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Sabadell issues securitisation of consumer loans amounting to 1 billion euros

  • This transaction, subscribed by domestic and international institutional investors, will generate a capital gain of 80 million euros
  • It will also have a positive impact on the fully-loaded CET1 ratio of approximately 10bps


Banco Sabadell has today signed the creation of “Sabadell Consumo 1”, a securitisation fund of the bank’s consumer loans with a net book value of 1 billion euros with an average interest rate of 7.4% as at the date of the assignment, and an average duration of approximately two years.

All of the asset-backed securities will be subscribed by institutional, national and international investors after a bookbuilding process, which was more than three times oversubscribed.

It is worth highlighting that this transaction will generate a capital gain of 80 million euros before tax, as well as a total positive impact on the Common Equity Tier 1 ratio (in fully-loaded terms) of approximately 10 basis points.

The transaction will be completed once the asset-backed securities issued by the securitisation fund have been subscribed and paid for, and this will entail the derecognition of the aforementioned loans from the balance sheet, along with the corresponding release of risk-weighted assets.

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Banco de Sabadell, S.A. Avenida Óscar Esplá, 37, 03007 Alicante, registered with the Mercantile Register in Alicante, tome 4070, folio 1, page A-156980, Fiscal Identification Number (NIF) A08000143.
Financial institution under the supervision of the Bank of Spain and registered in the Special Administrative Register under number 0081
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