Optima bank (OPTIMA) Q3 2025 earnings summary

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.