At 39 million euros the profits her Optima Bank In the first quarter of 2025, compared to EUR 32.7 million in 2024, up 19%.
Specifically, according to the results announced by Optima Bank, in the first quarter of the year, net profit after tax amounted to EUR 39 million compared to EUR 32.7 million in the first quarter of 2024, up 19%. OR Performance of the Exalted Chapter (ROTE) The first quarter of 2025 stood at 24.8%. OR credit extension It continued unacceptable with loan disbursements, amounting to EUR 0.8 billion, 21% higher on an annual basis.
The loan balances They increased by € 1.2 billion (+42%) on a yearly basis and amounted to € 4 billion. The quality of the loan portfolio is maintained at extremely levels with the index of non -performing openings standing at 0.90%. The deposits increased by € 1.4 billion (+43%) on a yearly basis and amounted to € 4.8 billion.
The bank has a strong liquidity with 82%loan index, LCR (LCR) 211%and net funding index (NSFR) 126%. The dividend for the use of 2024 was set at € 0.57 per share, increased by 30%.
The net income interest They increased by 11% on an annual basis to EUR 49.5 million due to 42% of higher loan balances and durable loan margins. The net interest rate It stood at 3.53%, compared to 4.48% in the first quarter of 2024 mainly due to the fall of Euribor 3 months.
The net revenue from commissions They increased by 23% on an annual basis to EUR 12.1 million, due to the increase in loan work and the increase in capital management supplies.
The operating expenses It was 15% higher on an annual basis at € 16.2 million. The staff expenses were 18% higher on an annual basis, while the generally and administrative expenses were 11% higher on an annual basis. The ratio ratio to basic revenue decreased to 26.3% from 26.0% in the first quarter of 2025. The risk cost was 52 -residents compared to 72 -base bases in the corresponding period last year.
Optima Bank CEO, Dimitris Kyparissis, said: “Despite international turmoil and the danger of a trade war that may hit global economies, the Greek economy remains on a healthy track with analysts expecting an increase in upper GDP2% for 2025. In this environment, Optima Bank had another good quarter as we were increasing. With these results we are on the right track to achieve our goal of profitability of more than € 160 million. We are distinguishing strong demand for loans from our clientele and we have created a series of funding projects that will allow us to continue to increase our market share. In this environment, we intend to further strengthen our capital adequacy by issuing a Tier 2 bond by the end of the 2nd quarter 2025. Strengthening the capital base will allow us to continue to expand our presence in the Greek market while maintaining high yields for our shareholders. ”