Strategy and Outlook - Sabadell aims for a Return on Tangible Equity (RoTE) of 16% by 2027[8, 97] - The bank anticipates a mid-single-digit Compound Annual Growth Rate (CAGR) for fees and commissions between 2024 and 2027[41, 51, 106, 147] - Sabadell projects a cost of risk (CoR) of approximately 40bps in 2027[41, 97, 117, 118, 119, 147] - The institution expects mid-single-digit growth in its loan book between 2024 and 2027[41, 94] Financial Performance and Capital Allocation - Sabadell plans to distribute a total of €6.3 billion to shareholders between 2025 and 2027 through dividends and share buybacks[83, 133, 138, 148, 152] - The bank's Common Equity Tier 1 (CET1) ratio target is 13% fully loaded[82, 83, 134, 147] - The company expects cash dividend per share in 2025, 2026 and 2027 to be higher than 2024[83, 139] Growth and Transformation Initiatives - The institution anticipates credit market share in Spain to grow 25-30bps from the current 80%[45] - Sabadell has observed a 46% to 59% of new lending with PD<1% in Dec'24[26] - The bank's digital customer acquisition is expected to increase by over 15% cumulatively between 2025 and 2027[54]

Core Insights - Towpath Credit Union has successfully completed a comprehensive digital transformation using Alkami's Digital Banking Platform, enhancing member experience and operational efficiency [1][4] - The credit union's product adoption increased from 1.7 to 2.45 products per member, with a year-over-year revenue growth of 15% [4] - Towpath is utilizing Alkami's Data & Marketing Solution to improve member engagement through targeted campaigns, resulting in over 800 members switching to e-documents and generating approximately $2.6 million in auto loan business [2][4] Company Overview - Alkami Technology, Inc. is a leading provider of cloud-based digital banking solutions for financial institutions in the U.S., focusing on enabling clients to grow and adapt quickly [6] - Towpath Credit Union serves over 26,000 members, offering a full range of financial services and emphasizing community-focused financial opportunities [7] Strategic Initiatives - Towpath's leadership aimed to eliminate digital limitations and provide a seamless experience that competes with larger financial providers while maintaining personal service [3][4] - The credit union's enhanced digital tools include integrated card controls, credit score monitoring, transaction enrichment, and account aggregation, fostering deeper member relationships [4][5]