Optima bank S.A. (ATH:OPTIMA)

Optima bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	294.89	279.82	253.65	173.1	65.06	29.7
Interest Income on Investments	0.87	0.82	0.51	0.25	0.15	0.17
Total Interest Income	295.76	280.64	254.16	173.34	65.21	29.87
Interest Paid on Deposits	72.39	69.78	63.79	30.89	4.26	2.67
Net Interest Income	223.37	210.86	190.37	142.46	60.94	27.2
Net Interest Income Growth (YoY)	14.32%	10.76%	33.63%	133.75%	124.06%	259.74%
Gain (Loss) on Sale of Investments	14.51	14.51	9.21	10.26	-0.29	4.48
Other Non-Interest Income	71.85	66.79	52.49	39.43	36.04	16.31
Total Non-Interest Income	89.78	86.69	64.35	50.5	35.75	20.79
Non-Interest Income Growth (YoY)	30.61%	34.71%	27.43%	41.28%	71.90%	14.50%
Revenues Before Loan Losses	313.15	297.55	254.72	192.96	96.69	47.99
Provision for Loan Losses	26.68	24.52	20.55	9.91	6.74	4.12
Revenue	286.47	273.03	234.17	183.04	89.95	43.87
Revenue Growth (YoY)	17.73%	16.59%	27.93%	103.50%	105.04%	112.29%
Salaries and Employee Benefits	37.98	36.32	32.64	30.38	22.54	19.55
Occupancy Expenses	9.37	9.29	8.33	7.31	5.96	5.05
Other Non-Interest Expense	21.68	20.9	16.91	19.24	13.31	9.14
Total Non-Interest Expense	69.63	67.11	57.53	57.13	41.81	33.75
EBT Excluding Unusual Items	216.84	205.92	176.64	125.92	48.14	10.12
Legal Settlements	-	-	-	0.03	-0.04	-
Pretax Income	216.84	205.92	176.64	125.94	48.11	10.12
Income Tax Expense	38.28	35.86	36.41	22.92	5.68	0.07
Earnings From Continuing Operations	178.56	170.06	140.23	103.02	42.43	10.05
Minority Interest in Earnings	-0.01	-0.01	-0	-0	-0	-
Net Income	178.54	170.05	140.22	103.02	42.43	10.05
Net Income to Common	178.54	170.05	140.22	103.02	42.43	10.05
Net Income Growth	21.88%	21.27%	36.11%	142.83%	322.18%	-
Basic Shares Outstanding	221	221	221	160	113	113
Diluted Shares Outstanding	221	221	221	160	120	113
Shares Change (YoY)	-0.06%	-0.03%	38.33%	33.41%	6.24%	-
EPS (Basic)	0.81	0.77	0.63	0.64	0.38	0.09
EPS (Diluted)	0.80	0.77	0.63	0.64	0.36	0.09
EPS Growth	20.86%	22.00%	-2.07%	80.91%	299.40%	-
Dividend Per Share	-	-	0.190	0.147	-	-
Dividend Growth	-	-	29.52%	-	-	-
Effective Tax Rate	17.66%	17.42%	20.61%	18.20%	11.80%	0.72%

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jun 18, 2026

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