Financial highlights

Consolidated financial highlights and share data

Main components of the Statement of recognised income in HUF million

3Q 20252Q 20263Q 2026Q-o-QY-o-Y
Consolidated profit after tax330 479305 767354 97616%7%
Adjustments (after tax) (total)000  
Consolidated adjusted profit after tax330 479305 767354 97616%7%
Pre-tax profit389 959374 490376 9701%-3%
Operating profit446 544442 733456 4993%2%
Total income737 668757 866768 0581%4%
Net interest income489 032541 396554 7822%13%
Net fees and commissions152 684152 385150 308-1%-2%
Other net non-interest income95 95264 08562 968-2%-34%
Operating expenses-291 124-315 133-311 559-1%7%
Total risk costs-56 585-68 243-79 52917%41%
Corporate taxes-59 481-68 723-21 994-68%-63%

3Q 2025

2Q 2026

3Q 2026

Q-o-Q

Y-o-Y

  • 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 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 tax354 976
  • Adjustments (after tax) (total)0
  • Consolidated adjusted profit after tax354 976
  • Pre-tax profit376 970
  • Operating profit456 499
  • Total income768 058
  • Net interest income554 782
  • Net fees and commissions150 308
  • Other net non-interest income62 968
  • Operating expenses-311 559
  • Total risk costs-79 529
  • Corporate taxes-21 994
  • Consolidated profit after tax16%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax16%
  • Pre-tax profit1%
  • Operating profit3%
  • Total income1%
  • Net interest income2%
  • Net fees and commissions-1%
  • Other net non-interest income-2%
  • Operating expenses-1%
  • Total risk costs17%
  • Corporate taxes-68%
  • Consolidated profit after tax7%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax7%
  • Pre-tax profit-3%
  • Operating profit2%
  • Total income4%
  • Net interest income13%
  • Net fees and commissions-2%
  • Other net non-interest income-34%
  • Operating expenses7%
  • Total risk costs41%
  • Corporate taxes-63%

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

3Q 20252Q 20263Q 2026Q-o-QY-o-Y
Total assets45 075 38746 666 66448 854 4715%8%
Total customer loans (net, FX adjusted)23 751 04926 976 76127 968 0624%18%
Total customer loans (gross, FX adjusted)24 737 59827 981 20028 998 1374%17%
Performing (Stage 1+2) customer loans (gross, FX-adjusted)23 881 14227 094 79228 077 0354%18%
Allowances for possible loan losses (FX adjusted)-986 549-1 004 439-1 030 0753%4%
Total customer deposits (FX adjusted)31 942 50334 334 29235 088 0962%10%
Issued securities2 512 7482 724 5903 471 44827%38%
Subordinated bond and loans493 150807 836816 8521%66%
Total shareholders' equity5 431 0535 508 8965 928 5768%9%

3Q 2025

2Q 2026

3Q 2026

Q-o-Q

Y-o-Y

  • Total assets45 075 387
  • Total customer loans (net, FX adjusted)23 751 049
  • Total customer loans (gross, FX adjusted)24 737 598
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)23 881 142
  • Allowances for possible loan losses (FX adjusted)-986 549
  • Total customer deposits (FX adjusted)31 942 503
  • Issued securities2 512 748
  • Subordinated bond and loans493 150
  • Total shareholders' equity5 431 053
  • Total assets46 666 664
  • Total customer loans (net, FX adjusted)26 976 761
  • Total customer loans (gross, FX adjusted)27 981 200
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)27 094 792
  • Allowances for possible loan losses (FX adjusted)-1 004 439
  • Total customer deposits (FX adjusted)34 334 292
  • Issued securities2 724 590
  • Subordinated bond and loans807 836
  • Total shareholders' equity5 508 896
  • Total assets48 854 471
  • Total customer loans (net, FX adjusted)27 968 062
  • Total customer loans (gross, FX adjusted)28 998 137
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)28 077 035
  • Allowances for possible loan losses (FX adjusted)-1 030 075
  • Total customer deposits (FX adjusted)35 088 096
  • Issued securities3 471 448
  • Subordinated bond and loans816 852
  • Total shareholders' equity5 928 576
  • Total assets5%
  • 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)3%
  • Total customer deposits (FX adjusted)2%
  • Issued securities27%
  • Subordinated bond and loans1%
  • Total shareholders' equity8%
  • Total assets8%
  • Total customer loans (net, FX adjusted)18%
  • Total customer loans (gross, FX adjusted)17%
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)18%
  • Allowances for possible loan losses (FX adjusted)4%
  • Total customer deposits (FX adjusted)10%
  • Issued securities38%
  • Subordinated bond and loans66%
  • Total shareholders' equity9%

Indicators based on adjusted earnings %

3Q 20252Q 20263Q 2026Q-o-QY-o-Y
ROE (from profit after tax)24.4%22.2%24.7%2.5%p0.2%p
ROE (from adjusted profit after tax)24.4%22.2%24.7%2.5%p0.2%p
ROA (from profit after tax)2.9%2.6%3.0%0.4%p0.0%p
ROA (from adjusted profit after tax)2.9%2.6%3.0%0.4%p0.0%p
Operating profit margin3.94%3.78%3.81%0.03%p-0.13%p
Total income margin6.51%6.47%6.41%-0.06%p-0.09%p
Net interest margin4.31%4.62%4.63%0.01%p0.32%p
Cost-to-asset ratio2.57%2.69%2.60%-0.09%p0.03%p
Cost/income ratio39.5%41.6%40.6%-1.0%p1.1%p
Provision for impairment on loan losses-to-average gross loans ratio0.78%1.03%0.70%-0.34%p-0.08%p
Total risk cost-to-asset ratio0.50%0.58%0.66%0.08%p0.16%p
Effective tax rate15.3%18.4%5.8%-12.5%p-9.4%p
Net loan/deposit ratio (FX-adjusted)74%79%80%1%p5%p
Capital adequacy ratio (consolidated, IFRS) - Basel320.1%20.3%20.5%0.1%p0.3%p
Tier1 ratio - Basel318.4%17.6%17.8%0.2%p-0.6%p
Common Equity Tier 1 ('CET1') ratio - Basel318.4%17.6%17.8%0.2%p-0.6%p

3Q 2025

2Q 2026

3Q 2026

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)2.9%
  • 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)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)79%
  • Capital adequacy ratio (consolidated, IFRS) - Basel320.3%
  • Tier1 ratio - Basel317.6%
  • Common Equity Tier 1 ('CET1') ratio - Basel317.6%
  • ROE (from profit after tax)24.7%
  • ROE (from adjusted profit after tax)24.7%
  • ROA (from profit after tax)3.0%
  • ROA (from adjusted profit after tax)3.0%
  • Operating profit margin3.81%
  • Total income margin6.41%
  • Net interest margin4.63%
  • Cost-to-asset ratio2.60%
  • Cost/income ratio40.6%
  • Provision for impairment on loan losses-to-average gross loans ratio0.70%
  • Total risk cost-to-asset ratio0.66%
  • Effective tax rate5.8%
  • Net loan/deposit ratio (FX-adjusted)80%
  • Capital adequacy ratio (consolidated, IFRS) - Basel320.5%
  • Tier1 ratio - Basel317.8%
  • Common Equity Tier 1 ('CET1') ratio - Basel317.8%
  • ROE (from profit after tax)2.5%p
  • ROE (from adjusted profit after tax)2.5%p
  • ROA (from profit after tax)0.4%p
  • ROA (from adjusted profit after tax)0.4%p
  • Operating profit margin0.03%p
  • Total income margin-0.06%p
  • Net interest margin0.01%p
  • Cost-to-asset ratio-0.09%p
  • Cost/income ratio-1.0%p
  • Provision for impairment on loan losses-to-average gross loans ratio-0.34%p
  • Total risk cost-to-asset ratio0.08%p
  • Effective tax rate-12.5%p
  • Net loan/deposit ratio (FX-adjusted)1%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel30.1%p
  • Tier1 ratio - Basel30.2%p
  • Common Equity Tier 1 ('CET1') ratio - Basel30.2%p
  • ROE (from profit after tax)0.2%p
  • ROE (from adjusted profit after tax)0.2%p
  • ROA (from profit after tax)0.0%p
  • ROA (from adjusted profit after tax)0.0%p
  • Operating profit margin-0.13%p
  • Total income margin-0.09%p
  • Net interest margin0.32%p
  • Cost-to-asset ratio0.03%p
  • Cost/income ratio1.1%p
  • Provision for impairment on loan losses-to-average gross loans ratio-0.08%p
  • Total risk cost-to-asset ratio0.16%p
  • Effective tax rate-9.4%p
  • Net loan/deposit ratio (FX-adjusted)5%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel30.3%p
  • Tier1 ratio - Basel3-0.6%p
  • Common Equity Tier 1 ('CET1') ratio - Basel3-0.6%p

Share Data

3Q 20252Q 20263Q 2026Q-o-QY-o-Y
EPS diluted (HUF) (from profit after tax)1 2811 1971 39316%9%
EPS diluted (HUF) (from adjusted profit after tax)1 2861 2041 40317%9%
Closing price (HUF)28 69045 95042 700-7%49%
Highest closing price (HUF)30 97045 97047 2503%53%
Lowest closing price (HUF)26 92035 42042 70021%59%
Market Capitalization (EUR billion)20.536.232.6-10%59%
Book Value Per Share (HUF)21 13621 70023 4368%11%
Tangible Book Value Per Share (HUF)20 34820 87922 5558%11%
Price/Book Value1.42.11.8-14%34%
Price/Tangible Book Value1.42.21.9-14%34%
P/E (trailing, from profit after tax)7.311.610.5-9%44%
P/E (trailing, from adjusted profit after tax)7.311.610.5-9%44%
Average daily turnover (EUR million)235739-31%74%
Average daily turnover (million share)0.30.50.4-15%35%

3Q 2025

2Q 2026

3Q 2026

Q-o-Q

Y-o-Y

  • 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)1 197
  • 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)1 393
  • EPS diluted (HUF) (from adjusted profit after tax)1 403
  • Closing price (HUF)42 700
  • Highest closing price (HUF)47 250
  • Lowest closing price (HUF)42 700
  • Market Capitalization (EUR billion)32.6
  • Book Value Per Share (HUF)23 436
  • Tangible Book Value Per Share (HUF)22 555
  • Price/Book Value1.8
  • Price/Tangible Book Value1.9
  • P/E (trailing, from profit after tax)10.5
  • P/E (trailing, from adjusted profit after tax)10.5
  • Average daily turnover (EUR million)39
  • Average daily turnover (million share)0.4
  • EPS diluted (HUF) (from profit after tax)16%
  • EPS diluted (HUF) (from adjusted profit after tax)17%
  • Closing price (HUF)-7%
  • Highest closing price (HUF)3%
  • Lowest closing price (HUF)21%
  • Market Capitalization (EUR billion)-10%
  • Book Value Per Share (HUF)8%
  • Tangible Book Value Per Share (HUF)8%
  • Price/Book Value-14%
  • Price/Tangible Book Value-14%
  • P/E (trailing, from profit after tax)-9%
  • P/E (trailing, from adjusted profit after tax)-9%
  • Average daily turnover (EUR million)-31%
  • Average daily turnover (million share)-15%
  • EPS diluted (HUF) (from profit after tax)9%
  • EPS diluted (HUF) (from adjusted profit after tax)9%
  • Closing price (HUF)49%
  • Highest closing price (HUF)53%
  • Lowest closing price (HUF)59%
  • Market Capitalization (EUR billion)59%
  • Book Value Per Share (HUF)11%
  • Tangible Book Value Per Share (HUF)11%
  • Price/Book Value34%
  • Price/Tangible Book Value34%
  • P/E (trailing, from profit after tax)44%
  • P/E (trailing, from adjusted profit after tax)44%
  • Average daily turnover (EUR million)74%
  • Average daily turnover (million share)35%

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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