Q3 2022 Financial Performance Review
MKB
BANK
The Standard business segment's gross loan portfolio increased by 13.0%
Business Performance - Standard Business - Loans
Standard business loans
Gross volume (HUF bn)
Standard business loans
New loan disbursement (HUF bn)
AY/Y
AY/Y
1,875.2
1,659.6
1,714.0 1,744.4
1,743.8
149.7
+8.7%
134.4
211.3
140.4
216.5
147.5
145.4
146.0
238.1
226.3
228.1
221.2
221.7
192.2
-9.1%
40.9
52.5
52.3
+27.8%
160.7
152.5
71.8
25.0
24.0
94.6
+5.6%
83.1
+15.8%
1,313.9
1,357.1
1,375.7
1,376.7
1,387.3
27.0
41.4
Q3 2021 Q4 2021 Q1 2022 Q2 2022
Q3 2022
113.5
101.4
94.3
91.0
92.7
-18.3%
Q3 2021
Q4 2021
Q1 2022 Q2 2022
Q3 2022
Retail (Mass & Premium)
Micro business
Small business
Sberbank
portfolio
35
The total loans portfolio of standard business segment
increased by 13.0% y/y taking into account the impact of
the Sberbank portfolio.
Retail (Mass & Premium):
Business loan volumes increased organically by HUF
73.5 bn y/y (+5.6%) in the retail segment. In 2022 the
loan volumes stagnated, attributable to the slowing
loan market.
The volume of new loan contracted slightly exceeded
2Q level; an outstanding performance in an economic
slowdown.
Micro and small business:
The segment decreased by HUF 7.5 bn y/y due to
resegmentation to agribusiness.
Besides maintaining stable business operations;
business support and product development functions
were established on a group level and the sales
organization corresponding to the new structure was
set up.
Please note: Segmentation presented on charts in this section is based on internal business segmentation of MKB Bank, which differs from the segmentation of the Hungarian National Bank (NBH) presented on previous slides.View entire presentation