During the past financial year, Unicaja strengthened its support for businesses, SMEs and the self-employed by granting over €6,000 million in financing, representing a 46% increase compared to 2024, as detailed in its 2025 Socio-Economic Impact Report.
The report also highlights that Unicaja’s total business financing portfolio exceeded €10,300 million at the close of the 2025 financial year, underpinned by a specialised service model that combines proximity, customer knowledge and financial solutions tailored to the different stages of business development.
Of this total volume, more than €3,400 million was directed towards SMEs and the self-employed, consolidating the bank’s role as a provider of funding of the real economy and business growth.
This growth has been underpinned, among other factors, by personalised service for both SMEs and large firms, with account managers and business managers respectively; the expansion of transactional banking capabilities; and the channelling of funding through ICO lines, agreements with mutual guarantee societies (SGRs) and other public support instruments.
Similarly, Unicaja also offers SMEs and the self-employed a comprehensive range of non-financial services through ‘solucionaT’, a section on its business website that brings together a broad ecosystem of strategic partnerships with leading firms in the market.
Economic impact of business support
This boost to business financing has a direct impact on the economy as a whole. According to the 2025 Socio-Economic Impact Report, Unicaja’s activity generated a contribution of over €2,300 billion to Spanish GDP in 2025 (0.14% of the total), contributed €648 million in taxes (both its own and those collected from third parties), and helped sustain more than 19,900 direct, indirect and induced jobs.
For every euro distributed in dividends to its shareholders, Unicaja contributed 0.85 euros in taxes and social security contributions, demonstrating a balance between financial profitability and a commitment to the social and economic environment.
These figures show that the bank’s financial support for businesses, SMEs and the self-employed goes beyond banking activities and translates into economic growth, employment and public resources in the regions where it operates, reinforcing its role as a financier of the real economy.
Proximity banking
Overall, this balance sheet reflects Unicaja’s contribution to the growth of the business sector and the maintenance of employment in 2025, in line with its commitment to community banking and its dedication to the economic and social development of the regions.
With businesses, SMEs and entrepreneurs at the heart of its activity and within the framework of its 2025–2027 Strategic Plan, Unicaja is strengthening its support for productive activity, facilitating access to finance and supporting businesses in their development processes, aware that these professionals are a key driver of economic growth and job creation.
2025 Socio-Economic Impact Report
Unicaja is dedicated to service and committed to the development of the communities in which it operates. Indeed, it recognises that its activities have not only economic value, but also social value.
Specifically, the 2025 Socio-Economic Impact Report, ‘Our Contribution to Society’, quantifies Unicaja’s actual influence on the Spanish economy through various economic and social indicators, as well as through its commitment to sustainability, financial inclusion and financial education. This document therefore demonstrates how a financial institution can act as a driver of transformation, a generator of opportunities and an ally of social progress.
