Optima bank Balance Sheet

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
Cash & Equivalents	15.62	16.27	11.64	10.36	6.51
Investment Securities	1,327	605.27	436.43	278.12	290.55
Trading Asset Securities	357.39	297.93	362.38	248	54.63
Total Investments	1,684	903.2	798.81	526.12	345.18
Gross Loans	5,127	3,666	2,467	1,702	1,038
Allowance for Loan Losses	-68.26	-44.9	-27.6	-18.91	-13.71
Net Loans	5,059	3,622	2,440	1,684	1,025
Property, Plant & Equipment	28.5	30.31	30.41	31.28	31.23
Other Intangible Assets	11.03	11.4	10.81	10.32	8.73
Other Receivables	13.11	11.74	12.51	76.43	56.57
Restricted Cash	668.23	781.38	467.68	204.88	71.98
Other Current Assets	31.98	71.2	58.22	11.44	72.98
Long-Term Deferred Tax Assets	14.83	9.69	8.08	6.35	2.93
Other Long-Term Assets	32.05	84.22	30.28	46.42	14.18
Total Assets	7,558	5,541	3,868	2,607	1,635
Accrued Expenses	4.42	4.12	3.39	2.08	2
Interest Bearing Deposits	4,292	3,118	1,920	947.92	588.14
Non-Interest Bearing Deposits	2,270	1,618	1,338	1,214	742.06
Total Deposits	6,563	4,736	3,258	2,162	1,330
Short-Term Borrowings	5.62	5.32	8.5	85.67	95.5
Current Portion of Long-Term Debt	-	-	2.02	-	-
Current Portion of Leases	3.7	3.27	2.7	2.3	2.09
Current Income Taxes Payable	3.63	5.57	12.23	4.06	0.64
Accrued Interest Payable	2.45	1.86	1.99	1.18	0.35
Other Current Liabilities	17.32	22.92	12.75	21.81	16.53
Long-Term Debt	150.78	-	-	5.04	-
Long-Term Leases	16.26	17.96	18.17	17.96	17.88
Pension & Post-Retirement Benefits	1.09	1.03	0.69	0.55	0.46
Other Long-Term Liabilities	43.4	122.56	37.65	51.37	12.97
Total Liabilities	6,811	4,921	3,358	2,354	1,479
Common Stock	254.52	254.52	254.25	160.28	160.28
Additional Paid-In Capital	84.11	84.11	84.11	-	-
Retained Earnings	409.92	282.9	169.04	38.94	-3.03
Treasury Stock	-1.74	-0.11	-0.16	-	-
Comprehensive Income & Other	0.31	-1.15	2.82	53.72	-0.95
Total Common Equity	747.12	620.28	510.06	252.94	156.3
Minority Interest	0.03	0.02	0.02	0.02	-
Shareholders' Equity	747.16	620.3	510.08	252.95	156.3
Total Liabilities & Equity	7,558	5,541	3,868	2,607	1,635
Total Debt	176.36	26.54	31.38	110.96	115.47
Net Cash (Debt)	494.78	431.09	440.93	157.35	-48.87
Net Cash Growth	14.77%	-2.23%	180.22%	-	-
Net Cash Per Share	2.24	1.95	2.76	1.31	-0.43
Filing Date Shares Outstanding	221.07	221.29	221.01	112.87	112.87
Total Common Shares Outstanding	221.07	221.29	221.01	112.87	112.87
Book Value Per Share	3.38	2.80	2.31	2.24	1.38
Tangible Book Value	736.09	608.88	499.25	242.61	147.57
Tangible Book Value Per Share	3.33	2.75	2.26	2.15	1.31

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.