Optima bank

Optima bank (OPTIMA) investor relations material

Optima bank Q2 2026 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.

Q2 2026 earnings summary30 Jul, 2026

Executive summary

Net profit after tax for 1H 2026 was €104.3mn, up 29% YoY, driven by higher loan volumes, robust fee generation, and strong deposit inflows.
Total assets reached €8.68bn as of 30 June 2026, up €1.12bn from year-end 2025, supported by loan and deposit growth.
Awarded Best Bank for SMEs and Best Bank for Customer Experience in Greece by Euromoney for 2026.
Completed €200mn AT1 issuance, 11x oversubscribed, strengthening capital base.
Distributed €0.23 per share dividend from 2025 profits in June 2026.

Financial highlights

Net interest income rose 28% YoY to €129.3mn; net fee and commission income surged 63% YoY to €41.6mn.
Total revenues increased 29% YoY to €181.5mn; pre-provision income up 32% YoY to €142.9mn.
Operating expenses grew 20% YoY to €38.6mn, mainly due to staff expansion.
Cost to core income ratio improved to 22.6% from 25.5% in 1H 2025.
Earnings per share (basic and adjusted) were €0.47, up from €0.37 in H1 2025.

Outlook and guidance

FY 2026 guidance raised: net profit expected to exceed €210mn, loan book growth to €1.35bn, deposit growth to €1.7bn, and ROTE adj. ~25%.
Guidance does not include impact from Euroxx Securities acquisition.
Management anticipates 2026 could be the strongest year in the bank’s history.
The Group aims to expand its loan portfolio, strengthen market share, and enhance profitability through cost control and diversified revenue streams.
Macroeconomic risks include geopolitical tensions, persistent inflation, and energy price volatility.

Drivers for the 2026 profit guidance upgrade

Components of the 63% fee and commission growth

NIM sensitivity to falling Euribor rates

Drivers of the 250bps Total Capital Ratio uplift

Implementation and impact of 2026 hedge accounting

Contribution of Optima Leasing to loan expansion

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