Optima bank S.A. (ATH: OPTIMA)

Optima bank Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	14.16	11.64	10.36	6.51	42.57	86.64
Investment Securities	458.44	348.38	278.12	290.55	254.08	1.43
Trading Asset Securities	192.82	371.01	248	54.63	41.19	63.28
Total Investments	651.26	719.4	526.12	345.18	295.27	64.71
Gross Loans	3,316	2,467	1,702	1,038	391.89	93.73
Allowance for Loan Losses	-35.22	-27.6	-18.91	-13.71	-10.39	-5.02
Net Loans	3,280	2,440	1,684	1,025	381.5	88.71
Property, Plant & Equipment	29.29	30.41	31.28	31.23	30.14	9.08
Other Intangible Assets	10.33	10.81	10.32	8.73	3.33	1.81
Other Receivables	93.22	110.7	76.43	56.57	4.18	1.61
Restricted Cash	716.46	467.68	204.88	71.98	146.8	26.77
Other Current Assets	-	49.59	11.44	72.98	37.63	1.81
Long-Term Deferred Tax Assets	7.71	8.08	6.35	2.93	3	1.91
Other Long-Term Assets	117.59	20.13	46.42	14.18	47.4	20.49
Total Assets	4,920	3,868	2,607	1,635	991.81	303.53
Accrued Expenses	-	3.39	2.08	2	0.71	0.59
Interest Bearing Deposits	2,482	1,842	947.92	588.14	485.53	140.24
Non-Interest Bearing Deposits	1,681	1,337	1,214	742.06	272.03	72.28
Total Deposits	4,163	3,179	2,162	1,330	757.56	212.52
Short-Term Borrowings	72.81	87.55	85.67	95.5	20.9	0.76
Current Portion of Long-Term Debt	-	2.02	-	-	-	-
Current Portion of Leases	-	2.7	2.3	2.09	1.58	0.72
Current Income Taxes Payable	16.95	12.23	4.06	0.64	0.84	0.46
Accrued Interest Payable	-	1.99	1.18	0.35	0.13	0.02
Other Current Liabilities	11.74	12.75	21.81	16.53	51.02	9
Long-Term Debt	-	-	5.04	-	-	-
Long-Term Leases	20.56	18.17	17.96	17.88	18.3	5.47
Pension & Post-Retirement Benefits	0.83	0.69	0.55	0.46	0.51	0.4
Other Long-Term Liabilities	46.54	37.65	51.37	12.97	0.98	0.79
Total Liabilities	4,332	3,358	2,354	1,479	852.52	230.74
Common Stock	254.52	254.25	160.28	160.28	160.28	110.43
Additional Paid-In Capital	84.11	84.11	-	-	-	-
Retained Earnings	226.24	169.04	38.94	-3.03	-22.83	-39.19
Treasury Stock	-0.04	-0.16	-	-	-	-
Comprehensive Income & Other	23.18	2.82	53.72	-0.95	1.85	1.55
Total Common Equity	588.02	510.06	252.94	156.3	139.3	72.79
Minority Interest	0.02	0.02	0.02	-	-	-
Shareholders' Equity	588.04	510.08	252.95	156.3	139.3	72.79
Total Liabilities & Equity	4,920	3,868	2,607	1,635	991.81	303.53
Total Debt	93.37	110.44	110.96	115.47	40.78	6.95
Net Cash (Debt)	117.95	282.47	157.35	-48.87	42.99	142.97
Net Cash Growth	-40.25%	79.51%	-	-	-69.93%	293.04%
Net Cash Per Share	1.60	5.30	3.94	-1.30	-	7.60
Filing Date Shares Outstanding	73.77	73.67	37.62	37.62	-	18.81
Total Common Shares Outstanding	73.77	73.67	37.62	37.62	-	18.81
Book Value Per Share	7.97	6.92	6.72	4.15	-	3.87
Tangible Book Value	577.68	499.25	242.61	147.57	135.97	70.99
Tangible Book Value Per Share	7.83	6.78	6.45	3.92	-	3.77

Source: S&P Capital IQ. Banks template. Financial Sources.