Data source: 2025-Q2 figures ingested from the EBA Transparency Exercise. European figures update as filings are published — semi-annually for EBA, per-results for 6-K — not via a real-time API like US banks (FDIC).

Banco Sabadell

SAB

Spain · EuropeRegulated by ECBLatest: 2025-Q2

40MED

CET1 Ratio

13.06%+0.26pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$79.2B

+1.20% QoQ growth

Total Loan Book

$168.8B

+1.9% YoY growth

Leverage Ratio

4.60%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q2

Comm. Real Estate22.0%

Consumer15.0%

SME / C&I40.0%

Other23.0%

Metric History

1 quarters · EBA Transparency Exercise

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q2latest	13.06%	4.60%	$79.2B	$168.8B	+1.9%	+1.20%	22.0%	15.0%	40.0%	40

AI Investment Memo

Llama will analyze Banco Sabadell across 4 data dimensions and write a structured memo

Score: 40/100·Model: gpt-oss-120b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

40/100 —MEDIUM

First-time candidate · scored on fundamentals (0–54 band)

Capital Pressure7/40

CET1 13.06% — approaching comfort floor

-1.06pp headroom above 8% regulatory floor

CET1 stable or improving (12.80% → 13.06%)

Leverage ratio 4.60% — moderate constraint

Loan Book Growth6/30

Loan book grew 1.9% YoY

RWA grew 1.2% QoQ

CRE: 22%, Lev.Loans: 0%, max(Consumer/SME): 40%

Historical SRT0/25

No prior SRT deals on record

Macro Context7/10

Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts

Mid-Size Bank

$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha

+10

Europe regional bonus+8

Macro environment · FAVORABLE+2

Sentiment +6/20 · global +2 pts

Overall SRT likelihood40/100