5,656
|
5,702
|
5,595
|
5,503
|
5,482
|
5,656
|
Branches
|
290
|
220
|
290
|
220
|
220
|
220
|
220
| /xl/drawings/drawing27.xml#'Business%20Units'!A1
Mexican Business
Banking Business Mexico
|
Profit and loss and balance sheet Mexico
|
YoY (%)
|
Simple evolution
|
(€ million)
|
1Q22
|
1Q23
|
YoY (%)
|
at constant FX
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
Net interest income
|
31
|
45
|
45.3
|
26.5
|
31
|
36
|
40
|
43
|
45
|
Net fees and commissions
|
3
|
2
|
-38.5
|
-46.4
|
3
|
3
|
3
|
4
|
2
|
Core revenues
|
33
|
46
|
38.7
|
20.8
|
33
|
38
|
43
|
47
|
46
|
Net trading income and exchange differences
|
0
|
-1
|
--
|
--
|
0
|
1
|
1
|
1
|
-1
|
Income from equity method and dividends
|
0
|
0
|
--
|
--
|
0
|
0
|
0
|
0
|
0
|
Other operating income/expense
|
-4
|
-4
|
11.1
|
-27.0
|
-4
|
-5
|
-4
|
-5
|
-4
|
Gross operating income
|
30
|
42
|
39.0
|
25.9
|
30
|
35
|
40
|
43
|
42
|
Operating expenses
|
-15
|
-17
|
15.9
|
0.9
|
-15
|
-18
|
-21
|
-18
|
-17
|
Amortisation & depreciation
|
-3
|
-4
|
42.0
|
23.7
|
-3
|
-3
|
-4
|
-4
|
-4
|
Total costs
|
-18
|
-21
|
20.3
|
4.7
|
-18
|
-21
|
-25
|
-22
|
-21
|
Pre-provisions income
|
12
|
21
|
65.7
|
59.4
|
12
|
13
|
15
|
21
|
21
|
Total provisions & impairments
|
3
|
-3
|
--
|
--
|
3
|
-2
|
0
|
-9
|
-3
|
Gains on sale of assets and other results
|
-3
|
-1
|
-49.3
|
-55.9
|
-3
|
0
|
-2
|
-9
|
-1
|
Profit before tax
|
12
|
16
|
30.5
|
25.6
|
12
|
11
|
13
|
2
|
16
|
Income tax
|
-3
|
-2
|
-38.5
|
-44.8
|
-3
|
-2
|
-1
|
-3
|
-2
|
Minority interest
|
0
|
0
|
--
|
--
|
0
|
0
|
0
|
0
|
0
|
Attributable net profit
|
10
|
14
|
49.4
|
46.7
|
10
|
9
|
13
|
-0
|
14
|
Accumulated ratios
|
ROTE
|
7.9%
|
12.8%
|
7.9%
|
8.2%
|
9.0%
|
6.6%
|
12.8%
|
Efficiency
|
49.0%
|
40.8%
|
49.0%
|
50.8%
|
51.3%
|
48.7%
|
40.8%
|
Efficiency with amortisation & depreciation
|
58.8%
|
50.9%
|
58.8%
|
60.4%
|
60.9%
|
58.3%
|
50.9%
|
Stage 3 ratio
|
2.3%
|
2.5%
|
2.3%
|
2.3%
|
2.2%
|
2.3%
|
2.5%
|
Stage 3 coverage ratio with total provisions
|
71.6%
|
69.7%
|
71.6%
|
73.3%
|
79.7%
|
70.1%
|
69.7%
|
YoY (%)
|
Simple evolution
|
(€ million)
|
1Q22
|
1Q23
|
YoY (%)
|
at constant FX
|
1Q22
|
2Q22
|
3Q22
|
4Q22
|
1Q23
|
Total assets
|
5,121
|
6,411
|
25.2
|
16.0
|
5,121
|
5,583
|
6,483
|
6,025
|
6,411
|
Performing gross loans
|
3,762
|
4,119
|
9.5
|
2.7
|
3,762
|
4,065
|
4,256
|
4,131
|
4,119
|
Subtotal liabilities
|
4,576
|
5,838
|
27.6
|
18.8
|
4,576
|
4,990
|
5,888
|
5,437
|
5,838
|
On-balance sheet customer funds
|
2,448
|
3,513
|
43.5
|
29.8
|
2,448
|
2,650
|
3,311
|
3,090
|
3,513
|
Equity
|
545
|
573
|
5.1
|
-6.6
|
545
|
592
|
595
|
588
|
573
|
Other data
|
Employees
|
447
|
418
|
447
|
431
|
423
|
422
|
418
|
Branches
|
15
|
15
|
15
|
15
|
15
|
15
|
15
| /xl/drawings/drawing28.xml#'Business%20Units'!A1
Exchange rate
Exchange rate
|
Group balance sheet
|
Fx
|
31.03.22
|
30.06.22
|
30.09.22
|
31.12.22
|
31.03.23
|
USD
|
1.1101
|
1.0387
|
0.9748
|
1.0666
|
1.0875
|
GBP
|
0.8460
|
0.8582
|
0.8830
|
0.8869
|
0.8792
|
MXN
|
22.0903
|
20.9641
|
19.6393
|
20.8560
|
19.6392
| |
Accumulated P&L
|
Fx
|
31.03.22
|
30.06.22
|
30.09.22
|
31.12.22
|
31.03.23
|
USD
|
1.1237
|
1.0942
|
1.0658
|
1.0538
|
1.0724
|
GBP
|
0.8364
|
0.8423
|
0.8474
|
0.8532
|
0.8831
|
MXN
|
22.9873
|
22.1204
|
21.4822
|
21.0739
|
20.0163
|
Quarterly P&L
|
Fx
|
31.03.22
|
30.06.22
|
30.09.22
|
31.12.22
|
31.03.23
|
USD
|
1.1237
|
1.0666
|
1.0648
|
1.0498
|
1.0724
|
GBP
|
0.8364
|
0.8481
|
0.8567
|
0.8694
|
0.8831
|
MXN
|
22.9873
|
21.3704
|
20.4262
|
20.0508
|
20.0163
| /xl/drawings/drawing29.xml#'Business%20Units'!A1
MARs
Alternative Performance measures
|
Alternative Performance measures
|
Conciliation (€ millions)
|
1Q22
|
1Q23
|
ROA
|
Average total assets
|
252,255
|
248,912
|
Consolidated net profit
|
227
|
205
|
DGF - SRF - IDEC - BT adjustment net of tax
|
-39
|
71
|
ROA (%)
|
0.30
|
0.45
|
ROE
|
Average equity
|
13,403
|
13,786
|
Attributable net profit
|
213
|
205
|
DGF - SRF - IDEC - BT adjustment net of tax
|
-39
|
71
|
ROE (%)
|
5.27
|
8.12
|
RORWA
|
Risk weighted assets (RWA)
|
80,303
|
77,659
|
Attributable net profit
|
213
|
205
|
DGF - SRF - IDEC - BT adjustment net of tax
|
-39
|
71
|
RORWA (%)
|
0.88
|
1.44
|
ROTE
|
Average equity (excluding intangible assets)
|
10,825
|
11,308
|
Attributable net profit
|
213
|
205
|
DGF - SRF - IDEC - BT adjustment net of tax
|
-39
|
71
|
ROTE (%)
|
6.53
|
9.90
|
Efficiency ratio
|
Gross operating income
|
1,285
|
1,311
|
DGF - SRF - IDEC - BT adjustment
|
-56
|
52
|
Adjusted gross operating income
|
1,229
|
1,363
|
Operating expenses
|
-590
|
-593
|
Efficiency ratio (%)
|
47.98
|
43.50
|
Amortisation & depreciation
|
-136
|
-138
|
Efficiency ratio with amortisation & depreciation (%)
|
59.03
|
53.59
|
Other operating income/expense
|
Other operating income
|
13
|
18
|
Other operating income/expense
|
Other operating expenses
|
-36
|
-190
|
Other operating income/expense
|
Income from assets under insurance or reinsurance contracts
|
0
|
0
|
Other operating income/expense
|
Expenses on liabilities under insurance or reinsurance contracts
|
0
|
0
|
Other operating income/expense
|
Other operating income/expense
|
-23
|
-172
|
Total provisions & impairments
|
Provisions or reversal of provisions
|
1
|
-12
|
Impairment or reversal of impairment on financial assets not measured at fair value through profit or loss and net modification losses or gains
|
-207
|
-218
|
Provisions for NPLs and other financial assets
|
-207
|
-230
|
Impairment of reversal of impairment of investments in joint ventures and associates
|
0
|
0
|
Impairment or reversal of impairment on non- financial assets
|
-15
|
-1
|
Profit or loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations
|
-6
|
-6
|
Gains or losses on sales of equity holdings and other items
|
1
|
0
|
Gains from sales of investment properties and associates
|
0
|
1
|
Other impairments
|
-20
|
-6
|
Total provisions & impairments
|
-227
|
-236
|
Gains on sale of assets and other results
|
Gains or losses on derecognition of non-financial assets, net
|
-12
|
-2
|
Gains on sale of assets and other results
|
Gains or losses on sales of equity holdings and other items
|
-1
|
-0
|
Gains on sale of assets and other results
|
Gains from sales of investment properties and associates
|
-0
|
-1
|
Gains on sale of assets and other results
|
Gains on sale of assets and other results
|
-13
|
-3
|
Pre-provisions income
|
Gross operating income
|
1,285
|
1,311
|
Pre-provisions income
|
Operating expenses
|
-590
|
-593
|
Pre-provisions income
|
Personnel expenses
|
-350
|
-350
|
Pre-provisions income
|
Other general expenses
|
-240
|
-243
|
Pre-provisions income
|
Amortisation & depreciation
|
-136
|
-138
|
Pre-provisions income
|
Pre-provisions income
|
560
|
581
|
Customer spread (*)
|
Loans to customers (net)
|
Customer spread
|
Avge. balance
|
155,878
|
155,284
|
Customer spread
|
Results
|
879
|
1,258
|
Customer spread
|
Rate %
|
2.29
|
3.29
|
Customer spread
|
Customer deposits
|
Customer spread
|
Avge. balance
|
160,319
|
161,138
|
Customer spread
|
Results
|
-29
|
-221
|
Customer spread
|
Rate %
|
-0.07
|
-0.56
|
Customer spread
|
Customer spread
|
2.22
|
2.73
|
Other assets
|
Derivatives - Hedge accounting
|
1,015
|
2,770
|
Other assets
|
Fair value changes of the hedged items in portfolio hedge of interest rate risk
|
-454
|
-1,344
|
Other assets
|
Tax assets
|
6,904
|
6,807
|
Other assets
|
Other assets
|
639
|
547
|
Other assets
|
Non-current assets and disposal groups classified as held for sale
|
764
|
811
|
Other assets
|
Other assets
|
8,869
|
9,592
|
Other liabilities
|
Derivatives - Hedge accounting
|
451
|
1,234
|
Other liabilities
|
Fair value changes of the hedged items in portfolio hedge of interest rate risk
|
-329
|
-860
|
Other liabilities
|
Tax liabilities
|
245
|
345
|
Other liabilities
|
Other liabilities
|
657
|
643
|
Other liabilities
|
Liabilities included in disposal groups classified as held for sale
|
0
|
28
|
Other liabilities
|
Other liabilities
|
1,024
|
1,390
| /xl/drawings/drawing30.xml#Group!A1
MARs (2)
Alternative Performance measures
|
Alternative Performance measures
|
Conciliation (€ millions)
|
1Q22
|
1Q23
|
Mortgage loans & credits
|
90,790
|
88,261
|
Other secured loans & credits
|
3,331
|
3,370
|
Working capital
|
5,992
|
6,739
|
Leasing
|
2,120
|
2,237
|
Unsecured lending and others
|
52,509
|
52,029
|
Performing gross loans
|
Performing gross loans
|
154,742
|
152,637
|
Stage 3 assets (customer)
|
5,708
|
5,524
|
Accruals
|
35
|
174
|
Gross loans to customers excluding repos
|
160,485
|
158,335
|
Reverse repos
|
54
|
120
|
Gross loans to customers
|
Gross loans to customers
|
160,539
|
158,454
|
NPL and country-risk provisions
|
-3,275
|
-3,041
|
Loans and advances to customers
|
157,264
|
155,413
|
Financial liabilities at amortised cost
|
236,919
|
229,901
|
Non-retail financial liabilities
|
75,602
|
67,594
|
Central banks
|
37,978
|
18,521
|
Credit institutions
|
9,600
|
17,304
|
Institutional issues
|
22,392
|
25,138
|
Other financial liabilities
|
5,632
|
6,632
|
On-balance sheet customer funds
|
On-balance sheet customer funds
|
161,316
|
162,307
|
Customer deposits
|
162,602
|
161,567
|
Sight accounts
|
146,520
|
142,624
|
Fixed-term deposits including available and hybrid financial liabilities
|
15,386
|
18,372
|
Repos
|
634
|
517
|
Accruals and derivative hedging adjustments
|
61
|
54
|
Debt and other marketable securities
|
16,866
|
21,786
|
Subordinated liabilities (*)
|
4,241
|
4,092
|
On-balance sheet funds
|
On-balance sheet funds
|
183,709
|
187,445
|
Mutual funds
|
23,848
|
22,984
|
Managed accounts
|
3,715
|
3,669
|
Pension funds
|
3,416
|
3,229
|
Third-party insurance products
|
9,645
|
9,631
|
Off-balance sheet customer funds
|
Off-balance sheet customer funds
|
40,624
|
39,513
|
Funds under management and third-party funds
|
Funds under management and third-party funds
|
224,333
|
226,957
|
Stage 3 exposures
|
Stage 3 assets (includes valuation adjustments)
|
5,743
|
5,557
|
Total provisions
|
Guarantees granted in stage 3
|
467
|
334
|
Total provisions
|
Stage 3 exposures (€ million)
|
6,210
|
5,891
|
Stage 3 coverage ratio with total provisions (%)
|
Stage 3 exposures
|
6,210
|
5,891
|
Total provisions
|
3,456
|
3,219
|
Stage 3 coverage ratio with total provisions (%)
|
55.7%
|
54.6%
|
Stage 3 coverage ratio (%)
|
Stage 3 exposures
|
6,210
|
5,891
|
Stage 3 coverage ratio (%)
|
Stage 3 provisions
|
2,560
|
2,328
|
Stage 3 coverage ratio (%)
|
Stage 3 coverage ratio (%)
|
41.2%
|
39.5%
|
Problematic Real Estate coverage ratio (%)
|
Problematic RE Assets
|
1,299
|
1,117
|
Problematic Real Estate coverage ratio (%)
|
Provisions
|
494
|
429
|
Problematic Real Estate coverage ratio (%)
|
Problematic Real Estate coverage ratio (%)
|
38.0%
|
38.4%
|
Stage 3 exposures
|
6,210
|
5,891
|
Problematic RE Assets
|
1,299
|
1,117
|
Problematic assets
|
Problematic assets
|
7,508
|
7,008
|
Provisions of problematic assets
|
3,950
|
3,648
|
Problematic assets coverage (%)
|
Problematic assets coverage (%)
|
52.6%
|
52.0%
|
Stage 3 ratio (%)
|
Stage 3 exposures
|
6,210
|
5,891
|
Gross loans to customers excluding repos
|
160,485
|
158,335
|
Guarantees granted
|
9,221
|
8,896
|
Stage 3 ratio (%)
|
3.66%
|
3.52%
|
Credit cost of risk (bps)
|
Gross loans to customers excluding repos and guarantees granted
|
169,706
|
167,230
|
Provisions for NPLs
|
-195
|
-217
|
NPLs costs
|
-23
|
-30
|
Credit cost of risk (bps)
|
41
|
45
|
Total cost of risk (bps)
|
Gross loans to customers excluding repos and guarantees granted
|
169,706
|
167,230
|
Problematic RE Assets
|
1,299
|
1,117
|
Total provisions & impairments
|
-227
|
-236
|
Total cost of risk (bps)
|
54
|
57
|
Loan-to-deposits ratio (%)
|
Adjusted net loans and advances w/o repos by brokered loans
|
155,885
|
154,116
|
On-balance sheet customer funds
|
161,316
|
162,307
|
Loan-to-deposits ratio (%)
|
96.6%
|
95.0%
|
Market capitalisation (€ million)
|
Average number of shares (million)
|
5,593
|
5,596
|
Gains and charges in the quarter TSB
|
Share price (€ )
|
0.746
|
0.989
|
Gains and charges in the quarter TSB
|
Market capitalisation (€ million)
|
4,170
|
5,533
|
Earnings per share (EPS) (€ )
|
Net profit attributed to the Group adjusted
|
140
|
246
|
Attributable net profit
|
213
|
205
|
DGF - SRF - IDEC - BT adjustment net of tax
|
-39
|
71
|
Accrued AT1
|
-34
|
-31
|
Average number of shares (million)
|
5,593
|
5,596
|
Earnings per share (EPS) (€ )
|
0.10
|
0.18
|
Adjusted equity
|
13,336
|
13,728
|
Shareholders' equity
|
13,375
|
13,657
|
DGF - SRF - IDEC - BT adjustment net of tax
|
-39
|
71
|
Average number of shares (million)
|
5,593
|
5,596
|
Book value per share (€ )
|
Book value per share (€ )
|
2.38
|
2.45
|
Intangible assets
|
2,555
|
2,464
|
Tangible book value (€ millon )
|
10,781
|
11,264
|
TBV per share (€ )
|
TBV per share (€ )
|
1.93
|
2.01
|
Share price (€ )
|
0.746
|
0.989
|
Price / Tangible book value (times)
|
Price / Tangible book value (times)
|
0.39
|
0.49
|
Price / Earnings ratio (P/E) (times)
|
Price / Earnings ratio (P/E) (times)
|
7.35
|
5.56
|
(*) Refers to subordinated liabilities of debt securities.
| /xl/drawings/drawing31.xml#Group!A1 |