Spain · Credit institution
Unicaja Banco, S.A.
Legal name in the LEI recordUNICAJA BANCO SA
Unicaja Banco, S.A. is a Spanish public limited company with its registered office in Málaga. It was established on 1 December 2011, when the savings bank Unicaja transferred its financial business to it. Fundación Bancaria Unicaja is its main shareholder with 31.22%, and its shares have been listed on the Spanish stock exchanges since 30 June 2017. The bank provides retail, SME and corporate banking in Spain. It absorbed EspañaDuero in September 2018 and Liberbank in July 2021.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see Regulatory status): that is banking supervision, not a licence on a tracked register.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
ECB banking supervision
List of supervised entities as of 2026-07-01
- Classification
- Significant institution
- Supervisor
- European Central Bank (direct supervision)
- Listed as
- Unicaja Banco, S.A.
- Entity type
- Credit institution
- Supervisory group
- Heads its own group
- Why significant
- Size (Total assets EUR 75-100 bn)
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- Unicaja Banco, S.A.
- RIAD code
- ES2103
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Comisión Nacional del Mercado de Valores (CNMV) | 2011-12-05 | A1 A2 A3 A4 A5 A6 A7 A8 A9 B1 B2 B3 B4 B5 B6 B7 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- UCJAES2MXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under UCJAES2M directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · SDD B2B · OCT Inst · VOP · T2 · TIPS
- Branch codes
- 2 branch codes
- BIC first registered
- 2006-12-02
- Last updated
- 2022-08-06
Overview
Researched 29 Sep 2026 · Sources
Ownership
Publicly listed
Ticker UNI
Institution type
Commercial bank
Trades as Unicaja
- Ownership
- Fundación Bancaria Unicaja is the reference shareholder with 31.22%, and it has not held a controlling stake since the Liberbank merger in 2021.
- Major shareholders
- Fundación Bancaria Unicaja 31.22% · 31 Dec 2025
Santalucía 10% · 31 Dec 2025
Tomás Olivo 9.39% · 31 Dec 2025
Indumenta Pueri 8.85% · 31 Dec 2025
Fundación Bancaria Caja de Ahorros de Asturias 6.89% · 31 Dec 2025 - Stock listing
- Bolsa de Madrid (also Barcelona, Bilbao and Valencia via SIBE) UNI
- Head office
- Avenida de Andalucía, 10-12, 29007 Málaga, Spain
- Company register
- Registro Mercantil de Málaga, Tomo 4952, Libro 3859, Sección 8ª, Hoja MA-111580 (CIF A-93139053); Banco de España code 2103
Business lines
According to its 2025 annual banking report, nearly all group activity takes place in Spain, and commercial banking is the main activity. Income from investment funds and insurance made up 19% of gross income in the first half of 2026.
Online
- Websites & references
- unicajabanco.com ↗
unicajabanco.es ↗ customer (retail and business banking) site
Wikipedia ↗
Wikidata Q20908850 ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 14 pages consulted
- unicajabanco.com/en/gobierno-corporativo-y-politica-de-remuneraciones/gobierno-corporativo-y-politica-de-r
- unicajabanco.com/content/dam/unicaja/unicaja-corporacion/documentos-corporacion/junta-general-de-accionist
- unicajabanco.com/content/dam/unicaja/unicaja-corporacion/documentos-corporacion/noticias/20260731-tablas-N
- unicajabanco.com/en/sala-de-comunicacion/buscador-noticias/2026/07/unicaja-gana-361-millones-de-euros-en-e
- unicajabanco.com/content/dam/unicaja/unicaja-corporacion/documentos-corporacion/inversores-y-accionistas/i
- unicajabanco.com/en/institucional
- unicajabanco.com/content/dam/unicaja/unicaja-corporacion/documentos-corporacion/estatutos-y-estructura-org
- unicajabanco.es
- fundacionunicaja.com/wp-content/uploads/2026/06/CuentasAnuales2025.pdf
- cnmv.es/Portal/Consultas/derechosvoto/ps_ac_ini.aspx?nif=A93139053
- unicajabanco.com/en/sala-de-comunicacion/buscador-noticias/2023/07/el-consejo-de-administracion-de-unicaja
- merca2.es/2026/06/16/cnmc-expediente-bancos-hipotecas-2398909/
- clm24.es/articulo/economia/unicaja-gana-361-millones-junio-71-mas-que-2025/20260731114955480487.ht
- es.finance.yahoo.com/noticias/blackrock-desvela-participaci%C3%B3n-3-unicaja-142000957.html
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Isidro Rubiales Gil Chief Executive Officer (Consejero Delegado)
- Chair
-
José Sevilla Álvarez
Independent Non-Executive Chairman
- Chief financial officer
- Pablo González Martín Director General de Finanzas (CFO)
- Executive
- Cédric Blanchetière General Director of Risk Control and Relations with Supervisors (Chief Risk Officer)
- Executive
- Miguel González Moreno Vice-Chairman (proprietary director)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank (Single Supervisory Mechanism) Prudential supervisor
- Spain
- Banco de España Central bankPrudential supervisorConduct
- Spain
- Executive Service of the Commission for the Prevention of Money Laundering and Monetary Offences (SEPBLAC) AML supervisor
- Spain
- Comisión Nacional del Mercado de Valores (CNMV) SecuritiesConduct
- European Union
- Single Resolution Board Resolution
- Spain
- Fondo de Reestructuración Ordenada Bancaria (FROB) Resolution
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Investigation
The CNMC opened sanction proceedings S/0009/26 against Unicaja and five other banks over possible anticompetitive conduct in fixed-rate mortgages.
merca2.es ↗ -
Leadership
The general meeting appointed María Nieves García Santos and María Isabel Martínez Torre-Enciso as proprietary directors proposed by Fundación Bancaria Unicaja.
unicajabanco.com ↗ -
Leadership
The general meeting ratified José Sevilla Álvarez as a director, and he was named independent chairman of the board.
unicajabanco.com ↗ -
Leadership
Isidro Rubiales Gil was ratified as a director and named chief executive officer, succeeding Manuel Menéndez.
unicajabanco.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- UCJAES2MXXX
- How the BIC breaks down
- UCJABank
- ESCountry · Spain
- 2MLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 5493007SJLLCTM6J6M37
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- Código de entidad (NRBE) 2103
Profile
- Type
- Credit institutionListed as a credit institution, or a branch of one, on the ECB’s list of supervised entities, or named as a bank on the Financial Stability Board’s G-SIB list, directly or as a G-SIB’s main operating bank. These are the only bank lists the directory tracks so far.
- Regulation
- Prudentially supervised (ECB list)Prudentially supervised, according to the ECB list of supervised entities (as at 2026-07-01). This is banking supervision, not a licence on a tracked register.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Spain · Europe & Central Asia
- Banking supervision
- Significant · supervised by the ECB as of 2026-07-01
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 2011
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
The Unicaja Banco SA group has 3 institutions in the directory, in 1 country: all hold a BIC.
Including Morabanc SA, Unicorp Patrimonio, Sociedad de Valores, S.A..
See the Unicaja Banco SA group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- AVENIDA DE ANDALUCIA 10-12 MALAGA 29007 SPAIN
- Operational address
- AVENIDA DE ANDALUCIA 10-12 MALAGA 29007 MALAGA SPAIN
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>UCJAES2MXXX</BICFI>
<LEI>5493007SJLLCTM6J6M37</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>UCJAES2MXXX</BICFI>
<LEI>5493007SJLLCTM6J6M37</LEI>
<Nm>UNICAJA BANCO, S.A.</Nm>
<PstlAdr>
<TwnNm>MALAGA</TwnNm>
<Ctry>ES</Ctry>
<AdrLine>AVENIDA DE ANDALUCIA 10-12 MALAGA 29007</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2011-12-15 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2017-11-21 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2011-12-15 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2011-12-15 | Head office | — |
| One-Leg Out Instant Credit TransferISO 20022 messages for the euro leg | 2024-07-01 | Head office | — |
| Verification of Payee | 2025-09-30 | Head office | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
National bank codes
Código de entidad (NRBE) · Spain
1 code file of 2026-10-08
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 2103 | UCJAES2MXXX | UNICAJA BANCO, S.A. | MALAGA |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Branch network
All 2 branch BICs connect to the head office. They are all in Madrid, and no function or registration year splits them further.
Hover over a branch or group to see its details
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| UCJAES2MFIN | FINANCIAL DEPARTMENT | Madrid | MADRID MADRID SPAIN | — | 2022-08-06 |
| UCJAES2MGAR | CTA GARANTIA | Madrid | MADRID MADRID SPAIN | — | 2022-08-06 |
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties.
- Banking supervision—Source: European Central Bank, list of supervised entities.
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- National bank codes—Spain (Source: Banco de España).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: unicajabanco.com (official website); José Sevilla Álvarez: unicajabanco.com (official website) · original.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
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