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					Composition of loans extended to the household sector

1. Composition of loan portfolio to households by classification categories

1.1. Housing loan - market-priced and other HUF loans (million HUF)
1.2. Housing loan - subsidized HUF loans (million HUF)
1.3. Housing loan - FX-based loans (million HUF)
1.4. Home equity loan - HUF loans (million HUF)
1.5. Home equity loan - FX-based loans (million HUF)
1.6. Personal loan - HUF loans (million HUF)
1.7. Personal loan - FX-based loans (million HUF)
1.8. Vehicle loan - HUF loans (million HUF)
1.9. Vehicle loan - FX-based loans (million HUF)
1.10. Overdraft credit (million HUF)
1.11. Overdraft credit from which credit card loan (million HUF)
1.12. Hire purchase loan (million HUF)
1.13. Hire purchase loan from which credit card loan (million HUF)
1.14. Other loans (million HUF)
1.15. Total loans (million HUF)



2. Composition of loan portfolio to households by overdue payment


2.1. Housing loan - market-priced and other HUF loans (million HUF)
2.2. Housing loan - subsidized HUF loans (million HUF)
2.3. Housing loan - FX-based loans (million HUF)
2.4. Home equity loan - HUF loans (million HUF)
2.5. Home equity loan - FX-based loans (million HUF)
2.6. Personal loan - HUF loans (million HUF)
2.7. Personal loan - FX-based loans (million HUF)
2.8. Vehicle loan - HUF loans (million HUF)
2.9. Vehicle loan - FX-based loans (million HUF)
2.10. Overdraft credit (million HUF)
2.11. Overdraft credit from which credit card loan (million HUF)
2.12. Hire purchase loan (million HUF)
2.13. Hire purchase loan from which credit card loan (million HUF)
2.14. Other loans (million HUF)
2.15. Total loans (million HUF)



3. Composition of housing loan and home equity loan disbursed in the reporting quarter by loan-to-value (LTV) a


3.1. Housing loan - Loans disbursed in the reporting quarter - market-priced and other HUF loans
3.2.   Housing loan - Loans disbursed in the reporting quarter - subsidized HUF loans
3.3.   Housing loan - Loans disbursed in the reporting quarter - FX-based loans
3.4.   Home equity loan - Loans disbursed in the reporting quarter - HUF loans
3.5.   Home equity loan - Loans disbursed in the reporting quarter - FX-based loans
4. Composition of outstanding amount of housing loan and home equity loan at the end of the reporting quarter


4.1.   Housing loan - Outstanding amount at the end of the the reporting quarter - market-priced and other HUF loans
4.2.   Housing loan - Outstanding amount at the end of the reporting quarter - subsidized HUF loans (million HUF)
4.3.   Housing loan - Outstanding amount at the end of the reporting quarter - FX-based loans (million HUF)
4.4.   Home equity loan - Outstanding amount at the end of the reporting quarter - HUF loans (million HUF)
4.5.   Home equity loan - Outstanding amount at the end of the reporting quarter - FX-based loans (million HUF)
egories




                                  Notes
                              1
                                  From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous perio
                              2
                                  The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt res




the reporting quarter by loan-to-value (LTV) and purposes                                  Notes
                                                                                       1
                                                                                           As a result of the financial crisis, loan origination data are su
                                                                                       2
-priced and other HUF loans                                                                From 2011, the method of calculating the loan-to-value (LTV)
                                                                                           in contrast to previous periods, the current market value of t
                                                                                           This has caused a break in the data series, with LTVs becomin
UF loans
 -based loans
quity loan at the end of the reporting quarter by loan-to-value (LTV)       Notes
                                                                        1
                                                                            From 2011, the method of calculating the loan-to-value (LTV)
ng quarter - market-priced and other HUF loans (million HUF)                in contrast to previous periods, the current market value of t
uarter - subsidized HUF loans (million HUF)                                 This has caused a break in the data series, with LTVs becomin
uarter - FX-based loans (million HUF)
ing quarter - HUF loans (million HUF)
ing quarter - FX-based loans (million HUF)
dividual contracts, in contrast to previous periods, when data were aggregated by types of loan.
wn by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)




the financial crisis, loan origination data are subject to greater-than-usual uncertainty.
 e method of calculating the loan-to-value (LTV) ratio has changed:
 previous periods, the current market value of the property has replaced the collateral value in determining the value of the property used as collat
ed a break in the data series, with LTVs becoming lower as a result of the new calculation method.
 e method of calculating the loan-to-value (LTV) ratio has changed:
 previous periods, the current market value of the property has replaced the collateral value in determining the value of the property used as collat
ed a break in the data series, with LTVs becoming lower as a result of the new calculation method.
rmining the value of the property used as collateral for the loan.
rmining the value of the property used as collateral for the loan.
1. Composition of loan portfolio to households by classification categories

1.1. Housing loan - market-priced and other HUF loans (million HUF)


   Date     Problem - free            To be watched                         Substandard                          Doubtful                         Bad                         Total

                                  gross             net             gross                 net           gross               net           gross         net           gross           net
 2009.03            100,123            6,998              5,535          1,811                  1,275           2,603             1,355        4,293            643     115,828        108,931
 2009.06            101,667            7,404              6,244          2,104                  1,551           3,524             1,995        4,971            940     119,670        112,397
 2009.09            106,810            7,627              6,029          3,461                  2,682           3,933             2,110        7,055          1,341     128,886        118,972
 2009.12            103,695            6,900              5,464          4,305                  3,399           3,360             1,777        8,095          1,461     126,355        115,796
 2010.03            101,339            8,792              7,343          1,790                  1,196           3,456             1,772        8,712          1,554     124,089        113,204
 2010.06            130,142           11,440              9,730          1,413                    898           4,334             2,166        9,053          1,385     156,382        144,321
 2010.09            173,580            8,969              7,777          8,263                  6,616           4,173             2,249        9,953          1,216     204,938        191,438
 2010.12            214,611            8,639              7,325          9,957                  7,783           3,913             2,138       12,155          1,426     249,275        233,283
 2011.03            243,192           10,667              8,978         10,544                  8,412           3,831             2,038       11,670          1,483     279,904        264,103
1. Composition of loan portfolio to households by classification categories

1.2. Housing loan - subsidized HUF loans (million HUF)


   Date     Problem - free            To be watched                         Substandard                       Doubtful                            Bad                         Total

                                  gross             net             gross                 net        gross               net           gross            net           gross           net
 2009.03          1,249,187           23,153           22,246            4,008               3,162           3,916             2,681           1,769            753   1,282,033       1,278,029
 2009.06          1,236,049           22,831           21,905            4,766               3,775           4,961             3,497           2,081            948   1,270,688       1,266,174
 2009.09          1,224,639           22,299           21,729            6,444               5,172           5,291             3,778           2,797          1,332   1,261,470       1,256,650
 2009.12          1,207,438           25,841           24,452            6,671               5,295           4,582             3,314           2,997          1,434   1,247,529       1,241,933
 2010.03          1,190,402           25,139           23,175            6,501               5,083           4,572             3,293           2,634            877   1,229,248       1,222,830
 2010.06          1,147,168           38,685           36,099            7,758               6,080           5,513             3,787           2,809          1,189   1,201,933       1,194,323
 2010.09          1,116,668           36,201           34,719            9,944               7,918           6,593             4,386           3,857          1,275   1,173,263       1,164,966
 2010.12          1,085,126           38,573           37,338           14,044              11,481           3,852             2,639           3,959          1,022   1,145,554       1,137,606
 2011.03          1,054,107           41,277           40,052           16,326              13,245           3,523             2,407           2,706          1,131   1,117,939       1,110,942
1. Composition of loan portfolio to households by classification categories

1.3. Housing loan - FX-based loans (million HUF)


   Date     Problem - free            To be watched                         Substandard                      Doubtful                      Bad                         Total

                                  gross             net             gross                 net        gross              net        gross         net           gross           net
 2009.03          2,546,661          128,578          125,284          36,132               29,274       20,127           12,572        7,080          1,722   2,738,578       2,715,513
 2009.06          2,233,228          118,929          115,552          33,395               26,919       21,078           13,425        7,515          2,434   2,414,145       2,391,558
 2009.09          2,228,537          111,420          108,610          53,532               43,776       26,838           17,476        6,690          3,403   2,427,017       2,401,802
 2009.12          2,189,020          173,607          168,824          60,573               49,008       30,266           18,944        7,683          3,836   2,461,149       2,429,632
 2010.03          2,193,947          207,669          200,089          47,812               37,040       32,908           20,579        8,035          3,031   2,490,371       2,454,686
 2010.06          2,421,084          318,025          306,951          53,091               40,727       42,958           25,049       10,064          4,305   2,845,222       2,798,116
 2010.09          2,243,700          307,839          297,206          75,778               60,090       57,101           35,202       12,845          6,594   2,697,263       2,642,792
 2010.12          2,272,086          354,417          340,751         110,480               89,823       66,735           40,638       14,948          6,896   2,818,666       2,750,194
 2011.03          2,031,173          326,233          313,973         120,034               95,273       56,531           33,476       15,340          6,404   2,549,311       2,480,299
1. Composition of loan portfolio to households by classification categories

1.4. Home equity loan - HUF loans (million HUF)


   Date     Problem - free            To be watched                         Substandard                       Doubtful                            Bad                         Total

                                  gross             net             gross                 net        gross               net           gross            net           gross           net
 2009.03             10,214               2,140           2,039            518                 403           2,028             1,208           1,173             67      16,073         13,931
 2009.06             11,196               3,117           2,985            693                 552           3,160             1,893             573             96      18,739         16,722
 2009.09             11,863               1,561           1,520          3,535               3,014           4,894             2,918           1,219            240      23,072         19,555
 2009.12             15,542               1,624           1,577          4,999               4,260           4,288             2,655             988            216      27,441         24,250
 2010.03             27,770               1,767           1,684          5,017               4,384           4,712             2,652           2,654            560      41,920         37,050
 2010.06             57,011               2,635           2,464          5,883               5,204           5,317             2,838           3,652            841      74,498         68,358
 2010.09             86,426               4,267           4,143         10,129               8,331           5,006             2,886           6,016          1,117     111,844        102,903
 2010.12            115,345               6,961           6,416         12,455               9,774           5,660             3,188           7,452          1,410     147,873        136,133
 2011.03            132,323               9,662           9,406         13,358              10,680           5,564             3,155           8,909          1,722     169,816        157,286
1. Composition of loan portfolio to households by classification categories

1.5. Home equity loan - FX-based loans (million HUF)


   Date     Problem - free            To be watched                         Substandard                      Doubtful                      Bad                      Total

                                  gross             net             gross                 net        gross              net        gross         net        gross           net
 2009.03          2,011,165          194,353           190,253         46,086               37,802      31,762            21,967        8,358       5,224   2,291,724       2,266,411
 2009.06          1,731,653          178,838           175,067         44,715               36,104      36,175            26,113       12,304       8,975   2,003,685       1,977,912
 2009.09          1,705,746          164,574           161,418         80,783               66,410      38,969            26,596       13,611      10,434   2,003,683       1,970,604
 2009.12          1,632,666          246,629           238,891         94,752               77,201      42,110            28,857       15,514      10,241   2,031,671       1,987,856
 2010.03          1,625,013          255,988           246,830        110,873               89,987      49,087            32,289       19,104       8,094   2,060,065       2,002,213
 2010.06          1,709,610          395,256           381,550        136,622              110,115      79,448            47,783       26,957      12,120   2,347,893       2,261,178
 2010.09          1,548,278          387,572           370,839        141,625              112,603     102,286            62,697       31,620      13,445   2,211,381       2,107,862
 2010.12          1,555,828          435,845           415,267        168,255              135,719     107,787            66,818       42,830      16,169   2,310,545       2,189,801
 2011.03          1,372,922          407,134           388,745        162,686              130,514     106,534            66,206       41,898      15,624   2,091,174       1,974,011
1. Composition of loan portfolio to households by classification categories

1.6. Personal loan - HUF loans (million HUF)


   Date     Problem - free            To be watched                         Substandard                          Doubtful                         Bad                         Total

                                  gross             net             gross                 net           gross               net           gross         net           gross           net
 2009.03            194,796           14,136           13,075               6,682               5,381           5,231             2,443       17,338            591     238,183        216,286
 2009.06            196,909           14,650           13,498               6,744               5,419           8,507             3,794       18,704            435     245,514        220,055
 2009.09            203,862           15,541           14,466               6,287               5,042           6,548             2,888       23,873            905     256,111        227,163
 2009.12            200,461           20,075           18,504               6,754               5,156           6,699             2,776       26,682            919     260,671        227,816
 2010.03            195,586           20,777           19,505               8,318               6,669           8,298             3,623       31,316          1,165     264,295        226,548
 2010.06            198,027           19,601           18,219               7,553               6,052           9,038             4,044       33,777          1,173     267,996        227,515
 2010.09            197,516           17,817           16,861               7,542               6,049           7,803             3,649       38,422          1,826     269,100        225,901
 2010.12            198,782           14,986           13,395               7,425               5,778           6,953             3,792       39,635          2,088     267,781        223,835
 2011.03            196,928           15,264           13,740               7,579               6,068           8,205             4,563       41,923          2,255     269,899        223,554
1. Composition of loan portfolio to households by classification categories

1.7. Personal loan - FX-based loans (million HUF)


   Date     Problem - free            To be watched                         Substandard                         Doubtful                         Bad                         Total

                                  gross             net             gross                 net           gross              net           gross         net           gross           net
 2009.03            255,603           27,332           26,964           11,561                  9,792       14,866               6,943        7,016            578     316,378        299,880
 2009.06            201,502           20,787           20,178            9,632                  7,981       17,138               6,967        6,929            309     255,988        236,937
 2009.09            175,231           26,938           25,729            8,338                  6,445       15,465               6,073        8,878            467     234,850        213,945
 2009.12            159,496           28,747           27,782            8,026                  6,072       10,826               4,159       13,071          1,114     220,166        198,623
 2010.03            148,080           27,970           27,026            8,145                  6,514       10,513               4,296       11,728            967     206,436        186,883
 2010.06            151,314           31,905           30,871            8,066                  6,548       10,923               4,831       16,601          1,467     218,809        195,031
 2010.09            134,313           26,295           25,763            6,176                  5,336        9,559               5,872       15,909          2,901     192,252        174,185
 2010.12            134,195           18,007           16,698            7,189                  5,831        7,927               4,452       15,157          2,370     182,475        163,546
 2011.03            109,364           16,273           14,723            5,842                  4,843        7,132               3,724       13,833          2,178     152,444        134,832
1. Composition of loan portfolio to households by classification categories

1.8. Vehicle loan - HUF loans (million HUF)


   Date     Problem - free            To be watched                         Substandard                       Doubtful                       Bad                       Total

                                  gross             net             gross                 net         gross              net         gross         net         gross           net
 2009.03              7,574               378             344               1,031               806           387              179        7,721          299       17,091         9,202
 2009.06              6,553               555             525               1,091               826           665              329       12,021          719       20,885         8,952
 2009.09              6,093               325             306                 759               556           942              487       13,818          707       21,937         8,149
 2009.12              5,730               433             391                 386               277           540              249       16,015          702       23,104         7,349
 2010.03              6,837               402             365                 546               412           596              304       17,200          530       25,581         8,448
 2010.06              8,318               396             372                 782               585           510              262       19,024          742       29,030        10,279
 2010.09              9,716               420             401                 958               711           737              375       20,425          772       32,256        11,975
 2010.12             10,293               512             452                 925               661           586              241       23,228          817       35,544        12,464
 2011.03             11,279               483             445               1,086               810           629              327       25,043          832       38,520        13,693
1. Composition of loan portfolio to households by classification categories

1.9. Vehicle loan - FX-based loans (million HUF)


   Date     Problem - free            To be watched                         Substandard                       Doubtful                            Bad                       Total

                                  gross             net             gross                 net        gross               net           gross            net         gross           net
 2009.03            295,970           16,353           15,690           13,098              10,187           6,756             3,711           5,239          390     337,416        325,948
 2009.06            244,072           13,964           13,457           14,033              10,872           7,647             4,174           2,729           93     282,445        272,668
 2009.09            233,186           13,606           13,054           11,653               8,761           9,461             5,124           3,326           99     271,232        260,224
 2009.12            203,255           40,507           39,554            8,652               6,783           7,206             3,716           4,008           65     263,628        253,373
 2010.03            206,540           27,930           27,227           10,827               8,441           6,327             3,307           4,332           68     255,956        245,583
 2010.06            224,651           20,255           19,566           21,855              17,124           8,407             4,190           5,067          683     280,235        266,214
 2010.09            200,834           17,941           17,360           21,450              16,635           9,541             5,203           4,924          688     254,690        240,720
 2010.12            199,776           17,565           16,955           21,806              16,917           9,803             4,884           5,607          837     254,557        239,369
 2011.03            170,056           15,387           14,821           20,052              15,554           8,149             3,994           6,047          960     219,691        205,385
1. Composition of loan portfolio to households by classification categories

1.10. Overdraft credit (million HUF)


   Date     Problem - free             To be watched                        Substandard                      Doubtful                      Bad                         Total

                                  gross             net             gross                 net        gross              net        gross         net           gross           net
 2009.03            297,919            19,185          18,386           14,650              12,295       10,073            4,817       21,340          1,480     363,167        334,897
 2009.06            300,098            20,760          19,461           24,515              19,922       14,658            6,669       27,373          1,202     387,404        347,352
 2009.09            302,101            21,963          20,423           28,200              22,229       17,137            8,385       38,218          1,673     407,619        354,811
 2009.12            283,764            22,160          20,096           32,345              24,374       18,671            9,153       41,740          2,260     398,680        339,647
 2010.03            298,481            20,486          18,557           37,000              27,884       20,871            9,872       45,745          1,972     422,583        356,766
 2010.06            300,101            22,031          19,638           38,227              28,733       18,228            9,519       52,706          2,741     431,293        360,732
 2010.09            306,128            27,043          23,533           27,110              17,378       31,080           14,790       55,591          2,276     446,952        364,105
 2010.12            308,338            15,339          11,490           33,499              24,771       34,071           16,501       54,272          2,484     445,519        363,584
 2011.03            312,825            16,921          14,087           21,651              15,850       47,223           22,915       57,275          2,516     455,895        368,193
1. Composition of loan portfolio to households by classification categories

1.11. Overdraft credit from which credit card loan (million HUF)


   Date     Problem - free            To be watched                         Substandard                          Doubtful                         Bad                         Total

                                  gross             net             gross                 net           gross               net           gross         net           gross           net
 2009.03            154,297           13,687           12,961               7,070               5,880           6,854             3,409       13,209          1,202     195,117        177,749
 2009.06            151,329           14,376           13,107               6,958               5,483           9,390             4,189       15,730          1,017     197,783        175,125
 2009.09            146,596           14,887           13,573               6,835               5,346           7,472             3,231       21,165          1,281     196,955        170,027
 2009.12            145,321           16,021           14,138               5,959               4,501           8,218             3,348       23,106          1,348     198,625        168,656
 2010.03            137,966           16,239           14,506               6,093               4,594           8,169             3,463       24,752          1,442     193,219        161,971
 2010.06            143,397           15,801           13,588               4,608               3,420           7,060             3,100       29,589          1,845     200,455        165,350
 2010.09            148,564           13,994           11,394               4,343               3,090           7,540             3,359       30,159          1,343     204,600        167,750
 2010.12            157,716            9,075            6,522               5,487               3,997           4,969             2,272       31,398          1,816     208,645        172,323
 2011.03            155,783           10,929            8,603               4,990               3,554           5,815             2,229       31,943          1,567     209,460        171,736
1. Composition of loan portfolio to households by classification categories

1.12. Hire purchase loan (million HUF)


   Date     Problem - free            To be watched                         Substandard                          Doubtful                          Bad                         Total

                                  gross             net             gross                 net           gross               net         gross            net           gross           net
 2009.03             52,045               4,052           3,627             1,332               1,053           1,090             538           6,347            752       64,866        58,015
 2009.06             55,829               3,870           3,566             1,264               1,009           1,141             587           6,647            819       68,751        61,810
 2009.09             62,824               3,610           3,276             1,167                 927           1,035             512           7,407            920       76,043        68,459
 2009.12             70,051               3,210           2,932               995                 832           1,348             474           8,284          1,961       83,888        76,250
 2010.03             65,906               2,862           2,633               924                 759             743             354           7,496            648       77,931        70,300
 2010.06             62,293               2,907           2,647               806                 641             656             323           7,716            688       74,378        66,592
 2010.09             57,430               2,792           2,498               777                 625             623             311           7,859          1,502       69,481        62,366
 2010.12             55,594               2,792           2,528               645                 498             574             319           8,166            273       67,771        59,212
 2011.03             48,939               2,782           2,399               677                 527             696             362           7,470            237       60,564        52,464
1. Composition of loan portfolio to households by classification categories

1.13. Hire purchase loan from which credit card loan (million HUF)


   Date     Problem - free            To be watched                          Substandard                       Doubtful                          Bad                       Total

                                  gross             net              gross                 net         gross              net         gross            net         gross           net
 2009.03              7,432               1,623           1,464               484                389           284              141           1,799            0       11,622            9,426
 2009.06              7,020               1,755           1,581               497                397           366              190           2,700          331       12,338            9,519
 2009.09              7,147               1,811           1,630               470                374           288              146           3,124          349       12,840            9,646
 2009.12              7,306               1,710           1,525               442                352           278              121           3,362           86       13,098            9,390
 2010.03              7,155               1,519           1,366               443                354           260              130           3,577           80       12,954            9,085
 2010.06              7,156               1,441           1,297               392                313           221              110           3,798           78       13,008            8,954
 2010.09              6,950               1,459           1,312               383                305           206              103           3,957           78       12,955            8,748
 2010.12              6,899               1,397           1,257               344                275           196               98           3,587            0       12,423            8,529
 2011.03              6,512               1,311           1,180               393                314           217              109           3,711            0       12,144            8,115
1. Composition of loan portfolio to households by classification categories

1.14. Other loans (million HUF)


   Date     Problem - free            To be watched                         Substandard                      Doubtful                      Bad                      Total

                                  gross             net             gross                 net        gross              net        gross         net        gross           net
 2009.03            202,489           37,992           35,258           16,639              13,984       18,206            9,467       12,827       1,227     288,153        262,425
 2009.06            169,333           36,728           34,274           15,996              13,268       26,487           13,389       13,400         934     261,944        231,198
 2009.09            166,608           32,551           30,727           16,630              13,856       34,929           20,169       15,572       5,146     266,290        236,506
 2009.12            156,958           29,009           27,637           17,476              14,039       36,677           21,047       22,609      11,335     262,729        231,016
 2010.03            144,574           40,760           38,811           17,235              14,347       36,105           20,895       12,506       1,195     251,180        219,822
 2010.06            142,264           56,847           54,574           17,445              14,462       37,586           22,210       11,463         915     265,605        234,425
 2010.09            139,021           49,222           47,114           13,911              11,613       27,677           16,125       12,351       1,421     242,182        215,294
 2010.12            123,703           36,369           34,523           23,049              18,129       22,151           12,939        9,153         911     214,425        190,205
 2011.03            124,522           29,347           28,127           17,957              13,865       11,190            6,084        9,419         939     192,435        173,537
1. Composition of loan portfolio to households by classification categories

1.15. Total loans (million HUF)


   Date     Problem - free            To be watched                         Substandard                      Doubtful                      Bad                      Total

                                  gross             net             gross                 net        gross              net        gross         net        gross           net
 2009.03          7,223,746          474,650          458,701         153,548              125,414     117,045            67,881     100,501       13,726   8,069,490       7,889,468
 2009.06          6,488,089          442,433          426,712         158,948              128,198     145,141            82,832     115,247       17,904   7,349,858       7,143,735
 2009.09          6,427,500          422,015          407,287         220,789              178,870     165,442            96,516     142,464       26,667   7,378,210       7,136,840
 2009.12          6,228,076          598,742          576,104         245,934              196,696     166,573            97,121     167,686       35,544   7,407,011       7,133,541
 2010.03          6,204,475          640,542          613,245         254,988              202,716     178,188           103,236     171,462       20,661   7,449,655       7,144,333
 2010.06          6,551,983          919,983          882,681         299,501              237,169     222,918           127,002     198,889       28,249   8,193,274       7,827,084
 2010.09          6,213,610          886,378          848,214         323,663              253,905     262,179           153,745     219,772       35,033   7,905,602       7,504,507
 2010.12          6,273,677          950,005          903,138         409,729              327,165     270,012           158,549     236,562       36,703   8,139,985       7,699,232
 2011.03          5,807,630          891,430          849,496         397,792              315,641     259,207           149,251     241,533       36,281   7,597,592       7,158,299
      2. Composition of loan portfolio to households by overdue payment

      2.1. Housing loan - market-priced and other HUF loans (million HUF)


           Date        Loans with no overdue payment         Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue              181-365 days overdue            More than 1 year overdue


                                          from which:                       from which:                          from which:                      from which:                       from which:                       from which:
                           total                               total                             total                            total                             total                             total                            total
                                          restructured                      restructured                         restructured                     restructured                      restructured                      restructured

          2009.03              91,638                               7,086                                2,723                            1,000                             1,462                             2,056                         9,863
          2009.06              93,012                               7,995                                1,997                            1,244                             2,063                             2,670                        10,689
          2009.09              99,884                               8,764                                1,869                            1,159                             1,964                             3,583                        11,663
          2009.12              93,991                               7,155                                4,096                            1,005                             1,696                             4,027                        14,385
          2010.03              88,749                              11,118                                2,249                            1,098                             1,684                             3,333                        15,858
          2010.06             114,785                              15,815                                2,106                            1,108                             1,320                             2,605                        18,643
          2010.09             154,111                              20,928                                2,099                            1,447                             1,963                             2,699                        21,691
          2010.12             204,801                               8,841                                4,479                            1,399                             2,313                             2,795                        24,647
1.2
          2011.03             234,334              2,046           11,198                321             2,694             171            2,060              98             2,228             168             3,139             318        24,251



                                         Notes
                                     1
                                         From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                     2
                                         The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue              Total


         from which:                 from which:
                         total
         restructured                restructured

                           115,828               0
                           119,670               0
                           128,886               0
                           126,355               0
                           124,089               0
                           156,382               0
                           204,938               0
                           249,275               0
                 1,541     279,904           4,663
      2. Composition of loan portfolio to households by overdue payment

      2.2. Housing loan - subsidized HUF loans (million HUF)


           Date        Loans with no overdue payment         Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue              181-365 days overdue            More than 1 year overdue


                                          from which:                       from which:                       from which:                       from which:                      from which:                          from which:
                            total                              total                             total                            total                             total                             total                            total
                                          restructured                      restructured                      restructured                      restructured                     restructured                         restructured

          2009.03           1,194,118                              43,189                            22,108                            7,657                             4,588                                4,295                         6,078
          2009.06           1,181,216                              54,851                             5,334                           10,308                             7,573                                5,199                         6,207
          2009.09           1,169,905                              51,965                             5,672                           10,871                             8,984                                5,288                         8,785
          2009.12           1,159,236                              38,539                            20,268                            7,716                             7,406                                4,311                        10,053
          2010.03           1,100,711                              64,375                            35,475                            6,829                             6,470                                4,656                        10,732
          2010.06           1,071,760                              84,120                             8,493                           12,445                             9,408                                4,975                        10,732
          2010.09           1,035,394                              87,866                             9,309                           11,392                            11,771                                5,279                        12,252
          2010.12           1,038,636                              43,767                            24,911                           10,711                            10,270                                5,320                        11,939
1.2
          2011.03           1,019,652             10,665           53,629            2,397           16,589            1,027           8,047              946            5,953              729               4,028             501        10,041



                                         Notes
                                     1
                                         From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                     2
                                         The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue                 Total


         from which:                    from which:
                            total
         restructured                   restructured

                            1,282,033               0
                            1,270,688               0
                            1,261,470               0
                            1,247,529               0
                            1,229,248               0
                            1,201,933               0
                            1,173,263               0
                            1,145,554               0
                      163   1,117,939          16,428
      2. Composition of loan portfolio to households by overdue payment

      2.3. Housing loan - FX-based loans (million HUF)


           Date        Loans with no overdue payment         Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue              181-365 days overdue         More than 1 year overdue


                                          from which:                       from which:                       from which:                       from which:                      from which:                       from which:
                            total                              total                             total                            total                             total                             total                         total
                                          restructured                      restructured                      restructured                      restructured                     restructured                      restructured

          2009.03           2,386,511                             217,821                            32,510                           34,022                            30,687                            20,074                        16,953
          2009.06           2,085,555                             193,236                            26,360                           31,659                            33,849                            27,421                        16,065
          2009.09           2,083,763                             191,215                            27,523                           33,982                            34,074                            34,697                        21,763
          2009.12           2,104,016                             191,697                            40,134                           21,868                            34,435                            35,707                        33,292
          2010.03           1,847,753                             418,989                            65,122                           31,706                            41,053                            41,197                        44,551
          2010.06           2,044,233                             533,099                            73,002                           39,197                            49,329                            52,402                        53,960
          2010.09           1,897,492                             514,185                            76,169                           38,441                            57,697                            52,225                        61,054
          2010.12           2,169,780                             348,366                            78,435                           36,486                            55,089                            57,100                        73,410
1.2
          2011.03           1,996,622            151,090          255,026           39,080           72,943            14,339         46,381             9,815          53,775           15,547           48,930          15,268        75,634



                                         Notes
                                     1
                                         From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                     2
                                         The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue              Total


         from which:                 from which:
                         total
         restructured                restructured

                         2,738,578               0
                         2,414,145               0
                         2,427,017               0
                         2,461,149               0
                         2,490,371               0
                         2,845,222               0
                         2,697,263               0
                         2,818,666               0
                 5,386   2,549,311         250,525
      2. Composition of loan portfolio to households by overdue payment

      2.4. Home equity loan - HUF loans (million HUF)


           Date        Loans with no overdue payment        Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue              181-365 days overdue            More than 1 year overdue


                                         from which:                          from which:                       from which:                      from which:                       from which:                       from which:
                           total                              total                             total                            total                             total                             total                            total
                                         restructured                         restructured                      restructured                     restructured                      restructured                      restructured

          2009.03               9,881                                 1,289                               810                              386                               428                             1,329                         1,950
          2009.06              10,052                                 1,594                               772                              608                               667                             1,648                         3,398
          2009.09              10,954                                 1,331                               414                              543                             1,080                             3,648                         5,102
          2009.12              14,594                                 1,653                               818                              373                               526                             3,344                         6,133
          2010.03              25,639                                 2,368                               841                              449                               821                             2,677                         9,125
          2010.06              52,906                                 5,303                               724                              516                               664                             2,436                        11,949
          2010.09              79,987                                 8,962                             1,286                            1,017                             1,219                             3,151                        16,222
          2010.12             111,902                                 8,265                             1,918                            1,166                             2,020                             3,005                        19,597
1.2
          2011.03             129,748             4,340               9,842             718             2,401             349            1,351             293             2,498             569             3,440             867        20,536



                                        Notes
                                    1
                                        From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                    2
                                        The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue              Total


         from which:                 from which:
                         total
         restructured                restructured

                            16,073               0
                            18,739               0
                            23,072               0
                            27,441               0
                            41,920               0
                            74,498               0
                           111,844               0
                           147,873               0
                 4,087     169,816          11,223
      2. Composition of loan portfolio to households by overdue payment

      2.5. Home equity loan - FX-based loans (million HUF)


           Date        Loans with no overdue payment         Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue              181-365 days overdue         More than 1 year overdue


                                          from which:                       from which:                       from which:                       from which:                      from which:                       from which:
                           total                               total                             total                            total                             total                             total                         total
                                          restructured                      restructured                      restructured                      restructured                     restructured                      restructured

          2009.03           1,784,063                             295,483                           61,107                            57,734                            51,934                            23,983                        17,420
          2009.06           1,538,344                             246,151                           52,576                            53,005                            59,480                            36,990                        17,139
          2009.09           1,529,257                             232,049                           53,714                            53,948                            60,483                            51,852                        22,380
          2009.12           1,528,313                             245,005                           68,611                            35,859                            59,034                            54,130                        40,719
          2010.03           1,388,553                             347,729                           94,183                            47,204                            65,121                            59,648                        57,627
          2010.06           1,461,500                             480,713                          108,925                            62,665                            81,182                            73,740                        79,168
          2010.09           1,331,350                             446,791                          106,835                            59,119                            98,463                            76,815                        92,008
          2010.12           1,477,979                             383,304                          102,690                            52,999                            95,867                            82,411                       115,295
1.2
          2011.03           1,363,783            180,389          294,321           65,946          96,597             27,725         57,345             16,552         87,848           30,476           77,052          31,488       114,228



                                         Notes
                                     1
                                         From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                     2
                                         The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue              Total


         from which:                 from which:
                         total
         restructured                restructured

                         2,291,724               0
                         2,003,685               0
                         2,003,683               0
                         2,031,671               0
                         2,060,065               0
                         2,347,893               0
                         2,211,381               0
                         2,310,545               0
                13,952   2,091,174         366,528
      2. Composition of loan portfolio to households by overdue payment

      2.6. Personal loan - HUF loans (million HUF)


           Date        Loans with no overdue payment         Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue              181-365 days overdue           More than 1 year overdue


                                          from which:                       from which:                          from which:                      from which:                       from which:                    from which:
                            total                              total                             total                            total                             total                             total                           total
                                          restructured                      restructured                         restructured                     restructured                      restructured                   restructured

          2009.03             175,224                              28,862                                6,395                            7,986                             6,503                          3,953                           9,260
          2009.06             177,095                              30,403                                6,315                            8,380                             8,316                          4,872                          10,133
          2009.09             182,932                              32,662                                5,753                            7,384                             8,583                          7,351                          11,446
          2009.12             185,766                              30,470                                5,816                            7,715                             7,669                         13,081                          10,154
          2010.03             171,498                              40,065                                7,538                            7,741                             8,864                         16,850                          11,739
          2010.06             175,084                              40,140                                6,841                            7,288                             8,628                         10,769                          19,246
          2010.09             172,949                              47,487                                6,601                            7,324                             9,487                          9,029                          16,223
          2010.12             179,612                              33,718                                6,571                            6,095                             7,253                          9,211                          25,321
1.2
          2011.03             182,857              8,591           30,820            5,032               7,335           1,697            5,100           1,368             7,307           2,174          7,996             3,386        28,484



                                         Notes
                                     1
                                         From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                     2
                                         The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue              Total


         from which:                 from which:
                         total
         restructured                restructured

                           238,183               0
                           245,514               0
                           256,111               0
                           260,671               0
                           264,295               0
                           267,996               0
                           269,100               0
                           267,781               0
                 2,225     269,899          24,473
      2. Composition of loan portfolio to households by overdue payment

      2.7. Personal loan - FX-based loans (million HUF)


           Date        Loans with no overdue payment         Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue              181-365 days overdue            More than 1 year overdue


                                          from which:                       from which:                       from which:                       from which:                      from which:                          from which:
                            total                              total                             total                            total                             total                             total                            total
                                          restructured                      restructured                      restructured                      restructured                     restructured                         restructured

          2009.03             205,581                              56,463                            20,451                           10,894                            13,854                                6,129                         3,006
          2009.06             160,050                              51,838                            13,884                            8,718                            12,760                                6,530                         2,208
          2009.09             147,453                              43,016                            16,668                            7,001                            10,421                                7,242                         3,049
          2009.12             139,094                              42,778                            11,311                            5,410                             8,389                                7,214                         5,970
          2010.03             119,190                              50,548                             8,729                            5,981                             8,191                                6,815                         6,982
          2010.06             112,799                              59,357                            14,624                            6,070                             9,291                                8,343                         8,325
          2010.09             107,680                              38,661                            16,298                            4,513                             7,903                                7,068                        10,129
          2010.12             101,055                              40,568                            14,007                            4,592                             6,725                                5,387                        10,141
1.2
          2011.03              93,296              8,309           24,730            4,544           13,166            3,846           2,526              787            5,489             1,921              3,676             895         9,561



                                         Notes
                                     1
                                         From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                     2
                                         The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue                 Total


         from which:                    from which:
                            total
         restructured                   restructured

                              316,378               0
                              255,988               0
                              234,850               0
                              220,166               0
                              206,436               0
                              218,809               0
                              192,252               0
                              182,475               0
                      922     152,444          21,224
      2. Composition of loan portfolio to households by overdue payment

      2.8. Vehicle loan - HUF loans (million HUF)


           Date        Loans with no overdue payment         Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue              181-365 days overdue            More than 1 year overdue


                                          from which:                          from which:                     from which:                      from which:                         from which:                       from which:
                            total                              total                             total                            total                             total                             total                            total
                                          restructured                         restructured                    restructured                     restructured                        restructured                      restructured

          2009.03                7,992                                   808                             336                              205                                 764                             1,327                         5,659
          2009.06                7,338                                   915                             402                              321                               1,050                             4,628                         6,231
          2009.09                6,521                                   946                             341                              322                                 947                             3,442                         9,418
          2009.12                6,800                                   749                             336                              239                                 687                             3,623                        10,670
          2010.03                7,431                                   823                             371                              243                                 651                             2,883                        13,179
          2010.06                9,202                                   932                             317                              228                                 893                             2,371                        15,087
          2010.09               10,474                                 1,991                             355                              203                                 846                             2,531                        15,856
          2010.12               12,472                                   890                             348                              170                               1,705                             3,143                        16,816
1.2
          2011.03               10,378               120               2,683              99             737              88              486              74               1,318             549             3,590           1,689        19,328



                                         Notes
                                     1
                                         From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                     2
                                         The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue              Total


         from which:                 from which:
                         total
         restructured                restructured

                            17,091               0
                            20,885               0
                            21,937               0
                            23,104               0
                            25,581               0
                            29,030               0
                            32,256               0
                            35,544               0
                 2,341      38,520           4,960
      2. Composition of loan portfolio to households by overdue payment

      2.9. Vehicle loan - FX-based loans (million HUF)


           Date        Loans with no overdue payment         Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue              181-365 days overdue            More than 1 year overdue


                                          from which:                       from which:                       from which:                         from which:                    from which:                          from which:
                            total                              total                             total                            total                             total                             total                            total
                                          restructured                      restructured                      restructured                        restructured                   restructured                         restructured

          2009.03             287,747                              35,143                             5,494                               1,501                          2,523                                  854                            4,154
          2009.06             241,511                              26,231                             4,483                               2,275                          2,726                                  551                            4,668
          2009.09             232,793                              25,368                             4,664                               2,030                          2,787                                  809                            2,781
          2009.12             244,296                               8,037                             4,076                               1,104                          1,852                                1,056                            3,207
          2010.03             235,583                               8,120                             4,307                               1,811                          1,680                                  798                            3,657
          2010.06             239,919                              27,485                             4,328                               2,034                          2,048                                  996                            3,425
          2010.09             215,523                              26,065                             3,442                               1,607                          2,756                                1,537                            3,760
          2010.12             216,894                              25,047                             3,300                               2,399                          2,142                                1,003                            3,772
1.2
          2011.03             135,806              6,573           46,759            4,630           11,891            2,728              6,459           1,752         10,365             4,449              4,198           1,618            4,213



                                         Notes
                                     1
                                         From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                     2
                                         The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue                Total


         from which:                   from which:
                           total
         restructured                  restructured

                             337,416               0
                             282,445               0
                             271,232               0
                             263,628               0
                             255,956               0
                             280,235               0
                             254,690               0
                             254,557               0
                      49     219,691          21,799
      2. Composition of loan portfolio to households by overdue payment

      2.10. Overdraft credit (million HUF)


           Date        Loans with no overdue payment         Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue              181-365 days overdue         More than 1 year overdue


                                          from which:                       from which:                       from which:                         from which:                    from which:                       from which:
                            total                              total                             total                            total                             total                             total                         total
                                          restructured                      restructured                      restructured                        restructured                   restructured                      restructured

          2009.03             267,944                              37,368                            12,583                               6,545                         12,305                             5,938                        20,484
          2009.06             271,265                              42,889                            11,085                               6,803                         14,606                            13,751                        27,005
          2009.09             261,243                              53,368                            12,874                               7,432                         11,805                            24,126                        36,771
          2009.12             257,082                              46,532                            10,449                               7,099                         12,867                            21,804                        42,847
          2010.03             251,082                              60,123                             9,910                               6,919                         11,576                            20,424                        62,549
          2010.06             256,260                              57,060                            10,702                               5,462                          9,790                            20,577                        71,442
          2010.09             263,612                              58,057                            11,312                               5,494                          8,897                            21,000                        78,580
          2010.12             243,214                              68,413                            13,772                               6,058                          9,436                            21,670                        82,956
1.2
          2011.03             258,884              3,743           69,536            2,526            9,044             458               7,023             339         11,598              591           29,400             578        70,410



                                         Notes
                                     1
                                         From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                     2
                                         The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue              Total


         from which:                 from which:
                         total
         restructured                restructured

                           363,167               0
                           387,404               0
                           407,619               0
                           398,680               0
                           422,583               0
                           431,293               0
                           446,952               0
                           445,519               0
                 1,010     455,895           9,245
      2. Composition of loan portfolio to households by overdue payment

      2.11. Overdraft credit from which credit card loan (million HUF)


           Date        Loans with no overdue payment         Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue              181-365 days overdue         More than 1 year overdue


                                          from which:                       from which:                          from which:                      from which:                    from which:                       from which:
                            total                              total                             total                            total                             total                             total                         total
                                          restructured                      restructured                         restructured                     restructured                   restructured                      restructured

          2009.03             140,743                              22,443                                8,032                            4,438                          8,694                             2,464                         8,303
          2009.06             138,200                              24,488                                7,452                            4,763                         10,707                             3,356                         8,817
          2009.09             131,566                              26,663                                8,148                            5,285                          7,997                             6,977                        10,319
          2009.12             131,349                              25,684                                7,268                            4,707                          8,347                             4,659                        16,611
          2010.03             116,807                              32,186                                7,673                            5,441                          7,380                             8,539                        15,193
          2010.06             124,314                              30,135                                7,463                            4,129                          7,290                             9,243                        17,881
          2010.09             128,779                              29,360                                7,412                            3,930                          6,614                             9,822                        18,683
          2010.12             115,095                              44,655                                9,645                            3,914                          5,866                            10,027                        19,443
1.2
          2011.03             144,880              1,839           20,869                585             5,498             340            3,839             265          5,597              402           12,586             438        16,191



                                         Notes
                                     1
                                         From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                     2
                                         The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue                 Total


         from which:                    from which:
                            total
         restructured                   restructured

                              195,117               0
                              197,783               0
                              196,955               0
                              198,625               0
                              193,219               0
                              200,455               0
                              204,600               0
                              208,645               0
                      970     209,460           4,839
      2. Composition of loan portfolio to households by overdue payment

      2.12. Hire purchase loan (million HUF)


           Date        Loans with no overdue payment         Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue               181-365 days overdue               More than 1 year overdue


                                          from which:                          from which:                       from which:                    from which:                         from which:                        from which:
                           total                               total                             total                            total                             total                              total                               total
                                          restructured                         restructured                      restructured                   restructured                        restructured                       restructured

          2009.03              50,708                                  5,027                             1,421                            866                               2,250                              2,007                               2,587
          2009.06              54,649                                  4,747                             1,363                            871                               2,340                              2,117                               2,664
          2009.09              61,244                                  4,657                             1,306                            780                               1,486                              3,810                               2,760
          2009.12              70,105                                  4,266                             1,026                            583                               1,100                              2,054                               4,754
          2010.03              66,904                                  3,543                               804                            501                                 754                              3,043                               2,382
          2010.06              61,321                                  3,629                               846                            494                                 832                              3,634                               3,622
          2010.09              56,696                                  3,319                               833                            458                                 759                              3,691                               3,725
          2010.12              55,616                                  2,909                               801                            419                                 694                              3,758                               3,574
1.2
          2011.03              48,453                221               2,790              18               833              29            513                  8              780                  8           3,622                  0            3,573



                                         Notes
                                     1
                                         From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                     2
                                         The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue                 Total


         from which:                    from which:
                            total
         restructured                   restructured

                               64,866               0
                               68,751               0
                               76,043               0
                               83,888               0
                               77,931               0
                               74,378               0
                               69,481               0
                               67,771               0
                        0      60,564             284
      2. Composition of loan portfolio to households by overdue payment

      2.13. Hire purchase loan from which credit card loan (million HUF)


           Date        Loans with no overdue payment           Overdue less than 30 days             31-60 days overdue               61-90 days overdue               91-180 days overdue              181-365 days overdue               More than 1 year overdue


                                            from which:                          from which:                      from which:                      from which:                      from which:                         from which:
                           total                                 total                              total                            total                            total                             total                               total
                                            restructured                         restructured                     restructured                     restructured                     restructured                        restructured

          2009.03                  7,432                                 1,615                              483                              284                              272                               1,531                                   5
          2009.06                  7,021                                 1,751                              496                              352                              461                               1,683                                 574
          2009.09                  7,171                                 1,806                              472                              284                              452                               2,081                                 574
          2009.12                  7,381                                 1,704                              448                              230                              389                                 147                               2,799
          2010.03                  7,154                                 1,519                              443                              259                              391                               2,676                                 512
          2010.06                  7,187                                 1,441                              392                              220                              363                               2,901                                 504
          2010.09                  6,983                                 1,459                              382                              207                              331                               3,095                                 498
          2010.12                  6,928                                 1,397                              344                              196                              283                               3,275                                   0
1.2
          2011.03                  6,512                   0             1,312                  0           392                  0           217                  0           290                  0            3,391                  0               30



                                           Notes
                                       1
                                           From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                       2
                                           The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue                 Total


         from which:                    from which:
                            total
         restructured                   restructured

                               11,622                  0
                               12,338                  0
                               12,840                  0
                               13,098                  0
                               12,954                  0
                               13,008                  0
                               12,955                  0
                               12,423                  0
                        0      12,144                  0
      2. Composition of loan portfolio to households by overdue payment

      2.14. Other loans (million HUF)


           Date        Loans with no overdue payment            Overdue less than 30 days            31-60 days overdue                61-90 days overdue               91-180 days overdue              181-365 days overdue           More than 1 year overdue


                                             from which:                       from which:                          from which:                      from which:                    from which:                       from which:
                           total                                  total                             total                            total                             total                             total                           total
                                             restructured                      restructured                         restructured                     restructured                   restructured                      restructured

          2009.03             208,668                                 31,876                                7,583                            7,276                          6,607                             8,737                          17,406
          2009.06             180,329                                 28,580                                5,043                            3,751                          7,793                            14,729                          21,719
          2009.09             179,761                                 28,362                                5,056                            5,552                          7,171                            18,321                          22,067
          2009.12             178,965                                 23,726                                5,567                            4,298                          8,182                            17,274                          24,717
          2010.03             154,362                                 31,326                                4,996                            4,186                         10,403                            18,146                          27,761
          2010.06             155,919                                 34,368                                6,326                            5,305                         13,022                            20,478                          30,187
          2010.09             146,281                                 31,621                                5,862                            4,880                         10,091                            16,369                          27,078
          2010.12             135,411                                 20,992                                5,921                            5,024                          7,603                            10,917                          28,557
1.2
          2011.03             119,947                19,521           25,305           10,098               4,845           2,395            3,275           1,200          6,136             2,265          10,350             2,231        22,577



                                            Notes
                                        1
                                            From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                        2
                                            The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
than 1 year overdue              Total


         from which:                 from which:
                         total
         restructured                restructured

                           288,153               0
                           261,944               0
                           266,290               0
                           262,729               0
                           251,180               0
                           265,605               0
                           242,182               0
                           214,425               0
                 2,409     192,435          40,119
      2. Composition of loan portfolio to households by overdue payment

      2.15. Total loans (million HUF)


           Date        Loans with no overdue payment             Overdue less than 30 days            31-60 days overdue                61-90 days overdue              91-180 days overdue              181-365 days overdue        More than 1 year overdue


                                              from which:                       from which:                       from which:                       from which:                     from which:                      from which:
                            total                                 total                              total                             total                           total                             total                        total
                                              restructured                      restructured                      restructured                      restructured                    restructured                     restructured

          2009.03            6,670,075                               760,415                           173,521                            136,072                         133,905                           80,682                       114,820
          2009.06            6,000,416                               689,430                           129,614                            127,943                         153,223                          121,106                       128,126
          2009.09            5,965,710                               673,703                           135,854                            131,004                         149,785                          164,169                       157,985
          2009.12            5,982,258                               640,607                           172,508                             93,269                         143,843                          167,625                       206,901
          2010.03            5,457,455                             1,039,127                           234,525                            114,668                         157,268                          180,470                       266,142
          2010.06            5,755,688                             1,342,021                           237,234                            142,812                         186,407                          203,326                       325,786
          2010.09            5,471,549                             1,285,933                           240,401                            135,895                         211,852                          201,394                       358,578
          2010.12            5,947,372                               985,080                           257,153                            127,518                         201,117                          205,720                       416,025
1.2
          2011.03            5,593,760              395,608          826,639          135,409          239,075             54,852         140,566            33,232       195,295           59,446         199,421          58,839       402,836



                                            Notes
                                        1
                                            From 2011, data on non-performing loans have been aggregated by individual contracts, in contrast to previous periods, when data were aggregated by types of loan.
                                        2
                                            The MNB has been collecting data on restructured loans in a breakdown by delinquency buckets from 2011. (Debt restructuring is regulated by Government Decree No. 250/2000.)
                                        3
                                            Data on stocks of renegotiated or restructured loans are not available for previous periods.
                                            Below, data on the stock of restructured household loans, collected by the HSFA, are presented (in HUF millions):
                                                    2009.03          137,168
                                                    2009.06            61,792
                                                    2009.09          151,261
                                                    2009.12          360,051
                                                    2010.03          311,267
                                                    2010.06          342,134
                                                    2010.09          378,782
                                                    2010.12          459,988
                                                    2011.03          748,612
than 1 year overdue              Total 3


         from which:                  from which:
                         total
         restructured                 restructured

                         8,069,490                0
                         7,349,858                0
                         7,378,210                0
                         7,407,011                0
                         7,449,655                0
                         8,193,274                0
                         7,905,602                0
                         8,139,985                0
                34,085   7,597,592          771,471
                                                                                                                                             1
    3. Composition of housing loan and home equity loan disbursed in the reporting quarter by loan-to-value (LTV) and purposes

    3.1. Housing loan - Loans disbursed in the reporting quarter - market-priced and other HUF loans

                                                                                                                                                                                   Without
                                                                                                                                                                                                                   Buying/building Buying of used
       Date       Under 20%             20-30%           30-40%            40-50%            50-60%            60-70%            70-80%            80-90%         Over 90%        mortgage          Total
                                                                                                                                                                                                                     of new flat        flat
                                                                                                                                                                                  collateral
     2009.03           12.34   %             5.72   %          4.61   %          3.83   %         5.24   %          5.64   %          1.82     %       1.32   %        6.13   %        53.35   %      100.00   %           12.07   %      23.29   %
     2009.06           10.61   %             6.79   %          4.74   %          5.53   %         3.14   %          5.43   %          2.44     %       1.21   %       10.00   %        50.11   %      100.00   %           15.03   %      25.02   %
     2009.09            9.10   %             5.68   %          4.62   %          4.94   %         5.57   %          5.76   %          4.69     %       1.33   %       12.23   %        46.09   %      100.00   %           15.27   %      36.66   %
     2009.12            9.57   %             6.22   %          4.95   %          5.77   %         6.64   %         10.28   %          6.26     %       1.72   %        9.79   %        38.80   %      100.00   %           13.10   %      46.69   %
     2010.03            5.49   %             5.22   %          5.40   %          7.70   %         9.31   %         13.49   %         17.56     %       5.54   %       13.59   %        16.71   %      100.00   %           10.25   %      56.50   %
     2010.06            3.90   %             4.43   %          5.77   %          8.04   %        11.31   %         14.57   %         19.53     %       9.82   %       11.74   %        10.90   %      100.00   %           10.92   %      62.33   %
     2010.09            4.49   %             4.82   %          6.06   %          8.47   %        11.03   %         12.29   %         16.53     %      11.58   %       15.11   %         9.63   %      100.00   %           12.38   %      63.54   %
     2010.12            3.50   %             5.01   %          6.47   %          8.84   %        12.11   %         13.33   %         19.71     %      14.04   %       12.04   %         4.95   %      100.00   %           15.31   %      67.80   %
2
     2011.03            4.52   %             5.77   %          9.00   %         10.67   %        13.90   %         16.18   %         21.84     %       5.04   %        6.82   %         6.27   %      100.00   %           13.40   %      68.33   %




                                   Notes
                               1
                                   As a result of the financial crisis, loan origination data are subject to greater-than-usual uncertainty.
                               2
                                   From 2011, the method of calculating the loan-to-value (LTV) ratio has changed:
                                   in contrast to previous periods, the current market value of the property has replaced the collateral value in determining the value of the property used as collateral for the loan.
                                   This has caused a break in the data series, with LTVs becoming lower as a result of the new calculation method.
Other purposes

       64.64   %
       59.96   %
       48.07   %
       40.21   %
       33.25   %
       26.75   %
       24.08   %
       16.89   %
       18.27   %
                                                                                                                                              1
    3. Composition of housing loan and home equity loan disbursed in the reporting quarter by loan-to-value (LTV) and purposes

    3.2. Housing loan - Loans disbursed in the reporting quarter - subsidized HUF loans

                                                                                                                                                                                    Without
                                                                                                                                                                                                                    Buying/building Buying of used
       Date       Under 20%              20-30%           30-40%            40-50%            50-60%            60-70%            70-80%            80-90%         Over 90%        mortgage          Total
                                                                                                                                                                                                                      of new flat        flat
                                                                                                                                                                                   collateral
     2009.03             8.81   %             2.99   %          4.33   %          6.97   %        10.64   %          7.43   %          7.29     %       5.14   %       35.32   %         11.08   %     100.00   %           71.92   %      21.25   %
     2009.06             8.69   %             3.43   %          5.69   %          7.50   %         8.62   %          7.25   %          7.27     %       4.26   %       40.14   %          7.14   %     100.00   %           71.16   %      23.76   %
     2009.09             7.31   %             3.56   %          5.24   %          7.88   %         8.76   %          7.64   %          6.20     %       4.42   %       41.60   %          7.38   %     100.00   %           73.09   %      21.14   %
     2009.12             7.57   %             4.29   %          6.34   %          8.38   %        11.23   %         11.99   %         16.09     %       6.87   %       19.40   %          7.83   %     100.00   %           87.42   %       3.56   %
     2010.03            10.71   %             4.38   %          5.37   %          6.40   %         9.01   %         11.56   %         13.05     %       5.97   %       25.17   %          8.38   %     100.00   %           84.42   %       3.24   %
     2010.06             9.25   %             3.21   %          5.95   %          8.71   %        11.17   %         10.85   %         13.26     %       4.20   %       25.46   %          7.94   %     100.00   %           93.96   %       2.12   %
     2010.09             8.24   %             3.44   %          6.80   %          8.54   %        13.91   %         13.55   %         11.53     %       6.07   %       21.23   %          6.67   %     100.00   %           87.64   %       2.19   %
     2010.12            10.20   %             4.41   %          4.43   %          7.74   %        10.93   %         11.74   %         12.90     %       6.76   %       23.76   %          7.12   %     100.00   %           83.36   %       3.17   %
2
     2011.03            11.75   %             4.79   %          7.91   %         11.65   %        11.55   %         13.55   %         15.59     %       6.52   %        7.74   %          8.93   %     100.00   %           82.81   %       2.82   %




                                    Notes
                                1
                                    As a result of the financial crisis, loan origination data are subject to greater-than-usual uncertainty.
                                2
                                    From 2011, the method of calculating the loan-to-value (LTV) ratio has changed:
                                    in contrast to previous periods, the current market value of the property has replaced the collateral value in determining the value of the property used as collateral for the loan.
                                    This has caused a break in the data series, with LTVs becoming lower as a result of the new calculation method.
Other purposes

        6.83   %
        5.08   %
        5.76   %
        9.01   %
       12.34   %
        3.91   %
       10.17   %
       13.48   %
       14.37   %
                                                                                                                                              1
    3. Composition of housing loan and home equity loan disbursed in the reporting quarter by loan-to-value (LTV) and purposes

    3.3. Housing loan - Loans disbursed in the reporting quarter - FX-based loans

                                                                                                                                                                                    Without
                                                                                                                                                                                                                    Buying/building Buying of used
       Date       Under 20%              20-30%           30-40%            40-50%            50-60%            60-70%            70-80%            80-90%         Over 90%        mortgage          Total
                                                                                                                                                                                                                      of new flat        flat
                                                                                                                                                                                   collateral
     2009.03             0.86   %             1.62   %          2.84   %          4.88   %         6.87   %          8.21   %         11.30     %      12.46   %       41.69   %          9.26   %     100.00   %           24.35   %      55.49   %
     2009.06             2.59   %             2.26   %          3.87   %          6.60   %         7.08   %          8.64   %          9.59     %       7.14   %       47.47   %          4.75   %     100.00   %           25.02   %      57.08   %
     2009.09             1.72   %             2.14   %          3.91   %          6.35   %         8.00   %          9.40   %         10.50     %       5.85   %       47.36   %          4.78   %     100.00   %           20.99   %      64.40   %
     2009.12             1.71   %             2.92   %          4.87   %          8.16   %        11.56   %         15.68   %         14.43     %      13.08   %       21.80   %          5.80   %     100.00   %           24.42   %      67.52   %
     2010.03             0.94   %             1.81   %          3.42   %          5.74   %         7.92   %         12.95   %         14.94     %      12.78   %       38.48   %          1.02   %     100.00   %           25.80   %      65.90   %
     2010.06             1.47   %             1.80   %          3.25   %          5.24   %         7.59   %          9.30   %          7.69     %       7.63   %       53.93   %          2.10   %     100.00   %           30.36   %      57.72   %
3
     2010.09             1.66   %             1.35   %          2.87   %          3.38   %         6.64   %          8.92   %          6.09     %       4.79   %       61.62   %          2.69   %     100.00   %           36.72   %      55.79   %
     2010.12             1.25   %             1.00   %          1.45   %          2.32   %         2.42   %          4.47   %          4.46     %       3.69   %       77.93   %          1.01   %     100.00   %           41.95   %      50.31   %
2
     2011.03             3.97   %             1.55   %          2.25   %          5.75   %         7.09   %          8.91   %          9.53     %       8.02   %       52.12   %          0.79   %     100.00   %           35.63   %      55.24   %




                                    Notes
                                1
                                    As a result of the financial crisis, loan origination data are subject to greater-than-usual uncertainty.
                                2
                                    From 2011, the method of calculating the loan-to-value (LTV) ratio has changed:
                                    in contrast to previous periods, the current market value of the property has replaced the collateral value in determining the value of the property used as collateral for the loan.
                                    This has caused a break in the data series, with LTVs becoming lower as a result of the new calculation method.
                                3
                                    Act XC of 2010, which prohibits banks from registering a mortgage under a foreign currency loan, entered into force on 14 August 2010.
                                    The effects of this have been reflected in a decline in foreign currency lending.
                                    The greater-than-zero value of new foreign currency lending is explained by the opportunity to redenominate foreign currency loans disbursed earlier.
Other purposes

       20.17   %
       17.90   %
       14.61   %
        8.06   %
        8.30   %
       11.92   %
        7.49   %
        7.75   %
        9.13   %
                                                                                                                                             1
    3. Composition of housing loan and home equity loan disbursed in the reporting quarter by loan-to-value (LTV) and purposes

    3.4. Home equity loan - Loans disbursed in the reporting quarter - HUF loans


       Date       Under 20%             20-30%           30-40%            40-50%            50-60%            60-70%            70-80%            80-90%         Over 90%          Total

     2009.03           26.42   %             8.81   %          8.01   %         11.72   %        10.46   %          8.48   %          7.62     %       0.53   %       17.95   %       100.00   %
     2009.06           38.14   %             7.17   %          8.10   %          8.19   %         6.92   %          7.64   %          2.62     %       2.74   %       18.48   %       100.00   %
     2009.09           33.48   %             5.95   %          7.46   %          8.76   %         5.51   %          8.49   %          9.38     %      13.04   %        7.92   %       100.00   %
     2009.12           31.09   %            10.28   %          8.38   %         10.94   %        11.18   %          8.72   %         14.35     %       2.59   %        2.46   %       100.00   %
     2010.03            8.67   %             8.53   %         10.60   %         13.98   %        16.67   %         15.57   %         15.77     %       3.21   %        6.99   %       100.00   %
     2010.06            6.90   %             8.10   %          9.32   %         12.69   %        15.68   %         17.19   %         16.67     %       5.95   %        7.49   %       100.00   %
     2010.09            7.56   %             7.31   %          8.37   %         11.03   %        11.66   %         15.58   %         16.33     %       6.29   %       15.88   %       100.00   %
     2010.12            7.17   %             7.72   %         10.11   %         11.38   %        13.61   %         16.51   %         16.09     %       5.32   %       12.09   %       100.00   %
2
     2011.03            8.58   %             9.42   %         11.70   %         13.00   %        15.86   %         20.20   %         10.00     %       2.60   %        8.64   %       100.00   %




                                   Notes
                               1
                                   As a result of the financial crisis, loan origination data are subject to greater-than-usual uncertainty.
                               2
                                   From 2011, the method of calculating the loan-to-value (LTV) ratio has changed:
                                   in contrast to previous periods, the current market value of the property has replaced the collateral value in determining the value of the property used as collateral for the loan.
                                   This has caused a break in the data series, with LTVs becoming lower as a result of the new calculation method.
used as collateral for the loan.
                                                                                                                                             1
    3. Composition of housing loan and home equity loan disbursed in the reporting quarter by loan-to-value (LTV) and purposes

    3.5. Home equity loan - Loans disbursed in the reporting quarter - FX-based loans


       Date       Under 20%             20-30%           30-40%            40-50%            50-60%            60-70%            70-80%            80-90%         Over 90%          Total

     2009.03            5.02   %             4.62   %          5.16   %          6.76   %         8.66   %          9.73   %         15.75     %      14.17   %       30.14   %       100.00   %
     2009.06            6.13   %             4.42   %          6.37   %         10.31   %         9.73   %         10.12   %         10.32     %       5.65   %       36.95   %       100.00   %
     2009.09            4.98   %             4.95   %          6.57   %          7.38   %        11.94   %         11.03   %         13.70     %       5.23   %       34.22   %       100.00   %
     2009.12            6.07   %             5.21   %          7.48   %          9.80   %        14.08   %         13.62   %         17.54     %      10.83   %       15.37   %       100.00   %
     2010.03            2.95   %             3.44   %          5.42   %          6.87   %         9.37   %         12.49   %         15.45     %       6.69   %       37.32   %       100.00   %
     2010.06            4.04   %             3.29   %          4.29   %          6.00   %         7.67   %          9.43   %         10.36     %       6.39   %       48.53   %       100.00   %
3
     2010.09            6.34   %             1.88   %          1.78   %          3.55   %         4.67   %          5.93   %          5.01     %       4.32   %       66.52   %       100.00   %
     2010.12            5.19   %             0.77   %          1.48   %          2.15   %         2.98   %          4.55   %          3.69     %       4.32   %       74.88   %       100.00   %
2
     2011.03           14.28   %             3.28   %          3.78   %          5.67   %         6.93   %         11.86   %          6.56     %       9.48   %       38.16   %       100.00   %




                                   Notes
                               1
                                   As a result of the financial crisis, loan origination data are subject to greater-than-usual uncertainty.
                               2
                                   From 2011, the method of calculating the loan-to-value (LTV) ratio has changed:
                                   in contrast to previous periods, the current market value of the property has replaced the collateral value in determining the value of the property used as collateral for the loan.
                                   This has caused a break in the data series, with LTVs becoming lower as a result of the new calculation method.
                               3
                                   Act XC of 2010, which prohibits banks from registering a mortgage under a foreign currency loan, entered into force on 14 August 2010.
                                   The effects of this have been reflected in a decline in foreign currency lending.
                                   The greater-than-zero value of new foreign currency lending is explained by the opportunity to redenominate foreign currency loans disbursed earlier.
used as collateral for the loan.
    4. Composition of outstanding amount of housing loan and home equity loan at the end of the reporting quarter by loan-to-value (LTV)

    4.1. Housing loan - Outstanding amount at the end of the the reporting quarter - market-priced and other HUF loans (million HUF)

                                                                                                                                                                                  Without
       Date       Under 20%           20-30%            30-40%           40-50%            50-60%           60-70%            70-80%           80-90%           Over 90%         mortgage           Total
                                                                                                                                                                                 collateral
     2009.03            14,436              6,136             5,693            5,549             4,949            4,057             2,036            1,086            21,412           50,474          115,828
     2009.06            15,370              6,501             5,791            5,685             5,034            4,207             2,352            1,254            22,828           50,647          119,669
     2009.09            15,082              6,749             5,853            6,050             5,736            4,755             2,670            1,525            28,137           52,330          128,887
     2009.12            15,454              6,908             5,593            5,806             5,105           11,896             3,071            1,428            19,214           51,880          126,355
     2010.03            14,234              6,645             5,774            6,231             6,009            6,556             4,647            2,252            20,659           51,084          124,091
     2010.06            15,106              8,125             7,784            9,308            10,530           11,596            12,171            6,151            24,114           51,487          156,372
     2010.09            15,428             10,294            10,960           13,673            16,268           20,828            21,020           12,915            31,460           52,084          204,930
     2010.12            16,921             12,074            13,731           17,861            21,893           27,309            30,756           19,794            36,326           52,568          249,233
1
     2011.03            20,575             16,226            20,700           26,750            32,886           38,322            39,857           10,259            23,610           50,711          279,896




                                  Notes
                              1
                                  From 2011, the method of calculating the loan-to-value (LTV) ratio has changed:
                                  in contrast to previous periods, the current market value of the property has replaced the collateral value in determining the value of the property used as collateral for the loan.
                                  This has caused a break in the data series, with LTVs becoming lower as a result of the new calculation method.
al for the loan.
    4. Composition of outstanding amount of housing loan and home equity loan at the end of the reporting quarter by loan-to-value (LTV)

    4.2. Housing loan - Outstanding amount at the end of the reporting quarter - subsidized HUF loans (million HUF)

                                                                                                                                                                                  Without
       Date       Under 20%           20-30%            30-40%           40-50%            50-60%           60-70%            70-80%           80-90%           Over 90%         mortgage           Total
                                                                                                                                                                                 collateral
     2009.03            94,812            110,436           158,501          202,294           168,878          102,593            71,612           60,041          303,031             9,835        1,282,033
     2009.06            97,922            110,884           160,325          199,083           156,288           97,235            72,800           60,378          306,551             9,223        1,270,689
     2009.09            98,200            109,423           160,001          196,085           150,835           95,571            74,642           61,363          306,987             8,362        1,261,469
     2009.12            95,633            114,064           169,478          213,411           168,957          115,343            92,363           66,578          203,746             7,956        1,247,529
     2010.03            92,999            112,104           166,267          209,961           163,704          121,605            93,533           65,718          195,492             7,863        1,229,246
     2010.06            88,476            108,081           159,281          196,429           158,227          126,431            95,785           66,180          195,483             7,570        1,201,943
     2010.09            88,536            107,371           156,820          188,863           154,277          121,232            95,842           65,291          188,166             6,873        1,173,271
     2010.12            87,317            107,380           154,407          183,679           149,386          118,402            96,944           63,609          177,947             6,525        1,145,596
1
     2011.03           113,844            146,644           198,932          180,831           133,564          105,230            83,586           52,162           98,399             4,755        1,117,947




                                  Notes
                              1
                                  From 2011, the method of calculating the loan-to-value (LTV) ratio has changed:
                                  in contrast to previous periods, the current market value of the property has replaced the collateral value in determining the value of the property used as collateral for the loan.
                                  This has caused a break in the data series, with LTVs becoming lower as a result of the new calculation method.
al for the loan.
    4. Composition of outstanding amount of housing loan and home equity loan at the end of the reporting quarter by loan-to-value (LTV)

    4.3. Housing loan - Outstanding amount at the end of the reporting quarter - FX-based loans (million HUF)

                                                                                                                                                                                  Without
       Date       Under 20%           20-30%            30-40%           40-50%            50-60%           60-70%            70-80%           80-90%           Over 90%         mortgage           Total
                                                                                                                                                                                 collateral
     2009.03            40,107             58,452            94,413          140,591           192,668          250,639          585,822           282,054        1,069,206            24,626        2,738,578
     2009.06            59,325             69,192           114,305          167,772           212,568          211,646          199,719           472,360          887,973            19,285        2,414,145
     2009.09            46,338             69,449           113,823          167,186           211,250          213,456          203,650           472,017          913,496            16,352        2,427,017
     2009.12            48,917             78,129           131,424          194,237           253,260          312,456          247,982           234,335          943,580            16,829        2,461,149
     2010.03            45,889             75,193           127,436          190,612           247,347          312,838          253,462           235,438          986,555            15,601        2,490,371
     2010.06            36,675             60,696           102,065          152,613           207,174          304,274          261,011           255,029        1,446,069            19,616        2,845,222
     2010.09            38,124             64,958           107,842          162,133           215,683          302,345          255,858           246,157        1,284,551            19,612        2,697,263
     2010.12            44,004             59,352            97,901          146,642           196,959          290,085          252,518           243,475        1,469,265            18,465        2,818,666
1
     2011.03            50,159             86,648           142,782          211,830           266,540          331,208          279,371           257,728          907,801            15,244        2,549,311




                                  Notes
                              1
                                  From 2011, the method of calculating the loan-to-value (LTV) ratio has changed:
                                  in contrast to previous periods, the current market value of the property has replaced the collateral value in determining the value of the property used as collateral for the loan.
                                  This has caused a break in the data series, with LTVs becoming lower as a result of the new calculation method.
al for the loan.
    4. Composition of outstanding amount of housing loan and home equity loan at the end of the reporting quarter by loan-to-value (LTV)

    4.4. Home equity loan - Outstanding amount at the end of the reporting quarter - HUF loans (million HUF)


       Date       Under 20%           20-30%            30-40%           40-50%            50-60%           60-70%            70-80%           80-90%           Over 90%           Total

     2009.03             4,845              1,694             1,341            1,322               924            1,328               387              308             3,924           16,073
     2009.06             4,335              1,759             1,461            1,703             1,611            1,874               765              623             4,608           18,739
     2009.09             5,116              2,331             2,140            2,259             2,054            2,210               900              948             5,114           23,072
     2009.12             6,106              2,871             2,317            3,037             2,351            4,442             1,422            1,668             3,227           27,441
     2010.03             6,640              4,233             4,139            5,108             5,196            5,524             5,180            1,386             4,514           41,920
     2010.06             9,694              7,306             7,424            9,115            10,366           10,561            10,553            3,116             6,363           74,498
     2010.09            11,534              9,115            10,084           12,949            14,295           16,995            16,064            6,568            14,240          111,844
     2010.12            14,106             11,871            13,537           17,330            19,304           23,090            22,726            7,868            18,041          147,873
1
     2011.03            16,922             15,681            19,034           24,599            28,967           29,903            12,493            3,319            18,898          169,816




                                  Notes
                              1
                                  From 2011, the method of calculating the loan-to-value (LTV) ratio has changed:
                                  in contrast to previous periods, the current market value of the property has replaced the collateral value in determining the value of the property used as collateral for the loan.
                                  This has caused a break in the data series, with LTVs becoming lower as a result of the new calculation method.
al for the loan.
    4. Composition of outstanding amount of housing loan and home equity loan at the end of the reporting quarter by loan-to-value (LTV)

    4.5. Home equity loan - Outstanding amount at the end of the reporting quarter - FX-based loans (million HUF)


       Date       Under 20%           20-30%            30-40%           40-50%            50-60%           60-70%            70-80%           80-90%           Over 90%           Total

     2009.03            93,555            105,435           135,835          168,874           213,022          268,800          478,710           219,000          608,493         2,291,724
     2009.06           113,028            115,915           147,747          194,029           219,364          245,805          204,866           361,556          401,375         2,003,685
     2009.09            96,816            116,128           147,566          193,431           216,454          243,204          207,849           359,490          422,745         2,003,683
     2009.12           109,952            137,132           173,822          228,377           260,079          343,490          219,575           203,925          355,319         2,031,671
     2010.03           107,070            132,365           170,226          215,179           254,930          341,297          229,332           207,771          401,895         2,060,065
     2010.06            94,519            119,188           156,354          190,329           237,487          346,446          261,267           223,187          719,116         2,347,893
     2010.09            96,897            119,145           153,412          187,547           226,999          327,950          259,621           199,868          639,942         2,211,381
     2010.12           123,387            110,315           143,462          171,327           211,372          304,385          241,138           218,193          786,966         2,310,545
1
     2011.03           104,105            127,478           166,989          202,379           233,585          318,077          227,311           182,447          528,803         2,091,174




                                  Notes
                              1
                                  From 2011, the method of calculating the loan-to-value (LTV) ratio has changed:
                                  in contrast to previous periods, the current market value of the property has replaced the collateral value in determining the value of the property used as collateral for the loan.
                                  This has caused a break in the data series, with LTVs becoming lower as a result of the new calculation method.
al for the loan.

				
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