OTP Bank Nyrt. (OTPGF) Q2 2025 Earnings Call Transcript


OTP Bank Nyrt. (OTPGF) Q2 2025 Earnings Call Transcript

Laszlo Bencsik - Deputy CEO of Strategy and Finance Division and Chief Strategy & Finance Officer

Conference Call Participants

David Taranto - BofA Securities, Research Division

Gabor Bukta - Concorde Securities Ltd., Research Division

Gabor Zoltan Kemeny - Bernstein Autonomous LLP

Jovan Sikimic - ODDO BHF Corporate & Markets, Research Division

Marta Jezewska-Wasilewska - WOOD & Company Financial Services, a.s.

Máté Nemes - UBS Investment Bank, Research Division

Simon Nellis - Citigroup Inc., Research Division

Ladies and gentlemen, welcome to OTP Bank's conference call regarding the financial results for the first half 2025. Please be advised that this event is being recorded. [Operator Instructions]

At this point, I would like to hand over the floor to Mr. Laszlo Bencsik, Chief Financial and Strategic Officer. Laszlo, the stage is yours.

Laszlo Bencsik

Thank you very much. Good morning or good afternoon, depending where you are, and thank you for joining us today to the conference call following the first half results presentation. As usual, you have access to the presentation, what we are going to use today on the website, but we are also showing you while I'm talking. And the setup is the usual, I will attempt to give you a short summary presentation following this deck and then after that, you can ask your questions.

So the key highlights regarding OTP Group have not changed so much and there's nothing substantially new on this slide but on Page 3, you can see the recent results. And there's some noise in the first half results. We already face this problem during the first quarter. I will kind of show you the details. But fundamentally, the situation is that there are certain expenses, namely the extra profit tax in Hungary, the

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