OTP Bank’s consumer franchise expanded on every front over the review period, powered by record‐setting retail lending, a fast-growing digital customer base and a payments ecosystem that is becoming ubiquitous across Central and Eastern Europe.
In Hungary, the group’s home market, retail lending accelerated. New mortgage volumes more than doubled year-on-year while cash loans jumped by over 60%, lifting total loans 6%.
Almost 4 million Hungarians now bank with OTP and more than half of them are digitally active. This momentum has been powered by features such as selfie- and NFC-based account opening that puts a ready-to-use virtual card in the customer’s wallet in under 10 minutes, a one-click mobile overdraft journey and a fully automated cash-loan process that can disburse funds within minutes.
Digital traction is mirrored in other significant markets. The bank’s Bulgarian subsidiary DSK Bank registered 2.7 million clients and achieved a growth of 19% in consumer lending and 28% in mortgages, while posting an industry-low 32% cost-to-income ratio.
In Croatia, household credit expanded 21% in consumer and 14% in mortgages, helping the bank deliver an 11% profit rise.
Serbia’s operation, serving almost 1.1 million active customers, grew performing loans 11% while deposits surged 17%, driving its net loan-to-deposit ratio down to a comfortable 96% and profitability up to a 16.5% return on equity (ROE).
Technology is redefining everyday banking across the bank’s operations. Its flagship mobile app now hosts hundreds of features
In Slovenia, the bank completed the legal and operational merger of its subsidiaries SKB Banka and Nova KBM. The newly rebranded OTP banka d.d. serves 830,000 customers through 82 branches, and is already rolling out Apple Pay, Garmin Pay and upgraded Smart POS. The new bank produced €287 million net profit and recorded a 16% ROE.
“OTP Group, serving 17 million customers in 11 countries, drives innovation through AI-powered, customer-centric solutions. Our regional strength enables cross-border collaboration, while advanced fraud prevention and digital tools ensure secure, personalised experiences. We’re shaping the future of banking with scalable technologies tailored to local needs”, says Péter Csányi, CEO of OTP Bank.
Technology is redefining everyday banking across the bank’s operations. Its flagship mobile app now hosts hundreds of features, while its “Simple” ecosystem has passed 3.5 million registered users. Online merchant onboarding, launched in January 2024, has cut contract-signing times for small businesses, with 40% of applications completed in under 10 minutes. In branches, cash-light and cashless concepts plus cash-recycling ATMs trimmed over-the-counter cash transactions by 38%, yet customer sentiment strengthened, reflected by improving customer satisfaction scores.
As András Becsei, deputy CEO of OTP Bank and head of retail division, puts it: “We’re building a future-ready ecosystem, modern advisory-driven branches, smart contact centres, and digital-first innovations, while also pioneering beyond-banking and research-driven solutions that result in a personalised, sustainable customer service.”
Sustainability is equally visible to retail clients. The group’s green loan book leapt 57% to Ft1.027 trillion ($3 billion) on its way to a 2025 target of Ft1.5 trillion. Innovations such as Croatia’s Sunny Loan for energy upgrades, Slovenia’s preferential-rate green mobility and housing products, and Hungary’s 342,000 “Virtual Piggy Bank” micro-savings accounts align everyday banking with environmental goals.
