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Gránit Bank started its activity as a greenfield bank in May 2010 and has now become the fastest growing and most cost-effective bank in Hungary, mainly due to the fact that it was the first to adopt a digital banking business model in Hungary. Gránit Bank shares are listed on the Budapest Stock Exchange since December 23, 2024. Since its founding the Bank has effectively combined conservative lending with the ever-widening distribution of innovative digital banking solutions. As a result, the Bank has built a high-quality corporate and retail loan portfolio. It primarily serves its retail customers without a branch network, through electronic channels and smart devices. With new cutting-edge digital solutions that are free for customers, it makes sustainable, cost-effective banking available to a wide range of people, making it the financial institution with the smallest ecological footprint in Hungary. Similar to the results of previous years, Gránit Bank performed significantly better than its plans and the local banking sector average. Based on Q3 data, the growth of profit per equity, total assets, deposits and loans exceeded the local sector average, and the portfolio quality was excellent – ​​as well as the performance of the Gránit Bank Group. 2024 opened a new dimension for the Bank: the largest domestic fundraising of the past 25 years took place within the framework of the Gránit Bank IPO. Since 2016, Gránit Bank has been the only bank in the banking sector of the region to issue new shares simultaneously with the stock exchange listing. Valid offers received exceeded more than three times the minimum total issue value. Between 2012 and 2023 Gránit Bank receied a total of 44 awards in Mastercard’s Bank of the Year competition. The bank achived 4 first places in this award in 2023: “Bank of the Year”, “Easy and Convenient Banking Experience of the Year”, “Youth Financial Solution of the Year” and ”Acquisition Marketing Campaign of the Year.” Also, Gránit Bank was awarded as the “Fastest Growing Digital Bank in Hungary” by Global Banking and Finance Review in 2023. The Bank’s cross border service in Romania is available now for retail customers since late autumn of 2024. For more detailed information about our story, innovations and financial data please read through the complete introduction brochure: https://issuu.com/granitbank/docs/gr_nit_bank_introduction_2024