Všeobecná úverová banka (VUB Banka) is a universal bank, providing a wide range of retail, corporate and investment banking products and services to individuals, corporate and institutional clients. VUB Banka is focused on mortgages and consumer loans, deposit and payment products and services, corporate banking and foreign trade financing activities. Through its subsidiaries VUB Banka also offers leasing and factoring, retirement savings and insurance products.
Všeobecná úverová banka, a.s. is rated by Fitch, Moody's. Long-term credit rating assigned to the bank by Fitch is BBB (good credit quality). Long-term credit rating assigned to the bank by Moody's is A2 (upper medium grade). Všeobecná úverová banka, a.s. participates in deposit guarantee scheme of Slovakia. This scheme covers accounts up to 100 000 EUR per bank per depositor.
Všeobecná úverová banka, a.s. is headquartered in Bratislava.
|BBB (good credit quality)||A2 (upper medium grade)|
Credit Rating is an opinion of a credit rating agency about credit worthiness of a company or a government. Všeobecná úverová banka, a.s. is rated by Fitch and Moody's.
Credit ratings assigned to Všeobecná úverová banka, a.s. as of April 2016 are shown in details in the following sections.
Long-term issuer default rating is Fitch's view of a credit institution's relative vulnerability to default on its financial obligations, for Všeobecná úverová banka, a.s. it is set to BBB (good credit quality), outlook is negative (may be lowered). The rating is not on watch. Short-term issuer default rating for Všeobecná úverová banka, a.s. is set to F3 (fair short-term credit quality).
|Long-Term Issuer Default Rating||BBB|
|Short-Term Issuer Default Rating||F3|
|Support Rating Floor||-|
Viability rating for Všeobecná úverová banka, a.s. is not set support rating is 2 (high probability of external support); support rating floor is not set.
Long-term rating for Všeobecná úverová banka, a.s. it is set to A2 (upper medium grade). Long-term bank deposit rating is A2 (upper medium grade). Bank financial strength rating is baa2. Short-term rating is not assigned.
|Long-Term Bank Deposit Rating||A2|
|Bank Financial Strength Rating||baa2|
Outlook for the ratings of Všeobecná úverová banka, a.s. is set to stable (not likely to change).
|Yes (up to 100 000 EUR per depositor)|
Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.
All credit institutions operating in Slovakia are obliged to participate in Slovakian deposit guarantee scheme.
In the case of Všeobecná úverová banka, a.s. failure, eligible depositors having covered accounts in this bank will be paid out the following compensation:
|Eligible Depositors||natural persons, legal entities|
|Covered Accounts||any credit balance|
|Maximum Protected Amount||100 000 EUR|
|Paid In Currency||EUR|
Any bank can be identified for different purposes and hence can have several different identifiers.
BIC (Business Identifier Code, also known as SWIFT code or SWIFT BIC) is a the mostly used international identifier of financial institutions. SWIFT is the registration authority for BICs. BICs are used in financial transactions, client and counterparty data bases, compliance documents and many others.
A BIC consists of eight or eleven characters, comprising a financial institution code (four characters), a country code (two characters), a location code (two characters) and, optionally, a branch code (three characters).
BIC of Všeobecná úverová banka, a.s. and its components are shown in the table below.
|Bank BIC Code||SUBA|
|Country Code||SK (Slovakia)|
MFI ID (Monetary Financial Institution Identifier) is a code, unique to each institution in the MFI list provided by ECB (European Central Bank). MFI ID is hence applicable to MFIs resident in the European Union.
The code is alphanumerical, with the first two digits representing the two-digit ISO code for the country of residence of the MFI and the remaining number of digits (no limit has been specified) is any combination of alphanumerical characters.
MFI ID of Všeobecná úverová banka, a.s. is shown in the table below.