Ibercaja has closed the first semester of 2025 with a net profit of 181 million euros, representing an increase of 18.8% compared to the same period last year. This figure consolidates a positive trend driven by strong commercial dynamism, the resilience of its revenues, and a notable improvement in solvency. Additionally, the entity’s business volume reaches a historic high of 108.126 billion euros, up 6.2% year-on-year.
Strengthening the Business Across All Segments
During the first six months of the year, Ibercaja has raised its customer resources to 78.002 billion euros (+7.0%) and increased healthy loans to 30.125 billion euros (+3.9%). This growth has been bolstered by a favorable macroeconomic environment and the effective implementation of the Strategic Plan “Now Ibercaja” (2024-2026).
Particular emphasis has been placed on housing financing, with a 50% increase in new formalizations, especially in Madrid (+75%) and the Mediterranean Arc (+59.5%). Consumer credit (+26.9%) and financing for real estate companies (+44.6%) also show significant growth.
The boost in commercial activity has also translated into resource gathering: Ibercaja has attracted 1.578 billion euros in net subscriptions to investment funds during the semester, doubling the figures from the same period last year and achieving a market share of 6.54%.
Improvement in Profitability, Efficiency, and Solvency
Return on equity (ROTE) stands at 12.9%, 138 basis points above the first semester of 2024. This improvement is explained by the strong performance of the interest margin and the control of risk costs, which are at 21 basis points.
Furthermore, Ibercaja has reduced its problematic exposure by 15%, bringing the non-performing loan ratio down to 1.4%, one of the lowest in the Spanish financial system. The coverage ratio of doubtful accounts reaches 93.9%, and the fully loaded CET1 rises to 14%, at the upper end of the target set by the Bank.
In the bank’s words, “the combination of commercial strength and financial prudence allows us to consolidate a solid and sustainable model over time.”
Social Commitment and Sustainability
During the semester, Ibercaja has intensified its sustainability strategy. It has published its impact report for the green bond issued in 2024 (500 million euros), which has allowed for the avoidance of 48,980 tons of CO₂. Additionally, through the “Your Money with Heart” program, the entity has allocated 1.1 million euros to social and environmental projects.
It has also reinforced its brand positioning with the campaign “You Move Us,” centered on people as the driving force of its activities, and has been recognized with the Top Employers 2025 seal for its talent management policies.
Ibercaja closes the first semester of 2025 with a solid balance sheet, a robust strategic position, and favorable prospects for the remainder of the year. The implementation of the “Now Ibercaja” Plan continues to guide the entity’s growth, focusing on digitalization, responsible business, and sustained profitability.
