Banco Santander

Banco Santander is a holding company, providing a range of financial products. Co.'s products and services include: retail banking business that covers all customer banking businesses; wholesale banking business; as well as asset management and insurance business. Co.'s principal operations are in Spain, the U.K., Portugal, Germany, Italy and Latin America. As of Dec 31 2014, Co.'s total assets amounted to Euro1,266,296,000,000 and total customer deposits amounted to Euro647,627,000,000.
  • TickerSAN
  • ISINES0113900J37
  • ExchangeMadrid Stock Exchange
  • SectorBanks
  • CountrySpain

Analysts

Research Department

CAMBIO DE CARTERAS BANCO SABADELL SEMANA 30 OCTUBRE A 06 NOVIEMBRE 2019 (ANÁLISIS BANCO SABADELL)

Cartera Modelo Europa Sale Danone y entra Kering. Subimos peso en Bayer y BNP Paribas. Cartera High Yield Europa Air Liquide, Allianz, Daimler, SAP y Vivendi Sin cambios esta semana. Cartera Modelo España Sin cambios esta semana. Cartera 5 Valores España ACS, Caixabank, Cellnex, Ferrovial y Telefónica Sin cambios esta semana. Cartera 5 valores High Yield España Iberdrola, Merlin, Repsol, Santander y Telefónica Sin cambios esta semana. Cartera Pequeñas y Medianas España Applus, CAF, Dominion, Enagás, Ence, Indra, Logista, Masmóvil, Sacyr y Unicaja Sin cambios esta semana.

Research Department

IBERIAN DAILY 05 NOVEMBER (ANÁLISIS BANCO SABADELL)

NEWS SUMMARY: ACERINOX, ARCELOR MITTAL, IAG, IBERPAPEL, MERLIN PROPERTIES, RED ELÉCTRICA, SANTANDER, SIEMENS GAMESA, TELEFÓNICA. MARKETS YESTERDAY AND TODAY The trade dispute continues to drive the markets European equity markets rose more than +1.0% to 4-year highs amid the improved tone on the trade war and the possibility that tariffs will not be imposed on the Auto sector. Thus, within the Euro Stoxx the biggest gains came in cyclical sectors linked to international trade, such as Basic Materials and Autos, compared to Food and Utilities, which were among the few sectors posting losses...

Research Department

INFORME DIARIO 05 NOVIEMBRE (ANÁLISIS BANCO SABADELL)

COMPAÑÍAS QUE APARECEN EN EL INFORME. ESPAÑA. ACERINOX, ARCELOR, IAG, IBERPAPEL, MERLIN, RED ELÉCTRICA, SANTANDER, SIEMENS GAMESA. EUROPA. BMW, DAIMLER, SAP, VOLKSWAGEN El sustento del frente comercial Subidas en Europa superiores al +1,0% hasta los máximos de los últimos 4 años entre el mejor tono sobre la disputa comercial ante la posibilidad de que no se impongan aranceles sobre el sector Autos. Dentro del Euro STOXX protagonizaron las mayores subidas los cíclicos vinculados con el comercio internacional como R. Básicos y Autos frente a Alimentación y Utilities, que fueron de los pocos qu...

Banco Santander Sa: 2 directors bought

Two Directors at Banco Santander Sa bought 9,005,000 shares at between 3.600EUR and 3.620EUR. The significance rating of the trade was 70/100. Is that information sufficient for you to make an investment decision? This report gives details of those trades and adds context and analysis to them such that you can judge whether these trading decisions are ones worth following. Included in the report is a detailed share price chart which plots discretionary trades by all the company's directors over the last two years clearly showing Close periods where trading activity is restricted under listin...

Research Department

IBERIAN DAILY 01 NOVEMBER (ANÁLISIS BANCO SABADELL)

NEWS SUMMARY: CATALANA OCCIDENTE, CIE AUTOMOTIVE, ELECTRICITY AND GAS SECTOR, FERROVIAL, GRIFOLS, MEDIASET ESPAÑA, MERLIN PROPERTIES, REPSOL, SANTANDER. MARKETS YESTERDAY AND TODAY All eyes on the trade deal Stock markets fell once again after it was mentioned by the press that the Chinese authorities are doubtful that a trade deal can be struck with D. Trump. However, the US president once again was confident in reaching an agreement by mid November. Within the Euro STOXX, the best-performing sectors were Travel&Leisure and Utilities vs. Basic Resources and Autos, which ended with the bi...

Carine Maciol

Santander : Upgrading our recommendation on Tier 2 notes to Buy following 2016 results in line with the strategic plan and the publication of the funding plan.

Friday 17 February 2017 - - Equity data - Reco: Neutral - Target: € 5.10 - Equity analyst: Jean Sassus - [email protected] - +33-1 44 51 83 08 - ESG analyst: XXX - Corporate governance: Opportunity (2) - / - / - - - - - Santander has released 2016 results ahead of forecasts and reiterated the targets of its 2018 strategic plan. Above all, the publication of the funding plan for the next two years finally addresses the bank's relatively large TLAC gap. In all, Santander aims to issue € 28bn-€ 35.5bn of senior non-preferred debt over the next two years. Bear in mind that on 23 November the E...

Carine Maciol

Santander : Suite à des résultats 2016 en ligne avec le plan stratégique et à la publication du plan de funding, nous relevons notre recommandation sur les Tier 2 à l’Achat.

Santander a publié des résultats 2016 supérieurs aux attentes et qui valident les objectifs de la stratégie à horizon 2018 mise en œuvre. Surtout la publication du plan de funding pour les deux années à venir permet (enfin) d’adresser la situation d’un gap de TLAC relativement conséquent. Au total, Santander ambitionne d’émettre 28 à 35.5 mds EUR de dettes Senior Non Preferred dans les deux ans à venir. Rappelons que la Commission Européenne a proposé dans le cadre de la révision de la BRRD le 23 novembre 2016 la création de ces nouvelles dettes (à l’image de ce qui a été créé par la Loi Sapin...

Research Department

CAMBIO DE CARTERAS BANCO SABADELL SEMANA 30 OCTUBRE A 06 NOVIEMBRE 2019 (ANÁLISIS BANCO SABADELL)

Cartera Modelo Europa Sale Danone y entra Kering. Subimos peso en Bayer y BNP Paribas. Cartera High Yield Europa Air Liquide, Allianz, Daimler, SAP y Vivendi Sin cambios esta semana. Cartera Modelo España Sin cambios esta semana. Cartera 5 Valores España ACS, Caixabank, Cellnex, Ferrovial y Telefónica Sin cambios esta semana. Cartera 5 valores High Yield España Iberdrola, Merlin, Repsol, Santander y Telefónica Sin cambios esta semana. Cartera Pequeñas y Medianas España Applus, CAF, Dominion, Enagás, Ence, Indra, Logista, Masmóvil, Sacyr y Unicaja Sin cambios esta semana.

Research Department

IBERIAN DAILY 05 NOVEMBER (ANÁLISIS BANCO SABADELL)

NEWS SUMMARY: ACERINOX, ARCELOR MITTAL, IAG, IBERPAPEL, MERLIN PROPERTIES, RED ELÉCTRICA, SANTANDER, SIEMENS GAMESA, TELEFÓNICA. MARKETS YESTERDAY AND TODAY The trade dispute continues to drive the markets European equity markets rose more than +1.0% to 4-year highs amid the improved tone on the trade war and the possibility that tariffs will not be imposed on the Auto sector. Thus, within the Euro Stoxx the biggest gains came in cyclical sectors linked to international trade, such as Basic Materials and Autos, compared to Food and Utilities, which were among the few sectors posting losses...

Research Department

INFORME DIARIO 05 NOVIEMBRE (ANÁLISIS BANCO SABADELL)

COMPAÑÍAS QUE APARECEN EN EL INFORME. ESPAÑA. ACERINOX, ARCELOR, IAG, IBERPAPEL, MERLIN, RED ELÉCTRICA, SANTANDER, SIEMENS GAMESA. EUROPA. BMW, DAIMLER, SAP, VOLKSWAGEN El sustento del frente comercial Subidas en Europa superiores al +1,0% hasta los máximos de los últimos 4 años entre el mejor tono sobre la disputa comercial ante la posibilidad de que no se impongan aranceles sobre el sector Autos. Dentro del Euro STOXX protagonizaron las mayores subidas los cíclicos vinculados con el comercio internacional como R. Básicos y Autos frente a Alimentación y Utilities, que fueron de los pocos qu...

Research Department

IBERIAN DAILY 01 NOVEMBER (ANÁLISIS BANCO SABADELL)

NEWS SUMMARY: CATALANA OCCIDENTE, CIE AUTOMOTIVE, ELECTRICITY AND GAS SECTOR, FERROVIAL, GRIFOLS, MEDIASET ESPAÑA, MERLIN PROPERTIES, REPSOL, SANTANDER. MARKETS YESTERDAY AND TODAY All eyes on the trade deal Stock markets fell once again after it was mentioned by the press that the Chinese authorities are doubtful that a trade deal can be struck with D. Trump. However, the US president once again was confident in reaching an agreement by mid November. Within the Euro STOXX, the best-performing sectors were Travel&Leisure and Utilities vs. Basic Resources and Autos, which ended with the bi...

Research Department

INFORME DIARIO 01 NOVIEMBRE (ANÁLISIS BANCO SABADELL)

COMPAÑÍAS QUE APARECEN EN EL INFORME. ESPAÑA. CATALANA OCCIDENTE, CIE AUTOMOTIVE, FERROVIAL, GRIFOLS, MEDIASET, MERLIN, SANTANDER, SECTOR ELECTRICO/GAS, REPSOL. Bajo el foco comercial Las bolsas volvieron a descender después de que apareciera en prensa que las autoridades chinas dudan sobre la posibilidad de lograr un acuerdo comercial integral con D. Trump. Sin embargo, el presidente estadounidense volvió a sonar confiado con alcanzar un acuerdo para mediados de noviembre. En el Euro STOXX los mejores sectores fueron Viajes&Ocio y Utilities frente a R. Básicos y Autos que terminaron con las...

Banco Santander Sa: 2 directors bought

Two Directors at Banco Santander Sa bought 9,005,000 shares at between 3.600EUR and 3.620EUR. The significance rating of the trade was 70/100. Is that information sufficient for you to make an investment decision? This report gives details of those trades and adds context and analysis to them such that you can judge whether these trading decisions are ones worth following. Included in the report is a detailed share price chart which plots discretionary trades by all the company's directors over the last two years clearly showing Close periods where trading activity is restricted under listin...

Ahmed Ben Salem ...
  • Alfred Glaser
  • Antoine Boivin-Champeaux
  • Baptiste Lebacq
  • Delphine Brault
  • Emmanuel Matot
  • François Maury
  • Georges Dieng
  • Jean Sassus
  • Louis Boujard, CFA
  • Martial Descoutures
  • Oussema Denguir
  • Philippe Ourpatian
  • Steven Gould
  • Sven Edelfelt
  • Virginie Rousseau
  • Yan Derocles
  • Yassine Batini

ODDO BHF SECURITIES MORNING NEWS – DETAILED COMMENTS 10/31/2019

...

Ahmed Ben Salem ...
  • Alfred Glaser
  • Antoine Boivin-Champeaux
  • Baptiste Lebacq
  • Delphine Brault
  • Emmanuel Matot
  • François Maury
  • Georges Dieng
  • Jean Sassus
  • Louis Boujard, CFA
  • Martial Descoutures
  • Oussema Denguir
  • Philippe Ourpatian
  • Steven Gould
  • Sven Edelfelt
  • Virginie Rousseau
  • Yan Derocles
  • Yassine Batini

ODDO BHF SECURITIES MORNING NEWS – COMMENTAIRES DETAILLES 31/10/2019

...

Ahmed Ben Salem ...
  • Christophe-Raphaël Ganet
  • Jean Sassus
  • Michael Foundoukidis
  • Steven Gould
  • Sylvain Goyon, CFA

ODDO BHF SECURITIES MORNING NEWS – DETAILED COMMENTS 09/25/2019

The key to a “healthy” progression lies in EPS growth. Yet forecasts for 2020e (+9.2% vs +2.0% at 12m for our Stoxx 600 model) are too high relative to the cycle. Downward revisions are inevitable, limiting scope for an easing of the risk premium. So it is difficult to see a lasting rebound for value and cyclicals apart from sudden surges driven by rumours of an easing of the trade war, fading prospects of a no-deal Brexit or even a fiscal stimulus. None of these factors looks capabl...

Ahmed Ben Salem ...
  • Christophe-Raphaël Ganet
  • Jean Sassus
  • Michael Foundoukidis
  • Steven Gould
  • Sylvain Goyon, CFA

ODDO BHF SECURITIES MORNING NEWS – COMMENTAIRES DETAILLES 25/09/2019

La clef d’une progression « saine » réside dans celle des BPA. Or les attentes 2020e (9.2% vs 2.0% à 12 mois pour notre modèle Stoxx 600) sont trop élevées au regard du cycle. Les révisions en baisse sont inéluctables, restreignant le potentiel de détente de la prime de risque. Difficile alors d’entrevoir un rebond durable de la value et des cycliques en dehors de mouvements haussiers brutaux sur fonds de rumeur d’apaisement de la guerre commerciale, d’éloignement du no-deal Brexit vo...

Alexandre Iatrides ...
  • Benoit Valleaux
  • Christophe Chaput
  • Christophe-Raphaël Ganet
  • Emira Sagaama
  • Emmanuel Matot
  • Florent Laroche-Joubert
  • François Maury
  • Georges Dieng
  • Harald Eggeling
  • Jean Sassus
  • Johanna Jourdain
  • Louis Boujard
  • Matthias Desmarais
  • Michael Foundoukidis
  • Philippe Ourpatian
  • Rémi Adam
  • Samantha Jeary
  • Stephane Houri
  • Steven Gould
  • Sven Edelfelt
  • Virginie Rousseau

ODDO BHF SECURITIES MORNING NEWS – DETAILED COMMENTS 07/24/2019

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An increasingly favourable environment allows BANCO SANTANDER SA to improve to Neutral

The independent financial analyst theScreener just upgraded the general evaluation of BANCO SANTANDER SA (ES), a company active in the Money Center Banks industry. As regards its fundamental valuation, the title confirms its rating of 3 out of 4 stars while its market behaviour remains as risky. theScreener believes, however, that a more enabling environment allows the title to increase its general evaluation to Neutral. As of the analysis date October 15, 2019, the closing price was EUR 3.90 and its expected value was estimated at EUR 3.68.

Ibrahim Firdaus

Banco Santander

Ibrahim Firdaus

Banco Santander

Ibrahim Firdaus

Banco Santander

Ibrahim Firdaus

Banco Santander

ING
Hendrik Wiersma ...
  • Jeroen van den Broek
  • Job Veenendaal
  • Nadège Tillier
  • Suvi Platerink Kosonen

Coffee, Croissants & Credit/Danone, Handelsbanken and Banco Santander

Danone (BNFP) updated on 1Q19 sales this morning. Revenue came in at €6,138m, a touch ahead of consensus of €6.11bn. LFL sales growth was +0.8%, which was in line with expectations. LFL growth continues to be dragged down by the consumer boycott in Mexico, excluding which LFL growth would have been +1.5%. LFL sales growth was positive for all reporting entities, with Waters showing the strongest growth of +3.9%, driven by strong Evian sales in the US and solid growth in LatAm. Specialized Nutrition was in focus after the slowdown in Early Life Nutrition in China, which started in the third qua...

ING
Suvi Platerink Kosonen

Banco Santander/Santander and its economic call policy

Banco Santander indicated that it has decided to call its US$1.5bn AT1 bond on 19 May 2019. The decision is irrevocable. The USD denominated AT1 note was issued in May 2014 with a coupon of 6.375% and it would have reset c.80bp higher if it was not called. This contrasts with the EUR bond that was not called earlier this year and saw its coupon fixing c.80bp lower due to lower swap rates. Santander has indicated to make its call decisions on an economic basis and the two call decisions this year confirm that investors should remain wary on the call prospects. We see value in Santander's Tier 2...

ING
Hendrik Wiersma ...
  • Jeroen van den Broek
  • Job Veenendaal
  • Nadège Tillier
  • Suvi Platerink Kosonen

Coffee, Croissants & Credit/Corporate supply, UniCredit, Santander, and German TSOs

Our target corporate supply was at €240bn (down 10% on last year). The fast start to the year would indicate that last year's supply number at €270bn would be more of a reachable low-end to expect the full year number to target. However, we feel that pre-financing has been prevalent to avoid external shocks, European corporates have low funding needs, Easter periods and renewed earnings season will slow the current volumes and lastly the pace of US issuer EUR supply (reverse Yankees) will falter. Nevertheless the combination of those resurgent reverse Yankees and the low funding level environm...

Philippe Lamaud

Santander : Call me maybe. ‘Buy’ recommendations broadly maintained with call expectations for AT1 PNC19 in coming quarters

No refinancing (yet) of AT1 PNC19; probability of call at first call dates (much) reduced - >Santander has until 12 February to announce the call at first call date of its EUR AT1 6.25% PNC19. The deadline for the announcement of the call of the AT1 USD 6.375% PNC19 is 19 April.As Santander's capital position is broadly just acceptable and specifically its AT1 capital bucket barely meets the 1.5% requirement, the bank would have to replace the called bonds to m...

Philippe Lamaud

Santander : Call me maybe. ‘Buy’ recommendations broadly maintained with call expectations for AT1 PNC19 in coming quarters

No refinancing (yet) of AT1 PNC19; probability of call at first call dates (much) reduced - >Santander has until 12 February to announce the call at first call date of its EUR AT1 6.25% PNC19. The deadline for the announcement of the call of the AT1 USD 6.375% PNC19 is 19 April.As Santander's capital position is broadly just acceptable and specifically its AT1 capital bucket just meets the 1.5% requirement, the bank would have to replace the bonds to maintain i...

MarketLine Department

Banco de Sabadell SA - Strategy, SWOT and Corporate Finance Report

Summary Banco de Sabadell SA - Strategy, SWOT and Corporate Finance Report, is a source of comprehensive company data and information. The report covers the company's structure, operation, SWOT analysis, product and service offerings and corporate actions, providing a 360˚ view of the company. KeyHighlights Banco de Sabadell SA (Banco Sabadell) is a provider of banking and other financial solutions. Its product portfolio includes demand and term deposits, credit and debit cards, mortgages, term loans, syndicated loans, mutual funds, and structured finance. The group offers various services,...

MarketLine Department

Andorra Banc Agricol Reig SA - Strategy, SWOT and Corporate Finance Report

Summary Andorra Banc Agricol Reig SA - Strategy, SWOT and Corporate Finance Report, is a source of comprehensive company data and information. The report covers the company's structure, operation, SWOT analysis, product and service offerings and corporate actions, providing a 360˚ view of the company. KeyHighlights Andorra Banc Agricol Reig SA (Andbank) is a provider of banking solutions and services, and along with its subsidiaries, serves to private clients, family offices, and independent financial advisors.. Its portfolio of products includes asset management, be-spoke solutions, portfo...

Esther Castro ...
  • Maria Paz Ojeda

BANKING SECTOR REPORT: 2Q19 ESTIMATES - IN LINE WITH THE 2019 GUIDANCE (ANÁLISIS BANCO SABADELL)

BANKING SECTOR REPORT: 2Q19 ESTIMATES - IN LINE WITH THE 2019 GUIDANCE (ANÁLISIS BANCO SABADELL)

MarketLine Department

Itau Unibanco Holding SA - Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments

Summary Marketline's Itau Unibanco Holding SA Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments report includes business description, detailed reports on mergers and acquisitions (M&A), divestments, capital raisings, venture capital investments, ownership and partnership transactions undertaken by Itau Unibanco Holding SA since January2007. Marketline's Company Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments reports offer a comprehensive breakdown of the organic and inorganic growth activity undertaken by an organization to sustain its competitive a...

MarketLine Department

BNP Paribas SA - Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments

Summary Marketline's BNP Paribas SA Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments report includes business description, detailed reports on mergers and acquisitions (M&A), divestments, capital raisings, venture capital investments, ownership and partnership transactions undertaken by BNP Paribas SA since January2007. Marketline's Company Mergers & Acquisitions (M&A), Partnerships & Alliances and Investments reports offer a comprehensive breakdown of the organic and inorganic growth activity undertaken by an organization to sustain its competitive advantage. Key Highl...

Expert Corporate Governance Service (ECGS)

Banco Santander, 23 July 2019

The EGM is called to authorize the Board of Directors to increase the share capital to acquire all the shares of Santander México not held by the Santander Group (equal to 25% of the share capital) in an exchange offer. Santander México's shares are traded on the Bolsa Mexicana de Valores ("BMV"), and, by means of American Depositary Shares ("ADS") each representing 5 shares, on the New York Stock Exchange ("NYSE").The shareholders of Santander México will receive (a) 0.337 Banco Santander shares for each share held, or (b) 1.685 Banco Santander ADSs for each ADS. After the transaction, new Ba...

Expert Corporate Governance Service (ECGS)

Banco Santander April 11th, 2019

In item 3. E, the Board proposes the re-election of the Lead Independent Director Mr. Bruce Carnegie-Brown. Even though he is deemed independent, we have serious concerns over his annual compensation from the Bank, above € 700'000 for the past 4 years, an amount which may undermine his independent judgement as Director. Therefore, we recommend opposition. In item 9, shareholders are called to a binding vote on the bank's remuneration policy, unchanged from last year's, which will extend until 2021. The quality of disclosure is at the highest levels in Spain, as all performance conditions are ...

Banco Santander – Proxinvest Corporate Governance Rating ® : C

Proxinvest Corporate Governance Rating ® helps investors integrate governance into their investment decision and identify governance risks and opportunities within their portfolio. Proxinvest Corporate Governance Rating ® Service rates European issuers through the analysis of four main themes : Ownership & Shareholder rights, Board & Committees, Audit & Process, Remuneration. Each theme is rated taking into account several comprehensive sub-categories. Our unique two-step process to achieve each rating includes a first step quantitative valuation and a second step qualitative filter...

Research Department

BANCO SABADELL RECOMMENDED PORTFOLIO WEEK 23 TO 30 OCTOBER 2019 (ANÁLISIS BANCO SABADELL)

European Portfolio We lower Volkswagen’s weight and raise that of Airbus. European High Yield Portfolio Air Liquide, Allianz, Daimler, SAP & Vivendi No changes this week. Spanish Recommended Portfolio No changes this week. 5-Stock Recommended Portfolio ACS, Caixabank, Cellnex, Ferrovial & Telefónica No changes this week. 5 High-Yield Stock Portfolio Iberdrola, Merlin, Repsol, Santander & Telefónica No changes this week. Mid&Small Recommended Portfolio Applus, CAF, Dominion, Enagás, Ence, Indra, Logista, Másmóvil, Sacyr & Unicaja No changes this week.

Dave Nicoski ...
  • Ross LaDuke

Vermilion Int'l Compass: Global Equity Strategy

EU and UK Financials remain actionable Our outlook on global equities (both the MSCI ACWI and ACWI ex-US) remains positive and we continue to expect higher equity prices going forward. Below we highlight several new developments which give us additional confidence in our outlook, including but not limited to continued price and RS improvements for UK/European Financials. • Actionable Sector: Financials. Today's stock recommendations go beyond UK and European Financials, however these regions are the primary focus due to a plethora of attractive setups. In today's report we reiterate our 3/21...

Dave Nicoski ...
  • Ross LaDuke

Vermilion Int'l Compass: Global Equity Strategy

Europe & the UK remain in focus The MSCI ACWI ex-U.S. is breaking topside its nearly 14-month downtrend and above key resistance. The move is being fueled by improvements throughout most of Europe and the UK, along with strength in China over the past 2-3 months. We believe these positive developments are supportive of higher equity prices moving forward. As a result of these and several other observations highlighted below, our outlook on global equities is positive. • Europe & the UK. As has been the case over the last several weeks, a major focus of ours within global equities (ex-U.S.) h...

Research Department

BANCO SABADELL RECOMMENDED PORTFOLIO WEEK 06 TO 13 MARCH 2019 (ANÁLISIS BANCO SABADELL)

BANCO SABADELL RECOMMENDED PORTFOLIO WEEK 06 TO 13 MARCH 2019 (ANÁLISIS BANCO SABADELL)

Research Department

CAMBIO DE CARTERAS BANCO SABADELL SEMANA 06 A 13 MARZO 2019 (ANÁLISIS BANCO SABADELL)

CAMBIO DE CARTERAS BANCO SABADELL SEMANA 06 A 13 MARZO 2019 (ANÁLISIS BANCO SABADELL)

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