A termékpályák fejlesztésén múlik a magyar agrárium jövője, ez lehet a kitörési pont

June 4, 2026

AI Summary

5 min read

In Hungarian agriculture, a quiet crisis is unfolding across multiple sectors at once. Crop farmers have seen income squeezed for years; livestock producers, particularly in dairy, have been under pressure for more than half a year. Dávid Hollósi, managing director of the Agri- and Food Industry Business Bank at MBH Bank, puts it plainly: for the last four to five years, almost every agricultural company has experienced a rougher revenue track than before. The central question is not whether the sector can survive a single bad year—it can, thanks to reserves built up between 2013 and 2020—but how long it can endure a sustained period of weak profitability, rising costs, and shrinking subsidies.

A sector that bends but does not break

Hollósi draws a sharp contrast between agriculture and other industries. In tourism or construction, a shock triggers immediate chain collapses. Agriculture is different. Farmers hold on. They amortize their machinery slowly, draw on land as a buffer, and keep producing even when margins disappear. This resilience has a psychological dimension: Hungarian farmers are famously reluctant to give up. But it also means that the sector can drift in a state of low-grade agony for years without a visible breaking point.

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What you'll learn

1 (00:00) **Opening: The Core Problem of Hungarian Agriculture** - The host introduces the central issue: a lack of cooperation and a "product line" (termékpálya) approach in Hungarian agriculture, despite the government's new emphasis on it.
2 (02:22) **Defining the "Product Line" (Termékpálya)** - The host and guest define the concept as a collaborative chain from producer to processor to trader, contrasting it with the current fragmented, adversarial system.
3 (03:13) **Current State of the Industry: A Multi-Year Decline** - Hollósi confirms a broad, multi-year decline in profitability across the Hungarian agrarian sector, visible from the bank's portfolio data.
4 (04:37) **Warning Signs: Financial Strain and Psychological Fatigue** - Despite good years from 2013-2020 providing a buffer, the sector is now in a "drag," with hundreds of billions of HUF missing from bank financing.
5 (07:41) **Why Agriculture Avoids Sudden Collapse** - The guest explains that agriculture has a unique resilience; unlike tourism or construction, it avoids massive, sudden bankruptcies, leading to a slow, drawn-out agony.
6 (09:53) **The Cultural Root: The Biggest Lack is Cooperation** - Hollósi identifies the biggest failure: an inability to think and act together. The culture of individualistic, "never give up" farming prevents the risk-sharing that a product line requires.
7 (12:28) **How Product Lines Form (and Don't)** - The guest explains that successful product lines are almost never organized from the bottom up by producers, but from the top down by the more concentrated food industry or trade.

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Show Notes

Az új kormány első perctől hangsúlyozza, hogy a magyar agrárium hosszú távú versenyképessége elképzelhetetlen a termékpálya-szemlélet erősítése és a szövetkezeti együttműködések újragondolása nélkül. Ezek fontosságát az ágazat szakértői hosszú ideje hangsúlyozzák, sok termelő viszont következetesen vonakodik tőle, mintha még ennyi problémával együtt sem lenne elég erős a kényszer az összefogásra. Ennek hátteréről és a lehetséges következményekről beszél az Alapvetés podcast mai adásában Hollósi Dávid, az MBH Bank Agrár- és Élelmiszeripari Üzletágának ügyvezető igazgatója.

Az epizód megjelenését az MBH Bank támogatta.

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