Return on equity (ROE) reached 14.3% at Group level and 14.0% at bank level, confirming the Group’s strong earnings capacity and disciplined capital management. High liquidity and a solid capital base continue to ensure stable and resilient operations.
Solid performance in a complex and rapidly changing environment
The year 2025 was marked by fast macroeconomic shifts, geopolitical uncertainty, rapid technological advancements and increasingly complex regulatory frameworks. Operating in such an environment requires resilience, adaptability and a clear strategic focus. OTP Group Slovenia demonstrated its ability to successfully navigate these challenges while maintaining profitability, balance sheet strength and a prudent risk profile.
Strong results in FY 2025 were primarily driven by core income of €587.6 million. Despite the downward trend in market interest rates influenced by the European Central Bank’s monetary policy, OTP Group Slovenia sustained a solid net interest margin of 3.02%. Profitability was further supported by effective cost management.
Despite additional impairments and provisions related to the metal industry, the Group closed the year with a profit after tax of €266 million, confirming the financial stability and resilience of its business model. The results achieved provide a solid foundation for the continued execution of strategic objectives and sustainable growth.
Balance sheet strength and continued support to the economy
As of the end of December 2025, total assets of OTP Group Slovenia reached €15.4 billion, while the customer loan portfolio amounted to €7.6 billion, representing a 9.0% increase compared to December 2024. Growth was recorded across retail and corporate lending, as well as in the financial leasing portfolio.
On the liabilities side, customer deposits remained the primary funding source, amounting to €12.3 billion. With a net loan-to-deposit ratio of 62.0%, the Group continues to follow a balanced and conservative funding approach. A strong equity base of €1.9 billion, together with capital and liquidity ratios well above regulatory and internal requirements (total capital ratio of 21.2% and liquidity coverage ratio of 394%), provides a robust foundation for continued lending activity and long-term stability.
In an environment characterised by uncertainty, strong financial performance enables OTP banka to continue supporting Slovenian companies and individuals, ensuring access to financing and contributing to the stability and competitiveness of the broader economy.
OTP banka as strategic partner
“In an environment marked by rapid macroeconomic shifts, geopolitical uncertainty and accelerating technological change, OTP Group Slovenia once again demonstrated resilience, stability and strong performance,” said András Hámori, President of the Management Board of OTP banka. “Strong capital and liquidity positions allow us not only to successfully navigate volatility, but also to remain a reliable partner to our clients and to the Slovenian economy. We are confident that these foundations will enable us to continue executing our strategy and supporting sustainable growth in the years ahead.”
Strength of the OTP Group – a stable strategic owner
OTP Group Slovenia operates as part of the OTP Group, one of the leading banking groups in Central and Eastern Europe. The OTP Group also delivered strong results, once again demonstrating its financial strength, stability and long-term strategic orientation. As a stable and reliable strategic owner, the OTP Group provides capital strength, know-how and support that enable OTP Group Slovenia to accelerate its digital transformation, strengthen its capabilities and consistently execute its strategic priorities in a demanding operating environment.
OTP Group achieved € 2.88 billion profit after tax in 2025, resulting in a 21.6% return on equity (ROE). Annual profit after tax increased by 7%, mainly driven by a 10% improvement in operating profit. Foreign subsidiaries accounted for 71% of the Group’s total profit after tax. Last year the Group also recorded impressive deposit growth: the 11% consolidated increase was nearly twice the comparable indicator of successful European banking groups. OTP Group’s capital position remains strong, with a Common Equity Tier 1 (CET1) ratio of 18.1%.
