GRÁNIT Bank Plc.
- Introduction
- Trading data
- Financials
- Shareholders, management
- Publications
- Product features
| Full Name | GRÁNIT Bank Public Limited Company | ||||||
| Short name | GRÁNIT Bank Plc. | ||||||
| Sector | Banking | ||||||
| Contact |
HU-1134 Budapest, Váci út 17.
Phone: -
Fax: -
|
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| Investor Relations | |||||||
| Auditor | K-E-S Audit Kft. (Auditor: Emese Tatár) | ||||||
| Business activity | GRÁNIT Bank Plc. was born digital when it was launched in 2010 (its predecessors date back to 1985) and holds an EU-wide universal commercial banking licence. The Bank combined innovative digital solutions with conservative risk and liquidity management principles in its strategy, thus, it has built a high-quality asset portfolio without a network of branches, through focusing on digital solutions, achieving dynamic growth and cost efficiency above Hungarian banking sector s average. It provides a wide range of financial services to retail and corporate clients. In 2022, GRÁNIT Bank became a banking group by acquiring the majority of shares in Equilor Investments Ltd., and in 2023 acquired an asset management company (since renamed Gránit Asset Management), and in 2024 purchased a financial and an operational leasing company. GRÁNIT Bank as a digital bank aims to enhance its value proposition through integrating the banking group s achievements, broaden services and its product range, to make financial transactions simpler, more convenient and even safer by building on generative and agentic AI technology - while maintaining outstanding cost efficiency, to increase its market share and profitability, to deliver superior customer experience through personalised and digital services, to integrate financial services with other economic activities by creating ecosystems, and to continue the international expansion already underway. | ||||||
| Listed securities of the issuer |
|
| Basic Information | |
|---|---|
| Ticker | GRANIT |
| ISIN | HU0000094149 |
| Date of listing | 25 Nov 2024 |
| Currency of trading | HUF |
| Face Value | 1,000 HUF |
| Number of securities listed | 18,091,889 |
| Market Capitalisation (HUF million) | 151,972 |
| P/BV | |
|---|---|
| P/BV* | 0.89 |
* Calculating based on the capitalisation of the actual series only
| Performance | |
|---|---|
* annualized yield
Key annual data
audited, consolidated, IFRS; Business Year: January 1 - December 31| 20241 | 20251 | |
|---|---|---|
| (million HUF) | (million HUF) | |
| Net interest income | 31,861 | 32,021 |
| Total non-interest income | 22,6122 | 28,5782 |
| Provisions for loans | 1,3923 | 1,6643 |
| Operating Profit (EBIT) | 54,473 | 60,599 |
| Profit before tax | 23,425 | 22,389 |
| Profit after tax | 21,1604 | 19,0494 |
| Dividend per (ordinary) share | 0 HUF | HUF |
| Loans | 465,6205 | 642,9515 |
| Deposits from Customers | 1,187,418 | 1,449,111 |
| Total liabilities | 1,524,655 | 1,698,754 |
| Share capital | 19,223 | 19,223 |
| Shareholders equity | 148,0756 | 165,0186 |
| Total assets | 1,672,730 | 1,863,772 |
| Number of employees (at business year end) | 5927 | 6677 |
- (1) audited, consolidated, IFRS; Business Year: January 1 - December 31
- (2) net fee and commission income + evaluation result + dividend income
- (3) veszteség (+), nettó
- (4) total profit after tax of the bankgroup including the profit of the non-controlling interests
- (5) loans and advances to customers (net)
- (6) total equity of the bankgroup
- (7) average headcount of the employees
Selected financial ratios
Ratios are based on data submitted by the company| 2024 | 2025 | |
|---|---|---|
| Equity Ratio | 10.3 | 10.29 |
| Return on equity (ROE) | 0.14 | 0.12 |
| Return on assets (ROA) | 0.01 | 0.01 |
Mid-year reports
non-audited, consolidated, IFRS; Business Year: January 1 - June 30| Key P&L Figures | Jan 2025 - Jun 20251 | Jan 2026 - Jun 20261 |
|---|---|---|
| (million HUF) | (million HUF) | |
| Net interest income | 15,539 | 16,764 |
| Total non-interest income | 13,2232 | 14,3012 |
| Provisions for loans | 5763 | 6113 |
| Operating profit (EBIT) | 28,762 | 31,065 |
| Profit before tax | 9,249 | 8,219 |
| Profit after tax | 7,7174 | 6,7934 |
| Key Balance Sheet Items | 30 Jun 2025 | 30 Jun 2026 |
|---|---|---|
| (million HUF) | (million HUF) | |
| Placement with other banks | 123,735 | 123,972 |
| Loans | 580,9975 | 625,0875 |
| Tangible assets | 4,2836 | 10,6986 |
| Total assets | 1,678,657 | 1,705,425 |
| Deposits from Banks | 299,9587 | 160,2857 |
| Deposits from Customers | 1,207,907 | 1,339,017 |
| Total liabilities | 1,525,146 | 1,534,675 |
| Shareholders equity | 153,5118 | 170,7508 |
| Share capital | 19,223 | 19,223 |
| Total liabilities and shareholders equity | 1,678,657 | 1,705,425 |
- (1) non-audited, consolidated, IFRS; Business Year: January 1 - June 30
- (2) net fee and commission income + evaluation result + dividend income
- (3) veszteség (+), nettó
- (4) total profit after tax of the bankgroup including the profit of the non-controlling interests
- (5) loans and advances to customers (net)
- (6) propperty, plants and equipments
- (7) liabilities to credit institutions and national bank of hungary
- (8) total equity of the bankgroup
| Shareholders exceeding 5% stake with respect to the listed series | ||
|---|---|---|
| Name | Shareholding (%) | Share piece |
| TiberisDigital Tanácsadó Kft. | 36.98 | 6,690,429 |
| Gránit Bank Munkavállalói Résztulajdonosi Program Szervezet | 34.63 | 6,264,722 |
| Pannónia Nyugdíjpénztár | 6.64 | 1,201,927 |
| Free Float: 21.75% | Last update: 01 Oct 2026 | |
| Note: When determining the Free Float for a particular series, all the securities of the company shall be regarded to be publicly held other than (i) the stock of securities held by holders with direct holdings of more than 5% of the total number of securities, (ii) securities in the possession of custodians, provided the certificate available to the custodian verifies that the particular person holds more than 5% of the total number of securities outstanding belonging to the series. The value of the free float is based on the data provided by the issuer. | ||
| Management | |
|---|---|
| Management Board | Éva HEGEDŰS (chairwoman), Péter Bence JENDROLOVICS, János MAJOR, Judit Dr.TÓTH, István VIDA |
| Management | Éva HEGEDŰS (CEO), Péter Bence JENDROLOVICS (deputy CEO), János MAJOR (deputy CEO), Jenő SIKLÓS (1st deputy CEO), László Balázs HANKISS (deputy CEO), Zoltán NAGY (deputy CEO), Zoltán Béla TÖLGYESI (deputy CEO) |
| Supervisory Board | Sándor NYÚL (chairman), Judit Dr. GUBUZNAI, Márton OLÁH, Szabolcs Gábor TÓTH, Balázs BENCZÉDI |
| Last update: 08 May 2025 | |
Note: Publications of this issuer are available in Hungarian only.
| Publication | News |
|---|---|
| 03 Nov 2026 16:20 | Extraordinary disclosure regarding the third sales round of shares held by the GRÁNIT Bank ESOP Organisation |
| 02 Nov 2026 13:56 | Voting rights, registered capital |
| 20 Oct 2026 16:18 | Extraordinary disclosure regarding the second sales round of shares held by the GRÁNIT Bank Employee Share Ownership Plan Organisation |
| 20 Oct 2026 16:12 | Extraordinary Disclosure |
| 07 Oct 2026 11:19 | Transaction by a Person Closely Associated with a Person Discharging Managerial Responsibilities |
| 07 Oct 2026 11:08 | Announcement pursuant to Section 61 of the Capital Markets Act in connection with a transaction concerning the BDPST Group |
| 01 Oct 2026 11:14 | Voting rights, registered capital |
| 30 Sep 2026 22:20 | GRÁNIT Bank Nyrt. - Féléves jelentés |
| 22 Sep 2026 15:39 | Extraordinary disclosure on GRÁNIT Bank’s consolidated MREL requirement |
| 22 Sep 2026 13:57 | Information on transactions affecting the ownership structure of GRÁNIT Bank Plc. |
| Publication | Report |
|---|---|
| 03 Jun 2026 10:50 | Annual Report of Gránit Bank Plc. for the financial year ended 31 December 2025 |
| 30 Sep 2026 22:20 | GRÁNIT Bank Nyrt. - Féléves jelentés |
| 03 Jun 2026 10:50 | Corporate Governance Declaration |
| Publication | Articles of Association |
|---|---|
| 22 Jun 2026 10:45 | Articles of Associations |
| Publication | Voting rights, registered capital |
|---|---|
| 02 Nov 2026 13:56 | Voting rights, registered capital |
| Publication | Corporate Action Timetable |
|---|---|
| 27 Jan 2026 11:32 | Corporate events calendar for 2026 |
| Name of security | GRÁNIT Bank Nyrt. ordinary share |
| Issuer | GRÁNIT Bank Public Limited Company |
| Equity class | Ordinary share |
| Type of security | Registered |
| Form of security | Dematerialised |
| Code of security (ISIN) | HU0000094149 |
| Ticker symbol | GRANIT |
| Face value | 1,000 HUF |
| Number of securities listed | 18,091,889 |
| Rights to dividends | Full year |
| Listing date | 25 Nov 2024 |
| First Trading Day | 23 Dec 2024 |
| Market | Standard |
| Trading Unit | |
| Currency of trading | HUF |
| Trading time | |
| Listing price | 14,500 |