Financial highlights

Consolidated financial highlights and share data

Main components of the Statement of recognised income in HUF million

3Q 20242Q 20253Q 2025Q-o-QY-o-Y
Consolidated profit after tax318 514330 015330 4790%4%
Adjustments (after tax) (total)000  
Consolidated adjusted profit after tax318 514330 015330 4790%4%
Pre-tax profit388 672394 270389 959-1%0%
Operating profit415 488460 777446 544-3%7%
Total income676 125747 111737 668-1%9%
Net interest income444 235480 975489 0322%10%
Net fees and commissions137 485151 987152 6840%11%
Other net non-interest income94 405114 14995 952-16%2%
Operating expenses-260 636-286 335-291 1242%12%
Total risk costs-26 816-66 506-56 585-15%111%
Corporate taxes-70 158-64 255-59 481-7%-15%

3Q 2024

2Q 2025

3Q 2025

Q-o-Q

Y-o-Y

  • Consolidated profit after tax318 514
  • Adjustments (after tax) (total)0
  • Consolidated adjusted profit after tax318 514
  • Pre-tax profit388 672
  • Operating profit415 488
  • Total income676 125
  • Net interest income444 235
  • Net fees and commissions137 485
  • Other net non-interest income94 405
  • Operating expenses-260 636
  • Total risk costs-26 816
  • Corporate taxes-70 158
  • 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 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 tax0%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax0%
  • Pre-tax profit-1%
  • Operating profit-3%
  • Total income-1%
  • Net interest income2%
  • Net fees and commissions0%
  • Other net non-interest income-16%
  • Operating expenses2%
  • Total risk costs-15%
  • Corporate taxes-7%
  • Consolidated profit after tax4%
  • Adjustments (after tax) (total) 
  • Consolidated adjusted profit after tax4%
  • Pre-tax profit0%
  • Operating profit7%
  • Total income9%
  • Net interest income10%
  • Net fees and commissions11%
  • Other net non-interest income2%
  • Operating expenses12%
  • Total risk costs111%
  • Corporate taxes-15%

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

3Q 20242Q 20253Q 2025Q-o-QY-o-Y
Total assets41 556 57644 337 74945 075 3872%8%
Total customer loans (net, FX adjusted)22 035 47024 062 72624 858 4043%13%
Total customer loans (gross, FX adjusted)22 992 31725 052 02425 886 6083%13%
Performing (Stage 1+2) customer loans (gross, FX-adjusted)22 076 34024 192 90224 996 3213%13%
Allowances for possible loan losses (FX adjusted)-956 847-989 298-1 028 2044%7%
Total customer deposits (FX adjusted)30 026 54832 173 45633 384 0784%11%
Issued securities2 500 9402 356 9872 512 7487%0%
Subordinated loans391 867497 273493 150-1%26%
Total shareholders' equity4 798 4095 239 3465 431 0534%13%

3Q 2024

2Q 2025

3Q 2025

Q-o-Q

Y-o-Y

  • Total assets41 556 576
  • Total customer loans (net, FX adjusted)22 035 470
  • Total customer loans (gross, FX adjusted)22 992 317
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)22 076 340
  • Allowances for possible loan losses (FX adjusted)-956 847
  • Total customer deposits (FX adjusted)30 026 548
  • Issued securities2 500 940
  • Subordinated loans391 867
  • Total shareholders' equity4 798 409
  • Total assets44 337 749
  • Total customer loans (net, FX adjusted)24 062 726
  • Total customer loans (gross, FX adjusted)25 052 024
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)24 192 902
  • Allowances for possible loan losses (FX adjusted)-989 298
  • Total customer deposits (FX adjusted)32 173 456
  • Issued securities2 356 987
  • Subordinated loans497 273
  • Total shareholders' equity5 239 346
  • Total assets45 075 387
  • Total customer loans (net, FX adjusted)24 858 404
  • Total customer loans (gross, FX adjusted)25 886 608
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)24 996 321
  • Allowances for possible loan losses (FX adjusted)-1 028 204
  • Total customer deposits (FX adjusted)33 384 078
  • Issued securities2 512 748
  • Subordinated loans493 150
  • Total shareholders' equity5 431 053
  • 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)4%
  • Total customer deposits (FX adjusted)4%
  • Issued securities7%
  • Subordinated loans-1%
  • Total shareholders' equity4%
  • Total assets8%
  • Total customer loans (net, FX adjusted)13%
  • Total customer loans (gross, FX adjusted)13%
  • Performing (Stage 1+2) customer loans (gross, FX-adjusted)13%
  • Allowances for possible loan losses (FX adjusted)7%
  • Total customer deposits (FX adjusted)11%
  • Issued securities0%
  • Subordinated loans26%
  • Total shareholders' equity13%

Indicators based on adjusted earnings %

3Q 20242Q 20253Q 2025Q-o-QY-o-Y
ROE (from profit after tax)27.2%25.6%24.4%-1.2%p-2.8%p
ROE (from adjusted profit after tax)27.2%25.6%24.4%-1.2%p-2.8%p
ROA (from profit after tax)3.1%3.0%2.9%0.0%p-0.1%p
ROA (from adjusted profit after tax)3.1%3.0%2.9%0.0%p-0.1%p
Operating profit margin3.98%4.13%3.94%-0.19%p-0.05%p
Total income margin6.48%6.70%6.51%-0.19%p0.02%p
Net interest margin4.26%4.31%4.31%0.00%p0.05%p
Cost-to-asset ratio2.50%2.57%2.57%0.00%p0.07%p
Cost/income ratio38.5%38.3%39.5%1.1%p0.9%p
Provision for impairment on loan losses-to-average gross loans ratio0.25%0.91%0.78%-0.14%p0.53%p
Total risk cost-to-asset ratio0.26%0.60%0.50%-0.10%p0.24%p
Effective tax rate18.1%16.3%15.3%-1.0%p-2.8%p
Net loan/deposit ratio (FX-adjusted)73%75%74%0%p1%p
Capital adequacy ratio (consolidated, IFRS) - Basel320.5%19.8%20.1%0.4%p-0.3%p
Tier1 ratio - Basel319.1%18.0%18.4%0.4%p-0.7%p
Common Equity Tier 1 ('CET1') ratio - Basel319.1%18.0%18.4%0.4%p-0.7%p

3Q 2024

2Q 2025

3Q 2025

Q-o-Q

Y-o-Y

  • ROE (from profit after tax)27.2%
  • ROE (from adjusted profit after tax)27.2%
  • ROA (from profit after tax)3.1%
  • ROA (from adjusted profit after tax)3.1%
  • Operating profit margin3.98%
  • Total income margin6.48%
  • Net interest margin4.26%
  • Cost-to-asset ratio2.50%
  • Cost/income ratio38.5%
  • Provision for impairment on loan losses-to-average gross loans ratio0.25%
  • Total risk cost-to-asset ratio0.26%
  • Effective tax rate18.1%
  • Net loan/deposit ratio (FX-adjusted)73%
  • Capital adequacy ratio (consolidated, IFRS) - Basel320.5%
  • Tier1 ratio - Basel319.1%
  • Common Equity Tier 1 ('CET1') ratio - Basel319.1%
  • 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)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)-1.2%p
  • ROE (from adjusted profit after tax)-1.2%p
  • ROA (from profit after tax)0.0%p
  • ROA (from adjusted profit after tax)0.0%p
  • Operating profit margin-0.19%p
  • Total income margin-0.19%p
  • Net interest margin0.00%p
  • Cost-to-asset ratio0.00%p
  • Cost/income ratio1.1%p
  • Provision for impairment on loan losses-to-average gross loans ratio-0.14%p
  • Total risk cost-to-asset ratio-0.10%p
  • Effective tax rate-1.0%p
  • Net loan/deposit ratio (FX-adjusted)0%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel30.4%p
  • Tier1 ratio - Basel30.4%p
  • Common Equity Tier 1 ('CET1') ratio - Basel30.4%p
  • ROE (from profit after tax)-2.8%p
  • ROE (from adjusted profit after tax)-2.8%p
  • ROA (from profit after tax)-0.1%p
  • ROA (from adjusted profit after tax)-0.1%p
  • Operating profit margin-0.05%p
  • Total income margin0.02%p
  • Net interest margin0.05%p
  • Cost-to-asset ratio0.07%p
  • Cost/income ratio0.9%p
  • Provision for impairment on loan losses-to-average gross loans ratio0.53%p
  • Total risk cost-to-asset ratio0.24%p
  • Effective tax rate-2.8%p
  • Net loan/deposit ratio (FX-adjusted)1%p
  • Capital adequacy ratio (consolidated, IFRS) - Basel3-0.3%p
  • Tier1 ratio - Basel3-0.7%p
  • Common Equity Tier 1 ('CET1') ratio - Basel3-0.7%p

Share Data

3Q 20242Q 20253Q 2025Q-o-QY-o-Y
EPS diluted (HUF) (from profit after tax)1 2031 2731 2811%6%
EPS diluted (HUF) (from adjusted profit after tax)1 2081 2791 2861%7%
Closing price (HUF)18 66027 10028 6906%54%
Highest closing price (HUF)19 15028 49030 9709%62%
Lowest closing price (HUF)17 22022 20026 92021%56%
Market Capitalization (EUR billion)13.119.020.58%56%
Book Value Per Share (HUF)18 19120 30021 1364%16%
Tangible Book Value Per Share (HUF)17 44519 50120 3484%17%
Price/Book Value1.01.31.42%32%
Price/Tangible Book Value1.11.41.41%32%
P/E (trailing, from profit after tax)5.47.07.35%34%
P/E (trailing, from adjusted profit after tax)5.07.07.35%45%
Average daily turnover (EUR million)162923-21%43%
Average daily turnover (million share)0.30.50.3-33%-10%

3Q 2024

2Q 2025

3Q 2025

Q-o-Q

Y-o-Y

  • EPS diluted (HUF) (from profit after tax)1 203
  • EPS diluted (HUF) (from adjusted profit after tax)1 208
  • Closing price (HUF)18 660
  • Highest closing price (HUF)19 150
  • Lowest closing price (HUF)17 220
  • Market Capitalization (EUR billion)13.1
  • Book Value Per Share (HUF)18 191
  • Tangible Book Value Per Share (HUF)17 445
  • Price/Book Value1.0
  • Price/Tangible Book Value1.1
  • P/E (trailing, from profit after tax)5.4
  • P/E (trailing, from adjusted profit after tax)5.0
  • Average daily turnover (EUR million)16
  • Average daily turnover (million share)0.3
  • 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)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%
  • EPS diluted (HUF) (from adjusted profit after tax)1%
  • Closing price (HUF)6%
  • Highest closing price (HUF)9%
  • Lowest closing price (HUF)21%
  • Market Capitalization (EUR billion)8%
  • Book Value Per Share (HUF)4%
  • Tangible Book Value Per Share (HUF)4%
  • Price/Book Value2%
  • Price/Tangible Book Value1%
  • P/E (trailing, from profit after tax)5%
  • P/E (trailing, from adjusted profit after tax)5%
  • Average daily turnover (EUR million)-21%
  • Average daily turnover (million share)-33%
  • EPS diluted (HUF) (from profit after tax)6%
  • EPS diluted (HUF) (from adjusted profit after tax)7%
  • Closing price (HUF)54%
  • Highest closing price (HUF)62%
  • Lowest closing price (HUF)56%
  • Market Capitalization (EUR billion)56%
  • Book Value Per Share (HUF)16%
  • Tangible Book Value Per Share (HUF)17%
  • Price/Book Value32%
  • Price/Tangible Book Value32%
  • P/E (trailing, from profit after tax)34%
  • P/E (trailing, from adjusted profit after tax)45%
  • Average daily turnover (EUR million)43%
  • Average daily turnover (million share)-10%

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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