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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Optima bank
Optima bank (OPTIMA) investor relations material
Optima bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary11 Nov, 2026
Executive summary
9M 2026 net profit was €165.1mn, up 33.8% YoY; ROTE reached 27.84%.
Gross loans rose 38% YoY to €6.106bn and deposits increased 32% to €7.483bn.
Profitable growth was supported by higher loan volumes, strong fee generation and customer activity.
Financial highlights
9M total income increased 33% YoY to €281.9mn; net interest income rose 33% to €203.5mn and net fees increased 55% to €62.4mn.
Pre-provision income rose 36% to €223.3mn; impairments increased 44% to €21.7mn.
Operating expenses increased 20% to €58.6mn; profit before tax was €201.5mn, up 35%, and net profit was €165.1mn versus €123.4mn.
Adjusted profit after AT1 was €161.2mn, up 31%; basic and adjusted EPS were €0.75 versus €0.56.
Q3 core income grew 42% YoY to €95mn, with NII and fees each up 42%.
Outlook and guidance
FY 2026 guidance targets loan growth of €1.35bn to ~€6.5bn and deposit growth of €1.70bn to ~€8.0bn.
FY net profit target exceeds €210mn, implying minimum 24% YoY growth; 9M delivery reached 79% of guidance.
Guidance includes ROTE of ~25%, cost of risk of ~55bps and cost to core income below 30%; 9M results were 27.8%, 52bps and 22.1%, respectively.
Guidance excludes the proposed Euroxx Securities acquisition and consolidation impact.
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Latest events from Optima bank
- Net profit up 29% YoY to €104.3mn, with strong loan, deposit, and capital growth in H1 2026.OPTIMA
Q2 2026 - Net profit up 22% YoY to €47.5mn, with strong growth in loans, deposits, and fee income.OPTIMAQ1 2026
- Net profit up 57% YoY to €69m, ROTE at 26.7%, and FY 2024 profit guidance above €134m.OPTIMAQ2 2024
- Net profit up 21% to €170mn, with strong growth in loans, deposits, and high efficiency.OPTIMAQ4 2025
- Net profit up 14% YoY to €123.4mn, with strong growth in loans, deposits, and ROTE at 25.3%.OPTIMAQ3 2025
- Net profit up 18% YoY, with record results and capital boosted by Tier 2 bond and Moody's rating.OPTIMAQ2 2025
- Net profit up 50% YoY to €108.2m, with record loan and deposit growth and strong ROTE.OPTIMAQ3 2024
- Net profit up 19% YoY, with strong loan and deposit growth and a positive 2025 outlook.OPTIMAQ1 2025
- Net profit up 36% to €140.2m, with record loan and deposit growth and strong efficiency.OPTIMAQ4 2024
Next Optima bank earnings date
Q4 20265 Mar, 2027
Optima bank
Next Optima bank earnings date
Q4 20265 Mar, 2027
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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).