Unicaja Banco, S.A.

Unicaja Banco, S.A. is a Spanish retail and commercial bank headquartered in Málaga. The group operates mainly in Spain, with a dense presence in Andalusia and notable franchises in Asturias, Cantabria, Castilla-La Mancha, Castilla y León, Extremadura and Madrid, expanded through its 2021 merger with Liberbank. It is listed on the Spanish stock exchanges (BME: UNI) and falls under direct European Central Bank supervision within the Single Supervisory Mechanism, complying with EU prudential and resolution requirements. The bank provides current and savings accounts, cards and payments, mortgages and consumer finance, SME and corporate services such as working-capital facilities, guarantees and trade finance, and distributes insurance and pension products via bancassurance and asset management units. Distribution combines a regional branch network with online and mobile channels; following the merger, the group has been integrating operations and adjusting overlapping branches and systems. Ownership includes a significant shareholding by Fundación Bancaria Unicaja alongside a free float. Risk is largely domestic, with concentrations in residential mortgages and lending to households and small businesses; earnings are sensitive to interest-rate movements and credit costs, and the bank is subject to Spain’s sector-specific levies and consumer-protection rules. Eligible deposits are covered by the Spanish Deposit Guarantee Fund up to €100,000 per depositor per institution. Investor materials, including quarterly results, capital metrics and Pillar 3 disclosures, are available through the bank’s website and Spanish securities market channels.