Financial highlights

Consolidated financial highlights and share data

Main components of the Statement of recognised income in HUF million

4Q 20243Q 20254Q 2025Q-o-QY-o-Y
Consolidated profit after tax249 735330 479297 255-10%19%
Adjustments (after tax) (total)000  
Consolidated adjusted profit after tax249 735330 479297 255-10%19%
Pre-tax profit315 858389 959343 358-12%9%
Operating profit408 320446 544384 782-14%-6%
Total income705 860737 668742 5561%5%
Net interest income460 720489 032509 2104%11%
Net fees and commissions148 295152 684160 3925%8%
Other net non-interest income96 84595 95272 954-24%-25%
Operating expenses-297 540-291 124-357 77423%20%
Total risk costs-92 462-56 585-41 424-27%-55%
Corporate taxes-66 123-59 481-46 103-22%-30%

4Q 2024

3Q 2025

4Q 2025

Q-o-Q

Y-o-Y

  • 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 tax330 479
  • Adjustments (after tax) (total)0
  • Consolidated adjusted profit after tax330 479
  • Pre-tax profit389 959
  • Operating profit446 544
  • Total income737 668
  • Net interest income489 032
  • Net fees and commissions152 684
  • Other net non-interest income95 952
  • Operating expenses-291 124
  • Total risk costs-56 585
  • Corporate taxes-59 481
  • Consolidated profit after tax297 255
  • Adjustments (after tax) (total)0
  • Consolidated adjusted profit after tax297 255
  • Pre-tax profit343 358
  • Operating profit384 782
  • Total income742 556
  • Net interest income509 210
  • Net fees and commissions160 392
  • Other net non-interest income72 954
  • Operating expenses-357 774
  • Total risk costs-41 424
  • Corporate taxes-46 103
  • Consolidated profit after tax-10%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax-10%
  • Pre-tax profit-12%
  • Operating profit-14%
  • Total income1%
  • Net interest income4%
  • Net fees and commissions5%
  • Other net non-interest income-24%
  • Operating expenses23%
  • Total risk costs-27%
  • Corporate taxes-22%
  • Consolidated profit after tax19%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax19%
  • Pre-tax profit9%
  • Operating profit-6%
  • Total income5%
  • Net interest income11%
  • Net fees and commissions8%
  • Other net non-interest income-25%
  • Operating expenses20%
  • Total risk costs-55%
  • Corporate taxes-30%

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

4Q 20243Q 20254Q 2025Q-o-QY-o-Y
Total assets43 419 12845 075 38745 427 1441%5%
Total customer loans (net, FX adjusted)22 406 86024 638 55325 829 3505%15%
Total customer loans (gross, FX adjusted)23 343 12625 662 63326 863 4625%15%
Performing (Stage 1+2) customer loans (gross, FX-adjusted)22 500 63624 777 93425 926 9695%15%
Allowances for possible loan losses (FX adjusted)-936 266-1 024 080-1 034 1121%10%
Total customer deposits (FX adjusted)30 383 49933 114 31333 734 2662%11%
Issued securities2 593 1242 512 7482 512 6360%-3%
Subordinated loans369 359493 150486 084-1%32%
Total shareholders' equity5 120 0125 431 0535 625 6164%10%

4Q 2024

3Q 2025

4Q 2025

Q-o-Q

Y-o-Y

  • Total assets43 419 128
  • Total customer loans (net, FX adjusted)22 406 860
  • Total customer loans (gross, FX adjusted)23 343 126
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)22 500 636
  • Allowances for possible loan losses (FX adjusted)-936 266
  • Total customer deposits (FX adjusted)30 383 499
  • Issued securities2 593 124
  • Subordinated loans369 359
  • Total shareholders' equity5 120 012
  • Total assets45 075 387
  • Total customer loans (net, FX adjusted)24 638 553
  • Total customer loans (gross, FX adjusted)25 662 633
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)24 777 934
  • Allowances for possible loan losses (FX adjusted)-1 024 080
  • Total customer deposits (FX adjusted)33 114 313
  • Issued securities2 512 748
  • Subordinated loans493 150
  • Total shareholders' equity5 431 053
  • Total assets45 427 144
  • Total customer loans (net, FX adjusted)25 829 350
  • Total customer loans (gross, FX adjusted)26 863 462
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)25 926 969
  • Allowances for possible loan losses (FX adjusted)-1 034 112
  • Total customer deposits (FX adjusted)33 734 266
  • Issued securities2 512 636
  • Subordinated loans486 084
  • Total shareholders' equity5 625 616
  • Total assets1%
  • 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 securities0%
  • Subordinated loans-1%
  • Total shareholders' equity4%
  • Total assets5%
  • Total customer loans (net, FX adjusted)15%
  • Total customer loans (gross, FX adjusted)15%
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)15%
  • Allowances for possible loan losses (FX adjusted)10%
  • Total customer deposits (FX adjusted)11%
  • Issued securities-3%
  • Subordinated loans32%
  • Total shareholders' equity10%

Indicators based on adjusted earnings %

4Q 20243Q 20254Q 2025Q-o-QY-o-Y
ROE (from profit after tax)19.8%24.4%21.3%-3.1%p1.5%p
ROE (from adjusted profit after tax)19.8%24.4%21.3%-3.1%p1.5%p
ROA (from profit after tax)2.3%2.9%2.6%-0.3%p0.3%p
ROA (from adjusted profit after tax)2.3%2.9%2.6%-0.3%p0.3%p
Operating profit margin3.79%3.94%3.38%-0.56%p-0.41%p
Total income margin6.55%6.51%6.53%0.02%p-0.02%p
Net interest margin4.27%4.31%4.48%0.16%p0.20%p
Cost-to-asset ratio2.76%2.57%3.14%0.58%p0.38%p
Cost/income ratio42.2%39.5%48.2%8.7%p6.0%p
Provision for impairment on loan losses-to-average gross loans ratio0.97%0.78%0.55%-0.23%p-0.42%p
Total risk cost-to-asset ratio0.86%0.50%0.36%-0.14%p-0.49%p
Effective tax rate20.9%15.3%13.4%-1.8%p-7.5%p
Net loan/deposit ratio (FX-adjusted)74%74%77%2%p3%p
Capital adequacy ratio (consolidated, IFRS) - Basel320.3%20.1%19.7%-0.4%p-0.6%p
Tier1 ratio - Basel318.9%18.4%18.1%-0.3%p-0.9%p
Common Equity Tier 1 ('CET1') ratio - Basel318.9%18.4%18.1%-0.3%p-0.9%p

4Q 2024

3Q 2025

4Q 2025

Q-o-Q

Y-o-Y

  • 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)24.4%
  • ROE (from adjusted profit after tax)24.4%
  • ROA (from profit after tax)2.9%
  • ROA (from adjusted profit after tax)2.9%
  • Operating profit margin3.94%
  • Total income margin6.51%
  • Net interest margin4.31%
  • Cost-to-asset ratio2.57%
  • Cost/income ratio39.5%
  • Provision for impairment on loan losses-to-average gross loans ratio0.78%
  • Total risk cost-to-asset ratio0.50%
  • Effective tax rate15.3%
  • Net loan/deposit ratio (FX-adjusted)74%
  • Capital adequacy ratio (consolidated, IFRS) - Basel320.1%
  • Tier1 ratio - Basel318.4%
  • Common Equity Tier 1 ('CET1') ratio - Basel318.4%
  • ROE (from profit after tax)21.3%
  • ROE (from adjusted profit after tax)21.3%
  • ROA (from profit after tax)2.6%
  • ROA (from adjusted profit after tax)2.6%
  • Operating profit margin3.38%
  • Total income margin6.53%
  • Net interest margin4.48%
  • Cost-to-asset ratio3.14%
  • Cost/income ratio48.2%
  • Provision for impairment on loan losses-to-average gross loans ratio0.55%
  • Total risk cost-to-asset ratio0.36%
  • Effective tax rate13.4%
  • Net loan/deposit ratio (FX-adjusted)77%
  • Capital adequacy ratio (consolidated, IFRS) - Basel319.7%
  • Tier1 ratio - Basel318.1%
  • Common Equity Tier 1 ('CET1') ratio - Basel318.1%
  • ROE (from profit after tax)-3.1%p
  • ROE (from adjusted profit after tax)-3.1%p
  • ROA (from profit after tax)-0.3%p
  • ROA (from adjusted profit after tax)-0.3%p
  • Operating profit margin-0.56%p
  • Total income margin0.02%p
  • Net interest margin0.16%p
  • Cost-to-asset ratio0.58%p
  • Cost/income ratio8.7%p
  • Provision for impairment on loan losses-to-average gross loans ratio-0.23%p
  • Total risk cost-to-asset ratio-0.14%p
  • Effective tax rate-1.8%p
  • Net loan/deposit ratio (FX-adjusted)2%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel3-0.4%p
  • Tier1 ratio - Basel3-0.3%p
  • Common Equity Tier 1 ('CET1') ratio - Basel3-0.3%p
  • ROE (from profit after tax)1.5%p
  • ROE (from adjusted profit after tax)1.5%p
  • ROA (from profit after tax)0.3%p
  • ROA (from adjusted profit after tax)0.3%p
  • Operating profit margin-0.41%p
  • Total income margin-0.02%p
  • Net interest margin0.20%p
  • Cost-to-asset ratio0.38%p
  • Cost/income ratio6.0%p
  • Provision for impairment on loan losses-to-average gross loans ratio-0.42%p
  • Total risk cost-to-asset ratio-0.49%p
  • Effective tax rate-7.5%p
  • Net loan/deposit ratio (FX-adjusted)3%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel3-0.6%p
  • Tier1 ratio - Basel3-0.9%p
  • Common Equity Tier 1 ('CET1') ratio - Basel3-0.9%p

Share Data

4Q 20243Q 20254Q 2025Q-o-QY-o-Y
EPS diluted (HUF) (from profit after tax)9481 2811 162-9%23%
EPS diluted (HUF) (from adjusted profit after tax)9521 2861 166-9%22%
Closing price (HUF)21 69028 69035 10022%62%
Highest closing price (HUF)22 10030 97035 45014%60%
Lowest closing price (HUF)18 35026 92028 6907%56%
Market Capitalization (EUR billion)14.820.525.524%72%
Book Value Per Share (HUF)19 52721 13622 0744%13%
Tangible Book Value Per Share (HUF)18 68420 34821 2945%14%
Price/Book Value1.11.41.617%43%
Price/Tangible Book Value1.21.41.617%42%
P/E (trailing, from profit after tax)5.67.38.617%52%
P/E (trailing, from adjusted profit after tax)5.67.38.617%52%
Average daily turnover (EUR million)23233031%28%
Average daily turnover (million share)0.50.30.414%-24%

4Q 2024

3Q 2025

4Q 2025

Q-o-Q

Y-o-Y

  • 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)1 281
  • EPS diluted (HUF) (from adjusted profit after tax)1 286
  • Closing price (HUF)28 690
  • Highest closing price (HUF)30 970
  • Lowest closing price (HUF)26 920
  • Market Capitalization (EUR billion)20.5
  • Book Value Per Share (HUF)21 136
  • Tangible Book Value Per Share (HUF)20 348
  • Price/Book Value1.4
  • Price/Tangible Book Value1.4
  • P/E (trailing, from profit after tax)7.3
  • P/E (trailing, from adjusted profit after tax)7.3
  • Average daily turnover (EUR million)23
  • Average daily turnover (million share)0.3
  • EPS diluted (HUF) (from profit after tax)1 162
  • EPS diluted (HUF) (from adjusted profit after tax)1 166
  • Closing price (HUF)35 100
  • Highest closing price (HUF)35 450
  • Lowest closing price (HUF)28 690
  • Market Capitalization (EUR billion)25.5
  • Book Value Per Share (HUF)22 074
  • Tangible Book Value Per Share (HUF)21 294
  • Price/Book Value1.6
  • Price/Tangible Book Value1.6
  • P/E (trailing, from profit after tax)8.6
  • P/E (trailing, from adjusted profit after tax)8.6
  • Average daily turnover (EUR million)30
  • Average daily turnover (million share)0.4
  • EPS diluted (HUF) (from profit after tax)-9%
  • EPS diluted (HUF) (from adjusted profit after tax)-9%
  • Closing price (HUF)22%
  • Highest closing price (HUF)14%
  • Lowest closing price (HUF)7%
  • Market Capitalization (EUR billion)24%
  • Book Value Per Share (HUF)4%
  • Tangible Book Value Per Share (HUF)5%
  • Price/Book Value17%
  • Price/Tangible Book Value17%
  • P/E (trailing, from profit after tax)17%
  • P/E (trailing, from adjusted profit after tax)17%
  • Average daily turnover (EUR million)31%
  • Average daily turnover (million share)14%
  • EPS diluted (HUF) (from profit after tax)23%
  • EPS diluted (HUF) (from adjusted profit after tax)22%
  • Closing price (HUF)62%
  • Highest closing price (HUF)60%
  • Lowest closing price (HUF)56%
  • Market Capitalization (EUR billion)72%
  • Book Value Per Share (HUF)13%
  • Tangible Book Value Per Share (HUF)14%
  • Price/Book Value43%
  • Price/Tangible Book Value42%
  • P/E (trailing, from profit after tax)52%
  • P/E (trailing, from adjusted profit after tax)52%
  • Average daily turnover (EUR million)28%
  • 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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