In H1 2025, OTP Group Slovenia achieved a profit after tax of €141 million, with OTP banka generating a profit after tax of €138 million. Return on equity (ROE) was 15.5% at group level and 15.2% at bank level.
“Our strong performance in the first half of 2025 reflects the strength of our strategy, the dedication of our people, and the trust of our clients,” said András Hámori, CEO of OTP banka. “We are honored to be named Best Bank in Slovenia by Euromoney, and we remain committed to shaping the future of banking through innovation, customer focus, and long-term vision.”
The key driver of OTP Group Slovenia’s profit after tax in H1 2025 was core income of €288.5 million. Despite a decline in market interest rates influenced by the European Central Bank’s monetary policy, OTP Group Slovenia successfully sustained a strong net interest margin of 3.01%. Effective cost management and low of cost of risk further strengthened the overall profitability in H1 2025.
As of the end of June 2025, total assets of OTP Group Slovenia reached €15.0 billion, while the customer loan portfolio amounted to €7.4 billion - an increase of 5.1% compared to December 2024. This growth reflects the Group's significant role in financing individuals, businesses and leasing activities, which are essential for revenue generation.
On the liabilities side, customer deposits remained the primary funding source, amounting to €12.0 billion as of the end of June 2025. With a net loan-to-deposit ratio (LTD) of 61.4%, the Group continues to ensure a balanced approach to managing loans and deposits.
OTP Group Slovenia's strong equity base of €1.8 billion provides a solid foundation for its operations. The Group maintains its capital and liquidity ratios well above regulatory and internally set requirements, with a total capital ratio of 21.4% and a liquidity coverage ratio (LCR) of 381%.
Highlights of H1 2025:
- Profit after tax: €141 million (€138 million Bank)
- Return on equity (ROE): 15.5 % (Group), 15.2% (Bank)
- Total assets: €15.0 billion
- Customer loan growth: +5.1 % (amounting to €7.4 billion end of June 2025)
- Customer deposits: €12.0 billion
- Net loan-to-deposit ratio (LTD): 61.4%
- Equity: €1.8 billion
- Total capital ratio: 21.4%
- Liquidity coverage ratio (LCR): 381%, well above regulatory requirements.
The reported half-year profit after tax is impacted by several special items, such as the special banking tax and supervisory fee, reached €1.28 billion, up by 2% y-o-y, resulting in an ROE of 20.3%. Semi-annual profit before tax improved by 13% y-o-y, fuelled by the 20% increase in operating profit.
OTP Group also Maintains Top-Tier Resilience in EBA’s 2025 Stress Test. It has once again demonstrated its outstanding financial resilience in European Banking Authority’s (EBA) 2025 stress test. Among 64 participating European banks - representing approximately 75% of the EU’s banking sector by total assets - OTP ranked in the top third. The results confirm that even under a severe hypothetical economic downturn, OTP would maintain capital levels above the regulatory minimum throughout the three-year stress horizon.
More about OTP Group half-year results: OTP Group - Summary - OTP Group’s First half 2025 results
