OTP Bank Plc. provides commercial banking services through its subsidiaries in Hungary, Bulgaria, Russia, Ukraine, Croatia, Romania, Slovakia, Serbia, and Montenegro. Its retail banking services include current and foreign currency accounts, bankcards, securities and investment accounts, retirement savings, wealth planning, and telephone, mobile, and internet banking. Corporate banking covers account services, cash management, business cards, financing such as loans, guarantees, factoring, leasing, and project finance, as well as investments, treasury, and e-services. The company also offers private banking, mortgage lending, finance leasing, refinancing, house savings and loan, work-out, and life annuity services, and develops, leases, and manages real estate. It serves customers through a network of 1,488 branches, was founded in 1949, and is based in Budapest, Hungary.