Všeobecná úverová banka, a.s. financials
Všeobecná úverová banka, a.s.
Country: SK Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
549300JB1P61FUTPEZ75 Financial statements
(EUR, as reported — unscaled; 108 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Operating expenses | €23.7M | €21.6M |
| Employee benefits expense | €164.2M | €162.0M |
| Depreciation & amortisation | €27.1M | €33.4M |
| Operating profit (EBIT) | €505.3M | €462.9M |
| Profit before tax | €436.4M | €426.5M |
| Income tax expense | €166.3M | €172.9M |
| Profit for the year | €270.1M | €253.6M |
| Total comprehensive income | €290.3M | €254.4M |
| Cash flow statement | ||
| Net cash from operating activities | -€176.3M | -€879.2M |
| Net cash from investing activities | €67.3M | -€211.9M |
| Net cash from financing activities | -€14.4M | -€438.7M |
| Dividends paid | €126.0M | €134.8M |
| Proceeds from borrowings | €595.0M | €100.0M |
| Repayments of borrowings | €260.2M | €107.3M |
| Lease liability payments | €6.6M | €8.6M |
| Balance sheet | ||
| Total assets | €26.32B | €25.25B |
| Intangible assets & goodwill | €29.3M | €29.3M |
| Cash & equivalents | €2.15B | €2.27B |
| Total equity | €2.43B | €2.26B |
| Derived metrics | ||
| Free cash flow | -€195.6M | -€903.1M |
| Return on equity | 11.1% | 11.2% |
| Cash conversion ratio | -0.65× | -3.47× |
| Capex coverage | -9.14× | -36.76× |
| Other reported items | ||
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Assets | €1.3M | €775.0K |
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Liabilities | -€5.8M | -€8.2M |
| Accumulated Other Comprehensive Income | €25.0M | €4.9M |
| Adjustments For Amortisation Expense | €27.1M | €33.4M |
| Adjustments For Decrease Increase In Derivative Financial Assets | -€13.5M | €108.1M |
| Adjustments For Decrease Increase In Financial Assets Measured At Fair Value Through Profit Or Loss | €23.5M | -€127.6M |
| Adjustments For Decrease Increase In Loans and Advances To Banks | €102.0M | -€83.3M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -€1.45B | -€2.07B |
| Adjustments For Decrease Increase In Other Assets | €4.0M | -€18.4M |
| Adjustments For Depreciation Expense | €12.3M | €12.9M |
| Adjustments For Fair Value Gains Losses | -€10.1M | -€28.6M |
| Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €73.3M | €70.2M |
| Adjustments For Increase Decrease In Deposits From Banks | -€12.0M | -€123.8M |
| Adjustments For Increase Decrease In Deposits From Customers | €931.1M | €1.12B |
| Adjustments For Increase Decrease In Derivative Financial Liabilities | -€72.9M | -€72.4M |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | -€18.9M | €33.5M |
| Adjustments For Increase Decrease In Other Liabilities | -€10.2M | €17.3M |
| Adjustments For Interest Expense | €350.6M | €441.9M |
| Adjustments For Interest Income | €939.3M | €1.02B |
| Adjustments For Losses Gains On Disposal of Noncurrent Assets | -€492.0K | -€1.6M |
| Adjustments For Provisions | €1.8M | €1.5M |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €310.0K | €316.0K |
| Adjustments For Unrealised Foreign Exchange Losses Gains | €589.0K | €847.0K |
| Current Tax Assets Current | €5.2M | €0 |
| Current Tax Liabilities | €0 | €44.0M |
| Debt Securities | €4.01B | €4.20B |
| Deferred Tax Assets | €61.4M | €68.4M |
| Deposits From Customers | €18.07B | €17.15B |
| Depreciation Expense | €12.3M | €12.9M |
| Derivative Financial Assets Held For Hedging | €89.0M | €75.6M |
| Derivative Financial Liabilities Held For Hedging | €100.3M | €173.3M |
| Equity and Liabilities | €26.32B | €25.25B |
| Fee and Commission Expense | €38.9M | €40.7M |
| Fee and Commission Income | €256.1M | €230.1M |
| Fee and Commission Income Expense | €217.2M | €189.4M |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €164.2M | €188.3M |
| Financial Assets Measured At Fair Value Through Other Comprehensive Income | €1.44B | €1.49B |
| Financial Assets With Contractual Cash Flows Modified During Reporting Period While Loss Allowance Measured At Lifetime Expected Credit Losses Modification Gain Loss | -€19.9M | €158.0K |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €51.0M | €69.9M |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | €7.2M | -€21.0K |
| Gains Losses On Exchange Differences On Translation Net of Tax | €2.0K | -€3.0K |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €21.2M | -€4.0M |
| General and Administrative Expense | €96.3M | €92.4M |
| Impairment Loss Recognised In Profit Or Loss | €56.6M | €36.8M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €7.6M | -€1.0M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €29.0K | €668.0K |
| Income Taxes Paid Refund Classified As Operating Activities | €208.4M | €182.1M |
| Increase Decrease In Cash and Cash Equivalents | -€123.3M | -€1.53B |
| Increase Decrease Through Transfer Between Revaluation Reserve and Retained Earnings | €0 | €0 |
| Increase Decrease Through Transfer To Statutory Reserve | €0 | €0 |
| Intangible Assets Other Than Goodwill | €171.3M | €173.7M |
| Interest Paid Classified As Operating Activities | €353.1M | €429.5M |
| Interest Received Classified As Operating Activities | €938.2M | €1.01B |
| Interest Revenue Calculated Using Effective Interest Method | €927.6M | €1.01B |
| Interest Revenue Expense | €588.7M | €573.9M |
| Investments In Subsidiaries Joint Ventures and Associates | €1.5M | €1.2M |
| Issued Capital | €510.8M | €510.8M |
| Lease Liabilities | €22.1M | €21.2M |
| Liabilities | €23.89B | €22.99B |
| Miscellaneous Other Operating Income | €3.6M | €5.1M |
| Other Adjustments For Which Cash Effects Are Investing Or Financing Cash Flow | €12.0M | €45.5M |
| Other Assets | €54.3M | €58.2M |
| Other Comprehensive Income | €20.2M | €863.0K |
| Other Comprehensive Income Before Tax Exchange Differences On Translation | €587.0K | €850.0K |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Before Tax | €27.6M | €496.0K |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €20.0M | €1.5M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Before Tax | €218.0K | -€7.0K |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €189.0K | -€675.0K |
| Other Liabilities | €166.9M | €177.1M |
| Proceeds From Disposals of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €3.6M | €2.8M |
| Proceeds From Issue of Bonds Notes and Debentures | €500.0M | €500.0M |
| Property Plant and Equipment Including Rightofuse Assets | €111.1M | €119.2M |
| Provisions | €27.5M | €30.3M |
| Purchase of Financial Assets Measured At Fair Value Through Other Comprehensive Income Classified As Investing Activities | €694.6M | €450.6M |
| Purchase of Interests In Investments Accounted For Using Equity Method | €0 | €162.0K |
| Purchase of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €19.3M | €23.9M |
| Reclassification Adjustments On Cash Flow Hedges Before Tax | €342.0K | €182.0K |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | -€6.1M | -€3.8M |
| Repayments of Bonds Notes and Debentures | €716.6M | €788.0M |
| Retained Earnings | €1.77B | €1.62B |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €308.0K | €321.0K |
| Share Premium | €13.7M | €13.7M |
| Statutory Reserve | €102.5M | €102.5M |
| Subordinated Liabilities | €300.4M | €300.4M |
| Trading Income Expense | €19.5M | €16.9M |
Methodology
Every line item above is a fact tagged in Všeobecná úverová banka, a.s.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.