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Optima bank (OPTIMA) investor relations material
Optima bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary1 Aug, 2025
Executive summary
Net profit for 1H 2025 reached €81.1mn, up 18% year-over-year, with Q2 contributing €42.1mn, an all-time quarterly high.
Strong commercial momentum with robust growth in loans and deposits, supported by deep client relationships and volume growth across all business lines.
Launched a new leasing subsidiary and completed a €150mn Tier 2 capital issuance, both supporting strategic growth.
First-time Moody's rating received (A3/Ba1), three notches above market average, enhancing capital market visibility.
1H 2025 results are fully aligned with full-year 2025 guidance, supported by robust operational performance and disciplined financial management.
Financial highlights
Net interest income for 1H 2025 was €101.2mn, up 11% YoY; net fee income rose 33% YoY to €25.5mn.
Total revenues reached €140.3mn, up 16% YoY; pre-provision income grew 14% YoY to €108.1mn.
Cost to core income ratio remained low at 25.5% for 1H 2025.
NIM stood at 3.43% for 1H 2025, down from 4.36% in 1H 2024 due to lower Euribor.
Total assets grew 38% YoY to €6.25bn; tangible equity up 21% to €648mn.
Outlook and guidance
2025 net profit is estimated to exceed €160mn, with ROTE targeted above 22%.
Net loan balances expected to grow by €1.0bn and deposits by €1.25bn by year-end 2025.
Cost to core income ratio to remain below 30%, NPE ratio targeted below 1.5%.
Two new branches planned for 2025; time deposits expected to comprise ~50% of total.
Management remains confident in adapting to interest rate normalization and evolving macroeconomic conditions.
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Next Optima bank earnings date
Q3 202511 Nov, 2025
Next Optima bank earnings date
Q3 202511 Nov, 2025
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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).
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