COVID-19 pandemija imala je značajan utjecaj na bankarski sektor u Hrvatskoj, uključujući i OTP banku, jednu od vodećih banaka na tržištu. U ovom radu istražuje se specifični utjecaj pandemije na kvalitetu portfelja hrvatskog bankovnog sustava s primjerom analize portfelja OTP banke, uz naglasak na ključne smjernice i reakcije banke na izazove pandemije. Pandemija je prouzrokovala ekonomske neizvjesnosti, gubitak radnih mjesta i smanjenje prihoda klijenata. To je rezultiralo povećanim rizikom od nenaplativih kredita u portfelju hrvatskih banaka, posebno u sektorima koji su najviše pogođeni, poput turizma i maloprodaje. OTP banka brzo je reagirala na pandemiju i ponudila klijentima opcije moratorija na otplatu kredita kako bi im olakšala financijske terete tijekom krize. Ovo je privremeno smanjilo pritisak na klijente i banku, ali istovremeno odgodilo procjenu stvarnih rizika u portfelju. Hrvatske banke, uključujući i OTP banku, pojačale su rezervacije za moguće buduće gubitke od nenaplativih kredita kako bi se bolje pripremila za izazove. Također su provodile stres testiranja kako bi procijenile kako bi se različiti scenariji mogli odraziti na njihov portfelj. Pandemija je potaknula veću potrebu za digitalnim bankarstvom i online uslugama. OTP banka je uložila napore u daljnju digitalizaciju poslovanja kako bi osigurala kontinuitet i bolju uslugu klijentima tijekom pandemije i nakon nje. Nadalje, OTP banka surađivala je s regulatornim tijelima i pratila smjernice Hrvatske narodne banke kako bi osigurala stabilnost i usklađenost s propisima tijekom krize. The COVID-19 pandemic had a significant impact on the Croatian banking sector, including OTP banka, one of the leading banks on the market. This work investigates the specific impact of the pandemic on the portfolio quality of the Croatian banking system with the example of OTP banka's portfolio analysis, emphasising the Bank's key guidelines and reactions to the challenges of the pandemic. The pandemic has caused economic uncertainty, job losses and reduced client incomes. This resulted in an increased risk of non-performing loans in the portfolio of Croatian banks, especially in the most affected sectors, such as tourism and retail. OTP banka reacted quickly to the pandemic and clients were offered loan repayment moratorium options to minimize their financial burdens during the crisis. This temporarily reduced the pressure on clients and the Bank, but at the same time delayed the assessment of the real risks in the portfolio. Croatian banks, including OTP banka, increased provisions for possible future losses from non-performing loans in order to better prepare for challenges. They also conducted stress tests to assess how different scenarios might affect their portfolio. The pandemic has stimulated a greater need for digital banking and online services. OTP banka has made efforts in the further digitization of operations to ensure continuity and better client service during and after the pandemic. Furthermore, OTP banka cooperated with regulatory authorities and followed the guidelines of the Croatian National Bank in order to ensure stability and compliance with regulations during the crisis.