UNICAJA BANCO SA financials
UNICAJA BANCO SA
Country: ES Reporting currency: EUR Latest annual report: 2024-12-31
LEI:
5493007SJLLCTM6J6M37 ISIN: ES0180907000 Financial statements
(EUR, as reported — unscaled; 168 line items across 2 annual periods)
| Line item | 2024 | 2023 |
|---|---|---|
| Income statement | ||
| Gross profit | €2.04B | €1.78B |
| Administrative expenses | €818.7M | €768.1M |
| Employee benefits expense | €550.3M | €486.8M |
| Depreciation & amortisation | €86.8M | €90.5M |
| Operating profit (EBIT) | €831.5M | €656.6M |
| Profit before tax | €816.3M | €370.6M |
| Income tax expense | €243.0M | €104.0M |
| Profit for the year | €573.3M | €266.5M |
| — attributable to owners | €573.3M | €266.7M |
| — attributable to NCI | €2.0K | €171.0K |
| Total comprehensive income | €467.5M | €393.9M |
| Per share | ||
| Basic EPS | €0.22 | €0.10 |
| Diluted EPS | €0.22 | €0.10 |
| Free cash flow / share | €-0.14 | €1.03 |
| Cash flow statement | ||
| Net cash from operating activities | -€355.5M | €2.83B |
| Income taxes paid | €74.2M | -€320.3M |
| Net cash from investing activities | €234.1M | €375.2M |
| Purchase of PP&E (capex) | €17.8M | €24.9M |
| Purchase of intangibles | €33.2M | €43.8M |
| Net cash from financing activities | -€416.8M | €169.0M |
| Dividends paid | €286.2M | €128.6M |
| Balance sheet | ||
| Total assets | €97.37B | €97.15B |
| Property, plant & equipment | €1.15B | €1.23B |
| Right-of-use assets | €46.9M | €49.6M |
| Intangible assets & goodwill | €88.8M | €84.8M |
| Cash & equivalents | €7.50B | €8.04B |
| Total equity | €6.74B | €6.65B |
| Non-controlling interests | €436.0K | €2.4M |
| Deferred tax liabilities | €343.6M | €373.0M |
| Derived metrics | ||
| Free cash flow | -€373.3M | €2.81B |
| Return on equity | 8.5% | 4.0% |
| Cash conversion ratio | -0.62× | 10.63× |
| Capex coverage | -19.96× | 113.62× |
| Other reported items | ||
| Accumulated Other Comprehensive Income | €15.0M | €120.8M |
| Adjustments For Decrease Increase In Financial Assets Held For Trading | -€236.0M | -€748.3M |
| Adjustments For Depreciation and Amortisation Expense | €86.8M | €90.5M |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | €29.0M | -€409.5M |
| Adjustments For Increase Decrease In Other Operating Payables | €214.8M | €1.01B |
| Adjustments For Sharebased Payments | €0 | €0 |
| Adjustments To Reconcile Profit Loss Other Than Changes In Working Capital | €526.9M | €211.2M |
| Bank Overdrafts Classified As Cash Equivalents | €0 | €0 |
| Cash | €522.2M | €513.3M |
| Changes In Equity | -€373.4M | -€206.9M |
| Comprehensive Income Attributable To Noncontrolling Interests | -€2.0K | -€171.0K |
| Comprehensive Income Attributable To Owners of Parent | €467.5M | €394.1M |
| Current Tax Assets | €83.4M | €171.5M |
| Current Tax Liabilities | €47.8M | €41.0M |
| Debt Securities | €4.10B | €4.24B |
| Deferred Tax Assets | €4.33B | €4.55B |
| Deposits From Banks | €5.55B | €5.77B |
| Deposits From Customers | €75.53B | €73.48B |
| Derivative Financial Assets Held For Hedging | €965.6M | €1.22B |
| Derivative Financial Assets Held For Trading | €49.9M | €51.8M |
| Derivative Financial Liabilities Held For Hedging | €665.5M | €1.15B |
| Derivative Financial Liabilities Held For Trading | €51.5M | €51.0M |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners | €154.2M | — |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | €0.06 | — |
| Dividends Recognised As Distributions To Owners Per Share | €0.11 | €0.05 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | €0 | €0 |
| Equity and Liabilities | €97.37B | €97.15B |
| Equity Reclassified Into Financial Liabilities | €0 | €0 |
| Fair Value of Investments In Equity Instruments Designated As Measured At Fair Value Through Other Comprehensive Income | €365.0M | €346.7M |
| Fee and Commission Expense | €44.6M | €47.6M |
| Fee and Commission Income | €556.6M | €581.0M |
| Finance Lease Receivables | €0 | €0 |
| Financial Assets At Amortised Cost | €76.54B | €77.45B |
| Financial Assets At Fair Value Through Other Comprehensive Income | €3.85B | €1.50B |
| Financial Assets At Fair Value Through Profit Or Loss | €0 | €0 |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €1.05B | €809.4M |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €96.6M | €108.6M |
| Financial Liabilities At Amortised Cost | €87.24B | €86.56B |
| Financial Liabilities At Fair Value Through Profit Or Loss | €0 | €0 |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €433.8M | €462.8M |
| Financial Liabilities Reclassified Into Equity | €0 | €0 |
| Gain Recognised In Bargain Purchase Transaction | €0 | €0 |
| Gains Losses On Cash Flow Hedges Before Tax | €106.8M | €4.9M |
| Gains Losses On Exchange Differences On Translation Before Tax | -€32.0K | €119.0K |
| Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss | €3.0M | €4.9M |
| Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €454.0K | €4.5M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €39.3M | €29.1M |
| Gains Losses On Financial Liabilities At Fair Value Through Profit Or Loss | €0 | €0 |
| Gains Losses On Remeasuring Availableforsale Financial Assets Net of Tax | €0 | €0 |
| General and Administrative Expense | €268.3M | €281.3M |
| Hedging Gains Losses For Hedge of Group of Items With Offsetting Risk Positions | -€2.9M | -€1.9M |
| Impairment Loss On Financial Assets | €110.7M | €146.2M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €21.0M | €76.0M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | -€66.6M | -€50.3M |
| Increase Decrease In Cash and Cash Equivalents Discontinued Operations | -€538.3M | €3.38B |
| Increase Decrease Through Appropriation of Retained Earnings | €0 | €0 |
| Increase Decrease Through Conversion of Convertible Instruments | €0 | €0 |
| Increase Decrease Through Transfers and Other Changes Equity | €42.7M | -€44.8M |
| Inflows of Cash From Investing Activities | €285.9M | €444.3M |
| Insurance Contracts That Are Assets | €0 | €0 |
| Insurance Contracts That Are Liabilities | €425.7M | €441.4M |
| Insurance Service Result | €11.9M | €13.7M |
| Intangible Assets Other Than Goodwill | €69.0M | €58.8M |
| Interest Expense | €1.16B | €992.7M |
| Interest Income For Financial Assets Measured At Amortised Cost | €2.32B | €2.16B |
| Interest Revenue Expense | €1.54B | €1.35B |
| Interest Revenue For Financial Assets Measured At Fair Value Through Other Comprehensive Income | €66.7M | €29.9M |
| Inventories Total | €26.2M | €38.5M |
| Investment Accounted For Using Equity Method | €789.2M | €940.1M |
| Investment Property | €446.6M | €539.2M |
| Investments In Associates Accounted For Using Equity Method | €776.8M | €914.3M |
| Investments In Joint Ventures Accounted For Using Equity Method | €12.4M | €25.8M |
| Issued Capital | €642.9M | €663.7M |
| Liabilities | €90.63B | €90.51B |
| Liabilities Due To Central Banks | €0 | €954.0M |
| Liabilities Included In Disposal Groups Classified As Held For Sale | €0 | €0 |
| Loans and Advances To Banks | €4.89B | €2.29B |
| Loans and Advances To Customers | €47.92B | €50.06B |
| Miscellaneous Other Operating Expense | €193.4M | €325.6M |
| Miscellaneous Other Operating Income | €56.4M | €64.3M |
| Miscellaneous Other Provisions | €656.9M | €657.6M |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €0 | €0 |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale Or As Held For Distribution To Owners | €226.0M | €333.9M |
| Other Adjustments To Reconcile Profit Loss | €440.1M | €120.7M |
| Other Assets | €209.4M | €175.2M |
| Other Cash and Cash Equivalents | €141.7M | €188.3M |
| Other Comprehensive Income | -€105.9M | €127.4M |
| Other Comprehensive Income Before Tax Cash Flow Hedges | €103.5M | €126.0M |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | -€32.0K | €119.0K |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €39.3M | €29.1M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | -€4.1M | €53.0M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€1.9M | -€3.5M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €49.0M | €177.2M |
| Other Equity Interest | €0 | €0 |
| Other Financial Liabilities | €2.06B | €2.12B |
| Other Inflows Outflows of Cash Classified As Financing Activities | -€30.9M | -€481.0M |
| Other Liabilities | €568.5M | €527.0M |
| Other Reserves | €83.2M | €38.2M |
| Outflows of Cash From Investing Activities | €51.8M | €69.1M |
| Payments To Acquire Or Redeem Entitys Shares | €140.1M | €9.1M |
| Proceeds From Disposal of Noncurrent Assets Or Disposal Groups Classified As Held For Sale and Discontinued Operations | €128.7M | €161.6M |
| Proceeds From Issue of Subordinated Liabilities | €300.0M | €0 |
| Proceeds From Sales of Intangible Assets Classified As Investing Activities | €0 | €5.6M |
| Proceeds From Sales of Investments Other Than Investments Accounted For Using Equity Method | €18.4M | €3.5M |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €138.8M | €273.6M |
| Profit Loss From Continuing Operations | €573.3M | €266.5M |
| Profit Loss From Discontinued Operations | €0 | €0 |
| Provisions | €901.3M | €957.1M |
| Purchase of Interests In Investments Accounted For Using Equity Method | €766.0K | €377.0K |
| Purchase of Treasury Shares | €140.1M | €9.1M |
| Reclassification Adjustments On Availableforsale Financial Assets Net of Tax | €0 | €0 |
| Reclassification Adjustments On Cash Flow Hedges Before Tax | €3.3M | -€121.1M |
| Reclassification Adjustments On Exchange Differences On Translation Net of Tax | €0 | €0 |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €0 | €0 |
| Reclassification Adjustments On Hedges of Net Investments In Foreign Operations Net of Tax | €0 | €0 |
| Reduction of Issued Capital | €0 | €0 |
| Reinsurance Contracts Held That Are Assets | €1.7M | €1.9M |
| Reinsurance Contracts Held That Are Liabilities | €0 | €0 |
| Repayments of Subordinated Liabilities | €300.0M | €18.0M |
| Reserve of Cash Flow Hedges | €62.0M | -€10.5M |
| Reserve of Equity Component of Convertible Instruments | €547.4M | €547.4M |
| Reserve of Exchange Differences On Translation | -€43.0K | -€21.0K |
| Reserve of Remeasurements of Defined Benefit Plans | -€5.5M | -€4.1M |
| Retained Earnings | €3.83B | €3.80B |
| Revaluation Surplus | €0 | €0 |
| Revenue From Dividends | €15.6M | €24.6M |
| Revenue From Interest | €2.69B | €2.35B |
| Sale Or Issue of Treasury Shares | €41.1M | €6.5M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss Before Tax | -€52.4M | €124.3M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Before Tax | -€215.5M | -€149.6M |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €87.1M | €91.9M |
| Share Premium | €1.21B | €1.21B |
| Subordinated Liabilities | €603.6M | €571.7M |
| Treasury Shares | €2.7M | €2.8M |
| Undrawn Borrowing Facilities | €5.31B | €4.60B |
Methodology
Every line item above is a fact tagged in UNICAJA BANCO SA's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.