Q3 2022 Financial Performance Review
MKB
BANK
Increasing market shares both in mortgage loans and personal loans
Business Performance - Standard Business - Loans
Retail mortgage loans -
Gross volume (HUF bn) and market share (%)
Retail mortgage loans - New loan disbursement (HUFbn)
and market shares (%)
16.4%
16.4%
16.4%
15.9%
16.1%
15.5%
14.3%
25.3*****
11.4%
8.0%
13.4%
865.9
890.3
895.7
892.2
891.2
58.2
54.6
42.2
36.1
38.3
Q3 2021
Q4 2021
Q1 2022
Q2 2022
Q3 2022
Q3 2021
Q4 2021
Q1 2022
Q2 2022
Q3 2022
Volume (organic)
Market share %
Sberbank portf.
Retail personal loans -
Gross volume (HUF bn) and market share (%)
-
Retail personal loans – New loan disbursement (HUFbn)
and market shares (%)
16.1%
12.0%
12.9%
13.0%
13.1%
12.9%
37.2
12.8%
36
Mortgage loans:
The volume of retail mortgage loans - taking into
account the Sberbank portfolio - significantly grew
on a y/y basis by HUF 50.6 bn. Market share of retail
mortgage loans reached 16.1%.
The volume of retail mortgage loan contracted
amounted to HUF 38.3 bn in 3Q 2022.
Personal loans:
13.4%
13.0%
11.2%
146.1
149.8
153.7
158.8
165.9
16.5
14.4
15.9
16.9
17.0
Q3 2021
Q4 2021
Q1 2022
Q2 2022
Q3 2022
Volume (organic)
Sberbank portf.
Market share %
Q3 2021
Q4 2021
New disbursements
Q1 2022
Q2 2022
Q3 2022
Market share %
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.
Retail mortgage market share is presented based on NBH's secured market.
The volume of personal loans increased. The Bank
maintained and increased its market shares with the
Sberbank portfolio. (Excluding the impact of the
acquisition of the Sberbank portfolio, the personal
loan market share reached 13.1%).View entire presentation