UniCredit Bank Slovenia

UCI Slovenia's net profit rose 104% to EUR 36.2 mil in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia made a net profit of EUR 36.2 mil in 2017, up 104% compared to the previous year. This implies a return ...

UCI Slovenia's npls (as % of loans) rose 40.1% to 23.1% in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia's non-performing loans reached 23.1% of total loans at the end of 2017, up from 16.5% compared to the pre...

UCI Slovenia's customer deposits rose 11.3% to EUR 1,951 mil in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia's customer deposits reached EUR 1,951 mil in 2017, up 11.3% compared to the previous year. Slovenian ba...

Profit Statement 2015 2016 2017
Net Interest Income EUR mil 46.7 45.1 46.8
Fee Income (As % Of Revenues) % 30.6 29.6 35.0
Other Income EUR mil 9.86 9.87 -2.14
Total Revenues EUR mil 81.6 78.1 68.7
Staff Cost EUR mil 22.5 24.0 24.4
Operating Profit EUR mil 38.1 35.8 24.7
Provisions EUR mil 197 15.4 -19.1
Net Profit EUR mil 8.72 17.8 36.2
Balance Sheet 2015 2016 2017
Interbank Loans EUR mil 45.5 14.7 41.0
Customer Loans EUR mil 1,756 1,801 1,850
Debt Securities EUR mil 485 453 404
Total Assets EUR mil 2,630 2,643 2,760
Shareholders' Equity EUR mil 270 264 293
Interbank Borrowing EUR mil 386 234 145
Customer Deposits EUR mil 1,818 1,753 1,951
Issued Debt Securities EUR mil 120 20.5 7.08
Ratios 2015 2016 2017
ROE % 3.39 6.66 13.0
ROA % 0.335 0.675 1.34
Costs (As % Of Assets) % 1.67 1.60 1.63
Costs (As % Of Income) % 53.3 54.1 64.1
Capital Adequacy Ratio % 21.1 16.1 18.0
Net Interest Margin % 1.79 1.71 1.73
Loans (As % Of Deposits) % 96.6 103 94.9
NPLs (As % Of Loans) % 15.9 16.5 23.1
Provisions (As % Of NPLs) % 63.4 33.8 15.4
Growth Rates 2015 2016 2017
Total Revenue Growth % 6.62 -4.35 -12.0
Operating Cost Growth % -4.29 -2.82 4.20
Operating Profit Growth % 22.5 -6.09 -31.1
Net Profit Growth % 1,356 104 104
Customer Loan Growth % 0.705 2.59 2.73
Total Asset Growth % 1.97 0.506 4.42
Customer Deposit Growth % 32.9 -3.56 11.3
Shareholders' Equity Growth % 10.8 -2.49 11.1
Employees 600 561 568

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summary Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                      
Net Interest Income EUR mil                         59.9 56.0 48.4 48.6 46.7    
Total Revenues EUR mil                         83.2 79.8 74.4 76.5 81.6    
Operating Profit EUR mil ...                       41.4 38.4 32.2 31.1 38.1    
Net Profit EUR mil                         14.7 1.07 -39.2 0.599 8.72    
balance sheet                                      
Interbank Loans EUR mil                         90.1 85.9 13.2 41.5 45.5    
Customer Loans EUR mil                         2,442 2,376 1,895 1,744 1,756    
Debt Securities EUR mil                         305 288 287 396 485    
Total Assets EUR mil                         2,946 2,815 2,489 2,579 2,630    
Shareholders' Equity EUR mil                         241 252 228 244 270    
Interbank Borrowing EUR mil                         1,569 1,176 863 837 386    
Customer Deposits EUR mil                         957 1,228 1,277 1,369 1,818    
Issued Debt Securities EUR mil                         30.2 44.6 94.7 101 120    
ratios                                      
ROE %                         6.73 0.436 -16.4 0.254 3.39    
ROA %                         0.496 0.037 -1.48 0.024 0.335    
Costs (As % Of Assets) % ...                       1.41 1.44 1.59 1.79 1.67    
Costs (As % Of Income) % ...                       50.2 51.9 56.7 59.3 53.3    
Capital Adequacy Ratio % ... ... ... ... ... ...             11.0 13.5 16.9 19.7 21.1    
Net Interest Margin %                         2.02 1.94 1.82 1.92 1.79    
Interest Income (As % Of Revenues) %                         72.0 70.1 65.0 63.5 57.3    
Fee Income (As % Of Revenues) %                         25.1 27.2 31.5 32.3 30.6    
Staff Cost (As % Of Total Cost) % ...                       54.4 57.8 53.6 49.0 51.8    
Equity (As % Of Assets) %                         8.18 8.94 9.15 9.46 10.3    
Loans (As % Of Deposits) %                         255 194 148 127 96.6    
Loans (As % Assets) %                         82.9 84.4 76.2 67.6 66.8    
NPLs (As % Of Loans) % ... ... ... ... ... ... ...           8.67 9.86 17.1 17.5 15.9    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ...           39.0 43.6 46.2 56.9 63.4    
income statement Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
income statement                                      
Interest Income EUR mil                         128 108 90.3 82.3 71.9    
Interest Cost EUR mil                         68.2 51.7 41.9 33.7 25.2    
Net Interest Income EUR mil                         59.9 56.0 48.4 48.6 46.7    
Net Fee Income EUR mil                         20.9 21.7 23.5 24.7 25.0    
Other Income EUR mil                         2.43 2.13 2.58 3.19 9.86    
Total Revenues EUR mil                         83.2 79.8 74.4 76.5 81.6    
Staff Cost EUR mil ...                       22.8 23.9 22.6 22.3 22.5    
Depreciation EUR mil                         5.24 4.59 5.05 5.11 5.69    
Other Cost EUR mil ...                       13.8 12.9 14.5 18.0 15.3    
Operating Cost EUR mil ...                       41.8 41.4 42.2 45.4 43.5    
Operating Profit EUR mil ...                       41.4 38.4 32.2 31.1 38.1    
Provisions EUR mil                         23.9 35.5 79.6 30.5 197    
Extra and Other Cost EUR mil ...                       -0.491 2.51 0 < -0.001 0    
Pre-Tax Profit EUR mil                         18.0 0.310 -47.4 0.613 10.2    
Tax EUR mil                         3.26 -0.763 -8.19 0.014 1.45    
Minorities EUR mil                         0 0 0 0 0    
Net Profit EUR mil                         14.7 1.07 -39.2 0.599 8.72    
growth rates                                      
Net Interest Income Growth % ...                       13.0 -6.59 -13.5 0.490 -3.88    
Net Fee Income Growth % ...                       11.3 4.02 8.11 5.46 1.13    
Total Revenue Growth % ...                       12.4 -4.10 -6.73 2.86 6.62    
Operating Cost Growth % ... ...                     6.95 -0.911 1.92 7.58 -4.29    
Operating Profit Growth % ... ...                     18.5 -7.32 -16.1 -3.33 22.5    
Pre-Tax Profit Growth % ...                       13.8 -98.3 -15,388 -101 1,559    
Net Profit Growth % ...                       12.1 -92.7 -3,753 -102 1,356    
market share                                      
Market Share in Revenues %                         5.75 5.10 6.82 6.22 7.05    
Market Share in Net Profit % ... ... ...                 ... ... ... ... ... 7.58    
Market Share in Employees % ... ... ... ... ... ...             5.16 5.23 5.13 5.27 5.74    
Market Share in Branches % ... ... ... ... ... ... ... ...         4.08 4.17 4.60 4.73 4.75    
balance sheet Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
balance sheet                                      
Cash EUR mil                         62.8 27.8 246 350 273    
Interbank Loans EUR mil                         90.1 85.9 13.2 41.5 45.5    
Customer Loans EUR mil                         2,442 2,376 1,895 1,744 1,756    
Retail Loans EUR mil                         840 802 757 720 725    
Corporate Loans EUR mil                         1,602 1,574 1,138 1,023 1,031    
Debt Securities EUR mil                         305 288 287 396 485    
Fixed Assets EUR mil                         30.0 30.0 28.6 26.1 28.7    
Total Assets EUR mil                         2,946 2,815 2,489 2,579 2,630    
Shareholders' Equity EUR mil                         241 252 228 244 270    
Of Which Minority Interest EUR mil                         0 0 0 0 0    
Liabilities EUR mil                         2,705 2,564 2,261 2,335 2,359    
Interbank Borrowing EUR mil                         1,569 1,176 863 837 386    
Customer Deposits EUR mil                         957 1,228 1,277 1,369 1,818    
Retail Deposits EUR mil ... ... ... ... ... ... ...           335 500 492 516 548    
Corporate Deposits EUR mil ... ... ... ... ... ... ...           622 728 784 853 1,270    
Sight Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 586 716 973    
Term Deposits EUR mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 691 653 846    
Issued Debt Securities EUR mil                         30.2 44.6 94.7 101 120    
Other Liabilities EUR mil                         149 116 26.5 28.3 35.5    
asset quality                                      
Non-Performing Loans EUR mil ... ... ... ... ... ... ...           219 245 352 340 310    
Gross Loans EUR mil ...                       2,527 2,483 2,058 1,937 1,953    
Total Provisions EUR mil ...                       85.5 107 163 193 197    
growth rates                                      
Customer Loan Growth % ...                       2.99 -2.69 -20.2 -8.01 0.705    
Retail Loan Growth % ...                       1.28 -4.56 -5.53 -4.91 0.696    
Corporate Loan Growth % ...                       3.91 -1.71 -27.7 -10.1 0.711    
Total Asset Growth % ...                       -1.70 -4.42 -11.6 3.62 1.97    
Shareholders' Equity Growth % ...                       22.2 4.46 -9.50 7.15 10.8    
Customer Deposit Growth % ...                       22.3 28.3 3.99 7.18 32.9    
Retail Deposit Growth % ... ... ... ... ... ... ... ...         13.0 49.3 -1.53 4.79 6.30    
Corporate Deposit Growth % ... ... ... ... ... ... ... ...         27.9 17.0 7.79 8.68 48.9    
market share                                      
Market Share in Customer Loans %                         7.37 7.67 7.79 8.09 8.66    
Market Share in Corporate Loans %                         8.74 9.58 9.89 11.1 12.6    
Market Share in Consumer Loans %                         9.27 9.06 8.95 8.65 8.61    
Market Share in Total Assets % ... ... ...                   5.98 6.10 6.17 6.66 7.03    
Market Share in Customer Deposits %                         3.89 5.15 5.66 5.60 7.23    
Market Share in Retail Deposits % ... ... ... ... ... ... ...           2.25 3.37 3.43 3.42 3.52    
Market Share in Corporate Deposits % ... ... ... ... ... ... ... ... ...       15.4 19.8 18.7 18.2 27.3    
ratios Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
ratios                                      
ROE %                         6.73 0.436 -16.4 0.254 3.39    
ROA %                         0.496 0.037 -1.48 0.024 0.335    
Costs (As % Of Assets) % ...                       1.41 1.44 1.59 1.79 1.67    
Costs (As % Of Income) % ...                       50.2 51.9 56.7 59.3 53.3    
Capital Adequacy Ratio % ... ... ... ... ... ...             11.0 13.5 16.9 19.7 21.1    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 17.5 19.5    
Net Interest Margin %                         2.02 1.94 1.82 1.92 1.79    
Interest Spread % ...                       1.83 1.78 1.67 1.78 1.69    
Asset Yield %                         4.31 3.74 3.40 3.25 2.76    
Cost Of Liabilities % ...                       2.48 1.96 1.74 1.47 1.07    
Interest Income (As % Of Revenues) %                         72.0 70.1 65.0 63.5 57.3    
Fee Income (As % Of Revenues) %                         25.1 27.2 31.5 32.3 30.6    
Other Income (As % Of Revenues) %                         2.92 2.66 3.46 4.16 12.1    
Cost Per Employee USD per month ... ... ... ... ... ...             4,329 4,260 4,348 4,247 3,585    
Cost Per Employee (Local Currency) EUR per month ... ... ... ... ... ...             3,114 3,318 3,275 3,295 3,127    
Staff Cost (As % Of Total Cost) % ...                       54.4 57.8 53.6 49.0 51.8    
Equity (As % Of Assets) %                         8.18 8.94 9.15 9.46 10.3    
Loans (As % Of Deposits) %                         255 194 148 127 96.6    
Loans (As % Assets) %                         82.9 84.4 76.2 67.6 66.8    
NPLs (As % Of Loans) % ... ... ... ... ... ... ...           8.67 9.86 17.1 17.5 15.9    
Provisions (As % Of NPLs) % ... ... ... ... ... ... ...           39.0 43.6 46.2 56.9 63.4    
Provisions (As % Of Loans) % ...                       3.50 4.49 8.59 11.1 11.2    
Cost of Provisions (As % Of Loans) %                         0.993 1.48 3.73 1.68 11.2    
other data Unit 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                                      
Branches ... ... ... ... ... ... ... ...         28.0 29.0 29.0 28.0 28.0    
Employees ... ... ... ... ... ...             609 601 576 563 600    
Sight (As % Of Customer Deposits) % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 45.9 52.3 53.5    

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UCI Slovenia's corporate deposits rose 16.1% to EUR 1,361 mil in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia's corporate deposits reached EUR 1,361 mil in 2017, up 16.1% compared to the previous year. Slovenian banking sector accepted corporate deposits of EUR 6.37 bil in 2017, up 38.5% when compared to the last year. UniCredit Bank Slove...

UCI Slovenia's retail deposits rose 1.43% to EUR 590 mil in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia's retail deposits reached EUR 590 mil in 2017, up 1.43% compared to the previous year. Slovenian banking sector accepted retail deposits of EUR 17.5 bil in 2017, up 5.65% when compared to the last year. UniCredit Bank Slovenia acco...

UCI Slovenia's net interest margin rose 1.33% to 1.73% in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia's net interest margin amounted to 1.73% in 2017, up from 1.71% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.95% in 2000 and an all time low of 1.27% in 2009. The averag...

UCI Slovenia's employees rose 1.25% to 568 in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia employed 568 persons in 2017, up 1.25% when compared to the previous year. Historically, the bank's workforce hit an all time high of 609 persons in 2011 and an all time low of 451 in 2007. Average cost reached USD 4,023 per month per empl...

UCI Slovenia's total revenues fell 12.0% to EUR 68.7 mil in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia generated total banking revenues of EUR 68.7 mil in 2017, down 12.0% compared to the previous year. Slovenian banking sector banking sector generated total revenues of EUR 1,074 mil in 2017, down 4.70% when compared to the last...

UCI Slovenia's customer loans rose 2.73% to EUR 1,850 mil in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia's customer loans reached EUR 1,850 mil in 2017, up 2.73% compared to the previous year. Slovenian banking sector provided customer loans of EUR 21.5 bil in 2017, up 4.82% when compared to the last year. UniCredit Bank Slovenia acco...

UCI Slovenia's costs (as % of assets) rose 1.69% to 1.63% in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia's cost to income ratio reached 64.1% in 2017, up from 54.1% compared to the previous year. Historically, the bank’s costs reached an all time high of 64.1% of income in 2017 and an all time low of 50.2% in 2011. When compared to tot...

UCI Slovenia's corporate loans rose 3.99% to EUR 1,113 mil in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia's corporate loans reached EUR 1,113 mil in 2017, up 3.99% compared to the previous year. Slovenian banking sector provided corporate loans of EUR 8.29 bil in 2017, up 2.22% when compared to the last year. UniCredit Bank Slovenia ac...

UCI Slovenia's net interest income rose 3.83% to EUR 46.8 mil in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia generated total banking revenues of EUR 68.7 mil in 2017, down 12% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 83.2 mil in 201...

UCI Slovenia's customer loan growth rose 5.64% to 2.73% in 2017

By Helgi Analytics - September 21, 2018

UniCredit Bank Slovenia's customer loan growth reached 2.73% in 2017, up from 2.59% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 46.0% in 2004 and an all time low of -20.2% in 2013. In the last decade, t...

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UniCredit Bank Slovenia is a Slovenia-based subsidiary of the UniCredit Group. The Bank offers its financial products and services to private customers, small and medium size enterprises, and large corporates. The Bank's deposit products include fixed deposits, fixed foreign exchange deposits, current accounts, and savings accounts. The Bank’s loan portfolio primarily comprises personal, mortgage, housing, investment, short-term, subsidized, refinanced investment, and real estate project financing loans, as well as overdrafts, trade finance, and credit guarantees. At the end of 2013, the Bank had some 29 branches units and employed 576 persons. The Bank is headquartered in Ljubljana, Slovenia. It is a subsidiary of Bank Austria AG.

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Finance

UniCredit Bank Slovenia has been growing its revenues and asset by 2.62% and 2.61% a year on average in the last 10 years. Its loans and deposits have grown by 1.50% and 10.5% a year during that time and loans to deposits ratio reached 94.9% at the end of 2017. The company achieved an average return on equity of 3.70% in the last decade with net profit growing 9.09% a year on average. In terms of operating efficiency, its cost to income ratio reached 64.1% in 2017, compared to 56.4% average in the last decade.

Equity represented 10.6% of total assets or 15.8% of loans at the end of 2017. UniCredit Bank Slovenia's non-performing loans were 23.1% of total loans while provisions covered some 15.4% of NPLs at the end of 2017.