{"id":133477,"date":"2021-02-26T11:57:17","date_gmt":"2021-02-26T10:57:17","guid":{"rendered":"http:\/\/gazdasagportal.hu\/?p=133477"},"modified":"2021-02-26T11:57:17","modified_gmt":"2021-02-26T10:57:17","slug":"az-erste-csoport-783-millio-euro-netto-nyereseget-ert-el-a-koronavirus-eveben","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/az-erste-csoport-783-millio-euro-netto-nyereseget-ert-el-a-koronavirus-eveben\/","title":{"rendered":"Az Erste Csoport 783 milli\u00f3 eur\u00f3 nett\u00f3 nyeres\u00e9get \u00e9rt el a koronav\u00edrus \u00e9v\u00e9ben"},"content":{"rendered":"<p><strong>Az Erste Csoport, Kelet-K\u00f6z\u00e9p-Eur\u00f3pa vezet\u0151 hitelint\u00e9zete a koronav\u00edrus \u00e9v\u00e9t, 2020-at stabil, 2,9 milli\u00e1rd eur\u00f3s m\u0171k\u00f6d\u00e9si eredm\u00e9nnyel z\u00e1rta (-1.3% \u00e9ves \u00f6sszehasonl\u00edt\u00e1sban). A t\u0151zsd\u00e9n jegyzett bankcsoport k\u00f6zel 1,3 milli\u00e1rd eur\u00f3 kock\u00e1zati c\u00e9ltartal\u00e9kot k\u00e9pzett a j\u00e1rv\u00e1ny nyom\u00e1n v\u00e1rhat\u00f3 hitelez\u00e9si vesztes\u00e9gekre. Ennek eredm\u00e9nyek\u00e9nt a nett\u00f3 nyeres\u00e9g 46,7 sz\u00e1zal\u00e9kkal cs\u00f6kkent, 783 milli\u00f3 eur\u00f3ra. A m\u00e1sik oldalr\u00f3l az \u00fcgyf\u00e9lhitelek \u00e1llom\u00e1nya 3,6 sz\u00e1zal\u00e9kkal 166,1 milli\u00e1rd eur\u00f3ra b\u0151v\u00fclt, az \u00fcgyf\u00e9lbet\u00e9tek 9,9 sz\u00e1zal\u00e9kkal 191,1 milli\u00e1rd eur\u00f3ra n\u0151ttek. <\/strong><strong>Az els\u0151dleges Tier-1 t\u0151ker\u00e1ta (CET1, v\u00e9gleges) ism\u00e9t emelkedett, 13,7 sz\u00e1zal\u00e9kr\u00f3l 14,2 sz\u00e1zal\u00e9kra.<\/strong><!--more--><\/p>\n<div class=\"ads-in-post1\"><div id=\"gazdasagportal.hu_fullbanner_wideboard\"><\/div>\r\n<\/div>\n<p>&nbsp;<\/p>\n<p>Stefan D\u00f6rfler, az Erste Csoport p\u00e9nz\u00fcgyi igazgat\u00f3ja: <em>&#8222;Minden piacunkon j\u00f3 teljes\u00edtm\u00e9nyt ny\u00fajtottunk egy kiv\u00e9teles kih\u00edv\u00e1sokat t\u00e1maszt\u00f3 \u00e9vben. M\u0171k\u00f6d\u00e9si eredm\u00e9ny\u00fcnk stabil, t\u0151kehelyzet\u00fcnk kiv\u00e1l\u00f3. Szeretn\u00e9nk r\u00e9szv\u00e9nyeseinkkel megosztani az eredm\u00e9nyt, ez\u00e9rt \u2013 az Eur\u00f3pai K\u00f6zponti Bank aj\u00e1nl\u00e1s\u00e1val \u00f6sszhangban \u2013 2020-ra 0,5 eur\u00f3 r\u00e9szv\u00e9nyenk\u00e9nti osztal\u00e9kra tesz\u00fcnk javaslatot az \u00e9ves k\u00f6zgy\u0171l\u00e9sen, emellett r\u00e9szv\u00e9nyenk\u00e9nt legfeljebb egy eur\u00f3t tesz\u00fcnk f\u00e9lre osztal\u00e9kfizet\u00e9sre, valamikor k\u00e9s\u0151bbre. <\/em><\/p><div id=\"gazda-86595547\" 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<h3>A BEV\u00c9TELEK ENYH\u00c9N VISSZAESTEK<\/h3>\n<p>A <strong>nett\u00f3 kamatbev\u00e9tel<\/strong> n\u00f6vekedett \u2013 legink\u00e1bb Ausztri\u00e1ban, de Rom\u00e1ni\u00e1ban \u00e9s Magyarorsz\u00e1gon is \u2013 \u00e9ves \u00f6sszehasonl\u00edt\u00e1sban 0,6 sz\u00e1zal\u00e9kkal 4,8 milli\u00e1rd eur\u00f3ra. Csehorsz\u00e1gban a nett\u00f3 kamatbev\u00e9tel jelent\u0151sen visszaesett a kamatok cs\u00f6kken\u00e9se miatt. A <strong>nett\u00f3 d\u00edj- \u00e9s jutal\u00e9kbev\u00e9tel <\/strong>1,2 sz\u00e1zal\u00e9kkal 1,98 milli\u00e1rd eur\u00f3ra cs\u00f6kkent. Az \u00e9rt\u00e9kpap\u00edr-\u00fczlet\u00e1g \u00e9s az eszk\u00f6zkezel\u00e9s magasabb j\u00f6vedelme nem tudta teljes m\u00e9rt\u00e9kben ellens\u00falyozni az egy\u00e9b d\u00edj- \u00e9s jutal\u00e9kbev\u00e9telek \u2013 els\u0151sorban a p\u00e9nzforgalmi szolg\u00e1ltat\u00e1sok ter\u00e9n tapasztalt \u2013 visszaes\u00e9s\u00e9t. A<strong> keresked\u00e9si tev\u00e9kenys\u00e9g nett\u00f3 eredm\u00e9nye<\/strong> \u00e9s a <strong>piaci \u00e9rt\u00e9ken nyilv\u00e1ntartott p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6k nyeres\u00e9ge\/vesztes\u00e9ge<\/strong> sorokon a bev\u00e9tel \u00f6sszess\u00e9g\u00e9ben jelent\u0151sen 32,1 sz\u00e1zal\u00e9kkal cs\u00f6kkent \u00e9s megk\u00f6zel\u00edtette 200 milli\u00f3 eur\u00f3t. A <strong>m\u0171k\u00f6d\u00e9si bev\u00e9tel<\/strong> ez\u00e9rt 1,4 sz\u00e1zal\u00e9kkal 7,2 milli\u00e1rd eur\u00f3ra esett vissza.<\/p>\n<p>&nbsp;<\/p>\n<h3>A KIAD\u00c1SOK IS ENYH\u00c9N CS\u00d6KKENTEK<\/h3>\n<p>Ugyanakkor a bankcsoportnak siker\u00fclt cs\u00f6kkenteni az <strong>\u00e1ltal\u00e1nos igazgat\u00e1si k\u00f6lts\u00e9geket<\/strong> 1,5 sz\u00e1zal\u00e9kkal 4,2 milli\u00e1rd eur\u00f3ra. A szem\u00e9lyi r\u00e1ford\u00edt\u00e1sok 0,6 sz\u00e1zal\u00e9kkal m\u00e9rs\u00e9kl\u0151dtek, 2,5 milli\u00e1rd eur\u00f3ra, a pozit\u00edv devizahat\u00e1sok \u00e9s a szem\u00e9lyi \u00e1llom\u00e1ny cs\u00f6kken\u00e9se nyom\u00e1n: az id\u0151szak v\u00e9g\u00e9n (teljes munkaid\u0151s egyen\u00e9rt\u00e9k szerint), 47\u00a0284 f\u0151r\u0151l 45\u00a0690 f\u0151re. Ez a 3,4 sz\u00e1zal\u00e9kos visszaes\u00e9s legink\u00e1bb a p\u00e9nzsz\u00e1ll\u00edt\u00e1s \u00e9s egyes adminisztr\u00e1ci\u00f3s szolg\u00e1ltat\u00e1sok rom\u00e1niai kiszervez\u00e9s\u00e9nek tulajdon\u00edthat\u00f3. Az egy\u00e9b igazgat\u00e1si k\u00f6lts\u00e9gek 3,8 sz\u00e1zal\u00e9kkal 1,2 milli\u00e1rd eur\u00f3ra cs\u00f6kkentek. Az egy\u00e9b igazgat\u00e1si k\u00f6lts\u00e9gek k\u00f6z\u00f6tt nyilv\u00e1ntartott, a bet\u00e9tbiztos\u00edt\u00e1si alapokba fizetend\u0151 hozz\u00e1j\u00e1rul\u00e1sok 132 milli\u00f3 eur\u00f3ra n\u0151ttek. Az amortiz\u00e1ci\u00f3 \u00e9s \u00e9rt\u00e9kcs\u00f6kken\u00e9s v\u00e1ltozatlanul 541 milli\u00f3 eur\u00f3t tett ki.<\/p>\n<div class=\"ads-in-post1\"><div id=\"gazdasagportal.hu_fullbanner_wideboard\"><\/div>\r\n<\/div>\n&nbsp;<\/p>\n<h3>A NAGYFOK\u00da KOCK\u00c1ZATI C\u00c9LTARTAL\u00c9KOL\u00c1S negat\u00edvaN hatott az eredm\u00e9nyre<\/h3>\n<p>\u00d6sszess\u00e9g\u00e9ben a <strong>m\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/strong> 1,3 sz\u00e1zal\u00e9kkal 2.9 milli\u00e1rd eur\u00f3ra cs\u00f6kkent, ugyanakkor a <strong>k\u00f6lts\u00e9g\/<\/strong><strong>bev\u00e9tel r\u00e1ta <\/strong>v\u00e1ltozatlanul 59,0 sz\u00e1zal\u00e9k. 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> -1,3 milli\u00e1rd eur\u00f3 lett, vagyis az \u00e1tlagos brutt\u00f3 \u00fcgyf\u00e9lhitelek \u00e1llom\u00e1ny\u00e1nak ar\u00e1ny\u00e1ban 78 b\u00e1zispontot tett ki (szemben a 2019. \u00e9vi -439,2 milli\u00f3 eur\u00f3val \u00e9s 7 b\u00e1zisponttal). \u00a0A hitelekre k\u00e9pzett c\u00e9ltartal\u00e9kok jelent\u0151s n\u00f6veked\u00e9s\u00e9t els\u0151sorban a koronav\u00edrus-j\u00e1rv\u00e1ny miatt roml\u00f3 makrogazdas\u00e1gi kil\u00e1t\u00e1sok okozt\u00e1k. Ugyanakkor pozit\u00edv hat\u00e1st jelentett a m\u00e1r kor\u00e1bban le\u00edrt hiteleken realiz\u00e1lt megt\u00e9r\u00fcl\u00e9s Rom\u00e1ni\u00e1ban \u00e9s Magyarorsz\u00e1gon. A brutt\u00f3 \u00fcgyf\u00e9lhitelekhez viszony\u00edtott <strong>NPL-r\u00e1ta<\/strong> 2,7 sz\u00e1zal\u00e9kra romlott (2,5 sz\u00e1zal\u00e9kr\u00f3l), az NPL-fedezeti ar\u00e1ny pedig 88<strong>,<\/strong>6 sz\u00e1zal\u00e9kra n\u0151tt (77,1 sz\u00e1zal\u00e9kr\u00f3l).<\/p>\n<p>Az<strong> egy\u00e9b m\u0171k\u00f6d\u00e9si eredm\u00e9ny <\/strong>-278 milli\u00f3 eur\u00f3ra javult (-628 milli\u00f3 eur\u00f3r\u00f3l). Az itt elsz\u00e1molt szan\u00e1l\u00e1si alapokba fizetend\u0151 \u00e9ves hozz\u00e1j\u00e1rul\u00e1s \u2013 f\u0151k\u00e9nt Ausztri\u00e1ban \u2013 n\u0151tt, k\u00f6zel 94 milli\u00f3 eur\u00f3ra. A bankad\u00f3k \u00e9s tranzakci\u00f3s illet\u00e9kek 118 milli\u00f3 eur\u00f3ra cs\u00f6kkentek, ami f\u0151k\u00e9nt a rom\u00e1niai bankad\u00f3 elt\u00f6rl\u00e9s\u00e9nek k\u00f6sz\u00f6nhet\u0151. Az el\u0151z\u0151 \u00e9vben az egy\u00e9b m\u0171k\u00f6d\u00e9si eredm\u00e9nyben szerepelt 153 milli\u00f3 eur\u00f3 c\u00e9ltartal\u00e9k is 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, valamint 165 milli\u00f3 eur\u00f3 goodwill-le\u00edr\u00e1s Szlov\u00e1ki\u00e1ban.<\/p>\n<p>A bev\u00e9teleket terhel\u0151 ad\u00f3k 343 milli\u00f3 eur\u00f3ra m\u00e9rs\u00e9kl\u0151dtek. A kisebbs\u00e9gi r\u00e9szesed\u00e9sek ut\u00e1ni nyeres\u00e9g 45 sz\u00e1zal\u00e9kkal 242,3 milli\u00f3 eur\u00f3ra cs\u00f6kkent 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>(nett\u00f3 nyeres\u00e9g) 46,7 sz\u00e1zal\u00e9kkal cs\u00f6kkent, 783,1 milli\u00f3 eur\u00f3 volt.<\/p>\n<div class=\"ads-in-post1\"><div id=\"gazdasagportal.hu_fullbanner_wideboard\"><\/div>\r\n<\/div>\n&nbsp;<\/p>\n<h3>a hitel- \u00e9s bet\u00e9t\u00e1llom\u00e1ny egyar\u00e1nt n\u0151tt<\/h3>\n<p>A bankcsoport <strong>m\u00e9rlegf\u0151\u00f6sszege <\/strong>12,9 sz\u00e1zal\u00e9kkal 277,4 milli\u00e1rd eur\u00f3ra n\u0151tt. Eszk\u00f6z oldalon a k\u00e9szp\u00e9nz- \u00e9s p\u00e9nzeszk\u00f6z\u00f6k n\u00f6vekedtek, f\u0151k\u00e9nt Ausztri\u00e1ban, \u00f6sszesen 35,8 milli\u00e1rd eur\u00f3t tettek ki, 235,2 sz\u00e1zal\u00e9kkal b\u0151v\u00fclve. A hitelint\u00e9zeteknek ny\u00fajtott hitelek \u00e9s m\u00e1s kintl\u00e9v\u0151s\u00e9gek \u00e1llom\u00e1nya 6,9 sz\u00e1zal\u00e9kkal 21,5 milli\u00e1rd eur\u00f3ra n\u0151tt. Az <strong>\u00fcgyfeleknek ny\u00fajtott hitelek \u00e9s k\u00f6vetel\u00e9sek \u00e1llom\u00e1nya<\/strong> 3,6 sz\u00e1zal\u00e9kkal 166,1 milli\u00e1rd eur\u00f3ra n\u0151tt a Horv\u00e1torsz\u00e1gban, Szlov\u00e1ki\u00e1ban, Ausztri\u00e1ban \u00e9s Szerbi\u00e1ban tapasztalt kifejezetten er\u0151teljes hitel\u00e1llom\u00e1ny-b\u0151v\u00fcl\u00e9s nyom\u00e1n.<\/p>\n<p>Forr\u00e1s oldalon a <strong>hitelint\u00e9zetek \u00e1ltal elhelyezett bet\u00e9tek<\/strong> jelent\u0151s m\u00e9rt\u00e9kben, 24,8 milli\u00e1rd eur\u00f3ra emelkedtek (+88,5 sz\u00e1zal\u00e9k) az EKB megn\u00f6vekedett refinansz\u00edroz\u00e1s\u00e1nak (TLTRO-tranzakci\u00f3k) eredm\u00e9nyek\u00e9nt. Az <strong>\u00fcgyf\u00e9lbet\u00e9tek<\/strong> \u00e1llom\u00e1nya \u2013 minden els\u0151dleges piacon, de legink\u00e1bb Ausztri\u00e1ban \u00e9s Csehorsz\u00e1gban \u2013 tov\u00e1bb n\u0151tt, 191,1 milli\u00e1rd eur\u00f3 volt, ami \u00e9ves szinten 9,9 sz\u00e1zal\u00e9k n\u00f6veked\u00e9s. A <strong>hitel\/bet\u00e9t r\u00e1ta <\/strong>86,9 sz\u00e1zal\u00e9kon \u00e1llt (az el\u0151z\u0151 \u00e9vi 92,2 sz\u00e1zal\u00e9k ut\u00e1n).<\/p>\n<p>&nbsp;<\/p>\n<p><strong><br \/>\n<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<table width=\"723\">\n<tbody>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\"><\/td>\n<td width=\"423\"><strong>P\u00c9NZ\u00dcGYI ADATOK<\/strong><\/td>\n<td width=\"16\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"7\"><\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\"><\/td>\n<td width=\"423\"><\/td>\n<td width=\"16\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"7\"><\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><strong>\u00a0<\/strong><\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><strong>Eredm\u00e9nykimutat\u00e1s<\/strong><\/td>\n<td width=\"16\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><strong>milli\u00f3 eur\u00f3ban<\/strong><\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\"><strong>2019<\/strong><\/td>\n<td width=\"77\"><strong>2020<\/strong><\/td>\n<td width=\"77\"><strong>v\u00e1ltoz\u00e1s %<\/strong><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Nett\u00f3 kamatbev\u00e9tel<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">4 746,8<\/td>\n<td width=\"77\">4 774,8<\/td>\n<td width=\"77\">0,6<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Nett\u00f3 d\u00edj- \u00e9s jutal\u00e9kbev\u00e9tel<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">2 000,1<\/td>\n<td width=\"77\">1 976,8<\/td>\n<td width=\"77\">-1,2<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Kereskede\u0301si teve\u0301kenyse\u0301g netto\u0301 eredme\u0301nye<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">293,8<\/td>\n<td width=\"77\">199,5<\/td>\n<td width=\"77\">-32,1<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Mu\u030bko\u0308de\u0301si beve\u0301telek<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">7 255,9<\/td>\n<td width=\"77\">7 155,1<\/td>\n<td width=\"77\">-1,4<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Mu\u030bko\u0308de\u0301si kiad\u00e1sok<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">-4 283,3<\/td>\n<td width=\"77\">-4 220,5<\/td>\n<td width=\"77\">-1,5<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Mu\u030bko\u0308de\u0301si eredme\u0301ny<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">2 972,7<\/td>\n<td width=\"77\">2 934,6<\/td>\n<td width=\"77\">-1,3<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">\u00c9rte\u0301kveszte\u0301s a pe\u0301nzu\u0308gyi eszko\u0308zo\u0308k\u00f6n<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">-39,2<\/td>\n<td width=\"77\">-1 294,8<\/td>\n<td width=\"77\">3203,1<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Ce\u0301ltartale\u0301kola\u0301s uta\u0301ni mu\u030bko\u0308de\u0301si eredme\u0301ny<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">2 933,5<\/td>\n<td width=\"77\">1 639,8<\/td>\n<td width=\"77\">-44,1<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><strong>Anyava\u0301llalatra juto\u0301 eredme\u0301ny<\/strong><\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\"><strong>1 470,1<\/strong><\/td>\n<td width=\"77\"><strong>783,1<\/strong><\/td>\n<td width=\"77\">-46,7<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><\/td>\n<td width=\"16\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><strong>Legfontosabb ar\u00e1nysz\u00e1mok az eredm\u00e9nykimutat\u00e1sban<\/strong><\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\"><strong>2019<\/strong><\/td>\n<td width=\"77\"><strong>2020<\/strong><\/td>\n<td width=\"77\"><strong>change<\/strong><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Nett\u00f3 kamatk\u00fcl\u00f6nb\u00f6zet (\u00e1tlagos kamatoz\u00f3 eszk\u00f6z\u00f6kre vet\u00edtve)<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">2,18%<\/td>\n<td width=\"77\">2,08%<\/td>\n<td width=\"77\">-0,10 PP<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">K\u00f6lts\u00e9g\/bev\u00e9tel ar\u00e1ny<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">59,0%<\/td>\n<td width=\"77\">59,0%<\/td>\n<td width=\"77\">0 PP<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">C\u00e9ltartal\u00e9kol\u00e1si r\u00e1ta (\u00e1tlagos brutt\u00f3 \u00fcgyf\u00e9lhitel-\u00e1llom\u00e1nyra vet\u00edtve)<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">0,02%<\/td>\n<td width=\"77\">0,78%<\/td>\n<td width=\"77\">0,76 PP<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">&nbsp;<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\"><\/td>\n<td width=\"423\"><\/td>\n<td width=\"16\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"7\"><\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">&nbsp;<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><strong>M\u00e9rlegadatok<\/strong><\/td>\n<td width=\"16\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><strong>milli\u00f3 eur\u00f3ban<\/strong><\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\"><strong>Dec 19<\/strong><\/td>\n<td width=\"77\"><strong>Dec 20<\/strong><\/td>\n<td width=\"77\"><strong>% change<\/strong><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">\u00dcgyfeleknek ny\u00fajtott hitelek \u00e9s k\u00f6vetel\u00e9sek<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">160 270<\/td>\n<td width=\"77\">166 050<\/td>\n<td width=\"77\">3,6<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Kock\u00e1zattal s\u00falyozott eszk\u00f6z\u00f6k (RWA)<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">118 600<\/td>\n<td width=\"77\">120 100<\/td>\n<td width=\"77\">1,3<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">\u00dcgyf\u00e9lbet\u00e9tek<\/td>\n<td width=\"16\"><\/td>\n<td width=\"77\">173 846<\/td>\n<td width=\"77\">191 070<\/td>\n<td width=\"77\">9,9<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><strong>M\u00e9rlegf\u0151\u00f6sszeg<\/strong><\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\"><strong>245 693<\/strong><\/td>\n<td width=\"77\"><strong>277 394<\/strong><\/td>\n<td width=\"77\"><strong>12,9<\/strong><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><\/td>\n<td width=\"16\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><strong>Legfontosabb ar\u00e1nysz\u00e1mok a m\u00e9rlegben<\/strong><\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\"><strong>Dec 19<\/strong><\/td>\n<td width=\"77\"><strong>Dec 20<\/strong><\/td>\n<td width=\"77\"><strong>change<\/strong><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Hitel\/bet\u00e9t ar\u00e1ny<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">92,2%<\/td>\n<td width=\"77\">86,9%<\/td>\n<td width=\"77\">-5,3 PP<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">NPL-r\u00e1ta<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">2,5%<\/td>\n<td width=\"77\">2,7%<\/td>\n<td width=\"77\">0,2 PP<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">NPL-fedezeti-r\u00e1ta (biztos\u00edt\u00e9kok n\u00e9lk\u00fcl))<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">77,1%<\/td>\n<td width=\"77\">88,6%<\/td>\n<td width=\"77\">11,5 PP<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">CET-1 alapt\u0151ker\u00e1ta (v\u00e9gleges)<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">13,7%<\/td>\n<td width=\"77\">14,2%<\/td>\n<td width=\"77\">0,5 PP<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">&nbsp;<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\"><\/td>\n<td width=\"423\"><\/td>\n<td width=\"16\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"7\"><\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">&nbsp;<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><strong>Legfontosabb ar\u00e1nyok az Erste Csoport r\u00e9szv\u00e9nyein\u00e9l<\/strong><\/td>\n<td width=\"16\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"77\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\"><strong>Eur\u00f3ban r\u00e9szv\u00e9nyenk\u00e9nt<\/strong><\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\"><strong>2019<\/strong><\/td>\n<td width=\"77\"><strong>2020<\/strong><\/td>\n<td width=\"77\"><strong>% change<\/strong><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Egy r\u00e9szv\u00e9nyre jut\u00f3 nyeres\u00e9g (EPS)<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">3,23<\/td>\n<td width=\"77\">1,57<\/td>\n<td width=\"77\">-51,4<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Javasolt osztal\u00e9kfizet\u00e9s (az EKB aj\u00e1nl\u00e1s\u00e1nak megfelel\u0151en)<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">&#8211;<\/td>\n<td width=\"77\">0,50<\/td>\n<td width=\"77\">&#8211;<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">Lehets\u00e9ges j\u00f6v\u0151beni osztal\u00e9kfizet\u00e9sre elk\u00fcl\u00f6n\u00edtett \u00f6sszeg(kifizet\u00e9s csak az EKB jelenlegi aj\u00e1nl\u00e1s\u00e1nak felold\u00e1sa ut\u00e1n)<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">&#8211;<\/td>\n<td width=\"77\">legfeljebb 1,00<\/td>\n<td width=\"77\">&#8211;<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<tr>\n<td width=\"19\"><\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"423\">&nbsp;<\/td>\n<td width=\"16\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"77\">&nbsp;<\/td>\n<td width=\"7\">&nbsp;<\/td>\n<td width=\"20\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Az itt szerepl\u0151 adatok csak el\u0151zetes, nem audit\u00e1lt adatoknak tekintend\u0151k. Az audit\u00e1lt p\u00e9nz\u00fcgyi besz\u00e1mol\u00f3kat a 2020. \u00e9v eredm\u00e9nyeit bemutat\u00f3 \u00c9ves jelent\u00e9ssel k\u00f6z\u00f6lj\u00fck 2021. m\u00e1rcius 26.-\u00e1n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az Erste Csoport, Kelet-K\u00f6z\u00e9p-Eur\u00f3pa vezet\u0151 hitelint\u00e9zete a koronav\u00edrus \u00e9v\u00e9t, 2020-at stabil, 2,9 milli\u00e1rd eur\u00f3s m\u0171k\u00f6d\u00e9si eredm\u00e9nnyel z\u00e1rta (-1.3% \u00e9ves \u00f6sszehasonl\u00edt\u00e1sban). A t\u0151zsd\u00e9n jegyzett bankcsoport k\u00f6zel 1,3 milli\u00e1rd eur\u00f3 kock\u00e1zati c\u00e9ltartal\u00e9kot k\u00e9pzett a j\u00e1rv\u00e1ny nyom\u00e1n v\u00e1rhat\u00f3 hitelez\u00e9si vesztes\u00e9gekre. Ennek eredm\u00e9nyek\u00e9nt a nett\u00f3 nyeres\u00e9g 46,7 sz\u00e1zal\u00e9kkal cs\u00f6kkent, 783 milli\u00f3 eur\u00f3ra. A m\u00e1sik oldalr\u00f3l az \u00fcgyf\u00e9lhitelek \u00e1llom\u00e1nya 3,6 &#8230;<\/p>\n","protected":false},"author":1001007,"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\/133477"}],"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\/1001007"}],"replies":[{"embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/comments?post=133477"}],"version-history":[{"count":1,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/133477\/revisions"}],"predecessor-version":[{"id":133478,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/133477\/revisions\/133478"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=133477"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=133477"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=133477"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}