TranscriptsHungaryMar. 06, 2026 7:15 PM ETOTP Bank Nyrt. (OTPBF) Stock, OTPGF StockSA Transcripts158.87K FollowersCommentsOTP Bank Nyrt. (OTPBF) Q4 2025 Earnings Call March 6, 2026 9:00 AM ESTCompany ParticipantsPéter Csányi - CEO & DirectorLaszlo Bencsik - Deputy CEO of Strategy & Finance Division and Chief Strategy & Finance OfficerConference Call ParticipantsMate Nemes - UBS Investment Bank, Research DivisionGabor Kemeny - Bernstein Autonomous LLPMehmet Sevim - JPMorgan Chase & Co, Research DivisionSimon Nellis - Citigroup Inc., Research DivisionPresentationOperatorLadies and gentlemen, welcome to OTT Bank's Full Year 2025 Results Conference Call. Please be advised that this event is being recorded. [Operator Instructions] We are pleased to have 2 members of our senior management with us today: Peter Csanyi, Chief Executive Officer; and Laszlo Bencsik, Chief Financial and Strategic Officer. At this point, it's my pleasure to hand over the floor to Peter Csanyi, Chief Executive Officer. Peter, please go ahead.Péter CsányiCEO & DirectorThank you very much. Good afternoon to all of you or good morning, depending on which continent you are located on. It's very nice to have you here for the 2025 result announcement. As per the usual format, we will give a short presentation on the results, and then we'll have the Q&A session following thereafter. So kicking off on this page, you can see that we have continued our successful journey last year in 2025. In terms of loan book growth, we have achieved a solid strong performing 15% organic growth rate, coupled with 22% return on equity, which is very good, especially given the high leverage ratio, 11% leverage ratio according to Basel IV, which is basically Tier 1 capital over total exposure, which is about 1.5, 2x higher than most of our peers. So we can say that our return on equity has been especially strong. Combined with stable portfolio quality, our Stage 3 ratio has been declining slightly from 3.6% to 3.5%. And as usual, a very strong capital position with common equity TierRead more current OTPBF analysis and newsView all earnings call transcriptsComments