For the first three quarters of 2026, Ipoteka bank OTP Group’s net profit reached UZS 1.8 trillion (USD 151 million), up 56% year on year. This growth confirms the success of the bank’s transformation and its chosen strategic course.
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Return on equity (ROE): 25.2%
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Capital adequacy ratio (CAR): 21.1%
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Return on assets (ROA): 3.4%
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Cost of risk (COR): −0.6%
Total assets rose 16% year on year to UZS 57.9 trillion (USD 4.89 billion). Operating profit reached UZS 2.2 trillion (USD 184.4 million), up 39% year on year.
All financial figures are presented in accordance with International Financial Reporting Standards (IFRS).
Ipoteka bank OTP Group had earlier released its financial results under national accounting standards (NAS). Those results again made it the most profitable bank in Uzbekistan, a position it has now held for three consecutive quarters.
“Today, Ipoteka bank OTP Group tops the list of Uzbekistan’s most profitable banks. These results come first of all from the trust of the clients who choose our bank, and from the tremendous work of the Ipoteka bank OTP Group team. That includes people who work directly with clients and people who make sure all our internal services meet our standards of quality and reliability. It is this shared effort that keeps us true to our strategic goals and allows us to deliver results,” said Ádám Szentpéteri, Chairman of the Management Board of Ipoteka bank OTP Group, summing up the third quarter.
These financial results reflect, first and foremost, the effective work of the team and growing client trust, which would not be possible without improvements in client metrics. In the third quarter, the Mystery Shopping score reached 93%. This score measures the actual quality of service in branches. The Mystery Calling score, which assesses the quality of support on the bank’s hotline, also rose, to 92.7%.
The Net Promoter Score (NPS) measures how willing clients are to recommend the bank to others. It rose from 58% to 74% year on year.
These metrics confirm that clients see real improvements in the bank’s everyday work: in service quality, in speed of service and in how the bank interacts with them.
At Group level, OTP also delivered strong results for the first nine months of 2026. Profit after tax reached EUR 2.4 billion, and return on equity (ROE) stood at 21.1%. The performing loan portfolio grew by 12% since the start of the year, driven mainly by mortgages, which rose 17%.
