Q3 2022 Financial Performance Review
MKB
Clients' savings increased by 10.4% annually, mainly driven by deposits
BANK Business Performance - Non-standard Business - Deposits and Savings
40
40
Non-standard business
Client savings (HUF bn)
Non-standard business -
Client deposits by type (HUF bn)
+10.44%
A Y/Y
AY/Y
4,485.4
4,518.2
4,520.3
4,196.5
76.4
165.8
69.5
237.5
229.z
213.4
211.1
4,634.7
213.8
235.5
+14.26%
+207.6%
3,335.6
217.
+8.5%
3,177.3
3,158.4
849.9
994.5
1,127.6
937.3
2,919.2
2,995.5
990.7
-14.2%
Non-standard business -
Number of active clients (thousands)
AY/Y
42.9
40.5
40.9
41.1
40.9
5.9
-1.3%
6.0
5.9
5.9
5.9
2,038.8 -2.9%
2,228.2
2,149.4
2,099.3
2,103.6
23.4
23.0
23.3
23.3
22.8
+1.8%
+14.3%
3,177.3
2,919.2
2,995.5
3,158.4 3,335.6
2.6
2.6
2.8
2.8
3.8
+46.6%
1,296.8 +58.2%
819.9
949.1
891.9
1,009.0
8.9
9.0
9.1
9.4
9.8
+9.0%
Q3 2021
Q4 2021 Q1 2022
Deposits
Q2 2022 Q3 2022
Investm. certificates (own)
Q3 2021
Q4 2021
Q1 2022
Q2 2022 Q3 2022
Government securities
Investm. certificates (external)
Q3 2021
Term
Sight
Q4 2021 Q1 2022
Medium business
Large business
Q2 2022 Q3 2022
Agriculture business
Private banking
Non-standard business savings in total increased by 10.4% y/y (+HUF 438.2 bn y/y), driven by the growth of 14.3% in deposits supported by the government programs
and partially by the moratorium induced lack of repayment.
Term deposit accounts for around 40% of the total non-standard business portfolio and increased by 58.2% compared to 3Q 2021 (+476.9 bn y/y). The amount of sight
deposits collected from non-standard business customers showed a slightly decrease of 2.9% (HUF -60.6 bn y/y).
MKB had 42.9 thousand active clients within its non-standard business line, representing an increase of over two thousand clients y/y despite the fierce competition on
the market.View entire presentation