Financial highlights
Consolidated financial highlights and share data
Main components of the Statement of recognised income in HUF million
1Q 2024 | 4Q 2024 | 1Q 2025 | Q-o-Q | Y-o-Y | |
---|---|---|---|---|---|
Consolidated profit after tax | 239 962 | 249 735 | 188 576 | -24% | -21% |
Adjustments (after tax) (total) | 0 | 0 | 0 | ||
Consolidated adjusted profit after tax | 239 962 | 249 735 | 188 576 | -24% | -21% |
Pre-tax profit | 341 231 | 315 858 | 375 189 | 19% | 10% |
Operating profit | 334 330 | 408 320 | 408 070 | 0% | 22% |
Total income | 597 615 | 705 860 | 689 627 | -2% | 15% |
Net interest income | 435 345 | 460 720 | 465 408 | 1% | 7% |
Net fees and commissions | 121 161 | 148 295 | 139 261 | -6% | 15% |
Other net non-interest income | 41 109 | 96 845 | 84 958 | -12% | 107% |
Operating expenses | -263 286 | -297 540 | -281 557 | -5% | 7% |
Total risk costs | 6 902 | -92 462 | -32 881 | -64% | |
Corporate taxes | -101 270 | -66 123 | -186 613 | 182% | 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 2024 | 4Q 2024 | 1Q 2025 | Q-o-Q | Y-o-Y | |
---|---|---|---|---|---|
Total assets | 41 481 987 | 43 419 128 | 44 332 797 | 2% | 7% |
Total customer loans (net, FX adjusted) | 22 597 521 | 23 165 820 | 23 824 894 | 3% | 5% |
Total customer loans (gross, FX adjusted) | 23 642 002 | 24 140 490 | 24 814 130 | 3% | 5% |
Performing (Stage 1+2) customer loans (gross, FX-adjusted) | 22 633 625 | 23 263 062 | 23 940 422 | 3% | 6% |
Allowances for possible loan losses (FX adjusted) | -1 044 481 | -974 670 | -989 235 | 1% | -5% |
Total customer deposits (FX adjusted) | 30 825 290 | 31 471 874 | 32 425 293 | 3% | 5% |
Issued securities | 2 207 077 | 2 593 124 | 2 280 443 | -12% | 3% |
Subordinated loans | 591 181 | 369 359 | 545 693 | 48% | -8% |
Total shareholders' equity | 4 438 980 | 5 120 012 | 5 224 537 | 2% | 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 2024 | 4Q 2024 | 1Q 2025 | Q-o-Q | Y-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 margin | 3,31% | 3,79% | 3,74% | -0,04%p | 0,44%p |
Total income margin | 5,91% | 6,55% | 6,33% | -0,22%p | 0,42%p |
Net interest margin | 4,30% | 4,27% | 4,27% | 0,00%p | -0,03%p |
Cost-to-asset ratio | 2,60% | 2,76% | 2,58% | -0,18%p | -0,02%p |
Cost/income ratio | 44,1% | 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%p | 0,57%p |
Total risk cost-to-asset ratio | -0,07% | 0,86% | 0,30% | -0,56%p | 0,37%p |
Effective tax rate | 29,7% | 20,9% | 49,7% | 28,8%p | 20,1%p |
Net loan/deposit ratio (FX-adjusted) | 73% | 74% | 73% | 0%p | 0%p |
Capital adequacy ratio (consolidated, IFRS) - Basel3 | 19,0% | 20,3% | 20,0% | -0,4%p | 1,0%p |
Tier1 ratio - Basel3 | 16,7% | 18,9% | 18,0% | -0,9%p | 1,3%p |
Common Equity Tier 1 ('CET1') ratio - Basel3 | 16,7% | 18,9% | 18,0% | -0,9%p | 1,3%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 2024 | 4Q 2024 | 1Q 2025 | Q-o-Q | Y-o-Y | |
---|---|---|---|---|---|
EPS diluted (HUF) (from profit after tax) | 895 | 948 | 721 | -82% | -19% |
EPS diluted (HUF) (from adjusted profit after tax) | 898 | 952 | 728 | -82% | -19% |
Closing price (HUF) | 16 800 | 21 690 | 25 000 | 15% | 49% |
Highest closing price (HUF) | 17 520 | 22 100 | 26 600 | 20% | 52% |
Lowest closing price (HUF) | 15 600 | 18 350 | 21 520 | 38% | 38% |
Market Capitalization (EUR billion) | 11,9 | 14,8 | 17,4 | 18% | 47% |
Book Value Per Share (HUF) | 16 611 | 19 527 | 20 159 | 4% | 21% |
Tangible Book Value Per Share (HUF) | 15 892 | 18 684 | 19 369 | 5% | 22% |
Price/Book Value | 1,0 | 1,1 | 1,2 | 11% | 23% |
Price/Tangible Book Value | 1,1 | 1,2 | 1,3 | 10% | 22% |
P/E (trailing, from profit after tax) | 4,5 | 5,6 | 6,8 | 21% | 50% |
P/E (trailing, from adjusted profit after tax) | 4,5 | 5,6 | 6,8 | 21% | 51% |
Average daily turnover (EUR million) | 18 | 23 | 32 | 75% | 76% |
Average daily turnover (million share) | 0,4 | 0,5 | 0,5 | 36% | 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
Read moreBSE quarterly reports
Regular BSE quarterly reports, interim management reports and the condensed IFRS financial reports
Read moreIFRS reports
Financial statements in accordance with International Financial Reporting Standards (IFRS)
Read moreSustainability reports
Sustainability reports reviewing the corporate responsibility activities of the OTP Group
Read moreCorporate governance reports
Corporate governance reports providing annual discloure on the corporate governance system of OTP Bank
Read moreDisclosure requirement
Disclosure requirement according to Basel II
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