Ipoteka Bank OTP Group earned 1.8 trillion soums net profit in 9 months: up 56% on last year

Ipoteka Bank OTP Group published its financial results for the first 9 months of 2026 under International Financial Reporting Standards (IFRS). The data below are based on the text of a Telegram channel that links to the announcement on the bank's website; this is not the financial statements themselves.

Key results

Indicator	9 months of 2026	Growth (per the announcement)
Net profit	1.8 trillion soums (USD 151 million)	+56%
Total assets	57.9 trillion soums	+16%
Operating profit	2.2 trillion soums	+39%

Financial indicators

Indicator	Value
Return on equity (ROE)	25.2%
Capital adequacy (CAR)	21.1%
Return on assets (ROA)	3.4%
Cost of risk (COR)	−0.6%

Service quality indicators

Indicator	Value
Mystery Shopping index (service quality in branches)	93%
Mystery Calling indicator (contact centre)	92.7%
NPS index (customers' willingness to recommend the bank)	from 58% to 74%

The text also says that under national standards (NAS) too the bank remains the sector leader by net profit, for a third quarter running. The Chairman of the Management Board, Adam Szentpéteri, explained the growth by customer trust, the team's work and the changes in the bank.

The announcement also covers OTP Group: in 9 months of 2026 the group earned 2.4 billion euros of net profit; its return on equity was 21.1%, its loan portfolio grew 12% since the start of the year and its mortgage loan portfolio grew 17%.

What do the numbers show?

The calculations below were made by the author from the published rounded numbers, so the results are approximate:

Net profit in the same period last year was about 1.15 trillion soums (1.8 / 1.56).
Total assets a year earlier were about 49.9 trillion soums (57.9 / 1.16); the post calls the 16% growth "annual" and does not state the comparison date, so this is approximate.
Operating profit was earlier about 1.58 trillion soums (2.2 / 1.39); the post does not state the comparison base, so this is approximate.
NPS rose by 16 percentage points (74 − 58).
The bank's ROE (25.2%) is 4.1 percentage points above the group's (21.1%). The post does not say that both indicators are calculated the same way.

What is not known?

The post does not say exactly which dates the growth of profit, assets and operating profit is measured against; the IFRS and NAS profit amounts are not given separately.
The exchange rate used to convert profit between dollars and soums and the full text of the bank's report are not available to us.
It is not stated what NAS figures the "leading position" rests on or what other banks' results are.

Note

This news item relies on the text of a Telegram channel that links to the bank's announcement. Indicators under IFRS and under NAS may differ; the bank's announcement does not give the full indicators of either set of statements.