OTP Bank

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OTP Bank官方网站网址:http://www.otpbank.hu/

OTP银行是目前匈牙利最大的金融机构，其稳定及资金状况是不容质疑的。根据去年的IFRS国际金融报告数字显示，OTP银行纳税1582亿幅林。2005年处理民用贷款业务占拥有30多个金融机构的匈牙利金融市场的38%，存款业务的市场份额为35%。OTP银行管理层表示，该行还将继续致力于发展贷款业务、保持匈牙利领先地位、并加强地区地位。

OTP was created in 1949 when two other major state-owned banks were established. It was created by a state-induced merger of Pesti Hazai Első Takarékpénztár (First Pest Savings Bank), Leszámítoló Bank (The Clearing Bank) and several small-size banks from the rural parts of the country. Its control was given to the Ministry of Finances. Its duty was to handle the accounts of domestic clients and local councils. The other two banks were Külkereskedelmi Bank (Foreign Trade Bank) and Beruházási Bank (Investment Bank). State ownership lasted from 1949 to 1991, when all three major banks were privatised, thus establishing OTP Bank, MKB Bank and K&H Bank.

During the last decade, OTP Bank, under its ambitious CEO Sándor Csányi, has become a major player in the Central European market: it has made acquisitions in Slovakia (OTP Banka Slovensko, a.s.), Bulgaria (DSK Bank), Romania (RoBank, renamed to OTP Romania SA), Croatia (Nova Banka, renamed to OTP Banka d.d.), Serbia (Niška banka, Kulska banka, and Zepter banka), Montenegro (Crnogorska komercijalna banka) and Ukraine (former Raiffeisen Bank Ukraine). As of June, 2006 it is also negotiating the possibility of buying several other medium-sized or small banks in Russia, Serbia and Croatia.

OTP Bank remains by far the largest bank in Hungary. Its position as such was challenged only once, though unsuccessfully by Erste Bank, who bought out the financially challenged Postabank (Postbank), thus trying to create the largest financial entity in Hungary. OTP Bank went through a face-lift on January 12, 2007, by replacing its old green square logo. It adopted a new logo, and a new slogan too: Megbízunk egymásban (Trusting each other). It hopes to re-gain the trust of its clients, who left the bank in recent years to its rivals. The new image appeals to younger customers.

In the next five year the bank plans to:

• Achieve leading postition in the Bulgarian market
• Every year have a return of average equity higher than 25%
• Decrease the ratio of income/expenses to 50-53%

The Bank hosts an international organisation called the OTP group. The several parts of the group work in different areas of business.

• OTP Bank Rt.- Universal Bank
• Merkantil Bank Ltd.- Personal Loans
• Merkantil Car Ltd.- Auto Leasing
• Merkantil Lease Ltd.- Leasing
• OTP Building Society Ltd.- Savings Bank
• OTP Mortgage Bank Ltd.- Mortgage Bank
• DSK BANK EAD- Universal Bank
• OTP Banka Slovensko, a.s.- Universal Bank
• OTP Bank Romania SA- Commercial Bank
• OTP banka Hrvatska- Commercial Bank
• OTP Garancia Insurance Ltd.- Insurance Company
• OTP Fund Management Ltd.- Investment Fund
• OTP Real Estate Fund Management Ltd.- Investment Fund
• Hungarian International Finance Ltd.- International Financing
• OTP Real Estate Ltd.- Construction and sale of properties
• OTP-SCD Lízing Rt. -
• OTP Factoring Ltd.- Factoring, forfeiting
• OTP Factoring Trustee Ltd.- Evaluation and sale of properties
• OTP Pension Fund Ltd.- Pension Fund
• OTP Health Fund- Health Fund
• OTP Travel Ltd.- Travel Agency
• OTP Életjáradék Rt. -