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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Unicaja Banco
Unicaja Banco (UNI) investor relations material
Unicaja Banco Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
9M26 attributable net income rose 8.1% YoY to €543m, supported by higher net interest income, business growth and lower impairment charges.
Business volumes grew 5% YoY; adjusted ROTE was 12.2%, and interim dividends totaled €382m, up 126% YoY.
NPL ratio fell to 1.8%; CET1 was 15.5% at quarter-end.
Financial highlights
9M26 NII rose 3.0% YoY to €1,151m; Q3 NII increased 3.5% QoQ to €395m.
Gross margin rose 3.5% YoY to €1,629m; pre-provision operating margin was €884m, up 2.5%, and operating margin rose 7.2% to €752m.
9M26 net fees grew 1.3% YoY to €397m; Q3 fees were €128m, down 1.4% YoY, as loyalty campaigns weighed on banking fees.
Total provisions fell 20% YoY; quarterly annualized cost of risk was 19 bps.
Operating expenses rose 4.9% to €746m, reflecting strategic-plan investment and workforce costs.
Outlook and guidance
9M26 performance met 2026 guidance: NII growth of 3%, fee growth of 1%, business-volume growth of 5%, cost of risk of 19 bps and net profit growth of 8%.
2026 guidance targets mid-single-digit cost growth, cost of risk of 20–25 bps and mid-single-digit net profit growth.
Customer spreads are expected to rise as loan yields reprice faster than deposit costs; NII is expected to grow over the next 12 months.
Fee guidance remains low-single-digit growth; loyalty programs weigh on banking fees, while wealth, asset-management and insurance fees continue to grow.
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Latest events from Unicaja Banco
- NII-led operating growth and stronger asset quality offset lower net income and contracting loans.UNI
Q4 2023 - Net income up 7.1% to €361M, 95% payout, NPL ratio at 1.8%, and strong lending growth.UNIQ2 2026
- Net income up 1.4% YoY, asset quality and capital strong, mutual funds and lending surged.UNIQ1 2026
- Net profit up 10.3% to EUR 632M, with record dividends, strong lending, and improved asset quality.UNIQ4 2025
- Net profit up 15% year-over-year, CET1 at 15.8%, and interim dividend raised by 10%.UNIQ2 2025
- Net income up 58% to €451M, CET1 fully loaded at 15.4%, NPL ratio down to 2.8%.UNIQ3 2024
- Net income doubled to €294M, ROTE guidance raised, and capital strength maintained.UNIQ2 2024
- Net income up 43% year-over-year, CET1 at 15.4%, and NII guidance above EUR 1.4 billion reaffirmed.UNIQ1 2025
- Net profit up 115% to €573M, 60% payout, and >85% pay-out targeted by 2027.UNIQ4 2024
Next Unicaja Banco earnings date
Q4 20264 Feb, 2027
Unicaja Banco
Next Unicaja Banco earnings date
Q4 20264 Feb, 2027
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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.