Unoe Bank, S.A.

    Address  28037, Spain, Madrid, Cl Julián Camarillo, 4
Bank Identifiers 
    MFI ID  ES0227
Deposit Guarantee  Yes (up to 100 000 EUR per depositor)
Financial Positions 
    Total Assets (2014)  1 367.28 mln EUR ↑ (+2.87%)
    Total Equity (2014)  186.82 mln EUR ↑ (+5.63%)

Bank Identifiers

Any bank can be identified for different purposes and hence can have several different identifiers.


BIC (Business Identifier Code) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.

Bank BIC Code  UNOE
Country Code  ES (Spain)
Location Code  M1
Branch Code  -

A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).


MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.

MFI ID  ES0227

The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.

Deposit Guarantee

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

All credit institutions operating in Spain are obliged to participate in Spanish deposit guarantee scheme.

In the case of Unoe Bank, S.A. failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:

Eligible Depositors  natural persons, legal entities
Covered Accounts  credit balances on accounts, nominative deposit certificates constituted in the EU
Maximum Protected Amount  100 000 EUR
Paid In Currency  EUR

Further Information: Deposit Guarantee Scheme in Spain

ECB Minimum Reserves Requirements (MRR)

Minimum reserves is the minimum amount of reserves a credit institution is required to hold with a central bank.

Subject to MRR by ECB  Yes
Exempt from MRR by ECB  No

Financial Positions

In 2014 total assets of Unoe Bank, S.A. were 1 367.28 mln EUR. Growth compared to the previous period (2013) was 2.87%. The evolution of the total assets of Unoe Bank, S.A. is shown at Chart 1 below.

Total Assets of Unoe Bank, S.A..
Chart 1. Total Assets of Unoe Bank, S.A..

Recent changes in total assets of Unoe Bank, S.A. and its main components are shown in Table 1.

2013 2014 % Change
Cash and deposits with Central Banks 7.2 8.9 +24.38% ↑
Loans to banks 201.1 260.9 +29.70% ↑
Loans to other clients 1 091.4 1 070.6 -1.91% ↓
Total Assets 1 329.1 1 367.3 +2.87% ↑
Table 1. Recent changes in total assets of Unoe Bank, S.A. (mln EUR).

Recent changes in total liabilities of Unoe Bank, S.A. and its main components are shown in Table 2.

2013 2014 % Change
Bank deposits 380.0 375.3 -1.22% ↓
Deposits from other clients 761.1 785.2 +3.16% ↑
Total Liabilities 1 329.1 1 367.3 +2.87% ↑
Table 2. Recent changes in total liabilities of Unoe Bank, S.A. (mln EUR).

Related Information on Spain

Economy and Banking Sector of Spain

List of Banks in Spain

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