Vseobecna Uverova Banka Company Profile and Operations

Všeobecná úverová banka, or General Credit Bank, is a Czech bank with a rich history dating back to 1992. It was established to provide financial services to individuals and businesses in the Czech Republic.

The bank's headquarters is located in Prague, the capital city of the Czech Republic.

Všeobecná úverová banka is a subsidiary of the Austrian banking group Raiffeisen Bank International.

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Všeobecná úverová banka's financial performance has been steadily increasing over the years. The bank's sales have grown from €634.19 million in 2017 to €1,113.15 million in 2023, representing a 67.31% change.

The bank's operating income has also seen significant growth, rising from €203.68 million in 2017 to €346.16 million in 2023, a 65.49% increase.

Here's a breakdown of the bank's income before tax and after tax for the past few years:

Deposits up to €100k per person are covered under the Deposit Guarantee Scheme (DGS), giving customers peace of mind.

The income statement is a crucial financial document that provides a snapshot of a company's financial performance over a specific period. It's like a report card for the company's financial health.

Let's take a look at the numbers. In 2023, the company's sales reached a whopping 1.113.15 million EUR, a significant increase of 67.31% compared to the previous year. This indicates a strong growth in revenue.

Here's a breakdown of the company's sales over the past few years:

As we can see, the company's sales have been on an upward trend, with some fluctuations. The operating income has also seen a significant increase, reaching 346.16 million EUR in 2023, a growth of 65.49% compared to the previous year.

The income before tax and income after tax have also shown a positive trend, with a growth of 63.28% and 55.58% respectively in 2023. This indicates a healthy financial performance for the company.

The dividend calendar is a crucial tool for investors to track dividend payments. Vseobecna Uverova Banka A.S.VUB has a history of paying dividends, with the first recorded payment in 2018.

The bank's dividend payments have varied over the years, ranging from 3.65 EUR in 2011 to 11.10 EUR in 2017. This shows that the bank's dividend policy has been adjusted to reflect changing financial conditions.

In 2018, the bank paid a dividend of 9.64 EUR, with a yield of 5.54%. This indicates that investors received a significant return on their investment that year. The bank's dividend payments have been steadily increasing over the years, with a notable jump in 2019.

Here is a breakdown of the bank's dividend payments over the past decade:

The bank's dividend payments have been steadily increasing over the years, with a notable jump in 2019.

Všeobecná úverová banka, a.s. offers a wide range of products, including 24 deposits and 0 savings accounts in various currencies.

The bank's fixed deposits in CZK have interest rates ranging from 0.01% to 2.5% for different terms.

For a 3 months deposit in CZK, the interest rate is 0.01%. You can earn interest on your savings with this option.

In EUR, the bank offers fixed deposits with interest rates of 0.01% for various terms, including 3 months, 6 months, 12 months, 24 months, and 36 months.

A 6 months fixed deposit in EUR has an interest rate of 0.01%. This option is suitable for those who want to earn interest without locking their money for a long time.

The bank's fixed deposits in GBP also have varying interest rates, including 0.01% for a 3 months deposit and 0.5% for a 6 months deposit.

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No revision needed, as some banks already have a clear understanding of their deposit guarantee schemes. Všeobecná úverová banka, a.s. is a great example of this, being a Deposit Guarantee Scheme (DGS) member.

Deposits up to €100k per person are covered, which is a relief for many account holders. This coverage can bring peace of mind to those who have deposits with this bank.

Some banks have already taken steps to ensure their depositors are protected. Všeobecná úverová banka, a.s. is one such bank, offering a clear and reassuring deposit guarantee.

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Všeobecná úverová banka is a significant player in the Czech banking scene, with a robust company structure that supports its operations.

The bank is a subsidiary of KBC Group, a leading European bank.

Its parent company, KBC Group, is headquartered in Belgium and has a significant presence in Europe.

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The management team at Vseobecna Uverova Banka is led by Jozef Kausich, who serves as the Chairman of the Management Board.

The Supervisory Board is overseen by Ignacio Jose Jaquotot Calvo, who holds the position of Chairman. Elena Kohútiková is the Vice Chairman of the Supervisory Board.

The bank's management team includes several key executives: Andrej Viceník is the Chief Executive Officer for Corporate Banking, while Peter Magala is responsible for Risk Management. Darina Kmetová is the Chief Financial Officer, and Marie Kovárová oversees the bank's operations and IT.

The Deputy Chief Executive Officer is Roberto Vercelli, and the Head of the Retail Division is Martin Techman.

The Executive Committee plays a crucial role in the company's decision-making process. It's comprised of key leaders who oversee various aspects of the organization.

The CEO, Jozef Kausich, is the leader of the Executive Committee, with a tenure that began on February 28, 2023. He's been in the position for nearly a year now.

The Director of Finance, Darina Kmetová, has been with the company since March 31, 2022, and is responsible for overseeing the company's financial operations.

Marie Kovárová, the Chief Operating Officer, has been with the company since April 2, 2020, and is in charge of the company's day-to-day operations. At 53 years old, she brings a wealth of experience to her role.

Gabriele Pace, the Corporate Officer/Principal, joined the Executive Committee on May 31, 2023, and is responsible for overseeing various corporate functions. She's 62 years old and has a deep understanding of the company's inner workings.

Andrej Viceník, the other Corporate Officer/Principal, has been with the company since December 31, 2009, and has a long history with the organization. Unfortunately, his age is not publicly disclosed.

Here's a brief overview of the Executive Committee members:

The Board of Directors is a crucial part of a company's structure, and Vseobecna uverova banka, a.s. is no exception.

Ignacio Jose Jaquotot Calvo is the Chairman of the Board, a position he has held since March 22, 2018. He's 67 years old and has been a member of the Board since then.

Christian Schaack and Ignacio Jose Jaquotot Calvo are the only two Board members with their age listed in the public records. Both are 67 years old.

Here is a list of the Board members, including their title and age (if listed):

It's worth noting that most of the Board members' ages are not listed in the public records.

Všeobecná úverová banka, a.s. operates in various countries, but one notable example is Slovakia, where they offer savings products.

Their presence in Slovakia is a good indicator of their commitment to serving diverse markets.

Všeobecná úverová banka, a.s. has a notable presence in Slovakia, offering savings products to customers there.

Všeobecná úverová banka, also known as VUB, is one of the largest banks in Slovakia.

VUB was founded in 1990 and is headquartered in Bratislava.

The bank offers a wide range of financial services, including corporate banking, retail banking, and investment banking.

VUB has a significant presence in the Slovak market, with over 2 million customers.

The bank has a strong network of branches and ATMs across the country.

VUB is a subsidiary of the Italian bank UniCredit.

Všeobecná úverová banka offers a secure way to save your money. Deposits are covered up to 100,000 EUR (or equivalent in local currency) per bank per depositor.

The deposit guarantee scheme is in place to protect your savings, giving you peace of mind when making deposits. This scheme applies to all deposit accounts made by natural persons, legal entities.

As a depositor, you can rest assured that your savings are protected, making it a great option for those looking to keep their money safe.

In Slovakia, banks participate in a deposit guarantee scheme that protects depositors in case of bank failures. Všeobecná úverová banka, a.s. is one such bank that participates in this scheme.

The scheme covers all deposit accounts made by natural persons, legal entities, and covers up to 100,000 EUR (or equivalent in local currency) per bank per depositor.

Všeobecná úverová banka, a.s. offers fixed deposits in various currencies and with different interest rates.

The bank offers fixed deposits with interest rates ranging from 0.01% to 5.00%.

You can choose from a variety of terms, including 0.9 months, 1 month, 3 months, 6 months, and 9 months.

The interest payment frequency varies, with some options paying interest at maturity and others paying interest at regular intervals.

Here are some of the fixed deposit options available:

The fixed deposits are available in Czech koruna (CZK), Euro (EUR), and British pound (GBP).

A Bic Number is a unique identifier assigned to a business account in the UK, used for tax and other purposes. It's also known as a Unique Taxpayer Reference (UTR) number.

The Bic Number is usually 8 or 11 characters long and consists of letters and numbers. For example, the Bic Number for a business might be GIBA GB 21.

In the UK, all businesses must have a Bic Number to file tax returns and pay taxes. This includes sole traders, partnerships, and limited companies.

The Bic Number is used by HMRC to identify a business and its tax obligations. It's also used by banks and other financial institutions to verify a business's identity.

Všeobecná úverová banka offers a wide range of services to its customers, including consumer and corporate lending, as well as investment banking.

Their consumer lending services include personal loans, credit cards, and mortgages, which can be applied for online or in-branch.

The bank also provides corporate lending services, including overdrafts, loans, and leasing, to help businesses grow and succeed.

Their investment banking services include mergers and acquisitions, equity and debt capital markets, and advisory services.

Všeobecná úverová banka has a strong presence in the Czech market, with over 200 branches across the country.

Their online banking platform allows customers to manage their accounts, pay bills, and transfer funds with ease.

The bank's customer service is available 24/7, providing support and assistance to customers whenever they need it.

Their mobile banking app allows customers to access their accounts, pay bills, and transfer funds on the go.

Všeobecná úverová banka offers a range of payment services, including cash management, payment processing, and foreign exchange.

Their cash management services help businesses manage their cash flow and make payments efficiently.

The bank's payment processing services include credit and debit card processing, as well as online payment processing.

Všeobecná úverová banka has a strong focus on innovation and technology, investing in digital solutions to improve customer experience and efficiency.

Their digital solutions include online and mobile banking, as well as a range of other digital services.

The bank's commitment to innovation and technology has helped it stay ahead of the competition and provide the best possible service to its customers.