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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	3,421,865	3,349,180	3,082,122	2,948,264	1,901,406	1,117,459
Total Interest Income	3,421,865	3,349,180	3,082,122	2,948,264	1,901,406	1,117,459
Interest Paid on Deposits	1,419,638	1,408,608	1,336,782	1,561,558	874,538	243,149
Total Interest Expense	1,419,638	1,408,608	1,336,782	1,561,558	874,538	243,149
Net Interest Income	2,002,227	1,940,572	1,745,340	1,386,706	1,026,868	874,310
Net Interest Income Growth (YoY)	11.71%	11.19%	25.86%	35.04%	17.45%	11.63%
Gain (Loss) on Sale of Investments	62,337	29,113	-44,947	-1,047	-67,737	10,111
Gain (Loss) on Sale of Equity Investments	25,136	21,443	12,970	14,766	14,618	15,648
Other Non-Interest Income	1,018,022	1,027,513	896,621	828,697	571,517	436,158
Total Non-Interest Income	1,104,379	1,078,069	864,644	842,416	518,398	461,917
Non-Interest Income Growth (YoY)	15.46%	24.68%	2.64%	62.50%	12.23%	14.59%
Revenues Before Loan Losses	3,106,606	3,018,641	2,609,984	2,229,122	1,545,266	1,336,227
Provision for Loan Losses	164,120	155,334	66,881	57,441	126,997	44,010
Revenue	2,942,486	2,863,307	2,543,103	2,171,681	1,418,269	1,292,217
Revenue Growth (YoY)	11.30%	12.59%	17.10%	53.12%	9.75%	24.24%
Salaries and Employee Benefits	560,819	547,038	476,152	417,137	325,187	293,046
Occupancy Expenses	157,067	153,126	134,293	107,096	101,125	94,996
Selling, General & Administrative	470,966	391,915	360,756	319,998	260,568	221,843
Other Non-Interest Expense	350,561	350,561	241,573	223,899	241,877	137,727
Total Non-Interest Expense	1,539,413	1,442,640	1,212,774	1,068,130	928,757	747,612
EBT Excluding Unusual Items	1,403,073	1,420,667	1,330,329	1,103,551	489,512	544,605
Asset Writedown	-6,129	-9,359	-7,312	-4,288	-1,831	-2,529
Other Unusual Items	-9,016	-9,383	-13,193	160,220	-41,029	-13,641
Pretax Income	1,387,254	1,401,251	1,309,824	1,201,183	377,678	528,435
Income Tax Expense	252,154	254,926	253,440	189,478	58,600	72,123
Earnings From Continuing Operations	1,135,100	1,146,325	1,056,384	1,011,705	319,078	456,312
Earnings From Discontinued Operations	-381	-	19,756	-21,246	28,003	-
Minority Interest in Earnings	-5,020	-5,627	-4,227	-1,801	-727	-836
Net Income	1,129,699	1,140,698	1,071,913	988,658	346,354	455,476
Net Income to Common	1,129,699	1,140,698	1,071,913	988,658	346,354	455,476
Net Income Growth	10.79%	6.42%	8.42%	185.45%	-23.96%	75.43%
Basic Shares Outstanding	256	257	265	268	269	262
Diluted Shares Outstanding	256	257	265	268	269	262
Shares Change (YoY)	-2.53%	-2.80%	-1.15%	-0.42%	2.59%	1.37%
EPS (Basic)	4415.81	4435.38	4051.95	3694.66	1288.57	1738.34
EPS (Diluted)	4412.84	4434.00	4050.65	3692.65	1288.15	1738.00
EPS Growth	13.66%	9.46%	9.70%	186.66%	-25.88%	73.17%
Dividend Per Share	1071.430	1071.430	964.280	539.500	300.000	430.407
Dividend Growth	11.11%	11.11%	78.74%	79.83%	-30.30%	-
Effective Tax Rate	18.18%	18.19%	19.35%	15.77%	15.52%	13.65%

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