Tot i que tanca, l'entitat bancària enviarà l'extracte bancari.

Tot i que means although, even though, or though.

It is best learned as a fixed expression. Even if the individual words have meanings of their own, learners should usually treat tot i que as one conjunction introducing a contrast:

• Tot i que plou, sortirem. = Although it’s raining, we’ll go out.
• Tot i que tanca, ... = Although it closes / is closing, ...

Tanca is the 3rd person singular present indicative of tancar.

In Catalan, the present tense can often be used for:

• a general fact
• something scheduled
• something happening around now

So tot i que tanca can mean something like:

• although it closes
• although it is closing
• although it’s closing down

The exact English translation depends on context.

Catalan often drops subject pronouns when the verb ending already shows the person.

So instead of saying ell/ella tanca, Catalan normally just says tanca if the subject is understood from context.

Here, the hidden subject could be something like:

• the bank
• the branch
• the institution
• the office

Catalan does this much more naturally than English.

The sentence does not state the subject explicitly, so it has to be understood from context.

Grammatically, tanca means he/she/it closes. In this sentence, it most likely refers to:

• the bank
• the branch
• the institution
• the office

If you wanted to make it explicit, you could say something like:

• Tot i que l'oficina tanca, l'entitat bancària enviarà l'extracte bancari.

Because tot i que tanca is an introductory subordinate clause.

Catalan normally separates this kind of opening clause from the main clause with a comma:

• Tot i que tanca, l'entitat bancària enviarà l'extracte bancari.

This works much like English:

• Although it is closing, the bank will send the statement.

Because Catalan articles are often elided before a vowel.

So:

• la entitat becomes l'entitat
• el extracte becomes l'extracte

This is very common in Catalan. The singular definite articles el and la often become l' before a word beginning with a vowel or silent h.

Because adjectives in Catalan must agree in gender and number with the noun they describe.

• entitat is feminine singular, so: bancària
• extracte is masculine singular, so: bancari

So:

• l'entitat bancària = the banking/financial institution
• l'extracte bancari = the bank statement

This kind of adjective agreement is much more visible in Catalan than in English.

Entitat bancària is more formal and more institutional than banc.

• banc = bank
• entitat bancària = banking institution / financial institution

In everyday speech, people often just say banc.
In official, administrative, legal, or financial language, entitat bancària is very common.

Extracte bancari means bank statement.

The noun extracte can mean an extract, summary, or statement, depending on context.
When combined with bancari, it specifically means the statement from a bank account.

So this is a standard financial expression.

Enviarà is the 3rd person singular future of enviar.

Catalan future tense is usually formed by adding endings directly to the infinitive:

• enviaré = I will send
• enviaràs = you will send
• enviarà = he/she/it will send
• enviarem = we will send
• enviareu = you all will send
• enviaran = they will send

So l'entitat bancària enviarà means the financial institution will send.

Here it takes the indicative because the speaker is presenting the closing as a real or accepted fact.

So:

• Tot i que tanca... = Although it is closing... / Although it closes...

With expressions like tot i que or encara que, Catalan can sometimes use the subjunctive when the idea is more hypothetical, uncertain, or not presented as a fact.

So the choice of mood helps show whether the speaker sees the situation as real or hypothetical.

Yes, often you could.

• tot i que = although / even though
• encara que = although / even if

In many contexts they overlap, but encara que can more easily introduce a hypothetical idea, especially with the subjunctive.

For this sentence, Tot i que tanca... sounds very natural and clearly concessive.

The accents show where the stress falls.

• bancària is stressed on -cà-
• enviarà is stressed on the final -rà

This is important in Catalan pronunciation, and in some cases accents also help distinguish forms.
So the accent in enviarà helps mark it clearly as a future form pronounced with final stress.

The word order is not completely fixed.

You can put the concessive clause first, as in the original sentence:

• Tot i que tanca, l'entitat bancària enviarà l'extracte bancari.

This is very natural.

You could also place it after the main clause:

• L'entitat bancària enviarà l'extracte bancari tot i que tanca.

That is grammatically possible, but the original version sounds more balanced and is often clearer, especially in formal writing.