The dividend distribution and exceeding the targets set for 2024 were the two main points of the analysts' briefing by Optima Bank's management.

As CEO Dimitris Kyparissis stressed, "we will reach the annual target for net profit of over €134 million and return on equity above 2024, and we will exceed it. At the same time, we are committed to distributing a 30% dividend from this year's earnings. He added that "one year after our listing on the Athens Stock Exchange, we are in an even better position and on a steady growth path in all our sectors.". 

LOANS 

Mr. Kyparissis said that the bank is strengthening its loan portfolio faster than the rate of interest rate reduction, which means that no matter how much interest income is affected, the interest margin will increase. On red loans, Optima Bank's CEO stressed that "it is our top priority to ensure the quality of our portfolio, as we maintain the lowest NPL ratio in the domestic Greek system.". Recall that the coverage ratio reached 169%, while in Q3 the NPL ratio reached 0.92%, compared to 1.03% in Q2 2024.

THE COMPARISON

The bank's management placed particular emphasis on comparing Optima with its banking system competition, citing several indicators. In particular: 

• Optima bank has an ROTE ratio of 26.8%, compared to 17.2% of the Greek market and 14% of the European market
• The interest margin is 4.28%, compared to 2.75% of other domestic banks -
• The expense-to-core income ratio decreased to 25% in the nine months, compared to 32.6% in the banking market.
• Its deposits grew by 32% year-on-year Its loan portfolio strengthened by 48%, when the average for domestic banks is 1.5% and 1.3%, respectively.
•  The red loan ratio stood at 0.9% for Optima, compared to 3.5% for other banks