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UniCredit Bank Czecho-Slovakia

UCI CR's net profit rose 30.9% yoy to CZK 2,755 mil in 3Q2023

By Helgi Library - November 15, 2023

UniCredit Bank Czecho-Slovakia made a net profit of CZK 2,755 mil under revenues of CZK 5,215 mil in the third quarter of 2023, up 30...

UCI CR's mortgage loans rose 8.42% yoy to CZK 163,208 mil in 3Q2023

By Helgi Library - November 15, 2023

UniCredit Bank Czecho-Slovakia's mortgage loans reached CZK 163,208 mil in 3Q2023, up 3.49% compared to the previous year. Czec...

UCI CR's npls (as % of loans) fell 32.9% yoy to 1.78% in 3Q2023

By Helgi Library - November 15, 2023

UniCredit Bank Czecho-Slovakia's non-performing loans reached 1.78% of total loans at the end of 2023-09-30, down from 2.66% comp...

Annual Quarterly LTM
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 2005 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    
valuation                                    
Book Value Per Share Growth % ... ...                   -0.879 10.6 26.9 2.44 -17.1    
income statement Unit 2005 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 2005 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 2005 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 2005 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 86,500 90,024 94,568 91,176    
customer breakdown Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
                                     
Customers mil                       0.620 0.642 0.700 0.750 0.800    
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) % ... ... ... ... ... ... ... ...       10.9 10.7 10.0 10.5 11.0 ... ...
Revenue per Customer (Local Currency) CZK ...                     28,834 28,996 29,906 28,115 22,598    
Net Profit per Customer (Local Currency) CZK ...                     9,750 11,875 12,796 13,496 6,646    
Loan per Customer (Local Currency) CZK ...                     621,890 602,104 588,623 587,680 576,845    
Deposit per Customer (Local Currency) CZK ...                     598,650 561,308 535,350 553,271 531,434    
Revenue per Customer USD ...                     1,143 1,236 1,367 1,247 1,027    
Net Profit per Customer USD ...                     386 506 585 599 302    
Loan per Customer USD ...                     24,256 28,280 26,201 25,979 26,972    
Deposit per Customer USD ...                     23,349 26,364 23,829 24,458 24,848    

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UCI CR's net profit rose 30.9% yoy to CZK 2,755 mil in 3Q2023

By Helgi Library - November 15, 2023

UniCredit Bank Czecho-Slovakia made a net profit of CZK 2,755 mil in the third quarter of 2023, up 30.9% when compared to the same period of last year. This implies a return on equity of 14.4%. Historically, the bank’s net profit reached an all time high of CZK 3...

UniCredit Bank Czecho-Slovakia - Market Share in Bank Deposits

By Helgi Library - November 15, 2023

UniCredit Bank Czecho-Slovakia's customer deposits reached CZK 702,888 mil in 2023-06-30, down 6.27% compared to the previous year. Czech banking sector accepted customer deposits of CZK 6,832 bil in 2023-06-30, up 3.12% when compared to the last year. Un...

UniCredit Bank Czecho-Slovakia - Market Share in Bank Loans

By Helgi Library - September 30, 2023

UniCredit Bank Czecho-Slovakia's customer loans reached CZK 512,685 mil in 2023-06-30, up 2.19% compared to the previous year. Czech banking sector provided customer loans of CZK 4,206 in 2023-06-30, up 2.15% when compared to the last year. UniCredit Bank...

UCI CR's total revenues rose 7.36% yoy to CZK 5,264 mil in 2Q2023

By Helgi Library - September 30, 2023

UniCredit Bank Czecho-Slovakia generated total banking revenues of CZK 5,264 mil in 2023-06-30, down 6.24% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 67,123 mil in 2023-06-30, up 20.3% when compa...

UCI CR's capital adequacy ratio rose 4.80% yoy to 23.8% in 3Q2023

By Helgi Library - November 15, 2023

UniCredit Bank Czecho-Slovakia's capital adequacy ratio reached 23.8% at the end of third quarter of 2023, up from 22.8% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 23.8% in 3Q2023 and an all time low of 14....

UniCredit Bank Czecho-Slovakia - Market Share in Retail Loans

By Helgi Library - September 30, 2023

UniCredit Bank Czecho-Slovakia's retail loans reached CZK 171,460 mil in the second quarter of 2023, up 2.59% compared to the previous year. Czech banking sector provided retail loans of CZK 2,203 bil in 2Q2023, up 2.19% when compared to the last year. Un...

UniCredit Bank Czecho-Slovakia - Market Share in Retail Deposits

By Helgi Library - September 30, 2023

UniCredit Bank Czecho-Slovakia's retail deposits reached CZK 219,587 mil in 2023-06-30, up 4.28% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,513 bil in 2023-06-30, up 1.93% when compared to the last year. UniCredi...

UCI CR's costs (as % of assets) fell 11.8% yoy to 0.728% in 3Q2023

By Helgi Library - November 15, 2023

UniCredit Bank Czecho-Slovakia's cost to income ratio reached 36.2% in the third quarter of 2023, up from 32.3% when compared to the previous quarter. Historically, the bank’s costs reached an all time high of 65.2% of income in 1Q2016 and an all time low of ...

UCI CR's corporate loans rose 5.77% yoy to CZK 264,535 mil in 3Q2023

By Helgi Library - November 15, 2023

UniCredit Bank Czecho-Slovakia's loans reached CZK 541,107 mil in the third quarter of 2023, up from CZK 524,008 mil when compared to the previous quarter and up from CZK 492,778 mil when compared to the same period of last year. Historically, the ban...

UniCredit Bank Czecho-Slovakia - Market Share in Corporate Deposits

By Helgi Library - September 30, 2023

UniCredit Bank Czecho-Slovakia's corporate deposits reached CZK 235,986 mil in 2023-06-30, up 10.4% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,503 bil in 2023-06-30, up 2.53% when compared to the last year. Un...

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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 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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