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UniCredit Bank Czecho-Slovakia

UCI CR's npls (as % of loans) fell 37.0% yoy to 1.22% in 4Q2023

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia's non-performing loans reached 1.22% of total loans at the end of 2023-12-31, down from 1.94% comp...

UCI CR's mortgage loans rose 9.96% yoy to CZK 168,154 mil in 4Q2023

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia's mortgage loans reached CZK 168,154 mil in 4Q2023, up 3.80% compared to the previous year. Czec...

UCI CR's total revenues rose 0.747% yoy to CZK 5,210 mil in 4Q2023

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia generated total banking revenues of CZK 5,210 mil in 2023-12-31, down 0.088% compared to the prev...

Profit Statement 2021 2022 2023
Net Interest Income CZK mil 12,981 14,584 15,424
Net Fee Income CZK mil 3,595 3,802 3,662
Other Income CZK mil 2,537 3,925 4,214
Total Revenues CZK mil 19,113 22,311 23,300
Staff Cost CZK mil 3,762 3,928 4,310
Operating Profit CZK mil 10,085 12,648 12,968
Provisions CZK mil 2,003 1,538 433
Net Profit CZK mil 6,981 9,128 10,455
Balance Sheet 2021 2022 2023
Interbank Loans CZK mil 121,843 107,721 158,548
Customer Loans CZK mil 483,349 537,080 601,102
Investments CZK mil 56,992 81,554 86,109
Total Assets CZK mil 693,464 766,412 883,910
Shareholders' Equity CZK mil 81,881 81,422 86,545
Interbank Borrowing CZK mil 56,874 56,910 33,361
Customer Deposits CZK mil 470,158 503,374 617,386
Issued Debt Securities CZK mil 59,001 34,412 78,524
Ratios 2021 2022 2023
ROE % 8.34 11.2 12.4
ROA % 1.03 1.25 1.27
Costs (As % Of Assets) % 1.33 1.32 1.25
Costs (As % Of Income) % 47.2 43.3 44.3
Capital Adequacy Ratio % 21.9 23.1 22.5
Net Interest Margin % 1.91 2.00 1.87
Loans (As % Of Deposits) % 103 107 97.4
NPLs (As % Of Loans) % 2.50 1.87 1.45
Provisions (As % Of NPLs) % 89.6 110 127
Growth Rates 2021 2022 2023
Total Revenue Growth % 5.73 16.7 4.43
Operating Cost Growth % 4.48 7.03 6.92
Operating Profit Growth % 6.87 25.4 2.53
Net Profit Growth % 31.3 30.8 14.5
Customer Loan Growth % 4.74 11.1 11.9
Total Asset Growth % 4.38 10.5 15.3
Customer Deposit Growth % 10.6 7.06 22.6
Shareholders' Equity Growth % -4.34 -0.561 6.29
Employees 3,242 3,185 3,162

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summary Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
income statement                                      
Net Interest Income CZK mil ...                       11,218 14,231 14,578 12,091 12,981    
Total Revenues CZK mil ...                       18,621 20,934 21,086 18,078 19,113    
Operating Profit CZK mil ...                       9,820 12,237 12,605 9,437 10,085    
Net Profit CZK mil ...                       7,626 8,957 10,122 5,317 6,981    
balance sheet                                      
Interbank Loans CZK mil ...                       210,188 200,065 185,975 133,820 121,843    
Customer Loans CZK mil ...                       386,672 412,036 440,760 461,476 483,349    
Investments CZK mil ...                       55,637 44,844 42,564 47,985 56,992    
Total Assets CZK mil ...                       672,078 671,615 686,593 664,352 693,464    
                                         
Shareholders' Equity CZK mil ...                       71,496 75,739 78,613 85,592 81,881    
Interbank Borrowing CZK mil ...                       174,274 172,151 141,092 105,519 56,874    
Customer Deposits CZK mil ...                       360,473 374,745 414,953 425,147 470,158    
Issued Debt Securities CZK mil ...                       53,075 37,819 32,119 27,285 59,001    
ratios                                      
ROE % ... ...                     11.0 12.2 13.1 6.48 8.34    
ROA % ... ...                     1.17 1.33 1.49 0.787 1.03    
Costs (As % Of Assets) % ... ...                     1.35 1.29 1.25 1.28 1.33    
Costs (As % Of Income) % ...                       47.3 41.5 40.2 47.8 47.2    
Capital Adequacy Ratio % ... ...                     19.4 19.9 19.8 23.4 21.9    
Net Interest Margin % ... ...                     1.72 2.12 2.15 1.79 1.91    
Interest Income (As % Of Revenues) % ...                       60.2 68.0 69.1 66.9 67.9    
Fee Income (As % Of Revenues) % ...                       18.6 18.6 19.0 19.6 18.8    
Staff Cost (As % Of Total Cost) % ...                       38.8 40.4 43.5 42.4 41.7    
Equity (As % Of Assets) % ...                       10.6 11.3 11.4 12.9 11.8    
Loans (As % Of Deposits) % ...                       107 110 106 109 103    
Loans (As % Assets) % ...                       57.5 61.4 64.2 69.5 69.7    
NPLs (As % Of Loans) % ...                       3.42 2.67 2.31 3.29 2.50    
Provisions (As % Of NPLs) % ... ...                     78.1 90.0 93.1 70.6 89.6    
valuation                                      
Book Value Per Share Growth % ... ...                     10.6 26.9 2.44 -17.1 7.36    
income statement Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
income statement                                      
Interest Income CZK mil ...                       12,327 15,435 18,597 14,493 15,305    
Interest Cost CZK mil ...                       1,109 1,204 4,019 2,402 2,324    
Net Interest Income CZK mil ...                       11,218 14,231 14,578 12,091 12,981    
Net Fee Income CZK mil ...                       3,465 3,892 4,002 3,541 3,595    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 5,387 4,858 5,009    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,385 1,317 1,414    
Other Income CZK mil ...                       3,938 2,811 2,506 2,446 2,537    
Total Revenues CZK mil ...                       18,621 20,934 21,086 18,078 19,113    
Staff Cost CZK mil ...                       3,414 3,512 3,687 3,662 3,762    
Depreciation CZK mil ...                       1,049 1,210 1,532 1,549 1,740    
Other Cost CZK mil ...                       4,338 3,975 3,262 3,430 3,526    
Operating Cost CZK mil ...                       8,801 8,697 8,481 8,641 9,028    
Operating Profit CZK mil ...                       9,820 12,237 12,605 9,437 10,085    
Provisions CZK mil ...                       620 1,159 967 3,528 2,003    
Extra and Other Cost CZK mil ...                       -89.0 45.0 -967 -799 -758    
Pre-Tax Profit CZK mil ...                       9,289 11,033 12,605 6,708 8,840    
Tax CZK mil ...                       1,663 2,076 2,483 1,391 1,859    
Minorities CZK mil ...                       0 0 0 0 0    
Net Profit CZK mil ...                       7,626 8,957 10,122 5,317 6,981    
Net Profit Avail. to Common CZK mil ...                       7,626 8,957 10,122 5,317 6,981    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0 3,299 6,662   ...
growth rates                                      
Net Interest Income Growth % ... ...                     10.6 26.9 2.44 -17.1 7.36    
Net Fee Income Growth % ... ...                     -9.36 12.3 2.83 -11.5 1.52    
Total Revenue Growth % ... ...                     4.16 12.4 0.726 -14.3 5.73    
Operating Cost Growth % ... ...                     1.57 -1.18 -2.48 1.89 4.48    
Operating Profit Growth % ... ...                     6.60 24.6 3.01 -25.1 6.87    
Pre-Tax Profit Growth % ... ...                     20.4 18.8 14.2 -46.8 31.8    
Net Profit Growth % ... ...                     26.2 17.5 13.0 -47.5 31.3    
market share                                      
Market Share in Revenues % ...                       10.4 11.0 10.4 10.0 10.4    
Market Share in Net Profit % ...                       10.1 11.0 11.1 11.2 9.92    
Market Share in Employees % ...                       7.85 7.77 7.81 8.22 8.16    
Market Share in Branches % ... ...                     6.79 6.65 6.64 6.42 6.52    
balance sheet Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
balance sheet                                      
Cash & Cash Equivalents CZK mil ...                       4,008 4,842 4,634 7,207 5,772    
Interbank Loans CZK mil ...                       210,188 200,065 185,975 133,820 121,843    
Customer Loans CZK mil ...                       386,672 412,036 440,760 461,476 483,349    
Retail Loans CZK mil ...                       112,648 121,041 139,114 151,506 165,258    
Mortgage Loans CZK mil ...                       95,408 101,883 113,647 126,981 143,340    
Consumer Loans CZK mil ...                       11,572 19,158 25,467 24,525 21,918    
Corporate Loans CZK mil ...                       265,459 301,144 311,332 320,959 277,043    
Investments CZK mil ...                       55,637 44,844 42,564 47,985 56,992    
Property and Equipment CZK mil ...                       6,823 6,928 6,406 6,879 6,511    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2,345 2,608 2,876    
Total Assets CZK mil ...                       672,078 671,615 686,593 664,352 693,464    
                                         
Shareholders' Equity CZK mil ...                       71,496 75,739 78,613 85,592 81,881    
Of Which Minority Interest CZK mil ...                       0 0 0 0 0    
Liabilities CZK mil ...                       600,582 595,876 607,980 578,760 611,583    
Interbank Borrowing CZK mil ...                       174,274 172,151 141,092 105,519 56,874    
Customer Deposits CZK mil ...                       360,473 374,745 414,953 425,147 470,158    
Retail Deposits CZK mil ...                       140,000 154,489 165,943 192,230 190,779    
Corporate Deposits CZK mil ...                       175,000 186,457 185,818 192,883 199,843    
Sight Deposits CZK mil ... ... ... ... ... ...             336,392 350,294 354,051 404,210 430,960    
Term Deposits CZK mil ... ... ... ... ... ...             24,081 24,451 60,902 20,937 39,198    
Issued Debt Securities CZK mil ...                       53,075 37,819 32,119 27,285 59,001    
Other Liabilities CZK mil ...                       12,760 11,161 19,816 20,809 25,550    
asset quality                                      
Non-Performing Loans CZK mil ...                       13,581 11,282 10,405 15,563 12,345    
Gross Loans CZK mil ...                       397,281 422,185 450,446 472,465 494,412    
Risk-Weighted Assets CZK mil ... ...                     340,015 353,755 358,935 346,034 362,048    
Total Provisions CZK mil ... ...                     10,609 10,149 9,686 10,989 11,063    
growth rates                                      
Customer Loan Growth % ... ...                     0.285 6.56 6.97 4.70 4.74    
Retail Loan Growth % ... ...                     8.88 7.45 14.9 8.91 9.08    
Mortgage Loan Growth % ... ...                     4.13 6.79 11.5 11.7 12.9    
Consumer Loan Growth % ... ...                     -2.18 65.6 32.9 -3.70 -10.6    
Corporate Loan Growth % ... ...                     -5.90 13.4 3.38 3.09 -13.7    
Total Asset Growth % ... ...                     5.83 -0.069 2.23 -3.24 4.38    
Shareholders' Equity Growth % ... ...                     6.88 5.93 3.79 8.88 -4.34    
Customer Deposit Growth % ... ...                     -2.88 3.96 10.7 2.46 10.6    
Retail Deposit Growth % ... ...                     2.58 10.3 7.41 15.8 -0.755    
Corporate Deposit Growth % ... ...                     -0.624 6.55 -0.342 3.80 3.61    
market share                                      
Market Share in Customer Loans % ...                       12.5 12.5 12.8 12.8 12.6    
Market Share in Corporate Loans % ...                       26.0 27.9 27.8 28.6 23.3    
Market Share in Retail Loans % ...                       7.38 7.37 7.97 8.15 8.09    
Market Share in Consumer Loans % ...                       3.03 4.79 6.13 5.80 4.89    
Market Share in Mortgage Loans % ...                       8.31 8.18 8.55 8.84 8.99    
Market Share in Total Assets % ...                       9.60 9.23 9.08 8.34 8.14    
Market Share in Customer Deposits % ...                       8.65 8.43 8.76 8.24 8.54    
Market Share in Retail Deposits % ...                       5.91 6.04 6.09 6.29 5.84    
Market Share in Corporate Deposits % ...                       17.6 17.9 17.0 15.8 15.3    
ratios Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                       
ROE % ... ...                     11.0 12.2 13.1 6.48 8.34    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 6.68 8.62    
ROE (@ 15% of RWA) % ... ... ...                   13.5 17.2 18.9 10.1 13.1    
ROA % ... ...                     1.17 1.33 1.49 0.787 1.03    
Return on Loans % ...                       1.98 2.24 2.37 1.18 1.48    
Operating Profit (As % of RWA) % ... ... ...                   2.61 3.53 3.54 2.68 2.85    
Costs (As % Of Assets) % ... ...                     1.35 1.29 1.25 1.28 1.33    
Costs (As % Of Income) % ...                       47.3 41.5 40.2 47.8 47.2    
Costs (As % Of Loans) % ... ...                     2.28 2.18 1.99 1.92 1.91    
Costs (As % Of Loans & Deposits) % ... ...                     1.17 1.13 1.03 0.992 0.981    
Capital Adequacy Ratio % ... ...                     19.4 19.9 19.8 23.4 21.9    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ...       19.0 19.5 19.8 23.4 21.7    
Net Interest Margin % ... ...                     1.72 2.12 2.15 1.79 1.91    
Interest Spread % ... ...                     1.70 2.10 2.07 1.74 1.86    
Asset Yield % ... ...                     1.89 2.30 2.74 2.15 2.25    
Revenues (As % of RWA) % ... ... ...                   4.94 6.03 5.92 5.13 5.40    
Cost Of Liabilities % ... ...                     0.190 0.201 0.668 0.405 0.390    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0 62.0 95.4   ...
Interest Income (As % Of Revenues) % ...                       60.2 68.0 69.1 66.9 67.9    
Fee Income (As % Of Revenues) % ...                       18.6 18.6 19.0 19.6 18.8    
Other Income (As % Of Revenues) % ...                       21.1 13.4 11.9 13.5 13.3    
Staff Cost (As % Of Total Cost) % ...                       38.8 40.4 43.5 42.4 41.7    
Equity (As % Of Assets) % ...                       10.6 11.3 11.4 12.9 11.8    
Equity (As % Of Loans) % ...                       18.5 18.4 17.8 18.5 16.9    
Loans (As % Of Deposits) % ...                       107 110 106 109 103    
Loans (As % Assets) % ...                       57.5 61.4 64.2 69.5 69.7    
NPLs (As % Of Loans) % ...                       3.42 2.67 2.31 3.29 2.50    
Provisions (As % Of NPLs) % ... ...                     78.1 90.0 93.1 70.6 89.6    
Provisions (As % Of Loans) % ... ...                     2.74 2.46 2.20 2.38 2.29    
Cost of Provisions (As % Of Loans) % ... ...                     0.161 0.290 0.227 0.782 0.424    
other data Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                       
Branches ... ...                     132 130 126 108 104    
ATMs ... ... ... ...       ... ... ... ... ... ... ... ... ... ... ... ...
ATMs (As % of Bank Branches) % ... ... ... ...       ... ... ... ... ... ... ... ... ... ... ... ...
Employees ...                       3,289 3,251 3,249 3,347 3,242    
Employees Per Bank Branch ... ...                     24.9 25.0 25.8 31.0 31.2    
Cost Per Employee USD per month ...                       3,686 4,115 4,195 4,144 4,463    
Cost Per Employee (Local Currency) CZK per month ...                       86,500 90,024 94,568 91,176 96,700    
customer breakdown Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023
                                       
Customers mil                         0.642 0.700 0.750 0.800 0.850    
Number of Mortgages mil ... ... ... ... ... ... ... ...         0.068 0.070 0.079 0.088 ... ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ...         1,393,000 1,451,000 1,444,000 1,444,000 ... ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ...         10.7 10.0 10.5 11.0 ... ... ...
Revenue per Customer (Local Currency) CZK ...                       28,996 29,906 28,115 22,598 22,486    
Net Profit per Customer (Local Currency) CZK ...                       11,875 12,796 13,496 6,646 8,213    
Loan per Customer (Local Currency) CZK ...                       602,104 588,623 587,680 576,845 568,646    
Deposit per Customer (Local Currency) CZK ...                       561,308 535,350 553,271 531,434 553,127    
Revenue per Customer USD ...                       1,236 1,367 1,247 1,027 1,038    
Net Profit per Customer USD ...                       506 585 599 302 379    
Loan per Customer USD ...                       28,280 26,201 25,979 26,972 25,905    
Deposit per Customer USD ...                       26,364 23,829 24,458 24,848 25,198    

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UCI CR's customer deposits rose 22.7% yoy to CZK 617,058 mil in 4Q2023

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia's customer deposits reached CZK 617,058 mil in 2023-12-31, down 20.3% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,701 bil in 2023-12-31, down 3.35% when compared to the last year. ...

UCI CR's customer loans rose 7.51% yoy to CZK 529,784 mil in 3Q2023

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia's customer loans reached CZK 529,784 mil in 2023-09-30, up 3.34% compared to the previous year. Czech banking sector provided customer loans of CZK 4,290 bil in 2023-09-30, up 1.99% when compared to the last year. UniCredit ...

UCI CR's capital adequacy ratio fell 2.59% yoy to 22.2% in 4Q2023

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia's capital adequacy ratio reached 22.2% at the end of fourth quarter of 2023, down from 23.8% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 24.7% in 1Q2023 and an all time low of ...

UCI CR's retail deposits rose 16.7% yoy to CZK 242,827 mil in 4Q2023

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia's retail deposits reached CZK 242,827 mil in 2023-12-31, up 11.4% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,651 bil in 2023-12-31, up 2.05% when compared to the last year. UniCredi...

UCI CR's retail loans rose 7.53% yoy to CZK 163,905 mil in 3Q2022

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia's retail loans reached CZK 163,905 mil in the third quarter of 2022, up 1.01% compared to the previous year. Czech banking sector provided retail loans of CZK 2,121 bil in 3Q2022, up 1.19% when compared to the last year. Uni...

UCI CR's net profit fell 11.0% yoy to CZK 2,046 mil in 4Q2023

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia made a net profit of CZK 2,046 mil under revenues of CZK 5,210 mil in the fourth quarter of 2023, down 11% and up 0.747% respectively when compared to the same period last year. Historically, the bank’s net profit reached an...

UCI CR's net profit fell 11.0% yoy to CZK 2,046 mil in 4Q2023

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia made a net profit of CZK 2,046 mil in the fourth quarter of 2023, down 11% when compared to the same period of last year. This implies a return on equity of 10.2%. Historically, the bank’s net profit reached an all time high of CZK ...

UCI CR's corporate loans rose 8.86% yoy to CZK 263,576 mil in 4Q2023

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia's loans reached CZK 591,926 mil in the fourth quarter of 2023, up from CZK 541,107 mil when compared to the previous quarter and up from CZK 526,838 mil when compared to the same period of last year. Historically, the ba...

UCI CR's corporate deposits rose 11.4% yoy to CZK 230,000 mil in 4Q2023

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia's corporate deposits reached CZK 230,000 mil in 2023-12-31, down 1.61% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,470 bil in 2023-12-31, up 3.25% when compared to the last year. ...

UCI CR's consumer loans rose 30.8% yoy to CZK 16,800 mil in 4Q2023

By Helgi Library - May 11, 2024

UniCredit Bank Czecho-Slovakia's consumer loans reached CZK 16,800 mil in 2023-12-31, up 9.04% compared to the previous year. Czech banking sector provided consumer loans of CZK 500 bil in 2023-12-31, up 1.45% when compared to the last year. UniCredit Ban...

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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.

UniCredit Bank Czecho-Slovakia Logo

Finance

UniCredit Bank Czecho-Slovakia has been growing its revenues and asset by 7.10% and 6.64% a year on average in the last 10 years. Its loans and deposits have grown by 7.56% and 7.26% a year during that time and loans to deposits ratio reached 97.4% at the end of 2023. The company achieved an average return on equity of 10.3% in the last decade with net profit growing 12.7% a year on average. In terms of operating efficiency, its cost to income ratio reached 44.3% in 2023, compared to 45.7% average in the last decade.

Equity represented 9.79% of total assets or 14.4% of loans at the end of 2023. UniCredit Bank Czecho-Slovakia's non-performing loans were 1.45% of total loans while provisions covered some 127% of NPLs at the end of 2023.