Financial highlights

Consolidated financial highlights and share data

Main components of the Statement of recognised income in HUF million

1Q 20254Q 20251Q 2026Q-o-QY-o-Y
Consolidated profit after tax188 576297 255176 970-40%-6%
Adjustments (after tax) (total)000  
Consolidated adjusted profit after tax188 576297 255176 970-40%-6%
Pre-tax profit375 189343 358419 63322%12%
Operating profit408 070384 782435 05613%7%
Total income689 627742 556754 3172%9%
Net interest income465 408509 210527 2824%13%
Net fees and commissions139 261160 392137 878-14%-1%
Other net non-interest income84 95872 95489 15622%5%
Operating expenses-281 557-357 774-319 260-11%13%
Total risk costs-32 881-41 424-15 423-63%-53%
Corporate taxes-186 613-46 103-242 662426%30%

1Q 2025

4Q 2025

1Q 2026

Q-o-Q

Y-o-Y

  • 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 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 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 tax-40%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax-40%
  • Pre-tax profit22%
  • Operating profit13%
  • Total income2%
  • Net interest income4%
  • Net fees and commissions-14%
  • Other net non-interest income22%
  • Operating expenses-11%
  • Total risk costs-63%
  • Corporate taxes426%
  • Consolidated profit after tax-6%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax-6%
  • Pre-tax profit12%
  • Operating profit7%
  • Total income9%
  • Net interest income13%
  • Net fees and commissions-1%
  • Other net non-interest income5%
  • Operating expenses13%
  • Total risk costs-53%
  • Corporate taxes30%

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

1Q 20254Q 20251Q 2026Q-o-QY-o-Y
Total assets44 332 79745 427 14447 860 6195%8%
Total customer loans (net, FX adjusted)23 075 96025 868 17826 753 3673%16%
Total customer loans (gross, FX adjusted)24 029 69026 905 90027 792 8203%16%
Performing (Stage 1+2) customer loans (gross, FX-adjusted)23 186 76925 965 85826 856 7133%16%
Allowances for possible loan losses (FX adjusted)-953 730-1 037 722-1 039 4540%9%
Total customer deposits (FX adjusted)31 375 04233 801 34134 847 3023%11%
Issued securities2 280 4432 512 6362 922 88116%28%
Subordinated loans545 693486 084493 8492%-10%
Total shareholders' equity5 224 5375 625 6165 821 9203%11%

1Q 2025

4Q 2025

1Q 2026

Q-o-Q

Y-o-Y

  • Total assets44 332 797
  • Total customer loans (net, FX adjusted)23 075 960
  • Total customer loans (gross, FX adjusted)24 029 690
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)23 186 769
  • Allowances for possible loan losses (FX adjusted)-953 730
  • Total customer deposits (FX adjusted)31 375 042
  • Issued securities2 280 443
  • Subordinated loans545 693
  • Total shareholders' equity5 224 537
  • Total assets45 427 144
  • Total customer loans (net, FX adjusted)25 868 178
  • Total customer loans (gross, FX adjusted)26 905 900
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)25 965 858
  • Allowances for possible loan losses (FX adjusted)-1 037 722
  • Total customer deposits (FX adjusted)33 801 341
  • Issued securities2 512 636
  • Subordinated loans486 084
  • Total shareholders' equity5 625 616
  • Total assets47 860 619
  • Total customer loans (net, FX adjusted)26 753 367
  • Total customer loans (gross, FX adjusted)27 792 820
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)26 856 713
  • Allowances for possible loan losses (FX adjusted)-1 039 454
  • Total customer deposits (FX adjusted)34 847 302
  • Issued securities2 922 881
  • Subordinated loans493 849
  • Total shareholders' equity5 821 920
  • Total assets5%
  • 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)0%
  • Total customer deposits (FX adjusted)3%
  • Issued securities16%
  • Subordinated loans2%
  • Total shareholders' equity3%
  • Total assets8%
  • Total customer loans (net, FX adjusted)16%
  • Total customer loans (gross, FX adjusted)16%
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)16%
  • Allowances for possible loan losses (FX adjusted)9%
  • Total customer deposits (FX adjusted)11%
  • Issued securities28%
  • Subordinated loans-10%
  • Total shareholders' equity11%

Indicators based on adjusted earnings %

1Q 20254Q 20251Q 2026Q-o-QY-o-Y
ROE (from profit after tax)14.9%21.3%12.8%-8.5%p-2.1%p
ROE (from adjusted profit after tax)14.9%21.3%12.8%-8.5%p-2.1%p
ROA (from profit after tax)1.7%2.6%1.5%-1.1%p-0.2%p
ROA (from adjusted profit after tax)1.7%2.6%1.5%-1.1%p-0.2%p
Operating profit margin3.74%3.38%3.79%0.40%p0.04%p
Total income margin6.336.53%6.57%0.04%p0.24%p
Net interest margin4.27%4.48%4.59%0.11%p0.32%p
Cost-to-asset ratio2.58%3.14%2.78%-0.37%p0.19%p
Cost/income ratio40.8%48.2%42.3%-5.9%p1.5%p
Provision for impairment on loan losses-to-average gross loans ratio0.40%0.55%0.47%-0.07%p0.07%p
Total risk cost-to-asset ratio0.30%0.36%0.13%-0.23%p-0.17%p
Effective tax rate49.7%13.4%57.8%44.4%p8.1%p
Net loan/deposit ratio (FX-adjusted)74%77%77%0%p3%p
Capital adequacy ratio (consolidated, IFRS) - Basel320.0%19.7%19.2%-0.5%p-0.8%p
Tier1 ratio - Basel318.0%18.1%17.6%-0.5%p-0.4%p
Common Equity Tier 1 ('CET1') ratio - Basel318.0%18.1%17.6%-0.5%p-0.4%p

1Q 2025

4Q 2025

1Q 2026

Q-o-Q

Y-o-Y

  • 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)74%
  • Capital adequacy ratio (consolidated, IFRS) - Basel320.0%
  • Tier1 ratio - Basel318.0%
  • Common Equity Tier 1 ('CET1') ratio - Basel318.0%
  • 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)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)-8.5%p
  • ROE (from adjusted profit after tax)-8.5%p
  • ROA (from profit after tax)-1.1%p
  • ROA (from adjusted profit after tax)-1.1%p
  • Operating profit margin0.40%p
  • Total income margin0.04%p
  • Net interest margin0.11%p
  • Cost-to-asset ratio-0.37%p
  • Cost/income ratio-5.9%p
  • Provision for impairment on loan losses-to-average gross loans ratio-0.07%p
  • Total risk cost-to-asset ratio-0.23%p
  • Effective tax rate44.4%p
  • Net loan/deposit ratio (FX-adjusted)0%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel3-0.5%p
  • Tier1 ratio - Basel3-0.5%p
  • Common Equity Tier 1 ('CET1') ratio - Basel3-0.5%p
  • ROE (from profit after tax)-2.1%p
  • ROE (from adjusted profit after tax)-2.1%p
  • ROA (from profit after tax)-0.2%p
  • ROA (from adjusted profit after tax)-0.2%p
  • Operating profit margin0.04%p
  • Total income margin0.24%p
  • Net interest margin0.32%p
  • Cost-to-asset ratio0.19%p
  • Cost/income ratio1.5%p
  • Provision for impairment on loan losses-to-average gross loans ratio0.07%p
  • Total risk cost-to-asset ratio-0.17%p
  • Effective tax rate8.1%p
  • Net loan/deposit ratio (FX-adjusted)3%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel3-0.8%p
  • Tier1 ratio - Basel3-0.4%p
  • Common Equity Tier 1 ('CET1') ratio - Basel3-0.4%p

Share Data

1Q 20254Q 20251Q 2026Q-o-QY-o-Y
EPS diluted (HUF) (from profit after tax)7211 162692-84%-4%
EPS diluted (HUF) (from adjusted profit after tax)7281 166697-84-4%
Closing price (HUF)25 00035 10035 4201%42%
Highest closing price (HUF)26 60035 45041 65017%57%
Lowest closing price (HUF)21 52028 69035 02063%63%
Market Capitalization (EUR billion)17.425.525.71%48%
Book Value Per Share (HUF)20 15922 07422 9305%14%
Tangible Book Value Per Share (HUF)19 36921 29422 0735%14%
Price/Book Value1.21.61.5-4%25%
Price/Tangible Book Value1.31.61.6-4%24%
P/E (trailing, from profit after tax)5.88.68.72%28%
P/E (trailing, from adjusted profit after tax)6.88.68.72%28%
Average daily turnover (EUR million)323024-17%-27%
Average daily turnover (million share)0.50.40.42%-22%

1Q 2025

4Q 2025

1Q 2026

Q-o-Q

Y-o-Y

  • 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)5.8
  • 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)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)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)24
  • Average daily turnover (million share)0.4
  • EPS diluted (HUF) (from profit after tax)-84%
  • EPS diluted (HUF) (from adjusted profit after tax)-84
  • Closing price (HUF)1%
  • Highest closing price (HUF)17%
  • Lowest closing price (HUF)63%
  • Market Capitalization (EUR billion)1%
  • Book Value Per Share (HUF)5%
  • Tangible Book Value Per Share (HUF)5%
  • Price/Book Value-4%
  • Price/Tangible Book Value-4%
  • P/E (trailing, from profit after tax)2%
  • P/E (trailing, from adjusted profit after tax)2%
  • Average daily turnover (EUR million)-17%
  • Average daily turnover (million share)2%
  • EPS diluted (HUF) (from profit after tax)-4%
  • EPS diluted (HUF) (from adjusted profit after tax)-4%
  • Closing price (HUF)42%
  • Highest closing price (HUF)57%
  • Lowest closing price (HUF)63%
  • Market Capitalization (EUR billion)48%
  • Book Value Per Share (HUF)14%
  • Tangible Book Value Per Share (HUF)14%
  • Price/Book Value25%
  • Price/Tangible Book Value24%
  • P/E (trailing, from profit after tax)28%
  • P/E (trailing, from adjusted profit after tax)28%
  • Average daily turnover (EUR million)-27%
  • Average daily turnover (million share)-22%

For further information please view the following pages

Annual reports

Annual reports of OTP Bank

Read more

BSE quarterly reports

Regular BSE quarterly reports, interim management reports and the condensed IFRS financial reports

Read more

IFRS reports

Financial statements in accordance with International Financial Reporting Standards (IFRS)

Read more

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

Read more

Sustainability reports

Sustainability reports reviewing the corporate responsibility activities of the OTP Group

Read more

Corporate governance reports

Corporate governance reports providing annual discloure on the corporate governance system of OTP Bank

Read more

Disclosure requirement

Disclosure requirement according to Basel II

Read more

We use cookies to run the website, enhance user experience, monitor website activities and display relevant offers.