Financial highlights

Consolidated financial highlights and share data

Main components of the Statement of recognised income in HUF million

1Q 20244Q 20241Q 2025Q-o-QY-o-Y
Consolidated profit after tax239 962249 735188 576-24%-21%
Adjustments (after tax) (total)000  
Consolidated adjusted profit after tax239 962249 735188 576-24%-21%
Pre-tax profit341 231315 858375 18919%10%
Operating profit334 330408 320408 0700%22%
Total income597 615705 860689 627-2%15%
Net interest income435 345460 720465 4081%7%
Net fees and commissions121 161148 295139 261-6%15%
Other net non-interest income41 10996 84584 958-12%107%
Operating expenses-263 286-297 540-281 557-5%7%
Total risk costs6 902-92 462-32 881-64% 
Corporate taxes-101 270-66 123-186 613182%84%

1Q 2024

4Q 2024

1Q 2025

Q-o-Q

Y-o-Y

  • Consolidated profit after tax239 962
  • Adjustments (after tax) (total)0
  • Consolidated adjusted profit after tax239 962
  • Pre-tax profit341 231
  • Operating profit334 330
  • Total income597 615
  • Net interest income435 345
  • Net fees and commissions121 161
  • Other net non-interest income41 109
  • Operating expenses-263 286
  • Total risk costs6 902
  • Corporate taxes-101 270
  • Consolidated profit after tax249 735
  • Adjustments (after tax) (total)0
  • Consolidated adjusted profit after tax249 735
  • Pre-tax profit315 858
  • Operating profit408 320
  • Total income705 860
  • Net interest income460 720
  • Net fees and commissions148 295
  • Other net non-interest income96 845
  • Operating expenses-297 540
  • Total risk costs-92 462
  • Corporate taxes-66 123
  • 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 tax-24%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax-24%
  • Pre-tax profit19%
  • Operating profit0%
  • Total income-2%
  • Net interest income1%
  • Net fees and commissions-6%
  • Other net non-interest income-12%
  • Operating expenses-5%
  • Total risk costs-64%
  • Corporate taxes182%
  • Consolidated profit after tax-21%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax-21%
  • Pre-tax profit10%
  • Operating profit22%
  • Total income15%
  • Net interest income7%
  • Net fees and commissions15%
  • Other net non-interest income107%
  • Operating expenses7%
  • Total risk costs 
  • Corporate taxes84%

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

1Q 20244Q 20241Q 2025Q-o-QY-o-Y
Total assets41 481 98743 419 12844 332 7972%7%
Total customer loans (net, FX adjusted)22 597 52123 165 82023 824 8943%5%
Total customer loans (gross, FX adjusted)23 642 00224 140 49024 814 1303%5%
Performing (Stage 1+2) customer loans (gross, FX-adjusted)22 633 62523 263 06223 940 4223%6%
Allowances for possible loan losses (FX adjusted)-1 044 481-974 670-989 2351%-5%
Total customer deposits (FX adjusted)30 825 29031 471 87432 425 2933%5%
Issued securities2 207 0772 593 1242 280 443-12%3%
Subordinated loans591 181369 359545 69348%-8%
Total shareholders' equity4 438 9805 120 0125 224 5372%18%

1Q 2024

4Q 2024

1Q 2025

Q-o-Q

Y-o-Y

  • Total assets41 481 987
  • Total customer loans (net, FX adjusted)22 597 521
  • Total customer loans (gross, FX adjusted)23 642 002
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)22 633 625
  • Allowances for possible loan losses (FX adjusted)-1 044 481
  • Total customer deposits (FX adjusted)30 825 290
  • Issued securities2 207 077
  • Subordinated loans591 181
  • Total shareholders' equity4 438 980
  • Total assets43 419 128
  • Total customer loans (net, FX adjusted)23 165 820
  • Total customer loans (gross, FX adjusted)24 140 490
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)23 263 062
  • Allowances for possible loan losses (FX adjusted)-974 670
  • Total customer deposits (FX adjusted)31 471 874
  • Issued securities2 593 124
  • Subordinated loans369 359
  • Total shareholders' equity5 120 012
  • Total assets44 332 797
  • Total customer loans (net, FX adjusted)23 824 894
  • Total customer loans (gross, FX adjusted)24 814 130
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)23 940 422
  • Allowances for possible loan losses (FX adjusted)-989 235
  • Total customer deposits (FX adjusted)32 425 293
  • Issued securities2 280 443
  • Subordinated loans545 693
  • Total shareholders' equity5 224 537
  • Total assets2%
  • Total customer loans (net, FX adjusted)3%
  • Total customer loans (gross, FX adjusted)3%
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)3%
  • Allowances for possible loan losses (FX adjusted)1%
  • Total customer deposits (FX adjusted)3%
  • Issued securities-12%
  • Subordinated loans48%
  • Total shareholders' equity2%
  • Total assets7%
  • Total customer loans (net, FX adjusted)5%
  • Total customer loans (gross, FX adjusted)5%
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)6%
  • Allowances for possible loan losses (FX adjusted)-5%
  • Total customer deposits (FX adjusted)5%
  • Issued securities3%
  • Subordinated loans-8%
  • Total shareholders' equity18%

Indicators based on adjusted earnings %

1Q 20244Q 20241Q 2025Q-o-QY-o-Y
ROE (from profit after tax)22,7%19,8%14,9%-4,9%p-7,7%p
ROE (from adjusted profit after tax)22,7%19,8%14,9%-4,9%p-7,7%p
ROA (from profit after tax)2,4%2,3%1,7%-0,6%p-0,6%p
ROA (from adjusted profit after tax)2,4%2,3%1,7%-0,6%p-0,6%p
Operating profit margin3,31%3,79%3,74%-0,04%p0,44%p
Total income margin5,91%6,55%6,33%-0,22%p0,42%p
Net interest margin4,30%4,27%4,27%0,00%p-0,03%p
Cost-to-asset ratio2,60%2,76%2,58%-0,18%p-0,02%p
Cost/income ratio44,1%42,2%40,8%-1,3%p-3,2%p
Provision for impairment on loan losses-to-average gross loans ratio-0,17%0,97%0,40%-0,56%p0,57%p
Total risk cost-to-asset ratio-0,07%0,86%0,30%-0,56%p0,37%p
Effective tax rate29,7%20,9%49,7%28,8%p20,1%p
Net loan/deposit ratio (FX-adjusted)73%74%73%0%p0%p
Capital adequacy ratio (consolidated, IFRS) - Basel319,0%20,3%20,0%-0,4%p1,0%p
Tier1 ratio - Basel316,7%18,9%18,0%-0,9%p1,3%p
Common Equity Tier 1 ('CET1') ratio - Basel316,7%18,9%18,0%-0,9%p1,3%p

1Q 2024

4Q 2024

1Q 2025

Q-o-Q

Y-o-Y

  • ROE (from profit after tax)22,7%
  • ROE (from adjusted profit after tax)22,7%
  • ROA (from profit after tax)2,4%
  • ROA (from adjusted profit after tax)2,4%
  • Operating profit margin3,31%
  • Total income margin5,91%
  • Net interest margin4,30%
  • Cost-to-asset ratio2,60%
  • Cost/income ratio44,1%
  • Provision for impairment on loan losses-to-average gross loans ratio-0,17%
  • Total risk cost-to-asset ratio-0,07%
  • Effective tax rate29,7%
  • Net loan/deposit ratio (FX-adjusted)73%
  • Capital adequacy ratio (consolidated, IFRS) - Basel319,0%
  • Tier1 ratio - Basel316,7%
  • Common Equity Tier 1 ('CET1') ratio - Basel316,7%
  • ROE (from profit after tax)19,8%
  • ROE (from adjusted profit after tax)19,8%
  • ROA (from profit after tax)2,3%
  • ROA (from adjusted profit after tax)2,3%
  • Operating profit margin3,79%
  • Total income margin6,55%
  • Net interest margin4,27%
  • Cost-to-asset ratio2,76%
  • Cost/income ratio42,2%
  • Provision for impairment on loan losses-to-average gross loans ratio0,97%
  • Total risk cost-to-asset ratio0,86%
  • Effective tax rate20,9%
  • Net loan/deposit ratio (FX-adjusted)74%
  • Capital adequacy ratio (consolidated, IFRS) - Basel320,3%
  • Tier1 ratio - Basel318,9%
  • Common Equity Tier 1 ('CET1') ratio - Basel318,9%
  • 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)73%
  • Capital adequacy ratio (consolidated, IFRS) - Basel320,0%
  • Tier1 ratio - Basel318,0%
  • Common Equity Tier 1 ('CET1') ratio - Basel318,0%
  • ROE (from profit after tax)-4,9%p
  • ROE (from adjusted profit after tax)-4,9%p
  • ROA (from profit after tax)-0,6%p
  • ROA (from adjusted profit after tax)-0,6%p
  • Operating profit margin-0,04%p
  • Total income margin-0,22%p
  • Net interest margin0,00%p
  • Cost-to-asset ratio-0,18%p
  • Cost/income ratio-1,3%p
  • Provision for impairment on loan losses-to-average gross loans ratio-0,56%p
  • Total risk cost-to-asset ratio-0,56%p
  • Effective tax rate28,8%p
  • Net loan/deposit ratio (FX-adjusted)0%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel3-0,4%p
  • Tier1 ratio - Basel3-0,9%p
  • Common Equity Tier 1 ('CET1') ratio - Basel3-0,9%p
  • ROE (from profit after tax)-7,7%p
  • ROE (from adjusted profit after tax)-7,7%p
  • ROA (from profit after tax)-0,6%p
  • ROA (from adjusted profit after tax)-0,6%p
  • Operating profit margin0,44%p
  • Total income margin0,42%p
  • Net interest margin-0,03%p
  • Cost-to-asset ratio-0,02%p
  • Cost/income ratio-3,2%p
  • Provision for impairment on loan losses-to-average gross loans ratio0,57%p
  • Total risk cost-to-asset ratio0,37%p
  • Effective tax rate20,1%p
  • Net loan/deposit ratio (FX-adjusted)0%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel31,0%p
  • Tier1 ratio - Basel31,3%p
  • Common Equity Tier 1 ('CET1') ratio - Basel31,3%p

Share Data

1Q 20244Q 20241Q 2025Q-o-QY-o-Y
EPS diluted (HUF) (from profit after tax)895948721-82%-19%
EPS diluted (HUF) (from adjusted profit after tax)898952728-82%-19%
Closing price (HUF)16 80021 69025 00015%49%
Highest closing price (HUF)17 52022 10026 60020%52%
Lowest closing price (HUF)15 60018 35021 52038%38%
Market Capitalization (EUR billion)11,914,817,418%47%
Book Value Per Share (HUF)16 61119 52720 1594%21%
Tangible Book Value Per Share (HUF)15 89218 68419 3695%22%
Price/Book Value1,01,11,211%23%
Price/Tangible Book Value1,11,21,310%22%
P/E (trailing, from profit after tax)4,55,66,821%50%
P/E (trailing, from adjusted profit after tax)4,55,66,821%51%
Average daily turnover (EUR million)18233275%76%
Average daily turnover (million share)0,40,50,536%28%

1Q 2024

4Q 2024

1Q 2025

Q-o-Q

Y-o-Y

  • EPS diluted (HUF) (from profit after tax)895
  • EPS diluted (HUF) (from adjusted profit after tax)898
  • Closing price (HUF)16 800
  • Highest closing price (HUF)17 520
  • Lowest closing price (HUF)15 600
  • Market Capitalization (EUR billion)11,9
  • Book Value Per Share (HUF)16 611
  • Tangible Book Value Per Share (HUF)15 892
  • Price/Book Value1,0
  • Price/Tangible Book Value1,1
  • P/E (trailing, from profit after tax)4,5
  • P/E (trailing, from adjusted profit after tax)4,5
  • Average daily turnover (EUR million)18
  • Average daily turnover (million share)0,4
  • EPS diluted (HUF) (from profit after tax)948
  • EPS diluted (HUF) (from adjusted profit after tax)952
  • Closing price (HUF)21 690
  • Highest closing price (HUF)22 100
  • Lowest closing price (HUF)18 350
  • Market Capitalization (EUR billion)14,8
  • Book Value Per Share (HUF)19 527
  • Tangible Book Value Per Share (HUF)18 684
  • Price/Book Value1,1
  • Price/Tangible Book Value1,2
  • P/E (trailing, from profit after tax)5,6
  • P/E (trailing, from adjusted profit after tax)5,6
  • Average daily turnover (EUR million)23
  • Average daily turnover (million share)0,5
  • 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)-82%
  • EPS diluted (HUF) (from adjusted profit after tax)-82%
  • Closing price (HUF)15%
  • Highest closing price (HUF)20%
  • Lowest closing price (HUF)38%
  • Market Capitalization (EUR billion)18%
  • Book Value Per Share (HUF)4%
  • Tangible Book Value Per Share (HUF)5%
  • Price/Book Value11%
  • Price/Tangible Book Value10%
  • P/E (trailing, from profit after tax)21%
  • P/E (trailing, from adjusted profit after tax)21%
  • Average daily turnover (EUR million)75%
  • Average daily turnover (million share)36%
  • EPS diluted (HUF) (from profit after tax)-19%
  • EPS diluted (HUF) (from adjusted profit after tax)-19%
  • Closing price (HUF)49%
  • Highest closing price (HUF)52%
  • Lowest closing price (HUF)38%
  • Market Capitalization (EUR billion)47%
  • Book Value Per Share (HUF)21%
  • Tangible Book Value Per Share (HUF)22%
  • Price/Book Value23%
  • Price/Tangible Book Value22%
  • P/E (trailing, from profit after tax)50%
  • P/E (trailing, from adjusted profit after tax)51%
  • Average daily turnover (EUR million)76%
  • Average daily turnover (million share)28%

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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