OTP Bank Nyrt. Income Statement

Financials in millions HUF. Fiscal year is January - December.

Millions HUF. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Mar '25 Mar 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Interest Income on Loans	3,126,769	3,082,122	2,948,264	1,901,406	1,117,459	977,887	Upgrade
Interest Income on Investments	-	-	-	-	-	527	Upgrade
Total Interest Income	3,126,769	3,082,122	2,948,264	1,901,406	1,117,459	978,414	Upgrade
Interest Paid on Deposits	1,334,465	1,336,782	1,561,558	874,538	243,149	195,216	Upgrade
Total Interest Expense	1,334,465	1,336,782	1,561,558	874,538	243,149	195,216	Upgrade
Net Interest Income	1,792,304	1,745,340	1,386,706	1,026,868	874,310	783,198	Upgrade
Net Interest Income Growth (YoY)	19.96%	25.86%	35.04%	17.45%	11.63%	10.78%	Upgrade
Gain (Loss) on Sale of Investments	-43,806	-44,947	-1,047	-67,737	10,111	3,917	Upgrade
Gain (Loss) on Sale of Equity Investments	11,468	12,970	14,766	14,618	15,648	-	Upgrade
Other Non-Interest Income	989,230	896,841	828,477	571,517	436,158	399,198	Upgrade
Total Non-Interest Income	956,687	864,864	842,196	518,398	461,917	403,115	Upgrade
Non-Interest Income Growth (YoY)	28.13%	2.69%	62.46%	12.23%	14.59%	8.43%	Upgrade
Revenues Before Loan Losses	2,748,991	2,610,204	2,228,902	1,545,266	1,336,227	1,186,313	Upgrade
Provision for Loan Losses	105,113	66,881	57,441	126,997	44,010	146,239	Upgrade
Revenue	2,643,878	2,543,323	2,171,461	1,418,269	1,292,217	1,040,074	Upgrade
Revenue Growth (YoY)	19.46%	17.13%	53.11%	9.75%	24.24%	1.00%	Upgrade
Salaries and Employee Benefits	497,501	476,152	417,137	325,187	293,046	262,672	Upgrade
Occupancy Expenses	139,730	134,293	107,096	101,125	94,996	92,761	Upgrade
Selling, General & Administrative	377,108	360,756	319,998	260,568	221,843	208,799	Upgrade
Other Non-Interest Expense	340,614	241,573	223,899	241,877	137,727	126,893	Upgrade
Total Non-Interest Expense	1,354,953	1,212,774	1,068,130	928,757	747,612	691,125	Upgrade
EBT Excluding Unusual Items	1,288,925	1,330,549	1,103,331	489,512	544,605	348,949	Upgrade
Asset Writedown	-10,543	-7,312	-4,288	-1,831	-2,529	827	Upgrade
Other Unusual Items	-13,306	-13,193	160,220	-41,029	-13,641	-51,812	Upgrade
Pretax Income	1,264,856	1,309,824	1,201,183	377,678	528,435	297,964	Upgrade
Income Tax Expense	256,181	253,440	189,478	58,600	72,123	43,918	Upgrade
Earnings From Continuing Operations	1,008,675	1,056,384	1,011,705	319,078	456,312	254,046	Upgrade
Earnings From Discontinued Operations	16,080	19,756	-21,246	28,003	-	5,590	Upgrade
Minority Interest in Earnings	-5,124	-4,227	-1,801	-727	-836	-	Upgrade
Net Income	1,019,631	1,071,913	988,658	346,354	455,476	259,636	Upgrade
Preferred Dividends & Other Adjustments	-	-	-	-	-	220	Upgrade
Net Income to Common	1,019,631	1,071,913	988,658	346,354	455,476	259,416	Upgrade
Net Income Growth	-1.33%	8.42%	185.45%	-23.96%	75.43%	-37.07%	Upgrade
Basic Shares Outstanding	263	265	268	269	262	258	Upgrade
Diluted Shares Outstanding	263	265	268	269	262	259	Upgrade
Shares Change (YoY)	-1.75%	-1.15%	-0.42%	2.59%	1.37%	-1.19%	Upgrade
EPS (Basic)	3883.82	4051.95	3694.66	1288.57	1738.34	1003.69	Upgrade
EPS (Diluted)	3882.59	4050.65	3692.65	1288.15	1738.00	1003.62	Upgrade
EPS Growth	0.43%	9.70%	186.66%	-25.88%	73.17%	-36.28%	Upgrade
Dividend Per Share	964.280	964.280	539.500	300.000	430.407	-	Upgrade
Dividend Growth	78.74%	78.74%	79.83%	-30.30%	-	-	Upgrade
Effective Tax Rate	20.25%	19.35%	15.77%	15.52%	13.65%	14.74%	Upgrade

Source: S&P Global Market Intelligence. Banks template. Financial Sources.