{"id":120843,"date":"2019-10-30T11:51:04","date_gmt":"2019-10-30T09:51:04","guid":{"rendered":"http:\/\/gazdasagportal.hu\/?p=120843"},"modified":"2019-10-30T12:00:08","modified_gmt":"2019-10-30T10:00:08","slug":"az-erste-csoport-1233-milliard-euro-netto-eredmenyt-ert-el-2019-elso-kilenc-honapjaban","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/az-erste-csoport-1233-milliard-euro-netto-eredmenyt-ert-el-2019-elso-kilenc-honapjaban\/","title":{"rendered":"Az Erste Csoport 1,233 milli\u00e1rd eur\u00f3 nett\u00f3 eredm\u00e9nyt \u00e9rt el 2019 els\u0151 kilenc h\u00f3napj\u00e1ban"},"content":{"rendered":"<p><strong><em>\u201eTov\u00e1bbra is nagyon j\u00f3 eredm\u00e9nyeket \u00e9rt\u00fcnk el a harmadik negyed\u00e9vben, hiszen a hitelez\u00e9si tev\u00e9kenys\u00e9g \u00e9s a bet\u00e9t\u00e1llom\u00e1ny is eg\u00e9szs\u00e9ges m\u00e9rt\u00e9kben b\u0151v\u00fclt (\u00e9ves \u00f6sszehasonl\u00edt\u00e1sban 5,7, illetve 6,1 sz\u00e1zal\u00e9kkal), valamint likvidit\u00e1si \u00e9s finansz\u00edroz\u00e1si poz\u00edci\u00f3nk is kiv\u00e1l\u00f3an alakult. Az idei \u00e9v els\u0151 kilenc h\u00f3napj\u00e1ban az Erste Csoport \u00f6sszess\u00e9g\u00e9ben 1,223 milli\u00e1rd eur\u00f3s nett\u00f3 eredm\u00e9nyt \u00e9rt el. S\u0151t, a Kelet-K\u00f6z\u00e9p-Eur\u00f3p\u00e1ban tapasztalt \u00e1ltal\u00e1nos b\u00e9rn\u00f6veked\u00e9s \u00e9s a besz\u00e1mol\u00e1si id\u0151szakban a bet\u00e9tbiztos\u00edt\u00e1si alapokba t\u00f6rt\u00e9nt nagyobb m\u00e9rt\u00e9k\u0171 hozz\u00e1j\u00e1rul\u00e1sunk ellen\u00e9re bev\u00e9teleink nagyobb m\u00e9rt\u00e9kben n\u0151ttek, mint a k\u00f6lts\u00e9geink. Ennek eredm\u00e9nyek\u00e9nt k\u00f6lts\u00e9g\/bev\u00e9tel r\u00e1t\u00e1nk 58,6 sz\u00e1zal\u00e9kra javult. A kelet-k\u00f6z\u00e9p-eur\u00f3pai gazdas\u00e1gok kitart\u00f3 lend\u00fclete is hozz\u00e1j\u00e1rult ahhoz, hogy a r\u00e9gi\u00f3 kock\u00e1zati k\u00f6rnyezete kiv\u00e9telesen t\u00e1mogat\u00f3 maradt. A nem teljes\u00edt\u0151 hitelek ar\u00e1nya tov\u00e1bb javulva 2,7 sz\u00e1zal\u00e9kra apadt, j\u00f3l t\u00fckr\u00f6zve a bankcsoport eg\u00e9szs\u00e9ges eszk\u00f6zmin\u0151s\u00e9g\u00e9t. <\/em><\/strong><!--more--><\/p>\n<div class=\"ads-in-post1\"><div id=\"gazdasagportal.hu_fullbanner_wideboard\"><\/div>\r\n<\/div>\n<p><em>\u00a0<\/em><\/p>\n<p><em>Az elm\u00falt \u00e9vekben el\u00e9rt stabil organikus n\u00f6veked\u00e9snek k\u00f6sz\u00f6nhet\u0151en az Erste Csoport t\u0151keb\u00e1zisa igen szil\u00e1rd maradt, amit tov\u00e1bbi Tier-1 t\u0151ke sikeres piaci kibocs\u00e1t\u00e1sa is t\u00e1mogatott. A harmadik negyed\u00e9vre elsz\u00e1molt eredm\u00e9nytartal\u00e9kot is figyelembe v\u00e9ve (ide\u00e9rtve az elhat\u00e1rolt osztal\u00e9kot is), els\u0151dleges alapt\u0151k\u00e9nk 13,5 sz\u00e1zal\u00e9kon \u00e1llt szeptember v\u00e9g\u00e9n, megfelelve a CET1 m\u00e9rt\u00e9k\u00e9re vonatkoz\u00f3 bels\u0151 c\u00e9lkit\u0171z\u00e9s\u00fcnknek.<\/em><\/p>\n<p><em>\u00a0<\/em><\/p>\n<p><em>Kelet-K\u00f6z\u00e9p-Eur\u00f3pa tov\u00e1bbra is a kontinens gazdas\u00e1gi n\u00f6veked\u00e9s\u00e9nek megk\u00e9rd\u0151jelezhetetlen hajt\u00f3ereje marad, az Erste Csoport a r\u00e9gi\u00f3 vezet\u0151 p\u00e9nzint\u00e9zetek\u00e9nt pedig kiv\u00e1l\u00f3 helyzetben van ahhoz, hogy t\u00e1mogassa ezt a trendet. J\u00f3llehet a vil\u00e1g t\u00f6bb pontj\u00e1n is egyre sokasodnak a gazdas\u00e1gi n\u00f6veked\u00e9s visszaes\u00e9s\u00e9re utal\u00f3 jelek, mi tov\u00e1bbra is magabiztosan \u00e1ll\u00edtjuk, hogy Kelet-K\u00f6z\u00e9p-Eur\u00f3pa teljes\u00edtm\u00e9nye fel\u00fclm\u00falja az eur\u00f3z\u00f3n\u00e1\u00e9t, \u00e9s a r\u00e9gi\u00f3ban tapasztalt gazdas\u00e1gi n\u00f6veked\u00e9s fenntarthat\u00f3bbnak bizonyul, mint a 2000-es \u00e9vekben\u201d<\/em> <strong>\u2013<\/strong> jelentette ki Andreas Treichl, az Erste Group Bank AG vez\u00e9rigazgat\u00f3ja.<\/p><div id=\"gazda-3626523276\" class=\"gazda-tartalomban gazda-entity-placement\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-layout-key=\"-6t+ed+2i-1n-4w\"\r\n     data-ad-client=\"ca-pub-1959107119989764\"\r\n     data-ad-slot=\"4008251320\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h3>A F\u0150BB EREDM\u00c9NYEK<\/h3>\n<p>Az eredm\u00e9nykimutat\u00e1sban a 2019. janu\u00e1r \u00e9s szeptember k\u00f6zti id\u0151szak eredm\u00e9nyeit a 2018. janu\u00e1r-szeptemberi id\u0151szakkal vetj\u00fck \u00f6ssze, a m\u00e9rleg t\u00e9telein\u00e9l pedig a 2019. szeptember 30.-i adatokat a 2018. december 31.-i poz\u00edci\u00f3kkal.<\/p>\n<p>&nbsp;<\/p>\n<p>A <strong>nett\u00f3 kamatbev\u00e9tel <\/strong>4,3 sz\u00e1zal\u00e9kkal b\u0151v\u00fclve 3372,0 milli\u00f3 eur\u00f3r\u00f3l 3517,4 milli\u00f3 eur\u00f3ra n\u0151tt els\u0151sorban a cseh, valamint a rom\u00e1n \u00e9s a magyar le\u00e1nyv\u00e1llalatoknak k\u00f6sz\u00f6nhet\u0151en. A <strong>nett\u00f3 d\u00edj- \u00e9s jutal\u00e9kbev\u00e9tel <\/strong>1430,7 milli\u00f3 eur\u00f3r\u00f3l 1484,3 milli\u00f3 eur\u00f3ra emelkedett a p\u00e9nzforgalmi szolg\u00e1ltat\u00e1sok, valamint a hitelez\u00e9s \u00e9s vagyonkezel\u00e9s b\u0151v\u00fcl\u00e9se nyom\u00e1n (ez 3,7 sz\u00e1zal\u00e9kos n\u00f6veked\u00e9snek felel meg). J\u00f3llehet a <strong>keresked\u00e9si tev\u00e9kenys\u00e9g nett\u00f3 eredm\u00e9nye <\/strong>jelent\u0151s m\u00e9rt\u00e9kben javult \u00e9s 419,3 milli\u00f3 eur\u00f3t tett ki (-50,4 milli\u00f3 eur\u00f3r\u00f3l), a <strong>piaci \u00e9rt\u00e9ken nyilv\u00e1ntartott p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6k nyeres\u00e9ge\/vesztes\u00e9ge<\/strong> -189,4 milli\u00f3 eur\u00f3ra esett vissza (165,8 milli\u00f3 eur\u00f3r\u00f3l). Mindk\u00e9t t\u00e9tel alakul\u00e1s\u00e1t \u00e1t\u00e9rt\u00e9kel\u00e9si hat\u00e1sok befoly\u00e1solt\u00e1k. A <strong>m\u0171k\u00f6d\u00e9si bev\u00e9tel <\/strong>5394,1 milli\u00f3 eur\u00f3ra n\u0151tt (5096,2 eur\u00f3r\u00f3l), ami 5,8 sz\u00e1zal\u00e9kos b\u0151v\u00fcl\u00e9st jelent. Az <strong>\u00e1ltal\u00e1nos igazgat\u00e1si k\u00f6lts\u00e9gek<\/strong> 1,9 sz\u00e1zal\u00e9kkal 3160,8 milli\u00f3 eur\u00f3ra n\u0151ttek (3102,3 milli\u00f3 eur\u00f3r\u00f3l), legink\u00e1bb a szem\u00e9lyi r\u00e1ford\u00edt\u00e1sok \u00a03,1 sz\u00e1zal\u00e9kos emelked\u00e9se miatt, amelyek 1887,2 milli\u00f3 eur\u00f3t tettek ki (1830,5 milli\u00f3 eur\u00f3 ut\u00e1n). Az egy\u00e9b igazgat\u00e1si k\u00f6lts\u00e9gek k\u00f6z\u00f6tt szerepel a bet\u00e9tbiztos\u00edt\u00e1si alapokba 2019. \u00e9vre v\u00e1rhat\u00f3 hozz\u00e1j\u00e1rul\u00e1s szinte teljes eg\u00e9sze 97,7 milli\u00f3 eur\u00f3 \u00e9rt\u00e9kben (egy \u00e9vvel kor\u00e1bban ez a t\u00e9tel 84,2 milli\u00f3 eur\u00f3t tett ki). Az amortiz\u00e1ci\u00f3 \u00e9s \u00e9rt\u00e9kcs\u00f6kken\u00e9s 394,4 milli\u00f3 eur\u00f3ra n\u0151tt (350,3 milli\u00f3 eur\u00f3r\u00f3l), ami a 2019. janu\u00e1r 1.-j\u00e9vel k\u00f6telez\u0151en alkalmazand\u00f3 \u00faj nemzetk\u00f6zi p\u00e9nz\u00fcgyi besz\u00e1mol\u00e1si szabv\u00e1ny, az IFRS 16 bevezet\u00e9s\u00e9nek tulajdon\u00edthat\u00f3,\u00a0\u00e1m ugyanez hasonl\u00f3 m\u00e9rt\u00e9k\u0171 pozit\u00edv hat\u00e1st jelentett az egy\u00e9b igazgat\u00e1si k\u00f6lts\u00e9gekn\u00e9l. \u00d6sszess\u00e9g\u00e9ben a <strong>m\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/strong> 2233,3 milli\u00f3 eur\u00f3ra n\u0151tt (1993,9 milli\u00f3 eur\u00f3r\u00f3l), ami 12,0 sz\u00e1zal\u00e9kos b\u0151v\u00fcl\u00e9st jelent. A <strong>k\u00f6lts\u00e9g\/bev\u00e9tel r\u00e1ta<\/strong> 58,6 sz\u00e1zal\u00e9kra javult (60,9 sz\u00e1zal\u00e9kr\u00f3l).<br \/>\n<div class=\"ads-in-post2\"><script async src=\"https:\/\/pagead2.googlesyndication.com\/pagead\/js\/adsbygoogle.js\"><\/script>\r\n<ins class=\"adsbygoogle\"\r\n     style=\"display:block\"\r\n     data-ad-format=\"fluid\"\r\n     data-ad-layout-key=\"-6t+ed+2i-1n-4w\"\r\n     data-ad-client=\"ca-pub-1959107119989764\"\r\n     data-ad-slot=\"4008251320\"><\/ins>\r\n<script>\r\n     (adsbygoogle = window.adsbygoogle || []).push({});\r\n<\/script><\/div>\n<p>A<strong> p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6kre elsz\u00e1molt nett\u00f3 \u00e9rt\u00e9kveszt\u00e9s<\/strong> 42,9 milli\u00f3 eur\u00f3t tett ki, k\u00f6sz\u00f6nhet\u0151en a stabil eszk\u00f6zmin\u0151s\u00e9g folyt\u00e1n v\u00e9grehajtott nett\u00f3 kock\u00e1zati tartal\u00e9k-felszabad\u00edt\u00e1snak. A ny\u00fajtott garanci\u00e1k \u00e9s k\u00f6telezetts\u00e9gv\u00e1llal\u00e1sok nett\u00f3 tartal\u00e9kk\u00e9pz\u00e9s\u00e9vel korrig\u00e1ltan ez az \u00e1tlagos brutt\u00f3 \u00fcgyf\u00e9lhitelek \u00e1llom\u00e1ny\u00e1nak ar\u00e1ny\u00e1ban 3 b\u00e1zispontot tett ki (szemben az el\u0151z\u0151 \u00e9vi 102,2 milli\u00f3 eur\u00f3val, illetve -9 b\u00e1zisponttal).<\/p>\n<p>Ez f\u0151k\u00e9nt annak tulajdon\u00edthat\u00f3, hogy jelent\u0151s m\u00e9rt\u00e9k\u0171 megt\u00e9r\u00fcl\u00e9st siker\u00fclt el\u00e9rni m\u00e1r le\u00edrt hiteleken, els\u0151sorban Csehorsz\u00e1gban, Magyarorsz\u00e1gon \u00e9s Rom\u00e1ni\u00e1ban, illetve egy\u00e9b k\u00f6telezetts\u00e9ghez \u00e9s ny\u00fajtott garanci\u00e1khoz k\u00f6t\u0151d\u0151 c\u00e9ltartal\u00e9k-felszabad\u00edt\u00e1s t\u00f6rt\u00e9nt Ausztri\u00e1ban, Csehorsz\u00e1gban \u00e9s Rom\u00e1ni\u00e1ban. A <strong>nem teljes\u00edt\u0151 hitelek ar\u00e1nya<\/strong>\u00a0 2,7 sz\u00e1zal\u00e9kot tett ki (az el\u0151z\u0151 id\u0151szaki 3,2 sz\u00e1zal\u00e9k ut\u00e1n). Az <strong>NPL-fedezeti r\u00e1ta<\/strong>\u00a0 76,9 sz\u00e1zal\u00e9kra n\u0151tt (73,4 sz\u00e1zal\u00e9kr\u00f3l).<\/p>\n<p>&nbsp;<\/p>\n<p>Az <strong>egy\u00e9b m\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/strong> -397,2 milli\u00f3 eur\u00f3 lett (-237,0 milli\u00f3 eur\u00f3 ut\u00e1n). A visszaes\u00e9sben szerepet j\u00e1tszott a rom\u00e1n m\u00e1sodfok\u00fa b\u00edr\u00f3s\u00e1gnak a helyi l\u00e1nyv\u00e1llalat \u00fczleti tev\u00e9kenys\u00e9g\u00e9re vonatkoz\u00f3 d\u00f6nt\u00e9se miatt v\u00e1rhat\u00f3 vesztes\u00e9gre elk\u00fcl\u00f6n\u00edtett 150,8 milli\u00f3 eur\u00f3s c\u00e9ltartal\u00e9k. A szan\u00e1l\u00e1si alapokba fizetend\u0151 \u00e9ves hozz\u00e1j\u00e1rul\u00e1s 75,3 milli\u00f3 eur\u00f3ra emelkedett (70,4 milli\u00f3 eur\u00f3r\u00f3l) f\u0151leg a csehorsz\u00e1gi m\u00e9rt\u00e9k n\u00f6veked\u00e9s\u00e9nek tulajdon\u00edthat\u00f3an. A bankad\u00f3k \u00e9s tranzakci\u00f3s illet\u00e9kek kism\u00e9rt\u00e9kben, 90,9 milli\u00f3 eur\u00f3ra n\u0151ttek (88,1 milli\u00f3 eur\u00f3r\u00f3l), ide\u00e9rtve a 2019. p\u00e9nz\u00fcgyi \u00e9v eg\u00e9sz\u00e9re el\u0151zetesen elsz\u00e1molt magyarorsz\u00e1gi bankad\u00f3t 12,6 milli\u00f3 eur\u00f3 \u00e9rt\u00e9kben (az el\u0151z\u0151 id\u0151szakban ez 13,8 milli\u00f3 eur\u00f3t tett ki). Az egy\u00e9b ad\u00f3k 8,3 milli\u00f3 eur\u00f3t tettek ki (6,4 milli\u00f3 eur\u00f3 ut\u00e1n).<\/p>\n<p>&nbsp;<\/p>\n<p>A takar\u00e9kp\u00e9nzt\u00e1rak jelent\u0151s m\u00e9rt\u00e9kben javul\u00f3 teljes\u00edtm\u00e9ny\u00e9nek k\u00f6sz\u00f6nhet\u0151en a kisebbs\u00e9gi r\u00e9szesed\u00e9sek ut\u00e1ni nyeres\u00e9g 322,7 milli\u00f3 eur\u00f3ra n\u0151tt (285,8 milli\u00f3 eur\u00f3r\u00f3l). Az <strong>anyav\u00e1llalatra jut\u00f3 nett\u00f3 eredm\u00e9ny <\/strong>1223,0 milli\u00f3 eur\u00f3 tett ki (ami 0,4 sz\u00e1zal\u00e9kkal alacsonyabb a b\u00e1zisid\u0151szaki 1,228.3 milli\u00f3 eur\u00f3n\u00e1l).<\/p>\n<p>&nbsp;<\/p>\n<p>A bankcsoport <strong>saj\u00e1t t\u0151k\u00e9je<\/strong> \u2013 a kieg\u00e9sz\u00edt\u0151 alapvet\u0151 t\u0151keinstrumentumok (AT1) n\u00e9lk\u00fcl sz\u00e1m\u00edtva \u2013 18,6 milli\u00e1rd eur\u00f3ra n\u0151tt (17,9 milli\u00e1rd eur\u00f3r\u00f3l). A szab\u00e1lyoz\u00f3i levon\u00e1sokat \u00e9s a CRR szerinti kiigaz\u00edt\u00e1st k\u00f6vet\u0151en az <strong>els\u0151dleges alapvet\u0151 t\u0151ke<\/strong> (CET1, v\u00e9gleges) 15,9 milli\u00e1rd eur\u00f3t tett ki (a megel\u0151z\u0151 \u00e9vben 15,5 milli\u00e1rd eur\u00f3t), a bankcsoport \u00f6sszes <strong>szavatol\u00f3 t\u0151k\u00e9je<\/strong> pedig 21,5 milli\u00e1rd eur\u00f3 lett (20,9 milli\u00e1rd eur\u00f3val szemben). A fenti adatokban m\u00e1r szerepel az els\u0151 f\u00e9l\u00e9vben el\u00e9rt nyeres\u00e9g, de a harmadik negyed\u00e9v eredm\u00e9nye nem. Az \u00f6sszes kock\u00e1zati kitetts\u00e9g, azaz a <strong>kock\u00e1zattal s\u00falyozott eszk\u00f6z\u00f6k<\/strong> volumene \u2013 ide\u00e9rtve a hitelez\u00e9si, a piaci \u00e9s a m\u0171k\u00f6d\u00e9si kock\u00e1zatokat, v\u00e9gleges CRR szerint \u2013 121,4 milli\u00e1rd eur\u00f3ra n\u0151tt (115,4 milli\u00e1rd eur\u00f3r\u00f3l). Az <strong>els\u0151dleges Tier-1 t\u0151ker\u00e1ta <\/strong>(CET1, v\u00e9gleges) 13,1 sz\u00e1zal\u00e9kon \u00e1llt (13,5 sz\u00e1zal\u00e9k ut\u00e1n), a <strong>teljes t\u0151ker\u00e1ta <\/strong>pedig 17,7 sz\u00e1zal\u00e9k lett (18,1 sz\u00e1zal\u00e9k ut\u00e1n).<\/p>\n<p>&nbsp;<\/p>\n<p>A bankcsoport <strong>m\u00e9rlegf\u0151\u00f6sszege <\/strong>252,1 milli\u00e1rd eur\u00f3ra n\u0151tt az el\u0151z\u0151 \u00e9v v\u00e9gi 236,8 milli\u00e1rd eur\u00f3r\u00f3l. Eszk\u00f6zoldalon a k\u00e9szp\u00e9nz- \u00e9s p\u00e9nzeszk\u00f6z\u00f6k 15,6 milli\u00e1rd eur\u00f3ra cs\u00f6kkentek (17,5 milli\u00e1rd eur\u00f3r\u00f3l), ugyanakkor a hitelint\u00e9zeteknek ny\u00fajtott hitelek \u00e9s m\u00e1s kintl\u00e9v\u0151s\u00e9gek \u00e1llom\u00e1nya 25,2 milli\u00e1rd eur\u00f3ra n\u0151tt (19,1 milli\u00e1rd eur\u00f3r\u00f3l). Az <strong>\u00fcgyfeleknek ny\u00fajtott hitelek \u00e9s k\u00f6vetel\u00e9sek \u00e1llom\u00e1nya<\/strong> 157,8 milli\u00e1rd eur\u00f3ra n\u0151tt (149,3 milli\u00e1rd eur\u00f3r\u00f3l), ez 5,7 sz\u00e1zal\u00e9kos gyarapod\u00e1st jelent. Forr\u00e1soldalon a <strong>hitelint\u00e9zetek \u00e1ltal elhelyezett bet\u00e9tek<\/strong> 19,9 milli\u00e1rd eur\u00f3ra n\u0151ttek (17,7 milli\u00e1rd eur\u00f3r\u00f3l), \u00e9s az <strong>\u00fcgyf\u00e9lbet\u00e9tek<\/strong> \u00e1llom\u00e1nya is tov\u00e1bb n\u0151tt, 6,1 sz\u00e1zal\u00e9kos b\u0151v\u00fcl\u00e9ssel 172,5 milli\u00e1rd eur\u00f3 lett (162,6 milli\u00f3 eur\u00f3 ut\u00e1n), els\u0151sorban a csehorsz\u00e1gi \u00e9s ausztriai oper\u00e1ci\u00f3 hozz\u00e1j\u00e1rul\u00e1sa nyom\u00e1n. A <strong>hitel\/bet\u00e9t r\u00e1ta<\/strong> 91,5 sz\u00e1zal\u00e9kon \u00e1llt (91,8 sz\u00e1zal\u00e9k ut\u00e1n).<\/p>\n<p>&nbsp;<\/p>\n<h3>Kil\u00e1t\u00e1sok<\/h3>\n<p>&nbsp;<\/p>\n<p>A m\u0171k\u00f6d\u00e9si k\u00f6rnyezet v\u00e1rhat\u00f3an t\u00e1mogatja a hitelez\u00e9s b\u0151v\u00fcl\u00e9s\u00e9t.<\/p>\n<p>El\u0151rejelz\u00e9s\u00fcnk szerint a re\u00e1lgazdas\u00e1gi n\u00f6veked\u00e9s 2019-ben 3-4 sz\u00e1zal\u00e9k lesz az Erste Csoport kelet-k\u00f6z\u00e9p-eur\u00f3pai els\u0151dleges piacain, valamint 2 sz\u00e1zal\u00e9k k\u00f6r\u00fcli Ausztri\u00e1ban, amit tov\u00e1bbra is els\u0151sorban a jelent\u0151s belf\u00f6ldi kereslet t\u00e1pl\u00e1l. Kelet-K\u00f6z\u00e9p-Eur\u00f3p\u00e1ban a gazdas\u00e1gi b\u0151v\u00fcl\u00e9st a v\u00e1rakoz\u00e1sok szerint a re\u00e1lb\u00e9rek n\u00f6veked\u00e9se \u00e9s a munkan\u00e9lk\u00fclis\u00e9g alacsony szintje is t\u00e1mogatja. A k\u00f6lts\u00e9gvet\u00e9si fegyelem v\u00e1rhat\u00f3an er\u0151s marad szerte a kelet-k\u00f6z\u00e9p-eur\u00f3pai r\u00e9gi\u00f3ban.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u00dczleti kil\u00e1t\u00e1sok.<\/strong> Az Erste Csoport 11 sz\u00e1zal\u00e9kot meghalad\u00f3 ROTE (t\u0151kear\u00e1nyos megt\u00e9r\u00fcl\u00e9s) el\u00e9r\u00e9s\u00e9t t\u0171zte ki 2019 eg\u00e9sz\u00e9re (az \u00e1tlagos t\u0151ke 2019. \u00e9vi m\u00e9rt\u00e9ke alapj\u00e1n). A c\u00e9lkit\u0171z\u00e9st al\u00e1t\u00e1maszt\u00f3 felt\u00e9telez\u00e9sek k\u00f6z\u00f6tt szerepel, hogy a bev\u00e9telek nagyobb m\u00e9rt\u00e9kben n\u0151nek, mint a kiad\u00e1sok (felt\u00e9telezve, hogy a nett\u00f3 hitel\u00e1llom\u00e1ny az egysz\u00e1mjegy\u0171 sk\u00e1la k\u00f6zepe fel\u00e9 tal\u00e1lhat\u00f3 \u00e9rt\u00e9kkel b\u0151v\u00fcl), valamint, hogy a kock\u00e1zati k\u00f6lts\u00e9gek is emelkednek, \u00e1m m\u00e9g \u00edgy is historikusan kedvez\u0151 szinten (legfeljebb 10 b\u00e1zisponton) maradnak, emellett az ad\u00f3r\u00e1ta 20 sz\u00e1zal\u00e9k alatt lesz.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Az el\u0151rejelz\u00e9s megval\u00f3sul\u00e1s\u00e1nak kock\u00e1zata.<\/strong> A v\u00e1rtt\u00f3l elt\u00e9r\u0151 fejlem\u00e9nyek a kamatpolitik\u00e1ban, valamint a bankok k\u00e1r\u00e1ra \u00e9letbe l\u00e9ptetett politikai, vagy szab\u00e1lyoz\u00f3i int\u00e9zked\u00e9sek, tov\u00e1bb\u00e1 geopolitikai \u00e9s vil\u00e1ggazdas\u00e1gi kock\u00e1zatok.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong>P\u00e9nz\u00fcgyI adatok<\/strong><\/p>\n<p><u>\u00a0<\/u><\/p>\n<p><u>\u00a0<\/u><\/p>\n<p><u>\u00a0<\/u><\/p>\n<table width=\"665\">\n<tbody>\n<tr>\n<td width=\"289\"><strong>Eredm\u00e9nykimutat\u00e1s<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>milli\u00f3 eur\u00f3ban<\/strong><\/td>\n<td width=\"71\"><strong>Q3 18<\/strong><\/td>\n<td width=\"71\"><strong>Q2 19<\/strong><\/td>\n<td width=\"71\"><strong>Q3 19<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>1-9 18<\/strong><\/td>\n<td width=\"71\"><strong>1-9 19<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Nett\u00f3 kamatbev\u00e9tel<\/td>\n<td width=\"71\">1,158.2<\/td>\n<td width=\"71\">1,168.8<\/td>\n<td width=\"71\">1,187.7<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">3,372.0<\/td>\n<td width=\"71\">3,517.4<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Nett\u00f3 d\u00edj- \u00e9s jutal\u00e9kbev\u00e9tel<\/td>\n<td width=\"71\">471.4<\/td>\n<td width=\"71\">492.7<\/td>\n<td width=\"71\">503.9<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">1,430.7<\/td>\n<td width=\"71\">1,484.3<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Keresked\u00e9si tev\u00e9kenys\u00e9g nett\u00f3 eredm\u00e9nye<\/td>\n<td width=\"71\">36.9<\/td>\n<td width=\"71\">93.7<\/td>\n<td width=\"71\">60.0<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">115.4<\/td>\n<td width=\"71\">229.9<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">M\u0171k\u00f6d\u00e9si bev\u00e9tel<\/td>\n<td width=\"71\">1,722.1<\/td>\n<td width=\"71\">1,821.2<\/td>\n<td width=\"71\">1,801.2<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">5,096.2<\/td>\n<td width=\"71\">5,394.1<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">M\u0171k\u00f6d\u00e9si kiad\u00e1sok<\/td>\n<td width=\"71\">-1,025.8<\/td>\n<td width=\"71\">-1,030.4<\/td>\n<td width=\"71\">-1,014.9<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">-3,102.3<\/td>\n<td width=\"71\">-3,160.8<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>M\u0171k\u00f6d\u00e9si eredm\u00e9ny <\/strong><\/td>\n<td width=\"71\"><strong>696.3<\/strong><\/td>\n<td width=\"71\"><strong>790.9<\/strong><\/td>\n<td width=\"71\"><strong>786.4<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>1,993.9<\/strong><\/td>\n<td width=\"71\"><strong>2,233.3<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">\u00c9rt\u00e9kveszt\u00e9s a nem val\u00f3s \u00e9rt\u00e9ken \u00e9rt\u00e9kelt p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6kre<\/td>\n<td width=\"71\">28.9<\/td>\n<td width=\"71\">7.1<\/td>\n<td width=\"71\">0.1<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">102.2<\/td>\n<td width=\"71\">42.9<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>C\u00e9ltartal\u00e9kol\u00e1s ut\u00e1ni m\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/strong><\/td>\n<td width=\"71\"><strong>725.2<\/strong><\/td>\n<td width=\"71\"><strong>797.9<\/strong><\/td>\n<td width=\"71\"><strong>786.5<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>2,096.1<\/strong><\/td>\n<td width=\"71\"><strong>2,276.2<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Egy\u00e9b m\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/td>\n<td width=\"71\">-32.4<\/td>\n<td width=\"71\">-219.9<\/td>\n<td width=\"71\">-46.2<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">-237.0<\/td>\n<td width=\"71\">-397.2<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Banki tev\u00e9kenys\u00e9gre kivetett ad\u00f3k<\/td>\n<td width=\"71\">-24.8<\/td>\n<td width=\"71\">-25.9<\/td>\n<td width=\"71\">-26.2<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">-88.1<\/td>\n<td width=\"71\">-90.9<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Folytat\u00f3d\u00f3 tev\u00e9kenys\u00e9g ad\u00f3z\u00e1s el\u0151tti eredm\u00e9nye<\/td>\n<td width=\"71\">694.3<\/td>\n<td width=\"71\">588.0<\/td>\n<td width=\"71\">746.8<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">1,869.0<\/td>\n<td width=\"71\">1,896.6<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Bev\u00e9telt terhel\u0151 ad\u00f3k<\/td>\n<td width=\"71\">-120.0<\/td>\n<td width=\"71\">-117.2<\/td>\n<td width=\"71\">-138.2<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">-355.0<\/td>\n<td width=\"71\">-350.9<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Az id\u0151szak nett\u00f3 eredm\u00e9nye<\/strong><\/td>\n<td width=\"71\"><strong>574.2<\/strong><\/td>\n<td width=\"71\"><strong>470.8<\/strong><\/td>\n<td width=\"71\"><strong>608.6<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>1,514.0<\/strong><\/td>\n<td width=\"71\"><strong>1,545.7<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Kisebbs\u00e9gi \u00e9rdekelts\u00e9gekre jut\u00f3 nett\u00f3 eredm\u00e9ny<\/td>\n<td width=\"71\">120.3<\/td>\n<td width=\"71\">115.9<\/td>\n<td width=\"71\">117.6<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">285.8<\/td>\n<td width=\"71\">322.7<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Anyav\u00e1llalatra jut\u00f3 eredm\u00e9ny<\/strong><\/td>\n<td width=\"71\"><strong>454.0<\/strong><\/td>\n<td width=\"71\"><strong>354.9<\/strong><\/td>\n<td width=\"71\"><strong>491.1<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>1,228.3<\/strong><\/td>\n<td width=\"71\"><strong>1,223.0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">R\u00e9szv\u00e9nyenk\u00e9nti megt\u00e9r\u00fcl\u00e9s<\/td>\n<td width=\"71\">1.06<\/td>\n<td width=\"71\">0.74<\/td>\n<td width=\"71\">1.15<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">2.79<\/td>\n<td width=\"71\">2.78<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">T\u0151kemegt\u00e9r\u00fcl\u00e9si r\u00e1ta (ROE)<\/td>\n<td width=\"71\">14.4%<\/td>\n<td width=\"71\">9.3%<\/td>\n<td width=\"71\">14.3%<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">12.5%<\/td>\n<td width=\"71\">11.6%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Nett\u00f3 kamatk\u00fcl\u00f6nb\u00f6zet (\u00e1tlagos kamatoz\u00f3 eszk\u00f6z\u00f6kre vet\u00edtve)<\/td>\n<td width=\"71\">2.27%<\/td>\n<td width=\"71\">2.18%<\/td>\n<td width=\"71\">2.14%<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">2.29%<\/td>\n<td width=\"71\">2.17%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">K\u00f6lts\u00e9g\/bev\u00e9tel ar\u00e1ny<\/td>\n<td width=\"71\">59.6%<\/td>\n<td width=\"71\">56.6%<\/td>\n<td width=\"71\">56.3%<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">60.9%<\/td>\n<td width=\"71\">58.6%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">C\u00e9ltartal\u00e9kol\u00e1si r\u00e1ta (\u00e1tlagos brutt\u00f3 \u00fcgyf\u00e9lhitel-\u00e1llom\u00e1nyra vet\u00edtve)<\/td>\n<td width=\"71\">-0.02%<\/td>\n<td width=\"71\">0.03%<\/td>\n<td width=\"71\">0.05%<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">-0.08%<\/td>\n<td width=\"71\">0.03%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Ad\u00f3r\u00e1ta<\/td>\n<td width=\"71\">17.3%<\/td>\n<td width=\"71\">19.9%<\/td>\n<td width=\"71\">18.5%<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">19.0%<\/td>\n<td width=\"71\">18.5%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>M\u00e9rlegadatok<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Milli\u00f3 eur\u00f3ban<\/strong><\/td>\n<td width=\"71\"><strong>Sep 18<\/strong><\/td>\n<td width=\"71\"><strong>Jun 19<\/strong><\/td>\n<td width=\"71\"><strong>Sep 19<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>Dec 18<\/strong><\/td>\n<td width=\"71\"><strong>Sep 19<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">K\u00e9szp\u00e9nz \u00e9s p\u00e9nzeszk\u00f6z\u00f6k<\/td>\n<td width=\"71\">15,237<\/td>\n<td width=\"71\">16,843<\/td>\n<td width=\"71\">15,638<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">17,549<\/td>\n<td width=\"71\">15,638<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Keresked\u00e9si c\u00e9l\u00fa eszk\u00f6z\u00f6k, p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6k<\/td>\n<td width=\"71\">44,333<\/td>\n<td width=\"71\">45,620<\/td>\n<td width=\"71\">45,895<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">43,930<\/td>\n<td width=\"71\">45,895<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Hitelint\u00e9zetekkel szembeni hitelek \u00e9s k\u00f6vetel\u00e9sek<\/td>\n<td width=\"71\">19,972<\/td>\n<td width=\"71\">23,035<\/td>\n<td width=\"71\">25,241<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">19,103<\/td>\n<td width=\"71\">25,241<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">\u00dcgyfeleknek ny\u00fajtott hitelek \u00e9s k\u00f6vetel\u00e9sek<\/td>\n<td width=\"71\">148,311<\/td>\n<td width=\"71\">155,331<\/td>\n<td width=\"71\">157,841<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">149,321<\/td>\n<td width=\"71\">157,841<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Immateri\u00e1lis javak<\/td>\n<td width=\"71\">1,483<\/td>\n<td width=\"71\">1,490<\/td>\n<td width=\"71\">1,491<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">1,507<\/td>\n<td width=\"71\">1,491<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Egy\u00e9b eszk\u00f6z\u00f6k<\/td>\n<td width=\"71\">5,491<\/td>\n<td width=\"71\">5,943<\/td>\n<td width=\"71\">5,996<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">5,382<\/td>\n<td width=\"71\">5,996<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>M\u00e9rlegf\u0151\u00f6sszeg<\/strong><\/td>\n<td width=\"71\"><strong>234,827<\/strong><\/td>\n<td width=\"71\"><strong>248,261<\/strong><\/td>\n<td width=\"71\"><strong>252,101<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>236,792<\/strong><\/td>\n<td width=\"71\"><strong>252,101<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Keresked\u00e9si c\u00e9l\u00fa p\u00e9nz\u00fcgyi k\u00f6telezetts\u00e9gek<\/td>\n<td width=\"71\">2,865<\/td>\n<td width=\"71\">2,518<\/td>\n<td width=\"71\">2,751<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">2,508<\/td>\n<td width=\"71\">2,751<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Hitelint\u00e9zeti bet\u00e9tek<\/td>\n<td width=\"71\">19,086<\/td>\n<td width=\"71\">19,043<\/td>\n<td width=\"71\">19,936<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">17,658<\/td>\n<td width=\"71\">19,936<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">\u00dcgyf\u00e9lbet\u00e9tek<\/td>\n<td width=\"71\">159,828<\/td>\n<td width=\"71\">169,668<\/td>\n<td width=\"71\">172,511<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">162,638<\/td>\n<td width=\"71\">172,511<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Kibocs\u00e1tott k\u00f6tv\u00e9nyek<\/td>\n<td width=\"71\">28,249<\/td>\n<td width=\"71\">30,773<\/td>\n<td width=\"71\">30,103<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">29,738<\/td>\n<td width=\"71\">30,103<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Egy\u00e9b forr\u00e1sok<\/td>\n<td width=\"71\">6,403<\/td>\n<td width=\"71\">6,609<\/td>\n<td width=\"71\">6,670<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">5,381<\/td>\n<td width=\"71\">6,670<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Saj\u00e1t t\u0151ke<\/td>\n<td width=\"71\">18,396<\/td>\n<td width=\"71\">19,649<\/td>\n<td width=\"71\">20,130<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">18,869<\/td>\n<td width=\"71\">20,130<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Forr\u00e1sok \u00e9s t\u0151ke \u00f6sszesen<\/strong><\/td>\n<td width=\"71\"><strong>234,827<\/strong><\/td>\n<td width=\"71\"><strong>248,261<\/strong><\/td>\n<td width=\"71\"><strong>252,101<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>236,792<\/strong><\/td>\n<td width=\"71\"><strong>252,101<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Hitel\/bet\u00e9t ar\u00e1ny<\/td>\n<td width=\"71\">92.8%<\/td>\n<td width=\"71\">91.5%<\/td>\n<td width=\"71\">91.5%<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">91.8%<\/td>\n<td width=\"71\">91.5%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">NPL-r\u00e1ta<\/td>\n<td width=\"71\">3.5%<\/td>\n<td width=\"71\">2.8%<\/td>\n<td width=\"71\">2.7%<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">3.2%<\/td>\n<td width=\"71\">2.7%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">NPL-fedezeti r\u00e1ta (biztos\u00edt\u00e9kok n\u00e9lk\u00fcl)<\/td>\n<td width=\"71\">71.1%<\/td>\n<td width=\"71\">75.4%<\/td>\n<td width=\"71\">76.9%<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">73.4%<\/td>\n<td width=\"71\">76.9%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">CET 1 alapt\u0151ker\u00e1ta (\u00e1tmeneti id\u0151szak)<\/td>\n<td width=\"71\">12.5%<\/td>\n<td width=\"71\">13.6%<\/td>\n<td width=\"71\">13.2%<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\">13.5%<\/td>\n<td width=\"71\">13.2%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><u>\u00a0<\/u><\/p>\n<table width=\"665\">\n<tbody>\n<tr>\n<td width=\"289\"><strong>Besorol\u00e1sok<\/strong><\/td>\n<td width=\"71\"><strong>Sep 18<\/strong><\/td>\n<td width=\"71\"><strong>Jun 19<\/strong><\/td>\n<td width=\"71\"><strong>Sep 19<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Fitch <\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Hossz\u00fa t\u00e1v\u00fa<\/td>\n<td width=\"71\">A-<\/td>\n<td width=\"71\">A<\/td>\n<td width=\"71\">A<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">R\u00f6vid t\u00e1v\u00fa<\/td>\n<td width=\"71\">F1<\/td>\n<td width=\"71\">F1<\/td>\n<td width=\"71\">F1<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Kil\u00e1t\u00e1s<\/td>\n<td width=\"71\">Stabil<\/td>\n<td width=\"71\">Stabil<\/td>\n<td width=\"71\">Stabil<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Moody\u00b4s<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Hossz\u00fa t\u00e1v\u00fa<\/td>\n<td width=\"71\">A2<\/td>\n<td width=\"71\">A2<\/td>\n<td width=\"71\">A2<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">R\u00f6vid t\u00e1v\u00fa<\/td>\n<td width=\"71\">P-1<\/td>\n<td width=\"71\">P-1<\/td>\n<td width=\"71\">P-1<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Kil\u00e1t\u00e1s<\/td>\n<td width=\"71\">Pozit\u00edv<\/td>\n<td width=\"71\">Pozit\u00edv<\/td>\n<td width=\"71\">Pozit\u00edv<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Standard &amp; Poor\u00b4s <\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Hossz\u00fa t\u00e1v\u00fa<\/td>\n<td width=\"71\">A<\/td>\n<td width=\"71\">A<\/td>\n<td width=\"71\">A<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">R\u00f6vid t\u00e1v\u00fa<\/td>\n<td width=\"71\">A-1<\/td>\n<td width=\"71\">A-1<\/td>\n<td width=\"71\">A-1<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Kil\u00e1t\u00e1s<\/td>\n<td width=\"71\">Pozit\u00edv<\/td>\n<td width=\"71\">Pozit\u00edv<\/td>\n<td width=\"71\">Pozit\u00edv<\/td>\n<td width=\"20\"><\/td>\n<td width=\"71\"><\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/gemadhu.hit.gemius.pl\/hitredir\/id=152a.2boYzv.UOknDX0VDeW076bpdMLYrCcgfaZG9lv.D7\/stparam=ngfhqqpsll\/fastid=maxglntentnoxwnnvkpisdkkpsni\/nc=0\/url=https:\/\/www.fordpetranyi.hu\/ajanlatok\/bicolor\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Ford Kuga BiColor limit\u00e1lt modell k\u00e9szletr\u0151l, csak \u00e9v v\u00e9g\u00e9ig a Ford Petr\u00e1nyin\u00e1l, most 6\u2009290\u2009000\u2009Ft-t\u00f3l<\/strong><\/a><\/p>\n<p><!-- (c) 2000-2019 Gemius SA Impressions: placement: CT mero, order: Outlet@Gazdas\u00e1gport\u00e1l_texlink, creative: textlink_mero --><br \/>\n<img decoding=\"async\" src=\"https:\/\/gemadhu.hit.gemius.pl\/redot.gif?id=152a.2boYzv.UOknDX0VDeW076bpdMLYrCcgfaZG9lv.D7\/stparam=qfoqmtfoqq\/fastid=btkboazbocyrpxnhwdtilggkeakp\/nc=0\" border=\"0\"><\/img><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201eTov\u00e1bbra is nagyon j\u00f3 eredm\u00e9nyeket \u00e9rt\u00fcnk el a harmadik negyed\u00e9vben, hiszen a hitelez\u00e9si tev\u00e9kenys\u00e9g \u00e9s a bet\u00e9t\u00e1llom\u00e1ny is eg\u00e9szs\u00e9ges m\u00e9rt\u00e9kben b\u0151v\u00fclt (\u00e9ves \u00f6sszehasonl\u00edt\u00e1sban 5,7, illetve 6,1 sz\u00e1zal\u00e9kkal), valamint likvidit\u00e1si \u00e9s finansz\u00edroz\u00e1si poz\u00edci\u00f3nk is kiv\u00e1l\u00f3an alakult. Az idei \u00e9v els\u0151 kilenc h\u00f3napj\u00e1ban az Erste Csoport \u00f6sszess\u00e9g\u00e9ben 1,223 milli\u00e1rd eur\u00f3s nett\u00f3 eredm\u00e9nyt \u00e9rt el. S\u0151t, a Kelet-K\u00f6z\u00e9p-Eur\u00f3p\u00e1ban &#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[19,8,7],"tags":[],"_links":{"self":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/120843"}],"collection":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/comments?post=120843"}],"version-history":[{"count":4,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/120843\/revisions"}],"predecessor-version":[{"id":120847,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/120843\/revisions\/120847"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=120843"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=120843"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=120843"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}