{"id":137145,"date":"2021-07-31T06:22:50","date_gmt":"2021-07-31T04:22:50","guid":{"rendered":"https:\/\/gazdasagportal.hu\/?p=137145"},"modified":"2021-07-30T23:24:25","modified_gmt":"2021-07-30T21:24:25","slug":"eredmenynovekedes-a-stabil-mukodesi-teljesitmeny-es-az-alacsonyabb-kockazati-koltsegek-nyoman","status":"publish","type":"post","link":"https:\/\/gazdasagportal.hu\/index.php\/eredmenynovekedes-a-stabil-mukodesi-teljesitmeny-es-az-alacsonyabb-kockazati-koltsegek-nyoman\/","title":{"rendered":"Eredm\u00e9nyn\u00f6veked\u00e9s a stabil m\u0171k\u00f6d\u00e9si teljes\u00edtm\u00e9ny \u00e9s az alacsonyabb kock\u00e1zati k\u00f6lts\u00e9gek nyom\u00e1n"},"content":{"rendered":"<p><strong>Az Erste Csoport, Kelet-K\u00f6z\u00e9p-Eur\u00f3pa vezet\u0151 hitelint\u00e9zete 2021-ben is folyamatosan er\u0151teljes \u00fczleti teljes\u00edtm\u00e9nyt mutatott, \u00e9ves \u00f6sszehasonl\u00edt\u00e1sban 24 sz\u00e1zal\u00e9kkal 1,69 milli\u00e1rd eur\u00f3ra n\u0151tt az els\u0151 f\u00e9l\u00e9ves m\u0171k\u00f6d\u00e9si eredm\u00e9nye (2020. els\u0151 f\u00e9l\u00e9v: 1,36 milli\u00e1rd eur\u00f3). Ebben els\u0151dleges szerepet j\u00e1tszott a stabil nett\u00f3 kamatbev\u00e9tel, a nett\u00f3 d\u00edj- \u00e9s jutal\u00e9kbev\u00e9telek jelent\u0151s emelked\u00e9se, valamint a nett\u00f3 keresked\u00e9si eredm\u00e9ny \u00e9s a p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6k\u00f6n el\u00e9rt eredm\u00e9ny gyors n\u00f6veked\u00e9se. Mivel a r\u00e9gi\u00f3 kock\u00e1zati k\u00f6rnyezete kedvez\u0151 maradt 2021 els\u0151 f\u00e9l\u00e9v\u00e9ben, a bankcsoport 83 milli\u00f3 eur\u00f3 kock\u00e1zati k\u00f6lts\u00e9get k\u00f6nyvelt el, szemben az egy \u00e9vvel kor\u00e1bbi 675 milli\u00f3 eur\u00f3val, amikor az Erste koronav\u00edrus-v\u00e1ls\u00e1g kit\u00f6r\u00e9s\u00e9vel kapcsolatos kock\u00e1zatokra el\u0151re k\u00e9pzett c\u00e9ltartal\u00e9kot. A csoport nett\u00f3 nyeres\u00e9ge 918 milli\u00f3 eur\u00f3ra n\u0151tt (2020 els\u0151 f\u00e9l\u00e9v: 294 milli\u00f3 eur\u00f3). \u00d6sszevetve a koronav\u00edrus el\u0151tti \u00e9vvel: a nett\u00f3 nyeres\u00e9g 732 milli\u00f3 eur\u00f3 volt 2019 els\u0151 f\u00e9l\u00e9v\u00e9ben.<\/strong><!--more--><\/p>\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<ul>\n<li><strong>Az Erste Csoport m\u0171k\u00f6d\u00e9si eredm\u00e9nye 1,69 milli\u00e1rd eur\u00f3 volt, a javul\u00f3 d\u00edjbev\u00e9teli teljes\u00edtm\u00e9nynek, a keresked\u00e9si tev\u00e9kenys\u00e9gen \u00e9s a p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6kn\u00e9l el\u00e9rt eredm\u00e9nyben bek\u00f6vetkez\u0151 fordulatnak, valamint a stabil nett\u00f3 kamatbev\u00e9telnek k\u00f6sz\u00f6nhet\u0151en<\/strong><\/li>\n<li><strong>A kock\u00e1zati k\u00f6lts\u00e9gek k\u00f6zel 90 sz\u00e1zal\u00e9kkal zuhantak \u00e9v\/\u00e9v alapon az els\u0151 f\u00e9l\u00e9vben, a kedvez\u0151 kock\u00e1zati k\u00f6rnyezetet t\u00fckr\u00f6zve <\/strong><\/li>\n<li><strong>A f\u00e9l\u00e9ves nett\u00f3 nyeres\u00e9g 918 milli\u00f3 eur\u00f3ra n\u0151tt <\/strong><\/li>\n<li><strong>Stabil hiteln\u00f6veked\u00e9s, folytat\u00f3d\u00f3 jelent\u0151s bet\u00e9tbe\u00e1raml\u00e1s<\/strong><\/li>\n<li><strong>Osztal\u00e9k: R\u00e9szv\u00e9nyenk\u00e9nt egy eur\u00f3 felz\u00e1rk\u00f3ztat\u00f3 osztal\u00e9k kifizet\u00e9se 2020-ra, a 2021-es p\u00e9nz\u00fcgyi \u00e9vre 1,60 eur\u00f3 a c\u00e9lkit\u0171z\u00e9s<\/strong><\/li>\n<\/ul>\n<p><strong>Stefan D\u00f6rfler, az Erste Csoport p\u00e9nz\u00fcgyi igazgat\u00f3ja<\/strong>: \u201e<em>Kereskedelmi bankk\u00e9nt szorosan kapcsol\u00f3dunk a re\u00e1lgazdas\u00e1ghoz, \u00edgy a folytat\u00f3d\u00f3 makrogazdas\u00e1gi fellend\u00fcl\u00e9s k\u00f6zvetlen\u00fcl t\u00fckr\u00f6z\u0151dik a m\u00e9rleg\u00fcnkben. A kiegyens\u00falyozott keresleti helyzet, a stabil k\u00f6lts\u00e9gek, \u00e9s a koronav\u00edrus \u00e9v\u00e9hez, 2020-hoz k\u00e9pest jelent\u0151sen kisebb kock\u00e1zati c\u00e9ltartal\u00e9kok egyar\u00e1nt hozz\u00e1j\u00e1rultak f\u00e9l\u00e9ves eredm\u00e9nyeink egy\u00e9rtelm\u0171 javul\u00e1s\u00e1hoz. J\u00f3l kezd\u0151dik az \u00e9v, de m\u00e9g mindig korai lenne \u00fcnnepelni. \u00d3vatosan optimist\u00e1k vagyunk a 2021. \u00e9v eg\u00e9sz\u00e9vel kapcsolatban, b\u00e1r tiszt\u00e1ban vagyunk azzal, hogy sok m\u00falik a pand\u00e9mia tov\u00e1bbi lefoly\u00e1s\u00e1n \u00e9s annak a gazdas\u00e1gra gyakorolt k\u00f6z\u00e9pt\u00e1v\u00fa hat\u00e1s\u00e1n.<\/em><\/p>\n<p><em>\u00a0<\/em><\/p>\n<h3>A m\u0171k\u00f6d\u00e9si bev\u00e9tel 9,2 sz\u00e1zal\u00e9kkal n\u0151tt<\/h3>\n<p>A <strong>nett\u00f3 kamatbev\u00e9tel<\/strong> \u00e9ves szinten 2,2 sz\u00e1zal\u00e9kkal 2,45 milli\u00e1rd eur\u00f3ra n\u0151tt els\u0151sorban egyszeri hat\u00e1sok k\u00f6vetkezm\u00e9nyek\u00e9nt, \u00f6sszef\u00fcgg\u00e9sben az Eur\u00f3pai K\u00f6zponti Bank hossz\u00fa t\u00e1v\u00fa refinansz\u00edroz\u00e1si programj\u00e1nak (TLTRO III) ausztriai \u00e9s szlov\u00e1kiai bevezet\u00e9s\u00e9vel. A <strong>nett\u00f3 d\u00edj- \u00e9s jutal\u00e9kbev\u00e9tel<\/strong> k\u00f6zel 15 sz\u00e1zal\u00e9kkal 1,1 milli\u00e1rd eur\u00f3ra emelkedett, ami az \u00f6sszes d\u00edj- \u00e9s jutal\u00e9kbev\u00e9tel-kateg\u00f3ria, valamint minden els\u0151dleges piac n\u00f6veked\u00e9s\u00e9t t\u00fckr\u00f6zi. Jelent\u0151s a d\u00edjbev\u00e9tel-n\u00f6veked\u00e9s a p\u00e9nzforgalmi szolg\u00e1ltat\u00e1sokn\u00e1l, a vagyonkezel\u00e9sn\u00e9l \u00e9s az \u00e9rt\u00e9kpap\u00edr-\u00fczlet\u00e1gban. Az \u00e1t\u00e9rt\u00e9kel\u00e9si hat\u00e1sok is seg\u00edtettek abban, hogy a <strong>nett\u00f3 keresked\u00e9si eredm\u00e9nyhez<\/strong> \u00e9s a <strong>piaci \u00e9rt\u00e9ken nyilv\u00e1ntartott p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6k nyeres\u00e9ge\/vesztes\u00e9g\u00e9hez<\/strong> kapcsolhat\u00f3 \u00f6sszbev\u00e9tel el\u00e9rje a 127 milli\u00f3 eur\u00f3t, szemben az el\u0151z\u0151 \u00e9v hasonl\u00f3 id\u0151szak\u00e1ban kimutatott 9 milli\u00f3 eur\u00f3val. Mindezek eredm\u00e9nyek\u00e9pp a <strong>m\u0171k\u00f6d\u00e9si bev\u00e9tel<\/strong> \u00e9ves szinten 9,2 sz\u00e1zal\u00e9kkal, 3,79 milli\u00e1rd eur\u00f3ra n\u0151tt 2021 els\u0151 fel\u00e9ben.<\/p><div id=\"gazda-2496972552\" 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<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&nbsp;<\/p>\n<h3>Kord\u00e1ban tartott kiad\u00e1sok<\/h3>\n<p>A szigor\u00fa k\u00f6lts\u00e9ggazd\u00e1lkod\u00e1snak k\u00f6sz\u00f6nhet\u0151en az<strong> \u00e1ltal\u00e1nos igazgat\u00e1si k\u00f6lts\u00e9gek <\/strong>\u00e9ves szinten 0,6 sz\u00e1zal\u00e9kkal cs\u00f6kkentek 2,10 milli\u00e1rd eur\u00f3ra, amit a szem\u00e9ly\u00fcgyi kiad\u00e1sok 1,3 sz\u00e1zal\u00e9kos m\u00e9rs\u00e9kl\u0151d\u00e9se (1,25 milli\u00e1rd eur\u00f3ra) is el\u0151seg\u00edtett. \u00a0A l\u00e9tsz\u00e1m (teljes munkaid\u0151s egyen\u00e9rt\u00e9k szerint) az \u00e9vkezdett\u0151l sz\u00e1m\u00edtva 1,2 sz\u00e1zal\u00e9kkal, 45\u00a0124 f\u0151re cs\u00f6kkent 2021. j\u00fanius v\u00e9g\u00e9re. Az egy\u00e9b igazgat\u00e1si k\u00f6lts\u00e9gek n\u00e9mileg (0,4 sz\u00e1zal\u00e9kkal ) alacsonyabbak voltak, 581 milli\u00f3 eur\u00f3ra cs\u00f6kkentek, annak ellen\u00e9re, hogy a bet\u00e9tbiztos\u00edt\u00e1si alapokba fizetend\u0151 hozz\u00e1j\u00e1rul\u00e1sok 18 sz\u00e1zal\u00e9kkal 109 milli\u00f3 eur\u00f3ra emelkedtek. A 2021. eg\u00e9sz\u00e9re v\u00e1rhat\u00f3 hozz\u00e1j\u00e1rul\u00e1sok z\u00f6me m\u00e1r szerepel a kimutat\u00e1sban. Az amortiz\u00e1ci\u00f3 \u00e9s \u00e9rt\u00e9kcs\u00f6kken\u00e9s 2,6 sz\u00e1zal\u00e9kkal, 237 milli\u00f3 eur\u00f3ra n\u0151tt.<\/p>\n<p>&nbsp;<\/p>\n<h3>Nyeres\u00e9gn\u00f6veked\u00e9s: Jelent\u0151s m\u0171k\u00f6d\u00e9si EREDM\u00c9NY, cs\u00f6kken\u0151 kock\u00e1zati k\u00f6lts\u00e9gek<\/h3>\n<p>A <strong>m\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/strong> \u00e9ves szinten t\u00f6bb mint 24 sz\u00e1zal\u00e9kkal, 1,69 milli\u00e1rd eur\u00f3ra emelkedett, a <strong>k\u00f6lts\u00e9g\/<\/strong><strong> bev\u00e9tel r\u00e1ta<\/strong> pedig 55,5 sz\u00e1zal\u00e9kra javult (a 2020. els\u0151 f\u00e9l\u00e9v 60,9 %). 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> (a kock\u00e1zati k\u00f6lts\u00e9g) -83 milli\u00f3 eur\u00f3t, vagyis az \u00e1tlagos brutt\u00f3 \u00fcgyf\u00e9lhitelek \u00e1llom\u00e1ny\u00e1nak ar\u00e1ny\u00e1ban 10 b\u00e1zispontot tett ki (szemben az egy \u00e9vvel kor\u00e1bbi -675 milli\u00f3 eur\u00f3val \u00e9s 82 b\u00e1zisponttal). A hitelekre, valamint k\u00f6telezetts\u00e9gekre \u00e9s garanci\u00e1kra \u2013 Ausztria kiv\u00e9tel\u00e9vel \u2013 minden els\u0151dleges piacon nett\u00f3 c\u00e9ltartal\u00e9k k\u00e9pz\u00e9s volt jellemz\u0151, \u00e1m ezek t\u00f6bbnyire alacsony szinten maradtak. A brutt\u00f3 \u00fcgyf\u00e9lhitelekhez viszony\u00edtott <strong>NPL-r\u00e1ta<\/strong> 2,5 sz\u00e1zal\u00e9kra javult (a 2020. \u00e9v v\u00e9ge: 2,7 %). Az <strong>NPL-fedezeti ar\u00e1ny <\/strong>91<strong>,<\/strong>4 sz\u00e1zal\u00e9kra n\u0151tt (88,6 sz\u00e1zal\u00e9kr\u00f3l).<\/p>\n<p>&nbsp;<\/p>\n<p>Az<strong> egy\u00e9b m\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/strong> -172 milli\u00f3 eur\u00f3t tett ki 2021. els\u0151 f\u00e9l\u00e9v\u00e9ben, szemben az egy \u00e9vvel kor\u00e1bbi -170 milli\u00f3 eur\u00f3val. Ebben a sorban szerepel a szan\u00e1l\u00e1si alapokba fizetend\u0151 \u00e9ves hozz\u00e1j\u00e1rul\u00e1s 2021 eg\u00e9sz\u00e9re elsz\u00e1molt 108 milli\u00f3 eur\u00f3ra &#8211; legink\u00e1bb Ausztri\u00e1ban \u00e9s Rom\u00e1ni\u00e1ban &#8211; emelked\u0151 \u00f6sszege (2020 els\u0151 f\u00e9l\u00e9v: 94 milli\u00f3 eur\u00f3). A bankad\u00f3k \u00e9ves szinten 37 sz\u00e1zal\u00e9kkal 52 milli\u00f3 eur\u00f3ra cs\u00f6kkentek, legink\u00e1bb a szlov\u00e1k bankad\u00f3 elt\u00f6rl\u00e9se miatt. Jelenleg k\u00e9t els\u0151dleges piacon van \u00e9rv\u00e9nyben bankad\u00f3fizet\u00e9si k\u00f6telezetts\u00e9g: Magyarorsz\u00e1gon a teljes p\u00e9nz\u00fcgyi \u00e9v bankad\u00f3ja 14,9 milli\u00f3 eur\u00f3 (az egy \u00e9vvel kor\u00e1bbi 14,3 milli\u00f3 eur\u00f3), az els\u0151 hat h\u00f3nap tranzakci\u00f3s illet\u00e9ke pedig 23,3 milli\u00f3 eur\u00f3 (2020. els\u0151 f\u00e9l\u00e9v: 22.3 milli\u00f3 eur\u00f3). \u00a0Ausztri\u00e1ban a bankad\u00f3 13,9 milli\u00f3 eur\u00f3 (el\u0151z\u0151 \u00e9vi: 12,6 milli\u00f3 eur\u00f3).<\/p>\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&nbsp;<\/p>\n<p>A bev\u00e9teleket terhel\u0151 ad\u00f3k \u00e9ves szinten 105 sz\u00e1zal\u00e9kkal n\u0151ttek, 287 milli\u00f3 eur\u00f3ra. A kisebbs\u00e9gi r\u00e9szesed\u00e9sek ut\u00e1ni j\u00f6vedelem 202 sz\u00e1zal\u00e9kkal 230 milli\u00f3 eur\u00f3ra ugrott, a takar\u00e9kp\u00e9nzt\u00e1rak hozz\u00e1j\u00e1rul\u00e1s\u00e1ban bek\u00f6vetkezett jelent\u0151s emelked\u00e9s k\u00f6vetkezt\u00e9ben. A jelent\u0151s m\u0171k\u00f6d\u00e9si eredm\u00e9nynek \u00e9s az alacsony kock\u00e1zati k\u00f6lts\u00e9gek nyom\u00e1n az <strong>anyav\u00e1llalatra jut\u00f3 nett\u00f3 eredm\u00e9ny <\/strong>918 milli\u00f3 eur\u00f3ra n\u0151tt (294 milli\u00f3 eur\u00f3r\u00f3l).<\/p>\n<p>&nbsp;<\/p>\n<p><strong>az Erste Group visszat\u00e9r a progressz\u00edv osztal\u00e9kpolitik\u00e1hoz<\/strong><\/p>\n<p>Az \u00e9ves k\u00f6zgy\u0171l\u00e9s 2021. m\u00e1jusi hat\u00e1rozata nyom\u00e1n 0,50 eur\u00f3 r\u00e9szv\u00e9nyenk\u00e9nti osztal\u00e9kot fizettek ki 2021. m\u00e1jus\u00a0 27-\u00e9n a 2020-as p\u00e9nz\u00fcgyi \u00e9vre. Ezenk\u00edv\u00fcl az Erste Csoport tov\u00e1bbi egy eur\u00f3t tervez kifizetni r\u00e9szv\u00e9nyenk\u00e9nt 2021 negyedik negyed\u00e9v\u00e9ben, \u00f6sszhangban az Eur\u00f3pai K\u00f6zponti Bank aj\u00e1nl\u00e1saival \u00e9s egy rendk\u00edv\u00fcli k\u00f6zgy\u0171l\u00e9s j\u00f3v\u00e1hagy\u00e1s\u00e1val. A 2021-es p\u00e9nz\u00fcgyi \u00e9vre az Erste Csoport jelenleg 1,60 eur\u00f3 r\u00e9szv\u00e9nyenk\u00e9nti osztal\u00e9k kifizet\u00e9s\u00e9t tervezi. A foly\u00f3 p\u00e9nz\u00fcgyi \u00e9vben a r\u00e9szv\u00e9nyenk\u00e9nti 0,80 eur\u00f3 osztal\u00e9kot m\u00e1r figyelembe vett\u00e9k a szavatol\u00f3t\u0151k\u00e9ben.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<h3>Tov\u00e1bb n\u0151tt a hitel- \u00e9s bet\u00c9t\u00c1llom\u00e1ny<\/h3>\n<p>A bankcsoport <strong>m\u00e9rlegf\u0151\u00f6sszege <\/strong>az \u00e9v eleje \u00f3ta 9,4 sz\u00e1zal\u00e9kkal 303,4 milli\u00e1rd eur\u00f3ra n\u0151tt. Eszk\u00f6zoldalon a k\u00e9szp\u00e9nz- \u00e9s p\u00e9nzeszk\u00f6z\u00f6k f\u0151k\u00e9nt Ausztri\u00e1ban emelkedtek 48,4 milli\u00e1rd eur\u00f3ra (2020. december 35,8 milli\u00e1rd eur\u00f3), m\u00edg a hitelint\u00e9zeteknek ny\u00fajtott hitelek \u00e9s m\u00e1s kintl\u00e9v\u0151s\u00e9gek \u00e1llom\u00e1nya 24,5 milli\u00e1rd eur\u00f3ra emelkedett (21,5 milli\u00e1rd eur\u00f3r\u00f3l). Az <strong>\u00fcgyfeleknek ny\u00fajtott hitelek \u00e9s k\u00f6vetel\u00e9sek \u00e1llom\u00e1nya<\/strong> 3,7 sz\u00e1zal\u00e9kkal 172,1 milli\u00e1rd eur\u00f3ra n\u0151tt a besz\u00e1mol\u00e1si id\u0151szakban.<\/p>\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&nbsp;<\/p>\n<p>Forr\u00e1soldalon a <strong>hitelint\u00e9zetek \u00e1ltal elhelyezett bet\u00e9tek<\/strong> k\u00f6zel 40 sz\u00e1zal\u00e9kkal 34,6 milli\u00e1rd eur\u00f3ra n\u0151ttek az EKB megn\u00f6vekedett refinansz\u00edroz\u00e1s\u00e1nak (TLTRO III) hat\u00e1s\u00e1ra. Az <strong>\u00fcgyf\u00e9lbet\u00e9tek<\/strong> \u00e1llom\u00e1nya tov\u00e1bb n\u0151tt &#8211; leger\u0151sebben Csehorsz\u00e1gban \u00e9s Ausztri\u00e1ban -, \u00f6sszesen 7,9 sz\u00e1zal\u00e9kkal 206,3 milli\u00e1rd eur\u00f3ra. A <strong>hitel\/bet\u00e9t r\u00e1ta <\/strong>83,4 sz\u00e1zal\u00e9kon \u00e1llt a 2020. \u00e9v v\u00e9gi 86.9 sz\u00e1zal\u00e9k ut\u00e1n. A bank els\u0151dleges Tier1 t\u0151ker\u00e1t\u00e1ja (CET1, v\u00e9gleges) 14,2 sz\u00e1zal\u00e9kra n\u0151tt j\u00fanius v\u00e9g\u00e9re.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p>&nbsp;<\/p>\n<table width=\"690\">\n<tbody>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"3\" width=\"25\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><strong>P\u00c9NZ\u00dcGYI ADATOK<\/strong><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"3\" width=\"25\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"3\" width=\"25\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><strong>\u00a0<\/strong><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"3\" width=\"25\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><strong>Eredm\u00e9nykimutat\u00e1s<\/strong><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"3\" width=\"25\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><strong>Milli\u00f3 eur\u00f3<\/strong><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><strong>2020 1-6 <\/strong><\/td>\n<td width=\"68\"><strong>2021 1-6 <\/strong><\/td>\n<td colspan=\"2\" width=\"74\"><strong>% v\u00e1ltoz\u00e1s<\/strong><\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">Nett\u00f3 kamatbev\u00e9tel<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">2 396,9<\/td>\n<td width=\"68\">2 448,7<\/td>\n<td colspan=\"2\" width=\"74\">2,2<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">Nett\u00f3 d\u00edj- \u00e9s jutal\u00e9kbev\u00e9tel<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">956,7<\/td>\n<td width=\"68\">1 099,0<\/td>\n<td colspan=\"2\" width=\"74\">14,9<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">Keresked\u00e9si tev\u00e9kenys\u00e9g nett\u00f3 eredm\u00e9nye \u00e9s piaci \u00e9rt\u00e9ken nyilv\u00e1ntartott p\u00e9nz\u00fcgyi eszk\u00f6z\u00f6k nyeres\u00e9ge\/vesztes\u00e9ge<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">9,3<\/td>\n<td width=\"68\">126,7<\/td>\n<td colspan=\"2\" width=\"74\">&gt;100.0%<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">M\u0171k\u00f6d\u00e9si bev\u00e9telek<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">3 471,9<\/td>\n<td width=\"68\">3 790,7<\/td>\n<td colspan=\"2\" width=\"74\">9,2<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">M\u0171k\u00f6d\u00e9si kiad\u00e1sok<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">-2 114,7<\/td>\n<td width=\"68\">-2 103,0<\/td>\n<td colspan=\"2\" width=\"74\">-0,6<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">M\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">1 357,2<\/td>\n<td width=\"68\">1 687,7<\/td>\n<td colspan=\"2\" width=\"74\">24,4<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">P\u00e9nz\u00fcgyi eszk\u00f6z\u00f6k \u00e9rt\u00e9kveszt\u00e9se<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">-675,4<\/td>\n<td width=\"68\">-82,9<\/td>\n<td colspan=\"2\" width=\"74\">-87,7<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">C\u00e9ltartal\u00e9kol\u00e1s ut\u00e1ni m\u0171k\u00f6d\u00e9si eredm\u00e9ny<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">681,8<\/td>\n<td width=\"68\">1 604,8<\/td>\n<td colspan=\"2\" width=\"74\">&gt;100.0%<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><strong>Anyav\u00e1llalatra jut\u00f3 nett\u00f3 eredm\u00e9ny<\/strong><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><strong>293,8<\/strong><\/td>\n<td width=\"68\"><strong>918,0<\/strong><\/td>\n<td colspan=\"2\" width=\"74\">&gt;100.0%<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"2\" width=\"74\"><\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><strong>Legfontosabb ar\u00e1nysz\u00e1mok az eredm\u00e9nykimutat\u00e1sban<\/strong><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><strong>2020 1-6 <\/strong><\/td>\n<td width=\"68\"><strong>2021 1-6 <\/strong><\/td>\n<td colspan=\"2\" width=\"74\"><strong>v\u00e1ltoz\u00e1s<\/strong><\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">Egy r\u00e9szv\u00e9nyre jut\u00f3 eredm\u00e9ny (eur\u00f3)<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">0,57<\/td>\n<td width=\"68\">1,98<\/td>\n<td colspan=\"2\" width=\"74\">&gt;100.0%<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">T\u0151kear\u00e1nyos nyeres\u00e9g (ROE)<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">3.4%<\/td>\n<td width=\"68\">11.3%<\/td>\n<td colspan=\"2\" width=\"74\">7.9 PP<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">Nett\u00f3 kamatk\u00fcl\u00f6nb\u00f6zet (\u00e1tlagos kamatoz\u00f3 eszk\u00f6z\u00f6kre vet\u00edtve)<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">2.10%<\/td>\n<td width=\"68\">2.07%<\/td>\n<td colspan=\"2\" width=\"74\">-0.03 PP<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">K\u00f6lts\u00e9g\/bev\u00e9tel ar\u00e1ny<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">60.9%<\/td>\n<td width=\"68\">55.5%<\/td>\n<td colspan=\"2\" width=\"74\">&#8211; 5.4 PP<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">C\u00e9ltartal\u00e9kol\u00e1si r\u00e1ta (\u00e1tlagos brutt\u00f3 \u00fcgyf\u00e9lhitel-\u00e1llom\u00e1nyra vet\u00edtve)<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">0.82%<\/td>\n<td width=\"68\">0.10%<\/td>\n<td colspan=\"2\" width=\"74\">&#8211; 0.72 PP<\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"2\" width=\"74\"><\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"2\" width=\"74\"><\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"2\" width=\"74\"><\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><strong>M\u00e9rlegadatok<\/strong><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"2\" width=\"74\"><\/td>\n<td colspan=\"2\" width=\"19\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><strong>Milli\u00f3 eur\u00f3<\/strong><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><strong>20 Dec.<\/strong><\/td>\n<td width=\"68\"><strong>21 J\u00fan.<\/strong><\/td>\n<td colspan=\"3\" width=\"83\"><strong>% v\u00e1ltoz\u00e1s.<\/strong><\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">\u00dcgyfeleknek ny\u00fajtott hitelek \u00e9s el\u0151legek<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">166 050<\/td>\n<td width=\"68\">172 114<\/td>\n<td colspan=\"3\" width=\"83\">3,7<\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">Kock\u00e1zattal s\u00falyozott eszk\u00f6z\u00e9rt\u00e9k (RWA)<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">120 200<\/td>\n<td width=\"68\">126 900<\/td>\n<td colspan=\"3\" width=\"83\">5,6<\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"3\" width=\"83\"><\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">\u00dcgyf\u00e9lbet\u00e9tek<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">191 070<\/td>\n<td width=\"68\">206 256<\/td>\n<td colspan=\"3\" width=\"83\">7,9<\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"3\" width=\"83\"><\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><strong>M\u00e9rlegf\u0151\u00f6sszeg<\/strong><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><strong>277 394<\/strong><\/td>\n<td width=\"68\"><strong>303 435<\/strong><\/td>\n<td colspan=\"3\" width=\"83\"><strong>9,4<\/strong><\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"3\" width=\"83\"><\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><strong>Legfontosabb ar\u00e1nysz\u00e1mok a m\u00e9rlegben<\/strong><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><strong>20 Dec.<\/strong><\/td>\n<td width=\"68\"><strong>21 J\u00fan.<\/strong><\/td>\n<td colspan=\"3\" width=\"83\"><strong>v\u00e1ltoz\u00e1s<\/strong><\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">Hitel\/bet\u00e9t r\u00e1ta<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">86.9%<\/td>\n<td width=\"68\">83.4%<\/td>\n<td colspan=\"3\" width=\"83\">&#8211; 3.5 PP<\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">NPL-r\u00e1ta<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">2.7%<\/td>\n<td width=\"68\">2.5%<\/td>\n<td colspan=\"3\" width=\"83\">&#8211; 0.2 PP<\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">NPL-fedezeti r\u00e1ta (biztos\u00edt\u00e9kok n\u00e9lk\u00fcl)<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">88.6%<\/td>\n<td width=\"68\">91.4%<\/td>\n<td colspan=\"3\" width=\"83\">2.8 PP<\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\">CET1 alapt\u0151ker\u00e1ta (v\u00e9gleges)<\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\">14.2%<\/td>\n<td width=\"68\">14.2%<\/td>\n<td colspan=\"3\" width=\"83\">&#8211;<\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"3\" width=\"83\"><\/td>\n<td width=\"11\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"398\"><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td colspan=\"3\" width=\"25\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<tr>\n<td width=\"16\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"396\"><\/td>\n<td width=\"15\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"68\"><\/td>\n<td width=\"6\"><\/td>\n<td width=\"8\"><\/td>\n<td width=\"13\"><\/td>\n<td width=\"19\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>A 2021 janu\u00e1r-j\u00faniusi adatokat a 2020. janu\u00e1r-j\u00faniusi <\/em><em>eredm\u00e9nyekkel vetj\u00fck \u00f6ssze, a m\u00e9rleg t\u00e9telein\u00e9l pedig a 2021. j\u00fanius 30-i adatokat a 2020. december 31-i poz\u00edci\u00f3kkal.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Az Erste Csoport, Kelet-K\u00f6z\u00e9p-Eur\u00f3pa vezet\u0151 hitelint\u00e9zete 2021-ben is folyamatosan er\u0151teljes \u00fczleti teljes\u00edtm\u00e9nyt mutatott, \u00e9ves \u00f6sszehasonl\u00edt\u00e1sban 24 sz\u00e1zal\u00e9kkal 1,69 milli\u00e1rd eur\u00f3ra n\u0151tt az els\u0151 f\u00e9l\u00e9ves m\u0171k\u00f6d\u00e9si eredm\u00e9nye (2020. els\u0151 f\u00e9l\u00e9v: 1,36 milli\u00e1rd eur\u00f3). Ebben els\u0151dleges szerepet j\u00e1tszott a stabil nett\u00f3 kamatbev\u00e9tel, a nett\u00f3 d\u00edj- \u00e9s jutal\u00e9kbev\u00e9telek jelent\u0151s emelked\u00e9se, valamint a nett\u00f3 keresked\u00e9si eredm\u00e9ny \u00e9s a p\u00e9nz\u00fcgyi &#8230;<\/p>\n","protected":false},"author":1001006,"featured_media":0,"comment_status":"open","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\/137145"}],"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=137145"}],"version-history":[{"count":1,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/137145\/revisions"}],"predecessor-version":[{"id":137146,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/posts\/137145\/revisions\/137146"}],"wp:attachment":[{"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/media?parent=137145"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/categories?post=137145"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gazdasagportal.hu\/index.php\/wp-json\/wp\/v2\/tags?post=137145"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}