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UniCredit Bank Czecho-Slovakia

UCI CR's customer deposits fell 4.54% yoy to CZK 660,950 mil in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia's customer deposits reached CZK 660,950 mil in 2022-06-30, up 2.98% compared to the previous year. ...

UCI CR's net profit rose 2.83% yoy to CZK 2,173 mil in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia made a net profit of CZK 2,173 mil in the second quarter of 2022, up 2.83% when compared to the sa...

UCI CR's net profit rose 2.83% yoy to CZK 2,173 mil in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia made a net profit of CZK 2,173 mil under revenues of CZK 4,903 mil in the second quarter of 2022, up 2...

Profit Statement 2019 2020 2021
Net Interest Income CZK mil 14,578 12,091 12,981
Net Fee Income CZK mil 4,002 3,541 3,595
Other Income CZK mil 2,506 2,446 2,537
Total Revenues CZK mil 21,086 18,078 19,113
Staff Cost CZK mil 3,687 3,662 3,762
Operating Profit CZK mil 12,605 9,437 10,085
Provisions CZK mil 967 3,528 2,003
Net Profit CZK mil 10,122 5,317 6,981
Balance Sheet 2019 2020 2021
Interbank Loans CZK mil 185,975 133,820 121,843
Customer Loans CZK mil 440,760 461,476 483,349
Investments CZK mil 42,564 47,985 56,992
Total Assets CZK mil 686,593 664,352 693,464
Shareholders' Equity CZK mil 78,613 85,592 81,881
Interbank Borrowing CZK mil 141,092 105,519 56,874
Customer Deposits CZK mil 414,953 425,147 470,158
Issued Debt Securities CZK mil 32,119 27,285 59,001
Ratios 2019 2020 2021
ROE % 13.1 6.48 8.34
ROA % 1.49 0.787 1.03
Costs (As % Of Assets) % 1.25 1.28 1.33
Costs (As % Of Income) % 40.2 47.8 47.2
Capital Adequacy Ratio % 19.8 23.4 21.9
Net Interest Margin % 2.15 1.79 1.91
Loans (As % Of Deposits) % 106 109 103
NPLs (As % Of Loans) % 2.31 3.29 2.50
Provisions (As % Of NPLs) % 93.1 70.6 89.6
Growth Rates 2019 2020 2021
Total Revenue Growth % 0.726 -14.3 5.73
Operating Cost Growth % -2.48 1.89 4.48
Operating Profit Growth % 3.01 -25.1 6.87
Net Profit Growth % 13.0 -47.5 31.3
Customer Loan Growth % 6.97 4.70 4.74
Total Asset Growth % 2.23 -3.24 4.38
Customer Deposit Growth % 10.7 2.46 10.6
Shareholders' Equity Growth % 3.79 8.88 -4.34
Employees 3,249 3,347 3,242

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summary Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
income statement                                
Net Interest Income CZK mil                   10,235 10,145 11,218 14,231 14,578    
Total Revenues CZK mil                   16,649 17,877 18,621 20,934 21,086    
Operating Profit CZK mil                   8,427 9,212 9,820 12,237 12,605    
Net Profit CZK mil                   5,638 6,045 7,626 8,957 10,122    
balance sheet                                
Interbank Loans CZK mil                   106,611 139,900 210,188 200,065 185,975    
Customer Loans CZK mil                   351,541 385,572 386,672 412,036 440,760    
Investments CZK mil                   92,402 89,405 55,637 44,844 42,564    
Total Assets CZK mil                   570,284 635,042 672,078 671,615 686,593    
                                   
Shareholders' Equity CZK mil                   61,506 66,891 71,496 75,739 78,613    
Interbank Borrowing CZK mil                   59,702 115,524 174,274 172,151 141,092    
Customer Deposits CZK mil                   363,989 371,163 360,473 374,745 414,953    
Issued Debt Securities CZK mil                   72,055 70,093 53,075 37,819 32,119    
ratios                                
ROE % ...                 9.40 9.42 11.0 12.2 13.1    
ROA % ...                 1.05 1.00 1.17 1.33 1.49    
Costs (As % Of Assets) % ...                 1.52 1.44 1.35 1.29 1.25    
Costs (As % Of Income) %                   49.4 48.5 47.3 41.5 40.2    
Capital Adequacy Ratio % ...                 14.6 15.5 19.4 19.9 19.8    
Net Interest Margin % ...                 1.90 1.68 1.72 2.12 2.15    
Interest Income (As % Of Revenues) %                   61.5 56.7 60.2 68.0 69.1    
Fee Income (As % Of Revenues) %                   23.1 21.4 18.6 18.6 19.0    
Staff Cost (As % Of Total Cost) %                   40.4 39.1 38.8 40.4 43.5    
Equity (As % Of Assets) %                   10.8 10.5 10.6 11.3 11.4    
Loans (As % Of Deposits) %                   96.6 104 107 110 106    
Loans (As % Assets) %                   61.6 60.7 57.5 61.4 64.2    
NPLs (As % Of Loans) %                   5.06 4.13 3.42 2.67 2.31    
Provisions (As % Of NPLs) % ...                 67.9 74.7 78.1 90.0 93.1    
income statement Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
income statement                                
Interest Income CZK mil                   12,748 11,832 12,327 15,435 18,597    
Interest Cost CZK mil                   2,513 1,687 1,109 1,204 4,019    
Net Interest Income CZK mil                   10,235 10,145 11,218 14,231 14,578    
Net Fee Income CZK mil                   3,843 3,823 3,465 3,892 4,002    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 5,387    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 1,385    
Other Income CZK mil                   2,571 3,909 3,938 2,811 2,506    
Total Revenues CZK mil                   16,649 17,877 18,621 20,934 21,086    
Staff Cost CZK mil                   3,322 3,390 3,414 3,512 3,687    
Depreciation CZK mil                   715 811 1,049 1,210 1,532    
Other Cost CZK mil                   4,185 4,464 4,338 3,975 3,262    
Operating Cost CZK mil                   8,222 8,665 8,801 8,697 8,481    
Operating Profit CZK mil                   8,427 9,212 9,820 12,237 12,605    
Provisions CZK mil                   1,425 1,499 620 1,159 967    
Extra and Other Cost CZK mil                   -62.0 0 -89.0 45.0 -967    
Pre-Tax Profit CZK mil                   7,064 7,713 9,289 11,033 12,605    
Tax CZK mil                   1,424 1,668 1,663 2,076 2,483    
Minorities CZK mil                   2.00 0 0 0 0    
Net Profit CZK mil                   5,638 6,045 7,626 8,957 10,122    
Net Profit Avail. to Common CZK mil                   5,638 6,045 7,626 8,957 10,122    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 0   ...
growth rates                                
Net Interest Income Growth % ...                 1.85 -0.879 10.6 26.9 2.44    
Net Fee Income Growth % ...                 8.04 -0.520 -9.36 12.3 2.83    
Total Revenue Growth % ...                 5.23 7.38 4.16 12.4 0.726    
Operating Cost Growth % ...                 8.94 5.39 1.57 -1.18 -2.48    
Operating Profit Growth % ...                 1.84 9.32 6.60 24.6 3.01    
Pre-Tax Profit Growth % ...                 17.1 9.19 20.4 18.8 14.2    
Net Profit Growth % ...                 14.9 7.22 26.2 17.5 13.0    
market share                                
Market Share in Revenues %                   9.56 9.92 10.4 11.0 10.4    
Market Share in Net Profit %                   8.49 8.18 10.1 11.0 11.1    
Market Share in Employees %                   8.01 8.11 7.85 7.77 7.81    
Market Share in Branches % ...                 7.90 7.87 6.79 6.65 6.64   ...
balance sheet Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
balance sheet                                
Cash & Cash Equivalents CZK mil                   4,445 4,192 4,008 4,842 4,634    
Interbank Loans CZK mil                   106,611 139,900 210,188 200,065 185,975    
Customer Loans CZK mil                   351,541 385,572 386,672 412,036 440,760    
Retail Loans CZK mil                   93,327 103,458 112,648 121,041 139,114    
Mortgage Loans CZK mil                   82,234 91,628 95,408 101,883 113,647    
Consumer Loans CZK mil                   11,093 11,830 11,572 19,158 25,467    
Corporate Loans CZK mil                   258,214 282,114 265,459 301,144 311,332    
Investments CZK mil                   92,402 89,405 55,637 44,844 42,564    
Property and Equipment CZK mil                   5,908 6,403 6,823 6,928 6,406    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... 2,345    
Total Assets CZK mil                   570,284 635,042 672,078 671,615 686,593    
                                   
Shareholders' Equity CZK mil                   61,506 66,891 71,496 75,739 78,613    
Of Which Minority Interest CZK mil                   0 0 0 0 0    
Liabilities CZK mil                   508,778 568,151 600,582 595,876 607,980    
Interbank Borrowing CZK mil                   59,702 115,524 174,274 172,151 141,092    
Customer Deposits CZK mil                   363,989 371,163 360,473 374,745 414,953    
Retail Deposits CZK mil                   151,294 136,479 140,000 154,489 165,943    
Corporate Deposits CZK mil                   172,696 176,099 175,000 186,457 185,818    
Sight Deposits CZK mil ... ... ... ... ...         299,340 322,479 336,392 350,294 354,051    
Term Deposits CZK mil ... ... ... ... ...         53,653 48,684 24,081 24,451 60,902    
Issued Debt Securities CZK mil                   72,055 70,093 53,075 37,819 32,119    
Other Liabilities CZK mil                   13,032 11,371 12,760 11,161 19,816    
asset quality                                
Non-Performing Loans CZK mil                   18,420 16,438 13,581 11,282 10,405    
Gross Loans CZK mil                   364,042 397,850 397,281 422,185 450,446    
Risk-Weighted Assets CZK mil ...                 398,404 413,126 340,015 353,755 358,935    
Total Provisions CZK mil ...                 12,501 12,278 10,609 10,149 9,686    
growth rates                                
Customer Loan Growth % ...                 3.54 9.68 0.285 6.56 6.97    
Retail Loan Growth % ...                 10.8 10.9 8.88 7.45 14.9    
Mortgage Loan Growth % ...                 10.5 11.4 4.13 6.79 11.5    
Consumer Loan Growth % ...                 12.7 6.64 -2.18 65.6 32.9    
Corporate Loan Growth % ...                 1.15 9.26 -5.90 13.4 3.38    
Total Asset Growth % ...                 12.1 11.4 5.83 -0.069 2.23    
Shareholders' Equity Growth % ...                 5.30 8.76 6.88 5.93 3.79    
Customer Deposit Growth % ...                 10.8 1.97 -2.88 3.96 10.7    
Retail Deposit Growth % ...                 9.88 -9.79 2.58 10.3 7.41    
Corporate Deposit Growth % ...                 10.8 1.97 -0.624 6.55 -0.342    
market share                                
Market Share in Customer Loans %                   12.6 13.1 12.5 12.5 12.8    
Market Share in Corporate Loans %                   28.0 28.9 26.0 27.9 27.8    
Market Share in Retail Loans %                   3.15 3.23 3.03 4.79 6.13    
Market Share in Consumer Loans %                   7.05 7.29 7.36 7.35 7.97    
Market Share in Mortgage Loans %                   8.46 8.70 8.31 8.18 8.55    
Market Share in Total Assets %                   10.3 10.5 9.51 9.16 9.10    
Market Share in Customer Deposits %                   10.3 9.85 8.65 8.43 8.76    
Market Share in Retail Deposits %                   7.44 6.18 5.91 6.04 6.09    
Market Share in Corporate Deposits %                   18.7 19.2 17.6 17.9 17.0    
ratios Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
                                 
ROE % ...                 9.40 9.42 11.0 12.2 13.1    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ...    
ROE (@ 15% of RWA) % ... ...               9.91 9.93 13.5 17.2 18.9    
ROA % ...                 1.05 1.00 1.17 1.33 1.49    
Return on Loans % ...                 1.63 1.64 1.98 2.24 2.37    
Operating Profit (As % of RWA) % ... ...               2.22 2.27 2.61 3.53 3.54    
Costs (As % Of Assets) % ...                 1.52 1.44 1.35 1.29 1.25    
Costs (As % Of Income) %                   49.4 48.5 47.3 41.5 40.2    
Costs (As % Of Loans) % ...                 2.38 2.35 2.28 2.18 1.99    
Costs (As % Of Loans & Deposits) % ...                 1.19 1.18 1.17 1.13 1.03    
Capital Adequacy Ratio % ...                 14.6 15.5 19.4 19.9 19.8    
Tier 1 Ratio % ... ... ... ... ... ... ... ...   14.2 15.1 19.0 19.5 19.8    
Net Interest Margin % ...                 1.90 1.68 1.72 2.12 2.15    
Interest Spread % ...                 1.84 1.65 1.70 2.10 2.07    
Asset Yield % ...                 2.36 1.96 1.89 2.30 2.74    
Revenues (As % of RWA) % ... ...               4.39 4.41 4.94 6.03 5.92    
Cost Of Liabilities % ...                 0.524 0.313 0.190 0.201 0.668    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... 0   ...
Interest Income (As % Of Revenues) %                   61.5 56.7 60.2 68.0 69.1    
Fee Income (As % Of Revenues) %                   23.1 21.4 18.6 18.6 19.0    
Other Income (As % Of Revenues) %                   15.4 21.9 21.1 13.4 11.9    
Staff Cost (As % Of Total Cost) %                   40.4 39.1 38.8 40.4 43.5    
Equity (As % Of Assets) %                   10.8 10.5 10.6 11.3 11.4    
Equity (As % Of Loans) %                   17.5 17.3 18.5 18.4 17.8    
Loans (As % Of Deposits) %                   96.6 104 107 110 106    
Loans (As % Assets) %                   61.6 60.7 57.5 61.4 64.2    
NPLs (As % Of Loans) %                   5.06 4.13 3.42 2.67 2.31    
Provisions (As % Of NPLs) % ...                 67.9 74.7 78.1 90.0 93.1    
Provisions (As % Of Loans) % ...                 3.56 3.18 2.74 2.46 2.20    
Cost of Provisions (As % Of Loans) % ...                 0.412 0.407 0.161 0.290 0.227    
other data Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
                                 
Branches ...                 171 161 132 130 126    
ATMs ... ... ...       ... ... ... ... ... ... ... ... ... ...
ATMs (As % of Bank Branches) % ... ... ...       ... ... ... ... ... ... ... ... ... ...
Employees                   3,301 3,328 3,289 3,251 3,249    
Employees Per Bank Branch ...                 19.3 20.7 24.9 25.0 25.8    
Cost Per Employee USD per month                   3,513 3,364 3,686 4,115 4,195    
Cost Per Employee (Local Currency) CZK per month                   83,864 84,886 86,501 90,024 94,568    
customer breakdown Unit 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
                                 
Customers mil ... ... ... ... ... ... ... ... ... ... ... ... ... 1.60 ... ...
Number of Mortgages mil ... ... ... ... ... ... ...     0.064 0.068 0.068 0.070 0.079   ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ...     1,282,000 1,352,000 1,393,000 1,451,000 1,444,000   ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ... ... ... ... ... ... 4.92 ... ...
Revenue per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... 13,179 ... ...
Net Profit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... 6,326 ... ...
Loan per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... 275,475 ... ...
Deposit per Customer (Local Currency) CZK ... ... ... ... ... ... ... ... ... ... ... ... ... 259,346 ... ...
Revenue per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... 585 ... ...
Net Profit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... 281 ... ...
Loan per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... 12,178 ... ...
Deposit per Customer USD ... ... ... ... ... ... ... ... ... ... ... ... ... 11,465 ... ...

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UCI CR's mortgage loans rose 11.0% yoy to CZK 150,291 mil in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia's mortgage loans reached CZK 150,291 mil in 2022-06-30, up 3.41% compared to the previous year. Czech banking sector provided mortgage loans of CZK 1,638 bil in 2022-06-30, up 0.673% when compared to the last year. UniCredit...

UCI CR's npls (as % of loans) fell 28.4% yoy to 2.73% in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia's non-performing loans reached 2.73% of total loans at the end of 2022-06-30, down from 3.81% 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 202...

UCI CR's total revenues rose 11.2% yoy to CZK 4,903 mil in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia generated total banking revenues of CZK 4,903 mil in 2022-06-30, down 13.6% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 58,487 mil in 2022-06-30, down 1.22% when com...

UCI CR's customer loans rose 3.74% yoy to CZK 479,837 mil in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia's customer loans reached CZK 479,837 mil in 2022-06-30, up 3.41% compared to the previous year. Czech banking sector provided customer loans of CZK 3,958 bil in 2022-06-30, up 0.834% when compared to the last year. UniCredit...

UCI CR's capital adequacy ratio fell 2.51% yoy to 21.7% in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia's capital adequacy ratio reached 21.7% at the end of second quarter of 2022, down from 21.8% 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 ...

UCI CR's retail deposits fell 0.742% yoy to CZK 189,089 mil in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia's retail deposits reached CZK 189,089 mil in 2022-06-30, up 0.306% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,323 bil in 2022-06-30, up 1.28% when compared to the last year. UniCred...

UCI CR's retail loans rose 10.8% yoy to CZK 162,259 mil in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia's retail loans reached CZK 162,259 mil in the second quarter of 2022, up 3.41% compared to the previous year. Czech banking sector provided retail loans of CZK 2,100 bil in 2Q2022, up 0.878% when compared to the last year. U...

UCI CR's net interest income rose 28.8% yoy to CZK 3,568 mil in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia generated total banking revenues of CZK 4,903 mil in the second quarter of 2022, up 11.2% when compared to the same period of last year and down 13.6% when compared to the previous quarter. Historically, the bank’s r...

UCI CR's costs (as % of assets) rose 9.20% yoy to 0.882% in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia's cost to income ratio reached 41.5% in the second quarter of 2022, up from 35.4% 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 ...

UCI CR's corporate deposits rose 6.37% yoy to CZK 202,299 mil in 2Q2022

By Helgi Analytics - October 4, 2022

UniCredit Bank Czecho-Slovakia's corporate deposits reached CZK 202,299 mil in 2022-06-30, up 3.68% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,323 bil in 2022-06-30, down 0.868% when compared to the last year. ...

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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 7.11% and 9.17% a year on average in the last 10 years. Its loans and deposits have grown by 9.90% and 12.4% a year during that time and loans to deposits ratio reached 103% at the end of 2021. The company achieved an average return on equity of 9.48% in the last decade with net profit growing 19.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 47.2% in 2021, compared to 45.9% average in the last decade.

Equity represented 11.8% of total assets or 16.9% of loans at the end of 2021. UniCredit Bank Czecho-Slovakia's non-performing loans were 2.50% of total loans while provisions covered some 89.6% of NPLs at the end of 2021.