Optima bank S.A. (ATH:OPTIMA)

Optima bank Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	193.27	170.05	140.22	103.02	42.43	10.05
Depreciation & Amortization	6.27	6.11	5.51	5.1	4.45	4.1
Other Amortization	3.18	3.18	2.82	2.21	1.51	0.95
Gain (Loss) on Sale of Assets	0	0.01	0.18	-0.57	0	-
Gain (Loss) on Sale of Investments	-16.13	-14.43	-8.63	-8.85	0.87	-0.53
Total Asset Writedown	-	-	-	-	-	0.02
Provision for Credit Losses	27.78	23.36	17.35	9.44	5.23	3.61
Change in Trading Asset Securities	-20.34	-26.24	84.29	-116.79	-159.33	-30.33
Change in Other Net Operating Assets	-1,549	-1,323	-1,191	-807.53	23.6	-610.92
Other Operating Activities	21.65	19.72	28.2	24.11	2.61	1.96
Operating Cash Flow	-1,333	-1,141	-921.08	-789.66	-743.37	-621.09
Operating Cash Flow Growth	-	-	-	-	-	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-1.82	-1.85	-1.77	-1.49	-1.71	-3.1
Sale of Property, Plant and Equipment	0.02	0.02	0	1	-	0.22
Investment in Securities	-504.91	-583.78	-140.34	-74.11	4.57	-43.71
Income (Loss) Equity Investments	0.6	0.6	-0.35	0.19	-	-
Purchase / Sale of Intangibles	-3.03	-3.13	-3.72	-3	-3.41	-2.54
Other Investing Activities	20.55	18.81	16.92	8.25	6.47	2.76
Investing Cash Flow	-489.2	-569.93	-128.91	-69.35	5.92	-46.37

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	148.51	-	-	5.04	-
Total Debt Issued	0.22	148.51	-	-	5.04	-
Long-Term Debt Repaid	-	-4.2	-5.73	-6.33	-2.92	-2.39
Total Debt Repaid	-4.4	-4.2	-5.73	-6.33	-2.92	-2.39
Net Debt Issued (Repaid)	-4.18	144.31	-5.73	-6.33	2.12	-2.39
Issuance of Common Stock	198.51	1.91	2.89	151.46	60	10.83
Repurchase of Common Stock	-2.45	-3.53	-2.76	-0.76	-	-
Common Dividends Paid	-50.85	-42.05	-32.46	-	-	-
Net Increase (Decrease) in Deposit Accounts	1,914	1,653	1,452	1,015	830.48	599.51
Other Financing Activities	-2.08	-2.08	-0.16	-7.31	-	-
Financing Cash Flow	2,052	1,751	1,413	1,152	892.6	607.95

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Foreign Exchange Rate Adjustments	0.03	-0.14	0.06	-0.07	-0.02	0.06
Net Cash Flow	230.58	40.9	363.46	292.57	155.13	-59.45

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	-1,335	-1,142	-922.85	-791.15	-745.08	-624.19
Free Cash Flow Growth	-	-	-	-	-	-
Free Cash Flow Margin	-430.89%	-418.41%	-394.09%	-432.22%	-828.33%	-1422.81%
Free Cash Flow Per Share	-6.04	-5.16	-4.17	-4.95	-6.21	-5.53

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	0	0	0	0.37	0	0.25
Cash Income Tax Paid	29.23	28.76	8.92	8.65	0.93	0.67

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 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:

Aug 15, 2026

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