Unicaja Banco SA - Asset Resilience Ratio
Unicaja Banco SA (UNI) has an Asset Resilience Ratio of 1.05% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read debt load of Unicaja Banco SA for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2000–2025)
This chart shows how Unicaja Banco SA's Asset Resilience Ratio has changed over time. See shareholders equity of Unicaja Banco SA for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Unicaja Banco SA's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see UNI company net worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | €0.00 | 0% |
| Short-term Investments | €1.03 Billion | 1.05% |
| Total Liquid Assets | €1.03 Billion | 1.05% |
Asset Resilience Insights
- Limited Liquidity: Unicaja Banco SA maintains only 1.05% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Unicaja Banco SA Industry Peers by Asset Resilience Ratio
Compare Unicaja Banco SA's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Bank of Guiyang Co Ltd
SHG:601997 |
Banks - Regional | -0.78% |
|
VersaBank
TO:VBNK |
Banks - Regional | 1.65% |
|
Bank Agris Tbk
JK:AGRS |
Banks - Regional | 1.98% |
|
RMB Holdings Ltd
JSE:RMH |
Banks - Regional | 20.83% |
|
Bank Tabungan Pensiunan Nasional Syariah PT
JK:BTPS |
Banks - Regional | 44.92% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
Annual Asset Resilience Ratio for Unicaja Banco SA (2000–2025)
The table below shows the annual Asset Resilience Ratio data for Unicaja Banco SA.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 1.05% | €1.03 Billion ≈ $1.21 Billion |
€98.43 Billion ≈ $115.07 Billion |
+0.03pp |
| 2024-12-31 | 1.02% | €995.52 Million ≈ $1.16 Billion |
€97.37 Billion ≈ $113.83 Billion |
-1.34pp |
| 2023-12-31 | 2.36% | €2.29 Billion ≈ $2.68 Billion |
€97.15 Billion ≈ $113.58 Billion |
+2.09pp |
| 2022-12-31 | 0.27% | €268.57 Million ≈ $313.99 Million |
€99.00 Billion ≈ $115.74 Billion |
+0.24pp |
| 2019-12-31 | 0.03% | €19.80 Million ≈ $23.15 Million |
€56.71 Billion ≈ $66.30 Billion |
-0.53pp |
| 2018-12-31 | 0.56% | €322.76 Million ≈ $377.34 Million |
€57.50 Billion ≈ $67.23 Billion |
-3.59pp |
| 2017-12-31 | 4.16% | €2.34 Billion ≈ $2.74 Billion |
€56.33 Billion ≈ $65.86 Billion |
+0.40pp |
| 2016-12-31 | 3.76% | €2.15 Billion ≈ $2.51 Billion |
€57.24 Billion ≈ $66.92 Billion |
+2.39pp |
| 2015-12-31 | 1.37% | €827.28 Million ≈ $967.18 Million |
€60.31 Billion ≈ $70.51 Billion |
-4.48pp |
| 2014-12-31 | 5.86% | €3.98 Billion ≈ $4.65 Billion |
€67.95 Billion ≈ $79.44 Billion |
-21.28pp |
| 2013-12-31 | 27.14% | €11.19 Billion ≈ $13.09 Billion |
€41.24 Billion ≈ $48.22 Billion |
+11.97pp |
| 2012-12-31 | 15.17% | €6.18 Billion ≈ $7.22 Billion |
€40.71 Billion ≈ $47.60 Billion |
+8.80pp |
| 2011-12-31 | 6.37% | €2.43 Billion ≈ $2.84 Billion |
€38.16 Billion ≈ $44.61 Billion |
+6.04pp |
| 2010-12-31 | 0.33% | €113.42 Million ≈ $132.59 Million |
€34.19 Billion ≈ $39.97 Billion |
-3.53pp |
| 2009-12-31 | 3.86% | €1.32 Billion ≈ $1.54 Billion |
€34.18 Billion ≈ $39.97 Billion |
-3.32pp |
| 2006-12-31 | 7.18% | €2.03 Billion ≈ $2.37 Billion |
€28.27 Billion ≈ $33.05 Billion |
+3.16pp |
| 2005-12-31 | 4.02% | €924.74 Million ≈ $1.08 Billion |
€23.01 Billion ≈ $26.91 Billion |
+2.47pp |
| 2004-12-31 | 1.55% | €295.62 Million ≈ $345.61 Million |
€19.05 Billion ≈ $22.28 Billion |
-2.47pp |
| 2003-12-31 | 4.02% | €652.67 Million ≈ $763.04 Million |
€16.23 Billion ≈ $18.98 Billion |
+2.46pp |
| 2002-12-31 | 1.56% | €230.76 Million ≈ $269.79 Million |
€14.78 Billion ≈ $17.28 Billion |
-2.71pp |
| 2001-12-31 | 4.27% | €570.39 Million ≈ $666.85 Million |
€13.36 Billion ≈ $15.62 Billion |
+1.91pp |
| 2000-12-31 | 2.36% | €45.42 Billion ≈ $53.11 Billion |
€1.93 Trillion ≈ $2.25 Trillion |
-- |
About Unicaja Banco SA
Unicaja Banco, S.A. engages in the retail banking business in Spain. The company offers current, savings, young person, and payment accounts; term deposits; debit, business, and credit cards; mortgages; study, eco-mobility, mobility vehicle, reform, and home loans; and home, car, health, accident, funeral, company and agro uni, company health, SME and retail damage, corporate liability, agricultu… Read more