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UniCredit Bank Czecho-Slovakia

UCI CR's net profit rose 22.7% yoy to CZK 2,113 mil in 2Q2021

By Helgi Analytics - September 27, 2021

UniCredit Bank Czecho-Slovakia made a net profit of CZK 2,113 mil in the second quarter of 2021, up 22.7% when compared to the sa...

UCI CR's net profit rose 22.7% yoy to CZK 2,113 mil in 2Q2021

By Helgi Analytics - September 27, 2021

UniCredit Bank Czecho-Slovakia made a net profit of CZK 2,113 mil under revenues of CZK 4,410 mil in the second quarter of 2021, up 2...

UCI CR's net interest margin rose 9.26% yoy to 1.16% in 2Q2021

By Helgi Analytics - September 27, 2021

UniCredit Bank Czecho-Slovakia's net interest margin amounted to 1.16% in the second quarter of 2021, down from 1.29% when compa...

Profit Statement 2018 2019 2020
Net Interest Income CZK mil 14,231 14,578 12,091
Net Fee Income CZK mil 3,892 4,002 3,541
Other Income CZK mil 2,811 2,506 2,446
Total Revenues CZK mil 20,934 21,086 18,078
Staff Cost CZK mil 3,512 3,687 3,662
Operating Profit CZK mil 12,237 12,605 9,437
Provisions CZK mil 1,159 967 3,528
Net Profit CZK mil 8,957 10,122 5,317
Balance Sheet 2018 2019 2020
Interbank Loans CZK mil 200,065 185,975 136,955
Customer Loans CZK mil 412,036 440,760 461,476
Investments CZK mil 44,844 42,564 47,985
Total Assets CZK mil 671,615 686,593 664,352
Shareholders' Equity CZK mil 75,739 78,613 85,592
Interbank Borrowing CZK mil 172,151 141,092 105,519
Customer Deposits CZK mil 374,745 414,953 425,147
Issued Debt Securities CZK mil 37,819 32,119 27,285
Ratios 2018 2019 2020
ROE % 12.2 13.1 6.48
ROA % 1.33 1.49 0.787
Costs (As % Of Assets) % 1.29 1.25 1.28
Costs (As % Of Income) % 41.5 40.2 47.8
Capital Adequacy Ratio % 19.9 19.8 23.4
Net Interest Margin % 2.12 2.15 1.79
Loans (As % Of Deposits) % 110 106 109
NPLs (As % Of Loans) % 2.67 2.31 3.29
Provisions (As % Of NPLs) % 90.0 93.1 70.6
Growth Rates 2018 2019 2020
Total Revenue Growth % 12.4 0.726 -14.3
Operating Cost Growth % -1.18 -2.48 1.89
Operating Profit Growth % 24.6 3.01 -25.1
Net Profit Growth % 17.5 13.0 -47.5
Customer Loan Growth % 6.56 6.97 4.70
Total Asset Growth % -0.069 2.23 -3.24
Customer Deposit Growth % 3.96 10.7 2.46
Shareholders' Equity Growth % 5.93 3.79 8.88
Employees 3,251 3,249 3,347

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summary Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
income statement                              
Net Interest Income CZK mil                 10,049 10,235 10,145 11,218 14,231    
Total Revenues CZK mil                 15,822 16,649 17,877 18,621 20,934    
Operating Profit CZK mil                 8,275 8,427 9,212 9,820 12,237    
Net Profit CZK mil                 4,908 5,638 6,045 7,626 8,957    
balance sheet                              
Interbank Loans CZK mil                 48,782 106,611 139,900 210,188 200,065    
Customer Loans CZK mil                 339,510 351,541 385,572 386,672 412,036    
Investments CZK mil                 101,515 92,402 89,405 55,637 44,844    
Total Assets CZK mil                 508,616 570,284 635,042 672,078 671,615    
                                 
Shareholders' Equity CZK mil                 58,410 61,506 66,891 71,496 75,739    
Interbank Borrowing CZK mil                 54,742 59,702 115,524 174,274 172,151    
Customer Deposits CZK mil                 328,585 363,989 371,163 360,473 374,745    
Issued Debt Securities CZK mil                 54,837 72,055 70,093 53,075 37,819    
ratios                              
ROE % ...               8.99 9.40 9.42 11.0 12.2    
ROA % ...               1.01 1.05 1.00 1.17 1.33    
Costs (As % Of Assets) % ...               1.55 1.52 1.44 1.35 1.29    
Costs (As % Of Income) %                 47.7 49.4 48.5 47.3 41.5    
Capital Adequacy Ratio % ...               14.4 14.6 15.5 19.4 19.9    
Net Interest Margin % ...               2.07 1.90 1.68 1.72 2.12    
Interest Income (As % Of Revenues) %                 63.5 61.5 56.7 60.2 68.0    
Fee Income (As % Of Revenues) %                 22.5 23.1 21.4 18.6 18.6    
Staff Cost (As % Of Total Cost) %                 42.8 40.4 39.1 38.8 40.4    
Equity (As % Of Assets) %                 11.5 10.8 10.5 10.6 11.3    
Loans (As % Of Deposits) %                 103 96.6 104 107 110    
Loans (As % Assets) %                 66.8 61.6 60.7 57.5 61.4    
NPLs (As % Of Loans) %                 5.88 5.06 4.13 3.42 2.67    
Provisions (As % Of NPLs) % ...               60.2 67.9 74.7 78.1 90.0    
income statement Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
income statement                              
Interest Income CZK mil                 13,232 12,748 11,832 12,327 15,435    
Interest Cost CZK mil                 3,183 2,513 1,687 1,109 1,204    
Net Interest Income CZK mil                 10,049 10,235 10,145 11,218 14,231    
Net Fee Income CZK mil                 3,557 3,843 3,823 3,465 3,892    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ...    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ...    
Other Income CZK mil                 2,216 2,571 3,909 3,938 2,811    
Total Revenues CZK mil                 15,822 16,649 17,877 18,621 20,934    
Staff Cost CZK mil                 3,229 3,322 3,390 3,414 3,512    
Depreciation CZK mil                 377 715 811 1,049 1,210    
Other Cost CZK mil                 3,941 4,185 4,464 4,338 3,975    
Operating Cost CZK mil                 7,547 8,222 8,665 8,801 8,697    
Operating Profit CZK mil                 8,275 8,427 9,212 9,820 12,237    
Provisions CZK mil                 2,317 1,425 1,499 620 1,159    
Extra and Other Cost CZK mil                 -72.0 -62.0 0 -89.0 45.0    
Pre-Tax Profit CZK mil                 6,030 7,064 7,713 9,289 11,033    
Tax CZK mil                 1,119 1,424 1,668 1,663 2,076    
Minorities CZK mil                 3.00 2.00 0 0 0   ...
Net Profit CZK mil                 4,908 5,638 6,045 7,626 8,957    
Net Profit Avail. to Common CZK mil                 4,908 5,638 6,045 7,626 8,957    
growth rates                              
Net Interest Income Growth % ...               41.8 1.85 -0.879 10.6 26.9    
Net Fee Income Growth % ...               25.3 8.04 -0.520 -9.36 12.3    
Total Revenue Growth % ...               34.8 5.23 7.38 4.16 12.4    
Operating Cost Growth % ...               43.6 8.94 5.39 1.57 -1.18    
Operating Profit Growth % ...               27.7 1.84 9.32 6.60 24.6    
Pre-Tax Profit Growth % ...               52.4 17.1 9.19 20.4 18.8    
Net Profit Growth % ...               54.8 14.9 7.22 26.2 17.5    
market share                              
Market Share in Revenues %                 9.42 9.56 9.92 10.4 11.0 ... ...
Market Share in Net Profit %                 7.78 8.50 8.22 10.1 11.0 ... ...
Market Share in Employees %                 8.16 8.01 8.11 7.85 7.77 ... ...
Market Share in Branches % ...               7.81 7.90 7.87 6.79 6.65 ... ...
balance sheet Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
balance sheet                              
Cash & Cash Equivalents CZK mil                 4,135 4,445 4,192 4,008 4,842    
Interbank Loans CZK mil                 48,782 106,611 139,900 210,188 200,065    
Customer Loans CZK mil                 339,510 351,541 385,572 386,672 412,036    
Retail Loans CZK mil                 84,241 93,327 103,458 112,648 121,041    
Mortgage Loans CZK mil                 74,396 82,234 91,628 95,408 101,883    
Consumer Loans CZK mil                 9,845 11,093 11,830 11,572 19,158    
Corporate Loans CZK mil                 255,269 258,214 282,114 265,459 301,144    
Investments CZK mil                 101,515 92,402 89,405 55,637 44,844    
Property and Equipment CZK mil                 4,779 5,908 6,403 6,823 6,928    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ...    
Total Assets CZK mil                 508,616 570,284 635,042 672,078 671,615    
                                 
Shareholders' Equity CZK mil                 58,410 61,506 66,891 71,496 75,739    
Of Which Minority Interest CZK mil                 0 0 0 0 0    
Liabilities CZK mil                 450,206 508,778 568,151 600,582 595,876    
Interbank Borrowing CZK mil                 54,742 59,702 115,524 174,274 172,151    
Customer Deposits CZK mil                 328,585 363,989 371,163 360,473 374,745    
Retail Deposits CZK mil                 137,687 151,294 136,479 140,000 154,489   ...
Corporate Deposits CZK mil                 155,898 172,696 176,099 175,000 186,457   ...
Sight Deposits CZK mil ... ... ... ... ...       264,936 299,340 322,479 336,392 350,294    
Term Deposits CZK mil ... ... ... ... ...       51,217 53,653 48,684 24,081 24,451    
Issued Debt Securities CZK mil                 54,837 72,055 70,093 53,075 37,819    
Other Liabilities CZK mil                 12,042 13,032 11,371 12,760 11,161    
asset quality                              
Non-Performing Loans CZK mil                 20,714 18,420 16,438 13,581 11,282    
Gross Loans CZK mil                 351,981 364,042 397,850 397,281 422,185    
Risk-Weighted Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ...    
Total Provisions CZK mil ...               12,471 12,501 12,278 10,609 10,149    
growth rates                              
Customer Loan Growth % ...               17.1 3.54 9.68 0.285 6.56    
Retail Loan Growth % ...               53.4 10.8 10.9 8.88 7.45    
Mortgage Loan Growth % ...               113 10.5 11.4 4.13 6.79    
Consumer Loan Growth % ...               -50.8 12.7 6.64 -2.18 65.6    
Corporate Loan Growth % ...               8.61 1.15 9.26 -5.90 13.4    
Total Asset Growth % ...               9.47 12.1 11.4 5.83 -0.069    
Shareholders' Equity Growth % ...               15.1 5.30 8.76 6.88 5.93    
Customer Deposit Growth % ...               7.28 10.8 1.97 -2.88 3.96    
Retail Deposit Growth % ...               5.13 9.88 -9.79 2.58 10.3   ...
Corporate Deposit Growth % ...               7.28 10.8 1.97 -0.624 6.55   ...
market share                              
Market Share in Customer Loans %                 12.9 12.6 13.1 12.5 12.5    
Market Share in Corporate Loans %                 29.2 28.0 28.9 26.0 27.9    
Market Share in Retail Loans %                 2.98 3.15 3.23 3.03 4.79    
Market Share in Consumer Loans %                 6.85 7.05 7.29 7.36 7.35    
Market Share in Mortgage Loans %                 8.27 8.46 8.70 8.31 8.18    
Market Share in Total Assets %                 9.44 10.3 10.5 9.51 9.16    
Market Share in Customer Deposits %                 9.57 10.3 9.85 8.65 8.43    
Market Share in Retail Deposits %                 7.16 7.44 6.18 5.91 6.04   ...
Market Share in Corporate Deposits %                 18.6 18.7 19.2 17.6 17.9   ...
ratios Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                               
ROE % ...               8.99 9.40 9.42 11.0 12.2    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
ROE (@ 15% of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
ROA % ...               1.01 1.05 1.00 1.17 1.33    
Return on Loans % ...               1.56 1.63 1.64 1.98 2.24    
Operating Profit (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Costs (As % Of Assets) % ...               1.55 1.52 1.44 1.35 1.29    
Costs (As % Of Income) %                 47.7 49.4 48.5 47.3 41.5    
Costs (As % Of Loans) % ...               2.40 2.38 2.35 2.28 2.18    
Costs (As % Of Loans & Deposits) % ...               1.19 1.19 1.18 1.17 1.13    
Capital Adequacy Ratio % ...               14.4 14.6 15.5 19.4 19.9    
Tier 1 Ratio % ... ... ... ... ... ... ... ... 14.0 14.2 15.1 19.0 19.5    
Net Interest Margin % ...               2.07 1.90 1.68 1.72 2.12    
Interest Spread % ...               1.98 1.84 1.65 1.70 2.10    
Asset Yield % ...               2.72 2.36 1.96 1.89 2.30    
Revenues (As % of RWA) % ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
Cost Of Liabilities % ...               0.737 0.524 0.313 0.190 0.201    
Interest Income (As % Of Revenues) %                 63.5 61.5 56.7 60.2 68.0    
Fee Income (As % Of Revenues) %                 22.5 23.1 21.4 18.6 18.6    
Other Income (As % Of Revenues) %                 14.0 15.4 21.9 21.1 13.4    
Staff Cost (As % Of Total Cost) %                 42.8 40.4 39.1 38.8 40.4    
Equity (As % Of Assets) %                 11.5 10.8 10.5 10.6 11.3    
Equity (As % Of Loans) %                 17.2 17.5 17.3 18.5 18.4    
Loans (As % Of Deposits) %                 103 96.6 104 107 110    
Loans (As % Assets) %                 66.8 61.6 60.7 57.5 61.4    
NPLs (As % Of Loans) %                 5.88 5.06 4.13 3.42 2.67    
Provisions (As % Of NPLs) % ...               60.2 67.9 74.7 78.1 90.0    
Provisions (As % Of Loans) % ...               3.67 3.56 3.18 2.74 2.46    
Cost of Provisions (As % Of Loans) % ...               0.736 0.412 0.407 0.161 0.290    
other data Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                               
Branches ...               173 171 161 132 130    
ATMs ... ... ...       ... ... ... ... ... ... ... ... ...
ATMs (As % of Bank Branches) % ... ... ...       ... ... ... ... ... ... ... ... ...
Employees                 3,294 3,301 3,328 3,289 3,251    
Employees Per Bank Branch ...               19.0 19.3 20.7 24.9 25.0    
Cost Per Employee USD per month                 3,822 3,513 3,364 3,686 4,115    
Cost Per Employee (Local Currency) CZK per month                 81,689 83,864 84,886 86,501 90,024    
customer breakdown Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020
                               
Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Number of Mortgages mil ... ... ... ... ... ... ...   0.059 0.064 0.068 0.068 0.070    
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ...   1,266,000 1,282,000 1,352,000 1,393,000 1,451,000    
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Revenue per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Net Profit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Loan per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ...   ...
Deposit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ...   ...

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UCI CR's customer loans rose 0.573% yoy to CZK 369,928 mil in 4Q2020

By Helgi Analytics - September 27, 2021

UniCredit Bank Czecho-Slovakia's customer loans reached CZK 369,928 mil in 2020-12-31, down 2.11% compared to the previous year. Czech banking sector provided customer loans of CZK 3,596 bil in 2020-12-31, down 0.651% when compared to the last year. UniCr...

UCI CR's retail loans rose 11.0% yoy to CZK 141,640 mil in 4Q2020

By Helgi Analytics - September 27, 2021

UniCredit Bank Czecho-Slovakia's retail loans reached CZK 141,640 mil in the fourth quarter of 2020, up 2.76% compared to the previous year. Czech banking sector provided retail loans of CZK 1,859 bil in 4Q2020, up 1.85% when compared to the last year. Un...

UCI CR's capital adequacy ratio remain unchanged yoy at % in 2Q2021

By Helgi Analytics - February 19, 2021

UniCredit Bank Czecho-Slovakia's capital adequacy ratio reached 20.3% at the end of third quarter of 2020, down from 20.4% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 20.4% in 2Q2020 and an all time low of 1...

UCI CR's costs (as % of assets) remain unchanged yoy at % in 2Q2021

By Helgi Analytics - September 27, 2021

UniCredit Bank Czecho-Slovakia's cost to income ratio reached 44.8% in the third quarter of 2020, down from 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 28...

UCI CR's npls (as % of loans) rose 50.8% yoy to 3.27% in 2Q2021

By Helgi Analytics - September 27, 2021

UniCredit Bank Czecho-Slovakia's non-performing loans reached 3.27% of total loans at the end of 2021-06-30, up from 2.17% 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 2.17% in 2020-...

UCI CR's employees remain unchanged yoy at in 2Q2021

By Helgi Analytics - September 27, 2021

UniCredit Bank Czecho-Slovakia employed 3,008 persons in 2020-09-30, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 3,010 persons in 2013-12-31 and an all time low of 1,661 in 2009-12-31. Average cost reached...

UCI CR's total revenues fell 13.1% yoy to CZK 3,800 mil in 3Q2020

By Helgi Analytics - February 19, 2021

UniCredit Bank Czecho-Slovakia generated total banking revenues of CZK 3,800 mil in 2020-09-30, down 6.78% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 41,746 mil in 2020-09-30, down 13.4% when com...

UCI CR's corporate loans remain unchanged yoy at CZK mil in 2Q2021

By Helgi Analytics - September 27, 2021

UniCredit Bank Czecho-Slovakia's loans reached CZK 357,522 mil in the second quarter of 2019, up from CZK 357,357 mil when compared to the previous quarter and up from CZK 339,447 mil when compared to the same period of last year. Historically, the ba...

UCI CR's net interest income rose 15.4% yoy to CZK 2,770 mil in 2Q2021

By Helgi Analytics - September 27, 2021

UniCredit Bank Czecho-Slovakia generated total banking revenues of CZK 4,410 mil in the second quarter of 2021, up 8.19% when compared to the same period of last year and 12.1% when compared to the previous quarter. Historically, the bank’s revenues containin...

UCI CR's Cost of Risk fell 264% yoy to -0.123% in 2Q2021

By Helgi Analytics - September 27, 2021

UniCredit Bank Czecho-Slovakia's Cost of Risk (loan loss provisions as % of total assets) amounted to -0.123% in the second quarter of 2021, down from 0.272% when compared to the previous quarter. Historically, the bank’s cost of risk reached an all time high 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 6.92% and 9.42% a year on average in the last 10 years. Its loans and deposits have grown by 10.4% and 11.2% a year during that time and loans to deposits ratio reached 109% at the end of 2020. The company achieved an average return on equity of 9.00% in the last decade with net profit growing 5.88% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.8% in 2020, compared to 45.3% average in the last decade.

Equity represented 12.9% of total assets or 18.5% of loans at the end of 2020. UniCredit Bank Czecho-Slovakia's non-performing loans were 3.29% of total loans while provisions covered some 70.6% of NPLs at the end of 2020.