Bank's profile

VUB is the second largest bank in Slovakia and the only universal bank, which holds the licence that enables to provide the entire range of banking services to the general public, corporate and institutional customers.
The bank´s offer focuses on mortgage and consumer loans, deposit and payment products and services, corporate banking and foreign trade financing.

The bank offers leasing (VUB Leasing), pension savings (VUB Generali), consumer finance (Consumer Finance Holding) or factoring (VUB Factoring) through its subsidiaries and affiliated companies. The bank also mediates insurance products.

VUB provides its services through an extensive sales network, which includes 189 retail branches, 7 Magnifica centres and 32 corporate branches, designated for small and medium enterprises. Moreover, VUB bank operates 11 mortgage centres, specialised in comprehensive housing finance services.

Bank in numbers

1.2 mil
clients

3985
employees

market share

11
mortgage centres

32
corporate branches

193
branches

Bank's bodies

Management Board

Alexander Resch

Chairman of the Management Board

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Alexander Resch

Chief Executive Officer

Alexander Resch became the Chief Executive Officer and Chairman of the Management Board on 1 October 2013. During the period from 2008 to 2012 he held the position of Member of the Management Board and Chief Risk Officer of the Bank. Prior to that, was Alexander Resch engaged with VUB’s sales finance subsidiary Consumer Finance Holding in the position of Vice-Chairman of the Management Board.

Alexander Resch returned to Slovakia from Albania where he was managing Intesa Sanpaolo Bank Albania. Alexander Resch has worked for Intesa Sanpaolo Group throughout his entire career. He started in Bankhaus Löbbecke (Berlin), then part of Intesa Sanapolo Group, where he was responsible for Planning, Controlling and Risk Management. He arrived to Slovakia in 2004 to coordinate the acquisition of the TatraCredit Group by VUB Bank, which was subsequently transformed into Consumer Finance Holding. Alexander Resch studied economics at Università Cattolica del Sacro Cuore in Milan and he also holds an Executive MBA degree of University of Minnesota – Carlson School of Management - and Vienna University of Economics and Business.

Elena Kohútiková

Management Board member

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Elena Kohútiková

Deputy Chief Executive Officer

Elena Kohútiková has been acting in VUB Bank since October 2006. First in the position of Member of the Management Board and Executive Director of Financial and Capital Markets Division and since March 2009 as a Deputy Chief Executive Officer, mainly responsible for areas of Risk Management, Finance, Planning and Controlling, Payments, IT and Operations, Compliance & AML She ranks amongst the top experts on Euro introduction in Slovakia.

Elena Kohútiková studied at University of Economics in Bratislava. After working for ZŤS Dubnica until 1982, she spent the following 8 years researching at the Institute of Economics of the Slovak Academy of Sciences in Bratislava where she also obtained her PhD. She entered the banking sector in 1990 by joining the State Bank of Czechoslovakia in Bratislava and after establishment of the National Bank of Slovakia (NBS) in 1993 she became a Chief Executive Director of its Economic Division. In 1994, the government of the Slovak Republic appointed Ms Kohútiková a Member of the NBS Bank Board. From March 2000, she held the position of Deputy Governor of NBS being in charge of monetary policy management, open market operations, management of foreign exchange assets and risk management, management of the IT division and Research Department, representing the NBS in the Economic and Financial Committee of the European Union, Member of the International Relations Committee of the European Central Bank (IRC), Alternate Governor of NBS in the General Council of the European Central Bank, Alternate Governor of the Slovak Republic to the World Bank and also a Member of the Committee for Economic Policy of OECD, Membership in Committee of European Securities Regulators Market Participants Consultative Panel.

Antonio Bergalio

Management Board member

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Antonio Bergalio

Chief Financial Officer

In October 2014 Antonio Bergalio became a member of the Management Board and Chief Financial Officer in October 2014. Until then, Antonio Bergalio was a member of the Management Board and CFO of the Ukrainian Pravex Bank, member of the Intesa Sanpaolo Group. He was in charge of reporting, planning and controlling, treasury, investment banking and procurement. Before that he worked as a manager in several banks and consultancy firms focusing on finance. Antonio Bergalio studied economics at the University of Genoa. He was also a member of the Committee of Italian Entrepreneurs in Ukraine between 2012 – 2014.

Alexander Resch

Chief Executive Officer

Alexander Resch became the Chief Executive Officer and Chairman of the Management Board on 1 October 2013. During the period from 2008 to 2012 he held the position of Member of the Management Board and Chief Risk Officer of the Bank. Prior to that, was Alexander Resch engaged with VUB’s sales finance subsidiary Consumer Finance Holding in the position of Vice-Chairman of the Management Board.

Alexander Resch returned to Slovakia from Albania where he was managing Intesa Sanpaolo Bank Albania. Alexander Resch has worked for Intesa Sanpaolo Group throughout his entire career. He started in Bankhaus Löbbecke (Berlin), then part of Intesa Sanapolo Group, where he was responsible for Planning, Controlling and Risk Management. He arrived to Slovakia in 2004 to coordinate the acquisition of the TatraCredit Group by VUB Bank, which was subsequently transformed into Consumer Finance Holding. Alexander Resch studied economics at Università Cattolica del Sacro Cuore in Milan and he also holds an Executive MBA degree of University of Minnesota – Carlson School of Management - and Vienna University of Economics and Business.

Elena Kohútiková

Deputy Chief Executive Officer

Elena Kohútiková has been acting in VUB Bank since October 2006. First in the position of Member of the Management Board and Executive Director of Financial and Capital Markets Division and since March 2009 as a Deputy Chief Executive Officer, mainly responsible for areas of Risk Management, Finance, Planning and Controlling, Payments, IT and Operations, Compliance & AML She ranks amongst the top experts on Euro introduction in Slovakia.

Elena Kohútiková studied at University of Economics in Bratislava. After working for ZŤS Dubnica until 1982, she spent the following 8 years researching at the Institute of Economics of the Slovak Academy of Sciences in Bratislava where she also obtained her PhD. She entered the banking sector in 1990 by joining the State Bank of Czechoslovakia in Bratislava and after establishment of the National Bank of Slovakia (NBS) in 1993 she became a Chief Executive Director of its Economic Division. In 1994, the government of the Slovak Republic appointed Ms Kohútiková a Member of the NBS Bank Board. From March 2000, she held the position of Deputy Governor of NBS being in charge of monetary policy management, open market operations, management of foreign exchange assets and risk management, management of the IT division and Research Department, representing the NBS in the Economic and Financial Committee of the European Union, Member of the International Relations Committee of the European Central Bank (IRC), Alternate Governor of NBS in the General Council of the European Central Bank, Alternate Governor of the Slovak Republic to the World Bank and also a Member of the Committee for Economic Policy of OECD, Membership in Committee of European Securities Regulators Market Participants Consultative Panel.

Antonio Bergalio

Chief Financial Officer

In October 2014 Antonio Bergalio became a member of the Management Board and Chief Financial Officer in October 2014. Until then, Antonio Bergalio was a member of the Management Board and CFO of the Ukrainian Pravex Bank, member of the Intesa Sanpaolo Group. He was in charge of reporting, planning and controlling, treasury, investment banking and procurement. Before that he worked as a manager in several banks and consultancy firms focusing on finance. Antonio Bergalio studied economics at the University of Genoa. He was also a member of the Committee of Italian Entrepreneurs in Ukraine between 2012 – 2014.

Jozef Kausich

Management Board member

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Jozef Kausich

Management Board member

Executive Director for Corporate Banking, Member of the VUB Management Board

Jozef Kausich has been holding the position of the Management Board member and of the Executive Director of the Corporate Banking Division in VÚB, a.s. since April 2005. Concurrently, he holds the position of the Supervisory Board member of the companies VÚB Leasing and VÚB Factoring.

He gained his banking experience particularly in the field of corporate banking, credit analyses, process adjustments, and product development, as well as in global coordination of services and relationships with corporate customers. He also took part in several banking mergers and acquisitions, and in due diligence of different Slovak banks. Mr. Kausich graduated from the University of Economics in Bratislava. He worked in Tatrabanka as a corporate consultant from 1996. In 1997 he joined Bank Austria Slovakia still holding the same position, later participated in different mergers until he was appointed Head of the Corporate Customer and Product Management Division in the merged German-Austrian HVB Bank Slovakia in 2001. During his banking career, he has undertaken several study visits abroad. Jozef Kausich is married and the father of one child.

Peter Magala

Management Board member

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Peter Magala

Management Board member

In February 2012, VUB Supervisory Board appointed Mr. Peter Magala to the position of a new member of the VUB Management Board and Executive Director of the Risk Management Division where he replaces Mr. Alexander Resch who resigned to his positions. Before his appointment to the new position, Mr. Magala worked in the position Director of VUB Internal Audit and Control Department. Having graduated from the University of Economics in Bratislava, Faculty of National Economy, he started his career in company Deloitte & Touche, Bratislava. In Deloitte & Touche he reached Senior Auditor level working on IAS and statutory audits, due diligence projects and other special projects focused mostly on banking clients, coincidently including VUB as one of his major clients.

Peter Magala gained his further banking experience as Relationship Manager at the Financial Institutions department in Citibank, Bratislava where he was working during years 2002 – 2004. His main clients were from the consumer finance and insurance business. Since 2004 he continued in his banking career in Tatrabanka / Raiffeisen International mostly on the international IT project in Maribor (Slovenia) as Senior Business Analyst responsible for the accounting area.

In 2006 Mr. Magala started working for VUB. First as Head of Corporate Credit Control Sub-department within Internal Auditing Department then from 2007 as the Director of Internal Audit and Control Department having responsibility for internal auditing of the whole VUB Group. Peter Magala holds internationally recognized professional qualification in risk management – Financial Risk Manager (FRM), and he is a Fellow member of the Association of Chartered Certified Accountants (FCCA).

Peter Novák

Management Board member

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Peter Novák

Chief Operating Offcier

In 2014 Peter Novák became member of the Management Board and Chief Operating Officer. Peter Novák has come to VÚB from the headquarters of Austrian Raiffeisen Bank International AG where he worked as a Managing Director for International Operations and IT. He was in charge of operations management and IT in the countries of Central and Eastern Europe, in Beijing, Hong Kong, Singapore, New York and London. Before that, he had worked in the top management of several important companies in banking and telecommunication sector in Slovakia and abroad. He graduated from the Technical University of Košice.

Jozef Kausich

Management Board member

Executive Director for Corporate Banking, Member of the VUB Management Board

Jozef Kausich has been holding the position of the Management Board member and of the Executive Director of the Corporate Banking Division in VÚB, a.s. since April 2005. Concurrently, he holds the position of the Supervisory Board member of the companies VÚB Leasing and VÚB Factoring.

He gained his banking experience particularly in the field of corporate banking, credit analyses, process adjustments, and product development, as well as in global coordination of services and relationships with corporate customers. He also took part in several banking mergers and acquisitions, and in due diligence of different Slovak banks. Mr. Kausich graduated from the University of Economics in Bratislava. He worked in Tatrabanka as a corporate consultant from 1996. In 1997 he joined Bank Austria Slovakia still holding the same position, later participated in different mergers until he was appointed Head of the Corporate Customer and Product Management Division in the merged German-Austrian HVB Bank Slovakia in 2001. During his banking career, he has undertaken several study visits abroad. Jozef Kausich is married and the father of one child.

Peter Magala

Management Board member

In February 2012, VUB Supervisory Board appointed Mr. Peter Magala to the position of a new member of the VUB Management Board and Executive Director of the Risk Management Division where he replaces Mr. Alexander Resch who resigned to his positions. Before his appointment to the new position, Mr. Magala worked in the position Director of VUB Internal Audit and Control Department. Having graduated from the University of Economics in Bratislava, Faculty of National Economy, he started his career in company Deloitte & Touche, Bratislava. In Deloitte & Touche he reached Senior Auditor level working on IAS and statutory audits, due diligence projects and other special projects focused mostly on banking clients, coincidently including VUB as one of his major clients.

Peter Magala gained his further banking experience as Relationship Manager at the Financial Institutions department in Citibank, Bratislava where he was working during years 2002 – 2004. His main clients were from the consumer finance and insurance business. Since 2004 he continued in his banking career in Tatrabanka / Raiffeisen International mostly on the international IT project in Maribor (Slovenia) as Senior Business Analyst responsible for the accounting area.

In 2006 Mr. Magala started working for VUB. First as Head of Corporate Credit Control Sub-department within Internal Auditing Department then from 2007 as the Director of Internal Audit and Control Department having responsibility for internal auditing of the whole VUB Group. Peter Magala holds internationally recognized professional qualification in risk management – Financial Risk Manager (FRM), and he is a Fellow member of the Association of Chartered Certified Accountants (FCCA).

Peter Novák

Chief Operating Offcier

In 2014 Peter Novák became member of the Management Board and Chief Operating Officer. Peter Novák has come to VÚB from the headquarters of Austrian Raiffeisen Bank International AG where he worked as a Managing Director for International Operations and IT. He was in charge of operations management and IT in the countries of Central and Eastern Europe, in Beijing, Hong Kong, Singapore, New York and London. Before that, he had worked in the top management of several important companies in banking and telecommunication sector in Slovakia and abroad. He graduated from the Technical University of Košice.

Martin Techman

Management Board member

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Martin Techman

Management Board Member

 

Martin Techman has become a member of the Management Board of VÚB and the Head of the Retail Banking Division on 1st March 2015. He came to VÚB from Česká sporiteľňa, where he was the head of the distribution network.

In VÚB, Martin Techman is in charge of the management of the retail branch network and client relationships, bank products for natural persons and small businesses, payment cards and private banking.

Martin Techman has been concentrating on the field of banking and finance since 1994. He started to work in company Multiservis, later acquired by GE Capital. He worked in several key positions there: consumer financing manager, head of products development, head of third parties‘ products and manager of mortgage loan sales. Between 2004 and 2005, he was the head of development and administration of products in VÚB in charge of retail products management, mortgage centers network and external sales. From 2005 he worked in Česká sporiteľňa as a director of business development division and from 2011 he was managing the branches network in the Czech Republic.

Martin Techman is a Nottingham Trent University graduate, he was awarded an MBA degree in Business Administration (Executive MBA).

Martin Techman

Management Board Member

 

Martin Techman has become a member of the Management Board of VÚB and the Head of the Retail Banking Division on 1st March 2015. He came to VÚB from Česká sporiteľňa, where he was the head of the distribution network.

In VÚB, Martin Techman is in charge of the management of the retail branch network and client relationships, bank products for natural persons and small businesses, payment cards and private banking.

Martin Techman has been concentrating on the field of banking and finance since 1994. He started to work in company Multiservis, later acquired by GE Capital. He worked in several key positions there: consumer financing manager, head of products development, head of third parties‘ products and manager of mortgage loan sales. Between 2004 and 2005, he was the head of development and administration of products in VÚB in charge of retail products management, mortgage centers network and external sales. From 2005 he worked in Česká sporiteľňa as a director of business development division and from 2011 he was managing the branches network in the Czech Republic.

Martin Techman is a Nottingham Trent University graduate, he was awarded an MBA degree in Business Administration (Executive MBA).

Supervisory Board

Members of the VÚB Supervisory Board 

  • Ezio Salvai – Chairman 
  • Ignacio Jaquotot – Vice-Chairman 
  • Paolo Sarcinelli
  • Christian Schaack
  • Luca Finazzi
  • Andrej Straka – employee representative
  • Róbert Szabo – employee representative

Rating

Moody’s

VÚB bank, june 2015
Long-term deposits A2
Short-term deposits P-1
  stable outlook

 

VÚB bank - Mortgage bonds (HZL), june 2015
Long-term rating Aa2
Slovak republic, october 2013
Long-term rating A2, stable outlook

Intesa Sanpaolo Group

The Italian banking group Intesa Sanpaolo, with its headquarters based in Turin and Milan, is the majority shareholder of VÚB, holding a 97.02 % stake. It was formed in January 2007 by the merger of Sanpaolo IMI and Banca Intesa. Both banks were already key players in the Italian market and had contributed to the consolidation process of the Italian banking industry.




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