Financial highlights

Consolidated financial highlights and share data

Main components of the Statement of recognised income in HUF million

2Q 20251Q 20262Q 2026Q-o-QY-o-Y
Consolidated profit after tax330 015176 970305 76773%-7%
Adjustments (after tax) (total)000  
Consolidated adjusted profit after tax330 015176 970305 76773%-7%
Pre-tax profit394 270419 633374 490-11%-5%
Operating profit460 777435 056442 7332%-4%
Total income747 111754 317757 8660%1%
Net interest income480 975527 282541 3963%13%
Net fees and commissions151 987137 878152 38511%0%
Other net non-interest income114 14989 15664 085-28%-44%
Operating expenses-286 335-319 260-315 133-1%10%
Total risk costs-66 506-15 423-68 243342%3%
Corporate taxes-64 255-242 662-68 723-72%7%

2Q 2025

1Q 2026

2Q 2026

Q-o-Q

Y-o-Y

  • 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 tax176 970
  • Adjustments (after tax) (total)0
  • Consolidated adjusted profit after tax176 970
  • Pre-tax profit419 633
  • Operating profit435 056
  • Total income754 317
  • Net interest income527 282
  • Net fees and commissions137 878
  • Other net non-interest income89 156
  • Operating expenses-319 260
  • Total risk costs-15 423
  • Corporate taxes-242 662
  • Consolidated profit after tax305 767
  • Adjustments (after tax) (total)0
  • Consolidated adjusted profit after tax305 767
  • Pre-tax profit374 490
  • Operating profit442 733
  • Total income757 866
  • Net interest income541 396
  • Net fees and commissions152 385
  • Other net non-interest income64 085
  • Operating expenses-315 133
  • Total risk costs-68 243
  • Corporate taxes-68 723
  • Consolidated profit after tax73%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax73%
  • Pre-tax profit-11%
  • Operating profit2%
  • Total income0%
  • Net interest income3%
  • Net fees and commissions11%
  • Other net non-interest income-28%
  • Operating expenses-1%
  • Total risk costs342%
  • Corporate taxes-72%
  • Consolidated profit after tax-7%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax-7%
  • Pre-tax profit-5%
  • Operating profit-4%
  • Total income1%
  • Net interest income13%
  • Net fees and commissions0%
  • Other net non-interest income-44%
  • Operating expenses10%
  • Total risk costs3%
  • Corporate taxes7%

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

2Q 20251Q 20262Q 2026Q-o-QY-o-Y
Total assets44 337 74947 860 61946 666 664-2%5%
Total customer loans (net, FX adjusted)22 537 01125 260 22426 457 0185%17%
Total customer loans (gross, FX adjusted)23 474 21826 246 61227 451 6235%17%
Performing (Stage 1+2) customer loans (gross, FX-adjusted)22 662 20625 359 76726 579 5275%17%
Allowances for possible loan losses (FX adjusted)-937 207-986 389-994 6051%6%
Total customer deposits (FX adjusted)30 243 83232 973 01033 746 7902%12%
Issued securities2 356 9872 922 8812 724 590-7%16%
Subordinated bond and loans497 273493 849807 83664%62%
Total shareholders' equity5 239 3465 821 9205 508 896-5%5%

2Q 2025

1Q 2026

2Q 2026

Q-o-Q

Y-o-Y

  • Total assets44 337 749
  • Total customer loans (net, FX adjusted)22 537 011
  • Total customer loans (gross, FX adjusted)23 474 218
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)22 662 206
  • Allowances for possible loan losses (FX adjusted)-937 207
  • Total customer deposits (FX adjusted)30 243 832
  • Issued securities2 356 987
  • Subordinated bond and loans497 273
  • Total shareholders' equity5 239 346
  • Total assets47 860 619
  • Total customer loans (net, FX adjusted)25 260 224
  • Total customer loans (gross, FX adjusted)26 246 612
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)25 359 767
  • Allowances for possible loan losses (FX adjusted)-986 389
  • Total customer deposits (FX adjusted)32 973 010
  • Issued securities2 922 881
  • Subordinated bond and loans493 849
  • Total shareholders' equity5 821 920
  • Total assets46 666 664
  • Total customer loans (net, FX adjusted)26 457 018
  • Total customer loans (gross, FX adjusted)27 451 623
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)26 579 527
  • Allowances for possible loan losses (FX adjusted)-994 605
  • Total customer deposits (FX adjusted)33 746 790
  • Issued securities2 724 590
  • Subordinated bond and loans807 836
  • Total shareholders' equity5 508 896
  • Total assets-2%
  • Total customer loans (net, FX adjusted)5%
  • Total customer loans (gross, FX adjusted)5%
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)5%
  • Allowances for possible loan losses (FX adjusted)1%
  • Total customer deposits (FX adjusted)2%
  • Issued securities-7%
  • Subordinated bond and loans64%
  • Total shareholders' equity-5%
  • Total assets5%
  • Total customer loans (net, FX adjusted)17%
  • Total customer loans (gross, FX adjusted)17%
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)17%
  • Allowances for possible loan losses (FX adjusted)6%
  • Total customer deposits (FX adjusted)12%
  • Issued securities16%
  • Subordinated bond and loans62%
  • Total shareholders' equity5%

Indicators based on adjusted earnings %

2Q 20251Q 20262Q 2026Q-o-QY-o-Y
ROE (from profit after tax)25.6%12.8%22.2%9.3%p-3.4%p
ROE (from adjusted profit after tax)25.6%12.8%22.2%9.3%p-3.4%p
ROA (from profit after tax)3.0%1.5%2.6%1.1%p-0.3%p
ROA (from adjusted profit after tax)3.0%1.5%2.6%1.1%p-0.3%p
Operating profit margin4.13%3.79%3.78%-0.01%p-0.35%p
Total income margin6.70%6.57%6.47%-0.10%p-0.23%p
Net interest margin4.31%4.59%4.62%0.03%p0.31%p
Cost-to-asset ratio2.57%2.78%2.69%-0.09%p0.12%p
Cost/income ratio38.3%42.3%41.6%-0.7%p3.3%p
Provision for impairment on loan losses-to-average gross loans ratio0.91%0.47%1.03%0.56%p0.12%p
Total risk cost-to-asset ratio0.60%0.13%0.58%0.45%p-0.01%p
Effective tax rate16.3%57.8%18.4%-39.5%p2.1%p
Net loan/deposit ratio (FX-adjusted)75%77%78%2%p4%p
Capital adequacy ratio (consolidated, IFRS) - Basel319.8%19.2%20.3%1.2%p0.6%p
Tier1 ratio - Basel318.0%17.6%17.6%0.0%p-0.4%p
Common Equity Tier 1 ('CET1') ratio - Basel318.0%17.6%17.6%0.0%p-0.4%p

2Q 2025

1Q 2026

2Q 2026

Q-o-Q

Y-o-Y

  • 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)12.8%
  • ROE (from adjusted profit after tax)12.8%
  • ROA (from profit after tax)1.5%
  • ROA (from adjusted profit after tax)1.5%
  • Operating profit margin3.79%
  • Total income margin6.57%
  • Net interest margin4.59%
  • Cost-to-asset ratio2.78%
  • Cost/income ratio42.3%
  • Provision for impairment on loan losses-to-average gross loans ratio0.47%
  • Total risk cost-to-asset ratio0.13%
  • Effective tax rate57.8%
  • Net loan/deposit ratio (FX-adjusted)77%
  • Capital adequacy ratio (consolidated, IFRS) - Basel319.2%
  • Tier1 ratio - Basel317.6%
  • Common Equity Tier 1 ('CET1') ratio - Basel317.6%
  • ROE (from profit after tax)22.2%
  • ROE (from adjusted profit after tax)22.2%
  • ROA (from profit after tax)2.6%
  • ROA (from adjusted profit after tax)2.6%
  • Operating profit margin3.78%
  • Total income margin6.47%
  • Net interest margin4.62%
  • Cost-to-asset ratio2.69%
  • Cost/income ratio41.6%
  • Provision for impairment on loan losses-to-average gross loans ratio1.03%
  • Total risk cost-to-asset ratio0.58%
  • Effective tax rate18.4%
  • Net loan/deposit ratio (FX-adjusted)78%
  • Capital adequacy ratio (consolidated, IFRS) - Basel320.3%
  • Tier1 ratio - Basel317.6%
  • Common Equity Tier 1 ('CET1') ratio - Basel317.6%
  • ROE (from profit after tax)9.3%p
  • ROE (from adjusted profit after tax)9.3%p
  • ROA (from profit after tax)1.1%p
  • ROA (from adjusted profit after tax)1.1%p
  • Operating profit margin-0.01%p
  • Total income margin-0.10%p
  • Net interest margin0.03%p
  • Cost-to-asset ratio-0.09%p
  • Cost/income ratio-0.7%p
  • Provision for impairment on loan losses-to-average gross loans ratio0.56%p
  • Total risk cost-to-asset ratio0.45%p
  • Effective tax rate-39.5%p
  • Net loan/deposit ratio (FX-adjusted)2%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel31.2%p
  • Tier1 ratio - Basel30.0%p
  • Common Equity Tier 1 ('CET1') ratio - Basel30.0%p
  • ROE (from profit after tax)-3.4%p
  • ROE (from adjusted profit after tax)-3.4%p
  • ROA (from profit after tax)-0.3%p
  • ROA (from adjusted profit after tax)-0.3%p
  • Operating profit margin-0.35%p
  • Total income margin-0.23%p
  • Net interest margin0.31%p
  • Cost-to-asset ratio0.12%p
  • Cost/income ratio3.3%p
  • Provision for impairment on loan losses-to-average gross loans ratio0.12%p
  • Total risk cost-to-asset ratio-0.01%p
  • Effective tax rate2.1%p
  • Net loan/deposit ratio (FX-adjusted)4%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel30.6%p
  • Tier1 ratio - Basel3-0.4%p
  • Common Equity Tier 1 ('CET1') ratio - Basel3-0.4%p

Share Data

2Q 20251Q 20262Q 2026Q-o-QY-o-Y
EPS diluted (HUF) (from profit after tax)1 2736921 19773%-6%
EPS diluted (HUF) (from adjusted profit after tax)1 2796971 20473%-6%
Closing price (HUF)27 10035 42045 95030%70%
Highest closing price (HUF)28 49041 65045 97010%61%
Lowest closing price (HUF)22 20035 02035 4201%60%
Market Capitalization (EUR billion)19.025.736.241%91%
Book Value Per Share (HUF)20 30022 93021 700-5%7%
Tangible Book Value Per Share (HUF)19 50122 07320 879-5%7%
Price/Book Value1.31.52.137%59%
Price/Tangible Book Value1.41.62.237%58%
P/E (trailing, from profit after tax)7.08.711.633%66%
P/E (trailing, from adjusted profit after tax)7.08.711.633%66%
Average daily turnover (EUR million)29475722%99%
Average daily turnover (million share)0.50.40.511%7%

2Q 2025

1Q 2026

2Q 2026

Q-o-Q

Y-o-Y

  • 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)692
  • EPS diluted (HUF) (from adjusted profit after tax)697
  • Closing price (HUF)35 420
  • Highest closing price (HUF)41 650
  • Lowest closing price (HUF)35 020
  • Market Capitalization (EUR billion)25.7
  • Book Value Per Share (HUF)22 930
  • Tangible Book Value Per Share (HUF)22 073
  • Price/Book Value1.5
  • Price/Tangible Book Value1.6
  • P/E (trailing, from profit after tax)8.7
  • P/E (trailing, from adjusted profit after tax)8.7
  • Average daily turnover (EUR million)47
  • Average daily turnover (million share)0.4
  • EPS diluted (HUF) (from profit after tax)1 197
  • EPS diluted (HUF) (from adjusted profit after tax)1 204
  • Closing price (HUF)45 950
  • Highest closing price (HUF)45 970
  • Lowest closing price (HUF)35 420
  • Market Capitalization (EUR billion)36.2
  • Book Value Per Share (HUF)21 700
  • Tangible Book Value Per Share (HUF)20 879
  • Price/Book Value2.1
  • Price/Tangible Book Value2.2
  • P/E (trailing, from profit after tax)11.6
  • P/E (trailing, from adjusted profit after tax)11.6
  • Average daily turnover (EUR million)57
  • Average daily turnover (million share)0.5
  • EPS diluted (HUF) (from profit after tax)73%
  • EPS diluted (HUF) (from adjusted profit after tax)73%
  • Closing price (HUF)30%
  • Highest closing price (HUF)10%
  • Lowest closing price (HUF)1%
  • Market Capitalization (EUR billion)41%
  • Book Value Per Share (HUF)-5%
  • Tangible Book Value Per Share (HUF)-5%
  • Price/Book Value37%
  • Price/Tangible Book Value37%
  • P/E (trailing, from profit after tax)33%
  • P/E (trailing, from adjusted profit after tax)33%
  • Average daily turnover (EUR million)22%
  • Average daily turnover (million share)11%
  • EPS diluted (HUF) (from profit after tax)-6%
  • EPS diluted (HUF) (from adjusted profit after tax)-6%
  • Closing price (HUF)70%
  • Highest closing price (HUF)61%
  • Lowest closing price (HUF)60%
  • Market Capitalization (EUR billion)91%
  • Book Value Per Share (HUF)7%
  • Tangible Book Value Per Share (HUF)7%
  • Price/Book Value59%
  • Price/Tangible Book Value58%
  • P/E (trailing, from profit after tax)66%
  • P/E (trailing, from adjusted profit after tax)66%
  • Average daily turnover (EUR million)99%
  • Average daily turnover (million share)7%

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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Reports on corporate income tax information

Reports prepared pursuant to Chapter VI/B of Act C of 2000 on Accounting, presenting information related to corporate income tax

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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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