Best bank: Tatra banka
A combination of strong profitability growth, rapid digital product expansion and proactive responses to regulatory change underpinned Tatra banka’s strong performance in Slovakia in 2025.
Preliminary results for 2025 show net income reaching €240.1 million, with year-on-year profit growth of around 20% by the third quarter, supported by loan book expansion and rising market share in both loans and deposits. Growth was achieved alongside stable cost discipline, reflected in a cost-to-income ratio below 44%, and continued balance sheet expansion pushed the loan-to-deposit ratio close to 98%.
The bank introduced fully digital mortgage origination through Digital MortgageTB, allowing end-to-end application via mobile, including onboarding for new clients using biometric identity verification.
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