Data source: 2025-Q2 figures ingested from the EBA Transparency Exercise. European figures update as filings are published — semi-annually for EBA, per-results for 6-K — not via a real-time API like US banks (FDIC).

OTP Bank

OTP

Hungary · EuropeRegulated by MNBLatest: 2025-Q2

90HIGH

CET1 Ratio

17.98%+2.18pp QoQ

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$68.3B

+2.20% QoQ growth

Total Loan Book

$76.5B

+3.7% YoY growth

Leverage Ratio

8.70%

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-Q2

Comm. Real Estate24.0%

Consumer29.0%

SME / C&I34.0%

Other13.0%

Metric History

1 quarters · EBA Transparency Exercise

Quarter	CET1 %	Leverage %	RWA	Loan Book	Loans YoY	RWA QoQ	CRE %	Consumer %	SME %	SRT Score
2025-Q2latest	17.98%	8.70%	$68.3B	$76.5B	+3.7%	+2.20%	24.0%	29.0%	34.0%	90

AI Investment Memo

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

Score: 90/100·Model: gpt-oss-120b·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

90/100 —HIGH

Repeat issuer · scored on re-issuance timing

Re-issuance timing90

Last deal

17 mo ago

Typical cadence

12 mo

Through its re-issue cycle100% · overdue

Active SRT programme → scored on how overdue it is vs its own cadence. Validated to predict re-issuance better than fundamentals, which are shown below for context only.

Fundamentals — context only

Capital Pressure0/40

CET1 17.98% — well above management threshold

-5.98pp headroom above 8% regulatory floor

CET1 stable or improving (15.80% → 17.98%)

Leverage ratio 8.70% — adequate headroom

Loan Book Growth6/30

Loan book grew 3.7% YoY

RWA grew 2.2% QoQ

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

Historical SRT25/25

Bank has previously issued SRT transactions

+15

17 months since last SRT deal — likely planning next transaction

+10

Macro Context7/10

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

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 likelihood90/100