21 January 211 January 212 21 January 211 January 212 Charts to the Press Release on the aggregated balance sheet of credit institutions, 212 Chart 1 Real growth of households outstanding borrowing 1, 2 1 1 - - -1-1 -1-1 -2-2 -2-2 -3-3 -3-3 HUF loans FX loans Total loans Chart 2 Seasonally and exchange rate adjusted net new borrowing by households 3 2 2 1 1-1 -1-2 -2-3 -3-4 -4 - - Transactions - HUF loans Transactions - FX loans Transactions - Total loans 1 Transactions-based growth rate (see the Methodological notes). 2 The large transaction volume of loans is attributable to early repayments: on 19 211, Parliament passed Act CXXI of 21 amending certain laws on home protection, which was brought into force on 29. Under the amendment, the law defined a range of consumers with foreign currency-denominated loans who could prepay, i.e. to repay in full, their existing debt at a fixed exchange rate which was lower than current market rates. Credit institutions provided loans for early repayment to make it easier for debtors to repay their existing debt. 3 The adjustments of seasonally adjusted transactions data due to early repayments are detailed in the Methodological notes.
21 January 211 January 212 21 January 211 January 212 Chart 3 Outstanding forint, euro and Swiss franc-denominated housing loans of households Foreign currency data are calculated at the MNB s current 4 mid-rates 4 4 4 4 3 3 3 3 2 2 2 2 1 1 1 1 Chart 4 Outstanding forint, euro and Swiss franc-denominated housing loans of households Calculated at the MNB s mid-rates for 31 212 4 4 4 4 3 3 3 3 2 2 2 2 1 1 1 1 4 The end-of-month mid-rate of the forint changing from month to month. 2
21 January 211 January 212 21 January 211 January 212 Chart Outstanding forint, euro and Swiss franc-denominated consumer loans of households Foreign currency data are calculated at the MNB s current mid-rates 4 4 3 3 3 3 2 2 2 2 1 1 1 1 Chart 6 Outstanding forint, euro and Swiss franc-denominated consumer loans of households Calculated at the MNB s mid-rates for 31 212 4 4 4 4 3 3 3 3 2 2 2 2 1 1 1 1 The end-of-month mid-rate of the forint changing from month to month. 3
21 January 211 January 212 21 January 211 January 212 Chart 7 Outstanding forint, euro and Swiss franc-denominated other loans of households Foreign currency data are calculated at the MNB s current 6 mid-rates 3 3 3 3 2 2 2 2 1 1 1 1 Chart 8 Outstanding forint, euro and Swiss franc-denominated other loans of households Calculated at the MNB s mid-rates for 31 212 3 3 3 3 2 2 2 2 1 1 1 1 6 The end-of-month mid-rate of the forint changing from month to month. 4
21 January 211 January 212 21 January 211 January 212 Chart 9 Percentage shares of foreign currency loans within the individual categories of household loans 8 8 6 6 4 4 2 2 Consumer credits Loans for house purchase Other loans Chart 1 Real growth of household deposits 7 2 2 1 1 1 1 - - -1-1 -1-1 -2-2 -2-2 -3-3 HUF deposits FX deposits Total deposits 7 Transactions-based growth rate (see the Methodological notes).
21 January 211 January 212 21 January 211 January 212 Chart 11 Seasonally and exchange rate adjusted net new deposits of households 1 1 1 1 - - -1-1 -1-1 -2-2 Transactions - HUF deposits Transactions - FX deposits Transactions - Total deposits Chart 12 Real growth of non-financial corporations outstanding borrowing 8 4 4 2 2-2 -2-4 -4-6 -6-8 -8-1 -1-12 -12-14 -14-16 -16-18 -18 HUF loans FX loans Total loans 8 Transactions-based growth rate (see the Methodological notes). 6
21 January 211 January 212 21 January 211 January 212 Chart 13 Seasonally and exchange rate adjusted net new borrowing by non-financial corporations 9 8 8 6 6 4 4 2 2-2 -2-4 -4-6 -6-8 -8-1 -1-12 -12 Transactions - HUF loans Transactions - FX loans Transactions - Total loans Chart 14 Real growth of non-financial corporations deposits 1 2 2 1 1 1 1 - - -1-1 -1-1 -2-2 -2-2 -3-3 HUF deposits FX deposits Total deposits 9 Non-financial corporations foreign currency loans are indirectly adjusted. For more details, see the Methodological notes. 1 Transactions-based growth rate (see the Methodological notes). 7
21 January 211 January 212 21 January 211 January 212 Chart 1 Seasonally and exchange rate adjusted net new deposits of non-financial corporations 2 2 1 1 1 1 - - -1-1 -1-1 -2-2 Transactions - HUF deposits Transactions - FX deposits Transactions - Total deposits Chart 16 Real growth of the monetary aggregates 11 1 1 8 8 6 6 4 4 2 2-2 -2-4 -4-6 -6-8 -8-1 -1-12 -12 M1 M2 M3 11 For an interpretation of the trend plotted on the chart, see the Methodological notes. 8
21 January 211 January 212 21 January 211 January 212 Chart 17 Seasonally adjusted M1 7, 7, 7,3 7,3 7,1 7,1 6,9 6,9 6,7 6,7 6, 6, 6,3 6,3 6,1 6,1,9,9,7,7 Trend Seasonally adjusted Original Chart 18 Seasonally adjusted M2 1, 1, 1,3 1,3 1,1 1,1 14,9 14,9 14,7 14,7 14, 14, 14,3 14,3 14,1 14,1 13,9 13,9 Trend Seasonally adjusted Original 9
21 January 211 January 212 21 January 211 January 212 Chart 19 Seasonally adjusted M3 17,6 17,6 17,4 17,4 17,2 17,2 17, 17, 16,8 16,8 16,6 16,6 16,4 16,4 16,2 16,2 16, 16, 1,8 1,8 1,6 1,6 Trend Seasonally adjusted Original Chart 2 Total foreign exposure of credit institutions 4 4 3 3 3 3 2 2 2 2 1 1 1 1 Foreign assets as a percentage of the balance sheet total Foreign liabilities as a percentage of the balance sheet total 1