Banco de Sabadell, S.A. (BNDSF)

Banco de Sabadell Income Statement

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	-	8,669	7,771	4,500	3,735
Interest Income on Investments	-	1,051	895.94	491.37	413.83
Total Interest Income	-	9,720	8,667	4,991	4,149
Interest Paid on Deposits	-	4,692	3,936	1,190	722.09
Net Interest Income	3,537	5,028	4,732	3,801	3,427
Net Interest Income Growth (YoY)	-29.65%	6.26%	24.47%	10.93%	0.78%
Income From Trading Activities	-6	-231.5	122.25	204.69	-183.56
Gain (Loss) on Sale of Assets	-37	-36.39	-59.96	-27.8	-7.39
Gain (Loss) on Sale of Investments	-	21.45	27.74	17.33	27.46
Gain (Loss) on Sale of Equity Investments	-	159.63	122.81	152.92	100.28
Other Non-Interest Income	1,365	1,357	850.21	1,043	1,337
Total Non-Interest Income	1,322	1,270	1,063	1,390	1,274
Non-Interest Income Growth (YoY)	4.08%	19.48%	-23.52%	9.10%	-0.20%
Revenues Before Loan Losses	4,859	6,298	5,795	5,191	4,701
Provision for Loan Losses	491	587.29	809.31	848.59	636.36
Revenue	4,368	5,711	4,985	4,343	4,064
Revenue Growth (YoY)	-23.51%	14.55%	14.80%	6.85%	11.06%
Salaries and Employee Benefits	-	1,515	1,462	1,387	1,475
Occupancy Expenses	421	501.04	518.97	545.09	526.51
Selling, General & Administrative	-	935.77	891.37	836.55	877.72
Other Non-Interest Expense	1,868	219.4	132.6	189.83	123.56
Total Non-Interest Expense	2,289	3,171	3,005	2,958	3,002
EBT Excluding Unusual Items	2,079	2,540	1,980	1,385	1,062
Asset Writedown	-	-61.51	-58.66	-65.9	-104.16
Legal Settlements	-	45.91	-4.56	-45.21	-39.61
Pretax Income	2,079	2,514	1,891	1,273	619.99
Income Tax Expense	685	685.27	557.18	373.26	81.28
Earnings From Continuing Operations	1,394	1,829	1,334	900.14	538.71
Earnings From Discontinued Operations	383	-	-	-	-
Minority Interest in Earnings	-2	-1.82	-1.42	-10.75	-8.47
Net Income	1,775	1,827	1,332	889.39	530.24
Preferred Dividends & Other Adjustments	-	98.16	115.39	110.38	100.59
Net Income to Common	1,775	1,729	1,217	779.02	429.65
Net Income Growth	-2.84%	37.13%	49.79%	67.73%	26385.42%
Basic Shares Outstanding	4,997	5,376	5,401	5,594	5,586
Diluted Shares Outstanding	4,997	5,376	5,401	5,594	5,586
Shares Change (YoY)	-7.06%	-0.46%	-3.45%	0.13%	0.07%
EPS (Basic)	0.36	0.32	0.23	0.14	0.08
EPS (Diluted)	0.36	0.32	0.23	0.14	0.08
EPS Growth	11.00%	42.04%	61.77%	81.08%	-
Dividend Per Share	-	0.204	0.060	0.040	0.030
Dividend Growth	-	240.67%	50.00%	33.33%	-
Effective Tax Rate	32.95%	27.26%	29.47%	29.31%	13.11%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.