Q3 2022 Financial Performance Review
MKB
BANK
Steadily strong capital position despite macroeconomic uncertainties
Capital Position
Development of Regulatory Capital (HUF bn)
CAR (%) and Total RWA (HUF bn)*
47
+7.85%
AY/Y
A Y/Y
620.7
29.1
606.0
37.1
679.9
46.1
676.4
75.4
3,473.0
3,746.2
3,692.6
669.4
4,004.4
4,107.1
+9.6%
RWA
76.2
+105.4%
17.9%
0.8%
16.2%
1.0%
18.4%
1.2%
16.9%
1.9%
16.3%
1.9%
633.9
591.6
601.0
593.3
+4.3%
568.9
17.0%
17.2%
15.2%
15.0%
14.4%
2020
Q3 2021
Q4 2021
Q2 2022
Q3 2022
2020
Q3 2021
Q4 2021
Q2 2022
Q3 2022
Tier 1
Tier 2
Tier 1
Tier 2
MKB's capital position stayed strong despite the prolonged effect of COVID-19 and the macroeconomic uncertainty caused by the Russia-Ukraine war. The Capital
adequacy ratio of 16.3% in Q3 2022, although showed a slight decrease of 0.6%p compared to the previous quarter due to the challenging business environment,
however improved by 0.1%p relative to Q3 2021.
Due to the increase in MKB's loan portfolio, the amount of RWA increased by HUF 102.7 bn q/q between Q2 2022 and Q3 2022. As well as by increase of cca. HUF 120
bn in credit-risk RWA caused by, inter alia, FX changes, increased interbank portfolio, IFRS discount.
* Please note, the Q2 2022 figures have been revised.View entire presentation