OTP Bank Nyrt

XMUN:OTP

Retail banking

This part of OTP Bank serves individual customers with everyday banking products such as current accounts, savings accounts, cards, consumer loans, mortgages, and online banking.

Customers

Households and personal banking customers across OTP Bank’s countries of operation.

Revenue Model

It earns money from interest on loans, fees for account and card services, and charges for payment and banking transactions.

Corporate and SME banking

This part provides banking services to small businesses, mid-sized companies, and larger corporate clients, including business accounts, loans, cash management, trade finance, and payment services.

Customers

Small and medium-sized businesses, larger companies, and public-sector clients that need financing and transaction services.

Revenue Model

It makes money from lending interest, service fees, payment handling charges, and other business banking fees.

Leasing and consumer finance

This part offers financing linked to vehicles, equipment, and other consumer or merchant purchases, often through OTP’s specialized finance and leasing subsidiaries.

Customers

Individuals, dealerships, merchants, and businesses that want financed purchases rather than upfront payment.

Revenue Model

It earns interest income on financed amounts, lease payments, and origination and servicing fees.

Asset and fund management

This part manages savings and investment products for clients, including mutual funds and other investment accounts.

Customers

Retail investors, private clients, and institutions looking for managed investment products.

Revenue Model

It earns management fees, distribution fees, and performance-related fees on the assets it manages.