In the first nine months of 2025, OTP Group Slovenia achieved a profit after tax of €219 million, with OTP banka generating a profit after tax of €214 million. Return on equity (ROE) reached 15.9% at group level and 15.6% at bank level.
"At OTP banka, our strong results confirm that we are on the right path. Together with our exceptional people, we are building banking that is simple, efficient, and reliable," said András Hámori, President of the Management Board of OTP banka, and added: "Our goal is clear: to deliver a premium customer experience, enable our employees to grow, and contribute to the sustainable progress of society. Digitalization, personal service, data-driven decision-making, and operational excellence form the cores of our strategy, ensuring long-term success based on trust, expertise, and responsibility."
Successful results of OTP Group Slovenija in the first nine months of 2025 were primarily driven by core income of €436.4 million. Despite the downward trend in market interest rates influenced by the European Central Bank’s monetary policy, OTP Group Slovenija successfully sustained a strong net interest margin of 3.01%. Profitability was further supported by effective cost management and low expenses related to provisions and impairments.
As of the end of September 2025, total assets of OTP Group Slovenija reached €15.1 billion, while the customer loan portfolio amounted to €7.4 billion - an increase of 6.0% compared to December 2024. Loans to retail as well as corporates increased, along with increased portfolio of financial leasing.
On the liabilities side, customer deposits remained the primary funding source, amounting to €12.1 billion as of the end of September 2025. With a net loan-to-deposit ratio (LTD) of 61.5%, the Group continues to ensure a balanced approach to managing loans and deposits.
OTP Group Slovenija's strong equity base of €1.9 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 20.9% and a liquidity coverage ratio (LCR) of 382%.
Key achievements in the first nine months of 2025:
- Profit after tax: €219 million
- Return on equity (ROE): 15.9% at Group level and 15.6% at bank level
- Total assets: €15.1 billion
- Growth in customer loans: 6.0%, amounting to €7.4 billion
- Customer deposits: €12.1 billion
- Net loan-to-deposit ratio (LTD): 61.5%
- Equity: €1.9 billion
- Total capital ratio: 20.9%
- Liquidity coverage ratio (LCR): 382%
Moody’s Ratings (Moody’s) has this week upgraded OTP banka’s long-term senior unsecured debt rating to Baa1 from Baa2, and its long- and short-term deposit ratings to A2/P-1 from A3/P-2. The outlook on the long-term senior unsecured debt and deposit ratings has been changed to stable from positive.
The rating action follows Moody’s rating action on OTP banka d.d.'s parent bank, OTP Bank Nyrt., on 30 October 2025. It also reflects the bank’s solid capitalisation, good-quality diversified loan portfolio, stable profitability despite lower interest rates, as well as a strong funding profile, with low market funding reliance, an ample deposit base and large liquidity buffers – all of which are key strengths of OTP banka d.d.'s financial profile.
OTP Group, the owner of OTP banka in Slovenia, has in the first nine months of 2025 achieved outstanding results with cumulated profit after tax amounting to €2.2 billion and ROE reaching 22.7% with the even recognition of special expenditure items (special banking taxes in Hungary, supervisory charges in Bulgaria, Hungary and Slovenia) booked at the beginning of the year in lump-sum for the whole year. The reported cumulated profit after tax, so unfiltered of the distorting effect of these above-mentioned special items, reached €2.1 billion, up by 3% y-o-y, resulting in an ROE of 21.8%.
