Optima bank Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	318.14	279.82	253.65	173.1	65.06	29.7
Interest Income on Investments	1.74	0.82	0.51	0.25	0.15	0.17
Total Interest Income	319.88	280.64	254.16	173.34	65.21	29.87
Interest Paid on Deposits	80.04	69.78	63.79	30.89	4.26	2.67
Net Interest Income	239.84	210.86	190.37	142.46	60.94	27.2
Net Interest Income Growth	19.78%	10.76%	33.63%	133.75%	124.06%	259.74%
Gain (Loss) on Sale of Investments	14.51	14.51	9.21	10.26	-0.29	4.48
Other Non-Interest Income	80.2	66.79	52.49	39.43	36.04	16.31
Total Non-Interest Income	98.82	86.69	64.35	50.5	35.75	20.79
Non-Interest Income Growth	34.74%	34.71%	27.43%	41.28%	71.90%	14.50%
Revenues Before Loan Losses	338.66	297.55	254.72	192.96	96.69	47.99
Provision for Loan Losses	28.94	24.52	20.55	9.91	6.74	4.12
Revenue	309.72	273.03	234.17	183.04	89.95	43.87
Revenue Growth	24.15%	16.59%	27.93%	103.50%	105.04%	112.29%
Salaries and Employee Benefits	39.88	36.32	32.64	30.38	22.54	19.55
Occupancy Expenses	9.45	9.29	8.33	7.31	5.96	5.05
Other Non-Interest Expense	23.49	20.9	16.91	19.24	13.31	9.14
Total Non-Interest Expense	73.41	67.11	57.53	57.13	41.81	33.75
EBT Excluding Unusual Items	236.31	205.92	176.64	125.92	48.14	10.12
Legal Settlements	-	-	-	0.03	-0.04	-
Pretax Income	236.31	205.92	176.64	125.94	48.11	10.12
Income Tax Expense	43.02	35.86	36.41	22.92	5.68	0.07
Earnings From Continuing Operations	193.29	170.06	140.23	103.02	42.43	10.05
Minority Interest in Earnings	-0.02	-0.01	-0	-0	-0	-
Net Income	193.27	170.05	140.22	103.02	42.43	10.05
Net Income to Common	193.27	170.05	140.22	103.02	42.43	10.05
Net Income Growth	26.91%	21.27%	36.11%	142.83%	322.18%	-
Basic Shares Outstanding	221	221	221	160	113	113
Diluted Shares Outstanding	221	221	221	160	120	113
Shares Change	-0.07%	-0.03%	38.33%	33.41%	6.24%	-
EPS (Basic)	0.87	0.77	0.63	0.64	0.38	0.09
EPS (Diluted)	0.87	0.77	0.63	0.64	0.36	0.09
EPS Growth	26.43%	22.00%	-2.07%	80.91%	299.40%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	-	-	0.190	0.147	-	-
Dividend Growth	-	-	29.52%	-	-	-
Effective Tax Rate	18.20%	17.42%	20.61%	18.20%	11.80%	0.72%