Ibercaja closes September with a profit of 271 million, 7.3% more
Ibercaja has obtained a net profit of 271 million in the first nine months of 2025, which represents 7.3% more compared to the same period in 2024. The income statement is driven by greater commercial dynamics, in the heat of the tailwinds of the Spanish economy. The profitability expressed in terms of ROTE advances to 12.8%, two tenths more than in September and almost 300 basis points above the objective established in the 2024-2026 strategic plan ‘Now Ibercaja’.
The business volume stands out, which registers a new historical maximum above 109,000 million, and represents the greatest year-on-year increase in the recent past, 6.4%, according to the information sent to the National Securities Market Commission (CNMV). Within the framework of the advancement of the strategic lines, customer resources increased to 79,493 million (+7.6%) in year-on-year terms and the healthy credit portfolio (ex ATAs) grew to 29,649 million (+3.4%).
The default rate, for its part, is reduced by 24 basis points, and stands at 1.4%, one of the lowest in the Spanish sector, with a difference of 152 basis points compared to the system average; while the balance of non-productive assets is reduced by 17.8%. All in all, Ibercaja has one of the most solid balance sheets in Spanish banking and a “strong” financing profile, with a loan-to-deposit ratio of 84.0%.
