Community involvement

OTP Group considers it important to contribute to the development of the community and the protection of the environment in accordance with its economic strength. Our activities are value-driven, and through them we seek to engage and mobilise our stakeholders. We practice active community and social engagement and serve as an example in the following key areas: financial education, attitude-shaping, value creation, value preservation, equal opportunities, community building and environmental protection.

The members of OTP Group carry out their activities independently of one another, in line with local needs.

Developing financial literacy

For several years, OTP Group has made it a priority to contribute to the improvement of the financial literacy of the population, in addition to providing correct information to customers and the calculators and guides available on our website.

Community involvement and charity

OTP Group considers it important to contribute to the development of the community in line with its economic strength, thus, in addition to financial support, we are launching an increasing number of projects that are implemented and developed upon our initiative, with the involvement of civil or professional partners and as a result of dialogue with stakeholders.

We feel obliged to help social groups which have to overcome drawbacks to achieve their goals, or which are still at the very beginning of that road. We primarily support initiatives that aim to help disadvantaged and sick children to heal, to accept people with disabilities and to educate young people.

We attach equal importance to preserving tradition and embracing contemporary initiatives that look to the future. We are particularly keen on supporting events, community initiatives and cultural programmes that contribute to deepening human relations, provide a meeting point and are important on account of their community-building potential — be it a popular music festival, a gastronomic event or an art exhibition.

The development of OTP Group is characterised by dynamism, which is also an essential value for success in the world of sport. We support numerous successful sport clubs, public sporting events, and popular sports that require physical and mental strength and stamina, a high level of concentration and well-organised teamwork.

The members of OTP Group carry out their support activities independently of each other, in line with local needs, in the form of donations and sponsorships. Our subsidiaries provide more information about such support on their respective websites.

Microdonation

OTP Bank's micro-donation programme allows customers to support those in need with small amounts while managing their everyday finances, mainly through ATMs and mobile banking.

Since its launch in 2021, the programme has raised more than HUF 1.1 billion, which has already supported 34 initiatives. Fundraising has been used to support civic initiatives such as helping sick children and their families, supporting children's rights training, training guide dogs, supporting disabled athletes, upgrading institutions for women and families in crisis, purchasing an ambulance, a screening bus, a truck for rescuing ready meals or supporting a cultural event.

More information on the projects carried out can be found here.

Volunteering

Helping those in need is a priority for the OTP Group, so we are taking the opportunity to help local communities through volunteering.

At group level, more than 3400 of our colleagues volunteered in 2024.
Within the framework of the OTP Bank's volunteering programme, the OTP Local Value Programme, 64 volunteering projects were implemented in 2024 on the initiative of 875 employees.

Volunteers organise programmes that enable them to provide real help to the organisation or institution of their choice. Some of the most common volunteer activities include cooking and distributing food to the homeless, planting trees, building composting bins, renovation work, for example kitchen renovation in hospitals, nurseries and old people's homes.

Many programmes target the help of children, especially the ones in need and the mentally handicapped. For them, activities are often organised, such as handicrafts, bird feeders, financial or environmental education programmes. Colleagues often use their expertise to help, for example teaching financial planning to young mothers in need.
Charity and item donation are also common practices among colleagues, who, in addition to helping out, also collect clothes, books and kitchen utensils for members of their chosen community.

Blood donation

Blood donation is a fundamental pillar of healthcare, saving lives worldwide. At OTP Group, organizing blood donation events in our office buildings has become a tradition in several countries, allowing us to come together for a meaningful cause.

For OTP Group, corporate social responsibility is not just a phrase—it is a way of life. We believe that the strength of a community lies in unity, and blood donation is a true testament to that belief. Every year, our colleagues actively participate in this noble cause, knowing that a single blood donation can save up to three lives.

Blood donation is not only about saving lives but also about fostering a sense of community, bringing colleagues closer together—whether in Hungary, Croatia, or Ukraine.

For OTP Bank Croatia, blood donation is not just an occasional event but an important community initiative organized by its volunteer club. Employees participate in blood donation campaigns three times a year in various cities—Zagreb, Zadar, Split, and Dubrovnik—strengthening the spirit of solidarity and support.

OTP Bank Hungary, in collaboration with the Hungarian Red Cross, organizes blood donation events throughout the year at its office buildings and corporate events.

For the past 10 years, CKB has traditionally organized voluntary blood donations by its employees during the last week of September. In 2025, CKB has partnered with the Red Cross and will join their donation initiatives throughout the year.

OTP Bank Ukraine has its own blood donation tradition and has been organizing corporate donor days since 2021, hosting blood donation events for employees twice a year. These events are becoming increasingly popular, with more and more employees—both returning and first-time donors—joining each year.

Environmental protection

OTP Group also declares its responsibility towards the environment in its ESG strategy.

OTP Bank’s environmental activities are regulated by the Environmental Regulation. Supervision of environmental protection is exercised by the Managing Director of the Real-estate Investment and Supply Chain Directorate. The Policy has been approved by the Chairman and CEO of OTP Bank. The Policy ensures legal compliance and the consideration and integration of environmental criteria into the Bank’s business operations in order to minimise the negative environmental impacts of operating and maintaining the Bank’s organisation. It also sets out the rules on implementing the principles of environmentally-conscious purchasing.

Carbon neutrality

In 2024, within the corporate group, OTP Bank purchased carbon credits amounting to 7,000 tCO2e. This amount covers OTP Bank's total Scope 1-2 emissions. The carbon credits retired during the reporting period were verified according to the Verified Carbon Standard by Verra. The Bank considers it essential that the project supported through the offsetting is implemented in the country where the Banking Group operates. Therefore, the only project supported by the purchase is the Sant Nikola Wind Farm near Kavarna, Bulgaria, which is the largest wind farm in the country. The project is a reduction project and does not qualify as a corresponding adjustment under Article 6 of the Paris Agreement.

OTP Bank's goal of carbon-neutral operations includes the use of carbon credits as well. The use of carbon credits does not hinder the achievement of the net-zero target for Scope 1-2 by 2030, considering that OTP Bank has begun developing emission reduction plans based on energy efficiency and renewable energy use. Additionally, as compensation for the Bank's operational carbon footprint, we plan to replace the carbon credits purchased based on our current practice with so-called ‘ecosystem restoration certificates’.

In collaboration with Pilisi Parkerdő Zrt. as a partner, we aim to develop a 400-hectare nature conservation area, the so-called Budakeszi Vadaskert, with a complex urban forest approach. This development somewhat places the economic aspects of the classic triad of forest functions – economic, conservation, and public welfare – into the background in order to preserve and enhance the natural and ecological values of forests and promote ecotourism development that aligns with the natural values of forest areas. The Bank has multiple goals in regard to this project: it offers a platform for professional collaborations and scientific work in biodiversity, climate adaptation, carbon sequestration and ecosystem services. On the other hand, it is suitable for promoting sustainability awareness among our employees by focusing on the non-financial aspects of forest area usage; furthermore, the project can also shape the Bank's image.

Our operational environmental impacts and activities cover the following areas

During new investments and renovations, OTP Bank uses the best technology currently available and modern engineering solutions.

We are increasing the use of renewable energy sources, taking economic considerations into account. For all OTP Bank branch renovations, we explore the possibility of installing solar panels and heat pumps.

Our carbon emissions are determined by energy consumption and we report the results annually.

In the course of car procurement, we opt for models with lower fuel consumption and apply maximum carbon emission limits. OTP Bank has both electric and hybrid cars in its fleet, and several of our subsidiary banks already have electric cars in their fleet. Bicycle storage facilities are located at one or more headquarters and branches of OTP Bank and all its subsidiaries.

Reducing paper consumption and increasing the use of recycled paper has been a continuous effort of OTP Group for several years.

Digitalisation plays an important role in reducing paper consumption in internal processes and in information provision to customers. Electronic account statements have been available for several years at all members of OTP Group, where the legal framework allows. The digital signature pad, electronic bank statements and electronic information management can save more than ten million pages of paper a year.

We follow a principle of using all our equipment, devices and machines for the longest time reasonably possible. Furniture is reused several times and we ensure the compatibility of replacements.

OTP Bank applies the priority order “waste prevention/reuse/recycling/disposal”. An integral part of this is separate waste collection and reducing paper use. In addition to reducing our waste output, we are expanding selective waste collection opportunities.

In addition to the parent bank, it is also common practice within the Group to donate no longer used but still functional furniture and IT equipment to institutions in need or to charitable organisations.