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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	264.12	253.65	173.1	65.06	29.7	10.05
Interest Income on Investments	0.51	0.51	0.25	0.15	0.17	0.19
Total Interest Income	264.62	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	195.39	190.37	142.46	60.94	27.2	7.56
Net Interest Income Growth (YoY)	22.36%	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	54.76	52.36	39.43	36.04	16.31	7.09
Total Non-Interest Income	68.73	64.35	50.5	35.75	20.79	18.16
Non-Interest Income Growth (YoY)	27.05%	27.43%	41.28%	71.90%	14.50%	129.29%
Revenues Before Loan Losses	264.12	254.72	192.96	96.69	47.99	25.72
Provision for Loan Losses	20.79	20.55	9.91	6.74	4.12	5.06
Revenue	243.33	234.17	183.04	89.95	43.87	20.67
Revenue Growth (YoY)	19.72%	27.93%	103.50%	105.04%	112.29%	130.71%
Salaries and Employee Benefits	33.96	32.64	30.38	22.54	19.55	17.07
Occupancy Expenses	8.59	8.33	7.31	5.96	5.05	3.09
Selling, General & Administrative	-	-	-	-	-	0.51
Other Non-Interest Expense	17.46	16.91	19.24	13.31	9.14	5.88
Total Non-Interest Expense	59.65	57.53	57.13	41.81	33.75	26.55
EBT Excluding Unusual Items	183.68	176.64	125.92	48.14	10.12	-5.88
Legal Settlements	-	-	0.03	-0.04	-	-0.07
Pretax Income	183.68	176.64	125.94	48.11	10.12	-5.95
Income Tax Expense	37.19	36.41	22.92	5.68	0.07	-1.05
Earnings From Continuing Operations	146.49	140.23	103.02	42.43	10.05	-4.9
Minority Interest in Earnings	-0	-0	-0	-0	-	-
Net Income	146.49	140.22	103.02	42.43	10.05	-4.9
Net Income to Common	146.49	140.22	103.02	42.43	10.05	-4.9
Net Income Growth	24.84%	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)	18.77%	38.33%	33.41%	6.24%	-	-
EPS (Basic)	0.66	0.63	0.64	0.38	0.09	-
EPS (Diluted)	0.66	0.63	0.64	0.36	0.09	-
EPS Growth	5.15%	-1.55%	80.91%	299.40%	-	-
Dividend Per Share	0.190	0.190	0.147	-	-	-
Dividend Growth	29.52%	29.52%	-	-	-	-
Effective Tax Rate	20.24%	20.61%	18.20%	11.80%	0.72%	-

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