)
Edge6 Mar 2026
Upvoted: The Story of Reddit
How Reddit built a unique platform around communities and conversation, turning human insight and intent into a distinctive business model.
Optima bank
Optima bank (OPTIMA) investor relations material
Optima bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary3 Mar, 2026
Executive summary
FY 2025 delivered strong growth, exceeding all key guidance metrics and market expectations, with net profit of €170mn, up 21% year-over-year, driven by volume growth and robust fee generation.
Maintained high returns and efficiency, with ROTE at 25.3% and cost to core income at 24.5%.
Demonstrated broad-based growth across all business areas, with significant increases in both loans and deposits.
Expanded presence in wealth management and successfully entered the leasing market.
Initiated operational improvements through targeted AI adoption.
Financial highlights
Net profit for FY 2025 was €170mn, up 21% year-over-year from €140.2mn in FY 2024.
Gross loans grew 40% year-over-year (+€1.5bn) to €5.1bn, deposits up 36% (+€1.7bn) to €6.3bn.
Total revenues increased 17% to €297.6mn; fees grew 49% to €61.8mn.
NII rose 11% to €210mn; NIM for FY 2025 at 3.21%.
Operating expenses increased 15% YoY to €66.5mn, mainly due to higher G&A and staff costs.
Outlook and guidance
FY 2026 guidance targets loan growth of +€1.1bn and deposit growth of +€1.4bn.
Net profit expected to exceed €195mn, with implied ROTE around 24%.
Cost to core income ratio to remain below 30%; cost of risk guided at 55bps.
Management remains optimistic for 2026, citing improving macroeconomic conditions in Greece, including steady GDP growth, moderating inflation, and rising investment.
Strategic focus will be on strengthening customer relationships, growing interest and fee-based revenues, enhancing digital capabilities, and maintaining cost and risk discipline.
How to sustain NII with falling NIM
How is loan quality maintained with 40% growth?
What drives 15% YoY operating expense growth?
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Next Optima bank earnings date
Q1 202612 May, 2026
Optima bank
Next Optima bank earnings date
Q1 202612 May, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Optima bank S.A. is a financial institution providing banking and financial services to individuals, businesses, and corporate clients. The company offers a range of products, including deposits, loans, investment solutions, and digital banking services. Optima bank operates through a network of branches and digital platforms to serve clients across various sectors. The company is headquartered in Athens, Greece, and its shares are listed on the Athens Stock Exchange (ATHEX).
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage