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Optima bank (OPTIMA) investor relations material
Optima bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary11 Nov, 2025
Executive summary
Net profit for 9M 2025 reached €123.4mn, up 14% year-over-year, driven by strong loan and deposit growth, robust commercial momentum, and fee income.
Core income rose 14% to €193.6mn, supported by robust loan growth, deposit inflows, and fee generation.
Return on Tangible Equity (ROTE) was 25.3%, reflecting high profitability and efficient capital deployment.
Recognized as the best commercial bank in Greece for 2025 by International Banker, highlighting operational excellence and customer satisfaction.
Financial highlights
Gross loans increased 34% year-over-year to €4.4bn, with €0.8bn growth year-to-date and new disbursements of €2.5bn, primarily to corporates.
Deposits surged 37% year-over-year to €5.6bn, with €1bn growth year-to-date and a 9% increase quarter-on-quarter.
Net interest income (NII) grew 9% year-over-year to €153.4mn; net fee income rose 45% to €40.2mn.
Total assets expanded 37% year-over-year to €6.7bn.
Cost to core income ratio at 25.2%, reflecting strong cost efficiency and nearly flat year-over-year.
Outlook and guidance
On track to exceed FY 2025 guidance, targeting net profit over €160mn and ROTE above 22%.
Loan and deposit growth expected to reach €1.0bn and €1.25bn respectively for FY 2025.
NPE ratio expected to remain below 1.5%, with cost to core income under 30%.
Continued focus on digital transformation, risk management, and customer experience to sustain long-term growth.
NIM outlook given rate environment & capital issue
What caused the 9M 2025 NPE ratio increase?
Operating expense growth drivers and future control
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Q4 20255 Mar, 2026
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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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