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 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2014
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2014
Interest Income on Loans	3,009,030	2,948,264	1,901,406	1,117,459	977,887	896,136	Upgrade
Interest Income on Investments	-	-	-	-	527	7,955	Upgrade
Total Interest Income	3,009,030	2,948,264	1,901,406	1,117,459	978,414	904,091	Upgrade
Interest Paid on Deposits	1,370,980	1,561,558	874,538	243,149	195,216	197,095	Upgrade
Total Interest Expense	1,370,980	1,561,558	874,538	243,149	195,216	197,095	Upgrade
Net Interest Income	1,638,050	1,386,706	1,026,868	874,310	783,198	706,996	Upgrade
Net Interest Income Growth (YoY)	29.47%	35.04%	17.45%	11.63%	10.78%	14.19%	Upgrade
Gain (Loss) on Sale of Investments	-105,485	-1,089	-65,941	10,111	3,917	7,429	Upgrade
Gain (Loss) on Sale of Equity Investments	9,209	14,766	14,618	15,648	-	-	Upgrade
Other Non-Interest Income	688,394	828,519	569,721	436,158	399,198	364,336	Upgrade
Total Non-Interest Income	597,183	842,196	518,398	461,917	403,115	371,765	Upgrade
Non-Interest Income Growth (YoY)	-41.32%	62.46%	12.23%	14.59%	8.43%	16.35%	Upgrade
Revenues Before Loan Losses	2,235,233	2,228,902	1,545,266	1,336,227	1,186,313	1,078,761	Upgrade
Provision for Loan Losses	55,631	109,314	126,997	44,010	146,239	48,981	Upgrade
Revenue	2,179,602	2,119,588	1,418,269	1,292,217	1,040,074	1,029,780	Upgrade
Revenue Growth (YoY)	-0.95%	49.45%	9.75%	24.24%	1.00%	12.42%	Upgrade
Salaries and Employee Benefits	457,923	414,630	325,187	293,046	262,672	232,305	Upgrade
Occupancy Expenses	123,206	111,996	101,125	94,996	92,761	77,048	Upgrade
Selling, General & Administrative	332,097	321,305	260,568	221,843	208,799	189,143	Upgrade
Other Non-Interest Expense	223,901	223,899	241,877	137,727	126,893	137,834	Upgrade
Total Non-Interest Expense	1,137,127	1,071,830	928,757	747,612	691,125	636,330	Upgrade
EBT Excluding Unusual Items	1,042,475	1,047,758	489,512	544,605	348,949	393,450	Upgrade
Asset Writedown	-5,684	-4,288	-1,831	-2,529	827	-2,078	Upgrade
Other Unusual Items	183,471	160,220	-41,029	-13,641	-51,812	80,667	Upgrade
Pretax Income	1,219,449	1,201,183	377,678	528,435	297,964	467,152	Upgrade
Income Tax Expense	258,887	189,478	58,600	72,123	43,918	49,902	Upgrade
Earnings From Continuing Operations	960,562	1,011,705	319,078	456,312	254,046	417,250	Upgrade
Earnings From Discontinued Operations	-1,577	-21,246	28,003	-	5,590	-4,668	Upgrade
Minority Interest in Earnings	-3,459	-1,801	-727	-836	-	-	Upgrade
Net Income	955,526	988,658	346,354	455,476	259,636	412,582	Upgrade
Preferred Dividends & Other Adjustments	-	-	-	-	220	-	Upgrade
Net Income to Common	955,526	988,658	346,354	455,476	259,416	412,582	Upgrade
Net Income Growth	-1.64%	185.45%	-23.96%	75.43%	-37.07%	29.61%	Upgrade
Basic Shares Outstanding	266	268	269	262	258	262	Upgrade
Diluted Shares Outstanding	266	268	269	262	259	262	Upgrade
Shares Change (YoY)	-0.76%	-0.42%	2.59%	1.37%	-1.19%	-0.11%	Upgrade
EPS (Basic)	3594.11	3694.66	1288.57	1738.34	1003.69	1577.19	Upgrade
EPS (Diluted)	3592.12	3692.65	1288.15	1738.00	1003.62	1575.16	Upgrade
EPS Growth	-0.88%	186.66%	-25.88%	73.17%	-36.28%	29.67%	Upgrade
Dividend Per Share	535.710	535.710	300.000	430.407	-	248.000	Upgrade
Dividend Growth	78.57%	78.57%	-30.30%	-	-	13.24%	Upgrade
Effective Tax Rate	21.23%	15.77%	15.52%	13.65%	14.74%	10.68%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.