SI
Bank Universe

Data source: Metrics for European banks are sourced from 2025 annual reports and ECB/EBA Pillar 3 disclosures. Figures are updated semi-annually as regulatory filings are published — not via real-time API like US banks (FDIC).

OTP Bank

OTP
Hungary · EuropeRegulated by MNBLatest: 2025-Q4
61MED

CET1 Ratio

16.10%

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$48.7B

+2.30% QoQ growth

Total Loan Book

$79.5B

+7.7% YoY growth

Leverage Ratio

9.10%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q4

Comm. Real Estate24.0%
Consumer30.0%
SME / C&I34.0%
Other12.0%

Metric History

12 quarters · FDIC Call Report data

QuarterCET1 %Leverage %RWALoan BookLoans YoYRWA QoQCRE %Consumer %SME %SRT Score
2025-Q4latest16.10%9.10%$48.7B$79.5B+7.7%+2.30%24.0%30.0%34.0%61
2025-Q315.80%8.90%$47.6B$78.0B+5.7%+2.40%24.0%30.0%34.0%37
2025-Q217.98%8.70%$68.3B$76.5B+3.7%+2.20%24.0%29.0%34.0%34
2025-Q115.20%8.50%$45.5B$75.1B+1.8%+2.20%24.0%29.0%34.0%34
2024-Q414.80%8.20%$44.5B$73.8B+10.8%+2.30%24.0%29.0%34.0%35
2024-Q314.90%8.30%$43.5B$71.9B+10.6%+2.40%24.0%29.0%34.0%35
2024-Q215.00%8.40%$42.5B$70.1B+10.4%+2.40%24.0%29.0%33.0%35
2024-Q115.10%8.50%$41.5B$68.3B+10.0%+2.50%24.0%29.0%33.0%32
2023-Q415.20%8.60%$40.5B$66.6B+13.8%+2.00%24.0%28.0%33.0%35
2023-Q315.40%8.80%$39.7B$65.0B+13.5%+1.80%24.0%28.0%33.0%35
2023-Q215.60%9.00%$39.0B$63.5B+13.2%+1.60%24.0%28.0%32.0%35
2023-Q115.80%9.20%$38.4B$62.1B+12.8%+1.40%24.0%28.0%32.0%35

AI Investment Memo

Llama will analyze OTP Bank across 4 data dimensions and write a structured memo

Score: 61/100·Model: llama-3.3-70b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

61/100 —MEDIUM

Live score · base 59 pts +2 macro adj

Capital Pressure0/40

CET1 16.10% — well above management threshold

+0

-4.10pp headroom above 8% regulatory floor

+0

Leverage ratio 9.10% — adequate headroom

+0
Loan Book Growth9/30

Loan book grew 7.7% YoY

+3

RWA grew 2.3% QoQ

+4

CRE: 24%, Lev.Loans: 0%, max(Consumer/SME): 34%

+2
Historical SRT25/25

Bank has previously issued SRT transactions

+15

14 months since last SRT deal — likely planning next transaction

+10
Macro Context7/10

Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts

+7
Mid-Size Bank

$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha

+10
Europe regional bonus+8
Macro environment · FAVORABLE+2

Sentiment +6/20 · global +2 pts

Overall SRT likelihood61/100