MDN
GRÁNIT Bank was the first bank in Hungary to adopt a digital business model
A Hungarian brand
GRÁNIT Bank, a wholly Hungarian-owned financial institution, started its activity as a greenfield bank in May 2010 and has now become the fastest growing and most cost-effective bank in Hungary, mainly due to the fact that it was the first to adopt a digital banking business model in Hungary.
Customer experience
Fast, convenient and secure financial services provided on favourable terms, which are easily and simply available anywhere and anytime. This is “The Bank of the Future, Today” concept.
Digital bank
Providing personalised financial services to businesses and individuals through digital channels, in an environmentally friendly way.
Dynamic growth
Dynamic portfolio growth and increasing market share. Six years of profitable operation, constantly growing capital, high cost-efficiency.
GRÁNIT Bank was the first bank in Hungary to adopt a digital business model
A Hungarian brand
GRÁNIT Bank, a wholly Hungarian-owned financial institution, started its activity as a greenfield bank in May 2010 and has now become the fastest growing and most cost-effective bank in Hungary, mainly due to the fact that it was the first to adopt a digital banking business model in Hungary.
Customer experience
Fast, convenient and secure financial services provided on favourable terms, which are easily and simply available anywhere and anytime. This is “The Bank of the Future, Today” concept.
Digital bank
Providing personalised financial services to businesses and individuals through digital channels, in an environmentally friendly way.
Dynamic growth
Dynamic portfolio growth and increasing market share. Six years of profitable operation, constantly growing capital, high cost-efficiency.
Principles and values
GRÁNIT Bank aims to offer its customers cutting-edge online banking solutions and digital financial services to provide an outstanding customer experience in terms of convenience, security and speed, and to be a stable partner for value-added businesses, all this while operating effectively.
  • Innovative, market-leading digital banking services
  • GRÁNIT VideoBank, GRÁNIT eBank application, GRÁNIT Lock function, GRÁNIT Pay and Apple Pay mobile payment
  • Thanks to our digital solutions, we save hundreds of trees every year and reduce pollutant emissions
  • Mutual trust and long-term customer relations
  • Solutions customised to the individual needs of customers
  • Fast, convenient and secure financial services
  • Business-based approach
  • Operational support to customers
  • The owners and management are motivated by increasing the Bank’s shareholder value and customer satisfaction
  • Clean organisation, effective local decision-making
  • Transparent operations; well-structured, predictable and conservative processes
GRÁNIT Bank is a reliable partner for value-adding businesses. The Bank’s innovative digital solutions make banking easier for retail customers.
GRÁNIT BANK’S STRATEGY
Digital financial services and conservative lending
GRÁNIT Bank is the first digital bank in Hungary, offering market-leading solutions which
upon request, can be combined with personal consultancy;
make the management of finances simpler and more convenient;
offer customisability and cost-effective solutions;
GRÁNIT Bank’s Strategy
Developing simple, convenient and cost-effective solutions for retail customers by providing innovative electronic banking and financial services in order to deliver a superior customer experience.
Offering favourable conditions to customers through a cost-effective business model that is based on digital tools and opportunities, ensuring the long-term stable functioning of the bank.
Providing comprehensive financial and funding solutions for corporate clients.
Three Strategic Pillars
Innovative digital banking services
The spreading and potential of smart and mobile devices are bringing the management of finances to a whole new level.
Conservative lending practices
In addition to innovation, conservative and prudent lending is at the heart of the Bank’s operations.
High liquidity, cost-effective operating model
The Bank’s business model ensures high liquidity and cost-effective operations, which translate to permanently favourable conditions for customers.
The Story of GRÁNIT Bank
If you are interested in finding out more about our ten-year history, watch the video below.
Results
Dynamic growth over the last 10 years
Dynamic growth
A balance sheet total of more than HUF 550 billion. An average annual growth of 51%
Stable profit
A profit before tax of nearly HUF 1.5 billion in 2019. Profitable operations for 6 years, increasing the Bank’s capital.
Efficient operation
Nearly 100% high-quality portfolio. Our operating expenses, expressed as a percentage of the balance sheet total, stand at 0.9%, which is significantly lower than the banking sector average of 2.4%
GRÁNIT Bank has excellent liquidity and credit quality as well as a high Capital Adequacy Ratio.
*annual average growth
**preliminary report
The Bank has been able to make a profit 4 years after its foundation
A Capital Adequacy Ratio (CAR) of approx. 14%
Capital Adequacy Ratio is an important financial indicator for the measurement of banks’ available capital, which ensures the comparability of individual banks.
~50% Loan-to-Deposit Ratio (LDR)
Awards
We work steadily to provide the best possible service to our customers and others appreciate this. GRÁNIT Bank has won several awards since its establishment.
If you are interested in finding out more about our Bank, you can view our flippable brochure HERE!
GRÁNIT Bank’s ownership structure
Management

Éva Hegedüs

Chairman & CEO

Jenő Siklós

Deputy CEO

Zoltán Nagy

Deputy CEO

László Hankiss

Deputy CEO

Gergely Horváth

External member

Supervisory Board

Sándor Nyúl

Chairman

János Vokony

Supervisory Board Member

Gyuláné Lajtos

Supervisory Board Member

Division Managers

Zoltán Tölgyesi

Deputy CEO

Corporate Banking Division

Péter Jendrolovics

Managing Director

Retail Banking Division

Zoltán Bede

Managing Director

Treasury

Krisztián Kovács

Managing Director

IT Directorate

Zoltán Somodi

Managing Director

Risk Management