Vseobecna Uverova Banka A.S. Logo

Vseobecna Uverova Banka A.S.

ISIN: SK1110001437 | Ticker: VUB | LEI: 549300JB1P61FUTPEZ75
Sector: FinancialsSub-Industry: Diversified Banks
Country: Slovakia

About Vseobecna Uverova Banka A.S.

Company Description

VÚB is the second largest bank in Slovakia and the only universal bank licensed to provide the full range of banking services to the public, corporate and institutional clients. The focus of the offer is mortgage and consumer loans, deposit and payment products and services, corporate banking, and financing of foreign trade activities, consumer finance, and factoring.

Through its subsidiaries and affiliates, it offers leasing services (VÚB Leasing), retirement savings (VÚB Generali). The Bank is also a provider of insurance products.

It provides its services through a wide network of commercial places, which includes 182 retail outlets, 8 Magnifica centres and 32 branch offices dedicated to serving small and medium-sized businesses. In addition, VÚB Bank operates 11 mortgage centres, specializing in complete housing-related finance services.

Year founded


Served area



Mlynské nivy 1, 829 90 Bratislava 25 – Slovakia

Financial statements

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Line item in (eur) 01.01.2022 01.01.2023 01.01.2024
Assets N/A 22,873,363,000.00 24,386,101,000.00
Property Plant And Equipment N/A 121,404,000.00 120,534,000.00
Goodwill N/A 29,305,000.00 29,305,000.00
Intangible Assets Other Than Goodwill N/A 198,671,000.00 183,516,000.00
Investments In Subsidiaries Joint Ventures And Associates N/A 1,885,000.00 719,000.00
Deferred Tax Assets N/A 50,446,000.00 62,056,000.00
Cash and cash equivalents 2,612,787,000.00 3,060,496,000.00 3,802,524,000.00
Noncurrent Assets Or Disposal Groups Classified As Held For Sale N/A 5,946,000.00 1,551,000.00
Equity And Liabilities N/A 22,873,363,000.00 24,386,101,000.00
Equity 1,734,924,000.00 1,870,095,000.00 2,144,524,000.00
Issued Capital N/A 430,819,000.00 510,819,000.00
Retained Earnings N/A 1,327,769,000.00 1,519,808,000.00
Share Premium N/A 13,719,000.00 13,719,000.00
Statutory Reserve N/A 87,493,000.00 87,783,000.00
Liabilities N/A 21,003,268,000.00 22,241,577,000.00
Line item in (eur) 01.01.2022/
Interest Revenue Calculated Using Effective Interest Method 431,969,000.00 867,365,000.00
Employee Benefits Expense 127,453,000.00 142,192,000.00
Depreciation Expense 13,634,000.00 13,698,000.00
Amortisation Expense 18,793,000.00 27,868,000.00
Profit Loss From Operating Activities 274,190,000.00 411,934,000.00
Gain Loss Arising From Derecognition Of Financial Assets Measured At Amortised Cost 13,729,000.00 7,866,000.00
Share Of Profit Loss Of Associates And Joint Ventures Accounted For Using Equity Method 2,138,000.00 -1,759,000.00
Profit Loss Before Tax 212,969,000.00 342,480,000.00
Income Tax Expense Continuing Operations 43,219,000.00 78,735,000.00
Profit (loss) 169,522,000.00 263,745,000.00
Line item in (eur) 01.01.2022 01.01.2023 01.01.2024
Profit (loss) N/A 169,522,000.00 263,745,000.00
Adjustments For Impairment Loss Reversal Of Impairment Loss Recognised In Profit Or Loss N/A 129,279,000.00 129,087,000.00
Adjustments For Provisions N/A 1,153,000.00 4,338,000.00
Adjustments For Unrealised Foreign Exchange Losses Gains N/A -32,000.00 -1,182,000.00
Adjustments For Fair Value Gains Losses N/A 104,395,000.00 -56,663,000.00
Adjustments For Losses Gains On Disposal Of Noncurrent Assets N/A -531,000.00 -821,000.00
Other Adjustments For Which Cash Effects Are Investing Or Financing Cash Flow N/A -247,844,000.00 68,359,000.00
Interest Paid Classified As Operating Activities N/A 86,463,000.00 327,069,000.00
Interest Received Classified As Operating Activities N/A 425,360,000.00 849,470,000.00
Income Taxes Paid Refund Classified As Operating Activities N/A 24,828,000.00 67,296,000.00
Cash Flows From Used In Operating Activities N/A 119,431,000.00 1,000,000.00
Cash Flows Used In Obtaining Control Of Subsidiaries Or Other Businesses Classified As Investing Activities N/A 4,519,000.00 0.00
Cash Flows From Used In Investing Activities N/A 959,000.00 299,771,000.00
Proceeds From Borrowings Classified As Financing Activities N/A 350,000,000.00 50,000,000.00
Repayments Of Borrowings Classified As Financing Activities N/A 205,294,000.00 108,687,000.00
Payments Of Lease Liabilities Classified As Financing Activities N/A 6,853,000.00 6,738,000.00
Dividends Paid Classified As Financing Activities N/A 10,534,000.00 73,318,000.00
Cash Flows From Used In Financing Activities N/A 327,319,000.00 441,257,000.00
Increase (decrease) in cash and cash equivalents after effect of exchange rate changes N/A 447,709,000.00 742,028,000.00
Cash and cash equivalents 2,612,787,000.00 3,060,496,000.00 3,802,524,000.00

Please note that some sums might not add up.

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Diversified Banks

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