OTP Bank Group

HistoryOTP Bank Group is one of the largest independent financial services providers in Central and Eastern Europe with full range of banking services for private individuals and corporate clients. OTP Group comprise large subsidiaries, granting services in the field of insurance, real estate, factoring, leasing and asset management, investment and pension funds. The bank is serving clients in 9 countries, namely Hungary, Slovakia, Bulgaria, Serbia, Romania, Croatia, Ukraine, Montenegro and Russia. All of the banks' markets carries a high potential for growth in the future.

Nowadays OTP Groups' more than 36,000 employees are serving 13 million clients in over 1,500 branches and through electronic channels on all the markets of the bank.[OTP is still the largest commercial bank in Hungary with over 25% market share.

OTP Group has started its’ activity in 1949 when OTP Bank was founded as a state savings and commercial bank. OTP stands for Országos Takarék Pénztár (National Savings Bank) which indicates the origin purpose of establishment of the bank. The bank went public in 1995, and the share of the state in the bank capital decreased to one preferential gold share, which also eliminated shortly thereafter. Currently most of the banks' shares are owned by private and institutional investors, which ensures stable ownership structure of the company. OTP has a high free float shareholder structure, the free float ratio reaches the 68,61%. The rest is held by one of the Forbes billionaire Megdet Rahimkulov in 8,88%, Hungarian MOL Group in 8,57%, French Groupama in 8,30% and American Lazard in 5,64%.

Type Public Limited CompanyIndustry Banking, Financial servicesFounded 1949Headquarters Budapest, HungaryArea served Central and Eastern Europe

Key people

Sándor Csányi(Chairman & CEO)Antal Pongracz(Vice-chairman)

Products

Consumer banking, corporate banking, credit cards, finance and insurance, foreign currency exchange, investment banking, mortgage loans, private banking, private equity, wealth management

Revenue HUF 645.465 billion (2012)[1]Operating income HUF 145.674 billion (2012)[1]

Net income HUF 122.586 billion (2012)[1]Total assets HUF 10133.4 billion (2012)[1]Total equity HUF 1514.55 billion (2012)[1]Employees 36,366 (2012)[1]Subsidiaries OTP Fund Management, OTP

Pension Fund, OTP Real Estate, Merkantil Bank, DSK Bank

Website otpbank.com

OTP Bank Romania is part of OTP Group, one of the leading financial groups in Central and Eastern Europe, with operations in countries like Hungary, Montenegro, Croatia, Bulgaria, Russia, Ukraine, Slovakia, Serbia and Romania.

Present on the Romanian banking market since 2004, OTP Bank Romania set to become a strong universal bank, offering complete services to retail and corporate customers.

In all its actions undertaken throughout the past eight years on the local market, OTP Bank Romania managed to pave its way towards achieving this target, by innovation and competence, offering banking services to retail and corporate customers alike.

OTP Bank Romania is a universal bank with its own financing sources, providing integrated financial services to companies and retail customers.

OTP Bank Romania offers alternative channels and service packages associated to the products, a field where OTP Bank is the undisputed leader in Hungary, with a market share of 50% for Call Center services, 70% for Internet Banking and 70% for Mobile Banking. Since its entry in Romania, OTP Bank carefully analyzed the local market and permanently identified new investment and development opportunities, thus gaining its right to be considered as an innovative bank.

Part of an innovative group, OTP Bank launched, in premiere on the Romanian market: a card with a unique design - VISA Clasic Transparent, the first card on the market to be co-branded with a filling stations network (OTP – MOL). Also, in cooperation with OTP Asset Management, it launched innovative savings packages, OTP Premium Duo and OTP Premium Wise.

As a customer of OTP Bank, you will benefit from reliable services and counseling from the bank’s staff, always ready to help you choose the offer that best meets your expectations.

Meaning of the OTP Bank LogoThe emblem

The circle, an ultimate shape, the ancient symbol of the coin expresses excellence, stability and completeness.

It communicates power. The central disk surrounded by the arc represents the knowledge and resources entrusted to us, their growth insured by the protective ring around. The ring is open 90 degrees in the top right quarter, which symbolizes the perspective on evolution. The small disk in the arc symbolizes the new assets, value and growth produced by OTP Bank’s expertise and work. It is the symbol of progress, development and advantage our bank can offer and, at the same time, expresses that OTP Bank is a committed partner in successfully assisting our customers in reaching their goals.

The color

Green color is a source of positive feelings in every culture: the color of expertise, freshness and revival. With the use of the two green colors, we place emphasis on the mutual trust between OTP Bank and its partners.

The letters

The finely curved, modern, clean font reinforces the association created by the emblem,. Italics symbolize dynamism. The lower case letters reflect the direct, personal relationship between clients and the Bank.

In all, the logo of OTP Bank is the symbol of a reliable, careful, but also innovative corporation: the symbol of trust.

Vision:

To become a strong, stable and profitable universal medium sized financial service provider, through efficient corporate governance, dynamic growth, and a strong social responsibility commitment. We build our success based on the expertise of our professional staff, our knowledge of local and regional markets and development of exceptional customer relations.

Mission:

Our mission is to serve our corporate and retail clients with a complete range of high quality financial services. We operate in a transparent and prudent manner and proactively foster innovation. Continuous shareholder value appreciation and growth of profitability are the measures of our success. Our competitive advantage rests on our local and regional understanding of our clients’ needs, the quality and efficiency of our diverse services and on the trust of our customers. We rely on the talent, trust and commitment of our staff, whose success we recognize and motivate through permanent development programmes.

Values:

Trust Dynamic Innovative Stable Client centered Flexible Professionalism - we take responsibility for the quality of our work Transparent Integrity

Otp Romania:

Shareholders: PercentOTP Bank Nyrt. 99,99986902%Merkantil Bank Zrt. 0,00013098%

Banking products/servicesSaving and investment solutions

Depending on your financial needs and plans, your personal advisor will help you in selecting the most appropriate

saving and investment solutions. We shall help you in building a customized portfolio, suited to your safety and efficiency

needs. From extra safe savings to complex portfolios built by our investment professionals, we offer comprehensive

services that cater for the particular financial needs of a wealthy client.

Financing solutions

OTP Bank offers various financing facilities in terms of priority in loan file analysis. Your personal adviser will offer you

support in choosing the best financing solutions according to your needs as well as in preparing the necessary

documentation. We offer a wide range of loan products, from overdraft and credit cards, to loans with or without

mortgage.

OTPdirekt - Internet Banking and SMS Alerts

Through OTPdirekt you will be able to make transactions by internet or telephone anytime, anywhere, under maximum

security.

With OTPdirekt - Internet Banking and SMS Alerts, you will always have access to your account and can find out in real

time all information you need about your finances. As a Private Banking client, your OTPdirekt – Contact Center phone

calls will be taken over with priority.

Corporate social responsibilityOTP Group help:

disadvantaged social groups; community initiatives that contribute to deepening human relationships, as

well as events that generate value for the entire society; and support recognised sports events

They aim to provide real and effective assistance, therefore: they strive to take part in complex collaborations, they endeavour to involve

communities and staff; they are open to new forms of support; they seek long-term cooperation; they concentrate our resources of support; they follow up the usage and the results of our support.

Members of OTP Group implement their support activities independently of one another, meeting the local needs through donations and sponsorship.

Example:Right to Read In 2010, they launched the national campaign of social responsibility, "Right to Read." The main objective is the overall school provision in disadvantaged rural areas, with more than

10,000 books. But beyond that, they want these children to instil in them a right which tought to be natural: to have access to reading.