Information for Shareholders & Investors

All the information you need to know if you are a shareholder of ABANCA, and even of interest if you are not, from the basic business figures to main legal documents and the organization of corporate governance.

Financial Information

Financial reports

2021

Audited reports Date Document
Consolidated accounts September2021 30/09/2021 cuentas-consolidadas-2021-3t-en
Consolidated accounts June 2021 30/06/2021 cuentas-consolidadas-2021-2t-en
Consolidated accounts March 2021 31/03/2021 cuentas-consolidadas-2021-1t-en
Quarterly reports Date Presentation Press release Financial information
2021 third quarter 30/09/2021 resultados-3t-2021-en nota-resultados-3t-2021-en informacion-financiera-3t-2021-en
2021 second quarter 30/06/2021 resultados-2t-2021-en nota-resultados-2t-2021-en informacion-financiera-2t-2021-en
2021 first quarter 31/03/2021 resultados-1t-2021-en nota-resultados-1t-2021-en informacion-financiera-1t-2021-en

2020

Audited reports Date Document
Individual annual accounts 2020 31/12/2020 cuentas-individuales-4t-2020-en
Consolidated annual accounts 2020 31/12/2020 cuentas-consolidadas-4t-2020-en
Consolidated accounts September 2020 30/09/2020 cuentas-3t-2020-en
Consolidated accounts June 2020 30/06/2020 cuentas-2t20-en
Consolidated accounts March 2020 31/03/2020 cuentas-1t20-en
Quaterly reports Date Presentación Press release Financial information
2020 fourth quarter 31/12/2020 resultados-4t-2020-en nota-resultados-4t-2020-en informacion-financiera-4t-2020-en
2020 third quarter 30/09/2020 resultados-3t-2020-en nota-resultados-3t-2020-en informacion-financiera-3t-2020-en
2020 second quarter 30/06/2020 resultados-2t-2020-en nota-resultados-2t-2020-en informacion-financiera-2t-2020-en
2020 first quarter 31/03/2020 resultados-1t-2020-en nota-resultados-1t-2020-en informacion-financiera-1t-2020-en

2019

Audited annual reports Date
Individual annual accounts 2019 31/12/2019 cuentas-individuales-2019-en
Consolidated annual accounts 2019 31/12/2019 cuentas-consolidadas-2019-en
Audited half-yearly reports Date
2019 Consolidated interim accounts 30/06/2019 cuentas-consolidadas-1s-2019-en
Quaterly reports Date Presentation Press release Financial information
2019 fourth quarter 31/12/2019 resultados-4t-2019-en nota-resultados-4t-2019-en informacion-financiera-4t-2019-en
2019 third quarter 30/09/2019 resultados3t-2019-en nota-resultados-3t-2019-en informacion-financiera-3t-2019-en
2019 second quarter 30/06/2019 resultados2t-2019-en nota-resultados-2t-2019-en informacion-financiera-2t-2019-en
2019 first quarter 31/03/2019 resultados1t-2019-en nota-resultados-1t-2019-en informacion-financiera-1t2019-en

2018

Audited annual reports Date
Individual annual accounts 2018 31/12/2018 cuentas-individuales-2018-en
Consolidated annual accounts 2018 31/12/2018 cuentas-consolidadas-2018-en
Audited half-yearly reports Date
2018 Consolidated interim accounts 30/06/2018 cuentas-consolidadas-1s-2018-en
Quarterly reports Date Presentation Press release Financial information
2018 fourth quarter 31/12/2018 resultados-4t-2018-en nota-resultados-4t-2018-en informacion-financiera-4t2018-en
2018 third quarter 30/09/2018 resultados-3t-2018-en nota-resultados-3t-2018-en informacion-financiera-3t2018-en
2018 second quarter 30/06/2018 resultados-2t-2018-en nota-resultados-2t-2018-en informacion-financiera-2t2018-en
2018 first quarter 31/03/2018 resultados-1t-2018-en nota-resultados-1t-2018-en informacion-financiera-1t2018-en

2017

Audited annual reports Date
Individual annual accounts 2017 31/12/2017 cuentas-anuales-individuales-2017-en
Consolidated annual accounts 2017 31/12/2017 cuentas-anuales-consolidadas-2017-en
Audited half-yearly reports Date
2017 Consolidated interim accounts 30/6/2017 1S 2017 Consolidated interim accounts
Quarterly reports Date
2017 fourth quarter 31/12/2017 resultados-4t-2017-en
2017 third quarter 30/9/2017 Results 3Q 2017
2017 second quarter 30/6/2017 Results 2Q 2017
2017 first quarter 31/3/2017 Results 1Q 2017

2016

Audited annual reports Date
Individual annual accounts 2016 31/12/2016 cuentas-anuales-individuales-2016-en
Consolidated annual accounts 2016 31/12/2016 Consolidated annual accounts 2016
Audited half-yearly reports Date
2016 Consolidated interim accounts 30/6/2016 1S 2016 Consolidated interim accounts
Quarterly reports Date
2016 fourth quarter 31/12/2016 Results 4Q 2016
2016 third quarter 30/9/2016 Results 3Q 2016
2016 second quarter 30/6/2016 Results 2Q 2016
2016 first quarter 31/3/2016 Results 1Q 2016

2015

Audited annual reports Date
Individual annual accounts 2015 31/12/2015 Individual annual accounts 2015
Consolidated annual accounts 2015 31/12/2015 Consolidated annual accounts 2015
Audited half-yearly reports Date
2015 Consolidated interim accounts 30/6/2015 1S 2015 Consolidated interim accounts
Quarterly reports Date
2015 fourth quarter 31/12/2015 Results 4Q 2015
2015 third quarter 30/9/2015 Results 3Q 2015
2015 second quarter 30/6/2015 Results 2Q 2015
2015 first quarter 31/3/2015 Results 1Q 2015

2014

Audited annual reports Date
Individual annual accounts 2014 31/12/2014 Consolidated annual accounts 2014
Consolidated annual accounts 2014 31/12/2014 Consolidated annual accounts 2014
Audited half-yearly reports Date
2014 Consolidated interim accounts 30/6/2014 1S 2014 Consolidated accounts

You may also access the reports for Banco Etcheverría S.A., an entity that in November 2014 was taken over in the merger with NCG Banco, S.A. (currently ABANCA Corporación Bancaria, S.A.).

Presentations

2021

Title Date Presentation
3Q2021 Covered Bond Investor Presentation 30/09/2021 covered-bonds-investor-presentation-september-2021-en
Roadshow Inaugural Green Bond SP issuance presentation 27/08/2021 inaugural-green-bond-sp-issuance-presentation-en
2Q2021 Covered Bond Investor Presentation 30/06/2021 covered-bonds-investor-presentation-june-2021-en
Acquitision of Novo Banco Spain 05/04/2021 nbspain-acquisition-en nbspain-main-financial-info-en
1Q21 Covered Bond Investor Presentation 31/03/2021 covered-bonds-investor-presentation-march-2021-en
Investor Presentation 05/01/2021 investor-presentation-jan21-en

2020

Title Date Presentation
4Q20 Covered Bond Investor Presentation 31/12/2020 investor-presentation-4t20-en
3Q20 Covered Bond Investor Presentation 30/09/2020 investor-presentation-3t20-en
Presentation on Bankoa acquisition 31/07/2020 bankoa-acquisition-en bankoa-main-financial-info-en
2Q20 Covered Bond Investor Presentation 30/06/2020 investor-presentation-2t20-en
1Q20 Covered Bond Investor Presentation 31/03/2020 investor-presentation-1q20-en

2019

Title Date Presentation
4Q19 Covered Bonds Investor Presentation 31/12/2019 investor-presentation-4q19-en
Presentation on BCG acquisition 14/10/2019 bcg-acquisition-en bcg-main-financial-info-en
3Q19 Covered Bonds Investor Presentation 30/09/2019 investor-presentation-dec19-en
Investor Presentation 11/09/2019 investor-presentation-sep19-en
Business Presentation Abanca Portugal 12/06/2019 abanca-portugal-en dbpcb-main-financial-info-en
Investor Presentation 13/05/2019 investor-presentation-may19-en
Investor Presentation 15/04/2019 investor-presentation-april19-en
Investor Presentation 09/01/2019 investors-presentation-jan19-en

2018

Title Date File
Investor Presentation 14/09/2018 investor-presentation-sep18-en

Pillar III disclosures

In compliance with the provisions of public disclosure of information established in Part Eighth of EU Regulation 575/2013 (CRR-Capital Requirements Regulation), the Pillar III disclosure report is provided below.

2020

2019

2018

2017

2016

2016 Pillar III disclosure report ABANCA Holding Financiero 2016 Pillar III disclosure report ABANCA Holding Financiero

2015

2015 Pillar III disclosure report ABANCA Holding Financiero Pillar III disclosure report ABANCA Holding Financiero

2014

2014 Pillar III disclosure report ABANCA Holding Hispania Pillar III disclosure report ABANCA Holding Hispania

Other regulators

ABANCA Corporación Bancaria, S.A. has not sent public information to other regulatory bodies other than that required under Spanish regulations.

Ratings

Ratings reflect the opinion of specialised rating agencies on the credit quality of each and every bond and the solvency of an issuing entity.

Below there are the latest reports on credit analysis of ABANCA Corporación Bancaria, S.A. assigned by the rating agencies Fitch, Standard & Poor’s, DBRS and Moody's

Current

Issuer rating

Agency Modification date Long term Short term Outlook Financial strength Latest rating action
Fitch Ratings sep/21 BBB- F3 Stable bbb- fitch-revises-rating-outlook-to-estable-20200910-en
Standard&Poor's feb/21 BB+ B Stable bb+ standardandpoors-outlook-stable-20210210-en
DBRS jun/21 BBB R-2 (high) Stable BBB dbrs-revises-trend-to-stable-en
Moody's jul/21 Baa3 P-3 Stable ba1 moodys-rating-action-20210713-en

Mortgage covered bonds

Agency Modification date Rating Outlook Latest rating action
Standard&Poor's * may/20 AA+ Negative standardandpoors-coveredbonds-20200508-en
Moody's oct/19 Aa1 n.a Moody's

2021

Highlighted in blue are the ratings corresponding to the latest rating action that has led to a modification.

10-09-2021

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Baa3
Short term F3 B R-2 (high) P-3
Outlook Stable Stable Stable Stable
Financial strength bbb- bb+ BBB ba1

13-07-2021

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Baa3
Short term F3 B R-2 high P-3
Outlook Negative Stable Stable Stable
Financial stregth bbb- bb+ BBB ba1

22-06-2021

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Ba1
Short term F3 B R-2 high NP
Outlook Negative Stable Stable Stable
Financial strength bbb- bb+ BBB ba1

10-02-2021

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Ba1
Short term F3 B R-2 high NP
Outlook Negative Stable Negative Stable
Financial strength bbb- bb+ BBB ba1

2020

Highlighted in blue are the ratings corresponding to the latest rating action that has led to a modification.

23-09-2020

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Ba1
Short term F3 B R-2 high NP
Outlook Negative Negative Negative Stable
Financial strength bbb- bb+ BBB ba1

08-07-2020

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Ba1
Short term F3 B R-2 high NP
Outlook RWN Negative Negative Stable
Financial strength bbb- bb+ BBB ba1

29-04-2020

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Ba1
Short term F3 B R-2 high NP
Outlook RWN Negative Stable Stable
Financial strength bbb- bb+ BBB ba1

22-04-2020

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Ba1
Short term F3 B R-2 high NP
Outlook RWN Stable Stable Stable
Financial strength bbb- bb+ BBB ba1

27-03-2020

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Ba1
Short term F3 B R-2 high NP
Outlook RWN Stable Stable Positive
Financial strength bbb- bb+ BBB ba1

12-02-2020

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Ba1
Short term F3 B R-2 high NP
Outlook Stable Stable Stable Positive
Financial strength bbb- bb+ BBB ba1

2019

Highlighted in blue are the ratings corresponding to the latest rating action that has led to a modification.

01-10-2019

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Ba1
Short term F3 B R-2 high NP
Outlook Stable Positive Stable Positive
Financial strength bbb- bb+ BBB ba1

10-09-2019

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Ba2
Short term F3 B R-2 high NP
Outlook Stable Positive Stable Positive
Financial strength bbb- bb+ BBB ba2

18-07-2019

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB Ba2
Short term F3 B R-2 high NP
Outlook Stable Stable Stable Positive
Financial strength bbb- bb+ BBB ba2

19-03-2019

Rating Fitch S&P DBRS Moody's
Long term BBB- BB+ BBB low Ba2
Short term F3 B R-2 middle NP
Outlook Stable Stable Positive Positive
Financial strength bbb- bb+ BBB low ba2

2018

Highlighted in blue are the ratings corresponding to the latest rating action that has led to a modification.

02-10-2018

Rating Fitch S&P DBRS Moody's
Long term BB+ BB+ BBB low Ba2
Short term B B R-2 middle NP
Outlook Positive Stable Positive Positive
Financial strength bb+ bb+ BBB low ba2

19-07-2018

Rating Fitch S&P DBRS Moody's
Long term BB+ BB BBB low Ba2
Short term B B R-2 middle NP
Outlook Positive Positive Positive Positive
Financial strenght bb+ bb BBB low ba2

25-05-2018

Rating Fitch S&P DBRS Moody's
Long term BB+ BB BBB low Ba2
Short term B B R-2 middle NP
Outlook Positive Positive Stable Positive
Financial strength bb+ bb BBB low ba2

06-04-2018

Rating Fitch S&P DBRS Moody's
Long term BB+ BB BBB low Ba3
Short term B B R-2 middle NP
Outlook Positive Positive Stable Stable
Financial strength bb+ bb BBB low ba3

27-03-2018

Rating Fitch S&P DBRS Moody's
Long term BB+ BB- BBB low Ba3
Short term B B R-2 middle NP
Outlook Positive Positive Stable Stable
Financial strength bb+ bb- BBB low ba3

2017

Highlighted in blue are the ratings corresponding to the latest rating action that has led to a modification.

10-05-2017

Rating Fitch S&P DBRS Moody's
Long term BB+ BB- BBB low Ba3
Short term B B R-2 middle NP
Outlook Stable Positive Stable Stable
Financial strength bb+ bb- BBB low ba3

09-02-2017

Rating Fitch S&P DBRS
Long term BB+ BB- BBB low
Short term B B R-2 middle
Outlook Stable Positive Stable
Financial strength bb+ bb- BBB low

2016

Highlighted in blue are the ratings corresponding to the latest rating action that has led to a modification.

25-10-2016

Rating Fitch S&P DBRS
Long term BB+ B+ BBB low
Short term B B R-2 middle
Outlook Stable Positive Stable
Financial strength bb+ b+ BBB low

2015

Highlighted in blue are the ratings corresponding to the latest rating action that has led to a modification.

03-12-2015

Rating Fitch S&P DBRS
Long term BB+ B+ BBB low
Short term B B R-2 middle
Outlook Stable Stable Stable
Financial strength bb+ b+ BBB low

29-09-2015

Rating Fitch S&P DBRS
Long term BB+ B+ BBB low
Short term B B R-2 middle
Outlook Stable Stable Stable
Financial strength bb+ b BBB low

22-04-2015

Rating Fitch S&P DBRS
Long term BB+ B+ BBB low
Short term B B R-2 middle
Outlook Stable Stable Positive
Financial strength bb+ b BB high

01-04-2015

Rating Fitch S&P DBRS
Long term BB+ B BBB low
Short term B B R-2 middle
Outlook Stable Stable Positive
Financial strength bb+ b- BB high

2014

Highlighted in blue are the ratings corresponding to the latest rating action that has led to a modification.

31-12-2014

Rating Fitch S&P DBRS
Long term BB+ B BBB low
Short term B B R-2 middle
Outlook Negative Stable Positive
Financial strength bb- b- BB high

You may also access the rating definitions of the different rating agencies:

The ratings assigned can be reviewed, suspended or withdrawn by the rating agencies at any time. These ratings do not constitute a recommendation to buy, sell or subscribe securities issued by ABANCA Corporación Bancaria, S.A.

* ABANCA Corporación Bancaria, S.A. commits to maintain the amount of overcollateralization required by S&P Global Ratings to hold the rating for ABANCA covered bond program with the maximum potential collateral-based uplift.

Other financial information

Average payment period to suppliers

Exposures subject to measures implemented in response to the COVID-19 crisis

2021

"Guidelines on reporting of exposures subject to measures applied in response to COVID-19 crisis EBA/GL/2020/07" - Annex 3: Template for the dissemination of information relating to exposures subject to legislative and non-legislative moratoriums and new exposures subject to public guarantee programmes.
Templates EBA/GL/2020/07 June 2021 30/06/2021 plantillas-eba-062021-en

2020

"Guidelines on reporting of exposures subject to measures applied in response to COVID-19 crisis EBA/GL/2020/07" - Annex 3: Template for the dissemination of information relating to exposures subject to legislative and non-legislative moratoriums and new exposures subject to public guarantee programmes.
Templates EBA/GL/2020/07 December 2020 31/12/2020 plantillas-eba-122020-en
Templates EBA/GL/2020/07 June 2020 30/06/2020 plantillas-eba-062020-en

ABANCA Vida y Pensiones Solvency and Financial Condition Report (SFCR)

2020

2019

2018

2017

ABANCA GENERALES DE SEGUROS Y REASEGUROS Solvency and Financial Condition Report (SFCR)

2020