Unicaja Banco S.A
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
Unicaja Banco S.A - Asset Resilience Ratio
Unicaja Banco S.A (UNJCF) has an Asset Resilience Ratio of -18.66% as of June 2024. 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
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2015–2023)
This chart shows how Unicaja Banco S.A's Asset Resilience Ratio has changed over time. Compare with other companies' asset resilience ratios.
Liquid Assets Composition Over Time
This chart breaks down Unicaja Banco S.A's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $-17.84 Billion | -18.66% |
| Total Liquid Assets | $-17.84 Billion | -18.66% |
Asset Resilience Insights
- Limited Liquidity: Unicaja Banco S.A maintains only -18.66% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company primarily holds liquidity in cash and equivalents rather than short-term investments.
Unicaja Banco S.A Industry Peers by Asset Resilience Ratio
Compare Unicaja Banco S.A's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Ping An Bank Co Ltd
SHE:000001 |
Banks - Regional | -6.06% |
|
Bank of Ningbo Co Ltd
SHE:002142 |
Banks - Regional | 6.40% |
|
Qingdao Rural Commercial Bank Corp Class A
SHE:002958 |
Banks - Regional | -13.48% |
|
Bank of Suzhou
SHE:002966 |
Banks - Regional | -8.31% |
|
Jeju Bank
KO:006220 |
Banks - Regional | 2.45% |
|
Industrial Bank Of Korea
KO:024110 |
Banks - Regional | 4.07% |
|
Hana Financial
KO:086790 |
Banks - Regional | 3.29% |
|
PT Bank Sinarmas Tbk
F:08S |
Banks - Regional | 3.70% |
Annual Asset Resilience Ratio for Unicaja Banco S.A (2015–2023)
The table below shows the annual Asset Resilience Ratio data for Unicaja Banco S.A.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2023-12-31 | 2.36% | $2.29 Billion | $97.15 Billion | +2.09pp |
| 2022-12-31 | 0.27% | $268.57 Million | $99.00 Billion | +39.50pp |
| 2021-12-31 | -39.23% | $-45.33 Billion | $115.55 Billion | -17.02pp |
| 2020-12-31 | -22.21% | $-14.55 Billion | $65.54 Billion | -26.75pp |
| 2018-12-31 | 4.55% | $2.62 Billion | $57.50 Billion | +0.39pp |
| 2017-12-31 | 4.16% | $2.34 Billion | $56.33 Billion | +0.05pp |
| 2016-12-31 | 4.11% | $2.35 Billion | $57.24 Billion | +2.74pp |
| 2015-12-31 | 1.37% | $827.28 Million | $60.31 Billion | -- |