Investor Presentaiton
The Hungarian loan penetration levels are still low in regional comparison implying good volume growth potential.
This is also the case for Romania, as well as for the Bulgarian housing loan segment
Market penetration levels in Hungary in ...
Net loan to deposit ratio in the
Hungarian credit institution system¹
4Q 2021 data for other
CEE/CIS countries (in % of GDP)
168%
1Q 2009
85%
4Q 2021
39.3
Slovakia
10.5 Bulgaria
housing loans (in % of GDP)
29.3
Montenegro 9.0 Russia
27.7 Czechia
8.5
Romania
14.4 15.0 16.2 15.1
11.2 12.3
12.3
11.1 10.3 8.7 8.2
21.9
Serbia
7.8 Albania
7.7 7.7
7.6 8.3
8.4
20.5
Poland
4.8 Moldova
15.7
14.4
Croatia
Slovenia
0.5
Ukraine
consumer loans (incl. home equities) (in % of GDP)
17.0
Croatia
6.8
Czechia
15.4 15.0
12.7 13.2
12.7
13.5 Serbia
5.4
Romania
11.5
8.5
9.5
10.3
8.2
7.7 7.1 6.5
7.3
8.6 8.6
11.4
Poland
5.0
Slovenia
11.2
Bulgaria
4.1
Ukraine
10.1
Russia
4.4
Moldova
7.6
Slovakia
4.1 Albania
corporate loans (in % of GDP)
26.9 28.4 29.5 28.9 28.0 27.5
39.6
Russia
24.0
28.1
22.1
Bulgaria
20.2
18.5 Slovenia
Czechia
20.8
17.2 16.6 16.6 17.2 17.4
19.5 18.8
25.7
Montenegro 13.8
Ukraine
25.0
Serbia
22.1
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
20.7
Albania
22.3 Slovakia
Croatia
13.9 Poland
13.5 Moldova
12.6
Romania
1 Latest available data. According to the supervisory balance sheet data provision.
Cotpbank
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