Unicaja Banco SA Asset Resilience Ratio
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. See UNI defensive interval ratio to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Unicaja Banco SA (2000–2025)
Asset resilience ratio of Unicaja Banco SA from 2000 to 2025. This chart shows how Unicaja Banco SA's Asset Resilience Ratio has changed over time. Read UNI total debt and obligations for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see how large is Unicaja Banco SA's balance sheet.
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 |
|---|---|---|
|
Societe Generale S.A.
PA:GLE |
Banks - Regional | 11.25% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
WOORI FIN. GRP SP.ADR/3
F:2WGA |
Banks - Regional | 13.88% |
|
Bank of Queensland Ltd
AU:BOQ |
Banks - Regional | 0.21% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Graubuendner Kantonalbank
SW:GRKP |
Banks - Regional | -38.39% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Bank Multiarta Sentosa PT
JK:MASB |
Banks - Regional | 1.29% |
Unicaja Banco SA Asset Resilience Ratio by Year (2000–2025)
Unicaja Banco SA asset resilience ratio by year from 2000 to 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