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UniCredit Bank Czecho-Slovakia

UniCredit Bank Czecho-Slovakia - Market Share in Bank Deposits

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia's customer deposits reached CZK 749,899 mil in 2023-03-31, up 51.7% compared to the previous year. ...

UCI CR's net profit rose 27.0% yoy to CZK 2,761 mil in 2Q2023

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia made a net profit of CZK 2,761 mil in the second quarter of 2023, up 27% when compared to the same...

UCI CR's net profit rose 27.0% yoy to CZK 2,761 mil in 2Q2023

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia made a net profit of CZK 2,761 mil under revenues of CZK 5,264 mil in the second quarter of 2023, up 2...

Annual Quarterly
Profit Statement 2020 2021 2022
Net Interest Income CZK mil 12,091 12,981 14,584
Net Fee Income CZK mil 3,541 3,595 3,802
Other Income CZK mil 2,446 2,537 2,376
Total Revenues CZK mil 18,078 19,113 20,762
Staff Cost CZK mil 3,662 3,762 3,928
Operating Profit CZK mil 9,437 10,085 11,546
Provisions CZK mil 3,528 2,003 1,538
Net Profit CZK mil 5,317 6,981 9,128
Balance Sheet 2020 2021 2022
Interbank Loans CZK mil 133,820 121,843 108,389
Customer Loans CZK mil 461,476 483,349 537,080
Investments CZK mil 47,985 56,992 81,554
Total Assets CZK mil 664,352 693,464 766,412
Shareholders' Equity CZK mil 85,592 81,881 81,422
Interbank Borrowing CZK mil 105,519 56,874 56,910
Customer Deposits CZK mil 425,147 470,158 503,374
Issued Debt Securities CZK mil 27,285 59,001 87,137
Ratios 2020 2021 2022
ROE % 6.48 8.34 11.2
ROA % 0.787 1.03 1.25
Costs (As % Of Assets) % 1.28 1.33 1.26
Costs (As % Of Income) % 47.8 47.2 44.4
Capital Adequacy Ratio % 23.4 21.9 23.1
Net Interest Margin % 1.79 1.91 2.00
Loans (As % Of Deposits) % 109 103 107
NPLs (As % Of Loans) % 3.29 2.50 1.87
Provisions (As % Of NPLs) % 70.6 89.6 110
Growth Rates 2020 2021 2022
Total Revenue Growth % -14.3 5.73 8.63
Operating Cost Growth % 1.89 4.48 2.08
Operating Profit Growth % -25.1 6.87 14.5
Net Profit Growth % -47.5 31.3 30.8
Customer Loan Growth % 4.70 4.74 11.1
Total Asset Growth % -3.24 4.38 10.5
Customer Deposit Growth % 2.46 10.6 7.06
Shareholders' Equity Growth % 8.88 -4.34 -0.561
Employees 3,347 3,242 3,185

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summary Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                  
Net Interest Income CZK mil                     10,145 11,218 14,231 14,578 12,091    
Total Revenues CZK mil                     17,877 18,621 20,934 21,086 18,078    
Operating Profit CZK mil                     9,212 9,820 12,237 12,605 9,437    
Net Profit CZK mil                     6,045 7,626 8,957 10,122 5,317    
balance sheet                                  
Interbank Loans CZK mil                     139,900 210,188 200,065 185,975 133,820    
Customer Loans CZK mil                     385,572 386,672 412,036 440,760 461,476    
Investments CZK mil                     89,405 55,637 44,844 42,564 47,985    
Total Assets CZK mil                     635,042 672,078 671,615 686,593 664,352    
                                     
Shareholders' Equity CZK mil                     66,891 71,496 75,739 78,613 85,592    
Interbank Borrowing CZK mil                     115,524 174,274 172,151 141,092 105,519    
Customer Deposits CZK mil                     371,163 360,473 374,745 414,953 425,147    
Issued Debt Securities CZK mil                     70,093 53,075 37,819 32,119 27,285    
ratios                                  
ROE % ...                   9.42 11.0 12.2 13.1 6.48    
ROA % ...                   1.00 1.17 1.33 1.49 0.787    
Costs (As % Of Assets) % ...                   1.44 1.35 1.29 1.25 1.28    
Costs (As % Of Income) %                     48.5 47.3 41.5 40.2 47.8    
Capital Adequacy Ratio % ...                   15.5 19.4 19.9 19.8 23.4    
Net Interest Margin % ...                   1.68 1.72 2.12 2.15 1.79    
Interest Income (As % Of Revenues) %                     56.7 60.2 68.0 69.1 66.9    
Fee Income (As % Of Revenues) %                     21.4 18.6 18.6 19.0 19.6    
Staff Cost (As % Of Total Cost) %                     39.1 38.8 40.4 43.5 42.4    
Equity (As % Of Assets) %                     10.5 10.6 11.3 11.4 12.9    
Loans (As % Of Deposits) %                     104 107 110 106 109    
Loans (As % Assets) %                     60.7 57.5 61.4 64.2 69.5    
NPLs (As % Of Loans) %                     4.13 3.42 2.67 2.31 3.29    
Provisions (As % Of NPLs) % ...                   74.7 78.1 90.0 93.1 70.6    
income statement Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
income statement                                  
Interest Income CZK mil                     11,832 12,327 15,435 18,597 14,493    
Interest Cost CZK mil                     1,687 1,109 1,204 4,019 2,402    
Net Interest Income CZK mil                     10,145 11,218 14,231 14,578 12,091    
Net Fee Income CZK mil                     3,823 3,465 3,892 4,002 3,541    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 5,387 4,858    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 1,385 1,317    
Other Income CZK mil                     3,909 3,938 2,811 2,506 2,446    
Total Revenues CZK mil                     17,877 18,621 20,934 21,086 18,078    
Staff Cost CZK mil                     3,390 3,414 3,512 3,687 3,662    
Depreciation CZK mil                     811 1,049 1,210 1,532 1,549    
Other Cost CZK mil                     4,464 4,338 3,975 3,262 3,430    
Operating Cost CZK mil                     8,665 8,801 8,697 8,481 8,641    
Operating Profit CZK mil                     9,212 9,820 12,237 12,605 9,437    
Provisions CZK mil                     1,499 620 1,159 967 3,528    
Extra and Other Cost CZK mil                     0 -89.0 45.0 -967 -799    
Pre-Tax Profit CZK mil                     7,713 9,289 11,033 12,605 6,708    
Tax CZK mil                     1,668 1,663 2,076 2,483 1,391    
Minorities CZK mil                     0 0 0 0 0    
Net Profit CZK mil                     6,045 7,626 8,957 10,122 5,317    
Net Profit Avail. to Common CZK mil                     6,045 7,626 8,957 10,122 5,317    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 0 3,299   ...
growth rates                                  
Net Interest Income Growth % ...                   -0.879 10.6 26.9 2.44 -17.1    
Net Fee Income Growth % ...                   -0.520 -9.36 12.3 2.83 -11.5    
Total Revenue Growth % ...                   7.38 4.16 12.4 0.726 -14.3    
Operating Cost Growth % ...                   5.39 1.57 -1.18 -2.48 1.89    
Operating Profit Growth % ...                   9.32 6.60 24.6 3.01 -25.1    
Pre-Tax Profit Growth % ...                   9.19 20.4 18.8 14.2 -46.8    
Net Profit Growth % ...                   7.22 26.2 17.5 13.0 -47.5    
market share                                  
Market Share in Revenues %                     9.92 10.4 11.0 10.4 10.0    
Market Share in Net Profit %                     8.18 10.1 11.0 11.1 11.2    
Market Share in Employees %                     8.11 7.85 7.77 7.81 8.22    
Market Share in Branches % ...                   7.87 6.79 6.65 6.64 6.42    
balance sheet Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
balance sheet                                  
Cash & Cash Equivalents CZK mil                     4,192 4,008 4,842 4,634 7,207    
Interbank Loans CZK mil                     139,900 210,188 200,065 185,975 133,820    
Customer Loans CZK mil                     385,572 386,672 412,036 440,760 461,476    
Retail Loans CZK mil                     103,458 112,648 121,041 139,114 151,506    
Mortgage Loans CZK mil                     91,628 95,408 101,883 113,647 126,981    
Consumer Loans CZK mil                     11,830 11,572 19,158 25,467 24,525    
Corporate Loans CZK mil                     282,114 265,459 301,144 311,332 320,959    
Investments CZK mil                     89,405 55,637 44,844 42,564 47,985    
Property and Equipment CZK mil                     6,403 6,823 6,928 6,406 6,879    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 2,345 2,608    
Total Assets CZK mil                     635,042 672,078 671,615 686,593 664,352    
                                     
Shareholders' Equity CZK mil                     66,891 71,496 75,739 78,613 85,592    
Of Which Minority Interest CZK mil                     0 0 0 0 0    
Liabilities CZK mil                     568,151 600,582 595,876 607,980 578,760    
Interbank Borrowing CZK mil                     115,524 174,274 172,151 141,092 105,519    
Customer Deposits CZK mil                     371,163 360,473 374,745 414,953 425,147    
Retail Deposits CZK mil                     136,479 140,000 154,489 165,943 192,230    
Corporate Deposits CZK mil                     176,099 175,000 186,457 185,818 192,883    
Sight Deposits CZK mil ... ... ... ... ...           322,479 336,392 350,294 354,051 404,210    
Term Deposits CZK mil ... ... ... ... ...           48,684 24,081 24,451 60,902 20,937    
Issued Debt Securities CZK mil                     70,093 53,075 37,819 32,119 27,285    
Other Liabilities CZK mil                     11,371 12,760 11,161 19,816 20,809    
asset quality                                  
Non-Performing Loans CZK mil                     16,438 13,581 11,282 10,405 15,563    
Gross Loans CZK mil                     397,850 397,281 422,185 450,446 472,465    
Risk-Weighted Assets CZK mil ...                   413,126 340,015 353,755 358,935 346,034    
Total Provisions CZK mil ...                   12,278 10,609 10,149 9,686 10,989    
growth rates                                  
Customer Loan Growth % ...                   9.68 0.285 6.56 6.97 4.70    
Retail Loan Growth % ...                   10.9 8.88 7.45 14.9 8.91    
Mortgage Loan Growth % ...                   11.4 4.13 6.79 11.5 11.7    
Consumer Loan Growth % ...                   6.64 -2.18 65.6 32.9 -3.70    
Corporate Loan Growth % ...                   9.26 -5.90 13.4 3.38 3.09    
Total Asset Growth % ...                   11.4 5.83 -0.069 2.23 -3.24    
Shareholders' Equity Growth % ...                   8.76 6.88 5.93 3.79 8.88    
Customer Deposit Growth % ...                   1.97 -2.88 3.96 10.7 2.46    
Retail Deposit Growth % ...                   -9.79 2.58 10.3 7.41 15.8    
Corporate Deposit Growth % ...                   1.97 -0.624 6.55 -0.342 3.80    
market share                                  
Market Share in Customer Loans %                     13.1 12.5 12.5 12.8 12.8    
Market Share in Corporate Loans %                     28.9 26.0 27.9 27.8 28.6    
Market Share in Retail Loans %                     7.30 7.38 7.37 7.97 8.15    
Market Share in Consumer Loans %                     3.23 3.03 4.79 6.13 5.80    
Market Share in Mortgage Loans %                     8.70 8.31 8.18 8.55 8.84    
Market Share in Total Assets %                     10.7 9.60 9.23 9.08 8.34    
Market Share in Customer Deposits %                     9.85 8.65 8.43 8.76 8.24    
Market Share in Retail Deposits %                     6.18 5.91 6.04 6.09 6.29    
Market Share in Corporate Deposits %                     19.2 17.6 17.9 17.0 15.8    
ratios Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                   
ROE % ...                   9.42 11.0 12.2 13.1 6.48    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 6.68    
ROE (@ 15% of RWA) % ... ...                 9.93 13.5 17.2 18.9 10.1    
ROA % ...                   1.00 1.17 1.33 1.49 0.787    
Return on Loans % ...                   1.64 1.98 2.24 2.37 1.18    
Operating Profit (As % of RWA) % ... ...                 2.27 2.61 3.53 3.54 2.68    
Costs (As % Of Assets) % ...                   1.44 1.35 1.29 1.25 1.28    
Costs (As % Of Income) %                     48.5 47.3 41.5 40.2 47.8    
Costs (As % Of Loans) % ...                   2.35 2.28 2.18 1.99 1.92    
Costs (As % Of Loans & Deposits) % ...                   1.18 1.17 1.13 1.03 0.992    
Capital Adequacy Ratio % ...                   15.5 19.4 19.9 19.8 23.4    
Tier 1 Ratio % ... ... ... ... ... ... ... ...     15.1 19.0 19.5 19.8 23.4    
Net Interest Margin % ...                   1.68 1.72 2.12 2.15 1.79    
Interest Spread % ...                   1.65 1.70 2.10 2.07 1.74    
Asset Yield % ...                   1.96 1.89 2.30 2.74 2.15    
Revenues (As % of RWA) % ... ...                 4.41 4.94 6.03 5.92 5.13    
Cost Of Liabilities % ...                   0.313 0.190 0.201 0.668 0.405    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... 0 62.0   ...
Interest Income (As % Of Revenues) %                     56.7 60.2 68.0 69.1 66.9    
Fee Income (As % Of Revenues) %                     21.4 18.6 18.6 19.0 19.6    
Other Income (As % Of Revenues) %                     21.9 21.1 13.4 11.9 13.5    
Staff Cost (As % Of Total Cost) %                     39.1 38.8 40.4 43.5 42.4    
Equity (As % Of Assets) %                     10.5 10.6 11.3 11.4 12.9    
Equity (As % Of Loans) %                     17.3 18.5 18.4 17.8 18.5    
Loans (As % Of Deposits) %                     104 107 110 106 109    
Loans (As % Assets) %                     60.7 57.5 61.4 64.2 69.5    
NPLs (As % Of Loans) %                     4.13 3.42 2.67 2.31 3.29    
Provisions (As % Of NPLs) % ...                   74.7 78.1 90.0 93.1 70.6    
Provisions (As % Of Loans) % ...                   3.18 2.74 2.46 2.20 2.38    
Cost of Provisions (As % Of Loans) % ...                   0.407 0.161 0.290 0.227 0.782    
other data Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                   
Branches ...                   161 132 130 126 108    
ATMs ... ... ...       ... ... ... ... ... ... ... ... ... ... ...
ATMs (As % of Bank Branches) % ... ... ...       ... ... ... ... ... ... ... ... ... ... ...
Employees                     3,328 3,289 3,251 3,249 3,347    
Employees Per Bank Branch ...                   20.7 24.9 25.0 25.8 31.0    
Cost Per Employee USD per month                     3,364 3,686 4,115 4,195 4,144    
Cost Per Employee (Local Currency) CZK per month                     84,886 86,501 90,024 94,568 91,176    
customer breakdown Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                   
Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... 1.60 1.60    
Number of Mortgages mil ... ... ... ... ... ... ...       0.068 0.068 0.070 0.079 0.088 ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ...       1,352,000 1,393,000 1,451,000 1,444,000 1,444,000 ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... 4.92 5.50 ... ...
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... 13,179 11,299    
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... 6,326 3,323    
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... 275,475 288,422    
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... 259,346 265,717    
Revenue per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... 585 513    
Net Profit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... 281 151    
Loan per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... 12,178 13,486    
Deposit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... 11,465 12,424    

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UCI CR's mortgage loans rose 5.83% yoy to CZK 159,060 mil in 2Q2023

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia's mortgage loans reached CZK 159,060 mil in 2023-06-30, up 2.67% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,717 in 2023-06-30, up 2.00% when compared to the last year. UniCredit Bank...

UCI CR's npls (as % of loans) fell 27.8% yoy to 1.97% in 2Q2023

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia's non-performing loans reached 1.97% of total loans at the end of 2023-06-30, down from 2.73% compared to the previous year. Historically, the NPL ratio hit an all time high of 6.17% in 2011-09-30 and an all time low of 1.87% in 202...

UCI CR's total revenues fell 1.11% yoy to CZK 5,614 mil in 1Q2023

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia generated total banking revenues of CZK 5,614 mil in 2023-03-31, up 8.55% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 55,788 mil in 2023-03-31, down 5.72% when compa...

UCI CR's net interest margin fell 9.65% yoy to 1.40% in 2Q2023

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia's net interest margin amounted to 1.40% in the second quarter of 2023, down from 1.54% when compared to the previous quarter. Historically, the bank’s net interest margin reached an all time high of 2.55% in 4Q2013 and an all t...

UniCredit Bank Czecho-Slovakia - Market Share in Bank Loans

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia's customer loans reached CZK 501,682 mil in 2023-03-31, up 2.04% compared to the previous year. Czech banking sector provided customer loans of CZK 4,117 bil in 2023-03-31, up 1.11% when compared to the last year. UniCredit ...

UCI CR's capital adequacy ratio rose 5.28% yoy to 22.8% in 2Q2023

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia's capital adequacy ratio reached 22.8% at the end of second quarter of 2023, up from 22.3% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 23.6% in 4Q2020 and an all time low of 14...

UniCredit Bank Czecho-Slovakia - Market Share in Retail Deposits

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia's retail deposits reached CZK 210,572 mil in 2023-03-31, up 1.17% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,447 bil in 2023-03-31, up 1.48% when compared to the last year. UniCredi...

UniCredit Bank Czecho-Slovakia - Market Share in Retail Loans

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia's retail loans reached CZK 167,126 mil in the first quarter of 2023, up 0.816% compared to the previous year. Czech banking sector provided retail loans of CZK 2,156 bil in 1Q2023, up 0.701% when compared to the last year. U...

UniCredit Bank Czecho-Slovakia - Market Share in Corporate Deposits

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia's corporate deposits reached CZK 213,841 mil in 2023-03-31, up 3.56% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,466 bil in 2023-03-31, up 7.26% when compared to the last year. Un...

UCI CR's costs (as % of assets) fell 23.4% yoy to 0.675% in 2Q2023

By Helgi Library - August 13, 2023

UniCredit Bank Czecho-Slovakia's cost to income ratio reached 32.3% in the second quarter of 2023, down from 47.3% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 56.8% of income in 1Q2015 and an all time low of ...

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UniCredit Czech Republic and Slovakia is a medium-sized bank with a market share of around 5-10% in the key banking product in the Czech Republic and Slovakia. The current bank is a result of the merger between UniCredit and two other banks, Živnostenská banka and HVB Bank. At the end of 2013, UniCredit Bank Czech Republic absorbed Slovak sister company UniCredit Bank Slovakia with a headquarter in Prague. Originally a corporate-oriented bank, UniCredit has been focusing increasingly on the retail area in recent years.

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Finance

UniCredit Bank Czecho-Slovakia has been growing its revenues and asset by 8.03% and 9.18% a year on average in the last 10 years. Its loans and deposits have grown by 10.8% and 10.5% a year during that time and loans to deposits ratio reached 107% at the end of 2022. The company achieved an average return on equity of 9.72% in the last decade with net profit growing 11.2% a year on average. In terms of operating efficiency, its cost to income ratio reached 44.4% in 2022, compared to 45.9% average in the last decade.

Equity represented 10.6% of total assets or 15.2% of loans at the end of 2022. UniCredit Bank Czecho-Slovakia's non-performing loans were 1.87% of total loans while provisions covered some 110% of NPLs at the end of 2022.

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