By Helgi Library - May 25, 2018
OTP Banka Slovakia's capital adequacy ratio reached 15.0% at the end of 2017, up from 12.9% compared to the previous year. Hi...
By Helgi Library - May 25, 2018
OTP Banka Slovakia's capital adequacy ratio reached 15.0% at the end of 2017, up from 12.9% compared to the previous year. Hi...
By Helgi Library - December 12, 2019
OTP Banka Slovakia's customer loans reached EUR 1,142 mil in 2017, down 0.341% compared to the previous year. Slovak banking se...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | EUR mil | 47.3 | 47.5 | 43.9 |
| Net Fee Income | EUR mil | 10.9 | 10.5 | 11.7 |
| Other Income | EUR mil | 0 | 3.08 | 0.954 |
| Total Revenues | EUR mil | 58.2 | 61.1 | 56.6 |
| Staff Cost | EUR mil | 17.5 | 17.7 | 17.9 |
| Operating Profit | EUR mil | 17.9 | 22.6 | 19.1 |
| Provisions | EUR mil | 14.1 | 26.2 | 24.8 |
| Net Profit | EUR mil | 2.95 | -3.02 | -5.93 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | EUR mil | 127 | 0.002 | 0.009 |
| Customer Loans | EUR mil | 1,145 | 1,146 | 1,142 |
| Total Assets | EUR mil | 1,435 | 1,456 | 1,458 |
| Shareholders' Equity | EUR mil | 114 | 108 | 126 |
| Interbank Borrowing | EUR mil | 14.3 | 3.14 | 10.4 |
| Customer Deposits | EUR mil | 1,234 | 1,181 | 1,110 |
| Issued Debt Securities | EUR mil | 54.9 | 136 | 188 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 2.66 | -2.73 | -5.09 |
| ROA | % | 0.204 | -0.209 | -0.407 |
| Costs (As % Of Assets) | % | 2.78 | 2.66 | 2.58 |
| Costs (As % Of Income) | % | 69.2 | 63.0 | 66.3 |
| Capital Adequacy Ratio | % | 13.4 | 12.9 | 15.0 |
| Net Interest Margin | % | 3.26 | 3.29 | 3.01 |
| Loans (As % Of Deposits) | % | 92.8 | 97.0 | 103 |
| NPLs (As % Of Loans) | % | 9.05 | 11.9 | 7.20 |
| Provisions (As % Of NPLs) | % | 49.3 | 54.4 | 97.3 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 3.85 | 4.94 | -7.43 |
| Operating Cost Growth | % | -4.83 | -4.57 | -2.48 |
| Operating Profit Growth | % | 30.6 | 26.3 | -15.8 |
| Net Profit Growth | % | 567 | -202 | 96.3 |
| Customer Loan Growth | % | 4.65 | 0.134 | -0.341 |
| Total Asset Growth | % | -2.16 | 1.43 | 0.137 |
| Customer Deposit Growth | % | 2.97 | -4.22 | -6.08 |
| Shareholders' Equity Growth | % | 5.32 | -5.40 | 16.6 |
| Employees | 669 | 657 | 665 | |
Get all company financials in excel:
| summary | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||
| Net Interest Income | EUR mil | 39.9 | 42.3 | 41.3 | 46.3 | 47.3 | ||||||||||||
| Total Revenues | EUR mil | 49.6 | 52.6 | 52.4 | 56.1 | 58.2 | ||||||||||||
| Operating Profit | EUR mil | 13.0 | 9.31 | 9.55 | 13.7 | 17.9 | ||||||||||||
| Net Profit | EUR mil | 1.10 | -2.07 | 1.01 | 0.443 | 2.95 | ||||||||||||
| balance sheet | ||||||||||||||||||
| Interbank Loans | EUR mil | 64.6 | 59.8 | 34.1 | 199 | 127 | ||||||||||||
| Customer Loans | EUR mil | 888 | 917 | 1,056 | 1,094 | 1,145 | ||||||||||||
| Debt Securities | EUR mil | 93.7 | 232 | 254 | 83.7 | 86.8 | ||||||||||||
| Total Assets | EUR mil | 1,122 | 1,271 | 1,421 | 1,467 | 1,435 | ||||||||||||
| Shareholders' Equity | EUR mil | 98.9 | 97.7 | 98.6 | 108 | 114 | ||||||||||||
| Interbank Borrowing | EUR mil | 3.13 | 1.00 | 67.5 | 36.4 | 14.3 | ||||||||||||
| Customer Deposits | EUR mil | 934 | 1,032 | 1,124 | 1,198 | 1,234 | ||||||||||||
| Issued Debt Securities | EUR mil | 165 | 126 | 113 | 106 | 54.9 | ||||||||||||
| ratios | ||||||||||||||||||
| ROE | % | 1.18 | -2.10 | 1.03 | 0.429 | 2.66 | ||||||||||||
| ROA | % | 0.097 | -0.173 | 0.075 | 0.031 | 0.204 | ||||||||||||
| Costs (As % Of Assets) | % | 3.20 | 3.62 | 3.18 | 2.93 | 2.78 | ||||||||||||
| Costs (As % Of Income) | % | 73.8 | 82.3 | 81.8 | 75.5 | 69.2 | ||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | 13.1 | 12.8 | 10.6 | 13.5 | 13.4 | ||||||||
| Net Interest Margin | % | 3.49 | 3.53 | 3.07 | 3.21 | 3.26 | ||||||||||||
| Interest Income (As % Of Revenues) | % | 80.5 | 80.4 | 78.7 | 82.7 | 81.2 | ||||||||||||
| Fee Income (As % Of Revenues) | % | 18.0 | 19.3 | 19.9 | 17.3 | 18.8 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 39.7 | 35.3 | 38.6 | 40.7 | 43.4 | ||||||||||||
| Equity (As % Of Assets) | % | 8.81 | 7.69 | 6.94 | 7.37 | 7.93 | ||||||||||||
| Loans (As % Of Deposits) | % | 95.1 | 88.9 | 93.9 | 91.3 | 92.8 | ||||||||||||
| Loans (As % Assets) | % | 79.1 | 72.2 | 74.3 | 74.6 | 79.8 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | 8.26 | 8.93 | 10.5 | 9.93 | 9.05 | |||||||||||
| Provisions (As % Of NPLs) | % | ... | 61.6 | 63.4 | 51.1 | 48.8 | 49.3 | |||||||||||
| valuation | ||||||||||||||||||
| Book Value Per Share Growth | % | ... | -1.97 | 5.92 | -2.42 | 12.4 | 2.03 |
| income statement | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||
| Interest Income | EUR mil | 60.9 | 66.8 | 62.5 | 64.3 | 61.1 | ||||||||||||
| Interest Cost | EUR mil | 21.0 | 24.5 | 21.3 | 18.0 | 13.8 | ||||||||||||
| Net Interest Income | EUR mil | 39.9 | 42.3 | 41.3 | 46.3 | 47.3 | ||||||||||||
| Net Fee Income | EUR mil | 8.94 | 10.1 | 10.4 | 9.72 | 10.9 | ||||||||||||
| Other Income | EUR mil | 0.708 | 0.182 | 0.694 | 0 | 0 | ||||||||||||
| Total Revenues | EUR mil | 49.6 | 52.6 | 52.4 | 56.1 | 58.2 | ||||||||||||
| Staff Cost | EUR mil | 14.5 | 15.3 | 16.5 | 17.3 | 17.5 | ||||||||||||
| Depreciation | EUR mil | 6.10 | 5.80 | 5.54 | 4.86 | 4.69 | ||||||||||||
| Other Cost | EUR mil | 15.9 | 22.2 | 20.8 | 20.2 | 18.1 | ||||||||||||
| Operating Cost | EUR mil | 36.6 | 43.3 | 42.8 | 42.4 | 40.3 | ||||||||||||
| Operating Profit | EUR mil | 13.0 | 9.31 | 9.55 | 13.7 | 17.9 | ||||||||||||
| Provisions | EUR mil | 11.6 | 11.4 | 8.46 | 14.2 | 14.1 | ||||||||||||
| Extra and Other Cost | EUR mil | 0 | < 0.001 | < 0.001 | < -0.001 | < 0.001 | ||||||||||||
| Pre-Tax Profit | EUR mil | 1.36 | -2.07 | 1.10 | -0.472 | 3.79 | ||||||||||||
| Tax | EUR mil | 0.257 | 0 | 0.085 | -0.029 | 0.831 | ||||||||||||
| Minorities | EUR mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||
| Net Profit | EUR mil | 1.10 | -2.07 | 1.01 | 0.443 | 2.95 | ||||||||||||
| growth rates | ||||||||||||||||||
| Net Interest Income Growth | % | ... | -1.97 | 5.92 | -2.42 | 12.4 | 2.03 | |||||||||||
| Net Fee Income Growth | % | ... | 3.57 | 13.3 | 3.03 | -6.89 | 12.5 | |||||||||||
| Total Revenue Growth | % | ... | -1.45 | 6.11 | -0.386 | 7.03 | 3.85 | |||||||||||
| Operating Cost Growth | % | ... | -2.20 | 18.4 | -1.04 | -1.12 | -4.83 | |||||||||||
| Operating Profit Growth | % | ... | 0.744 | -28.4 | 2.63 | 43.6 | 30.6 | |||||||||||
| Pre-Tax Profit Growth | % | ... | -144 | -252 | -153 | -143 | -902 | |||||||||||
| Net Profit Growth | % | ... | -132 | -287 | -149 | -56.3 | 567 | |||||||||||
| market share | ||||||||||||||||||
| Market Share in Revenues | % | 2.03 | 2.51 | 2.26 | 2.28 | 2.56 | ||||||||||||
| Market Share in Net Profit | % | ... | ... | ... | 0.164 | ... | 0.185 | 0.079 | 0.488 | ... | ... | |||||||
| Market Share in Employees | % | 3.10 | 3.37 | 3.48 | 3.54 | 3.54 | ||||||||||||
| Market Share in Bank Cards | % | ... | 2.60 | 2.77 | 2.48 | ... | ... | ... | ... | |||||||||
| Market Share in Branches | % | 6.67 | 6.60 | 7.18 | 6.46 | 6.34 |
| balance sheet | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||||||
| Cash | EUR mil | 44.4 | 32.2 | 45.6 | 57.3 | 45.0 | ||||||||||||
| Interbank Loans | EUR mil | 64.6 | 59.8 | 34.1 | 199 | 127 | ||||||||||||
| Customer Loans | EUR mil | 888 | 917 | 1,056 | 1,094 | 1,145 | ||||||||||||
| Retail Loans | EUR mil | ... | ... | ... | ... | ... | 440 | 489 | 608 | 647 | 692 | |||||||
| Mortgage Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 83.5 | 58.2 | 41.0 | ||
| Consumer Loans | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 522 | 586 | 625 | ||
| Corporate Loans | EUR mil | ... | ... | ... | ... | ... | 448 | 428 | 448 | 447 | 506 | |||||||
| Debt Securities | EUR mil | 93.7 | 232 | 254 | 83.7 | 86.8 | ||||||||||||
| Fixed Assets | EUR mil | 28.3 | 26.9 | 27.9 | 29.0 | 28.6 | ||||||||||||
| Total Assets | EUR mil | 1,122 | 1,271 | 1,421 | 1,467 | 1,435 | ||||||||||||
| Shareholders' Equity | EUR mil | 98.9 | 97.7 | 98.6 | 108 | 114 | ||||||||||||
| Of Which Minority Interest | EUR mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||
| Liabilities | EUR mil | 1,024 | 1,173 | 1,322 | 1,359 | 1,321 | ||||||||||||
| Interbank Borrowing | EUR mil | 3.13 | 1.00 | 67.5 | 36.4 | 14.3 | ||||||||||||
| Customer Deposits | EUR mil | 934 | 1,032 | 1,124 | 1,198 | 1,234 | ||||||||||||
| Retail Deposits | EUR mil | ... | ... | ... | 606 | 682 | 748 | 816 | 781 | |||||||||
| Corporate Deposits | EUR mil | ... | ... | ... | 207 | 208 | 228 | 235 | 265 | |||||||||
| Sight Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 399 | 439 | 543 | ||
| Term Deposits | EUR mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 665 | 717 | 642 | ||
| Issued Debt Securities | EUR mil | 165 | 126 | 113 | 106 | 54.9 | ||||||||||||
| Other Liabilities | EUR mil | -78.3 | 13.8 | 17.5 | 18.2 | 18.6 | ||||||||||||
| asset quality | ||||||||||||||||||
| Non-Performing Loans | EUR mil | ... | 77.2 | 86.8 | 117 | 114 | 108 | |||||||||||
| Gross Loans | EUR mil | 936 | 972 | 1,116 | 1,150 | 1,198 | ||||||||||||
| Total Provisions | EUR mil | 47.6 | 55.0 | 59.8 | 55.8 | 53.4 | ||||||||||||
| growth rates | ||||||||||||||||||
| Customer Loan Growth | % | ... | -2.00 | 3.30 | 15.1 | 3.57 | 4.65 | |||||||||||
| Retail Loan Growth | % | ... | ... | ... | ... | ... | ... | 13.9 | 11.0 | 24.4 | 6.35 | 6.98 | ||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | -30.3 | -29.4 | ||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 12.2 | 6.60 | ||
| Corporate Loan Growth | % | ... | ... | ... | ... | ... | ... | -13.9 | -4.28 | 4.56 | -0.221 | 13.2 | ||||||
| Total Asset Growth | % | ... | -3.70 | 13.2 | 11.8 | 3.24 | -2.16 | |||||||||||
| Shareholders' Equity Growth | % | ... | 11.7 | -1.24 | 0.926 | 9.62 | 5.32 | |||||||||||
| Customer Deposit Growth | % | ... | 1.30 | 10.5 | 8.95 | 6.54 | 2.97 | |||||||||||
| Retail Deposit Growth | % | ... | ... | ... | ... | 2.66 | 12.6 | 9.69 | 9.10 | -4.35 | ||||||||
| Corporate Deposit Growth | % | ... | ... | ... | ... | -8.92 | 0.827 | 9.65 | 3.06 | 12.8 | ||||||||
| market share | ||||||||||||||||||
| Market Share in Customer Loans | % | 2.44 | 2.47 | 2.69 | 2.62 | 2.52 | ||||||||||||
| Market Share in Corporate Loans | % | ... | ... | ... | ... | ... | 2.88 | 2.86 | 3.07 | 3.11 | 3.23 | |||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 9.93 | 10.3 | 10.1 | ||
| Market Share in Consumer Loans | % | ... | ... | ... | ... | ... | 2.56 | 2.60 | 2.96 | 2.81 | 2.67 | |||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.546 | 0.335 | 0.208 | ||
| Market Share in Total Assets | % | 1.90 | 2.13 | 2.33 | 2.28 | 2.08 | ||||||||||||
| Market Share in Customer Deposits | % | 2.33 | 2.44 | 2.54 | 2.60 | 2.44 | ||||||||||||
| Market Share in Retail Deposits | % | ... | ... | ... | 2.41 | 2.56 | 2.73 | 2.86 | 2.51 | |||||||||
| Market Share in Corporate Deposits | % | ... | ... | ... | 2.23 | 2.18 | 2.11 | 2.19 | 2.25 |
| ratios | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||||
| ROE | % | 1.18 | -2.10 | 1.03 | 0.429 | 2.66 | ||||||||||||
| ROA | % | 0.097 | -0.173 | 0.075 | 0.031 | 0.204 | ||||||||||||
| Costs (As % Of Assets) | % | 3.20 | 3.62 | 3.18 | 2.93 | 2.78 | ||||||||||||
| Costs (As % Of Income) | % | 73.8 | 82.3 | 81.8 | 75.5 | 69.2 | ||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | ... | 13.1 | 12.8 | 10.6 | 13.5 | 13.4 | ||||||||
| Tier 1 Ratio | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 10.8 | 11.3 | 9.90 | 11.3 | 11.2 | ||
| Net Interest Margin | % | 3.49 | 3.53 | 3.07 | 3.21 | 3.26 | ||||||||||||
| Interest Spread | % | ... | 3.33 | 3.35 | 2.94 | 3.11 | 3.18 | |||||||||||
| Asset Yield | % | 5.32 | 5.58 | 4.65 | 4.46 | 4.21 | ||||||||||||
| Cost Of Liabilities | % | ... | 2.00 | 2.23 | 1.70 | 1.34 | 1.03 | |||||||||||
| Interest Income (As % Of Revenues) | % | 80.5 | 80.4 | 78.7 | 82.7 | 81.2 | ||||||||||||
| Fee Income (As % Of Revenues) | % | 18.0 | 19.3 | 19.9 | 17.3 | 18.8 | ||||||||||||
| Other Income (As % Of Revenues) | % | 1.43 | 0.346 | 1.32 | 0 | 0 | ||||||||||||
| Cost Per Employee | USD per month | 2,942 | 2,597 | 2,833 | 2,804 | 2,498 | ||||||||||||
| Cost Per Employee (Local Currency) | EUR per month | 2,116 | 2,023 | 2,134 | 2,176 | 2,179 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 39.7 | 35.3 | 38.6 | 40.7 | 43.4 | ||||||||||||
| Equity (As % Of Assets) | % | 8.81 | 7.69 | 6.94 | 7.37 | 7.93 | ||||||||||||
| Loans (As % Of Deposits) | % | 95.1 | 88.9 | 93.9 | 91.3 | 92.8 | ||||||||||||
| Loans (As % Assets) | % | 79.1 | 72.2 | 74.3 | 74.6 | 79.8 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | 8.26 | 8.93 | 10.5 | 9.93 | 9.05 | |||||||||||
| Provisions (As % Of NPLs) | % | ... | 61.6 | 63.4 | 51.1 | 48.8 | 49.3 | |||||||||||
| Provisions (As % Of Loans) | % | 5.36 | 6.00 | 5.67 | 5.10 | 4.67 | ||||||||||||
| Cost of Provisions (As % Of Loans) | % | 1.30 | 1.26 | 0.857 | 1.32 | 1.26 |
| other data | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||||||||
| Branches | 69.0 | 70.0 | 68.0 | 61.0 | 60.0 | |||||||||||||
| Employees | 572 | 629 | 645 | 661 | 669 | |||||||||||||
| ATMs | ... | 115 | 113 | 123 | 139 | 141 | ||||||||||||
| Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 0.252 | 0.253 | 0.246 | ... | ... | |
| Payment Cards | '000 | ... | 139 | 127 | 119 | ... | ... | ... | ... | |||||||||
| Sight (As % Of Customer Deposits) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 35.4 | 36.6 | 44.0 |
Get all company financials in excel:
By Helgi Library - December 12, 2019
OTP Banka Slovakia's customer loans reached EUR 1,142 mil in 2017, down 0.341% compared to the previous year. Slovak banking sector provided customer loans of EUR 54.8 bil in 2017, up 9.56% when compared to the last year. OTP Banka Slovakia accounted for ...
By Helgi Library - December 12, 2019
OTP Banka Slovakia's mortgage loans reached EUR 23.2 mil in 2017, down 24.5% compared to the previous year. Slovak banking sector provided mortgage loans of EUR 25.4 bil in 2017, up 12.8% when compared to the last year. OTP Banka Slovakia accounted for 0....
By Helgi Library - December 12, 2019
OTP Banka Slovakia's mortgage loans reached EUR 23.2 mil in 2017, down 24.5% compared to the previous year. Slovak banking sector provided mortgage loans of EUR 25.4 bil in 2017, up 12.8% when compared to the last year. OTP Banka Slovakia accounted for 0....
By Helgi Library - July 16, 2018
OTP Banka Slovakia's corporate deposits reached EUR 436 mil in 2017, down 2.24% compared to the previous year. Slovak banking sector accepted corporate deposits of EUR 12.3 bil in 2017, up 9.35% when compared to the last year. OTP Banka Slovakia accounted...
By Helgi Library - July 16, 2018
OTP Banka Slovakia's corporate deposits reached EUR 436 mil in 2017, down 2.24% compared to the previous year. Slovak banking sector accepted corporate deposits of EUR 12.3 bil in 2017, up 9.35% when compared to the last year. OTP Banka Slovakia accounted...
By Helgi Library - May 25, 2018
OTP Banka Slovakia made a net profit of EUR -5.93 mil in 2017, down 96.3% compared to the previous year. This implies a return on equity of -5.09%. Historically, the bank’s net profit reached an all time high of EUR 17.2 mil in 2001 and an all time low of E...
By Helgi Library - May 25, 2018
OTP Banka Slovakia made a net profit of EUR -5.93 mil in 2017, down 96.3% compared to the previous year. This implies a return on equity of -5.09%. Historically, the bank’s net profit reached an all time high of EUR 17.2 mil in 2001 and an all time low of E...
By Helgi Library - May 25, 2018
OTP Banka Slovakia's non-performing loans reached 7.20% of total loans at the end of 2017, down from 11.9% compared to the previous year. Historically, the NPL ratio hit an all time high of 17.3% in 2002 and an all time low of 4.35% in 2008. Provision cover...
By Helgi Library - May 25, 2018
OTP Banka Slovakia's non-performing loans reached 7.20% of total loans at the end of 2017, down from 11.9% compared to the previous year. Historically, the NPL ratio hit an all time high of 17.3% in 2002 and an all time low of 4.35% in 2008. Provision cover...
By Helgi Library - December 12, 2019
OTP Banka Slovakia's customer deposits reached EUR 1,110 mil in 2017, down 6.08% compared to the previous year. Slovak banking sector accepted customer deposits of EUR 55.7 bil in 2017, up 5.33% when compared to the last year. OTP Banka Slovakia accounted...
OTP Banka Slovakia is a Slovakia-based universal bank. With 63 branches and 641 employees, the Bank held over 2% of the Slovakian banking market at the end of 2013. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. As its name suggests, OTP Banka Slovakia is a subsidiary of Hungary's OTP Banking Group. Apart from being a leader on the domestic market, the OTP Group currently operates in 8 countries of the CEE region, namely in Slovakia, Bulgaria, Serbia, Romania, Croatia, Ukraine, Montenegro and Russia. In 2012, OTP Group had more than 36,000 employees and served approximately 13 mil clients through over 1,400 branches.
OTP Banka Slovakia has been growing its revenues and asset by 2.02% and 0.022% a year on average in the last 10 years. Its loans and deposits have grown by 2.35% and 2.15% a year during that time and loans to deposits ratio reached 103% at the end of 2017. The company achieved an average return on equity of -2.16% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 66.3% in 2017, compared to 73.4% average in the last decade.
Equity represented 8.61% of total assets or 11.0% of loans at the end of 2017. OTP Banka Slovakia's non-performing loans were 7.20% of total loans while provisions covered some 97.3% of NPLs at the end of 2017.
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