GRÁNIT BANK Nyrt financials
GRÁNIT BANK Nyrt
Country: HU Reporting currency: HUF Latest annual report: 2024-12-31
LEI:
549300423T3ZCEZ1PP02 Financial statements
(HUF, as reported — unscaled; 111 line items across 3 annual periods)
| Line item | 2024 | 2023 | 2022 |
|---|---|---|---|
| Income statement | |||
| Administrative expenses | HUF 15.44B | HUF 12.27B | — |
| Employee benefits expense | HUF 11.41B | HUF 7.31B | — |
| Depreciation & amortisation | HUF 3.11B | HUF 1.80B | — |
| Operating profit (EBIT) | HUF 53.40B | HUF 46.21B | — |
| Profit before tax | HUF 23.43B | HUF 24.83B | — |
| Income tax expense | HUF 2.27B | HUF 3.25B | — |
| Profit for the year | HUF 21.16B | HUF 21.58B | — |
| — attributable to owners | HUF 19.22B | HUF 19.89B | — |
| — attributable to NCI | HUF 1.94B | HUF 1.69B | — |
| Total comprehensive income | HUF 20.89B | HUF 22.88B | — |
| Per share | |||
| Basic EPS | HUF 1219.00 | HUF 1292.00 | — |
| Diluted EPS | HUF 1219.00 | HUF 1292.00 | — |
| Free cash flow / share | HUF 9430.49 | HUF 23070.89 | — |
| Cash flow statement | |||
| Net cash from operating activities | HUF 165.62B | HUF 385.58B | — |
| Net cash from investing activities | -HUF 54.42B | HUF 24.91B | — |
| Purchase of PP&E (capex) | HUF 1.93B | HUF 211.0M | — |
| Purchase of intangibles | HUF 5.31B | HUF 2.06B | — |
| Net cash from financing activities | HUF 47.36B | HUF 930.0M | — |
| Dividends paid | HUF 0 | HUF 0 | — |
| Balance sheet | |||
| Total assets | HUF 1.67T | HUF 1.31T | HUF 1.06T |
| Property, plant & equipment | HUF 3.75B | HUF 3.22B | HUF 2.92B |
| Intangible assets & goodwill | HUF 6.79B | HUF 6.20B | HUF 971.0M |
| Cash & equivalents | HUF 625.71B | HUF 465.52B | HUF 55.69B |
| Total equity | HUF 148.07B | HUF 81.52B | HUF 59.10B |
| — attributable to owners | HUF 144.27B | HUF 78.02B | HUF 56.72B |
| Non-controlling interests | HUF 3.80B | HUF 3.50B | HUF 2.38B |
| Deferred tax liabilities | HUF 228.0M | HUF 323.0M | HUF 115.0M |
| Derived metrics | |||
| Free cash flow | HUF 163.70B | HUF 385.37B | — |
| Return on equity | 14.3% | 26.5% | — |
| Cash conversion ratio | 7.83× | 17.87× | — |
| Capex coverage | 86.04× | 1827.38× | — |
| Other reported items | |||
| Accumulated Other Comprehensive Income | -HUF 141.0M | HUF 136.0M | -HUF 1.16B |
| Adjustments For Decrease Increase In Derivative Financial Assets | -HUF 357.0M | HUF 25.12B | — |
| Adjustments For Decrease Increase In Financial Assets Held For Trading | -HUF 4.16B | HUF 5.93B | — |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -HUF 76.50B | -HUF 33.58B | — |
| Adjustments For Decrease Increase In Other Assets | -HUF 20.72B | HUF 232.0M | — |
| Adjustments For Deferred Tax Expense | HUF 120.0M | HUF 356.0M | — |
| Adjustments For Depreciation and Amortisation Expense | HUF 3.11B | HUF 1.80B | — |
| Adjustments For Dividend Income | HUF 2.0M | HUF 61.0M | — |
| Adjustments For Gain Loss On Disposals Property Plant and Equipment | -HUF 109.0M | HUF 0 | — |
| Adjustments For Increase Decrease In Deposits From Banks | -HUF 26.06B | HUF 6.98B | — |
| Adjustments For Increase Decrease In Deposits From Customers | HUF 274.81B | HUF 211.98B | — |
| Adjustments For Increase Decrease In Derivative Financial Liabilities | -HUF 2.02B | HUF 2.25B | — |
| Adjustments For Increase Decrease In Other Liabilities | -HUF 936.0M | -HUF 2.02B | — |
| Adjustments For Interest Expense | HUF 70.53B | HUF 84.04B | — |
| Adjustments For Interest Income | HUF 102.39B | HUF 122.69B | — |
| Adjustments For Provisions | -HUF 138.0M | -HUF 475.0M | — |
| Adjustments For Sharebased Payments | HUF 190.0M | -HUF 123.0M | — |
| Bank Balances At Central Banks Other Than Mandatory Reserve Deposits | HUF 39.97B | HUF 99.87B | HUF 280.20B |
| Capital Reserve | HUF 67.00B | HUF 23.47B | HUF 23.47B |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | -HUF 563.0M | HUF 6.48B | — |
| Changes In Other Provisions | HUF 138.0M | -HUF 475.0M | — |
| Comprehensive Income Attributable To Noncontrolling Interests | HUF 1.94B | HUF 1.69B | — |
| Comprehensive Income Attributable To Owners of Parent | HUF 18.95B | HUF 21.19B | — |
| Current Tax Liabilities | HUF 625.0M | HUF 1.51B | HUF 1.58B |
| Deferred Tax Assets | HUF 168.0M | HUF 134.0M | HUF 142.0M |
| Deposits From Banks | HUF 134.28B | HUF 98.80B | HUF 72.84B |
| Deposits From Customers | HUF 1.19T | HUF 912.95B | HUF 698.90B |
| Derivative Financial Assets | HUF 11.84B | HUF 11.48B | HUF 36.60B |
| Derivative Financial Liabilities | HUF 5.36B | HUF 7.38B | HUF 5.13B |
| Dividends Paid To Noncontrolling Interests | HUF 1.60B | HUF 754.0M | — |
| Dividends Received Classified As Investing Activities | HUF 2.0M | HUF 61.0M | — |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | HUF 1.63B | -HUF 1.59B | — |
| Equity and Liabilities | HUF 1.67T | HUF 1.31T | HUF 1.06T |
| Fee and Commission Expense | HUF 6.47B | HUF 2.74B | — |
| Fee and Commission Income | HUF 24.85B | HUF 10.50B | — |
| Fee and Commission Income Expense | HUF 18.38B | HUF 7.76B | — |
| Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss | HUF 1.18B | -HUF 1.76B | — |
| Gains Losses On Financial Assets At Fair Value Through Profit Or Loss | HUF 2.59B | HUF 2.44B | — |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | -HUF 296.0M | HUF 1.41B | — |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | HUF 1.56B | HUF 959.0M | — |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | -HUF 26.0M | HUF 116.0M | — |
| Income Taxes Paid Refund Classified As Operating Activities | HUF 3.28B | HUF 3.61B | — |
| Increase Decrease In Cash and Cash Equivalents | HUF 160.19B | HUF 409.82B | — |
| Increase Decrease Through Modification of Contractual Cash Flows Financial Assets | -HUF 27.0M | HUF 70.0M | — |
| Increase Decrease Through Sharebased Payment Transactions | HUF 190.0M | -HUF 123.0M | — |
| Increase Decrease Through Transfer To Statutory Reserve | HUF 0 | HUF 0 | — |
| Intangible Assets Other Than Goodwill | HUF 11.71B | HUF 8.25B | HUF 4.70B |
| Interest Expense | HUF 70.53B | HUF 84.04B | — |
| Interest Paid Classified As Operating Activities | HUF 70.68B | HUF 81.92B | — |
| Interest Received Classified As Operating Activities | HUF 103.36B | HUF 118.34B | — |
| Interest Revenue Calculated Using Effective Interest Method | HUF 72.34B | HUF 85.63B | — |
| Interest Revenue Expense | HUF 31.86B | HUF 38.65B | — |
| Issued Capital | HUF 19.22B | HUF 15.39B | HUF 15.39B |
| Liabilities | HUF 1.52T | HUF 1.23T | HUF 1.00T |
| Liabilities Due To Central Banks | HUF 186.51B | HUF 200.78B | HUF 219.70B |
| Loans and Advances To Banks | HUF 88.60B | HUF 53.21B | HUF 49.51B |
| Loans and Receivables | HUF 465.62B | HUF 347.42B | HUF 307.77B |
| Miscellaneous Other Operating Expense | HUF 1.47B | HUF 1.24B | — |
| Miscellaneous Other Operating Income | HUF 1.78B | HUF 1.17B | — |
| Other Assets | HUF 18.37B | HUF 11.89B | HUF 6.71B |
| Other Cash and Cash Equivalents | HUF 32.97B | HUF 22.01B | HUF 27.60B |
| Other Comprehensive Income | -HUF 269.0M | HUF 1.30B | — |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | -HUF 269.0M | HUF 1.30B | — |
| Other Gains Losses | HUF 54.47B | HUF 47.79B | — |
| Other Liabilities | HUF 9.79B | HUF 8.72B | HUF 5.25B |
| Other Reserves | HUF 5.65B | HUF 3.96B | HUF 2.06B |
| Proceeds From Contributions of Noncontrolling Interests | HUF 305.0M | -HUF 421.0M | — |
| Proceeds From Issuing Shares | HUF 3.83B | HUF 0 | — |
| Proceeds From Sale Or Issue of Treasury Shares | HUF 0 | HUF 930.0M | — |
| Proceeds From Sales of Intangible Assets Classified As Investing Activities | HUF 117.0M | HUF 0 | — |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | HUF 1.38B | HUF 0 | — |
| Provisions | HUF 447.0M | HUF 735.0M | HUF 237.0M |
| Reserve of Sharebased Payments | HUF 370.0M | HUF 180.0M | HUF 303.0M |
| Retained Earnings | HUF 52.17B | HUF 34.88B | HUF 16.66B |
| Revenue From Dividends | HUF 2.0M | HUF 61.0M | — |
| Revenue From Interest | HUF 102.39B | HUF 122.69B | — |
| Reversal of Impairment Loss Recognised In Other Comprehensive Income | HUF 1.0M | HUF 1.0M | — |
| Sale Or Issue of Treasury Shares | HUF 47.36B | HUF 0 | — |
| Trading Income Expense On Debt Instruments | HUF 452.0M | HUF 642.0M | — |
| Treasury Shares | HUF 0 | HUF 0 | HUF 0 |
Methodology
Every line item above is a fact tagged in GRÁNIT BANK Nyrt's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (HUF), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.