OTP Group Maintains Top-Tier Resilience in EBA’s 2025 Stress Test

OTP Group Maintains Top-Tier Resilience in EBA’s 2025 Stress Test

OTP Group has once again demonstrated its outstanding financial resilience in European Banking Authority’s (EBA) 2025 stress test. Among 64 participating European banks - representing approximately 75% of the EU’s banking sector by total assets - OTP ranked in the top third. The results confirm that even under a severe hypothetical economic downturn, OTP would maintain capital levels above the regulatory minimum throughout the three-year stress horizon.

1 August 2025, Budapest, Hungary – OTP Group was subject to the 2025 EU-wide stress test conducted by the European Banking Authority (EBA), in cooperation with the National Bank of Hungary, the European Central Bank (ECB), and the European Systemic Risk Board (ESRB).

This strong performance builds on OTP Group’s 2023 achievement, when it was ranked among the five most stress-resilient banks in Europe. Back then, the Group placed 4th in terms of CET1 ratio decline under stress and scored in the top 25% across all indicators tested.

In the 2025 test, OTP’s Common Equity Tier 1 (CET1) ratio declined only moderately from 17.49% in 2022 to 16.26% under the adverse scenario, further confirming its robust capital position. The stress test, which covers 75% of the EU banking sector, is designed to assess banks’ resilience to macroeconomic shocks and serves as input for the Supervisory Review and Evaluation Process (SREP).

OTP Group operates in ten Central and Eastern European countries and Uzbekistan, and its consistent performance across consecutive stress tests underscores its stability and strategic strength in the region.

For more information please visit: EBA’s release, Hungarian National Bank’s release, Extraordinary Announcement of OTP Bank.