Optima bank S.A. (ATH:OPTIMA)

Optima bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	269.3	253.65	173.1	65.06	29.7	10.05
Interest Income on Investments	0.62	0.51	0.25	0.15	0.17	0.19
Total Interest Income	269.92	254.16	173.34	65.21	29.87	10.24
Interest Paid on Deposits	69.68	63.79	30.89	4.26	2.67	2.68
Net Interest Income	200.24	190.37	142.46	60.94	27.2	7.56
Net Interest Income Growth (YoY)	15.56%	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	60.24	52.36	39.43	36.04	16.31	7.09
Total Non-Interest Income	73.34	64.35	50.5	35.75	20.79	18.16
Non-Interest Income Growth (YoY)	27.10%	27.43%	41.28%	71.90%	14.50%	129.29%
Revenues Before Loan Losses	273.58	254.72	192.96	96.69	47.99	25.72
Provision for Loan Losses	24.12	20.55	9.91	6.74	4.12	5.06
Revenue	249.46	234.17	183.04	89.95	43.87	20.67
Revenue Growth (YoY)	13.77%	27.93%	103.50%	105.04%	112.29%	130.71%
Salaries and Employee Benefits	35.34	32.64	30.38	22.54	19.55	17.07
Occupancy Expenses	8.81	8.33	7.31	5.96	5.05	3.09
Selling, General & Administrative	-	-	-	-	-	0.51
Other Non-Interest Expense	19.36	16.91	19.24	13.31	9.14	5.88
Total Non-Interest Expense	63.3	57.53	57.13	41.81	33.75	26.55
EBT Excluding Unusual Items	186.16	176.64	125.92	48.14	10.12	-5.88
Legal Settlements	-	-	0.03	-0.04	-	-0.07
Pretax Income	186.16	176.64	125.94	48.11	10.12	-5.95
Income Tax Expense	33.87	36.41	22.92	5.68	0.07	-1.05
Earnings From Continuing Operations	152.3	140.23	103.02	42.43	10.05	-4.9
Minority Interest in Earnings	-0	-0	-0	-0	-	-
Net Income	152.29	140.22	103.02	42.43	10.05	-4.9
Net Income to Common	152.29	140.22	103.02	42.43	10.05	-4.9
Net Income Growth	19.02%	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)	7.65%	38.33%	33.41%	6.24%	-	-
EPS (Basic)	0.69	0.63	0.64	0.38	0.09	-
EPS (Diluted)	0.69	0.63	0.64	0.36	0.09	-
EPS Growth	10.60%	-1.55%	80.91%	299.40%	-	-
Dividend Per Share	0.190	0.190	0.147	-	-	-
Dividend Growth	29.52%	29.52%	-	-	-	-
Effective Tax Rate	18.19%	20.61%	18.20%	11.80%	0.72%	-

Updated Mar 6, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.