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K&H Bank

Banking > Hungary > K&H Bank
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K&H Bank

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

Read more »
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.

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summary Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                        102,604 73,993 77,193 81,958 73,883    
                        151,684 125,390 150,037 160,028 162,720    
                        83,549 40,205 43,784 -13,218 60,625    
                        586 20,457 17,488 -28,290 37,863    

balance sheet

                        74,855 71,345 78,348 57,398 73,632    
                        1,565,870 1,189,000 1,147,350 1,196,590 1,133,990    
                        954,020 1,021,690 1,091,740 661,362 244,989    
                        2,870,740 2,462,190 2,562,270 2,442,840 2,609,400    
                        194,676 215,870 212,490 179,716 217,536    
                        639,408 288,462 290,350 298,344 349,762    
                        1,756,360 1,728,750 1,881,910 1,804,120 1,684,180    
                        42,124 33,851 30,770 47,516 252,174    

ratios

                        0.282% 9.97% 8.17% -14.4% 19.1%    
                        0.019% 0.767% 0.696% -1.13% 1.50%    
                        2.23% 3.19% 4.23% 6.92% 4.04%    
                        44.9% 67.9% 70.8% 108% 62.7%    
                        11.4% 12.9% 14.2% 11.6% 13.0%    
                        3.36% 2.77% 3.07% 3.27% 2.92%    
                        67.6% 59.0% 51.4% 51.2% 45.4%    
                        19.4% 22.4% 32.6% 32.0% 32.1%    
                        43.0% 37.1% 27.4% 16.8% 31.4%    
                        6.78% 8.77% 8.29% 7.36% 8.34%    
                        89.2% 68.8% 61.0% 66.3% 67.3%    
                        54.5% 48.3% 44.8% 49.0% 43.5%    
... ... ... ... ... ... ... ...         6.59% 13.6% 17.5% 18.1% 10.2%    
... ... ... ... ... ... ... ...         131% 59.9% 50.2% 52.5% 46.6%    

Download Data
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
Interest Cost HUF mil
Net Interest Income HUF mil
Net Fee Income HUF mil
Other Income HUF mil
Total Revenues HUF mil
Staff Cost HUF mil
Depreciation HUF mil
Other Cost HUF mil
Operating Cost HUF mil
Operating Profit HUF mil
Provisions HUF mil
Extra and Other Cost HUF mil
Pre-Tax Profit HUF mil
Tax HUF mil
Minorities HUF mil
Net Profit HUF mil
                        198,470 161,804 140,421 118,952 101,807    
                        95,866 87,811 63,228 36,994 27,924    
                        102,604 73,993 77,193 81,958 73,883    
                        29,418 28,067 48,863 51,214 52,257    
                        19,662 23,330 23,981 26,856 36,580    
                        151,684 125,390 150,037 160,028 162,720    
                        29,308 31,570 29,065 29,113 32,078    
                        6,408 7,515 7,633 6,676 6,876    
                        32,419 46,100 69,555 137,457 63,141    
                        68,135 85,185 106,253 173,246 102,095    
                        83,549 40,205 43,784 -13,218 60,625    
                        79,157 13,629 22,788 15,105 13,090    
                        -342 -402 -257 -41.0 0.000    
                        4,734 26,978 21,253 -28,282 47,535    
                        4,148 6,521 3,765 8.00 9,672    
                        0.000 0.000 0.000 0.000 0.000    
                        586 20,457 17,488 -28,290 37,863    

growth rates

...                       -3.08% -27.9% 4.32% 6.17% -9.85%    
...                       -2.93% -4.59% 74.1% 4.81% 2.04%    
...                       -4.11% -17.3% 19.7% 6.66% 1.68%    
...                       -21.4% 25.0% 24.7% 63.1% -41.1%    
...                       16.8% -51.9% 8.90% -130% -559%    
...                       -86.9% 470% -21.2% -233% -268%    
...                       -97.8% 3,391% -14.5% -262% -234%    

market share

                        11.4% 13.9% 15.0% 15.1% 19.1%    
...                       ... ... 56.1% ... ...    
                        8.48% 8.99% 8.41% 8.44% 9.26%    
... ... ... ... ... ...     ... ... ... ... ... 6.79% 6.78% 6.75% 7.43%    

Download Data
balance sheet Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

                        161,398 78,784 153,104 423,651 117,666    
                        74,855 71,345 78,348 57,398 73,632    
                        1,565,870 1,189,000 1,147,350 1,196,590 1,133,990    
                        673,280 541,786 492,842 450,921 458,605    
... ... ... ... ... ... ... ...         611,554 497,338 459,722 420,921 432,627    
... ... ... ... ... ... ... ...         61,726 44,448 33,120 30,000 25,978    
                        762,588 517,218 524,504 605,945 531,915    
                        954,020 1,021,690 1,091,740 661,362 244,989    
                        58,252 57,460 55,047 49,372 49,289    
                        2,870,740 2,462,190 2,562,270 2,442,840 2,609,400    
                        194,676 215,870 212,490 179,716 217,536    
                        0.000 0.000 0.000 0.000 0.000    
                        2,676,070 2,246,320 2,349,780 2,263,120 2,391,860    
                        639,408 288,462 290,350 298,344 349,762    
                        1,756,360 1,728,750 1,881,910 1,804,120 1,684,180    
                ... ... ... ... ... ... ... ... ... ... ...
                ... ... ... ... ... ... ... ... ... ... ...
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 1,035,520    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 648,666    
                        42,124 33,851 30,770 47,516 252,174    
                        238,171 195,264 146,753 113,139 105,742    

asset quality

... ... ... ... ... ... ... ...         108,499 186,022 235,260 238,731 121,085    
                        1,645,240 1,371,770 1,343,730 1,321,880 1,190,430    
                        141,811 111,422 118,040 125,288 56,439    

growth rates

...                       -6.86% -24.1% -3.50% 4.29% -5.23%    
...                       -15.4% -19.5% -9.03% -8.51% 1.70%    
... ... ... ... ... ... ... ... ...       -14.5% -18.7% -7.56% -8.44% 2.78%    
... ... ... ... ... ... ... ... ...       -23.0% -28.0% -25.5% -9.42% -13.4%    
...                       0.944% -32.2% 1.41% 15.5% -12.2%    
...                       -11.1% -14.2% 4.06% -4.66% 6.82%    
...                       -12.0% 10.9% -1.57% -15.4% 21.0%    
...                       8.20% -1.57% 8.86% -4.13% -6.65%    
...               ... ... ... ... ... ... ... ... ... ... ...
...               ... ... ... ... ... ... ... ... ... ... ...

market share

                        8.49% 7.42% 7.48% 7.98% 8.51%    
                        11.1% 8.70% 9.18% 10.3% 10.0%    
... ... ... ... ... ... ... ...         1.81% 1.50% 1.24% 1.21% 1.26%    
                        8.79% 8.33% 8.19% 7.75% 9.06%    
... ... ... ... ... ... ... ...         14.4% 14.1% 13.8% 12.6% 14.4%    
                        7.57% 7.14% 7.25% 6.68% 7.24%    
                        12.0% 11.8% 12.6% 11.3% 9.41%    
                ... ... ... ... ... ... ... ... ... ... ...
                ... ... ... ... ... ... ... ... ... ... ...

Download Data
ratios Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

                        0.282% 9.97% 8.17% -14.4% 19.1%    
                        0.019% 0.767% 0.696% -1.13% 1.50%    
                        2.23% 3.19% 4.23% 6.92% 4.04%    
                        44.9% 67.9% 70.8% 108% 62.7%    
                        11.4% 12.9% 14.2% 11.6% 13.0%    
                        3.36% 2.77% 3.07% 3.27% 2.92%    
...                       3.13% 2.50% 2.84% 3.15% 2.83%    
                        6.51% 6.07% 5.59% 4.75% 4.03%    
...                       3.37% 3.57% 2.75% 1.60% 1.20%    
                        67.6% 59.0% 51.4% 51.2% 45.4%    
                        19.4% 22.4% 32.6% 32.0% 32.1%    
                        13.0% 18.6% 16.0% 16.8% 22.5%    
                        3,469 3,164 3,166 3,053 2,759    
                        697,610 711,998 708,212 728,116 755,986    
                        43.0% 37.1% 27.4% 16.8% 31.4%    
                        6.78% 8.77% 8.29% 7.36% 8.34%    
                        89.2% 68.8% 61.0% 66.3% 67.3%    
                        54.5% 48.3% 44.8% 49.0% 43.5%    
... ... ... ... ... ... ... ...         6.59% 13.6% 17.5% 18.1% 10.2%    
... ... ... ... ... ... ... ...         131% 59.9% 50.2% 52.5% 46.6%    
                        9.06% 9.37% 10.3% 10.5% 4.98%    
                        4.88% 0.989% 1.95% 1.29% 1.12%    

Download Data
other data Unit
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ... ... ... ...     ... ... ... ... ... 226 220 210 209    
                        3,501 3,695 3,420 3,332 3,536    
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...  
... ... ... ... ... ... ...   ... ... ... ... ... ... 1.60 ... ... ... ...
... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 61.5%    

Download Data
Comparison of 10 Banks in Hungary

This Annual Statistical Dossier offers a comparison of 10 Hungarian banks from 1993 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 10 Hungarian banks from 1993 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

K&H Bank in Numbers

September 26, 2018
K&H Bank in Numbers

This Annual statistical dossier offers a summary of K&H Bank's performance between 1999 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

Read more »

This Annual statistical dossier offers a summary of K&H Bank's performance between 1999 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track K&H Bank's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

K&H Bank at a Glance

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,

Read more »

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.

This report offers a summary of the bank's performance in 2000-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Hungary

K&H Bank in Numbers

June 14, 2014
K&H Bank in Numbers

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,

Read more »

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.

This excel file offers a summary of the bank's performance in 2000-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Hungary

Based on a comparison of 9 banks in Hungary in 2016, OTP Group had the most employees, followed by K&H Bank and Budapest Bank.

OTP Group employed 32,335 persons in 2016, up 1.96% when compared to the previous year. Historically,

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Based on a comparison of 9 banks in Hungary in 2016, OTP Group had the most employees, followed by K&H Bank and Budapest Bank.

OTP Group employed 32,335 persons in 2016, up 1.96% when compared to the previous year. Historically, the bank's workforce hit an all time high of 37,487 persons in 2013 and an all time low of 8,137 in 2000.

Average cost reached CZK 493,386 per month per month per employee, 0.023% less than a year ago. This figure was CZK 331,285 per month some 10 years ago.

Comparing OTP Group with its closest peers, K&H Bank had 3,654 employees with average cost of CZK 714,491 per month per person, Budapest Bank operated with 2,914 people (and CZK 717,828 per month per employee) and Erste Bank Hungary had 2,873 employees in 2016 with cost CZK 2,873 per month per head.

Hungarian banking sector employed 41,020 people in 2016.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Hungarian banks in the report section.

Based on a comparison of 10 banks in Hungary in 2016, FHB Bank had the highest share of bad loans, followed by CIB Bank and OTP Group.

FHB Bank's non-performing loans reached 26.8 of total loans at the end of 2016, up from 21.8

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Based on a comparison of 10 banks in Hungary in 2016, FHB Bank had the highest share of bad loans, followed by CIB Bank and OTP Group.

FHB Bank's non-performing loans reached 26.8 of total loans at the end of 2016, up from 21.8 when compared to the previous year. Historically, the NPL ratio hit an all time high of 26.8 in 2016 and an all time low of 0.278 in 2003.

Provision coverage amounted to 24.7 at the end of 2016, down from 28.6 compared to a year earlier.

Comparing FHB Bank with its closest peers, CIB Bank operated at the end of 2016 with NPL ratio of 24.7 and provision coverage of 61.9, OTP Group with 14.7 and 96.8 and Budapest Bank had 14.7 of bad loans covered with 92.2 by provisions at the end of 2016.

Non-performing loans of the whole Hungary’s banking sector amounted to 4.59 of total loans in 2016, down from 5.48 when compared to the last year.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Hungarian banks in the report section.

Based on a comparison of 10 banks in Hungary in 2016, OTP Bank Hungary operated with the lowest loan to deposit ratio, followed by K&H Bank and MKB Bank.

OTP Bank Hungary's loan to deposit ratio reached 53.2 at the end of 2016,

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Based on a comparison of 10 banks in Hungary in 2016, OTP Bank Hungary operated with the lowest loan to deposit ratio, followed by K&H Bank and MKB Bank.

OTP Bank Hungary's loan to deposit ratio reached 53.2 at the end of 2016, down from 53.3 when compared to the previous year. Historically, the bank’s loans to deposits hit an all time high of 99.6 in 2008 and an all time low of 53.2 in 2016.

Comparing OTP Bank Hungary with its closest peers, K&H Bank ended the year 2016 with loans to deposits at 55.3, MKB Bank with 56.5 and Raiffeisen Bank Hungary some 63.0 of loans to deposits at the end of 2016.

Overall, total loans of the Hungarian banking sector amounted to 78.3% of deposits at the end of 2016.

You can see all the banks loan to deposit ratio on the Loans (As % Of Deposits) indicator page or you can download a report on the Hungarian banks in the report section.

Based on a comparison of 9 banks in Hungary in 2016, OTP Group operated with the highest net interest margin, followed by Budapest Bank and Erste Bank Hungary.

OTP Group's net interest margin amounted to 4.75 in 2016, down from

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Based on a comparison of 9 banks in Hungary in 2016, OTP Group operated with the highest net interest margin, followed by Budapest Bank and Erste Bank Hungary.

OTP Group's net interest margin amounted to 4.75 in 2016, down from 5.09 when compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 6.84 in 2004 and an all time low of 4.75 in 2016. The average margin in the last five years amounted to 5.71.

Average asset yield was 6.31 in 2016, down from 7.42 when compared to previous year. On the other hand, cost of funding amounted to 1.77 in 2016, down from 2.64.

Comparing OTP Group with its closest peers, Budapest Bank operated in 2016 with a net interest margin of 4.18 Erste Bank Hungary reached 2.86 and K&H Bank some 2.53.

The average net interest margin reached 1.90% in the Hungarian banking sector in 2016 while interest spread amounted to 3.53%.

You can see all the banks interest margin data on the Net Interest Margin indicator page or you can download a report on the Hungarian banks in the report section.

See all charts of the company »
K&H Bank's net profit rose 5.76% to HUF 41,669 mil in 2017
K&H Bank's npls (as % of loans) fell 29.7% to 5.17% in 2017
K&H Bank's net profit rose 5.76% to HUF 41,669 mil in 2017
K&H Bank's customer deposits rose 7.59% to HUF 2,293,310 mil in 2017
K&H Bank's net interest margin fell 3.69% to 2.44% in 2017
K&H Bank's mortgage loans rose 7.39% to HUF 482,823 mil in 2017
K&H Bank's customer loans rose 12.8% to HUF 1,331,010 mil in 2017
K&H Bank's total revenues fell 5.92% to HUF 147,864 mil in 2017
K&H Bank's employees fell 4.84% to 3,477 in 2017
K&H Bank's consumer loans rose 36.8% to HUF 41,064 mil in 2017