Banco Sabadell's chairman has raised concerns that banking mergers could harm consumers by creating oligopolies. Sabadell is reportedly interested in acquiring Unicaja following fair value adjustments in Unicaja's bond book, which decreased to €600 million. However, Spanish law requires Sabadell to wait until BBVA's offer concludes. Meanwhile, BBVA has adjusted its offer for Sabadell, resulting in an additional 8 basis points impact on its capital ratio.