Optima bank Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	279.82	253.65	173.1	65.06	29.7
Interest Income on Investments	0.82	0.51	0.25	0.15	0.17
Total Interest Income	280.64	254.16	173.34	65.21	29.87
Interest Paid on Deposits	69.78	63.79	30.89	4.26	2.67
Net Interest Income	210.86	190.37	142.46	60.94	27.2
Net Interest Income Growth (YoY)	10.76%	33.63%	133.75%	124.06%	259.74%
Gain (Loss) on Sale of Investments	14.51	9.21	10.26	-0.29	4.48
Other Non-Interest Income	66.79	52.49	39.43	36.04	16.31
Total Non-Interest Income	86.69	64.35	50.5	35.75	20.79
Non-Interest Income Growth (YoY)	34.71%	27.43%	41.28%	71.90%	14.50%
Revenues Before Loan Losses	297.55	254.72	192.96	96.69	47.99
Provision for Loan Losses	24.52	20.55	9.91	6.74	4.12
Revenue	273.03	234.17	183.04	89.95	43.87
Revenue Growth (YoY)	16.59%	27.93%	103.50%	105.04%	112.29%
Salaries and Employee Benefits	36.32	32.64	30.38	22.54	19.55
Occupancy Expenses	9.29	8.33	7.31	5.96	5.05
Other Non-Interest Expense	20.9	16.91	19.24	13.31	9.14
Total Non-Interest Expense	67.11	57.53	57.13	41.81	33.75
EBT Excluding Unusual Items	205.92	176.64	125.92	48.14	10.12
Legal Settlements	-	-	0.03	-0.04	-
Pretax Income	205.92	176.64	125.94	48.11	10.12
Income Tax Expense	35.86	36.41	22.92	5.68	0.07
Earnings From Continuing Operations	170.06	140.23	103.02	42.43	10.05
Minority Interest in Earnings	-0.01	-0	-0	-0	-
Net Income	170.05	140.22	103.02	42.43	10.05
Net Income to Common	170.05	140.22	103.02	42.43	10.05
Net Income Growth	21.27%	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)	-0.03%	38.33%	33.41%	6.24%	-
EPS (Basic)	0.77	0.63	0.64	0.38	0.09
EPS (Diluted)	0.77	0.63	0.64	0.36	0.09
EPS Growth	22.00%	-2.07%	80.91%	299.40%	-
Dividend Per Share	-	0.190	0.147	-	-
Dividend Growth	-	29.52%	-	-	-
Effective Tax Rate	17.42%	20.61%	18.20%	11.80%	0.72%