By Helgi Library - July 16, 2018
UniCredit Slovakia generated total banking revenues of EUR 174 mil in 2017, up 30.7% compared to the previous year. Slovak...
By Helgi Library - May 27, 2018
UniCredit Slovakia made a net profit of EUR 53.3 mil in 2017, up 6,454% compared to the previous year. This implies a return on ...
By Helgi Library - December 12, 2019
UniCredit Slovakia's customer loans reached EUR 4,711 mil in 2017, up 0.430% compared to the previous year. Slovak banking sect...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | ... | 101 | 110 |
| Net Fee Income | EUR mil | ... | 32.0 | 64.6 |
| Other Income | EUR mil | ... | 0 | 0 |
| Total Revenues | EUR mil | ... | 133 | 174 |
| Staff Cost | EUR mil | ... | ... | ... |
| Operating Profit | EUR mil | ... | 45.0 | 83.3 |
| Provisions | EUR mil | ... | 34.1 | 19.1 |
| Net Profit | EUR mil | ... | 0.813 | 53.3 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | ... | ... | ... |
| Customer Loans | EUR mil | 3,933 | 4,691 | 4,711 |
| Total Assets | EUR mil | ... | 5,176 | 5,088 |
| Shareholders' Equity | EUR mil | ... | 994 | 820 |
| Interbank Borrowing | EUR mil | ... | ... | ... |
| Customer Deposits | EUR mil | 2,994 | 2,899 | 2,739 |
| Issued Debt Securities | EUR mil | ... | ... | ... |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | ... | 0.082 | 5.87 |
| ROA | % | ... | 0.016 | 1.04 |
| Costs (As % Of Assets) | % | ... | 1.71 | 1.77 |
| Costs (As % Of Income) | % | ... | 66.3 | 52.2 |
| Capital Adequacy Ratio | % | ... | ... | ... |
| Net Interest Margin | % | ... | 1.96 | 2.14 |
| Loans (As % Of Deposits) | % | 131 | 162 | 172 |
| NPLs (As % Of Loans) | % | ... | ... | ... |
| Provisions (As % Of NPLs) | % | ... | ... | ... |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | ... | ... | 30.7 |
| Operating Cost Growth | % | ... | ... | 2.83 |
| Operating Profit Growth | % | ... | ... | 85.3 |
| Net Profit Growth | % | ... | ... | 6,454 |
| Customer Loan Growth | % | 19.8 | 19.3 | 0.429 |
| Total Asset Growth | % | ... | ... | -1.72 |
| Customer Deposit Growth | % | 10.8 | -3.18 | -5.50 |
| Shareholders' Equity Growth | % | ... | ... | -17.5 |
| Employees | ... | ... | ... | |
Get all company financials in excel:
| summary | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||
| Net Interest Income | EUR mil | 86.0 | 75.5 | ... | ... | ... | ||||||||||
| Total Revenues | EUR mil | 123 | 118 | ... | ... | ... | ||||||||||
| Operating Profit | EUR mil | 50.5 | 31.6 | ... | ... | ... | ||||||||||
| Net Profit | EUR mil | 31.8 | 15.6 | ... | ... | ... | ||||||||||
| balance sheet | ||||||||||||||||
| Interbank Loans | EUR mil | 1.79 | 3.18 | ... | ... | ... | ... | ... | ||||||||
| Customer Loans | EUR mil | 3,027 | 2,976 | 3,256 | 3,282 | 3,933 | ||||||||||
| Debt Securities | EUR mil | 566 | 620 | ... | ... | ... | ... | ... | ||||||||
| Total Assets | EUR mil | 3,851 | 4,027 | ... | ... | ... | ||||||||||
| Shareholders' Equity | EUR mil | 428 | 451 | ... | ... | ... | ||||||||||
| Interbank Borrowing | EUR mil | 832 | 607 | ... | ... | ... | ... | ... | ||||||||
| Customer Deposits | EUR mil | 2,390 | 2,750 | 2,720 | 2,703 | 2,994 | ||||||||||
| Issued Debt Securities | EUR mil | 116 | 109 | ... | ... | ... | ... | ... | ||||||||
| ratios | ||||||||||||||||
| ROE | % | 7.47 | 3.55 | ... | ... | ... | ||||||||||
| ROA | % | 0.787 | 0.396 | ... | ... | ... | ||||||||||
| Costs (As % Of Assets) | % | 1.80 | 2.20 | ... | ... | ... | ||||||||||
| Costs (As % Of Income) | % | 58.9 | 73.2 | ... | ... | ... | ||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 13.2 | 14.0 | ... | ... | ... | ... | ... | |||||
| Net Interest Margin | % | 2.13 | 1.92 | ... | ... | ... | ||||||||||
| Interest Income (As % Of Revenues) | % | 69.9 | 63.9 | ... | ... | ... | ||||||||||
| Fee Income (As % Of Revenues) | % | 23.3 | 27.7 | ... | ... | ... | ||||||||||
| Staff Cost (As % Of Total Cost) | % | 42.9 | 35.8 | ... | ... | ... | ... | ... | ||||||||
| Equity (As % Of Assets) | % | 11.1 | 11.2 | ... | ... | ... | ||||||||||
| Loans (As % Of Deposits) | % | 127 | 108 | 120 | 121 | 131 | ||||||||||
| Loans (As % Assets) | % | 78.6 | 73.9 | ... | ... | ... | ||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 7.05 | 11.4 | ... | ... | ... | ... | ... | |||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 33.6 | 18.1 | ... | ... | ... | ... | ... |
| income statement | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||
| Interest Income | EUR mil | 134 | 124 | ... | ... | ... | ... | ... | ||||||||
| Interest Cost | EUR mil | 48.4 | 48.6 | ... | ... | ... | ... | ... | ||||||||
| Net Interest Income | EUR mil | 86.0 | 75.5 | ... | ... | ... | ||||||||||
| Net Fee Income | EUR mil | 28.7 | 32.8 | ... | ... | ... | ||||||||||
| Other Income | EUR mil | 8.35 | 9.89 | ... | ... | ... | ||||||||||
| Total Revenues | EUR mil | 123 | 118 | ... | ... | ... | ||||||||||
| Staff Cost | EUR mil | 31.1 | 30.9 | ... | ... | ... | ... | ... | ||||||||
| Depreciation | EUR mil | 8.84 | 8.40 | ... | ... | ... | ||||||||||
| Other Cost | EUR mil | 32.6 | 47.2 | ... | ... | ... | ... | ... | ||||||||
| Operating Cost | EUR mil | 72.5 | 86.5 | ... | ... | ... | ||||||||||
| Operating Profit | EUR mil | 50.5 | 31.6 | ... | ... | ... | ||||||||||
| Provisions | EUR mil | 11.7 | 14.7 | ... | ... | ... | ||||||||||
| Extra and Other Cost | EUR mil | 0 | 0.450 | ... | ... | ... | ||||||||||
| Pre-Tax Profit | EUR mil | 38.8 | 16.5 | ... | ... | ... | ||||||||||
| Tax | EUR mil | 7.03 | 0.916 | ... | ... | ... | ||||||||||
| Minorities | EUR mil | 0 | 0 | ... | ... | ... | ||||||||||
| Net Profit | EUR mil | 31.8 | 15.6 | ... | ... | ... | ||||||||||
| growth rates | ||||||||||||||||
| Net Interest Income Growth | % | ... | 16.6 | -12.2 | ... | ... | ... | ... | ||||||||
| Net Fee Income Growth | % | ... | 2.47 | 14.1 | ... | ... | ... | ... | ||||||||
| Total Revenue Growth | % | ... | 12.3 | -3.97 | ... | ... | ... | ... | ||||||||
| Operating Cost Growth | % | ... | -0.649 | 19.3 | ... | ... | ... | ... | ||||||||
| Operating Profit Growth | % | ... | 38.1 | -37.4 | ... | ... | ... | ... | ||||||||
| Pre-Tax Profit Growth | % | ... | 167 | -57.4 | ... | ... | ... | ... | ||||||||
| Net Profit Growth | % | ... | 176 | -50.9 | ... | ... | ... | ... | ||||||||
| market share | ||||||||||||||||
| Market Share in Revenues | % | 5.03 | 5.63 | ... | ... | ... | ||||||||||
| Market Share in Net Profit | % | 4.71 | 3.25 | ... | ... | ... | ||||||||||
| Market Share in Employees | % | 6.41 | 6.27 | ... | ... | ... | ... | ... | ||||||||
| Market Share in Branches | % | 7.16 | 6.88 | ... | ... | ... | ... | ... |
| balance sheet | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||||
| Cash | EUR mil | 191 | 367 | ... | ... | ... | ... | ... | ||||||||
| Interbank Loans | EUR mil | 1.79 | 3.18 | ... | ... | ... | ... | ... | ||||||||
| Customer Loans | EUR mil | 3,027 | 2,976 | 3,256 | 3,282 | 3,933 | ||||||||||
| Retail Loans | EUR mil | ... | ... | ... | 637 | 792 | ... | ... | ... | ... | ... | |||||
| Corporate Loans | EUR mil | ... | ... | ... | 2,390 | 2,184 | ... | ... | ... | ... | ... | |||||
| Debt Securities | EUR mil | 566 | 620 | ... | ... | ... | ... | ... | ||||||||
| Fixed Assets | EUR mil | 43.5 | 38.5 | ... | ... | ... | ... | ... | ||||||||
| Total Assets | EUR mil | 3,851 | 4,027 | ... | ... | ... | ||||||||||
| Shareholders' Equity | EUR mil | 428 | 451 | ... | ... | ... | ||||||||||
| Of Which Minority Interest | EUR mil | 0 | 0 | ... | ... | ... | ... | ... | ||||||||
| Liabilities | EUR mil | 3,422 | 3,577 | ... | ... | ... | ||||||||||
| Interbank Borrowing | EUR mil | 832 | 607 | ... | ... | ... | ... | ... | ||||||||
| Customer Deposits | EUR mil | 2,390 | 2,750 | 2,720 | 2,703 | 2,994 | ||||||||||
| Issued Debt Securities | EUR mil | 116 | 109 | ... | ... | ... | ... | ... | ||||||||
| Other Liabilities | EUR mil | 84.7 | 111 | ... | ... | ... | ... | ... | ||||||||
| asset quality | ||||||||||||||||
| Non-Performing Loans | EUR mil | ... | ... | ... | 219 | 345 | ... | ... | ... | ... | ... | |||||
| Gross Loans | EUR mil | 3,101 | 3,039 | ... | ... | ... | ... | ... | ||||||||
| Total Provisions | EUR mil | 73.5 | 62.5 | ... | ... | ... | ... | ... | ||||||||
| growth rates | ||||||||||||||||
| Customer Loan Growth | % | ... | 5.80 | -1.67 | 9.39 | 0.791 | 19.8 | |||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | 16.5 | 24.4 | ... | ... | ... | ... | ... | ||||
| Corporate Loan Growth | % | ... | ... | ... | ... | 3.27 | -8.63 | ... | ... | ... | ... | ... | ||||
| Total Asset Growth | % | ... | -8.78 | 4.57 | ... | ... | ... | ... | ||||||||
| Shareholders' Equity Growth | % | ... | 1.64 | 5.14 | ... | ... | ... | ... | ||||||||
| Customer Deposit Growth | % | ... | -19.0 | 15.1 | -1.09 | -0.629 | 10.8 | |||||||||
| market share | ||||||||||||||||
| Market Share in Customer Loans | % | 8.31 | 8.02 | 8.31 | 7.86 | 8.65 | ||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | 15.4 | 14.6 | ... | ... | ... | ... | ... | |||||
| Market Share in Consumer Loans | % | ... | ... | ... | 3.70 | 4.22 | ... | ... | ... | ... | ... | |||||
| Market Share in Total Assets | % | 6.53 | 6.74 | ... | ... | ... | ||||||||||
| Market Share in Customer Deposits | % | 5.96 | 6.49 | 6.14 | 5.87 | 5.93 |
| ratios | Unit | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||
| ROE | % | 7.47 | 3.55 | ... | ... | ... | ||||||||||
| ROA | % | 0.787 | 0.396 | ... | ... | ... | ||||||||||
| Costs (As % Of Assets) | % | 1.80 | 2.20 | ... | ... | ... | ||||||||||
| Costs (As % Of Income) | % | 58.9 | 73.2 | ... | ... | ... | ||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 13.2 | 14.0 | ... | ... | ... | ... | ... | |||||
| Tier 1 Ratio | % | ... | ... | ... | 13.4 | 14.0 | ... | ... | ... | ... | ... | |||||
| Net Interest Margin | % | 2.13 | 1.92 | ... | ... | ... | ||||||||||
| Interest Spread | % | ... | 1.99 | 1.76 | ... | ... | ... | ... | ... | |||||||
| Asset Yield | % | 3.33 | 3.15 | ... | ... | ... | ... | |||||||||
| Cost Of Liabilities | % | ... | 1.34 | 1.39 | ... | ... | ... | ... | ... | |||||||
| Interest Income (As % Of Revenues) | % | 69.9 | 63.9 | ... | ... | ... | ||||||||||
| Fee Income (As % Of Revenues) | % | 23.3 | 27.7 | ... | ... | ... | ||||||||||
| Other Income (As % Of Revenues) | % | 6.79 | 8.37 | ... | ... | ... | ||||||||||
| Cost Per Employee | USD per month | 3,048 | 2,832 | ... | ... | ... | ... | ... | ||||||||
| Cost Per Employee (Local Currency) | EUR per month | 2,192 | 2,206 | ... | ... | ... | ... | ... | ||||||||
| Staff Cost (As % Of Total Cost) | % | 42.9 | 35.8 | ... | ... | ... | ... | ... | ||||||||
| Equity (As % Of Assets) | % | 11.1 | 11.2 | ... | ... | ... | ||||||||||
| Loans (As % Of Deposits) | % | 127 | 108 | 120 | 121 | 131 | ||||||||||
| Loans (As % Assets) | % | 78.6 | 73.9 | ... | ... | ... | ||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | 7.05 | 11.4 | ... | ... | ... | ... | ... | |||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | 33.6 | 18.1 | ... | ... | ... | ... | ... | |||||
| Provisions (As % Of Loans) | % | 2.43 | 2.10 | ... | ... | ... | ... | ... | ||||||||
| Cost of Provisions (As % Of Loans) | % | 0.399 | 0.488 | ... | ... | ... |
Get all company financials in excel:
By Helgi Library - December 12, 2019
UniCredit Slovakia's customer deposits reached EUR 2,739 mil in 2017, down 5.50% compared to the previous year. Slovak banking sector accepted customer deposits of EUR 55.7 bil in 2017, up 5.33% when compared to the last year. UniCredit Slovakia accounted...
By Helgi Library - May 27, 2018
UniCredit Slovakia generated total banking revenues of EUR 174 mil in 2017, up 30.7% 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 174 mil in 2017 and a...
By Helgi Library - May 27, 2018
UniCredit Slovakia's customer loan growth reached 0.429% in 2017, down from 19.3% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 229% in 2007 and an all time low of -1.67% in 2012. In the last decade, the ...
By Helgi Library - May 27, 2018
UniCredit Slovakia's non-performing loans reached 11.4% of total loans at the end of 2012, up from 7.05% compared to the previous year. Historically, the NPL ratio hit an all time high of 11.4% in 2012 and an all time low of 2.67% in 2007. Provision coverag...
By Helgi Library - May 27, 2018
UniCredit Slovakia's cost to income ratio reached 73.2% in 2012, up from 58.9% compared to the previous year. Historically, the bank’s costs reached an all time high of 111% of income in 2005 and an all time low of 40.8% in 2003. When compared to total ass...
By Helgi Library - May 27, 2018
UniCredit Slovakia's net interest margin amounted to 1.92% in 2012, down from 2.13% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.41% in 2006 and an all time low of 1.78% in 2005. The average m...
By Helgi Library - May 27, 2018
UniCredit Slovakia employed 1,169 persons in 2012, down 1.10% when compared to the previous year. Historically, the bank's workforce hit an all time high of 1,298 persons in 2008 and an all time low of 968 in 2006. Average cost reached USD 2,832 per month per emp...
By Helgi Library - May 27, 2018
UniCredit Slovakia's capital adequacy ratio reached 14.0% at the end of 2012, up from 13.2% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 15.7% in 2007 and an all time low of 11.8% in 2006. The Tier 1 ratio amou...
By Helgi Library - May 27, 2018
UniCredit Slovakia's corporate loans reached EUR 2,184 mil in 2012, down 8.63% compared to the previous year. Slovak banking sector provided corporate loans of EUR 15.0 bil in 2012, down 3.64% when compared to the last year. UniCredit Slovakia accounted f...
UniCredit Slovakia has been growing its revenues and asset by 8.08% and 4.79% a year on average in the last 5 years. Its loans and deposits have grown by 9.62% and -0.079% a year during that time and loans to deposits ratio reached 172% at the end of 2017. The company achieved an average return on equity of 2.98% in the last five years with net profit growing 27.8% a year on average. In terms of operating efficiency, its cost to income ratio reached 52.2% in 2017, compared to 59.2% average in the last five years.
Equity represented 16.1% of total assets or 17.4% of loans at the end of 2017. UniCredit Slovakia's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2017.
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