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
OTPCET1 Ratio
Common Equity Tier 1 / RWA
Risk-Weighted Assets
+2.30% QoQ growth
Total Loan Book
+7.7% YoY growth
Leverage Ratio
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
Metric History
12 quarters · FDIC Call Report data
| Quarter | CET1 % | Leverage % | RWA | Loan Book | Loans YoY | RWA QoQ | CRE % | Consumer % | SME % | SRT Score |
|---|---|---|---|---|---|---|---|---|---|---|
| 2025-Q4latest | 16.10% | 9.10% | $48.7B | $79.5B | +7.7% | +2.30% | 24.0% | 30.0% | 34.0% | 61 |
| 2025-Q3 | 15.80% | 8.90% | $47.6B | $78.0B | +5.7% | +2.40% | 24.0% | 30.0% | 34.0% | 37 |
| 2025-Q2 | 17.98% | 8.70% | $68.3B | $76.5B | +3.7% | +2.20% | 24.0% | 29.0% | 34.0% | 34 |
| 2025-Q1 | 15.20% | 8.50% | $45.5B | $75.1B | +1.8% | +2.20% | 24.0% | 29.0% | 34.0% | 34 |
| 2024-Q4 | 14.80% | 8.20% | $44.5B | $73.8B | +10.8% | +2.30% | 24.0% | 29.0% | 34.0% | 35 |
| 2024-Q3 | 14.90% | 8.30% | $43.5B | $71.9B | +10.6% | +2.40% | 24.0% | 29.0% | 34.0% | 35 |
| 2024-Q2 | 15.00% | 8.40% | $42.5B | $70.1B | +10.4% | +2.40% | 24.0% | 29.0% | 33.0% | 35 |
| 2024-Q1 | 15.10% | 8.50% | $41.5B | $68.3B | +10.0% | +2.50% | 24.0% | 29.0% | 33.0% | 32 |
| 2023-Q4 | 15.20% | 8.60% | $40.5B | $66.6B | +13.8% | +2.00% | 24.0% | 28.0% | 33.0% | 35 |
| 2023-Q3 | 15.40% | 8.80% | $39.7B | $65.0B | +13.5% | +1.80% | 24.0% | 28.0% | 33.0% | 35 |
| 2023-Q2 | 15.60% | 9.00% | $39.0B | $63.5B | +13.2% | +1.60% | 24.0% | 28.0% | 32.0% | 35 |
| 2023-Q1 | 15.80% | 9.20% | $38.4B | $62.1B | +12.8% | +1.40% | 24.0% | 28.0% | 32.0% | 35 |
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Score Breakdown
Live score · base 59 pts +2 macro adj
CET1 16.10% — well above management threshold
-4.10pp headroom above 8% regulatory floor
Leverage ratio 9.10% — adequate headroom
Loan book grew 7.7% YoY
RWA grew 2.3% QoQ
CRE: 24%, Lev.Loans: 0%, max(Consumer/SME): 34%
Bank has previously issued SRT transactions
14 months since last SRT deal — likely planning next transaction
Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts
$50B–$500B total assets — sweet spot: capital pressure + sourcing alpha
Sentiment +6/20 · global +2 pts