Unicaja Banco Income Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	2,024	2,317	2,160	1,909	988.32	590.57
Interest Income on Investments	393.87	391.87	210.01	-615.58	-116.9	149.08
Total Interest Income	2,418	2,709	2,370	1,293	871.42	739.65
Interest Paid on Deposits	902.11	1,155	992.67	201.6	122	146.53
Net Interest Income	1,516	1,554	1,378	1,092	749.42	593.12
Net Interest Income Growth (YoY)	-2.27%	12.76%	26.21%	45.67%	26.35%	-2.17%
Income From Trading Activities	11.29	10.29	7.66	10.3	12.69	-2.95
Gain (Loss) on Sale of Assets	11.28	11.28	-233.15	16.63	-9.97	3.36
Gain (Loss) on Sale of Investments	2.94	2.94	12.7	26.96	37.54	93.23
Gain (Loss) on Sale of Equity Investments	92.07	87.07	91.95	80.3	40.27	35.38
Other Non-Interest Income	472.03	387.03	288.82	396.45	259.99	189.72
Total Non-Interest Income	589.6	498.6	167.97	530.64	340.51	318.74
Non-Interest Income Growth (YoY)	227.61%	196.84%	-68.35%	55.84%	6.83%	-43.40%
Revenues Before Loan Losses	2,105	2,052	1,546	1,622	1,090	911.86
Provision for Loan Losses	115.53	110.53	146.26	214.55	182.37	241.91
Revenue	1,990	1,942	1,400	1,408	907.56	669.96
Revenue Growth (YoY)	23.62%	38.74%	-0.59%	55.12%	35.47%	-41.84%
Salaries and Employee Benefits	573.35	550.35	486.76	506.13	437.46	366.63
Occupancy Expenses	4	-	-	-	-	-
Amortization of Goodwill & Intangibles	86.85	86.85	90.5	90.4	68.92	49.93
Selling, General & Administrative	241.86	232.86	243.83	228.01	168.23	128.46
Other Non-Interest Expense	186.47	229.47	156.61	169.07	501.45	68.52
Total Non-Interest Expense	1,093	1,100	977.7	993.6	1,176	613.53
EBT Excluding Unusual Items	897.2	842.2	421.8	414.17	-268.49	56.43
Asset Writedown	-19.53	-19.53	-44.46	-24.55	-4.64	2.58
Other Unusual Items	-	-	-	-	1,301	46.87
Pretax Income	871.29	816.29	370.57	382.85	1,021	99.1
Income Tax Expense	245.95	242.95	104.04	105.28	-91.77	21.27
Earnings From Continuing Operations	625.33	573.33	266.53	277.57	1,113	77.83
Minority Interest in Earnings	0	0	0.17	0	0	0.01
Net Income	625.33	573.33	266.7	277.58	1,113	77.83
Preferred Dividends & Other Adjustments	6.85	6.85	6.85	6.85	6.85	6.85
Net Income to Common	618.48	566.48	259.85	270.73	1,106	70.98
Net Income Growth	44.52%	114.97%	-3.92%	-75.06%	1330.28%	-54.82%
Basic Shares Outstanding	2,570	2,612	2,655	2,653	2,034	1,583
Diluted Shares Outstanding	2,570	2,612	2,655	2,653	2,034	1,583
Shares Change (YoY)	-	-1.61%	0.08%	30.46%	28.48%	-1.36%
EPS (Basic)	0.24	0.22	0.10	0.10	0.54	0.04
EPS (Diluted)	0.24	0.22	0.10	0.10	0.54	0.04
EPS Growth	-	121.56%	-4.05%	-81.25%	1113.17%	-56.46%
Dividend Per Share	0.140	0.134	0.050	0.048	0.027	0.010
Dividend Growth	-	168.20%	3.10%	79.13%	170.20%	-
Effective Tax Rate	28.23%	29.76%	28.07%	27.50%	-	21.47%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.