By Helgi Library - May 21, 2018
K&H Bank made a net profit of HUF 41,669 mil in 2017, up 5.76% compared to the previous year. This implies a return on equit...
By Helgi Library - May 21, 2018
K&H Bank made a net profit of HUF 41,669 mil in 2017, up 5.76% compared to the previous year. This implies a return on equit...
By Helgi Library - May 21, 2018
K&H Bank's non-performing loans reached 5.17% of total loans at the end of 2017, down from 7.34% compared to the previous yea...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | HUF mil | 73,883 | 69,254 | 71,973 |
| Net Fee Income | HUF mil | 52,257 | 48,981 | 51,474 |
| Other Income | HUF mil | 36,580 | 38,939 | 24,417 |
| Total Revenues | HUF mil | 162,720 | 157,174 | 147,864 |
| Staff Cost | HUF mil | 32,078 | 31,329 | 32,309 |
| Operating Profit | HUF mil | 60,625 | 67,984 | 54,843 |
| Provisions | HUF mil | 13,090 | 5,703 | 75.0 |
| Net Profit | HUF mil | 37,863 | 39,400 | 41,669 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | HUF mil | 73,632 | 17,767 | 199,515 |
| Customer Loans | HUF mil | 1,133,990 | 1,179,520 | 1,331,010 |
| Total Assets | HUF mil | 2,609,400 | 2,856,130 | 3,041,320 |
| Shareholders' Equity | HUF mil | 217,536 | 259,365 | 266,024 |
| Interbank Borrowing | HUF mil | 349,762 | 172,500 | 302,993 |
| Customer Deposits | HUF mil | 1,684,180 | 2,131,480 | 2,293,310 |
| Issued Debt Securities | HUF mil | 252,174 | 231,937 | 156,983 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 19.1 | 16.5 | 15.9 |
| ROA | % | 1.50 | 1.44 | 1.41 |
| Costs (As % Of Assets) | % | 4.04 | 3.26 | 3.15 |
| Costs (As % Of Income) | % | 62.7 | 56.7 | 62.9 |
| Capital Adequacy Ratio | % | 13.0 | 14.6 | 16.0 |
| Net Interest Margin | % | 2.92 | 2.53 | 2.44 |
| Loans (As % Of Deposits) | % | 67.3 | 55.3 | 58.0 |
| NPLs (As % Of Loans) | % | 10.2 | 7.34 | 5.17 |
| Provisions (As % Of NPLs) | % | 46.6 | 47.5 | 47.3 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 1.68 | -3.41 | -5.92 |
| Operating Cost Growth | % | -41.1 | -12.6 | 4.30 |
| Operating Profit Growth | % | -559 | 12.1 | -19.3 |
| Net Profit Growth | % | -234 | 4.06 | 5.76 |
| Customer Loan Growth | % | -5.23 | 4.02 | 12.8 |
| Total Asset Growth | % | 6.82 | 9.46 | 6.48 |
| Customer Deposit Growth | % | -6.65 | 26.6 | 7.59 |
| Shareholders' Equity Growth | % | 21.0 | 19.2 | 2.57 |
| Employees | 3,536 | 3,654 | 3,477 | |
Get all company financials in excel:
| summary | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||||
| Net Interest Income | HUF mil | 102,604 | 73,993 | 77,193 | 81,958 | 73,883 | ||||||||||||||
| Total Revenues | HUF mil | 151,684 | 125,390 | 150,037 | 160,028 | 162,720 | ||||||||||||||
| Operating Profit | HUF mil | 83,549 | 40,205 | 43,784 | -13,218 | 60,625 | ||||||||||||||
| Net Profit | HUF mil | 586 | 20,457 | 17,488 | -28,290 | 37,863 | ||||||||||||||
| balance sheet | ||||||||||||||||||||
| Interbank Loans | HUF mil | 74,855 | 71,345 | 78,348 | 57,398 | 73,632 | ||||||||||||||
| Customer Loans | HUF mil | 1,565,870 | 1,189,000 | 1,147,350 | 1,196,590 | 1,133,990 | ||||||||||||||
| Debt Securities | HUF mil | 954,020 | 1,021,690 | 1,091,740 | 661,362 | 244,989 | ||||||||||||||
| Total Assets | HUF mil | 2,870,740 | 2,462,190 | 2,562,270 | 2,442,840 | 2,609,400 | ||||||||||||||
| Shareholders' Equity | HUF mil | 194,676 | 215,870 | 212,490 | 179,716 | 217,536 | ||||||||||||||
| Interbank Borrowing | HUF mil | 639,408 | 288,462 | 290,350 | 298,344 | 349,762 | ||||||||||||||
| Customer Deposits | HUF mil | 1,756,360 | 1,728,750 | 1,881,910 | 1,804,120 | 1,684,180 | ||||||||||||||
| Issued Debt Securities | HUF mil | 42,124 | 33,851 | 30,770 | 47,516 | 252,174 | ||||||||||||||
| ratios | ||||||||||||||||||||
| ROE | % | 0.282 | 9.97 | 8.17 | -14.4 | 19.1 | ||||||||||||||
| ROA | % | 0.019 | 0.767 | 0.696 | -1.13 | 1.50 | ||||||||||||||
| Costs (As % Of Assets) | % | 2.23 | 3.19 | 4.23 | 6.92 | 4.04 | ||||||||||||||
| Costs (As % Of Income) | % | 44.9 | 67.9 | 70.8 | 108 | 62.7 | ||||||||||||||
| Capital Adequacy Ratio | % | 11.4 | 12.9 | 14.2 | 11.6 | 13.0 | ||||||||||||||
| Net Interest Margin | % | 3.36 | 2.77 | 3.07 | 3.27 | 2.92 | ||||||||||||||
| Interest Income (As % Of Revenues) | % | 67.6 | 59.0 | 51.4 | 51.2 | 45.4 | ||||||||||||||
| Fee Income (As % Of Revenues) | % | 19.4 | 22.4 | 32.6 | 32.0 | 32.1 | ||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 43.0 | 37.1 | 27.4 | 16.8 | 31.4 | ||||||||||||||
| Equity (As % Of Assets) | % | 6.78 | 8.77 | 8.29 | 7.36 | 8.34 | ||||||||||||||
| Loans (As % Of Deposits) | % | 89.2 | 68.8 | 61.0 | 66.3 | 67.3 | ||||||||||||||
| Loans (As % Assets) | % | 54.5 | 48.3 | 44.8 | 49.0 | 43.5 | ||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | 6.59 | 13.6 | 17.5 | 18.1 | 10.2 | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | 131 | 59.9 | 50.2 | 52.5 | 46.6 | ||||||
| valuation | ||||||||||||||||||||
| Book Value Per Share Growth | % | ... | -3.08 | -27.9 | 4.32 | 6.17 | -9.85 |
| income statement | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||||
| Interest Income | HUF mil | 198,470 | 161,804 | 140,421 | 118,952 | 101,807 | ||||||||||||||
| Interest Cost | HUF mil | 95,866 | 87,811 | 63,228 | 36,994 | 27,924 | ||||||||||||||
| Net Interest Income | HUF mil | 102,604 | 73,993 | 77,193 | 81,958 | 73,883 | ||||||||||||||
| Net Fee Income | HUF mil | 29,418 | 28,067 | 48,863 | 51,214 | 52,257 | ||||||||||||||
| Other Income | HUF mil | 19,662 | 23,330 | 23,981 | 26,856 | 36,580 | ||||||||||||||
| Total Revenues | HUF mil | 151,684 | 125,390 | 150,037 | 160,028 | 162,720 | ||||||||||||||
| Staff Cost | HUF mil | 29,308 | 31,570 | 29,065 | 29,113 | 32,078 | ||||||||||||||
| Depreciation | HUF mil | 6,408 | 7,515 | 7,633 | 6,676 | 6,876 | ||||||||||||||
| Other Cost | HUF mil | 32,419 | 46,100 | 69,555 | 137,457 | 63,141 | ||||||||||||||
| Operating Cost | HUF mil | 68,135 | 85,185 | 106,253 | 173,246 | 102,095 | ||||||||||||||
| Operating Profit | HUF mil | 83,549 | 40,205 | 43,784 | -13,218 | 60,625 | ||||||||||||||
| Provisions | HUF mil | 79,157 | 13,629 | 22,788 | 15,105 | 13,090 | ||||||||||||||
| Extra and Other Cost | HUF mil | -342 | -402 | -257 | -41.0 | 0 | ||||||||||||||
| Pre-Tax Profit | HUF mil | 4,734 | 26,978 | 21,253 | -28,282 | 47,535 | ||||||||||||||
| Tax | HUF mil | 4,148 | 6,521 | 3,765 | 8.00 | 9,672 | ||||||||||||||
| Minorities | HUF mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Net Profit | HUF mil | 586 | 20,457 | 17,488 | -28,290 | 37,863 | ||||||||||||||
| growth rates | ||||||||||||||||||||
| Net Interest Income Growth | % | ... | -3.08 | -27.9 | 4.32 | 6.17 | -9.85 | |||||||||||||
| Net Fee Income Growth | % | ... | -2.93 | -4.59 | 74.1 | 4.81 | 2.04 | |||||||||||||
| Total Revenue Growth | % | ... | -4.11 | -17.3 | 19.7 | 6.66 | 1.68 | |||||||||||||
| Operating Cost Growth | % | ... | -21.4 | 25.0 | 24.7 | 63.1 | -41.1 | |||||||||||||
| Operating Profit Growth | % | ... | 16.8 | -51.9 | 8.90 | -130 | -559 | |||||||||||||
| Pre-Tax Profit Growth | % | ... | -86.9 | 470 | -21.2 | -233 | -268 | |||||||||||||
| Net Profit Growth | % | ... | -97.8 | 3,391 | -14.5 | -262 | -234 | |||||||||||||
| market share | ||||||||||||||||||||
| Market Share in Revenues | % | 11.4 | 13.9 | 15.0 | 15.1 | 19.1 | ||||||||||||||
| Market Share in Net Profit | % | ... | ... | ... | 56.1 | ... | ... | |||||||||||||
| Market Share in Employees | % | 8.48 | 8.99 | 8.41 | 8.44 | 9.26 | ||||||||||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.79 | 6.78 | 6.75 | 7.43 |
| balance sheet | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||||||||
| Cash | HUF mil | 161,398 | 78,784 | 153,104 | 423,651 | 117,666 | ||||||||||||||
| Interbank Loans | HUF mil | 74,855 | 71,345 | 78,348 | 57,398 | 73,632 | ||||||||||||||
| Customer Loans | HUF mil | 1,565,870 | 1,189,000 | 1,147,350 | 1,196,590 | 1,133,990 | ||||||||||||||
| Retail Loans | HUF mil | 673,280 | 541,786 | 492,842 | 450,921 | 458,605 | ||||||||||||||
| Mortgage Loans | HUF mil | ... | ... | ... | ... | ... | ... | ... | ... | 611,554 | 497,338 | 459,722 | 420,921 | 432,627 | ||||||
| Consumer Loans | HUF mil | ... | ... | ... | ... | ... | ... | ... | ... | 61,726 | 44,448 | 33,120 | 30,000 | 25,978 | ||||||
| Corporate Loans | HUF mil | 762,588 | 517,218 | 524,504 | 605,945 | 531,915 | ||||||||||||||
| Debt Securities | HUF mil | 954,020 | 1,021,690 | 1,091,740 | 661,362 | 244,989 | ||||||||||||||
| Fixed Assets | HUF mil | 58,252 | 57,460 | 55,047 | 49,372 | 49,289 | ||||||||||||||
| Total Assets | HUF mil | 2,870,740 | 2,462,190 | 2,562,270 | 2,442,840 | 2,609,400 | ||||||||||||||
| Shareholders' Equity | HUF mil | 194,676 | 215,870 | 212,490 | 179,716 | 217,536 | ||||||||||||||
| Of Which Minority Interest | HUF mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||||
| Liabilities | HUF mil | 2,676,070 | 2,246,320 | 2,349,780 | 2,263,120 | 2,391,860 | ||||||||||||||
| Interbank Borrowing | HUF mil | 639,408 | 288,462 | 290,350 | 298,344 | 349,762 | ||||||||||||||
| Customer Deposits | HUF mil | 1,756,360 | 1,728,750 | 1,881,910 | 1,804,120 | 1,684,180 | ||||||||||||||
| Retail Deposits | HUF mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||
| Corporate Deposits | HUF mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||
| Sight Deposits | HUF mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1,035,520 | ||
| Term Deposits | HUF mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 648,666 | ||
| Issued Debt Securities | HUF mil | 42,124 | 33,851 | 30,770 | 47,516 | 252,174 | ||||||||||||||
| Other Liabilities | HUF mil | 238,171 | 195,264 | 146,753 | 113,139 | 105,742 | ||||||||||||||
| asset quality | ||||||||||||||||||||
| Non-Performing Loans | HUF mil | ... | ... | ... | ... | ... | ... | ... | ... | 108,499 | 186,022 | 235,260 | 238,731 | 121,085 | ||||||
| Gross Loans | HUF mil | 1,645,240 | 1,371,770 | 1,343,730 | 1,321,880 | 1,190,430 | ||||||||||||||
| Total Provisions | HUF mil | 141,811 | 111,422 | 118,040 | 125,288 | 56,439 | ||||||||||||||
| growth rates | ||||||||||||||||||||
| Customer Loan Growth | % | ... | -6.86 | -24.1 | -3.50 | 4.29 | -5.23 | |||||||||||||
| Retail Loan Growth | % | ... | -15.4 | -19.5 | -9.03 | -8.51 | 1.70 | |||||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | -14.5 | -18.7 | -7.56 | -8.44 | 2.78 | |||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | -23.0 | -28.0 | -25.5 | -9.42 | -13.4 | |||||
| Corporate Loan Growth | % | ... | 0.944 | -32.2 | 1.41 | 15.5 | -12.2 | |||||||||||||
| Total Asset Growth | % | ... | -11.1 | -14.2 | 4.06 | -4.66 | 6.82 | |||||||||||||
| Shareholders' Equity Growth | % | ... | -12.0 | 10.9 | -1.57 | -15.4 | 21.0 | |||||||||||||
| Customer Deposit Growth | % | ... | 8.20 | -1.57 | 8.86 | -4.13 | -6.65 | |||||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | |||||||
| market share | ||||||||||||||||||||
| Market Share in Customer Loans | % | 8.49 | 7.42 | 7.48 | 7.98 | 8.51 | ||||||||||||||
| Market Share in Corporate Loans | % | 11.1 | 8.70 | 9.18 | 10.3 | 10.0 | ||||||||||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | 1.81 | 1.50 | 1.24 | 1.21 | 1.26 | ||||||
| Market Share in Consumer Loans | % | 8.79 | 8.33 | 8.19 | 7.75 | 9.06 | ||||||||||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | 14.4 | 14.1 | 13.8 | 12.6 | 14.4 | ||||||
| Market Share in Total Assets | % | 7.57 | 7.14 | 7.25 | 6.68 | 7.24 | ||||||||||||||
| Market Share in Customer Deposits | % | 12.0 | 11.8 | 12.6 | 11.3 | 9.41 | ||||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| ratios | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||||||
| ROE | % | 0.282 | 9.97 | 8.17 | -14.4 | 19.1 | ||||||||||||||
| ROA | % | 0.019 | 0.767 | 0.696 | -1.13 | 1.50 | ||||||||||||||
| Costs (As % Of Assets) | % | 2.23 | 3.19 | 4.23 | 6.92 | 4.04 | ||||||||||||||
| Costs (As % Of Income) | % | 44.9 | 67.9 | 70.8 | 108 | 62.7 | ||||||||||||||
| Capital Adequacy Ratio | % | 11.4 | 12.9 | 14.2 | 11.6 | 13.0 | ||||||||||||||
| Net Interest Margin | % | 3.36 | 2.77 | 3.07 | 3.27 | 2.92 | ||||||||||||||
| Interest Spread | % | ... | 3.13 | 2.50 | 2.84 | 3.15 | 2.83 | |||||||||||||
| Asset Yield | % | 6.51 | 6.07 | 5.59 | 4.75 | 4.03 | ||||||||||||||
| Cost Of Liabilities | % | ... | 3.37 | 3.57 | 2.75 | 1.60 | 1.20 | |||||||||||||
| Interest Income (As % Of Revenues) | % | 67.6 | 59.0 | 51.4 | 51.2 | 45.4 | ||||||||||||||
| Fee Income (As % Of Revenues) | % | 19.4 | 22.4 | 32.6 | 32.0 | 32.1 | ||||||||||||||
| Other Income (As % Of Revenues) | % | 13.0 | 18.6 | 16.0 | 16.8 | 22.5 | ||||||||||||||
| Cost Per Employee | USD per month | 3,469 | 3,164 | 3,166 | 3,053 | 2,759 | ||||||||||||||
| Cost Per Employee (Local Currency) | HUF per month | 697,610 | 711,998 | 708,212 | 728,116 | 755,986 | ||||||||||||||
| Staff Cost (As % Of Total Cost) | % | 43.0 | 37.1 | 27.4 | 16.8 | 31.4 | ||||||||||||||
| Equity (As % Of Assets) | % | 6.78 | 8.77 | 8.29 | 7.36 | 8.34 | ||||||||||||||
| Loans (As % Of Deposits) | % | 89.2 | 68.8 | 61.0 | 66.3 | 67.3 | ||||||||||||||
| Loans (As % Assets) | % | 54.5 | 48.3 | 44.8 | 49.0 | 43.5 | ||||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | ... | ... | ... | 6.59 | 13.6 | 17.5 | 18.1 | 10.2 | ||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | ... | ... | ... | 131 | 59.9 | 50.2 | 52.5 | 46.6 | ||||||
| Provisions (As % Of Loans) | % | 9.06 | 9.37 | 10.3 | 10.5 | 4.98 | ||||||||||||||
| Cost of Provisions (As % Of Loans) | % | 4.88 | 0.989 | 1.95 | 1.29 | 1.12 |
| other data | Unit | 1999 | 2000 | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 226 | 220 | 210 | 209 | |||||
| Employees | 3,501 | 3,695 | 3,420 | 3,332 | 3,536 | |||||||||||||||
| ATMs | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ||
| Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.60 | ... | ... | ... | ... | |
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 61.5 |
Get all company financials in excel:
By Helgi Library - May 21, 2018
K&H Bank's non-performing loans reached 5.17% of total loans at the end of 2017, down from 7.34% compared to the previous year. Historically, the NPL ratio hit an all time high of 18.1% in 2014 and an all time low of 5.17% in 2017. Provision coverage am...
By Helgi Library - May 22, 2018
K&H Bank's customer deposits reached HUF 2,293,310 mil in 2017, up 7.59% compared to the previous year. Hungarian banking sector accepted customer deposits of HUF 20,469 bil in 2017, up 7.74% when compared to the last year. K&H Bank accounted for ...
By Helgi Library - May 22, 2018
K&H Bank's customer deposits reached HUF 2,293,310 mil in 2017, up 7.59% compared to the previous year. Hungarian banking sector accepted customer deposits of HUF 20,469 bil in 2017, up 7.74% when compared to the last year. K&H Bank accounted for ...
By Helgi Library - May 21, 2018
K&H Bank's net interest margin amounted to 2.44% in 2017, down from 2.53% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.91% in 2001 and an all time low of 2.33% in 2008. The average margin ...
By Helgi Library - May 21, 2018
K&H Bank's net interest margin amounted to 2.44% in 2017, down from 2.53% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.91% in 2001 and an all time low of 2.33% in 2008. The average margin ...
By Helgi Library - May 22, 2018
K&H Bank's mortgage loans reached HUF 482,823 mil in 2017, up 7.39% compared to the previous year. Hungarian banking sector provided mortgage loans of HUF 3,030 bil in 2017, up 3.67% when compared to the last year. K&H Bank accounted for 15.9% of ...
By Helgi Library - May 22, 2018
K&H Bank's mortgage loans reached HUF 482,823 mil in 2017, up 7.39% compared to the previous year. Hungarian banking sector provided mortgage loans of HUF 3,030 bil in 2017, up 3.67% when compared to the last year. K&H Bank accounted for 15.9% of ...
By Helgi Library - May 22, 2018
K&H Bank's customer loans reached HUF 1,331,010 mil in 2017, up 12.8% compared to the previous year. Hungarian banking sector provided customer loans of HUF 13,845 bil in 2017, up 5.17% when compared to the last year. K&H Bank accounted for 9.61% ...
By Helgi Library - May 22, 2018
K&H Bank's customer loans reached HUF 1,331,010 mil in 2017, up 12.8% compared to the previous year. Hungarian banking sector provided customer loans of HUF 13,845 bil in 2017, up 5.17% when compared to the last year. K&H Bank accounted for 9.61% ...
By Helgi Library - May 22, 2018
K&H Bank generated total banking revenues of HUF 147,864 mil in 2017, down 5.92% compared to the previous year. Hungarian banking sector banking sector generated total revenues of HUF 1,358,153 mil in 2017, up 20.3% when compared to the last year....
K&H Bank is a Hungary-based financial service provider. It is the largest corporate and the second largest retail bank in the country with some 8% market share by total assets and 14% by total revenues. K&H Group’s product range includes conventional retail and corporate banking products (account management, investments, savings, credits, bank guarantees, bank card services, custody management, treasury, project finance, etc), as well as premium banking services, investment fund management, leasing, life, property and liability insurance, health and pension fund management, and securities trading. The Bank was founded in 1987 by the Hungarian state and was privatised in 1998. Belgium's KBC Bank owns 100% in the Bank.
K&H Bank has been growing its revenues and asset by 1.22% and 2.30% a year on average in the last 10 years. Its loans and deposits have grown by -1.39% and 4.04% a year during that time and loans to deposits ratio reached 58.0% at the end of 2017. The company achieved an average return on equity of 8.60% in the last decade with net profit growing 1.32% a year on average. In terms of operating efficiency, its cost to income ratio reached 62.9% in 2017, compared to 65.2% average in the last decade.
Equity represented 8.75% of total assets or 20.0% of loans at the end of 2017. K&H Bank's non-performing loans were 5.17% of total loans while provisions covered some 47.3% of NPLs at the end of 2017.
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