OTP Bank Nyrt. Balance Sheet

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

Millions HUF. Fiscal year is Jan - Dec.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Cash & Equivalents	4,501,566	2,540,530	3,517,287	4,859,342	2,597,688	1,701,561
Investment Securities	11,636,906	12,408,625	11,543,288	8,775,069	8,098,083	7,819,311
Trading Asset Securities	551,251	376,976	717,251	263,164	429,479	306,751
Mortgage-Backed Securities	-	30,167	34,233	30,344	54,553	63,072
Total Investments	12,188,157	12,815,768	12,294,772	9,068,577	8,582,115	8,189,134
Gross Loans	27,430,136	27,126,107	24,586,004	21,602,017	19,894,584	16,795,240
Allowance for Loan Losses	-994,605	-1,075,021	-1,003,768	-973,653	-1,051,324	-898,797
Other Adjustments to Gross Loans	-	-223,366	-225,383	-223,217	-164,710	-141,138
Net Loans	26,435,531	25,827,720	23,356,853	20,405,147	18,678,550	15,755,305
Property, Plant & Equipment	654,829	682,658	661,070	597,822	523,406	461,862
Goodwill	65,182	68,170	71,308	66,932	68,319	105,640
Other Intangible Assets	316,107	317,626	285,256	224,426	168,712	142,991
Investments in Real Estate	76,567	92,977	88,240	53,381	47,452	29,882
Other Receivables	1,715,523	143,798	124,758	138,723	123,999	85,806
Restricted Cash	-	2,425,105	2,561,725	2,265,707	1,623,704	854,474
Other Current Assets	68,617	296,536	235,225	1,740,281	204,592	157,431
Long-Term Deferred Tax Assets	70,647	76,274	56,583	55,691	75,421	15,109
Other Real Estate Owned & Foreclosed	-	16,864	20,650	17,121	8,177	7,423
Other Long-Term Assets	552,452	123,118	145,401	115,994	102,075	46,766
Total Assets	46,645,178	45,427,144	43,419,128	39,609,144	32,804,210	27,553,384

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Accounts Payable	-	82,090	99,594	73,350	56,828	46,243
Accrued Expenses	-	265,720	311,792	188,875	224,479	188,833
Interest Bearing Deposits	33,721,692	33,732,764	31,658,189	28,332,271	25,188,805	21,068,644
Total Deposits	33,721,692	33,732,764	31,658,189	28,332,271	25,188,805	21,068,644
Short-Term Borrowings	335,272	94,269	136,903	204,547	413,696	263,670
Current Portion of Long-Term Debt	-	819,813	1,312,964	1,124,273	677,263	546,086
Current Portion of Leases	-	14,224	15,171	12,425	13,757	11,761
Current Income Taxes Payable	23,499	35,641	76,787	69,948	28,866	36,581
Other Current Liabilities	19,683	248,580	261,128	1,352,896	179,280	112,068
Long-Term Debt	5,755,397	3,931,027	3,881,848	3,678,950	2,238,082	1,812,277
Long-Term Leases	79,742	68,177	66,938	63,888	50,021	41,525
Pension & Post-Retirement Benefits	-	15,481	13,785	11,846	9,556	10,218
Long-Term Deferred Tax Liabilities	29,044	28,347	32,637	28,663	40,094	24,045
Other Long-Term Liabilities	1,171,953	465,395	431,379	372,419	361,171	354,667
Total Liabilities	41,136,282	39,801,528	38,299,115	35,514,351	29,481,898	24,516,618

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Common Stock	28,000	28,000	28,000	28,000	28,000	28,000
Retained Earnings	5,949,439	1,693,815	1,711,141	1,447,695	1,120,505	1,299,935
Treasury Stock	-514,442	-458,637	-245,319	-120,489	-106,862	-106,941
Comprehensive Income & Other	52	4,346,760	3,616,511	2,731,627	2,274,710	1,809,574
Total Common Equity	5,463,049	5,609,938	5,110,333	4,086,833	3,316,353	3,030,568
Minority Interest	45,847	15,678	9,680	7,960	5,959	6,198
Shareholders' Equity	5,508,896	5,625,616	5,120,013	4,094,793	3,322,312	3,036,766
Total Liabilities & Equity	46,645,178	45,427,144	43,419,128	39,609,144	32,804,210	27,553,384

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Total Debt	6,170,411	4,927,510	5,413,824	5,084,083	3,392,819	2,675,319
Net Cash (Debt)	89	218,629	1,044,452	1,829,305	1,026,439	978,906
Net Cash Growth	-99.99%	-79.07%	-42.90%	78.22%	4.86%	2.94%
Net Cash Per Share	0.35	849.86	3946.50	6832.46	3817.56	3734.93
Filing Date Shares Outstanding	264.26	265.58	272.95	279.43	279.65	276.75
Total Common Shares Outstanding	264.26	265.58	272.95	279.43	279.65	276.75
Book Value Per Share	20672.95	21123.08	18722.58	14625.75	11859.12	10950.62
Tangible Book Value	5,081,760	5,224,142	4,753,769	3,795,475	3,079,322	2,781,937
Tangible Book Value Per Share	19230.10	19670.44	17416.25	13583.05	11011.51	10052.22