»The results for the first nine months demonstrate the strength and resilience of our underlying business. We continued to grow across our key customer segments, increased our recurring income and maintained strong capital and liquidity levels. While additional provisions related to legacy legal matters affected our reported profit, they do not change the fundamentals of our business. We remain focused on supporting our customers, growing responsibly and strengthening our position in the Slovenian market,« said András Hámori, CEO of OTP banka.
Strong underlying performance and higher core income
OTP Group Slovenia generated operating profit before impairments and provisions of €273.2 million in the first nine months of 2026, up 3.5% year on year.
Reported profit after tax amounted to €132.6 million, down 39.5% year on year, reflecting the impact of additional provisions despite growth in operating profit. Adjusted return on equity stood at 14.9%, excluding the one-off provisions recognized during the first nine months of 2026.
Core income increased by 6.2% year on year to €464.9 million. Net interest income rose by 5.3% to €357.0 million, while net fee and commission income increased by 9.7% to €107.9 million. The net interest margin remained stable at 3.06%. Fee growth was supported by increased customer activity in investment and insurance products.
Additional provisions related to legacy legal matters
During the reporting period, the Bank recognized additional provisions in relation to ongoing legal matters stemming from prior periods.
The provisions represent an accounting estimate of potential obligations based on currently available information and assessments and do not reflect a deterioration in the Bank’s underlying business performance. The Bank will continue to assess all available legal remedies and take appropriate steps to protect its position.
Strong capital and liquidity position
Capital and liquidity remained well above regulatory requirements. The total capital ratio stood at 19.59%, the Tier 1 capital ratio at 19.04%, and the liquidity coverage ratio at 320%.
These buffers provide a solid basis for continued customer support and disciplined growth.
Continued growth across customer segments
Total assets reached €15.8 billion, while gross customer loans increased by 9% from year-end 2025 to €8.4 billion.
Customer activity remained strong across all key business areas:
- retail loans increased by 6%,
- domestic large and medium-sized enterprise loans increased by 8%, and
- leasing increased by 12%.
Key results for the first nine months of 2026
- Operating profit before impairments and provisions: €273.2 million
- Core income: €464.9 million
- Net interest income: €357.0 million
- Net fee and commission income: €107.9 million
- Recurring profit after tax: €207.9 million
- Recurring return on equity : 14,9 %
- Reported profit after tax: €132.6 million
- Reported return on equity: 9,5 %
- Gross customer loans: €8.4 billion
- Customer deposits: €12.7 billion
- Net loan-to-deposit ratio: 65,8 %
- Total capital ratio: 19,59 %
- Tier 1 capital ratio: 19,04 %
- Liquidity coverage ratio: 320 %
OTP Group, the parent banking group of OTP banka in Slovenia, maintains high profitability and a strong capital position
OTP Group’s results for the first nine months of 2026 confirm the strength, resilience and continued growth of one of the region’s leading banking groups. Normalized profit after tax reached EUR 2.4 billion, with normalized return on equity (ROE) at 21.1 %, while customer performing loans increased by 12 % year-to-date. Credit quality remained stable, with the Stage 3 loan ratio decreasing by 0.3 percentage points from the end of 2025 to 3.2%.
Alongside an improvement in the net interest margin to 4.61%, OTP Group maintained a very strong capital position, with the CET1 ratio standing at 17.8%.
