Financial highlights

Consolidated financial highlights and share data

Main components of the Statement of recognised income in HUF million

2Q 20241Q 20252Q 2025Q-o-QY-o-Y
Consolidated profit after tax267 930188 576330 01575%23%
Adjustments (after tax) (total)000  
Consolidated adjusted profit after tax267 930188 576330 01575%23%
Pre-tax profit341 121375 189394 2705%16%
Operating profit387 239408 070460 77713%19%
Total income654 308689 627747 1118%14%
Net interest income442 305465 408480 9753%9%
Net fees and commissions138 690139 261151 9879%10%
Other net non-interest income73 31384 958114 14934%56%
Operating expenses-267 069-281 557-286 3352%7%
Total risk costs-46 118-32 881-66 506102%44%
Corporate taxes-73 192-186 613-64 255-66%-12%

2Q 2024

1Q 2025

2Q 2025

Q-o-Q

Y-o-Y

  • Consolidated profit after tax267 930
  • Adjustments (after tax) (total)0
  • Consolidated adjusted profit after tax267 930
  • Pre-tax profit341 121
  • Operating profit387 239
  • Total income654 308
  • Net interest income442 305
  • Net fees and commissions138 690
  • Other net non-interest income73 313
  • Operating expenses-267 069
  • Total risk costs-46 118
  • Corporate taxes-73 192
  • Consolidated profit after tax188 576
  • Adjustments (after tax) (total)0
  • Consolidated adjusted profit after tax188 576
  • Pre-tax profit375 189
  • Operating profit408 070
  • Total income689 627
  • Net interest income465 408
  • Net fees and commissions139 261
  • Other net non-interest income84 958
  • Operating expenses-281 557
  • Total risk costs-32 881
  • Corporate taxes-186 613
  • Consolidated profit after tax330 015
  • Adjustments (after tax) (total)0
  • Consolidated adjusted profit after tax330 015
  • Pre-tax profit394 270
  • Operating profit460 777
  • Total income747 111
  • Net interest income480 975
  • Net fees and commissions151 987
  • Other net non-interest income114 149
  • Operating expenses-286 335
  • Total risk costs-66 506
  • Corporate taxes-64 255
  • Consolidated profit after tax75%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax75%
  • Pre-tax profit5%
  • Operating profit13%
  • Total income8%
  • Net interest income3%
  • Net fees and commissions9%
  • Other net non-interest income34%
  • Operating expenses2%
  • Total risk costs102%
  • Corporate taxes-66%
  • Consolidated profit after tax23%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax23%
  • Pre-tax profit16%
  • Operating profit19%
  • Total income14%
  • Net interest income9%
  • Net fees and commissions10%
  • Other net non-interest income56%
  • Operating expenses7%
  • Total risk costs44%
  • Corporate taxes-12%

Main components of the adjusted balance sheet (closing balances in HUF million)

2Q 20241Q 20252Q 2025Q-o-QY-o-Y
Total assets42 523 60444 332 79744 337 7490%4%
Total customer loans (net, FX adjusted)23 021 35023 640 34424 474 1674%6%
Total customer loans (gross, FX adjusted)24 061 64124 615 34225 485 1504%6%
Performing (Stage 1+2) customer loans (gross, FX-adjusted)23 051 78423 756 40524 611 7244%7%
Allowances for possible loan losses (FX adjusted)-1 040 292-974 999-1 010 9834%-3%
Total customer deposits (FX adjusted)31 053 01332 129 43632 753 7372%5%
Issued securities2 580 4022 280 4432 356 9873%-9%
Subordinated loans586 216545 693497 273-9%-15%
Total shareholders' equity4 548 1425 224 5375 239 3460%15%

2Q 2024

1Q 2025

2Q 2025

Q-o-Q

Y-o-Y

  • Total assets42 523 604
  • Total customer loans (net, FX adjusted)23 021 350
  • Total customer loans (gross, FX adjusted)24 061 641
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)23 051 784
  • Allowances for possible loan losses (FX adjusted)-1 040 292
  • Total customer deposits (FX adjusted)31 053 013
  • Issued securities2 580 402
  • Subordinated loans586 216
  • Total shareholders' equity4 548 142
  • Total assets44 332 797
  • Total customer loans (net, FX adjusted)23 640 344
  • Total customer loans (gross, FX adjusted)24 615 342
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)23 756 405
  • Allowances for possible loan losses (FX adjusted)-974 999
  • Total customer deposits (FX adjusted)32 129 436
  • Issued securities2 280 443
  • Subordinated loans545 693
  • Total shareholders' equity5 224 537
  • Total assets44 337 749
  • Total customer loans (net, FX adjusted)24 474 167
  • Total customer loans (gross, FX adjusted)25 485 150
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)24 611 724
  • Allowances for possible loan losses (FX adjusted)-1 010 983
  • Total customer deposits (FX adjusted)32 753 737
  • Issued securities2 356 987
  • Subordinated loans497 273
  • Total shareholders' equity5 239 346
  • Total assets0%
  • Total customer loans (net, FX adjusted)4%
  • Total customer loans (gross, FX adjusted)4%
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)4%
  • Allowances for possible loan losses (FX adjusted)4%
  • Total customer deposits (FX adjusted)2%
  • Issued securities3%
  • Subordinated loans-9%
  • Total shareholders' equity0%
  • Total assets4%
  • Total customer loans (net, FX adjusted)6%
  • Total customer loans (gross, FX adjusted)6%
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)7%
  • Allowances for possible loan losses (FX adjusted)-3%
  • Total customer deposits (FX adjusted)5%
  • Issued securities-9%
  • Subordinated loans-15%
  • Total shareholders' equity15%

Indicators based on adjusted earnings %

2Q 20241Q 20252Q 2025Q-o-QY-o-Y
ROE (from profit after tax)24.4%14.9%25.6%10.7%p1.2%p
ROE (from adjusted profit after tax)24.4%14.9%25.6%10.7%p1.2%p
ROA (from profit after tax)2.6%1.7%3.0%1.2%p0.4%p
ROA (from adjusted profit after tax)2.6%1.7%3.0%1.2%p0.4%p
Operating profit margin3.74%3.74%4.13%0.39%p0.40%p
Total income margin6.31%6.33%6.70%0.37%p0.39%p
Net interest margin4.27%4.27%4.31%0.04%p0.05%p
Cost-to-asset ratio2.58%2.58%2.57%-0.02%p-0.01%p
Cost/income ratio40.8%40.8%38.3%-2.5%p-2.5%p
Provision for impairment on loan losses-to-average gross loans ratio0.45%0.40%0.91%0.51%p0.46%p
Total risk cost-to-asset ratio0.44%0.30%0.60%0.29%p0.15%p
Effective tax rate21.5%49.7%16.3%-33.4%p-5.2%p
Net loan/deposit ratio (FX-adjusted)74%74%75%1%p1%p
Capital adequacy ratio (consolidated, IFRS) - Basel318.8%20.0%19.8%-0.2%p1.0%p
Tier1 ratio - Basel317.4%18.0%18.0%0.0%p0.6%p
Common Equity Tier 1 ('CET1') ratio - Basel317.4%18.0%18.0%0.0%p0.6%p

2Q 2024

1Q 2025

2Q 2025

Q-o-Q

Y-o-Y

  • ROE (from profit after tax)24.4%
  • ROE (from adjusted profit after tax)24.4%
  • ROA (from profit after tax)2.6%
  • ROA (from adjusted profit after tax)2.6%
  • Operating profit margin3.74%
  • Total income margin6.31%
  • Net interest margin4.27%
  • Cost-to-asset ratio2.58%
  • Cost/income ratio40.8%
  • Provision for impairment on loan losses-to-average gross loans ratio0.45%
  • Total risk cost-to-asset ratio0.44%
  • Effective tax rate21.5%
  • Net loan/deposit ratio (FX-adjusted)74%
  • Capital adequacy ratio (consolidated, IFRS) - Basel318.8%
  • Tier1 ratio - Basel317.4%
  • Common Equity Tier 1 ('CET1') ratio - Basel317.4%
  • ROE (from profit after tax)14.9%
  • ROE (from adjusted profit after tax)14.9%
  • ROA (from profit after tax)1.7%
  • ROA (from adjusted profit after tax)1.7%
  • Operating profit margin3.74%
  • Total income margin6.33%
  • Net interest margin4.27%
  • Cost-to-asset ratio2.58%
  • Cost/income ratio40.8%
  • Provision for impairment on loan losses-to-average gross loans ratio0.40%
  • Total risk cost-to-asset ratio0.30%
  • Effective tax rate49.7%
  • Net loan/deposit ratio (FX-adjusted)74%
  • Capital adequacy ratio (consolidated, IFRS) - Basel320.0%
  • Tier1 ratio - Basel318.0%
  • Common Equity Tier 1 ('CET1') ratio - Basel318.0%
  • ROE (from profit after tax)25.6%
  • ROE (from adjusted profit after tax)25.6%
  • ROA (from profit after tax)3.0%
  • ROA (from adjusted profit after tax)3.0%
  • Operating profit margin4.13%
  • Total income margin6.70%
  • Net interest margin4.31%
  • Cost-to-asset ratio2.57%
  • Cost/income ratio38.3%
  • Provision for impairment on loan losses-to-average gross loans ratio0.91%
  • Total risk cost-to-asset ratio0.60%
  • Effective tax rate16.3%
  • Net loan/deposit ratio (FX-adjusted)75%
  • Capital adequacy ratio (consolidated, IFRS) - Basel319.8%
  • Tier1 ratio - Basel318.0%
  • Common Equity Tier 1 ('CET1') ratio - Basel318.0%
  • ROE (from profit after tax)10.7%p
  • ROE (from adjusted profit after tax)10.7%p
  • ROA (from profit after tax)1.2%p
  • ROA (from adjusted profit after tax)1.2%p
  • Operating profit margin0.39%p
  • Total income margin0.37%p
  • Net interest margin0.04%p
  • Cost-to-asset ratio-0.02%p
  • Cost/income ratio-2.5%p
  • Provision for impairment on loan losses-to-average gross loans ratio0.51%p
  • Total risk cost-to-asset ratio0.29%p
  • Effective tax rate-33.4%p
  • Net loan/deposit ratio (FX-adjusted)1%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel3-0.2%p
  • Tier1 ratio - Basel30.0%p
  • Common Equity Tier 1 ('CET1') ratio - Basel30.0%p
  • ROE (from profit after tax)1.2%p
  • ROE (from adjusted profit after tax)1.2%p
  • ROA (from profit after tax)0.4%p
  • ROA (from adjusted profit after tax)0.4%p
  • Operating profit margin0.40%p
  • Total income margin0.39%p
  • Net interest margin0.05%p
  • Cost-to-asset ratio-0.01%p
  • Cost/income ratio-2.5%p
  • Provision for impairment on loan losses-to-average gross loans ratio0.46%p
  • Total risk cost-to-asset ratio0.15%p
  • Effective tax rate-5.2%p
  • Net loan/deposit ratio (FX-adjusted)1%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel31.0%p
  • Tier1 ratio - Basel30.6%p
  • Common Equity Tier 1 ('CET1') ratio - Basel30.6%p

Share Data

2Q 20241Q 20252Q 2025Q-o-QY-o-Y
EPS diluted (HUF) (from profit after tax)1 0067211 27377%27%
EPS diluted (HUF) (from adjusted profit after tax)1 0097281 27976%27%
Closing price (HUF)18 32525 00027 1008%48%
Highest closing price (HUF)18 60026 60028 4907%53%
Lowest closing price (HUF)16 80021 52022 2003%32%
Market Capitalization (EUR billion)13.017,419,09%46%
Book Value Per Share (HUF)17 13520 15920 3001%18%
Tangible Book Value Per Share (HUF)16 38719 36919 5011%19%
Price/Book Value1.11.21.38%25%
Price/Tangible Book Value1.11.31.48%24%
P/E (trailing, from profit after tax)5.66.87.02%25%
P/E (trailing, from adjusted profit after tax)5.16.87.02%38%
Average daily turnover (EUR million)173229-11%73%
Average daily turnover (million share)0.40.50.5-15%24%

2Q 2024

1Q 2025

2Q 2025

Q-o-Q

Y-o-Y

  • EPS diluted (HUF) (from profit after tax)1 006
  • EPS diluted (HUF) (from adjusted profit after tax)1 009
  • Closing price (HUF)18 325
  • Highest closing price (HUF)18 600
  • Lowest closing price (HUF)16 800
  • Market Capitalization (EUR billion)13.0
  • Book Value Per Share (HUF)17 135
  • Tangible Book Value Per Share (HUF)16 387
  • Price/Book Value1.1
  • Price/Tangible Book Value1.1
  • P/E (trailing, from profit after tax)5.6
  • P/E (trailing, from adjusted profit after tax)5.1
  • Average daily turnover (EUR million)17
  • Average daily turnover (million share)0.4
  • EPS diluted (HUF) (from profit after tax)721
  • EPS diluted (HUF) (from adjusted profit after tax)728
  • Closing price (HUF)25 000
  • Highest closing price (HUF)26 600
  • Lowest closing price (HUF)21 520
  • Market Capitalization (EUR billion)17,4
  • Book Value Per Share (HUF)20 159
  • Tangible Book Value Per Share (HUF)19 369
  • Price/Book Value1.2
  • Price/Tangible Book Value1.3
  • P/E (trailing, from profit after tax)6.8
  • P/E (trailing, from adjusted profit after tax)6.8
  • Average daily turnover (EUR million)32
  • Average daily turnover (million share)0.5
  • EPS diluted (HUF) (from profit after tax)1 273
  • EPS diluted (HUF) (from adjusted profit after tax)1 279
  • Closing price (HUF)27 100
  • Highest closing price (HUF)28 490
  • Lowest closing price (HUF)22 200
  • Market Capitalization (EUR billion)19,0
  • Book Value Per Share (HUF)20 300
  • Tangible Book Value Per Share (HUF)19 501
  • Price/Book Value1.3
  • Price/Tangible Book Value1.4
  • P/E (trailing, from profit after tax)7.0
  • P/E (trailing, from adjusted profit after tax)7.0
  • Average daily turnover (EUR million)29
  • Average daily turnover (million share)0.5
  • EPS diluted (HUF) (from profit after tax)77%
  • EPS diluted (HUF) (from adjusted profit after tax)76%
  • Closing price (HUF)8%
  • Highest closing price (HUF)7%
  • Lowest closing price (HUF)3%
  • Market Capitalization (EUR billion)9%
  • Book Value Per Share (HUF)1%
  • Tangible Book Value Per Share (HUF)1%
  • Price/Book Value8%
  • Price/Tangible Book Value8%
  • P/E (trailing, from profit after tax)2%
  • P/E (trailing, from adjusted profit after tax)2%
  • Average daily turnover (EUR million)-11%
  • Average daily turnover (million share)-15%
  • EPS diluted (HUF) (from profit after tax)27%
  • EPS diluted (HUF) (from adjusted profit after tax)27%
  • Closing price (HUF)48%
  • Highest closing price (HUF)53%
  • Lowest closing price (HUF)32%
  • Market Capitalization (EUR billion)46%
  • Book Value Per Share (HUF)18%
  • Tangible Book Value Per Share (HUF)19%
  • Price/Book Value25%
  • Price/Tangible Book Value24%
  • P/E (trailing, from profit after tax)25%
  • P/E (trailing, from adjusted profit after tax)38%
  • Average daily turnover (EUR million)73%
  • Average daily turnover (million share)24%

For further information please view the following pages

Annual reports

Annual reports of OTP Bank

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BSE quarterly reports

Regular BSE quarterly reports, interim management reports and the condensed IFRS financial reports

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IFRS reports

Financial statements in accordance with International Financial Reporting Standards (IFRS)

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Sustainability reports

Sustainability reports reviewing the corporate responsibility activities of the OTP Group

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Corporate governance reports

Corporate governance reports providing annual discloure on the corporate governance system of OTP Bank

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Disclosure requirement

Disclosure requirement according to Basel II

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