Unicaja Banco SA - Asset Resilience Ratio

Latest as of December 2025: 1.05%

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.

Liquid Assets

€1.03 Billion

≈ $1.21 Billion USD Cash + Short-term Investments

Total Assets

€98.43 Billion

≈ $115.07 Billion USD All company assets

Resilience Assessment

Low

Financial Resilience Level

Asset Resilience Ratio Trend (2000–2025)

This chart shows how Unicaja Banco SA's Asset Resilience Ratio has changed over time. Check Unicaja Banco SA strategic asset allocation index to assess the company's strategic physical and investment asset allocation.

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 Unicaja Banco SA market cap and 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
Deutsche Bank Aktiengesellschaft F:DBK	Banks - Regional	3.17%
Regions Financial Corporation NYSE:RF	Banks - Regional	17.06%
Bank of Hangzhou Co Ltd SHG:600926	Banks - Regional	7.20%
Banco Santander Chile SN:BSANTANDER	Banks - Regional	6.33%
Grupo Financiero Inbursa S.A.B. de C.V MX:GFINBURO	Banks - Regional	2.07%
Synovus Financial Corp NYSE:SNV	Banks - Regional	4.05%
Bank of Queensland Ltd AU:BOQ	Banks - Regional	0.21%
Regional S.A.B. de C.V MX:RA	Banks - Regional	0.00%

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	--

pp = percentage points

About Unicaja Banco SA

MC:UNI Spain Banks - Regional

Market Cap

$9.99 Billion

€8.54 Billion EUR

Market Cap Rank

#2943 Global

#26 in Spain

Share Price

€3.33

Change (1 day)

+2.21%

52-Week Range

€2.25 - €3.37

All Time High

€3.37