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Investor Relations14 Oct 2025
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Unicaja Banco (UNI) investor relations material
Unicaja Banco Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary29 Jul, 2025
Executive summary
Net income reached €338 million in H1 2025, up 15% year-over-year, with an interim dividend of €169 million, 10% higher than 2024.
Net profit reached €158M in 1Q25, up 43% year-over-year, driven by improved business activity and changes in banking tax treatment.
Non-banking fees grew 12.4% year-over-year, mainly from insurance and mutual funds, prompting an upward revision in fee guidance.
Strategic plan execution is underway, driving improved business volume and customer funds, especially mutual funds.
Asset quality improved, with NPAs down 5% quarter-over-quarter and NPLs down 7%.
Financial highlights
Net interest income guidance raised to over €1,450 million for the year, reflecting strong first-half performance.
Net interest income for H1 2025 was €743 million, down 4% year-over-year; gross income rose 5.2% to €1,058 million.
Cost to income ratio stable at 45% despite higher staff and overhead costs due to investments and salary improvements.
Pre-provision profit increased 5.2% to €587 million; consolidated net income up 14.8% to €338 million year-over-year.
Cost of risk remained low at 0.26%; NPL coverage improved to 72.8%.
Outlook and guidance
2025 guidance reiterated: net interest income >€1,400M, flat to low single-digit fee growth, costs up ~5%, cost of risk ~30bps, ROTE ~10% at 12.5% CET1.
Adjusted RoTE guidance raised to nearly 11% for the year.
Business volume (deposits and loans) expected to grow 3% in 2025, above 2024 levels.
Shareholder remuneration forecast subject to business plan execution and risk environment.
Strategic Plan 2025-2027 focuses on diversifying revenues through growth in consumer and corporate lending.
Explain drivers of mutual funds' YoY growth.
Assess impact of tariff uncertainty on GDP.
How does SolucionaT align with strategic goals?
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Next Unicaja Banco earnings date
Q3 202531 Oct, 2025
Next Unicaja Banco earnings date
Q3 202531 Oct, 2025
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Frequently asked questions
Unicaja Banco S.A. operates as a banking institution offering a broad range of financial services, including retail banking, corporate banking, and wealth management. Its services encompass deposits, loans, credit cards, insurance products, and investment advisory solutions. The bank primarily serves individual customers, small and medium-sized enterprises, and corporate clients within Spain. Unicaja Banco S.A. is headquartered in Málaga, Spain, and its shares are listed on the BME.
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