Optima bank Income Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	271.43	253.65	173.1	65.06	29.7	10.05
Interest Income on Investments	0.57	0.51	0.25	0.15	0.17	0.19
Total Interest Income	272	254.16	173.34	65.21	29.87	10.24
Interest Paid on Deposits	69.23	63.79	30.89	4.26	2.67	2.68
Net Interest Income	202.77	190.37	142.46	60.94	27.2	7.56
Net Interest Income Growth (YoY)	9.64%	33.63%	133.75%	124.06%	259.74%	63.73%
Gain (Loss) on Sale of Investments	9.35	9.35	10.26	-0.29	4.48	11.07
Other Non-Interest Income	62.58	52.36	39.43	36.04	16.31	7.09
Total Non-Interest Income	76.65	64.35	50.5	35.75	20.79	18.16
Non-Interest Income Growth (YoY)	25.66%	27.43%	41.28%	71.90%	14.50%	129.29%
Revenues Before Loan Losses	279.42	254.72	192.96	96.69	47.99	25.72
Provision for Loan Losses	24.94	20.55	9.91	6.74	4.12	5.06
Revenue	254.48	234.17	183.04	89.95	43.87	20.67
Revenue Growth (YoY)	8.74%	27.93%	103.50%	105.04%	112.29%	130.71%
Salaries and Employee Benefits	36.45	32.64	30.38	22.54	19.55	17.07
Occupancy Expenses	9.03	8.33	7.31	5.96	5.05	3.09
Selling, General & Administrative	-	-	-	-	-	0.51
Other Non-Interest Expense	20.1	16.91	19.24	13.31	9.14	5.88
Total Non-Interest Expense	65.38	57.53	57.13	41.81	33.75	26.55
EBT Excluding Unusual Items	189.1	176.64	125.92	48.14	10.12	-5.88
Legal Settlements	-	-	0.03	-0.04	-	-0.07
Pretax Income	189.1	176.64	125.94	48.11	10.12	-5.95
Income Tax Expense	33.7	36.41	22.92	5.68	0.07	-1.05
Earnings From Continuing Operations	155.4	140.23	103.02	42.43	10.05	-4.9
Minority Interest in Earnings	-0.01	-0	-0	-0	-	-
Net Income	155.4	140.22	103.02	42.43	10.05	-4.9
Net Income to Common	155.4	140.22	103.02	42.43	10.05	-4.9
Net Income Growth	11.75%	36.11%	142.83%	322.18%	-	-
Basic Shares Outstanding	221	221	160	113	113	-
Diluted Shares Outstanding	221	221	160	120	113	-
Shares Change (YoY)	-0.00%	38.33%	33.41%	6.24%	-	-
EPS (Basic)	0.70	0.63	0.64	0.38	0.09	-
EPS (Diluted)	0.70	0.63	0.64	0.36	0.09	-
EPS Growth	11.75%	-1.55%	80.91%	299.40%	-	-
Dividend Per Share	0.190	0.190	0.147	-	-	-
Dividend Growth	29.52%	29.52%	-	-	-	-
Effective Tax Rate	17.82%	20.61%	18.20%	11.80%	0.72%	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.