Optima bank Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	21.01	16.27	11.64	10.36	6.51	42.57
Investment Securities	974.91	605.27	436.43	278.12	290.55	254.08
Trading Asset Securities	311.51	297.93	362.38	248	54.63	41.19
Total Investments	1,286	903.2	798.81	526.12	345.18	295.27
Gross Loans	4,437	3,666	2,467	1,702	1,038	396.23
Allowance for Loan Losses	-59.26	-44.9	-27.6	-18.91	-13.71	-10.17
Net Loans	4,377	3,622	2,440	1,684	1,025	386.05
Property, Plant & Equipment	28.44	30.31	30.41	31.28	31.23	37.52
Other Intangible Assets	11	11.4	10.81	10.32	8.73	-
Other Receivables	-	11.84	12.51	76.43	56.57	4.18
Restricted Cash	825.23	781.38	467.68	204.88	71.98	146.8
Other Current Assets	-	71.2	58.22	11.44	72.98	38.31
Long-Term Deferred Tax Assets	12.45	9.69	8.08	6.35	2.93	1.99
Other Long-Term Assets	158.5	84.12	30.28	46.42	14.18	47.4
Total Assets	6,720	5,541	3,868	2,607	1,635	1,000
Accrued Expenses	-	4.12	3.39	2.08	2	0.71
Interest Bearing Deposits	3,555	3,118	1,920	947.92	588.14	485.53
Non-Interest Bearing Deposits	2,156	1,618	1,338	1,214	742.06	272.03
Total Deposits	5,711	4,736	3,258	2,162	1,330	757.56
Short-Term Borrowings	4.07	5.32	8.5	85.67	95.5	20.9
Current Portion of Long-Term Debt	-	-	2.02	-	-	-
Current Portion of Leases	-	3.27	2.7	2.3	2.09	1.7
Current Income Taxes Payable	0.77	5.57	12.23	4.06	0.64	0.84
Accrued Interest Payable	-	1.86	1.99	1.18	0.35	0.13
Other Current Liabilities	15.2	22.92	12.75	21.81	16.53	51.02
Long-Term Debt	148.67	-	-	5.04	-	-
Long-Term Leases	19.73	17.96	18.17	17.96	17.88	18.17
Pension & Post-Retirement Benefits	1.21	1.03	0.69	0.55	0.46	0.35
Other Long-Term Liabilities	119.34	122.56	37.65	51.37	12.97	1.19
Total Liabilities	6,020	4,921	3,358	2,354	1,479	852.57
Common Stock	254.52	254.52	254.25	160.28	160.28	160.28
Additional Paid-In Capital	84.11	84.11	84.11	-	-	-
Retained Earnings	331.92	282.9	169.04	38.94	-3.03	-13.08
Treasury Stock	-0.14	-0.11	-0.16	-	-	-
Comprehensive Income & Other	30.42	-1.15	2.82	53.72	-0.95	0.31
Total Common Equity	700.84	620.28	510.06	252.94	156.3	147.52
Minority Interest	0.03	0.02	0.02	0.02	-	-
Shareholders' Equity	700.87	620.3	510.08	252.95	156.3	147.52
Total Liabilities & Equity	6,720	5,541	3,868	2,607	1,635	1,000
Total Debt	172.47	26.54	31.38	110.96	115.47	40.78
Net Cash (Debt)	458.19	431.09	440.93	157.35	-48.87	42.99
Net Cash Growth	288.47%	-2.23%	180.22%	-	-	-69.93%
Net Cash Per Share	2.07	1.95	2.76	1.31	-0.43	-
Filing Date Shares Outstanding	221.29	221.29	221.01	112.87	112.87	-
Total Common Shares Outstanding	221.29	221.29	221.01	112.87	112.87	-
Book Value Per Share	3.17	2.80	2.31	2.24	1.38	-
Tangible Book Value	689.84	608.88	499.25	242.61	147.57	147.52
Tangible Book Value Per Share	3.12	2.75	2.26	2.15	1.31	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.