OTP Bank Nyrt. Balance Sheet

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
Period Ending	Sep '25 Sep 30, 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
Cash & Equivalents	4,274,826	3,517,287	4,859,342	2,597,688	1,701,561	1,674,777
Investment Securities	11,187,984	11,543,288	8,775,069	8,098,083	7,819,311	6,125,204
Trading Asset Securities	435,302	717,251	263,164	429,479	306,751	181,015
Mortgage-Backed Securities	-	34,233	30,344	54,553	63,072	88,272
Total Investments	11,623,286	12,294,772	9,068,577	8,582,115	8,189,134	6,394,491
Gross Loans	25,886,607	24,586,004	21,602,017	19,894,584	16,795,240	14,496,236
Allowance for Loan Losses	-1,028,204	-1,003,768	-973,653	-1,051,324	-898,797	-854,145
Other Adjustments to Gross Loans	-	-225,383	-223,217	-164,710	-141,138	-88,257
Net Loans	24,858,403	23,356,853	20,405,147	18,678,550	15,755,305	13,553,834
Property, Plant & Equipment	665,850	661,070	597,822	523,406	461,862	369,049
Goodwill	69,428	71,308	66,932	68,319	105,640	101,393
Other Intangible Assets	298,404	285,256	224,426	168,712	142,991	137,611
Investments in Real Estate	87,341	88,240	53,381	47,452	29,882	38,601
Accrued Interest Receivable	-	-	-	-	-	14,465
Other Receivables	2,454,825	124,758	138,723	123,999	85,806	78,693
Restricted Cash	-	2,561,725	2,265,707	1,623,704	854,474	757,535
Other Current Assets	-	235,225	1,740,281	204,592	157,431	133,294
Long-Term Deferred Tax Assets	69,331	56,583	55,691	75,421	15,109	22,317
Other Real Estate Owned & Foreclosed	-	20,650	17,121	8,177	7,423	11,740
Other Long-Term Assets	673,693	145,401	115,994	102,075	46,766	48,041
Total Assets	45,075,387	43,419,128	39,609,144	32,804,210	27,553,384	23,335,841
Accounts Payable	-	99,594	73,350	56,828	46,243	41,460
Accrued Expenses	-	311,792	188,875	224,479	188,833	137,083
Interest Bearing Deposits	33,379,889	31,658,189	28,332,271	25,188,805	21,068,644	17,882,389
Total Deposits	33,379,889	31,658,189	28,332,271	25,188,805	21,068,644	17,882,389
Short-Term Borrowings	131,619	136,903	204,547	413,696	263,670	116,164
Current Portion of Long-Term Debt	262,087	1,312,964	1,124,273	677,263	546,086	395,128
Current Portion of Leases	-	15,171	12,425	13,757	11,761	10,937
Current Income Taxes Payable	47,329	76,787	69,948	28,866	36,581	29,528
Accrued Interest Payable	-	-	-	-	-	8,474
Other Current Liabilities	-	261,128	1,352,896	179,280	112,068	88,639
Long-Term Debt	4,609,695	3,881,848	3,678,950	2,238,082	1,812,277	1,684,661
Long-Term Leases	79,619	66,938	63,888	50,021	41,525	37,514
Pension & Post-Retirement Benefits	-	13,785	11,846	9,556	10,218	13,371
Long-Term Deferred Tax Liabilities	31,667	32,637	28,663	40,094	24,045	25,990
Other Long-Term Liabilities	1,102,429	431,379	372,419	361,171	354,667	327,391
Total Liabilities	39,644,334	38,299,115	35,514,351	29,481,898	24,516,618	20,798,729
Common Stock	28,000	28,000	28,000	28,000	28,000	28,000
Retained Earnings	5,784,614	1,711,141	1,447,695	1,120,505	1,299,935	1,004,218
Treasury Stock	-393,591	-245,319	-120,489	-106,862	-106,941	-124,080
Comprehensive Income & Other	52	3,616,511	2,731,627	2,274,710	1,809,574	1,624,858
Total Common Equity	5,419,075	5,110,333	4,086,833	3,316,353	3,030,568	2,532,996
Minority Interest	11,978	9,680	7,960	5,959	6,198	4,116
Shareholders' Equity	5,431,053	5,120,013	4,094,793	3,322,312	3,036,766	2,537,112
Total Liabilities & Equity	45,075,387	43,419,128	39,609,144	32,804,210	27,553,384	23,335,841
Total Debt	5,083,020	5,413,824	5,084,083	3,392,819	2,675,319	2,244,404
Net Cash (Debt)	760,702	1,044,452	1,829,305	1,026,439	978,906	950,980
Net Cash Growth	-75.36%	-42.90%	78.22%	4.86%	2.94%	2425.98%
Net Cash Per Share	2936.05	3946.50	6832.46	3817.56	3734.93	3678.23
Filing Date Shares Outstanding	267.59	272.95	279.43	279.65	276.75	275.67
Total Common Shares Outstanding	267.59	272.95	279.43	279.65	276.75	275.67
Book Value Per Share	20251.07	18722.58	14625.75	11859.12	10950.62	9188.65
Tangible Book Value	5,051,243	4,753,769	3,795,475	3,079,322	2,781,937	2,293,992
Tangible Book Value Per Share	18876.48	17416.25	13583.05	11011.51	10052.22	8321.64

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