Q3 2022 Financial Performance Review
MKB
BANK
The strong growth reflects the impact of the acquisition of the Sberbank portfolio
Assets & Liabilities
STATEMENT OF BALANCE SHEET
MKB BANK
2022
(HUF) bn
2021
A%
A%
Q3
Q4
Q1
Q2
Q3
Y/Y
Q/Q
Financial assets
Trading portfolio
Securities
Loans and advances to customers (net)
Loan and advances to customers (gross)
Allowance for loan and lease losses
Other assets
TOTAL ASSETS
Interbank liabilities
Customer deposits
Debt securities issued
1915.5
128.5
2 844.9
2 342.5
193.9
2 689.1
1 838.0
1 634.0
1 624.9
-15.2%
-0.6%
337.6
420.11
569.3 1
343.0%
35.5%
3 120.8
3 281.1
3 484.7 I
22.5%
6.2%
4 173.8
4 260.7
4 454.8
4 472.9
4 839.8
16.0%
8.2%
4 317.6
4 428.7
4 615.7
4 640.5
5 036.9
16.7%
8.5%
-143.8
-168.0
-160.9
277.6
260.0
538.1
-167.61
381.71
-197.1 I
37.0%
17.6%
421.1 I
51.7%
10.3%
9 340.2
9 746.2
10 289.4
10 189.7 10 939.8
17.1%
7.4%
2 277.6
2 149.3
2 456.6
2 427.0
2 857.6 I
25.5%
17.7%
5 740.4
6 218.8
6 188.4
6 267.5
6 491.5
13.1%
3.6%
313.4
337.3
373.2
Other liabilities
313.8
348.8
559.4
Shareholders' equity
695.1
692.0
711.7
377.1
I
390.3 1
727.81 755.3
380.0
21.3%
0.8%
455.3
45.1%
16.7%
8.7%
3.8%
TOTAL LIABILITIES AND EQUITY
9 340.2
9 746.2 10 289.4 10 189.7' 10 939.8
17.1%
7.4%
Off-Balance sheet customer items (gross)
1 467.6
1 422.9
1 489.9
1 609.0 1586.6 |
8.1%
-1.4%
LTD - Loan-to-Deposit ratio
75.2%
Secutities ratio
Allowance for losses/Total assets
RWA/TA-RWA/Total assets
40.1%
CAR Capital adequacy ratio
LCR
NSFR
71.2% 74.6%
31.0% 28.0% 30.9%
-1.5% -1.7% -1.6%
37.9% 36.1%
16.2% 18.4% 17.6%
174.7% 315.7% 287.6%
129.8% 136.6% 132.1%
74.0%
77.6%
2.4%-p
32.6% 1
32.4%
1.3%-p
3.6%-p
-0.3%-p
-1.6%
-1.8% -0.3%-p
-0.2%-p
39.3%
37.5%
16.9% 16.3%
257.9% 205.8%
128.8% 126.5%
-2.6%-p
0.1%-p -0.6%-p
31.1%-p -52.1%-p
-3.3%-p -2.3%-p
-1.8%-p
Note: Merged Bank's financials for periods prior to Q2 2022 are calculated on a pro-forma basis
The growth of total assets during the last 12
months was mainly driven by the customer
loan portfolio (+16.0% y/y). The strong
yearly growth reflects the impact of the
acquisition of the Sberbank portfolio.
The total assets increased during 3Q 2022
(7.4% q/q) while customer deposits grew in
a stable rate (3.6% q/q)
The need for interbank financing increased
in 3Q 2022 significantly (17.7% q/q).
MKB Bank had a strong yearly increase of
customer deposit volumes (+13.1% y/y)
also.
Loan-to-deposit ratio showed a slight
increase, standing at 77.6% at the end 3Q
2022
The level of LCR (205.8%) and NSFR
(126.5%) ratios are well above the
regulatory minimum, assuring stable
liquidity position of MKB Bank.
30
30View entire presentation