OTP Group Slovenia generated net profit of €128 million in H1 2026, with return on equity after tax 13.9% at Group level. The Group’s high liquidity and strong equity base continue to support stable operations and provide capacity for disciplined growth.
OTP Group Slovenia’s H1 2026 results were primarily driven by core income of €306 million, up 6% YoY, supported by 4.4% growth in net interest income and 11% growth in net fee and commission income. OTP Group Slovenia sustained a strong net interest margin of 3.04%, while profitability was further supported by disciplined cost management.
Profitability was supported also by solid fee income growth, particularly from investment and insurance products. At the same time, results were impacted by a one-off additional provision related to legal claims; excluding this effect, the underlying business remained stable and profitable.
Key achievements in H1 2026 (unaudited):
- Profit after tax: €128 million
- Return on equity (ROE): 13.9% at group level and 14.0% at bank level
- Total assets: €15.7 billion
- Growth in gross customer loans: up 6.7% to €8.3 billion
- Customer deposits: €12.6 billion
- Net loan-to-deposit ratio (LTD): 65%
- Equity: €1.8 billion
- Total capital ratio: 20.1%
- Liquidity coverage ratio (LCR): 349%
The integration of OTP Skladi marks another important milestone in our growth journey and further strengthens our ability to provide comprehensive financial solutions. While our results are strong, we remain focused on the future – continuously improving our services, investing in innovation, and creating sustainable value for our customers, employees, shareholders, and the wider community.”
The first half of 2026 was also marked by important external recognition of the successful execution of the bank’s strategy. OTP banka was once again named Slovenia’s Best Bank by Euromoney, one of the most respected international authorities in the banking industry. The recognition received by OTP banka forms part of a broader success story across the international OTP Group. Bank’s sister banks in Bulgaria, Croatia, Hungary, Moldova, Montenegro, Serbia and Uzbekistan were recognized as winners in several Euromoney categories and OTP Group was awarded the title of CEE’s Best Retail Bank 2026.
Strong results also by OTP Group
OTP Group Slovenia operates as part of OTP Group, one of the leading banking groups in Central and Eastern Europe, which also delivered strong financial and business performance in the first half of 2026.
OTP Group’s strength was further recognized internationally in 2026, when it was ranked among the world's top 400 companies in the prestigious Forbes Global 2000 list for the first time. It has also secured second place in S&P Global Market Intelligence’s latest European bank performance ranking. These achievements reflect years of consistent growth, strong profitability, disciplined execution, and a clear strategic direction, further reinforcing the Group’s position among the leading financial institutions in Central and Eastern Europe.
In July 2026, OTP Group announced the acquisition of Luminor, marking its entry into the Baltic markets of Lithuania, Latvia, and Estonia and expanding its presence to 14 European countries. This strategic milestone further strengthens OTP Group’s position as one of the leading banking groups in Central and Eastern Europe and creates new opportunities for knowledge sharing, innovation, and business development across the Group. For OTP banka in Slovenia, being part of a growing international banking group means greater capabilities, broader expertise, and an even stronger platform from which to serve our customers and support the development of the Slovenian economy.
OTP Group maintained its strong underlying financial performance in the first half of 2026. Profit after tax amounted to €1.56 billion with the prorated recognition of special items booked in a lump sum at the beginning of the year. Although this was 2% lower y-o-y, the normalized return on equity remained high at 21.0%. Reported consolidated profit after tax reached €1.30 billion, mainly reflecting the front-loaded impact of annual special taxes, supervisory fees and other specific items.
