Dominant retail market position in Hungary with solid domestic retail deposit base. Strong pre-provisioning earnings, which serve as a buffer against elevated impairment costs and special banking taxes. Well-diversified earnings stream by product and geography. High systemic importance in Hungary, and demonstrated liquidity support from the Hungarian central bank. High credit risk both home and abroad and significant domestic foreign currency lending. High industry risks in Hungary owing to legal and regulatory uncertainties. Ongoing and potential new pressure on economic and industry conditions in the eurozone and the riskier Central and Eastern Europe (CEE) markets in which OTP Bank operates. The stable outlook on OTP Bank and OTP Mortgage Bank reflects Standard&Poor's Ratings Services' outlook on Hungary, as
