{"id":126034,"date":"2020-04-30T13:35:54","date_gmt":"2020-04-30T11:35:54","guid":{"rendered":"http:\/\/gazdasagportal.hu\/?p=126034"},"modified":"2020-04-30T10:37:19","modified_gmt":"2020-04-30T08:37:19","slug":"erste-csoport-2020-elso-negyedev-eros-feltokesitettseg-kivalo-likviditas-es-eszkozminoseg-biztosit-szilard-hatteret-hogy-szembenezzunk-a-koronavirus-vezerelte-gazdasagi-kornyezettel","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/erste-csoport-2020-elso-negyedev-eros-feltokesitettseg-kivalo-likviditas-es-eszkozminoseg-biztosit-szilard-hatteret-hogy-szembenezzunk-a-koronavirus-vezerelte-gazdasagi-kornyezettel\/","title":{"rendered":"Erste Csoport 2020 els\u0151 negyed\u00e9v: Er\u0151s felt\u0151k\u00e9s\u00edtetts\u00e9g, kiv\u00e1l\u00f3 likvidit\u00e1s \u00e9s eszk\u00f6zmin\u0151s\u00e9g biztos\u00edt szil\u00e1rd h\u00e1tteret, hogy szemben\u00e9zz\u00fcnk a koronav\u00edrus-vez\u00e9relte gazdas\u00e1gi k\u00f6rnyezettel"},"content":{"rendered":"<p><strong>\u201e<em>A most is zajl\u00f3 glob\u00e1lis v\u00e1ls\u00e1g mindny\u00e1junkat \u2013 egy\u00e9neket \u00e9s csal\u00e1dokat, de ugyan\u00fagy az orsz\u00e1gokat \u00e9s r\u00e9gi\u00f3kat, munkav\u00e1llal\u00f3kat \u00e9s v\u00e1llalatokat \u2013 olyan kih\u00edv\u00e1sok el\u00e9 \u00e1ll\u00edt, amelyeket p\u00e1r h\u00e9ttel ezel\u0151tt sem tudtunk volna m\u00e9g elk\u00e9pzelni. <\/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>Ami eg\u00e9szs\u00e9g\u00fcgyi v\u00e1ls\u00e1gnak indult, p\u00e9ld\u00e1tlan gazdas\u00e1gi v\u00e1ls\u00e1g lett, miut\u00e1n a sz\u00fcks\u00e9ges korl\u00e1toz\u00e1sok a keresletet \u00e9s a k\u00edn\u00e1latot egyar\u00e1nt visszafojtott\u00e1k a vil\u00e1g minden piac\u00e1n. Nincs \u00fatmutat\u00f3 arra, hogyan kell megk\u00fczdeni egy ilyen helyzettel, csak a j\u00f3zan esz\u00fcnkre hagyatkozhatunk. Egyetlen orsz\u00e1g, r\u00e9gi\u00f3, vagy szektor sem mentes\u00fcl a vil\u00e1gj\u00e1rv\u00e1ny hat\u00e1sai al\u00f3l \u2013 most val\u00f3ban egy\u00fctt vagyunk ebben mindny\u00e1jan. <\/em><\/p>\n<p><em>\u00a0<\/em><\/p>\n<p><em>A mostanihoz hasonl\u00f3 vil\u00e1gv\u00e1ls\u00e1g sosem j\u00f6n j\u00f3kor. \u00c1m az elm\u00falt \u00e9vekben a kelet-k\u00f6z\u00e9p-eur\u00f3pai orsz\u00e1gok elv\u00e9gezt\u00e9k a makrogazdas\u00e1gi h\u00e1zi feladatukat. Ennek eredm\u00e9nyek\u00e9nt a r\u00e9gi\u00f3 ma sokkal jobb helyzetben n\u00e9z szembe a koronav\u00edrus-kr\u00edzis gazdas\u00e1gi visszaes\u00e9s\u00e9vel, mint egy \u00e9vtizede a p\u00e9nz\u00fcgyi v\u00e1ls\u00e1g idej\u00e9n. <\/em><\/p><div id=\"gazda-1431882848\" 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><em>\u00a0<\/em><\/p>\n<p><em>Az Erste Csoportot is szil\u00e1rd poz\u00edci\u00f3ban \u00e9ri el a v\u00e1ls\u00e1g. Er\u0151sen felt\u0151k\u00e9s\u00edtett p\u00e9nz\u00fcgyi csoport vagyunk, amelynek \u00fczleti modellje bizony\u00edtott, hitel\u00e1llom\u00e1nyunk kiegyens\u00falyozott, az eszk\u00f6zmin\u0151s\u00e9g\u00fcnk kiv\u00e1l\u00f3. Abban, hogy seg\u00edts\u00fcnk \u00fcgyfeleinknek reag\u00e1lni a v\u00e1ls\u00e1gra, nagyban t\u00e1maszkodhatunk er\u0151s helyzetben l\u00e9v\u0151, m\u00e9g mindig Eur\u00f3pa n\u00f6veked\u00e9si r\u00e9gi\u00f3j\u00e1nak sz\u00e1m\u00edt\u00f3 t\u00e9rs\u00e9gben m\u0171k\u00f6d\u0151 le\u00e1nybankjainkra, \u00e9s digit\u00e1lis banki platformunk, a George biztos\u00edtotta versenyel\u0151nyre, valamint kiv\u00e1l\u00f3 likvidit\u00e1si helyzet\u00fcnkre.<\/em><\/p>\n<p><em>\u00a0<\/em><\/p>\n<p><em>Ne legyenek k\u00e9ts\u00e9geink: komoly kih\u00edv\u00e1sokat rejt\u0151 \u00e9v \u00e1ll el\u0151tt\u00fcnk. De ne legyen k\u00e9ts\u00e9ges az Erste elk\u00f6telezetts\u00e9ge sem abban, hogy \u00e1tseg\u00edtse \u00fcgyfeleit ezen a neh\u00e9z id\u0151szakon. Tessz\u00fck ezt p\u00e9ld\u00e1ul a hitelmorat\u00f3rium \u00e9s az \u00e1llamilag garant\u00e1lt hitelek ig\u00e9nyl\u00e9s\u00e9nek egyszer\u0171s\u00edt\u00e9s\u00e9vel, az egy\u00e9ni tan\u00e1csad\u00e1sok sz\u00e1mtalan alkalm\u00e1val, valamint az egyes korm\u00e1nyokkal, szab\u00e1lyoz\u00f3 hat\u00f3s\u00e1gokkal \u00e9s minden m\u00e1s \u00e9rintettel folytatott hat\u00e9kony egy\u00fcttm\u0171k\u00f6d\u00e9s seg\u00edts\u00e9g\u00e9vel. Tessz\u00fck ezt az\u00e9rt, mert rendk\u00edv\u00fcl elk\u00f6telezettek vagyunk a t\u00e9rs\u00e9g ir\u00e1nt, valamint hisz\u00fcnk az itt \u00e9l\u0151 emberekben \u00e9s az itt m\u0171k\u00f6d\u0151 v\u00e1llalkoz\u00e1sokban. Hisz\u00fcnk abban a k\u00e9pess\u00e9g\u00fckben, hogy \u00e1t tudj\u00e1k v\u00e9szelni ezt az id\u0151szakot \u00e9s hisz\u00fcnk a v\u00e1ls\u00e1g ut\u00e1ni, \u00edg\u00e9retes j\u00f6v\u0151j\u00fckben\u201d \u2013 <\/em>jelentette ki Bernhard Spalt, az Erste Group Bank AG vez\u00e9rigazgat\u00f3ja.<\/p>\n<h3>A F\u0150BB EREDM\u00c9NYEK<\/h3>\n<p>Az eredm\u00e9nykimutat\u00e1sban a 2020. janu\u00e1r-m\u00e1rciusi adatokat a 2019. janu\u00e1r-m\u00e1rciusi eredm\u00e9nyekkel vetj\u00fck \u00f6ssze, a m\u00e9rleg t\u00e9telein\u00e9l pedig a 2020. m\u00e1rcius 31-i adatokat a 2019. december 31-i poz\u00edci\u00f3kkal.<\/p>\n<p>&nbsp;<\/p>\n<p>A <strong>nett\u00f3 kamatbev\u00e9tel <\/strong>\u2013 els\u0151sorban a cseh \u00e9s az osztr\u00e1k, de a rom\u00e1n le\u00e1nyv\u00e1llalatoknak is k\u00f6sz\u00f6nhet\u0151en \u2013 1229,0 milli\u00f3 eur\u00f3ra n\u0151tt (5,9 sz\u00e1zal\u00e9kkal a 2019. \u00e9vi els\u0151 negyed\u00e9vben el\u00e9rt 1160,9 milli\u00f3 eur\u00f3r\u00f3l). A <strong>nett\u00f3 d\u00edj- \u00e9s jutal\u00e9kbev\u00e9tel <\/strong>504,2 milli\u00f3 eur\u00f3ra emelkedett (3,4 sz\u00e1zal\u00e9kkal 487,7 milli\u00f3 eur\u00f3r\u00f3l), f\u0151k\u00e9nt az \u00e9rt\u00e9kpap\u00edr-\u00fczlet\u00e1gb\u00f3l, de a biztos\u00edt\u00e1si \u00fcgyletekb\u0151l \u00e9s a vagyonkezel\u00e9sb\u0151l sz\u00e1rmaz\u00f3 d\u00edjbev\u00e9telek n\u00f6veked\u00e9se folyt\u00e1n. J\u00f3llehet a <strong>keresked\u00e9si tev\u00e9kenys\u00e9g nett\u00f3 eredm\u00e9nye <\/strong>jelent\u0151s m\u00e9rt\u00e9kben cs\u00f6kkenve -157,4 milli\u00f3 eur\u00f3 lett (szemben az el\u0151z\u0151 \u00e9vi 153,3 milli\u00f3 eur\u00f3val), a <strong>piaci \u00e9rt\u00e9ken nyilv\u00e1ntartott p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6k nyeres\u00e9ge\/vesztes\u00e9ge<\/strong> 37,5 milli\u00f3 eur\u00f3ra n\u0151tt (-77,1 milli\u00f3 eur\u00f3r\u00f3l). Mindk\u00e9t t\u00e9tel alakul\u00e1s\u00e1t a koronav\u00edrus-j\u00e1rv\u00e1ny kit\u00f6r\u00e9se miatt megn\u00f6vekedett piaci volatilit\u00e1s nyom\u00e1n fell\u00e9p\u0151 \u00e1t\u00e9rt\u00e9kel\u00e9si hat\u00e1sok befoly\u00e1solt\u00e1k. A <strong>m\u0171k\u00f6d\u00e9si bev\u00e9tel <\/strong>1633,0 milli\u00f3 eur\u00f3ra m\u00e9rs\u00e9kl\u0151d\u00f6tt (-6,1 sz\u00e1zal\u00e9kkal 1771,7 milli\u00f3 eur\u00f3r\u00f3l). Az <strong>\u00e1ltal\u00e1nos igazgat\u00e1si k\u00f6lts\u00e9gek<\/strong> enyhe visszaes\u00e9s ut\u00e1n 1111,2 milli\u00f3 eur\u00f3t tettek ki (0,4 sz\u00e1zal\u00e9kkal cs\u00f6kkentek 1115,6 milli\u00f3 eur\u00f3r\u00f3l), els\u0151sorban a 630,0 milli\u00f3 eur\u00f3ra n\u00f6vekv\u0151 szem\u00e9lyi r\u00e1ford\u00edt\u00e1sok miatt (1,3 sz\u00e1zal\u00e9kkal 621,9 milli\u00f3 eur\u00f3r\u00f3l), m\u00edg az egy\u00e9b igazgat\u00e1si k\u00f6lts\u00e9gek 344,8 milli\u00f3 eur\u00f3ra estek vissza (-3,8 sz\u00e1zal\u00e9kkal 358,3 milli\u00f3 eur\u00f3r\u00f3l). Az egy\u00e9b igazgat\u00e1si k\u00f6lts\u00e9gek magunkba foglalj\u00e1k bet\u00e9tbiztos\u00edt\u00e1si alapokba fizetend\u0151 hozz\u00e1j\u00e1rul\u00e1sok szinte a teljes 2020. \u00e9vi \u00f6sszeg\u00e9t 88,3 milli\u00f3 eur\u00f3 \u00e9rt\u00e9kben (az el\u0151z\u0151 \u00e9vi 87,5 milli\u00f3 eur\u00f3val szemben). Az amortiz\u00e1ci\u00f3 \u00e9s \u00e9rt\u00e9kcs\u00f6kken\u00e9s 136,5 milli\u00f3 eur\u00f3t tett ki (135,4 milli\u00f3 eur\u00f3 ut\u00e1n). \u00d6sszess\u00e9g\u00e9ben a <strong>m\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/strong> 551,7 milli\u00f3 eur\u00f3ra m\u00e9rs\u00e9kl\u0151d\u00f6tt (-15,9 sz\u00e1zal\u00e9kkal 656,0 milli\u00f3 eur\u00f3r\u00f3l). A <strong>k\u00f6lts\u00e9g\/bev\u00e9tel r\u00e1ta<\/strong> 66,8 sz\u00e1zal\u00e9kra n\u0151tt (63,0 sz\u00e1zal\u00e9kr\u00f3l).<\/p>\n<p>&nbsp;<\/p>\n<p>A nett\u00f3 c\u00e9ltartal\u00e9k-k\u00e9pz\u00e9s miatt a <strong>p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6kre elsz\u00e1molt nett\u00f3 \u00e9rt\u00e9kveszt\u00e9s<\/strong> -61,7 milli\u00f3 eur\u00f3 lett, vagyis az \u00e1tlagos brutt\u00f3 \u00fcgyf\u00e9lhitelek \u00e1llom\u00e1ny\u00e1nak ar\u00e1ny\u00e1ban 15 b\u00e1zispontot tett ki (szemben az el\u0151z\u0151 \u00e9vi 35,8 milli\u00f3 eur\u00f3 nett\u00f3 vissza\u00edr\u00e1ssal \u00e9s -3 b\u00e1zisponttal). A hitelekhez, valamint az egy\u00e9b k\u00f6telezetts\u00e9gekhez \u00e9s ny\u00fajtott garanci\u00e1khoz k\u00f6t\u0151d\u0151 c\u00e9ltartal\u00e9kk\u00e9pz\u00e9s f\u0151k\u00e9nt Ausztri\u00e1ban \u00e9s Csehorsz\u00e1gban n\u0151tt, m\u00edg pozit\u00edv hat\u00e1st jelentett a m\u00e1r kor\u00e1bban le\u00edrt hiteleken realiz\u00e1lt megt\u00e9r\u00fcl\u00e9s Rom\u00e1ni\u00e1ban. Az idei els\u0151 negyed\u00e9vben a koronav\u00edrushoz kapcsol\u00f3d\u00f3 c\u00e9ltartal\u00e9kol\u00e1s egyel\u0151re csek\u00e9ly m\u00e9rt\u00e9k\u0171nek mondhat\u00f3 \u00e9s j\u00f3r\u00e9szt szak\u00e9rt\u0151i becsl\u00e9seken alapult, ugyanakkor nem tartalmaz c\u00e9ltartal\u00e9kot a makrogazdas\u00e1gi kil\u00e1t\u00e1sok v\u00e1rhat\u00f3 roml\u00e1s\u00e1val \u00f6sszef\u00fcgg\u00e9sben. A <strong>nem teljes\u00edt\u0151 hitelek ar\u00e1nya<\/strong> tov\u00e1bb javult, a brutt\u00f3 \u00fcgyf\u00e9lhitelek 2,4 sz\u00e1zal\u00e9k\u00e1t tette (a tavalyi 2,5 sz\u00e1zal\u00e9k ut\u00e1n). Az <strong>NPL-fedezeti r\u00e1ta<\/strong> 80,9 sz\u00e1zal\u00e9kra n\u0151tt (77,1 sz\u00e1zal\u00e9kr\u00f3l).<\/p>\n<p>&nbsp;<\/p>\n<p>Az <strong>egy\u00e9b m\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/strong> -127,6 milli\u00f3 eur\u00f3 lett (a tavalyi -131,1 milli\u00f3 eur\u00f3 ut\u00e1n). A szan\u00e1l\u00e1si alapokba fizetend\u0151 \u00e9ves hozz\u00e1j\u00e1rul\u00e1s 84,0 milli\u00f3 eur\u00f3ra emelkedett (78,0 milli\u00f3 eur\u00f3r\u00f3l) f\u0151leg a csehorsz\u00e1gi \u00e9s a szlov\u00e1kiai ad\u00f3 m\u00e9rt\u00e9k\u00e9nek n\u00f6veked\u00e9se miatt. A bankad\u00f3k \u00e9s tranzakci\u00f3s illet\u00e9kek 49,9 milli\u00f3 eur\u00f3ra n\u0151ttek (38,8 milli\u00f3 eur\u00f3r\u00f3l), f\u0151leg annak tulajdon\u00edthat\u00f3an, hogy a szlov\u00e1kiai bankad\u00f3 k\u00e9tszeres\u00e9re, 8,0 milli\u00f3 eur\u00f3r\u00f3l 16,9 milli\u00f3 eur\u00f3ra n\u0151tt miut\u00e1n a 2019-ben elfogadott t\u00f6rv\u00e9nym\u00f3dos\u00edt\u00e1s 2020. janu\u00e1r 1-t\u0151l hat\u00e1lyba l\u00e9pett. A magyarorsz\u00e1gi bankad\u00f3 a 2020-as p\u00e9nz\u00fcgyi \u00e9vben 14,2 milli\u00f3 eur\u00f3t tesz ki (az el\u0151z\u0151 \u00e9vi 12,5 milli\u00f3 eur\u00f3 ut\u00e1n).<\/p>\n<p>&nbsp;<\/p>\n<p>Rom\u00e1ni\u00e1ban jelentkez\u0151 egyszeri hat\u00e1sok miatt a bev\u00e9telt terhel\u0151 ad\u00f3k 103,0 milli\u00f3 eur\u00f3ra n\u00f6vekedtek (95,5 milli\u00f3 eur\u00f3r\u00f3l). A kisebbs\u00e9gi r\u00e9szesed\u00e9sek ut\u00e1ni nyeres\u00e9g 23,0 milli\u00f3 eur\u00f3ra m\u00e9rs\u00e9kl\u0151d\u00f6tt (89,3 milli\u00f3 eur\u00f3r\u00f3l) a takar\u00e9kp\u00e9nzt\u00e1rak hozz\u00e1j\u00e1rul\u00e1s\u00e1ban bek\u00f6vetkezett jelent\u0151s visszaes\u00e9s miatt. Az <strong>anyav\u00e1llalatra jut\u00f3 nett\u00f3 eredm\u00e9ny <\/strong>235,3 milli\u00f3 eur\u00f3t tett ki (-37,6 sz\u00e1zal\u00e9k az el\u0151z\u0151 377,0 milli\u00f3 eur\u00f3hoz k\u00e9pest).<\/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 19,1 milli\u00e1rd eur\u00f3ra n\u0151tt (19,0 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) 15,8 milli\u00e1rd eur\u00f3t tett ki (16,3 milli\u00e1rd eur\u00f3hoz k\u00e9pest), a bankcsoport <strong>szavatol\u00f3 t\u0151k\u00e9je<\/strong> (v\u00e9gleges) 21,3 milli\u00e1rd eur\u00f3 lett (22,0 milli\u00e1rd eur\u00f3val szemben). J\u00f3llehet az els\u0151 negyed\u00e9vi nyeres\u00e9g nem szerepel az adatokban, a kock\u00e1zati k\u00f6lts\u00e9gek levon\u00e1sa megt\u00f6rt\u00e9nt. 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 az els\u0151 negyed\u00e9vben 120,5 milli\u00e1rd eur\u00f3ra n\u0151tt. (118,6 milli\u00e1rd eur\u00f3r\u00f3l). Az <strong>els\u0151dleges Tier-1 t\u0151ker\u00e1ta <\/strong>(CET1, v\u00e9gleges) 13,1 sz\u00e1zal\u00e9kon \u00e1llt (a tavalyi 13,7 sz\u00e1zal\u00e9k ut\u00e1n), a <strong>teljes t\u0151ker\u00e1ta <\/strong>pedig 17,7 sz\u00e1zal\u00e9k lett (az el\u0151z\u0151 \u00e9vi 18,5 sz\u00e1zal\u00e9k ut\u00e1n).<\/p>\n<p>&nbsp;<\/p>\n<p>A bankcsoport <strong>m\u00e9rlegf\u0151\u00f6sszege <\/strong>262,9 milli\u00e1rd eur\u00f3ra n\u0151tt <strong>\u00a0<\/strong>245,7 milli\u00e1rd eur\u00f3r\u00f3l. Eszk\u00f6zoldalon a k\u00e9szp\u00e9nz- \u00e9s p\u00e9nzeszk\u00f6z\u00f6k 23,0 milli\u00e1rd eur\u00f3ra emelkedtek (10,7 milli\u00e1rd eur\u00f3r\u00f3l), ugyanakkor a hitelint\u00e9zeteknek ny\u00fajtott hitelek \u00e9s m\u00e1s kintl\u00e9v\u0151s\u00e9gek \u00e1llom\u00e1nya 24,3 milli\u00e1rd eur\u00f3ra n\u0151tt (23,1 milli\u00e1rd eur\u00f3r\u00f3l). Az <strong>\u00fcgyfeleknek ny\u00fajtott hitelek \u00e9s k\u00f6vetel\u00e9sek \u00e1llom\u00e1nya<\/strong> 161,1 milli\u00e1rd eur\u00f3ra n\u0151tt (0,5 sz\u00e1zal\u00e9kkal 160,3 milli\u00e1rd eur\u00f3r\u00f3l). Forr\u00e1soldalon a <strong>hitelint\u00e9zetek \u00e1ltal elhelyezett bet\u00e9tek<\/strong> 20,7 milli\u00e1rd eur\u00f3ra b\u0151v\u00fcltek (13,1 milli\u00e1rd eur\u00f3r\u00f3l), az <strong>\u00fcgyf\u00e9lbet\u00e9tek<\/strong> \u00e1llom\u00e1nya pedig ism\u00e9t n\u0151tt \u2013 legink\u00e1bb Csehorsz\u00e1gban \u00e9s Ausztri\u00e1ban \u2013 \u00edgy 182,2 milli\u00e1rd eur\u00f3t tett ki (+4,8 sz\u00e1zal\u00e9k 173,8 milli\u00e1rd eur\u00f3r\u00f3l). A <strong>hitel\/bet\u00e9t r\u00e1ta<\/strong> 88,4 sz\u00e1zal\u00e9kon \u00e1llt (az el\u0151z\u0151 \u00e9vi 92,2 sz\u00e1zal\u00e9k ut\u00e1n).<br \/>\n&nbsp;<\/p>\n<h3>KIL\u00c1T\u00c1SOK<\/h3>\n<p>&nbsp;<\/p>\n<p>A 2019-es \u00e9ves \u00e9s negyedik negyed\u00e9ves p\u00e9nz\u00fcgyi besz\u00e1mol\u00f3 2020. febru\u00e1r 28-i megjelen\u00e9se \u00f3ta a vil\u00e1ggazdas\u00e1gi kil\u00e1t\u00e1sok jelent\u0151sen romlottak. A gazdas\u00e1g teljes\u00edtm\u00e9nye az Erste Csoport p\u00e9nz\u00fcgyi eredm\u00e9nyeinek egyik alappill\u00e9rei, \u00edgy ez a fejlem\u00e9ny v\u00e1rhat\u00f3an jelent\u0151s, \u00e1m egyel\u0151re nem sz\u00e1mszer\u0171s\u00edthet\u0151 m\u00f3don rontja a bank j\u00f6vedelmez\u0151s\u00e9g\u00e9t. A makrogazdas\u00e1gi visszaes\u00e9s \u00e9s az alacsonyabb profitabilit\u00e1s egyar\u00e1nt annak k\u00f6vetkezm\u00e9nye, hogy a korm\u00e1nyok vil\u00e1gszerte k\u00fcl\u00f6nb\u00f6z\u0151 fok\u00fa t\u00e1rsadalmi \u00e9s gazdas\u00e1gi korl\u00e1toz\u00e1sokat vezettek be a koronav\u00edrus terjed\u00e9s\u00e9nek megakad\u00e1lyoz\u00e1sa \u00e9rdek\u00e9ben. Az elszigetel\u00e9si strat\u00e9gia els\u0151dleges c\u00e9lja az eg\u00e9szs\u00e9g\u00fcgyi ell\u00e1t\u00f3 rendszerre v\u00e1rhat\u00f3 terhel\u00e9s g\u00f6rb\u00e9j\u00e9nek ellapos\u00edt\u00e1sa volt, ugyanakkor jelent\u0151s \u00e9s k\u00e9zzel foghat\u00f3 j\u00e1rul\u00e9kos vesztes\u00e9geket is okozott, p\u00e9ld\u00e1ul a gazdas\u00e1gi aktivit\u00e1s cs\u00f6kken\u00e9s\u00e9t, n\u00f6vekv\u0151 munkan\u00e9lk\u00fclis\u00e9get, \u00e9s a vil\u00e1g r\u00e9szv\u00e9nypiacainak zuhan\u00e1s\u00e1t. A k\u00e1rok enyh\u00edt\u00e9se \u00e9rdek\u00e9ben a korm\u00e1nyok, k\u00f6zponti bankok \u00e9s szab\u00e1lyoz\u00f3 hat\u00f3s\u00e1gok sz\u00e1mos int\u00e9zked\u00e9st vezettek be, p\u00e9ld\u00e1ul hitelfizet\u00e9si morat\u00f3riumot, hitelgarancia-programokat, k\u00f6zvetlen p\u00e9nzinjekci\u00f3t a v\u00e1ls\u00e1g s\u00fajtotta ipar\u00e1gak \u00e9s fogyaszt\u00f3k sz\u00e1m\u00e1ra, ad\u00f3- \u00e9s j\u00e1rul\u00e9kkedvezm\u00e9nyt, valamint ad\u00f3- \u00e9s j\u00e1rul\u00e9kfizet\u00e9si halaszt\u00e1st, tov\u00e1bb\u00e1 likvidit\u00e1si injekci\u00f3t, a hitelfedezeti kond\u00edci\u00f3k laz\u00edt\u00e1s\u00e1t, kamatcs\u00f6kkent\u00e9st, mennyis\u00e9gi laz\u00edt\u00e1st \u00e1llam- \u00e9s v\u00e1llalati k\u00f6tv\u00e9nyfelv\u00e1s\u00e1rl\u00e1son kereszt\u00fcl, laz\u00e1bb t\u0151kek\u00f6vetelm\u00e9nyeket, valamint a hitelmorat\u00f3rium \u00e9s a hitelez\u00e9si garanci\u00e1k nyom\u00e1n az IFRS9 alkalmaz\u00e1s\u00e1nak \u00e9sszer\u0171s\u00edt\u00e9s\u00e9t, tov\u00e1bb\u00e1 a munkaer\u0151piacot t\u00e1mogat\u00f3 int\u00e9zked\u00e9seket is hoztak, p\u00e9ld\u00e1ul r\u00f6vidt\u00e1v\u00fa foglalkoztat\u00e1si programokat ind\u00edtottak.<\/p>\n<p>&nbsp;<\/p>\n<p>Mindezen int\u00e9zked\u00e9sek \u00e9s az \u00e1tfog\u00f3 korl\u00e1toz\u00e1sok felold\u00e1s\u00e1nak els\u0151 \u00f3vatos \u2013 p\u00e9ld\u00e1ul cseh \u00e9s osztr\u00e1k \u2013 k\u00eds\u00e9rletei dac\u00e1ra a v\u00e1rakoz\u00e1sok szerint 2020-ban a vil\u00e1g re\u00e1l-GDP-je a m\u00e1sodik vil\u00e1gh\u00e1bor\u00fa \u00f3ta a legnagyobb m\u00e9rt\u00e9k\u0171 visszaes\u00e9st szenvedi el. Ausztri\u00e1ban \u00e9s Kelet-K\u00f6z\u00e9p-Eur\u00f3p\u00e1ban a jelenlegi becsl\u00e9sek 4,2 \u00e9s 7,5 sz\u00e1zal\u00e9k k\u00f6z\u00e9 teszik a re\u00e1l-GDP zsugorod\u00e1s\u00e1nak idei m\u00e9rt\u00e9k\u00e9t, ami szint\u00e9n negat\u00edv hat\u00e1ssal j\u00e1r az eredm\u00e9nykimutat\u00e1s f\u0151 soraira, valamint az eszk\u00f6zmin\u0151s\u00e9gre, \u00e9s a t\u0151kehelyzetre is. T\u00e9telesen a nett\u00f3 kamatbev\u00e9tel visszaes\u00e9se val\u00f3sz\u00edn\u0171s\u00edthet\u0151 2020-ban a Csehorsz\u00e1gban, Rom\u00e1ni\u00e1ban \u00e9s Szerbi\u00e1ban a v\u00e9grehajtott jelent\u0151s kamatcs\u00f6kkent\u00e9sek, az \u00e1llami garanci\u00e1val t\u00e1mogatott tranzakci\u00f3k cs\u00f6kken\u0151 marzsa miatt \u00e1talakul\u00f3 \u00fczleti portf\u00f3li\u00f3, valamint a negat\u00edv devizahat\u00e1sok elegye miatt. A d\u00edj- \u00e9s jutal\u00e9kbev\u00e9tel v\u00e1rhat\u00f3an cs\u00f6kken a gyeng\u00e9bb gazdas\u00e1gi teljes\u00edtm\u00e9ny miatt, ami a p\u00e9nzforgalmi d\u00edjak m\u00e9rs\u00e9kl\u0151d\u00e9s\u00e9t \u00e9s az \u00e9rt\u00e9kpap\u00edr-\u00fczlet\u00e1g d\u00edjbev\u00e9tel\u00e9nek cs\u00f6kken\u00e9s\u00e9t hozza. A nett\u00f3 keresked\u00e9si \u00e9s piaci \u00e9rt\u00e9ken nyilv\u00e1ntartott p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6k eredm\u00e9ny\u00e9nek visszaes\u00e9se m\u00e1r a koronav\u00edrus megjelen\u00e9s\u00e9t megel\u0151z\u0151en is val\u00f3sz\u00edn\u0171s\u00edthet\u0151 volt miut\u00e1n 2019-ben jelent\u0151s nyeres\u00e9get sz\u00e1moltak el az \u00e1t\u00e9rt\u00e9kel\u00e9seken. Mindent \u00f6sszevetve, a m\u0171k\u00f6d\u00e9si bev\u00e9tel val\u00f3sz\u00edn\u0171leg m\u00e9rs\u00e9kl\u0151dni fog 2020-ban. Az \u00e9v elej\u00e9n azzal sz\u00e1moltunk, hogy a m\u0171k\u00f6d\u00e9si k\u00f6lts\u00e9gek n\u0151ni fognak id\u00e9n, \u00e1m v\u00e9lhet\u0151en cs\u00f6kkenni fognak az utaz\u00e1si kiad\u00e1sok visszaes\u00e9se, valamint a hat\u00e9konys\u00e1gi megtakar\u00edt\u00e1sok \u00e9s a pozit\u00edv devizahat\u00e1sok nyom\u00e1n. Ennek ellen\u00e9re a m\u0171k\u00f6d\u00e9si eredm\u00e9ny a v\u00e1rakoz\u00e1sok szerint 2020-ban alacsonyabb szinten lesz, mint 2019-ben, \u00e9s a k\u00f6lts\u00e9g\/bev\u00e9tel r\u00e1ta is romlik. A fekete l\u00f3 az id\u00e9n \u00e9s az azt k\u00f6vet\u0151 id\u0151szakban a kock\u00e1zati k\u00f6lts\u00e9gek alakul\u00e1sa. A v\u00e1llalati politik\u00e1nak megfelel\u0151en az Erste Csoport vezet\u00e9se annyi kock\u00e1zati k\u00f6lts\u00e9get igyekszik \u201emegel\u0151legezni\u201d 2020-ban, amennyi csak igazoltnak t\u0171nik a makrogazdas\u00e1gi t\u00e9nyadatok \u00e9s el\u0151rejelz\u00e9sek, a v\u00e1llalati besorol\u00e1sok alakul\u00e1sa, valamint a portf\u00f3li\u00f3-\u00e9rt\u00e9kel\u00e9s alapj\u00e1n. Ennek megfelel\u0151en a kock\u00e1zati k\u00f6lts\u00e9gek jelent\u0151s emelked\u00e9s\u00e9re kell sz\u00e1m\u00edtani 2020-ban. A jelenleg a legval\u00f3sz\u00edn\u0171bbnek t\u0171n\u0151, hat h\u00f3napos V-alak\u00fa lefoly\u00e1st j\u00f3sol\u00f3 forgat\u00f3k\u00f6nyv szerint a kock\u00e1zati k\u00f6lts\u00e9gek 2020-ban a brutt\u00f3 \u00fcgyf\u00e9lhitelekhez k\u00e9pest 50-80 b\u00e1zisponton alakulhatnak. Amennyiben nem jelentkeznek goodwill-le\u00edr\u00e1sok, az egy\u00e9b m\u0171k\u00f6d\u00e9si eredm\u00e9ny v\u00e1rhat\u00f3an javul 2020-ban, mivel a tavalyi \u00e9v t\u00e9nyadat\u00e1t jelent\u0151s egyszeri hat\u00e1sok befoly\u00e1solt\u00e1k negat\u00edv ir\u00e1nyban. Az ad\u00f3r\u00e1ta minden val\u00f3sz\u00edn\u0171s\u00e9g szerint emelkedni fog, mivel az alacsony ad\u00f3teherrel rendelkez\u0151 orsz\u00e1gokban a nyeres\u00e9gess\u00e9g visszaes\u00e9se v\u00e1rhat\u00f3. A kisebbs\u00e9gi eredm\u00e9nyek szint\u00e9n visszaesnek, mivel a takar\u00e9kbankok nyeres\u00e9gess\u00e9ge is v\u00e9lhet\u0151en cs\u00f6kken. \u00d6sszess\u00e9g\u00e9ben 2020-ban a nett\u00f3 nyeres\u00e9g jelent\u0151s m\u00e9rt\u00e9k\u0171 m\u00e9rs\u00e9kl\u0151d\u00e9s\u00e9re kell sz\u00e1m\u00edtani.<\/p>\n<p>&nbsp;<\/p>\n<p>Az Erste Group r\u00e9szv\u00e9nyenk\u00e9nt 1,5 eur\u00f3t hat\u00e1rozott meg a 2019. \u00e9vi osztal\u00e9kfizet\u00e9s gyan\u00e1nt. 2020 m\u00e1rcius\u00e1nak v\u00e9g\u00e9n az Erste Csoport bejelentette, hogy az \u00e9ves k\u00f6zgy\u0171l\u00e9st \u00e9s az osztal\u00e9kfizet\u00e9sre vonatkoz\u00f3 d\u00f6nt\u00e9s\u00e9t 2020 negyedik negyed\u00e9v\u00e9re halasztja, mivel akkor m\u00e1r nagyobb r\u00e1l\u00e1t\u00e1ssal rendelkezik a koronav\u00edrus-j\u00e1rv\u00e1nnyal \u00f6sszef\u00fcgg\u0151 gazdas\u00e1gi k\u00f6vetkezm\u00e9nyekre \u00e9s t\u00e9nyeken alapul\u00f3 d\u00f6nt\u00e9st tud hozni az osztal\u00e9kfizet\u00e9ssel kapcsolatban. Az Erste Csoport igazgat\u00f3s\u00e1g\u00e1nak szil\u00e1rd elhat\u00e1roz\u00e1sa, hogy osztal\u00e9kfizet\u00e9s t\u00f6rt\u00e9njen 2019-re, amelynek m\u00e9rt\u00e9k\u00e9t azonban a d\u00f6nt\u00e9s idej\u00e9n \u00e9rv\u00e9nyes gazdas\u00e1gi realit\u00e1sok hat\u00e1rozz\u00e1k majd meg. A v\u00e9gs\u0151 d\u00f6nt\u00e9s meghozatal\u00e1ban igyeksz\u00fcnk megtartani az egyens\u00falyt a szab\u00e1lyoz\u00f3i aj\u00e1nl\u00e1sok, valamint annak els\u0151dlegess\u00e9ge k\u00f6z\u00f6tt, hogy meg\u0151rizz\u00fck a befektet\u0151i bizalmat kifejezetten az Erste Csoport \u00e9s \u00e1ltal\u00e1noss\u00e1gban a t\u0151kepiacok ir\u00e1nt, emellett t\u00f6reksz\u00fcnk az \u00f6sszes eszk\u00f6zoszt\u00e1ly egyenl\u0151 elb\u00e1n\u00e1s\u00e1nak biztos\u00edt\u00e1s\u00e1ra.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong>P\u00e9nz\u00fcgyi adatok<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/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>Q1 19<\/strong><\/td>\n<td width=\"71\"><strong>Q4 19<\/strong><\/td>\n<td width=\"71\"><strong>Q1 20<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>1-3 19<\/strong><\/td>\n<td width=\"71\"><strong>1-3 20<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Nett\u00f3 kamatbev\u00e9tel<\/td>\n<td width=\"71\">1,160.9<\/td>\n<td width=\"71\">1,229.5<\/td>\n<td width=\"71\">1,229.0<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">1,160.9<\/td>\n<td width=\"71\">1,229.0<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Nett\u00f3 d\u00edj- \u00e9s jutal\u00e9kbev\u00e9tel<\/td>\n<td width=\"71\">487.7<\/td>\n<td width=\"71\">515.9<\/td>\n<td width=\"71\">504.2<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">487.7<\/td>\n<td width=\"71\">504.2<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Keresked\u00e9si tev\u00e9kenys\u00e9g nett\u00f3 eredm\u00e9nye<\/td>\n<td width=\"71\">76.2<\/td>\n<td width=\"71\">63.9<\/td>\n<td width=\"71\">-119.9<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">76.2<\/td>\n<td width=\"71\">-119.9<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">M\u0171k\u00f6d\u00e9si bev\u00e9tel<\/td>\n<td width=\"71\">1,771.7<\/td>\n<td width=\"71\">1,861.8<\/td>\n<td width=\"71\">1,663.0<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">1,771.7<\/td>\n<td width=\"71\">1,663.0<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">M\u0171k\u00f6d\u00e9si kiad\u00e1sok<\/td>\n<td width=\"71\">-1,115.6<\/td>\n<td width=\"71\">-1,122.4<\/td>\n<td width=\"71\">-1,111.2<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">-1,115.6<\/td>\n<td width=\"71\">-1,111.2<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>M\u0171k\u00f6d\u00e9si eredm\u00e9ny <\/strong><\/td>\n<td width=\"71\"><strong>656.0<\/strong><\/td>\n<td width=\"71\"><strong>739.4<\/strong><\/td>\n<td width=\"71\"><strong>551.7<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>656.0<\/strong><\/td>\n<td width=\"71\"><strong>551.7<\/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\">35.8<\/td>\n<td width=\"71\">-82.1<\/td>\n<td width=\"71\">-61.7<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">35.8<\/td>\n<td width=\"71\">-61.7<\/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>691.8<\/strong><\/td>\n<td width=\"71\"><strong>657.3<\/strong><\/td>\n<td width=\"71\"><strong>490.0<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>691.8<\/strong><\/td>\n<td width=\"71\"><strong>490.0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Egy\u00e9b m\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/td>\n<td width=\"71\">-131.1<\/td>\n<td width=\"71\">-230.9<\/td>\n<td width=\"71\">-127.6<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">-131.1<\/td>\n<td width=\"71\">-127.6<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Banki tev\u00e9kenys\u00e9gre kivetett ad\u00f3k<\/td>\n<td width=\"71\">-38.8<\/td>\n<td width=\"71\">-37.1<\/td>\n<td width=\"71\">-49.9<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">-38.8<\/td>\n<td width=\"71\">-49.9<\/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\">561.8<\/td>\n<td width=\"71\">433.2<\/td>\n<td width=\"71\">361.3<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">561.8<\/td>\n<td width=\"71\">361.3<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Bev\u00e9telt terhel\u0151 ad\u00f3k<\/td>\n<td width=\"71\">-95.5<\/td>\n<td width=\"71\">-67.8<\/td>\n<td width=\"71\">-103.0<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">-95.5<\/td>\n<td width=\"71\">-103.0<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Az id\u0151szak nett\u00f3 eredm\u00e9nye<\/strong><\/td>\n<td width=\"71\"><strong>466.3<\/strong><\/td>\n<td width=\"71\"><strong>365.4<\/strong><\/td>\n<td width=\"71\"><strong>258.3<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>466.3<\/strong><\/td>\n<td width=\"71\"><strong>258.3<\/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\">89.3<\/td>\n<td width=\"71\">118.2<\/td>\n<td width=\"71\">23.0<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">89.3<\/td>\n<td width=\"71\">23.0<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Anyav\u00e1llalatra jut\u00f3 eredm\u00e9ny<\/strong><\/td>\n<td width=\"71\"><strong>377.0<\/strong><\/td>\n<td width=\"71\"><strong>247.2<\/strong><\/td>\n<td width=\"71\"><strong>235.3<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>377.0<\/strong><\/td>\n<td width=\"71\"><strong>235.3<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">R\u00e9szv\u00e9nyenk\u00e9nti megt\u00e9r\u00fcl\u00e9s<\/td>\n<td width=\"71\">0.88<\/td>\n<td width=\"71\">0.45<\/td>\n<td width=\"71\">0.55<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">0.88<\/td>\n<td width=\"71\">0.55<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">T\u0151kemegt\u00e9r\u00fcl\u00e9si r\u00e1ta (ROE)<\/td>\n<td width=\"71\">11.1%<\/td>\n<td width=\"71\">5.5%<\/td>\n<td width=\"71\">6.6%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">11.1%<\/td>\n<td width=\"71\">6.6%<\/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\">2.18%<\/td>\n<td width=\"71\">2.20%<\/td>\n<td width=\"71\">2.18%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">2.18%<\/td>\n<td width=\"71\">2.18%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">K\u00f6lts\u00e9g\/bev\u00e9tel ar\u00e1ny<\/td>\n<td width=\"71\">63.0%<\/td>\n<td width=\"71\">60.3%<\/td>\n<td width=\"71\">66.8%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">63.0%<\/td>\n<td width=\"71\">66.8%<\/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\">-0.09%<\/td>\n<td width=\"71\">0.20%<\/td>\n<td width=\"71\">0.15%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">-0.09%<\/td>\n<td width=\"71\">0.15%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Ad\u00f3r\u00e1ta<\/td>\n<td width=\"71\">17.0%<\/td>\n<td width=\"71\">15.7%<\/td>\n<td width=\"71\">28.5%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">17.0%<\/td>\n<td width=\"71\">28.5%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/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>Mar 19<\/strong><\/td>\n<td width=\"71\"><strong>Dec 19<\/strong><\/td>\n<td width=\"71\"><strong>Mar 20<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>Dec 19<\/strong><\/td>\n<td width=\"71\"><strong>Mar 20<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">K\u00e9szp\u00e9nz \u00e9s p\u00e9nzeszk\u00f6z\u00f6k<\/td>\n<td width=\"71\">16,382<\/td>\n<td width=\"71\">10,693<\/td>\n<td width=\"71\">23,031<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">10,693<\/td>\n<td width=\"71\">23,031<\/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\">45,191<\/td>\n<td width=\"71\">44,295<\/td>\n<td width=\"71\">46,970<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">44,295<\/td>\n<td width=\"71\">46,970<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Hitelint\u00e9zetekkel szembeni hitelek \u00e9s k\u00f6vetel\u00e9sek<\/td>\n<td width=\"71\">22,741<\/td>\n<td width=\"71\">23,055<\/td>\n<td width=\"71\">24,264<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">23,055<\/td>\n<td width=\"71\">24,264<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">\u00dcgyfeleknek ny\u00fajtott hitelek \u00e9s k\u00f6vetel\u00e9sek<\/td>\n<td width=\"71\">151,957<\/td>\n<td width=\"71\">160,270<\/td>\n<td width=\"71\">161,119<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">160,270<\/td>\n<td width=\"71\">161,119<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Immateri\u00e1lis javak<\/td>\n<td width=\"71\">1,489<\/td>\n<td width=\"71\">1,368<\/td>\n<td width=\"71\">1,322<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">1,368<\/td>\n<td width=\"71\">1,322<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Egy\u00e9b eszk\u00f6z\u00f6k<\/td>\n<td width=\"71\">5,946<\/td>\n<td width=\"71\">6,012<\/td>\n<td width=\"71\">6,193<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">6,012<\/td>\n<td width=\"71\">6,193<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>M\u00e9rlegf\u0151\u00f6sszeg<\/strong><\/td>\n<td width=\"71\"><strong>243,706<\/strong><\/td>\n<td width=\"71\"><strong>245,693<\/strong><\/td>\n<td width=\"71\"><strong>262,898<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>245,693<\/strong><\/td>\n<td width=\"71\"><strong>262,898<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/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\">2,277<\/td>\n<td width=\"71\">2,421<\/td>\n<td width=\"71\">3,322<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">2,421<\/td>\n<td width=\"71\">3,322<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Hitelint\u00e9zeti bet\u00e9tek<\/td>\n<td width=\"71\">20,295<\/td>\n<td width=\"71\">13,141<\/td>\n<td width=\"71\">20,703<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">13,141<\/td>\n<td width=\"71\">20,703<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">\u00dcgyf\u00e9lbet\u00e9tek<\/td>\n<td width=\"71\">166,216<\/td>\n<td width=\"71\">173,846<\/td>\n<td width=\"71\">182,211<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">173,846<\/td>\n<td width=\"71\">182,211<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Kibocs\u00e1tott k\u00f6tv\u00e9nyek<\/td>\n<td width=\"71\">28,670<\/td>\n<td width=\"71\">30,371<\/td>\n<td width=\"71\">29,413<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">30,371<\/td>\n<td width=\"71\">29,413<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Egy\u00e9b forr\u00e1sok<\/td>\n<td width=\"71\">6,492<\/td>\n<td width=\"71\">5,437<\/td>\n<td width=\"71\">6,196<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">5,437<\/td>\n<td width=\"71\">6,196<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Saj\u00e1t t\u0151ke<\/td>\n<td width=\"71\">19,754<\/td>\n<td width=\"71\">20,477<\/td>\n<td width=\"71\">21,053<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">20,477<\/td>\n<td width=\"71\">21,053<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Forr\u00e1sok \u00e9s t\u0151ke \u00f6sszesen<\/strong><\/td>\n<td width=\"71\"><strong>243,706<\/strong><\/td>\n<td width=\"71\"><strong>245,693<\/strong><\/td>\n<td width=\"71\"><strong>262,898<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>245,693<\/strong><\/td>\n<td width=\"71\"><strong>262,898<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Hitel\/bet\u00e9t ar\u00e1ny<\/td>\n<td width=\"71\">91.4%<\/td>\n<td width=\"71\">92.2%<\/td>\n<td width=\"71\">88.4%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">92.2%<\/td>\n<td width=\"71\">88.4%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">NPL-r\u00e1ta<\/td>\n<td width=\"71\">3.0%<\/td>\n<td width=\"71\">2.5%<\/td>\n<td width=\"71\">2.4%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">2.5%<\/td>\n<td width=\"71\">2.4%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">NPL-fedezeti r\u00e1ta (biztos\u00edt\u00e9kok n\u00e9lk\u00fcl)<\/td>\n<td width=\"71\">74.5%<\/td>\n<td width=\"71\">77.1%<\/td>\n<td width=\"71\">80.9%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">77.1%<\/td>\n<td width=\"71\">80.9%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">CET 1 alapt\u0151ker\u00e1ta (\u00e1tmeneti id\u0151szak)<\/td>\n<td width=\"71\">13.2%<\/td>\n<td width=\"71\">13.7%<\/td>\n<td width=\"71\">13.1%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">13.7%<\/td>\n<td width=\"71\">13.1%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Hitelbesorol\u00e1sok<\/strong><\/td>\n<td width=\"71\"><strong>Mar 19<\/strong><\/td>\n<td width=\"71\"><strong>Dec 19<\/strong><\/td>\n<td width=\"71\"><strong>Mar 20<\/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\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/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\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Kil\u00e1t\u00e1sok<\/td>\n<td width=\"71\">Stabil<\/td>\n<td width=\"71\">Stabil<\/td>\n<td width=\"71\">RWN<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/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\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/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\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Kil\u00e1t\u00e1sok<\/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\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/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\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/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\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Kil\u00e1t\u00e1sok<\/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\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u201eA most is zajl\u00f3 glob\u00e1lis v\u00e1ls\u00e1g mindny\u00e1junkat \u2013 egy\u00e9neket \u00e9s csal\u00e1dokat, de ugyan\u00fagy az orsz\u00e1gokat \u00e9s r\u00e9gi\u00f3kat, munkav\u00e1llal\u00f3kat \u00e9s v\u00e1llalatokat \u2013 olyan kih\u00edv\u00e1sok el\u00e9 \u00e1ll\u00edt, amelyeket p\u00e1r h\u00e9ttel ezel\u0151tt sem tudtunk volna m\u00e9g elk\u00e9pzelni.<\/p>\n","protected":false},"author":1001006,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[19,8],"tags":[],"_links":{"self":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/126034"}],"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\/1001006"}],"replies":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/comments?post=126034"}],"version-history":[{"count":1,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/126034\/revisions"}],"predecessor-version":[{"id":126035,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/126034\/revisions\/126035"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=126034"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=126034"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=126034"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}