SOPRON BANK Zártkörűen Működő Részvénytársaság

SOPRON BANK Zártkörűen Működő Részvénytársaság (Sopron Bank Zrt.) is a Hungarian credit institution incorporated as a private company limited by shares and based in Sopron, operating under authorization and supervision of the Magyar Nemzeti Bank. Its activities cover retail and small-to-mid-sized corporate banking, including HUF and foreign-currency current accounts, debit cards, savings and term deposits, domestic and cross-border payments, and digital channels such as internet and mobile banking with strong customer authentication aligned to PSD2. The lending portfolio typically includes account overdrafts, consumer and housing loans, SME working-capital and investment loans, bank guarantees, and basic trade finance and foreign-exchange services for clients with cross-border needs. Deposits are protected by the Hungarian deposit guarantee scheme (Országos Betétbiztosítási Alap), which covers eligible balances up to the HUF equivalent of EUR 100,000 per depositor per institution, subject to statutory conditions and exclusions. Pricing follows a fee-based model common in the market, with monthly account packages, per-transaction charges, card issuance and annual fees, and currency conversion margins; applicable tariffs and interest rates are set out in published lists and may vary by segment and channel. Corporate governance and disclosure follow Hungarian and EU banking rules, with audited financial statements and prudential (Pillar 3) information released through official publications. The franchise is oriented toward households and SMEs in its core region, with a relatively compact branch footprint and emphasis on standard banking products rather than specialized investment or corporate-banking services.