Takarékbank

What Takarékbank does

MBH Bank Nyrt. is a Hungarian universal commercial bank formed through the April 30, 2023 statutory merger of MKB Bank Nyrt. and Takarékbank Zrt. (with Takarékbank absorbed into MKB Bank and the combined entity rebranded as MBH Bank Nyrt. effective May 1, 2023), operating under the Magyar Bankholding banking group. Following the subsequent migration of Budapest Bank's corporate client portfolio in September–October 2023, MBH Bank operates as one of Hungary's largest banking groups, serving retail, SME, corporate, agricultural, municipal, religious-institution, and private banking segments through a hybrid distribution model: a nationwide physical branch and ATM network (>90% barrier-free accessibility), 24/7 Telebank, Monday–Friday Videobank, and a unified digital platform spanning MBH Netbank (web), MBH Bank App (iOS/Android with biometric auth, Apple Pay, Google Pay), MBH Info notifications, MBH OpenAPI, and DÁP digital identity login.

The product portfolio covers the full retail banking lifecycle — student accounts (MBH Diák), bundled premium packages (MBH Tripla, MBH Fix Nulla), government-subsidized mortgages (MBH Otthon Start at fixed 3% THM, up to 50M HUF / 25 years), Babaváró family loans, qualified consumer-friendly personal loans, retail installment credit (Áruhitel), overdrafts, credit cards, auto leasing (Lízing+), Szép Kártya cafeteria benefits, Fundamenta-Lakáskassza home savings, and bancassurance distribution. Corporate and institutional products include MBH Vállalati Netbank, MBH Direct Bank, MBH Vállalati App, cash management, treasury, and trade finance. Investment banking and capital markets activity is conducted through wholly-owned subsidiary MBH Befektetési Bank, which offers government securities, mortgage bonds, bank bonds, investment funds, and brokerage via MBH Netbroker / Mobilbroker.

Revenue mechanics are dominated by interest income on lending (subsidized and standard mortgages, personal, corporate, agricultural, municipal loans) and deposit/funding spreads, supplemented by transaction and account fees, payment-network commissions (Mastercard, VISA, Apple Pay, Google Pay), and distribution fees on insurance, funds, and securities. The bank depends on Hungary's GIRO Zrt. interbank payment infrastructure for bulk transfer processing. The firm is incorporated as a Hungarian public limited company (Nyrt.) under MNB and ECB supervision, with the merged entity's headquarters at Váci u. 38., Budapest. Reported operating geographies are single-country (Hungary), with service-channel coverage including 24/7 phone support and branch appointment booking via the digital Fiókkereső system.

Name

Takarékbank

Legal name

MBH Bank Nyrt.

Website

https://takarekbank.hu

Company type

Public

Founded year

2023

Operating status

Operating

Headcount range

501–1,000 employees

Short description

MBH Bank Nyrt. is a Hungarian universal commercial bank formed by the 2023 merger of MKB Bank and Takarékbank, serving retail, SME, corporate, agricultural, municipal, religious, and private banking clients through a nationwide branch network and unified digital banking platform.

Ownership category

akta.pro rank

Product category

Universal Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Savings Institutions and Other Depository Credit Intermediation (522180), Offices of Bank Holding Companies (551111)

SIC

National Commercial Banks (6021), Savings Institution, Federally Chartered (6035), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industry

Agency MBS Securitization & Issuance (GSE/Ginnie) (FSALAFAA)

Keywords

• Universal banking services
• Retail and corporate lending
• Mortgage and consumer loans
• Investment and wealth management
• Digital banking platforms

Headquarters

HQ city

Budapest

HQ country

Hungary

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Infrastructure, Technology or R&D, Operations, Marketing or Sales

Revenue model

1. Interest Income (Lending): Core revenue from interest earned on loan portfolios including mortgage loans (MBH Otthon Start Lakáshitel, residential mortgages), personal loans, working capital facilities, agricultural loans, and municipal lending. Driven by THM (annual effective interest rate) on consumer and mortgage products ranging from ~3% (government-subsidized first-home loan) to 7.31–7.92% for standard mortgage products.
2. Interest Income (Deposits & Bonds): Interest earned on customer deposits and bond portfolios. The bank offers deposit products including MBH Akciós 3-month term deposit (7.25% annual interest, EBKM 7.25%/7.35%) and government securities (állampapír) distribution through MBH Befektetési Bank.
3. Transaction & Account Fees: Commission income from payment processing, wire transfers (domestic HUF, SEPA, international), ATM withdrawals, card transactions, and account maintenance fees across retail and corporate segments.
4. Commission Income (Distribution): Distribution commissions from selling third-party financial products including insurance (travel, life, home, credit protection), investment funds, government securities, and savings products (Fundamenta-Lakáskassza housing savings).
5. Corporate Banking Services: Fees from cash management, treasury, trade finance, and specialized services for corporate, agricultural, municipal, and religious institution segments. Includes dedicated netbank platforms (MBH Vállalati Netbank, MBH Direct Bank, MBH Vállalati App).
6. Investment & Wealth Management: Revenue from MBH Befektetési Bank (MBH Investment Bank) subsidiary through securities custody, brokerage, investment fund management, and bond issuance (MBH Bank kötvények). Investment services accessible via MBH Netbroker and MBH Mobilbroker.

Pricing tiers

Go-to-market motion2 records

Distribution channels10 records

Marketing channels9 records

Core offering

MBH Bank (formerly including Takarékbank) is a universal commercial bank providing retail and corporate banking services in Hungary. Core offerings include current and savings accounts, mortgage and consumer loans, corporate credit and cash management, investment funds and securities brokerage, insurance distribution, agricultural and municipal lending, and private banking. The bank distributes these services through a nationwide branch and ATM network combined with digital platforms (MBH Netbank, MBH Bank App, MBH Videobank, Telebank) and a corporate banking platform (MBH Vállalati Netbank, MBH Direct Bank).

Product overview

MBH Bank (Magyar Bankholding Bank) operates as a universal commercial bank serving retail, SME, corporate, agricultural, municipal, religious, and private banking segments. The product portfolio is organized as a platform-plus-modules architecture. The core digital banking platforms consist of MBH Netbank (online banking via web), MBH Bank App (mobile banking via smartphone app), MBH Info (transaction notification service via SMS and push), MBH Videobank (live video-assisted banking), and Telebank (24/7 telephone banking). For corporate clients, MBH offers Vállalati Netbank, MBH Direct Bank (desktop treasury app), and MBH Vállalati App (corporate mobile app). The retail account suite includes MBH Tripla, MBH Fix Nulla, and MBH Diák packages. Lending products span home loans (MBH Otthon Start with 3% subsidized rate), personal loans (including Qualified Consumer-Friendly and Munkáshitel), Babaváró (parental loan), áruhitel (retail credit), credit cards, and overdraft facilities. Savings and investment offerings include promotional deposits (MBH Akciós 3-month deposit at 7.25%), bonds, government securities, investment funds (via MBH Befektetési Bank), and mortgage bonds. MBH Befektetési Bank provides securities brokerage via MBH Netbroker/Mobilbroker, while MBH Szép Kártya administers cafeteria benefits. Insurance products (travel, life, home) are distributed through bancassurance partnerships. The bank integrates with Apple Pay and Google Pay for card digitalization, DÁP for digital identity authentication, and Mastercard/VISA payment networks.

Differentiator

Problem solved

Functional benefit

Products and services

• MBH Netbank

Quantifiable outcome

• Over 90% of branches and ATMs are barrier-free and accessible

Segments8 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature6 records

Partnerships

One partnership is on record.

• GIRO Zrt.core infrastructureTechnology or IntegrationGIRO Zrt. is the Hungarian interbank payment system operator providing the InterGIRO2 (IG2) and IG1 systems used for batch payment processing. MBH Bank depends on GIRO infrastructure for incoming and outgoing bulk payment transactions, salary credits, and government transfers. Technical outages at GIRO directly impact MBH Bank's payment processing capabilities.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@mbhbank
• Facebookfacebook.com/takarekcsoport
• LinkedInlinkedin.com/company/mbh-bank
• Xx.com/takarekbank_

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Takarékbank