Unicaja Banco SA
MAD:UNI

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Unicaja Banco SA
MAD:UNI
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Price: 1.678 EUR 1.15% Market Closed
Market Cap: 4.3B EUR

Unicaja Banco SA
Investor Relations

Unicaja Banco SA, rooted in the rich financial soil of Spain, operates as a prominent player in the banking landscape, interweaving traditional banking practices with modern financial services. Emerging from a backdrop of regional savings banks, Unicaja Banco has successfully built a resilient framework that caters primarily to individuals, small businesses, and SMEs in Spain. The bank thrives on offering a diversified portfolio of services that includes retail banking, asset management, and insurance products. With its network of branches and ATMs strategically dispersed, Unicaja ensures accessibility and personalized service, thus securing a loyal customer base even amid digital transformation. The bank's evolution reflects a confluence of heritage and adaptation, maintaining its roots while branching into digital offerings to stay relevant in an ever-evolving financial ecosystem.

Earning its keep through a well-orchestrated machine of revenue streams, Unicaja Banco capitalizes on interest income derived from loans and credit facilities, which form the backbone of its financial armory. By adeptly managing interest rate margins and optimizing its balance sheet, the bank efficiently generates profits while carefully navigating credit risk. Additionally, fees and commissions from a vast range of financial products and services bolster its revenue, tapping into areas such as asset management and insurance. Coupled with a prudent risk management framework, Unicaja Banco's profitability hinges on its ability to balance traditional banking income with the increasing demand for innovative financial solutions. This dual focus ensures resilience against market volatilities and positions the bank as a steadfast institution in Spain's banking sector.

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Earnings Calls

2024 Q4
Mar 12, 2025
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Vasta Platform Reports 13% Revenue Growth and Strategic Expansion
2024 Q4
Mar 12, 2025

In fiscal 2024, Vasta Platform achieved net revenue of BRL 1.674 billion, growing 13% year-over-year. Subscription revenue increased 14%, while non-subscription revenue fell 16%. The B2G segment showed robust growth with a 29% revenue rise, reaching BRL 105 million. Adjusted EBITDA rose 13% to BRL 580 million, boasting margins of 30.4%. The company generated BRL 250 million in free cash flow, a 14% boost from the previous year. Looking ahead, Vasta anticipates steady growth and expects sales mix improvements and slight margin enhancements for 2025, targeting adjusted EBITDA margins around 30%.

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Management

Mr. Isidro Rubiales Gil
CEO and Deputy MD to Executive Chairman & Director
No Bio Available
Ms. Natalia Sanchez Romero
Secretary & Director
No Bio Available
Mr. Pablo González Martín
CFO & Managing Director of Finance
No Bio Available
Mr. Severino Jesus Mendez Suarez
Managing Director of Operations & Technology
No Bio Available
Mr. Jaime Hernandez Marcos
Head of Investor Relations
No Bio Available
Mr. Vicente Orti Gisbert
Director of Legal Advice & Deputy Secretary
No Bio Available
Mr. Galo Juan Sastre Corchado
Regulatory Compliance Director
No Bio Available
Mr. José Maria De La Vega Butcher
Managing Director of Human Resources, Talent & Culture
No Bio Available
Mr. José Manuel Domínguez Martínez
Managing Director of General & Technical Secretariat
No Bio Available
Mr. Cedric Blanchetiere
Chief Risk Officer & Director of Global Risk Control
No Bio Available

Contacts

Address
MALAGA
Malaga
Avenida de Andalucia, numeros 10 y 12
Contacts