Overview
- Unicaja reported a net attributable profit of €361 million for the first half of 2026, a 7.1% increase year‑on‑year driven by recurring revenues.
- Total revenues rose to €1,085 million with net interest income at €755 million and net fees at €269 million, reflecting modest broad‑based growth.
- New mortgage production jumped 39.5% to €2,093 million while lending expanded across corporate, mortgage and consumer books.
- Asset quality improved as non‑performing loans fell to €935 million, the NPL ratio dropped to 1.8%, and provisioning and impairment charges declined.
- Capital remained solid with CET1 fully loaded at 15.7% and total capital at 19.4%, and the bank cut 59 branches while slightly increasing staff as it manages higher deposit costs through active balance‑sheet policies.