VUB's Market Share and Financial Services
FINANCIAL FIGURES
BALANCE SHEET STRUCTURE
Individual Balance Sheet as of 31 December 2018
EUR mln
16,369
Cash and balances with CBs
Due from Banks'
1,748
Deposits from banks
16,369
992
127
->
Deposits from customers
11,056
Loans and receivables with customers
13,325
->
Balance Sheet (BS) is showing strong performance in
commercial and sales area supporting the growth in
Loans and Client Deposits, supported by merge with
CFH consumer loans business
Due to recent change by the regulator to even out the
playing field for the bank and non bank market VUB
decided to incorporate non-bank CFH into the bank
business - apart from car leasing - which was merged
into VUB Leasing
The deposits from customers are driven primarily by
Retail
Financial Assets consist mainly of balances with Czech
National Bank and Slovak Government bonds
EUR mln
Other Financial Assets
Other Assets
869
301
Assets
->
Debt securities in issue
Loans to banks represent placements of excess of
liquidity mainly in Group banks
Other Liabilities
2,332
380-
->
Equity
1,609
Due to banks comprise long term funding from EIB,
EBRD and Short Term deposits from ISP Milano
Liabilities
->
Debt
securities
issued
represent
issued
Mortgage/Covered Bonds
Development
Balance Sheet
Loans to Customer
Customer Deposits
Securities Issued
+13.13%
14,469
16,369
4Q2017
4Q2018
+15.99%
+9.95%
+3.55%
13,325
11,488
10,056
11,056
2,252
2,332
4Q2017
Source: Individual financial statements as of 31 December 2018
4Q2018
4Q2017
4Q2018
4Q2017
4Q2018
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