• No suggestion

Who we are

About VUB Bank

About VUB Bank

VÚB is the second largest bank in Slovakia and the only universal bank licensed to provide the full range of banking services to the public, corporate and institutional clients. The focus of the offer is mortgage and consumer loans, deposit and payment products and services, corporate banking, and financing of foreign trade activities, consumer finance, and factoring.

Through its subsidiaries and affiliates, it offers leasing services (VÚB Leasing), retirement savings (VÚB Generali). The Bank is also a provider of insurance products.

It provides its services through a wide network of commercial places, which includes 182 retail outlets, 8 Magnifica centres and 32 branch offices dedicated to serving small and medium-sized businesses. In addition, VÚB Bank operates 11 mortgage centres, specializing in complete housing-related finance services.



Jozef Kausich

Chairman of the Board

CEO of VUB Bank

Jozef Kausich has been the CEO and Chairman of the Board of Directors of VÚB banka since March 1, 2023.

Before that, he worked for five years as the chairman of the board in the Slovenian Banka Intesa Sanpaolo. Before leaving for Slovenia, he was a member of the board of directors and director of corporate banking at VÚB bank for 12 years. In addition, he was also a member of the supervisory board in the subsidiaries VÚB bank, VÚB Leasing and VÚB Factoring. 

Jozef Kausich graduated from the University of Economics in Bratislava and gradually worked in several financial institutions. In Bank Austria – Creditanstalt Slovakia a.s. as the deputy head of the department of large customers, he began to focus on corporate banking and subsequently at HVB Bank Slovakia a.s. became the director of the department of corporate clients. 

Gabriele Pace

Member of the Board and DCEO of VUB Bank

On June 1, 2023, Gabriele Pace became a member of the board of directors and also the deputy general director of VÚB bank. In his position, he is primarily responsible for the control and support departments of the bank. He has been working at VÚB Bank since the beginning of 2023, until now he held the position of advisor to the Management Board. Before coming to Slovakia, he led ISP International Value Services in Croatia, which is an innovative and international IT service provider for the digital transformation of banking. He previously served as DCEO at Banca Intesa Beograd in Serbia. From 2004, he worked at Privredna banka Zagreb in Croatia, where he was a member of the bank's board of directors and later also DCEO. He has been working in the Intesa Sanpaolo banking group since 1987, where he started as an IT analyst in New York.

Andrej Viceník

Member of the Board

Chief Executive Officer of Corporate Banking

Andrej Viceník has been working in VÚB since 2006.  He held the position of Director of Corporate Clients until 2010 and until November 2017 he ran the Small and Medium Enterprises Division.

Since December 2017, he has been a member of the Board of Directors and Chief Executive Officer of the Corporate Banking Division and Chairman of the Supervisory Board of VÚB Leasing a.s. Previously, he worked in the leading positions of the Czech Insurance Company, Zurich insurance company as well as HVB Bank Slovakia. He graduated from the Faculty of Business Management of the University of Economics in Bratislava and also broadened his education by getting the Executive MBA degree at Webster University.

Peter Magala

Member of the Board

Chief Executive Officer of Risk Management

In February 2012, the Supervisory Board of VÚB appointed Peter Magala as a member of the Board of Directors and Chief Executive Officer of the Risk Management Division.

After graduating from the Faculty of Economics of the University of Economics in Bratislava, he began building his career at Deloitte & Touche in Bratislava where he worked as a senior auditor in the field of International Accounting Standards and statutory audits, due diligence projects and other specific projects focused on bank clients.

Peter Magala gained further banking experience as a relationship manager at Citibank in Bratislava, where he worked in 2002 - 2004.  His key clients were from the area of consumer finance and insurance. Since 2004, he has continued his banking career at Tatrabanka/Raiffeisen International, particularly in the segment of international IT projects in Maribor (Slovenia) as a senior business analyst in charge of accounting.

In 2006, Peter Magala started working for VÚB. Firstly, as Head of Corporate Credit Control in Internal Audit, and since 2007, as Head of the Internal Control and Internal Audit of the Bank, responsible for internal audit of the entire VÚB Group.

Peter Magala has gained an internationally recognized qualification in Risk Management, the Financial Risk Manager (FRM), and is a member of the Certified Accountants’ Association (FCCA).

Martin Techman

Member of the Board

Chief Executive Officer of Retail Banking

A member of the Board of Directors of VÚB Bank and the Chief Executive Officer of the Retail Banking Division became Martin Techman on 1 March 2015. He came to VÚB from Česká spořitelna, where he worked as a director of the distribution network.

Martin Techman is responsible for branch office and customer relationship management, bank products for natural persons and small businesses, payment cards and private banking.

He has been involved in financial services and banking since 1994.  He started at Multiservis, which was later acquired by GE Capital. He has gone through several key positions as consumer finance manager, product development manager, third party product manager, and mortgage credit manager. Between 2004 and 2005, he was Director of Product Development and Management at VÚB Bank, where he was responsible for managing retail products, a network of mortgage centres, and for external sales. Since 2005, he has worked as a Director of Business Development at Česká spořitelna and since 2011 has managed a network of branches in Czech Republic.

Martin Techman got an MBA degree at Nottingham Trent University in the field of Managerial Studies and “Senior Executive” Managers.

Marie Kovářová

Member of the Board

Chief Executive Officer of the Operations and IT Department

On April 3, 2020, Marie Kovářová became a member of the Board of Directors of VÚB, a.s. and director responsible for Operations and IT.

Marie Kovářová studied mathematics at Charles University in Prague. She finished her studies with a doctorate. She worked for 6 years at McKinsey, mainly in Germany.

From In 2004, she worked in the management of Česká pojišťovna and Generali, where she managed Operations, IT, Purchasing and HR. She was sent to Romania for 4 years, where she managed the merger of 3 insurance companies from the position of CEO. She gained experience in finance by working in the Home Credit group, for which she worked in China as COO.

Darina Kmeťová

Member of the Board

On April 7, 2022, Darina Kmeťová became a member of the Board of VUB Bank and the CFO.

Darina Kmeťová joined VUB Bank in October 2019 as the director of the planning and control department. Prior to that, she worked as a finance and controlling leader in various sectors (automotive, media, marketing and banking) of foreign companies. He has many years of experience in senior financial positions, in the field of controlling and also in managerial positions with international coverage. She studied Tax and Tax Consulting at the University of Economics in Bratislava.

Supervisory Board

Memebers of the VÚB Supervisory Board

  • Ignacio Jaquotot – predseda - Chairman
  • Elena Kohútiková – podpredsedníčka - Chairwoman
  • Luca Leoncini Bartoli
  • Marco Fabris
  • Christian Schaack
  • Peter Gutten - employee representative
  • Dana Kondrótová - employee representative
  • Andrea Fumačová - employee representative
  • Draginja Duric

Bank in numbers

Bank in numbers

1,2 mil.




19,3 %












VÚB banka, Marec 2023  
Dlhodobé vklady A2
Krátkodobé vklady P-1
  negatívny výhľad


Bank logo

Bank logo

Logo VÚB banky vychádza z prvkov použitých v logu materskej spoločnosti Intesa Sanpaolo. Zjednocujúcim motívom všetkých dcérskych spoločností je oranžový štvorec s tromi oblúkmi predstavujúcimi symbol rímskeho akvaduktu.

Akvadukt je stavba, ktorá prináša ľuďom vodu, technický pokrok, život a prosperitu; no symbolizuje aj spojenie medzi ľuďmi a kultúrami. Akvadukt v logu v prenesenom význame predstavuje väzbu v skupine Intesa Sanpaolo, zodpovednosť za rozvoj spoločnosti a budovanie vzťahov medzi jednotlivými bankami v skupine.

Názov „VÚB BANKA“ je písaný písmom Trajan pomenovaným podľa rímskych znakov na Trajánovom stĺpe stojacom na Rímskom fóre. Tmavozelená farba v logu vyjadruje pocit dôvernosti a bezpečia.

Štyri základné farby:

  • oranžová: farba rámu; predstavuje slnko, energiu
  • žltá: farba horizontálnej línie; predstavuje zem, piesok a prácu
  • modrá: farba prvého oblúka; odtiene modrej predstavujú vzduch, vodu, more
  • zelená: farba loga a druhého oblúka; odtiene zelenej predstavujú rastliny, rast a prírodu
Mission and values

Mission and values


We want to be the best bank in Slovakia in customer satisfaction and continue to be excellent in achieving profitability and operational efficiency.


Knowing the values of our activities and services that we bring to society based on its needs, trust and respect towards all our clients, employees and shareholders, we strive to create a sense of belonging among our employees and the community, compete with the fair play sense and promote sustainable growth and results.


Our role is to provide high quality banking and financial services to our clients and to continually improve in all areas of our activity.




We want to offer products and services that are simple and people understand them. We can adapt and respond flexibly.


Our goal is to solve specific problems of people, we try to find relevant solutions. For the innovations we bring, we are looking for added value for our clients.


We think of the needs of both clients and employees and we want to build long-term relationships with them. We are not people who have become bankers but bankers who have remained people.


We believe that everything goes better with a smile and therefore we try to ensure that our clients have a reason to smile at every visit to VÚB Bank.



We act fairly

We pursue our goals honestly, fairly and responsibly, fully respecting the rules and professional ethics as well as the spirit of the signed treaties.

We improve quality

We aim for continuous improvement, precision, readiness to challenge, and promote creativity in innovation. At the same time, we acknowledge and reward merit.

We act transparently

We commit ourselves that our activities, advertising, and contracts will be based on transparency so that all parties concerned can make independent and sound decisions.

We respect differences

We are going to connect big operations with deep local roots and to be a bank with broad vision without losing sight of individuals.

We support equality

We undertake to exclude any discrimination from our actions and to respect differences based on gender, age, ethnicity, belief, political opinion, trade union membership, sexual orientation, language skills or disability.

We listen carefully

In our work we govern the value of each individual. We use attentive listening and dialogue as the main tools for constantly improving our relationship with all parties concerned.

We act responsibly

We are striving for the best and most efficient use of resources, avoiding overproduction of waste and flamboyance, and prioritizing choices that take into account sustainable development.



Combating money laundering and terrorist financing are particularly important especially because of the threat they pose to the whole society.

In order to prevent this negative phenomenon, we have created strict internal rules. Our rules are based on Slovak legislation and EU legislation, the FATF international recommendations, the recommendations of the Basel Committee on Banking Supervision and the Wolfsberg Principles.

Fundamental measures and actions aimed at preventing and detecting money laundering and terrorist financing are enshrined in the VÚB AML Guidelines.

More information can be found on the Combating money laundering and terrorism page.



In this section you can find information on the provision of investment services by VÚB. In accordance with Section 73p para. 6 of Act no. 566/2001 Coll. on Securities and Investment Services and on Amendments to Certain Laws as amended, the Bank, which, when providing investment services to clients, executes client instructions, is required to prepare and publish annually for each type of financial instruments a summary of the information from the five top performance points in terms of volumes of year-on-year trading where client orders were executed in the previous year, as well as data on the quality of the executed instructions. You can find the mentioned information in the document titled “Five Top Performance Points”

More information can be found on the Investor protection page.



We know that your privacy is important to you, and we also respect and protect it.

With your personal data and data which are subject to bank secrecy, we therefore handle with utmost care in accordance with the law and your knowledge.

At this point, in accordance with Art. 13 and 14 of the European Parliament and of the Council of the EU 2016/679 on the protection of individuals with regard to the processing of personal data and on the free movement of such data, repealing Directive 95/46/EC (the “GDPR”), we provide information on the processing of your personal data.

More information can be found on the Personal data protection page.

Needs our help?

We will answer to all your questions.