By Helgi Library - 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 ...
By Helgi Library - 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 ...
By Helgi Library - 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...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 46.7 | 45.1 | 46.8 |
| Net Fee Income | EUR mil | 25.0 | 23.1 | 24.0 |
| 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 |
| 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 | |
Get all company financials in excel:
| 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 | |||||||
| valuation | ||||||||||||||||||||
| Book Value Per Share Growth | % | ... | 13.0 | -6.59 | -13.5 | 0.490 | -3.88 |
| 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 |
Get all company financials in excel:
By Helgi Library - 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 previous year. Historically, the NPL ratio hit an all time high of 23.1% in 2017 and an all time low of 0.922% in 2006. Provision c...
By Helgi Library - 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 banking sector accepted customer deposits of EUR 27.5 bil in 2017, up 5.34% when compared to the last year. UniCredit Bank Sloveni...
By Helgi Library - 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 banking sector accepted customer deposits of EUR 27.5 bil in 2017, up 5.34% when compared to the last year. UniCredit Bank Sloveni...
By Helgi Library - 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...
By Helgi Library - 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...
By Helgi Library - 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...
By Helgi Library - 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...
By Helgi Library - 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...
By Helgi Library - 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...
By Helgi Library - 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...
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.
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.
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