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May 12 (Reuters) - Hungary's OTP Bank Deputy CEO Laszlo Bencsik tells press conference:
* Further steps needed to improve profitability in Slovakia, Serbia and Montenegro.
* Steps could include acquisitions as well as organic growth.
* Targets loan-to-deposit ratio nearer to 100 percent in the coming years.
* Expects dynamic loan growth in Russia this year, primarily in consumer loans.
* Timing of acquisition of Splitska Banka in Croatia was "favourable", with Croatia expected to enter growth phase.
* Expects non-performing loan rate to continue to fall. Rate now below 10 pct in core Hungarian market.
* Hungarian revenue shrinks, pressured by tight margins and increased competition.
* Recovered risk provisions in Hungary after non-performing loans were sold for more than the provisions set aside.
* Bulgarian business showed similar pattern, with revenue decline offset by lower risk provisions.
* OTP shares up 1.9 pct at 8,400 forints in morning trade, well above key support level of 8,000 forints, which analysts said signifies upside potential. Further company coverage: (Reporting by Marton Dunai; Editing by David Goodman)