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 - 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 ...
| 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 | ... | ... | ... | ... | ... | |||||
| valuation | ||||||||||||||||
| Book Value Per Share Growth | % | ... | 16.6 | -12.2 | ... | ... | ... | ... |
| 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 - 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 equity of 5.87%. Historically, the bank’s net profit reached an all time high of EUR 69.2 mil in 2008 and an all time low of EUR ...
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 sector provided customer loans of EUR 54.8 bil in 2017, up 9.56% when compared to the last year. UniCredit Slovakia accounted for 8....
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 sector provided customer loans of EUR 54.8 bil in 2017, up 9.56% when compared to the last year. UniCredit Slovakia accounted for 8....
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 - 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 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 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...
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.
Helgi Library 
