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UniCredit Bank Czecho-Slovakia

UCI CR's net profit rose 6.40% yoy to CZK 3,228 mil in 1Q2025

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia made a net profit of CZK 3,228 mil in the first quarter of 2025, up 6.4% when compared to the same...

UCI CR's net profit rose 6.40% yoy to CZK 3,228 mil in 1Q2025

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia made a net profit of CZK 3,228 mil under revenues of CZK 6,315 mil in the first quarter of 2025, up 6....

UCI CR's mortgage loans rose 10.2% yoy to CZK 178,189 mil in 4Q2024

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia's mortgage loans reached CZK 178,189 mil in 4Q2024, up 2.41% compared to the previous year. Czec...

Annual Quarterly LTM
Profit Statement 2022 2023 2024
Net Interest Income CZK mil 14,584 15,424 15,632
Net Fee Income CZK mil 3,802 3,662 4,295
Other Income CZK mil 3,925 4,214 4,533
Total Revenues CZK mil 22,311 23,300 24,460
Staff Cost CZK mil 3,928 4,310 4,459
Operating Profit CZK mil 12,648 12,968 14,080
Provisions CZK mil 1,538 433 545
Net Profit CZK mil 9,128 10,455 10,700
Balance Sheet 2022 2023 2024
Interbank Loans CZK mil 107,721 158,548 230,665
Customer Loans CZK mil 537,080 601,102 629,338
Investments CZK mil 81,554 86,109 80,899
Total Assets CZK mil 766,412 883,910 979,288
Shareholders' Equity CZK mil 81,422 86,545 83,282
Interbank Borrowing CZK mil 56,910 33,361 23,840
Customer Deposits CZK mil 503,374 617,386 702,475
Issued Debt Securities CZK mil 34,412 78,524 113,768
Ratios 2022 2023 2024
ROE % 11.2 12.4 12.6
ROA % 1.25 1.27 1.15
Costs (As % Of Assets) % 1.32 1.25 1.11
Costs (As % Of Income) % 43.3 44.3 42.4
Capital Adequacy Ratio % 23.1 22.5 23.4
Net Interest Margin % 2.00 1.87 1.68
Loans (As % Of Deposits) % 107 97.4 89.6
NPLs (As % Of Loans) % 1.87 1.45 1.60
Provisions (As % Of NPLs) % 110 127 111
Growth Rates 2022 2023 2024
Total Revenue Growth % 16.7 4.43 4.98
Operating Cost Growth % 7.03 6.92 0.465
Operating Profit Growth % 25.4 2.53 8.57
Net Profit Growth % 30.8 14.5 2.34
Customer Loan Growth % 11.1 11.9 4.70
Total Asset Growth % 10.5 15.3 10.8
Customer Deposit Growth % 7.06 22.6 13.8
Shareholders' Equity Growth % -0.561 6.29 -3.77
Employees 3,185 3,162 3,090

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summary Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
income statement                                        
Net Interest Income CZK mil ...                         14,231 14,578 12,091 12,981 14,584    
Total Revenues CZK mil ...                         20,934 21,086 18,078 19,113 22,311    
Operating Profit CZK mil ...                         12,237 12,605 9,437 10,085 12,648    
Net Profit CZK mil ...                         8,957 10,122 5,317 6,981 9,128    
balance sheet                                        
Interbank Loans CZK mil ...                         200,065 185,975 133,820 121,843 107,721    
Customer Loans CZK mil ...                         412,036 440,760 461,476 483,349 537,080    
Investments CZK mil ...                         44,844 42,564 47,985 56,992 81,554    
Total Assets CZK mil ...                         671,615 686,593 664,352 693,464 766,412    
                                           
Shareholders' Equity CZK mil ...                         75,739 78,613 85,592 81,881 81,422    
Interbank Borrowing CZK mil ...                         172,151 141,092 105,519 56,874 56,910    
Customer Deposits CZK mil ...                         374,745 414,953 425,147 470,158 503,374    
Issued Debt Securities CZK mil ...                         37,819 32,119 27,285 59,001 34,412    
ratios                                        
ROE % ... ...                       12.2 13.1 6.48 8.34 11.2    
ROA % ... ...                       1.33 1.49 0.787 1.03 1.25    
Costs (As % Of Assets) % ... ...                       1.29 1.25 1.28 1.33 1.32    
Costs (As % Of Income) % ...                         41.5 40.2 47.8 47.2 43.3    
Capital Adequacy Ratio % ... ...                       19.9 19.8 23.4 21.9 23.1    
Net Interest Margin % ... ...                       2.12 2.15 1.79 1.91 2.00    
Interest Income (As % Of Revenues) % ...                         68.0 69.1 66.9 67.9 65.4    
Fee Income (As % Of Revenues) % ...                         18.6 19.0 19.6 18.8 17.0    
Staff Cost (As % Of Total Cost) % ...                         40.4 43.5 42.4 41.7 40.6    
Equity (As % Of Assets) % ...                         11.3 11.4 12.9 11.8 10.6    
Loans (As % Of Deposits) % ...                         110 106 109 103 107    
Loans (As % Assets) % ...                         61.4 64.2 69.5 69.7 70.1    
NPLs (As % Of Loans) % ...                         2.67 2.31 3.29 2.50 1.87    
Provisions (As % Of NPLs) % ... ...                       90.0 93.1 70.6 89.6 110    
valuation                                        
Book Value Per Share Growth % ... ...                       26.9 2.44 -17.1 7.36 12.3    
income statement Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
income statement                                        
Interest Income CZK mil ...                         15,435 18,597 14,493 15,305 24,090    
Interest Cost CZK mil ...                         1,204 4,019 2,402 2,324 9,506    
Net Interest Income CZK mil ...                         14,231 14,578 12,091 12,981 14,584    
Net Fee Income CZK mil ...                         3,892 4,002 3,541 3,595 3,802    
Fee Income CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 5,387 4,858 5,009 5,402    
Fee Expense CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,385 1,317 1,414 1,600    
Other Income CZK mil ...                         2,811 2,506 2,446 2,537 3,925    
Total Revenues CZK mil ...                         20,934 21,086 18,078 19,113 22,311    
Staff Cost CZK mil ...                         3,512 3,687 3,662 3,762 3,928    
Depreciation CZK mil ...                         1,210 1,532 1,549 1,740 1,639    
Other Cost CZK mil ...                         3,975 3,262 3,430 3,526 4,096    
Operating Cost CZK mil ...                         8,697 8,481 8,641 9,028 9,663    
Operating Profit CZK mil ...                         12,237 12,605 9,437 10,085 12,648    
Provisions CZK mil ...                         1,159 967 3,528 2,003 1,538    
Extra and Other Cost CZK mil ...                         45.0 -967 -799 -758 -52.0    
Pre-Tax Profit CZK mil ...                         11,033 12,605 6,708 8,840 11,162    
Tax CZK mil ...                         2,076 2,483 1,391 1,859 2,034    
Minorities CZK mil ...                         0 0 0 0 0    
Net Profit CZK mil ...                         8,957 10,122 5,317 6,981 9,128    
Net Profit Avail. to Common CZK mil ...                         8,957 10,122 5,317 6,981 9,128    
Dividends CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0 3,299 6,662 8,923   ...
growth rates                                        
Net Interest Income Growth % ... ...                       26.9 2.44 -17.1 7.36 12.3    
Net Fee Income Growth % ... ...                       12.3 2.83 -11.5 1.52 5.76    
Total Revenue Growth % ... ...                       12.4 0.726 -14.3 5.73 16.7    
Operating Cost Growth % ... ...                       -1.18 -2.48 1.89 4.48 7.03    
Operating Profit Growth % ... ...                       24.6 3.01 -25.1 6.87 25.4    
Pre-Tax Profit Growth % ... ...                       18.8 14.2 -46.8 31.8 26.3    
Net Profit Growth % ... ...                       17.5 13.0 -47.5 31.3 30.8    
market share                                        
Market Share in Revenues % ...                         11.0 10.4 10.0 10.4 9.54   ...
Market Share in Net Profit % ...                         11.2 11.3 11.5 10.1 9.04    
Market Share in Employees % ...                         7.77 7.81 8.22 8.16 8.08   ...
Market Share in Branches % ... ...                       6.65 6.64 6.42 6.52 6.82   ...
balance sheet Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
balance sheet                                        
Cash & Cash Equivalents CZK mil ...                         4,842 4,634 7,207 5,772 7,754    
Interbank Loans CZK mil ...                         200,065 185,975 133,820 121,843 107,721    
Customer Loans CZK mil ...                         412,036 440,760 461,476 483,349 537,080    
Retail Loans CZK mil ...                         121,041 139,114 151,506 165,258 175,138    
Mortgage Loans CZK mil ...                         101,883 113,647 126,981 143,340 152,927    
Consumer Loans CZK mil ...                         19,158 25,467 24,525 21,918 22,211    
Corporate Loans CZK mil ...                         301,144 311,332 320,959 277,043 285,210    
Investments CZK mil ...                         44,844 42,564 47,985 56,992 81,554    
Property and Equipment CZK mil ...                         6,928 6,406 6,879 6,511 6,443    
Intangible Assets CZK mil ... ... ... ... ... ... ... ... ... ... ... ... ... ... 2,345 2,608 2,876 2,712    
Total Assets CZK mil ...                         671,615 686,593 664,352 693,464 766,412    
                                           
Shareholders' Equity CZK mil ...                         75,739 78,613 85,592 81,881 81,422    
Of Which Minority Interest CZK mil ...                         0 0 0 0 0    
Liabilities CZK mil ...                         595,876 607,980 578,760 611,583 684,990    
Interbank Borrowing CZK mil ...                         172,151 141,092 105,519 56,874 56,910    
Customer Deposits CZK mil ...                         374,745 414,953 425,147 470,158 503,374    
Retail Deposits CZK mil ...                         154,489 165,943 192,230 190,779 201,858    
Corporate Deposits CZK mil ...                         186,457 185,818 192,883 199,843 210,000    
Sight Deposits CZK mil ... ... ... ... ... ...               350,294 354,051 404,210 430,960 394,021    
Term Deposits CZK mil ... ... ... ... ... ...               24,451 60,902 20,937 39,198 109,353    
Issued Debt Securities CZK mil ...                         37,819 32,119 27,285 59,001 34,412    
Other Liabilities CZK mil ...                         11,161 19,816 20,809 25,550 90,294    
asset quality                                        
Non-Performing Loans CZK mil ...                         11,282 10,405 15,563 12,345 10,246    
Gross Loans CZK mil ...                         422,185 450,446 472,465 494,412 548,395    
Risk-Weighted Assets CZK mil ... ...                       353,755 358,935 346,034 362,048 344,159    
Total Provisions CZK mil ... ...                       10,149 9,686 10,989 11,063 11,315    
growth rates                                        
Customer Loan Growth % ... ...                       6.56 6.97 4.70 4.74 11.1    
Retail Loan Growth % ... ...                       7.45 14.9 8.91 9.08 5.98    
Mortgage Loan Growth % ... ...                       6.79 11.5 11.7 12.9 6.69    
Consumer Loan Growth % ... ...                       65.6 32.9 -3.70 -10.6 1.34    
Corporate Loan Growth % ... ...                       13.4 3.38 3.09 -13.7 2.95    
Total Asset Growth % ... ...                       -0.069 2.23 -3.24 4.38 10.5    
Shareholders' Equity Growth % ... ...                       5.93 3.79 8.88 -4.34 -0.561    
Customer Deposit Growth % ... ...                       3.96 10.7 2.46 10.6 7.06    
Retail Deposit Growth % ... ...                       10.3 7.41 15.8 -0.755 5.81    
Corporate Deposit Growth % ... ...                       6.55 -0.342 3.80 3.61 5.08    
market share                                        
Market Share in Customer Loans % ...                         12.5 12.8 12.8 12.6 13.2    
Market Share in Corporate Loans % ...                         27.9 27.8 28.6 23.3 23.1    
Market Share in Retail Loans % ...                         7.37 7.97 8.15 8.09 8.18    
Market Share in Consumer Loans % ...                         4.83 6.13 5.80 4.89 4.73   ...
Market Share in Mortgage Loans % ...                         8.18 8.55 8.84 8.99 9.15    
Market Share in Total Assets % ...                         9.23 9.08 8.34 8.14 8.61   ...
Market Share in Customer Deposits % ...                         8.43 8.76 8.24 8.54 8.59    
Market Share in Retail Deposits % ...                         6.04 6.09 6.29 5.84 5.94    
Market Share in Corporate Deposits % ...                         17.9 17.0 15.8 15.3 15.4    
ratios Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                         
ROE % ... ...                       12.2 13.1 6.48 8.34 11.2    
ROTE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 6.68 8.62 11.6    
ROE (@ 15% of RWA) % ... ... ...                     17.2 18.9 10.1 13.1 17.2    
ROA % ... ...                       1.33 1.49 0.787 1.03 1.25    
Return on Loans % ...                         2.24 2.37 1.18 1.48 1.79    
Operating Profit (As % of RWA) % ... ... ...                     3.53 3.54 2.68 2.85 3.58    
Costs (As % Of Assets) % ... ...                       1.29 1.25 1.28 1.33 1.32    
Costs (As % Of Income) % ...                         41.5 40.2 47.8 47.2 43.3    
Costs (As % Of Loans) % ... ...                       2.18 1.99 1.92 1.91 1.89    
Costs (As % Of Loans & Deposits) % ... ...                       1.13 1.03 0.992 0.981 0.969    
Capital Adequacy Ratio % ... ...                       19.9 19.8 23.4 21.9 23.1    
Tier 1 Ratio % ... ... ... ... ... ... ... ... ...         19.5 19.8 23.4 21.7 23.1    
Net Interest Margin % ... ...                       2.12 2.15 1.79 1.91 2.00    
Interest Spread % ... ...                       2.10 2.07 1.74 1.86 1.83    
Asset Yield % ... ...                       2.30 2.74 2.15 2.25 3.30    
Revenues (As % of RWA) % ... ... ...                     6.03 5.92 5.13 5.40 6.32    
Cost Of Liabilities % ... ...                       0.201 0.668 0.405 0.390 1.47    
Payout Ratio % ... ... ... ... ... ... ... ... ... ... ... ... ... ... 0 62.0 95.4 97.8   ...
Interest Income (As % Of Revenues) % ...                         68.0 69.1 66.9 67.9 65.4    
Fee Income (As % Of Revenues) % ...                         18.6 19.0 19.6 18.8 17.0    
Other Income (As % Of Revenues) % ...                         13.4 11.9 13.5 13.3 17.6    
Staff Cost (As % Of Total Cost) % ...                         40.4 43.5 42.4 41.7 40.6    
Equity (As % Of Assets) % ...                         11.3 11.4 12.9 11.8 10.6    
Equity (As % Of Loans) % ...                         18.4 17.8 18.5 16.9 15.2    
Loans (As % Of Deposits) % ...                         110 106 109 103 107    
Loans (As % Assets) % ...                         61.4 64.2 69.5 69.7 70.1    
NPLs (As % Of Loans) % ...                         2.67 2.31 3.29 2.50 1.87    
Provisions (As % Of NPLs) % ... ...                       90.0 93.1 70.6 89.6 110    
Provisions (As % Of Loans) % ... ...                       2.46 2.20 2.38 2.29 2.11    
Cost of Provisions (As % Of Loans) % ... ...                       0.290 0.227 0.782 0.424 0.301    
other data Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                         
Branches ... ...                       130 126 108 104 104    
ATMs ... ... ... ...       ... ... ... ... ... ... ... ... ... ... ... ... ...
ATMs (As % of Bank Branches) % ... ... ... ...       ... ... ... ... ... ... ... ... ... ... ... ... ...
Employees ...                         3,251 3,249 3,347 3,242 3,185    
Employees Per Bank Branch ... ...                       25.0 25.8 31.0 31.2 30.6    
Cost Per Employee USD per month ...                         4,115 4,195 4,144 4,463 4,612    
Cost Per Employee (Local Currency) CZK per month ...                         90,024 94,568 91,176 96,700 102,773    
customer breakdown Unit 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
                                         
Customers mil                           0.700 0.750 0.800 0.850 0.900    
Number of Mortgages mil ... ... ... ... ... ... ... ...           0.070 0.079 0.088 ... ... ... ...
Average Size of Mortgage Loan CZK ... ... ... ... ... ... ... ...           1,451,000 1,444,000 1,444,000 ... ... ... ...
Mortgages (As % of Total Clients) % ... ... ... ... ... ... ... ...           10.0 10.5 11.0 ... ... ... ...
Revenue per Customer (Local Currency) CZK ...                         29,906 28,115 22,598 22,486 24,790    
Net Profit per Customer (Local Currency) CZK ...                         12,796 13,496 6,646 8,213 10,142    
Loan per Customer (Local Currency) CZK ...                         588,623 587,680 576,845 568,646 596,756    
Deposit per Customer (Local Currency) CZK ...                         535,350 553,271 531,434 553,127 559,304    
Revenue per Customer USD ...                         1,367 1,247 1,027 1,038 1,112    
Net Profit per Customer USD ...                         585 599 302 379 455    
Loan per Customer USD ...                         26,201 25,979 26,972 25,905 27,186    
Deposit per Customer USD ...                         23,829 24,458 24,848 25,198 25,480    

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UCI CR's npls (as % of loans) rose 23.8% yoy to 1.76% in 1Q2025

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia's non-performing loans reached 1.76% of total loans at the end of 2025-03-31, up from 1.42% compared to the previous year. Historically, the NPL ratio hit an all time high of 6.17% in 2011-09-30 and an all time low of 1.22% in 2023-...

UniCredit Bank Czecho-Slovakia - Market Share in Retail Loans

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia's retail loans reached CZK 198,906 mil in the third quarter of 2024, up 2.77% compared to the previous year. Czech banking sector provided retail loans of CZK 2,333 bil in 3Q2024, up 1.52% when compared to the last year. Uni...

UCI CR's total revenues rose 0.553% yoy to CZK 5,243 mil in 3Q2024

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia generated total banking revenues of CZK 5,243 mil in 2024-09-30, down 2.95% compared to the previous year. Czech banking sector banking sector generated total revenues of CZK 60,032 mil in 2024-09-30, down 7.58% when com...

UniCredit Bank Czecho-Slovakia - Market Share in Bank Deposits

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia's customer deposits reached CZK 712,902 mil in 2024-09-30, down 3.79% compared to the previous year. Czech banking sector accepted customer deposits of CZK 7,407 bil in 2024-09-30, up 1.79% when compared to the last year. Un...

UniCredit Bank Czecho-Slovakia - Market Share in Bank Loans

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia's customer loans reached CZK 559,563 mil in 2024-09-30, up 2.26% compared to the previous year. Czech banking sector provided customer loans of CZK 4,524 bil in 2024-09-30, up 1.44% when compared to the last year. UniCredit ...

UCI CR's consumer loans rose 78.5% yoy to CZK 24,545 mil in 2Q2024

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia's consumer loans reached CZK 24,545 mil in 2024-06-30, up 6.71% compared to the previous year. Czech banking sector provided consumer loans of CZK 520 bil in 2024-06-30, up 2.36% when compared to the last year. UniCredit Ban...

UCI CR's capital adequacy ratio rose 1.14% yoy to 23.0% in 1Q2025

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia's capital adequacy ratio reached 23.0% at the end of first quarter of 2025, down from 24.5% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 24.7% in 1Q2023 and an all time low of 1...

UniCredit Bank Czecho-Slovakia - Market Share in Retail Deposits

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia's retail deposits reached CZK 224,317 mil in 2024-09-30, down 1.69% compared to the previous year. Czech banking sector accepted retail deposits of CZK 3,846 bil in 2024-09-30, up 1.05% when compared to the last year. UniCre...

UCI CR's corporate loans rose 3.25% yoy to CZK 279,825 mil in 1Q2025

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia's loans reached CZK 586,735 mil in the first quarter of 2025, up from CZK 574,864 mil when compared to the previous quarter and up from CZK 563,091 mil when compared to the same period of last year. Historically, the ban...

UniCredit Bank Czecho-Slovakia - Market Share in Corporate Deposits

By Helgi Library - May 21, 2025

UniCredit Bank Czecho-Slovakia's corporate deposits reached CZK 266,723 mil in 2024-09-30, down 0.689% compared to the previous year. Czech banking sector accepted corporate deposits of CZK 1,513 bil in 2024-09-30, down 0.626% when compared to the last year. ...

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UniCredit Czech Republic and Slovakia is a medium-sized bank with a market share of around 5-10% in the key banking product in the Czech Republic and Slovakia. The current bank is a result of the merger between UniCredit and two other banks, Živnostenská banka and HVB Bank. At the end of 2013, UniCredit Bank Czech Republic absorbed Slovak sister company UniCredit Bank Slovakia with a headquarter in Prague. Originally a corporate-oriented bank, UniCredit has been focusing increasingly on the retail area in recent years.

Finance

UniCredit Bank Czecho-Slovakia has been growing its revenues and asset by % and % a year on average in the last 3 years. Its loans and deposits have grown by % and % a year during that time and loans to deposits ratio reached at the end of 2024. The company achieved an average return on equity of % in the last three years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached in 2024, compared to % average in the last three years.

Equity represented of total assets or of loans at the end of 2024. UniCredit Bank Czecho-Slovakia's non-performing loans were of total loans while provisions covered some of NPLs at the end of 2024.

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