{"id":130891,"date":"2020-11-02T17:08:49","date_gmt":"2020-11-02T16:08:49","guid":{"rendered":"http:\/\/gazdasagportal.hu\/?p=130891"},"modified":"2020-11-02T17:08:49","modified_gmt":"2020-11-02T16:08:49","slug":"stabilan-teljesit-az-erste-csoport-a-jarvany-hatasai-ellenere-is","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/stabilan-teljesit-az-erste-csoport-a-jarvany-hatasai-ellenere-is\/","title":{"rendered":"Stabilan teljes\u00edt az Erste Csoport a j\u00e1rv\u00e1ny hat\u00e1sai ellen\u00e9re is"},"content":{"rendered":"<p><strong><em>\u201eA p\u00e9ld\u00e1tlan v\u00e1ls\u00e1gk\u00f6rnyezet ellen\u00e9re az Erste Csoport j\u00f6vedelmez\u0151s\u00e9ge tov\u00e1bbra is kiel\u00e9g\u00edt\u0151, 2020. els\u0151 kilenc h\u00f3napj\u00e1ban 637 milli\u00f3 eur\u00f3 nett\u00f3 nyeres\u00e9get \u00e9rt el egy nagyon er\u0151s harmadik negyed\u00e9vvel. M\u0171k\u00f6d\u00e9si bev\u00e9tel\u00fcnk mind\u00f6ssze 2 sz\u00e1zal\u00e9kkal esett vissza \u00e9ves \u00f6sszehasonl\u00edt\u00e1sban, a hitelez\u00e9si vesztes\u00e9gekre k\u00e9pzett c\u00e9ltartal\u00e9k m\u00e9rt\u00e9ke 70 b\u00e1zispont volt, a folytat\u00f3d\u00f3 k\u00f6lts\u00e9gkontroll nyom\u00e1n pedig \u00e9ves \u00f6sszehasonl\u00edt\u00e1sban cs\u00f6kkentek a kiad\u00e1sok. Ezek az eredm\u00e9nyek is j\u00f3l t\u00fckr\u00f6zik \u00fczleti modell\u00fcnk \u00e9s t\u0151kehelyzet\u00fcnk erej\u00e9t, ugyanakkor a m\u0171k\u00f6d\u00e9si ter\u00fclet\u00fcnket jelent\u0151 kelet-k\u00f6z\u00e9p-eur\u00f3pai r\u00e9gi\u00f3 v\u00e1ls\u00e1g\u00e1ll\u00f3 mivolt\u00e1t is j\u00f3l jelzik. <\/em><\/strong><!--more--><\/p>\n<div class=\"ads-in-post1\"><div id=\"gazdasagportal.hu_fullbanner_wideboard\"><\/div>\r\n<\/div>\n<p><strong><em>\u00a0<\/em><\/strong><\/p>\n<p><strong><em>A 2021. \u00e9vi gazdas\u00e1gi kil\u00e1t\u00e1sok a koronav\u00edrus-j\u00e1rv\u00e1ny lefoly\u00e1s\u00e1t\u00f3l f\u00fcggenek. B\u00e1rhogy is alakuljon a helyzet, minden eddigin\u00e9l er\u0151sebb az az elk\u00f6telezetts\u00e9g\u00fcnk, hogy tov\u00e1bbra is t\u00e1mogassuk \u00fcgyfeleinket \u00e9s megfelel\u0151 eredm\u00e9nyeket mutassunk fel a r\u00e9szv\u00e9nyeseink sz\u00e1m\u00e1ra\u201d \u2013 <\/em><\/strong><strong>k\u00f6z\u00f6lte Stefan Doerfler, az Erste Csoport p\u00e9nz\u00fcgyi igazgat\u00f3ja.<\/strong><\/p>\n<p>&nbsp;<\/p><div id=\"gazda-1901001218\" 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<h3>R\u00d6VIDEN a p\u00e9nz\u00fcgyi Teljes\u00edtm\u00e9nyr\u0151l<\/h3>\n<p>&nbsp;<\/p>\n<p>Az eredm\u00e9nykimutat\u00e1sban a 2020. janu\u00e1r-szeptemberi adatokat a 2019. janu\u00e1r-szeptemberi eredm\u00e9nyekkel vetj\u00fck \u00f6ssze, a m\u00e9rleg t\u00e9telein\u00e9l pedig a 2020. szeptember 30-i adatokat a 2019. december 31-i poz\u00edci\u00f3kkal.<\/p>\n<p>&nbsp;<\/p>\n<p>A <strong>nett\u00f3 kamatbev\u00e9tel <\/strong>3589,3 milli\u00f3 eur\u00f3ra n\u0151tt els\u0151sorban az osztr\u00e1k, kisebb m\u00e9rt\u00e9kben a rom\u00e1niai le\u00e1nyv\u00e1llalatoknak k\u00f6sz\u00f6nhet\u0151en (+2,0 sz\u00e1zal\u00e9kkal 3517,4 milli\u00f3 eur\u00f3r\u00f3l). A <strong>nett\u00f3 d\u00edj- \u00e9s jutal\u00e9kbev\u00e9tel<\/strong> 1448,3 milli\u00f3 eur\u00f3ra esett vissza (-2,4 sz\u00e1zal\u00e9kkal 1484,3 milli\u00f3 eur\u00f3r\u00f3l), mivel a p\u00e9nzforgalmi szolg\u00e1ltat\u00e1sokb\u00f3l sz\u00e1rmaz\u00f3 kisebb bev\u00e9telt (17 milli\u00f3 eur\u00f3 a SEPA miatt) \u00e9s a hitelez\u00e9si tev\u00e9kenys\u00e9gb\u0151l sz\u00e1rmaz\u00f3 bev\u00e9tel cs\u00f6kken\u00e9s\u00e9t nem tudta teljes m\u00e9rt\u00e9kben ellens\u00falyozni az egy\u00e9b d\u00edj- \u00e9s jutal\u00e9kbev\u00e9telek emelked\u00e9se. Hab\u00e1r <strong>a keresked\u00e9si tev\u00e9kenys\u00e9g nett\u00f3 eredm\u00e9nye<\/strong> jelent\u0151s m\u00e9rt\u00e9kben cs\u00f6kkent (9,0 milli\u00f3 eur\u00f3ra 419,3 milli\u00f3 eur\u00f3r\u00f3l), a <strong>piaci \u00e9rt\u00e9ken nyilv\u00e1ntartott p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6k nyeres\u00e9ge\/vesztes\u00e9ge<\/strong> 81,4 milli\u00f3 eur\u00f3ra javult (-189,4 milli\u00f3 eur\u00f3r\u00f3l), mindk\u00e9t m\u00e9rlegt\u00e9telt a koronav\u00edrus-j\u00e1rv\u00e1ny k\u00f6zepette jelentkez\u0151 piaci volatilit\u00e1snak tulajdon\u00edthat\u00f3 \u00e9rt\u00e9kelts\u00e9gi hat\u00e1sok befoly\u00e1solt\u00e1k. A <strong>m\u0171k\u00f6d\u00e9si bev\u00e9tel <\/strong>5285,8 milli\u00f3 eur\u00f3ra cs\u00f6kkent (-2,0 sz\u00e1zal\u00e9kkal 5394,1 milli\u00f3 eur\u00f3r\u00f3l). Az <strong>\u00e1ltal\u00e1nos igazgat\u00e1si k\u00f6lts\u00e9gek <\/strong>3123,2 milli\u00f3 eur\u00f3ra m\u00e9rs\u00e9kl\u0151dtek (-1,2 sz\u00e1zal\u00e9kkal 3160,8 milli\u00f3 eur\u00f3r\u00f3l). Hab\u00e1r a szem\u00e9lyi kiad\u00e1sok 1902,2 milli\u00f3 eur\u00f3ra n\u00f6vekedtek (+0,8 sz\u00e1zal\u00e9kkal 1887,2 milli\u00f3 eur\u00f3r\u00f3l), az egy\u00e9b igazgat\u00e1si k\u00f6lts\u00e9gek 819,0 milli\u00f3 eur\u00f3ra cs\u00f6kkentek (-6,9 sz\u00e1zal\u00e9kkal 879,3 milli\u00f3 eur\u00f3r\u00f3l). Az egy\u00e9b igazgat\u00e1si k\u00f6lts\u00e9gek magukba foglalj\u00e1k a bet\u00e9tbiztos\u00edt\u00e1si alapokba fizetend\u0151 hozz\u00e1j\u00e1rul\u00e1sok szinte teljes 2020. \u00e9vi \u00f6sszeg\u00e9t, 100,3 milli\u00f3 eur\u00f3 \u00e9rt\u00e9kben (97,7 milli\u00f3 eur\u00f3val szemben). Az amortiz\u00e1ci\u00f3 \u00e9s \u00e9rt\u00e9kcs\u00f6kken\u00e9s 402,0 milli\u00f3 eur\u00f3t tett ki (394,4 milli\u00f3 eur\u00f3 ut\u00e1n). \u00d6sszess\u00e9g\u00e9ben a <strong>m\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/strong> 2162,7 milli\u00f3 eur\u00f3ra cs\u00f6kkent (-3,2 sz\u00e1zal\u00e9kkal 2233,3 milli\u00f3 eur\u00f3r\u00f3l). A <strong>k\u00f6lts\u00e9g\/bev\u00e9tel r\u00e1ta<\/strong> 59,1 sz\u00e1zal\u00e9kra n\u0151tt (58,6 sz\u00e1zal\u00e9kr\u00f3l).<\/p>\n<div class=\"ads-in-post1\"><div id=\"gazdasagportal.hu_fullbanner_wideboard\"><\/div>\r\n<\/div>\n&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> -870,1 milli\u00f3 eur\u00f3 lett, vagyis az \u00e1tlagos brutt\u00f3 \u00fcgyf\u00e9lhitelek \u00e1llom\u00e1ny\u00e1nak ar\u00e1ny\u00e1ban 70 b\u00e1zispontot tett ki (szemben az el\u0151z\u0151 \u00e9vi 42,9 milli\u00f3 eur\u00f3 nett\u00f3 vissza\u00edr\u00e1ssal \u00e9s -4 b\u00e1zisponttal). Minden els\u0151dleges piacunkon n\u0151tt a hitelekhez, valamint az egy\u00e9b k\u00f6telezetts\u00e9gekhez \u00e9s ny\u00fajtott garanci\u00e1khoz k\u00f6t\u0151d\u0151 c\u00e9ltartal\u00e9kk\u00e9pz\u00e9s m\u00e9rt\u00e9ke. Ugyanakkor pozit\u00edv hat\u00e1st jelentett a m\u00e1r kor\u00e1bban le\u00edrt hiteleken realiz\u00e1lt megt\u00e9r\u00fcl\u00e9s Rom\u00e1ni\u00e1ban. A brutt\u00f3 \u00fcgyf\u00e9lhitelekre sz\u00e1m\u00edtott NPL-r\u00e1ta 2,4 sz\u00e1zal\u00e9kra javult (2,5 sz\u00e1zal\u00e9kr\u00f3l). Az NPL-fedezeti ar\u00e1ny pedig 95,5 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>-213,6 milli\u00f3 eur\u00f3ra javult (-397,2 milli\u00f3 eur\u00f3r\u00f3l). A szan\u00e1l\u00e1si alapokba fizetend\u0151 \u00e9ves hozz\u00e1j\u00e1rul\u00e1s 93,7 milli\u00f3 eur\u00f3ra emelkedett (75,3 milli\u00f3 eur\u00f3r\u00f3l) f\u0151k\u00e9nt az Ausztri\u00e1ban fizetend\u0151 \u00f6sszeg miatt. A bankad\u00f3k \u00e9s tranzakci\u00f3s illet\u00e9kek 100,3 milli\u00f3 eur\u00f3ra n\u0151ttek (90,9 milli\u00f3 eur\u00f3r\u00f3l), f\u0151leg amiatt, hogy Szlov\u00e1ki\u00e1ban 24,2 milli\u00f3 eur\u00f3r\u00f3l 33,8 milli\u00f3 eur\u00f3ra n\u0151tt az els\u0151 f\u00e9l\u00e9vben az id\u00e9n utolj\u00e1ra kivetett bankad\u00f3. A magyarorsz\u00e1gi bankad\u00f3 a teljes 2020-as p\u00e9nz\u00fcgyi \u00e9vben 14,4 milli\u00f3 eur\u00f3t tesz ki (az el\u0151z\u0151 \u00e9vi 12,6 milli\u00f3 eur\u00f3 ut\u00e1n). Az el\u0151z\u0151 \u00e9v hasonl\u00f3 id\u0151szak\u00e1ban az egy\u00e9b m\u0171k\u00f6d\u00e9si eredm\u00e9nyben szerepelt 150,8 milli\u00f3 eur\u00f3 c\u00e9ltartal\u00e9k is a rom\u00e1n le\u00e1nyv\u00e1llalat \u00fczleti tev\u00e9kenys\u00e9g\u00e9t \u00e9rint\u0151 legfels\u0151bb b\u00edr\u00f3s\u00e1gi hat\u00e1rozat nyom\u00e1n v\u00e1rhat\u00f3 vesztes\u00e9gekre.<\/p>\n<p>&nbsp;<\/p>\n<p>A bev\u00e9teleket terhel\u0151 ad\u00f3k 264,2 milli\u00f3 eur\u00f3ra m\u00e9rs\u00e9kl\u0151dtek (350,9 milli\u00f3 eur\u00f3r\u00f3l). A kisebbs\u00e9gi r\u00e9szesed\u00e9sek ut\u00e1ni nyeres\u00e9g 177,1 milli\u00f3 eur\u00f3ra cs\u00f6kkent (322,7 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>637,1 milli\u00f3 eur\u00f3t tett ki (-47,9 sz\u00e1zal\u00e9k az el\u0151z\u0151 1223,0 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 19,5 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) 16,4 milli\u00e1rd eur\u00f3ra n\u0151tt (16,3 milli\u00e1rd eur\u00f3r\u00f3l), a bankcsoport <strong>szavatol\u00f3 t\u0151k\u00e9je<\/strong> (v\u00e9gleges) 22,4 milli\u00e1rdra emelkedett (22 milli\u00e1rd eur\u00f3r\u00f3l). A fenti adatok tartalmazz\u00e1k az els\u0151 f\u00e9l\u00e9vben realiz\u00e1lt \u00e9vk\u00f6zi nyeres\u00e9get, azonban a harmadik negyed\u00e9vi \u00e9vk\u00f6zi nyeres\u00e9get 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 az els\u0151 h\u00e1rom negyed\u00e9v sor\u00e1n 116,1 milli\u00e1rd eur\u00f3ra m\u00e9rs\u00e9kl\u0151d\u00f6tt (118,6 milli\u00e1rd eur\u00f3r\u00f3l). Az <strong>els\u0151dleges Tier-1 t\u0151ker\u00e1ta <\/strong>(CET1, v\u00e9gleges) 14,1 sz\u00e1zal\u00e9kra n\u0151tt (13,7 sz\u00e1zal\u00e9kr\u00f3l), a <strong>teljes t\u0151ker\u00e1ta <\/strong>pedig 19,3 sz\u00e1zal\u00e9k lett (18,5 sz\u00e1zal\u00e9k ut\u00e1n).<\/p>\n<div class=\"ads-in-post1\"><div id=\"gazdasagportal.hu_fullbanner_wideboard\"><\/div>\r\n<\/div>\n&nbsp;<\/p>\n<p>A bankcsoport <strong>m\u00e9rlegf\u0151\u00f6sszege <\/strong>272,0 milli\u00e1rd eur\u00f3ra n\u0151tt (245,7 milli\u00e1rd eur\u00f3r\u00f3l). Eszk\u00f6z oldalon a k\u00e9szp\u00e9nz- \u00e9s p\u00e9nzeszk\u00f6z\u00f6k f\u0151k\u00e9nt Ausztri\u00e1ban emelkedtek, \u00f6sszesen 27,8 milli\u00e1rd eur\u00f3t tettek ki (10,7 milli\u00e1rd eur\u00f3 ut\u00e1n), ugyanakkor a hitelint\u00e9zeteknek ny\u00fajtott hitelek \u00e9s m\u00e1s kintl\u00e9v\u0151s\u00e9gek \u00e1llom\u00e1nya is emelkedett, 25,7 milli\u00e1rd eur\u00f3ra (23,1 milli\u00e1rd eur\u00f3r\u00f3l). Az <strong>\u00fcgyfeleknek ny\u00fajtott hitelek \u00e9s k\u00f6vetel\u00e9sek \u00e1llom\u00e1nya<\/strong> 164,5 milli\u00e1rd eur\u00f3ra n\u0151tt (+2,6 sz\u00e1zal\u00e9kkal 160,3 milli\u00e1rd eur\u00f3r\u00f3l). Forr\u00e1s oldalon a <strong>hitelint\u00e9zetek \u00e1ltal elhelyezett bet\u00e9tek<\/strong> jelent\u0151s m\u00e9rt\u00e9kben, 26,4 milli\u00e1rd eur\u00f3ra emelkedtek (13,1 milli\u00e1rd eur\u00f3r\u00f3l) az Eur\u00f3pai K\u00f6zponti Bank \u00e1ltal biztos\u00edtott refinansz\u00edroz\u00e1s (TLTRO-tranzakci\u00f3k) nagyobb volumene nyom\u00e1n. Az <strong>\u00fcgyf\u00e9lbet\u00e9tek<\/strong> \u00e1llom\u00e1nya tov\u00e1bb n\u0151tt \u2013 legink\u00e1bb Csehorsz\u00e1gban \u00e9s Ausztri\u00e1ban \u2013 \u00edgy 184,8 milli\u00e1rd eur\u00f3t tett ki (+6,3 sz\u00e1zal\u00e9k 173,8 milli\u00e1rd eur\u00f3r\u00f3l). A <strong>hitel\/bet\u00e9t r\u00e1ta <\/strong>89,0 sz\u00e1zal\u00e9kon \u00e1llt (az el\u0151z\u0151 \u00e9vi 92,2 sz\u00e1zal\u00e9k ut\u00e1n).<\/p>\n<p>&nbsp;<\/p>\n<h3><\/h3>\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 19<\/strong><\/td>\n<td width=\"71\"><strong>Q2 20<\/strong><\/td>\n<td width=\"71\"><strong>Q3 20<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>1-9 19<\/strong><\/td>\n<td width=\"71\"><strong>1-9 20<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Nett\u00f3 kamatbev\u00e9tel<\/td>\n<td width=\"71\">1\u00a0187,7<\/td>\n<td width=\"71\">1\u00a0167,9<\/td>\n<td width=\"71\">1\u00a0192,4<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">3\u00a0517,4<\/td>\n<td width=\"71\">3\u00a0589,3<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Netto\u0301 di\u0301j- e\u0301s jutale\u0301kbeve\u0301tel<\/td>\n<td width=\"71\">503,9<\/td>\n<td width=\"71\">452,5<\/td>\n<td width=\"71\">491,6<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">1\u00a0484,3<\/td>\n<td width=\"71\">1\u00a0448,3<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Kereskede\u0301si teve\u0301kenyse\u0301g netto\u0301 eredme\u0301nye<\/td>\n<td width=\"71\">60,0<\/td>\n<td width=\"71\">129,2<\/td>\n<td width=\"71\">81,0<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">229,9<\/td>\n<td width=\"71\">90,4<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Mu\u030bko\u0308de\u0301si beve\u0301telek<\/td>\n<td width=\"71\">1\u00a0801,2<\/td>\n<td width=\"71\">1\u00a0808,9<\/td>\n<td width=\"71\">1\u00a0814,0<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">5\u00a0394,1<\/td>\n<td width=\"71\">5\u00a0285,8<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Mu\u030bko\u0308de\u0301si kiad\u00e1sok<\/td>\n<td width=\"71\">-1\u00a0014,9<\/td>\n<td width=\"71\">-1\u00a0003,5<\/td>\n<td width=\"71\">-1\u00a0008,5<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">-3\u00a0160,8<\/td>\n<td width=\"71\">-3\u00a0123,2<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Mu\u030bko\u0308de\u0301si eredme\u0301ny<\/strong><\/td>\n<td width=\"71\"><strong>786,4<\/strong><\/td>\n<td width=\"71\"><strong>805,4<\/strong><\/td>\n<td width=\"71\"><strong>805,5<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>2\u00a0233,3<\/strong><\/td>\n<td width=\"71\"><strong>2\u00a0162,7<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">E\u0301rte\u0301kveszte\u0301s a nem valo\u0301s e\u0301rte\u0301ken e\u0301rte\u0301kelt pe\u0301nzu\u0308gyi eszko\u0308zo\u0308kre<\/td>\n<td width=\"71\">0,1<\/td>\n<td width=\"71\">-613,7<\/td>\n<td width=\"71\">-194,7<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">42,9<\/td>\n<td width=\"71\">-870,1<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Ce\u0301ltartale\u0301kola\u0301s uta\u0301ni mu\u030bko\u0308de\u0301si eredme\u0301ny<\/strong><\/td>\n<td width=\"71\"><strong>786,5<\/strong><\/td>\n<td width=\"71\"><strong>191,8<\/strong><\/td>\n<td width=\"71\"><strong>610,8<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>2\u00a0276,2<\/strong><\/td>\n<td width=\"71\"><strong>1\u00a0292,6<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Egye\u0301b mu\u030bko\u0308de\u0301si eredme\u0301ny<\/td>\n<td width=\"71\">-46,2<\/td>\n<td width=\"71\">-42,3<\/td>\n<td width=\"71\">-43,8<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">-397,2<\/td>\n<td width=\"71\">-213,6<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Banki teve\u0301kenyse\u0301gre kivetett ado\u0301k<\/td>\n<td width=\"71\">-26,2<\/td>\n<td width=\"71\">-33,1<\/td>\n<td width=\"71\">-17,3<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">-90,9<\/td>\n<td width=\"71\">-100,3<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Folytato\u0301do\u0301 teve\u0301kenyse\u0301g ado\u0301za\u0301s elo\u030btti eredme\u0301nye<\/td>\n<td width=\"71\">746,8<\/td>\n<td width=\"71\">148,8<\/td>\n<td width=\"71\">568,3<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">1\u00a0896,6<\/td>\n<td width=\"71\">1\u00a0078,4<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Beve\u0301telt terhelo\u030b ado\u0301k<\/td>\n<td width=\"71\">-138,2<\/td>\n<td width=\"71\">-37,3<\/td>\n<td width=\"71\">-123,9<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">-350,9<\/td>\n<td width=\"71\">-264,2<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Az ido\u030bszak netto\u0301 eredme\u0301nye<\/strong><\/td>\n<td width=\"71\"><strong>608,6<\/strong><\/td>\n<td width=\"71\"><strong>111,5<\/strong><\/td>\n<td width=\"71\"><strong>444,4<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>1\u00a0545,7<\/strong><\/td>\n<td width=\"71\"><strong>814,2<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Kisebbse\u0301gi e\u0301rdekeltse\u0301gekre juto\u0301 netto\u0301 eredme\u0301ny<\/td>\n<td width=\"71\">117,6<\/td>\n<td width=\"71\">53,0<\/td>\n<td width=\"71\">101,0<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">322,7<\/td>\n<td width=\"71\">177,1<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Anyava\u0301llalatra juto\u0301 eredme\u0301ny<\/strong><\/td>\n<td width=\"71\"><strong>491,1<\/strong><\/td>\n<td width=\"71\"><strong>58,5<\/strong><\/td>\n<td width=\"71\"><strong>343,3<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>1\u00a0223,0<\/strong><\/td>\n<td width=\"71\"><strong>637,1<\/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\">Re\u0301szve\u0301nyenke\u0301nti megte\u0301ru\u0308le\u0301s<\/td>\n<td width=\"71\">1,15<\/td>\n<td width=\"71\">0,02<\/td>\n<td width=\"71\">0,81<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">2,78<\/td>\n<td width=\"71\">1,37<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">T\u0151kemegt\u00e9r\u00fcl\u00e9si r\u00e1ta (ROE)<\/td>\n<td width=\"71\">14,3%<\/td>\n<td width=\"71\">0,2%<\/td>\n<td width=\"71\">9,6%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">11,6%<\/td>\n<td width=\"71\">5,5%<\/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\">2,14%<\/td>\n<td width=\"71\">2,04%<\/td>\n<td width=\"71\">2,04%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">2,17%<\/td>\n<td width=\"71\">2,09%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">K\u00f6lts\u00e9g\/bev\u00e9tel ar\u00e1ny<\/td>\n<td width=\"71\">56,3%<\/td>\n<td width=\"71\">55,5%<\/td>\n<td width=\"71\">55,6%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">58,6%<\/td>\n<td width=\"71\">59,1%<\/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\">0,00%<\/td>\n<td width=\"71\">1,48%<\/td>\n<td width=\"71\">0,46%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">-0,04%<\/td>\n<td width=\"71\">0,70%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Ad\u00f3r\u00e1ta<\/td>\n<td width=\"71\">18,5%<\/td>\n<td width=\"71\">25,1%<\/td>\n<td width=\"71\">21,8%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">18,5%<\/td>\n<td width=\"71\">24,5%<\/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>Sep 19<\/strong><\/td>\n<td width=\"71\"><strong>Jun 20<\/strong><\/td>\n<td width=\"71\"><strong>Sep 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>Sep 20<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"289\">K\u00e9szp\u00e9nz \u00e9s p\u00e9nzeszk\u00f6z\u00f6k<\/td>\n<td width=\"71\">15 638<\/td>\n<td width=\"71\">18 433<\/td>\n<td width=\"71\">27 848<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">10 693<\/td>\n<td width=\"71\">27 848<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Keresked\u00e9si c\u00e9l\u00fa eszk\u00f6z\u00f6k \u00e9s p\u00e9nzeszk\u00f6z\u00f6k<\/td>\n<td width=\"71\">45 895<\/td>\n<td width=\"71\">47 667<\/td>\n<td width=\"71\">46 511<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">44 295<\/td>\n<td width=\"71\">46 511<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Hitelint\u00e9zetekkel szembeni hitelek \u00e9s k\u00f6vetel\u00e9sek<\/td>\n<td width=\"71\">25 241<\/td>\n<td width=\"71\">27 418<\/td>\n<td width=\"71\">25 672<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">23 055<\/td>\n<td width=\"71\">25 672<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">\u00dcgyfeleknek ny\u00fajtott hitelek \u00e9s k\u00f6vetel\u00e9sek<\/td>\n<td width=\"71\">157 841<\/td>\n<td width=\"71\">163 736<\/td>\n<td width=\"71\">164 514<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">160 270<\/td>\n<td width=\"71\">164 514<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Immateri\u00e1lis javak<\/td>\n<td width=\"71\">1 491<\/td>\n<td width=\"71\">1 331<\/td>\n<td width=\"71\">1 331<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">1 368<\/td>\n<td width=\"71\">1 331<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Egy\u00e9b eszk\u00f6z\u00f6k<\/td>\n<td width=\"71\">5 996<\/td>\n<td width=\"71\">6 106<\/td>\n<td width=\"71\">6 107<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">6 012<\/td>\n<td width=\"71\">6 107<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>M\u00e9rlegf\u0151\u00f6sszeg<\/strong><\/td>\n<td width=\"71\"><strong>252 101<\/strong><\/td>\n<td width=\"71\"><strong>264 692<\/strong><\/td>\n<td width=\"71\"><strong>271 983<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>245 693<\/strong><\/td>\n<td width=\"71\"><strong>271 983<\/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\">2 751<\/td>\n<td width=\"71\">2 737<\/td>\n<td width=\"71\">2 845<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">2 421<\/td>\n<td width=\"71\">2 845<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Hitelint\u00e9zeti bet\u00e9tek<\/td>\n<td width=\"71\">19 936<\/td>\n<td width=\"71\">21 984<\/td>\n<td width=\"71\">26 433<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">13 141<\/td>\n<td width=\"71\">26 433<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">\u00dcgyf\u00e9lbet\u00e9tek<\/td>\n<td width=\"71\">172 511<\/td>\n<td width=\"71\">182 670<\/td>\n<td width=\"71\">184 830<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">173 846<\/td>\n<td width=\"71\">184 830<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Kibocs\u00e1tott k\u00f6tv\u00e9nyek<\/td>\n<td width=\"71\">30 103<\/td>\n<td width=\"71\">29 431<\/td>\n<td width=\"71\">29 675<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">30 371<\/td>\n<td width=\"71\">29 675<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Egy\u00e9b forr\u00e1sok<\/td>\n<td width=\"71\">6 670<\/td>\n<td width=\"71\">6 669<\/td>\n<td width=\"71\">6 762<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">5 437<\/td>\n<td width=\"71\">6 762<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">Saj\u00e1t t\u0151ke<\/td>\n<td width=\"71\">20 130<\/td>\n<td width=\"71\">21 200<\/td>\n<td width=\"71\">21 438<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">20 477<\/td>\n<td width=\"71\">21 438<\/td>\n<\/tr>\n<tr>\n<td width=\"289\"><strong>Forr\u00e1sok \u00e9s t\u0151ke \u00f6sszesen<\/strong><\/td>\n<td width=\"71\"><strong>252 101<\/strong><\/td>\n<td width=\"71\"><strong>264 692<\/strong><\/td>\n<td width=\"71\"><strong>271 983<\/strong><\/td>\n<td width=\"20\"><strong>\u00a0<\/strong><\/td>\n<td width=\"71\"><strong>245 693<\/strong><\/td>\n<td width=\"71\"><strong>271 983<\/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\">91,5%<\/td>\n<td width=\"71\">89,6%<\/td>\n<td width=\"71\">89,0%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">92,2%<\/td>\n<td width=\"71\">89,0%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">NPL-r\u00e1ta<\/td>\n<td width=\"71\">2,7%<\/td>\n<td width=\"71\">2,4%<\/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\">76,9%<\/td>\n<td width=\"71\">91,1%<\/td>\n<td width=\"71\">95,5%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">77,1%<\/td>\n<td width=\"71\">95,5%<\/td>\n<\/tr>\n<tr>\n<td width=\"289\">CET-1 alapt\u0151ker\u00e1ta (CRR. v\u00e9gleges)<\/td>\n<td width=\"71\">13,1%<\/td>\n<td width=\"71\">14,2%<\/td>\n<td width=\"71\">14,1%<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">13,7%<\/td>\n<td width=\"71\">14,1%<\/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>Sep 19<\/strong><\/td>\n<td width=\"71\"><strong>Jun 20<\/strong><\/td>\n<td width=\"71\"><strong>Sep 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\">RWN<\/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\">Stabil<\/td>\n<td width=\"71\">Stabil<\/td>\n<td width=\"20\">&nbsp;<\/td>\n<td width=\"71\">&nbsp;<\/td>\n<td width=\"71\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>\u201eA p\u00e9ld\u00e1tlan v\u00e1ls\u00e1gk\u00f6rnyezet ellen\u00e9re az Erste Csoport j\u00f6vedelmez\u0151s\u00e9ge tov\u00e1bbra is kiel\u00e9g\u00edt\u0151, 2020. els\u0151 kilenc h\u00f3napj\u00e1ban 637 milli\u00f3 eur\u00f3 nett\u00f3 nyeres\u00e9get \u00e9rt el egy nagyon er\u0151s harmadik negyed\u00e9vvel. M\u0171k\u00f6d\u00e9si bev\u00e9tel\u00fcnk mind\u00f6ssze 2 sz\u00e1zal\u00e9kkal esett vissza \u00e9ves \u00f6sszehasonl\u00edt\u00e1sban, a hitelez\u00e9si vesztes\u00e9gekre k\u00e9pzett c\u00e9ltartal\u00e9k m\u00e9rt\u00e9ke 70 b\u00e1zispont volt, a folytat\u00f3d\u00f3 k\u00f6lts\u00e9gkontroll nyom\u00e1n pedig \u00e9ves \u00f6sszehasonl\u00edt\u00e1sban cs\u00f6kkentek a kiad\u00e1sok. &#8230;<\/p>\n","protected":false},"author":1001006,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[19],"tags":[],"_links":{"self":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/130891"}],"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=130891"}],"version-history":[{"count":1,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/130891\/revisions"}],"predecessor-version":[{"id":130894,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/130891\/revisions\/130894"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=130891"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=130891"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=130891"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}