{"id":133296,"date":"2021-02-18T23:56:03","date_gmt":"2021-02-18T22:56:03","guid":{"rendered":"http:\/\/gazdasagportal.hu\/?p=133296"},"modified":"2021-02-18T23:56:03","modified_gmt":"2021-02-18T22:56:03","slug":"hitelminosites-javitotta-a-moodys-a-budapest-bank-es-az-mkb-minositeseit","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/hitelminosites-javitotta-a-moodys-a-budapest-bank-es-az-mkb-minositeseit\/","title":{"rendered":"Hitelmin\u0151s\u00edt\u00e9s &#8211; Jav\u00edtotta a Moody&#8217;s a Budapest Bank \u00e9s az MKB min\u0151s\u00edt\u00e9seit"},"content":{"rendered":"<p><strong>Jav\u00edtotta cs\u00fct\u00f6rt\u00f6k\u00f6n a Budapest Bank \u00e9s az MKB Bank egyes min\u0151s\u00edt\u00e9seit, illetve bet\u00e9toszt\u00e1lyzati kil\u00e1t\u00e1sukat a Moody&#8217;s Investors Service. A nemzetk\u00f6zi hitelmin\u0151s\u00edt\u0151 a m\u00e1sodik legnagyobb magyarorsz\u00e1gi p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00e1si csoport l\u00e9trej\u00f6tt\u00e9t eredm\u00e9nyez\u0151 bankr\u00e9szv\u00e9ny-tranzakci\u00f3 potenci\u00e1lis el\u0151nyeivel indokolta a l\u00e9p\u00e9st.<\/strong><!--more--><\/p>\n<div class=\"ads-in-post1\"><div id=\"gazdasagportal.hu_fullbanner_wideboard\"><\/div>\r\n<\/div>\n<p>    A Moody&#8217;s cs\u00fct\u00f6rt\u00f6k este Londonban k\u00f6z\u00f6lte, hogy az eddigi stabilr\u00f3l felmin\u0151s\u00edt\u00e9s lehet\u0151s\u00e9g\u00e9re utal\u00f3 pozit\u00edvra m\u00f3dos\u00edtotta a k\u00e9t bank hossz\u00fa futam\u00fa bet\u00e9ti besorol\u00e1sainak kil\u00e1t\u00e1s\u00e1t.<br \/>\n    A c\u00e9g az MKB hossz\u00fa lek\u00f6t\u00e9s\u0171 bet\u00e9t\u00e1llom\u00e1ny\u00e1nak oszt\u00e1lyzat\u00e1t ezzel egy id\u0151ben &#8222;Ba3&#8221;-r\u00f3l egy fokozattal &#8222;Ba2&#8221;-re, a bank alapszint\u0171 ad\u00f3smin\u0151s\u00e9g-\u00e9rt\u00e9kel\u00e9s\u00e9nek (baseline credit assessment, BCA) mutat\u00f3j\u00e1t &#8222;b2&#8221;-r\u0151l &#8222;b1&#8221;-re, hossz\u00fa t\u00e1v\u00fa partnerkock\u00e1zati meg\u00edt\u00e9l\u00e9s\u00e9t (Counterparty Risk Assessment, CRA) &#8222;Ba2(cr)&#8221;-r\u0151l &#8222;Ba1(cr)&#8221;-re, a hossz\u00fa t\u00e1v\u00fa partnerkock\u00e1zati min\u0151s\u00edt\u00e9seket (Counterparty Risk Ratings, CRR) &#8222;Ba2&#8221;-r\u0151l &#8222;Ba1&#8221;-re jav\u00edtotta.<br \/>\n    A Moody&#8217;s a Budapest Bank &#8222;Ba2&#8221; hossz\u00fa lek\u00f6t\u00e9s\u0171 bet\u00e9t\u00e1llom\u00e1ny\u00e1nak besorol\u00e1s\u00e1t, &#8222;b1&#8221; BCA-\u00e9rt\u00e9kel\u00e9s\u00e9t, &#8222;Ba1(cr)&#8221;-\u00e9rt\u00e9kel\u00e9s\u00e9t \u00e9s &#8222;Ba1&#8221; hossz\u00fa t\u00e1v\u00fa CRR-min\u0151s\u00edt\u00e9s\u00e9t meger\u0151s\u00edtette, ugyancsak a hossz\u00fa futam\u00fa bet\u00e9ti besorol\u00e1s kil\u00e1t\u00e1s\u00e1nak pozit\u00edvra jav\u00edt\u00e1sa mellett.<br \/>\n    A Moody&#8217;s cs\u00fct\u00f6rt\u00f6k\u00f6n bejelentett l\u00e9p\u00e9seinek k\u00f6zvetlen el\u0151zm\u00e9nyek\u00e9nt, a tavalyi \u00e9v v\u00e9g\u00e9n megkezdte m\u0171k\u00f6d\u00e9s\u00e9t a Magyar Bankholding Zrt., miut\u00e1n a Magyar Nemzeti Bank enged\u00e9ly\u00e9nek birtok\u00e1ban a Budapest Bank Zrt., az MKB Bank Nyrt. \u00e9s az MTB Zrt. meghat\u00e1roz\u00f3 tulajdonosai apport\u00e1lt\u00e1k banki r\u00e9szv\u00e9nyeiket a Magyar Bankholdingba.<br \/>\n    Cs\u00fct\u00f6rt\u00f6ki elemz\u00e9s\u00e9ben a Moody&#8217;s k\u00f6z\u00f6lte: j\u00f3llehet a fel\u00fcgyeleti enged\u00e9lyez\u00e9si d\u00f6nt\u00e9sek m\u00e9g folyamatban vannak, az\u00e9rt jav\u00edtotta pozit\u00edvra a Budapest Bank \u00e9s az MKB bet\u00e9toszt\u00e1lyzati kil\u00e1t\u00e1s\u00e1t, mert v\u00e1rakoz\u00e1sa szerint a h\u00e1romoldal\u00fa tranzakci\u00f3val kialakult, kombin\u00e1lt banki entit\u00e1s sz\u00e1m\u00e1ra el\u0151ny\u00f6s lesz az \u00fcgylet r\u00e9v\u00e9n meger\u0151s\u00f6d\u00f6tt egy\u00fcttm\u0171k\u00f6d\u00e9si forma \u00e9s a javul\u00f3 p\u00e9nz\u00fcgyi teljes\u00edtm\u00e9ny.<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    A hitelmin\u0151s\u00edt\u0151 szerint az egyes\u00fcl\u00e9s, amely 5700 milli\u00e1rd forintos egy\u00fcttes eszk\u00f6z\u00e1llom\u00e1ny\u00e1val Magyarorsz\u00e1g m\u00e1sodik legnagyobb bankcsoportj\u00e1t hozta l\u00e9tre, jelent\u0151s szinergiahozad\u00e9kokat \u00edg\u00e9r.<br \/>\n    Mindemellett az egyes\u00edtett p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00e1si v\u00e1llalat sz\u00e1m\u00e1ra el\u0151ny\u00f6s lesz az is, hogy a kinnlev\u0151s\u00e9g-portfoli\u00f3 soksz\u00edn\u0171bb\u00e9 v\u00e1lik, a finansz\u00edroz\u00e1si b\u00e1zison bel\u00fcl pedig magasabb lesz a lakoss\u00e1gi bet\u00e9tek ar\u00e1nya ann\u00e1l, amelyre a Budapest Bank \u00e9s az MKB jelenleg t\u00e1maszkodhat.<br \/>\n    Az MKB BCA-oszt\u00e1lyzat\u00e1nak felmin\u0151s\u00edt\u00e9se azt t\u00fckr\u00f6zi, hogy a bank fizet\u0151k\u00e9pess\u00e9gi mutat\u00f3i tavaly fokozatosan javultak, els\u0151sorban a probl\u00e9m\u00e1s k\u00f6vetel\u00e9s\u00e1llom\u00e1ny cs\u00f6kken\u00e9se miatt, \u00e9s \u00edgy a bank er\u0151sebb poz\u00edci\u00f3ban \u00e1llhat helyt a jelenlegi neh\u00e9z m\u0171k\u00f6d\u00e9si k\u00f6rnyezetben &#8211; \u00e1ll a Moody&#8217;s \u00e9rt\u00e9kel\u00e9s\u00e9ben.<br \/>\n    A hitelmin\u0151s\u00edt\u0151 k\u00f6z\u00f6lte: saj\u00e1t sz\u00e1m\u00edt\u00e1si m\u00f3dszertana alapj\u00e1n az MKB nem teljes\u00edt\u0151 kinnlev\u0151s\u00e9g-\u00e1llom\u00e1nya a brutt\u00f3 kihelyezett hitel\u00e9rt\u00e9khez m\u00e9rve tavaly szeptemberig 3,84 sz\u00e1zal\u00e9kra cs\u00f6kkent a 2019 december\u00e9ben m\u00e9rt 4,69 sz\u00e1zal\u00e9kr\u00f3l, illetve a 2018. decemberi 8,79 sz\u00e1zal\u00e9kr\u00f3l.<br \/>\n    Mindek\u00f6zben a probl\u00e9m\u00e1s k\u00f6vetel\u00e9sek fedezeti r\u00e1t\u00e1ja szeptemberig 118 sz\u00e1zal\u00e9kra emelkedett a 2019 v\u00e9gi 101 sz\u00e1zal\u00e9kr\u00f3l &#8211; hangs\u00falyozza cs\u00fct\u00f6rt\u00f6ki londoni elemz\u00e9s\u00e9ben a Moody&#8217;s.<br \/>\n    A hitelmin\u0151s\u00edt\u0151 hozz\u00e1teszi: az MKB el\u0151retekint\u0151 jelleg\u0171 tartal\u00e9kol\u00e1st is v\u00e9grehajtott a koronav\u00edrus-j\u00e1rv\u00e1ny \u00e1ltal a hitelportfoli\u00f3 min\u0151s\u00e9g\u00e9re gyakorolt hat\u00e1s kiv\u00e9d\u00e9s\u00e9re.<br \/>\n    A Budapest Bank BCA-\u00e9rt\u00e9kel\u00e9s\u00e9nek meger\u0151s\u00edt\u00e9s\u00e9hez f\u0171z\u00f6tt indokl\u00e1s\u00e1ban a Moody&#8217;s kiemelte, hogy tavaly ennek a p\u00e9nzint\u00e9zetnek a fizet\u0151k\u00e9pess\u00e9gi mutat\u00f3i is javultak, szint\u00e9n a probl\u00e9m\u00e1s k\u00f6vetel\u00e9s\u00e1llom\u00e1ny cs\u00f6kken\u00e9se miatt, de a meger\u0151s\u00edt\u00e9si d\u00f6nt\u00e9s t\u00e9nyez\u0151inek egyenleg\u00e9ben szerepelnek a tranzakci\u00f3 kivitelez\u00e9si kock\u00e1zatai is. A Moody&#8217;s szerint ezt t\u00fckr\u00f6zi, hogy a Budapest Bank BCA-besorol\u00e1sa egy fokozattal elmarad a bank p\u00e9nz\u00fcgyi profilj\u00e1t\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    Az eszk\u00f6zmin\u0151s\u00e9g ugyanakkor a Budapest Bank eset\u00e9ben is javult, a nem teljes\u00edt\u0151 kinnlev\u0151s\u00e9g-\u00e1llom\u00e1ny 2019 v\u00e9g\u00e9re 5,5 sz\u00e1zal\u00e9kra cs\u00f6kkent az egy \u00e9vvel kor\u00e1bbi 8,4 sz\u00e1zal\u00e9kr\u00f3l, a fedezeti r\u00e1ta ugyanezen id\u0151 alatt 83 sz\u00e1zal\u00e9kr\u00f3l 92 sz\u00e1zal\u00e9kra emelkedett, \u00e9s a Moody&#8217;s abb\u00f3l a felt\u00e9telez\u00e9sb\u0151l indul ki, hogy ezek a mutat\u00f3k &#8211; a magyar bankszektor eg\u00e9sz\u00e9vel egy\u00fctt &#8211; tavaly m\u00e9g tov\u00e1bb javultak &#8211; \u00e1ll az elemz\u00e9sben.(MTI)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Jav\u00edtotta cs\u00fct\u00f6rt\u00f6k\u00f6n a Budapest Bank \u00e9s az MKB Bank egyes min\u0151s\u00edt\u00e9seit, illetve bet\u00e9toszt\u00e1lyzati kil\u00e1t\u00e1sukat a Moody&#8217;s Investors Service. A nemzetk\u00f6zi hitelmin\u0151s\u00edt\u0151 a m\u00e1sodik legnagyobb magyarorsz\u00e1gi p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00e1si csoport l\u00e9trej\u00f6tt\u00e9t eredm\u00e9nyez\u0151 bankr\u00e9szv\u00e9ny-tranzakci\u00f3 potenci\u00e1lis el\u0151nyeivel indokolta a l\u00e9p\u00e9st.<\/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\/133296"}],"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=133296"}],"version-history":[{"count":1,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/133296\/revisions"}],"predecessor-version":[{"id":133297,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/133296\/revisions\/133297"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=133296"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=133296"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=133296"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}