OTP Group Slovenia’s solid Q1 2025 performance reflects strong market presence with a profit after tax of €69 million, ROE of 14.8% and with high liquidity and a solid capital base that supports stable operations.
In Q1 2025, OTP Group Slovenia achieved a profit after tax of €69 million, with OTP banka generating a profit after tax of €66 million. Return on equity (ROE) was 14.8% at group level and 14.2% at bank level.
OTP Group Slovenia’s profit after tax in Q1 2025 was primarily driven by core income of €144.1 million, reflecting high customer activity across all business segments. Despite the impact of decreasing market interest rates due to the European Central Bank's monetary policy, OTP Group Slovenia achieved a net interest margin of 3.05%. Additionally, stable non-interest expenses, stringent cost discipline, and reversals of cost of risk further contributed to the overall profitability in Q1 2025.
The total assets of OTP Group Slovenia reached €14.9 billion, with a 2.6% growth in the loans to customers portfolio in Q1 2025, amounting to €7.2 billion. This growth underscores the group's significant role in financing businesses, individuals, and leasing activities, which are essential for revenue generation.
On the liabilities side, customer deposits constituted the largest share, totalling €11.6 billion. The net loan-to-deposit ratio (LTD) stood at 61.8%, reflecting a balanced approach to managing loans and deposits.
OTP Group Slovenia's equity is robust at €1.9 billion, providing a solid foundation for its operations. The Group's capital and liquidity ratios are well above regulatory and internally set requirements, with a total capital ratio of 21.2% and a liquidity coverage ratio (LCR) of 333%.
Statement from András Hámori, Procurator (Chief Executive Officer - subject to regulatory approvals)
"Our achievements in last quarter clearly indicate that we are on the right path, and I am confident that together we will achieve even greater successes. Upon assuming my role, I have set three main priorities: customer focus with excellent experience, shareholder satisfaction with achieving financial goals that ensure the long-term growth and stability of our bank, and third, fostering a culture of engaged employees who are empowered to achieve their personal and professional goals.
I look forward to the challenges and opportunities that coming period brings. Together, we will build on our achievements and continue to strengthen our position among the leading banks in the country.”
OTP Group, owner of OTP banka in Slovenia, maintained a stable liquidity position, exceeding both regulatory expectations and peer indicators.
OTP Group's consolidated profit after tax in the first quarter was EUR 466 million, impacted by several special items, such as the full special banking tax and supervisory fee, totalling EUR 333 million. Had these items been booked evenly throughout the year, the 1Q profit after tax would have reached EUR 737 million.
Developments in the first quarter were in line with expectations, and accordingly, OTP Group’s management continues to expect marginal improvement in the operating environment, said László Bencsik, Deputy CEO of OTP Bank, at a press event presenting the bank's first quarter results.
More about OTP Group results: OTP Group - Investor Relations
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