By Helgi Library - December 12, 2019
VUB Banka's mortgage loans reached EUR 5,342 mil in 2017, up 20.1% compared to the previous year. Slovak banking sector provide...
By Helgi Library - December 12, 2019
VUB Banka's customer loans reached EUR 12,001 mil in 2017, up 11.9% compared to the previous year. Slovak banking sector provid...
By Helgi Library - May 23, 2018
VUB Banka's net interest margin amounted to 2.65% in 2017, down from 3.00% compared to the previous year. Historically, th...
| Profit Statement |
| Balance Sheet |
| Ratios |
| Growth Rates |
Get all company financials in excel:
Get all company financials in excel:
By Helgi Library - May 23, 2018
VUB Banka made a net profit of EUR 175 mil in 2017, up 11.6% compared to the previous year. This implies a return on equity of 11.2%. Historically, the bank’s net profit reached an all time high of EUR 177 mil in 2011 and an all time low of EUR 31.1 mil in ...
By Helgi Library - December 12, 2019
VUB Banka's customer deposits reached EUR 9,939 mil in 2017, up 3.92% compared to the previous year. Slovak banking sector accepted customer deposits of EUR 55.7 bil in 2017, up 5.33% when compared to the last year. VUB Banka accounted for 18.3% of all cu...
By Helgi Library - July 16, 2018
VUB Banka generated total banking revenues of EUR 547 mil in 2017, down 1.50% compared to the previous year. Slovak banking sector banking sector generated total revenues of EUR 2,324 mil in 2017, down 10.6% when compared to the last year. As a ...
By Helgi Library - December 12, 2019
VUB Banka's consumer loans reached EUR 2,333 mil in 2017, up 4.69% compared to the previous year. Slovak banking sector provided consumer loans of EUR 7.45 bil in 2017, up 8.46% when compared to the last year. VUB Banka accounted for 23.4% of all consumer...
By Helgi Library - May 23, 2018
VUB Banka's loans reached EUR 12,234 mil in the 2017, up from EUR 10,934 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 12,234 mil in 2017 and an all time low of EUR 5,714 mil in 2008. In the last decad...
By Helgi Library - May 23, 2018
VUB Banka's capital adequacy ratio reached 18.2% at the end of 2017, up from 17.2% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 18.2% in 2017 and an all time low of 9.32% in 2008. The Tier 1 ratio amounted to ...
By Helgi Library - May 23, 2018
VUB Banka's cost to income ratio reached 48.8% in 2017, down from 49.2% compared to the previous year. Historically, the bank’s costs reached an all time high of 84.1% of income in 2000 and an all time low of 44.9% in 2011. When compared to total assets, b...
By Helgi Library - May 23, 2018
VUB Banka's non-performing loans reached 4.13% of total loans at the end of 2017, down from 4.90% compared to the previous year. Historically, the NPL ratio hit an all time high of 18.5% in 2002 and an all time low of 1.11% in 2007. Provision coverage amoun...
By Helgi Library - September 30, 2018
VUB Banka employed 3,942 persons in 2017, down 3.81% when compared to the previous year. Historically, the bank's workforce hit an all time high of 5,809 persons in 2000 and an all time low of 3,837 in 2007. Average cost reached USD 3,007 per month per employee, ...
By Helgi Library - July 16, 2018
VUB Banka has issued total of 1,190 '000 payment cards at the end of 2017, down 4.59% compared to the previous year. Slovak banking sector banking sector issued total of 5,183 thous. of bank cards in 2017, down 5.69% when compared to the last year...
Všeobecná Úverová Banka (VÚB Banka) is the largest commercial bank in Slovakia with a market share exceeding 20%. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term, subsidized, refinanced investment, and real estate project financing loans, as well as overdrafts, trade finance, and credit guarantees. At the end of 2013, the Bank employed nearly 4,000 persons and offered its products and services through a network of 244 branches and 573 ATMs. The Bank's parent company was Intesa Sanpaolo SpA.
VUB Banka has been growing its revenues and asset by 3.67% and 5.86% a year on average in the last 10 years. Its loans and deposits have grown by 12.0% and 4.98% a year during that time and loans to deposits ratio reached 121% at the end of 2017. The company achieved an average return on equity of 13.2% in the last decade with net profit growing 3.81% a year on average. In terms of operating efficiency, its cost to income ratio reached 48.8% in 2017, compared to 48.7% average in the last decade.
Equity represented 10.9% of total assets or 13.6% of loans at the end of 2017. VUB Banka's non-performing loans were 4.13% of total loans while provisions covered some 73.9% of NPLs at the end of 2017.
Helgi Library 
