At standalone level, Gránit Bank closed the year 2025 with HUF 21.4 billion in profit before tax and HUF 19.2 billion in profit after tax, the latter being so far the highest twelve-month result in the Banks’s history, according to the executive summary of the report őublished on the website of the Budapest Stock Exchange.
The outstanding performance was primarily driven by a significant expansion of business activity, excellent cost efficiency, and the globally outstanding quality of the loan portfolio, the report says. The capital increase of HUF 65.6 billion in the year 2024 was successfully converted into robust business growth: net loan portfolio growth was more than six times the sector average, representing a 37.4% year-on-year increase.
The Bank achieved cost efficiency that was twice as good as the industry average (Q4 2025 cost-to-total assets ratio: Gránit Bank 0.91% vs. banking sector 1.87%; cost-to-income ratio: Gránit Bank 38.2% vs. banking sector 45.3%), alongside superior portfolio quality (Q4 2025 NPL ratio: Gránit Bank 0.2% vs. banking sector 2.1%), the Bank continued to expand its product portfolio and introduced pioneering innovations, including agentic and generative AI applications.
Gránit Bank’s standalone profit before tax at year-end of 2025 amounted to HUF 21.4 billion, representing a 18.8% increase compared to the end of the previous year (Q4 2024). At the end of Q4 2025, profit after tax amounted to HUF 19.2 billion, which exceeds the performance of one year earlier Q4 2024 by 23.8%.
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