Všeobecná úverová banka, a.s.

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.


Mlynské nivy 1, 829 90, Bratislava, Slovakia

Všeobecná úverová banka, a.s. is headquartered in Bratislava.

Bank Identifiers


Credit Ratings (as of Apr 2016)

Fitch Moody's
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
    Outlook  negative
    On Watch  No
Short-Term Issuer Default Rating  F3
Viability Rating  -
Support Rating  2
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 Rating  A2
Long-Term Bank Deposit Rating  A2
Bank Financial Strength Rating  baa2
Short-Term Rating  -
Outlook  stable

Outlook for the ratings of Všeobecná úverová banka, a.s. is set to stable (not likely to change).

Deposit Guarantee

Deposit Guarantee
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

Further Information


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)
Location Code  BX
Branch Code  XXX


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.

MFI ID  SK31320155

European Presence: 2 banks in 2 countries

Všeobecná úverová banka, a.s. operates under the brand name Vseobecna Uverova Banka. This banking brand has presence in the following European countries and selected dependent territories of the European countries:

Czech Republic


  •  (this bank) Všeobecná úverová banka, a.s. (Bratislava)