Impressive rise to all basic indicators recorded by Optima Bank in the first half with +18% in clean profits+40% in deposits and +39% on loans, as the bank announced today (1.8.25).
According to a statement, Optima Bank continues its upward trend in its profits, recording impressive performance in the first half of 2025. The financial results clearly reflect its steady dynamics in the Greek market, as well as the confidence it enjoys. Staying committed to creating a different bank experience – simple, friendly and effective – Optima Bank is constantly investing in innovative technological solutions.
Strong rise to deposits and loans
Deposits recorded a dramatic increase in € 1.5 billion, reaching € 5.2 billion, up 40% compared to the first half of 2024.
The course of the loans was also similar:
- Total disbursements reached € 1.7 billion, recording the highest six -month amount in the Bank’s history (+41% on an annual basis).
- The net loan balances were raised by € 1.2 billion, stood at € 4.2 billion (+39% against the first semester 2024).
Historically high profitability
Despite the reduction in interest rates, the bank recorded net profit of € 81.1 million, up 18% compared to € 69 million in the corresponding period last year. This is the highest six -month profitability in the Bank’s history.
It is noteworthy that at a quarterly level, in the second quarter of 2025, it recorded net profit of € 42.1 million, a performance that is a new historical record.
Efficiency and strong indicators
The bank’s efficiency remained at particularly high levels:
- Performance of Handsmithing Same Funds (ROTE): 25.8%
- Expection Index to Basic Revenue: 25.5%
- NPE index: 1.48% the lowest in the market
The above confirms the functional effectiveness and healthy development of Optima Bank.
Strengthening Capital Base – International Confidence
An important milestone was the issuance of a reduced securing bond (Tier II) of € 150 million in June 2025, which was overwhelmed by 11 times. Intense demand highlighted the confidence of the international investment community in the business model and the bank’s strategy.
Performance to shareholders
In return for shareholders’ confidence, the bank distributed a dividend (0.57 €/share) increased by 30% compared to 2024.
Widening of physical presence
The bank continued on the basis of its planning, the expansion of its natural network, launching its 30th store on July 7, in Komotini, an extremely important national decision.
The President of Optima Bank, Mr. George Taniskidishe said: “6 years ago we started the operation of our bank with a dream and goals to see it grow, consolidate in the market and recognized as a reference bank in our industry. Our current financial results for the first half of 2025 prove that our dreams come true and our dreams come true. The goodwill they are looking for from their investment and our people a stable and growing working environment. ”
The CEO, Mr. Dimitris Kyparissis, added: “We are pleased to announce impressive economic results again. The steady and continuous development of all our sizes is not accidental. It is a result and the natural consequence of our strategy. We are optimistic with dedication to our vision of providing the best bank experience. “