Best bank: OTP Bank
OTP Bank’s Slovenian business saw broader customer reach through ongoing upgrades to its core banking experience in 2025, including continuous digital platform enhancements, as well as expanded accessibility and service functionality.
By the end of the first three quarters of 2025, net profit reached €219.1 million, while gross income rose to €452 million, supported by €338 million in net interest income and €133.5 million in fees and commissions. Lending remained a key driver, with the customer loan book growing to €7.4 billion, equivalent to a 24.6% market share, and a Moody’s upgrade of the bank’s long-term ratings reflecting strengthened capital, funding and liquidity metrics.
Delivery against a digital‑first strategy translated into measurable changes in customer behaviour and service efficiency. Digital channels accounted for 96% of all transactions, underpinned by upgrades to mobile and online banking, the introduction of a mobile token, and push‑based authentication in the contact centre that reduced friction in customer verification.
Implementation of instant payments and verification of payee aligned with EU regulation enabled real‑time domestic and cross‑border transfers, while accessibility upgrades across digital platforms broadened usability in line with Web Content Accessibility Guidelines.
Product development focused on both reach and depth. The revamp of retail bundles, including the Ježek youth offering, introduced a dedicated package for younger customers to support early financial engagement and inclusion. This coincided with expanded digital onboarding for brokerage services and enhanced investment fund functionality through new partnerships.
The acquisition of Primorski skladi, a Slovenian fund management company, strengthened domestic asset management capabilities and added local expertise.
Meanwhile, involvement in Slovenia’s retail government bond issuance and green financing volumes exceeding €300 million reflected broader activity across capital markets and sustainable lending.
