UniCredit Slovakia

UniCredit Slovakia's total revenues rose 30.7% to EUR 174 mil in 2017

By Helgi Analytics - November 05, 2019

UniCredit Slovakia generated total banking revenues of EUR 174 mil in 2017, up 30.7% compared to the previous year. Slovak...

UniCredit Slovakia's net profit rose 6,454% to EUR 53.3 mil in 2017

By Helgi Analytics - November 05, 2019

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 ...

UniCredit Slovakia's customer loans rose 0.430% to EUR 4,711 mil in 2017

By Helgi Analytics - November 05, 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
Fee Income (As % Of Revenues) % ... 24.0 37.1
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
Debt Securities EUR mil ... ... ...
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 ... ... ...

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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 ... ... ...    
other data Unit 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
other data                              
Branches                 74.0 73.0 ... ... ... ... ...
Employees                 1,182 1,169 ... ... ... ... ...

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UniCredit Slovakia's customer deposits fell 5.50% to EUR 2,739 mil in 2017

By Helgi Analytics - November 05, 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...

UniCredit Slovakia's net interest income rose 8.25% to EUR 110 mil in 2017

By Helgi Analytics - November 05, 2019

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...

UniCredit Slovakia's customer loan growth fell 97.8% to 0.429% in 2017

By Helgi Analytics - November 05, 2019

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 ...

UniCredit Slovakia's npls (as % of loans) rose 61.0% to 11.4% in 2012

By Helgi Analytics - November 05, 2019

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...

UniCredit Slovakia's costs (as % of assets) rose 3.72% to 2.20% in 2017

By Helgi Analytics - November 05, 2019

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...

UniCredit Slovakia's net interest margin rose 9.19% to 1.92% in 2017

By Helgi Analytics - November 05, 2019

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...

UniCredit Slovakia's employees fell 1.10% to 1,169 in 2012

By Helgi Analytics - November 05, 2019

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...

UniCredit Slovakia's capital adequacy ratio rose 5.75% to 14.0% in 2012

By Helgi Analytics - November 05, 2019

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...

UniCredit Slovakia's corporate loans fell 8.63% to EUR 2,184 mil in 2012

By Helgi Analytics - November 05, 2019

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...

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Finance

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.