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OTP Bank (OTP) investor relations material
OTP Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Strong business performance in the first nine months of 2025, with robust loan and deposit growth across core markets, especially Hungary and Bulgaria, and a dominant CEE market position with 43% of net loans in Eurozone/ERM II and 75% within the EU.
Operating profit up 16% year-over-year, with after-tax profit up 5% to HUF 849.1 billion, and ROE at 22.7% (adjusted for special items), despite higher extra taxes.
Special items, mainly banking and windfall taxes, reduced profit by HUF 111 billion.
Stage 3 ratio improved to 3.4% from 3.6% year-to-date, reflecting stable portfolio quality.
Multiple credit rating upgrades from Moody’s, S&P, and Scope; named second best performing large European bank by S&P Global.
Financial highlights
Accrued profit for the first nine months reached HUF 849.1 billion (EUR 2.2–2.3 billion), up 3% year-over-year, with operating profit up 16% and pre-tax profit up 8%.
Net interest income rose 9% year-over-year, with net interest margin stable at 4.30–4.31%.
Performing loans grew 10% year-to-date, with retail momentum as the main driver.
Deposits expanded 9% year-to-date, with Hungarian and Bulgarian household deposits leading.
Cost-to-income ratio improved to 39.3–39.5%.
Outlook and guidance
Management expects FX-adjusted organic performing loan growth above 9% for 2025, with net interest margin near 4.28% and cost-to-income ratio close to 41.3%.
ROE is anticipated to be lower than 2024 due to expected leverage decrease; credit risk cost rate may remain elevated.
No major changes in risk cost outlook; risk cost rate higher due to Russia but not a concern for underlying portfolio quality.
Guidance for next year to be provided with annual results in March.
Geopolitical uncertainties and regulatory changes continue to impact the operating environment.
Quantify 4Q impact of Gödöllő Palace donation
Describe new OTP Bank leadership structure
OTP Bank Russia profit drivers despite challenges
Hungarian mortgage growth outlook
Russian bond provision strategy
Buyback program extension likelihood
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Q4 202517 Apr, 2026
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Frequently asked questions
OTP Bank Nyrt is a financial institution offering a wide array of banking and financial services. Its portfolio includes retail, private, and commercial banking solutions tailored to both individuals and corporate clients. The bank's service offerings encompass savings and current accounts, personal and corporate loans, credit and debit cards, as well as OTP and government bonds. Additionally, OTP Bank provides private banking, portfolio management, capital markets origination, cash management, liquidity management, wealth planning, investment, asset management, internet banking, mobile banking, and telephone banking services. The company is headquartered in Budapest, Hungary, and its shares are listed on the Budapest Stock Exchange.
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