ΤΡΑΠΕΖΑ OPTIMA BANK A.E. financials
ΤΡΑΠΕΖΑ OPTIMA BANK A.E.
Country: GR Reporting currency: EUR Latest annual report: 2024-12-31
LEI:
2138008NSD1X1XFUK750 Financial statements
(EUR, as reported — unscaled; 119 line items across 2 annual periods)
| Line item | 2024 | 2023 |
|---|---|---|
| Income statement | ||
| Other income | €23.5M | €18.6M |
| Operating expenses | €57.9M | €56.9M |
| Employee benefits expense | €32.6M | €30.4M |
| Depreciation & amortisation | €8.3M | €7.3M |
| Operating profit (EBIT) | €196.8M | €136.0M |
| Profit before tax | €176.6M | €125.9M |
| Income tax expense | €36.4M | €22.9M |
| Profit for the year | €140.2M | €103.0M |
| — attributable to owners | €140.2M | €103.0M |
| — attributable to NCI | €2.0K | €2.0K |
| Total comprehensive income | €141.6M | €106.8M |
| Per share | ||
| Basic EPS | €1.90 | €1.93 |
| Diluted EPS | €1.90 | €1.93 |
| Free cash flow / share | €7.16 | €4.19 |
| Cash flow statement | ||
| Net cash from operating activities | €530.5M | €224.9M |
| Income taxes paid | €8.9M | €8.7M |
| Net cash from investing activities | -€128.9M | -€69.4M |
| Purchase of PP&E (capex) | €1.8M | €1.5M |
| Purchase of intangibles | €3.7M | €3.0M |
| Net cash from financing activities | -€38.2M | €137.1M |
| Dividends paid | €32.5M | €0 |
| Lease liability payments | €3.7M | €3.3M |
| Balance sheet | ||
| Total assets | €5.54B | €3.87B |
| Property, plant & equipment | €10.7M | €10.9M |
| Right-of-use assets | €19.6M | €19.5M |
| Cash & equivalents | €941.1M | €577.6M |
| Total equity | €620.3M | €510.1M |
| — attributable to owners | €620.3M | €510.1M |
| Non-controlling interests | €22.0K | €20.0K |
| Derived metrics | ||
| Free cash flow | €528.8M | €223.4M |
| Return on equity | 22.6% | 20.2% |
| Cash conversion ratio | 3.78× | 2.18× |
| Capex coverage | 300.41× | 151.37× |
| Other reported items | ||
| Adjustments For Decrease Increase In Financial Assets Held For Trading | €84.3M | -€116.8M |
| Adjustments For Decrease Increase In Loans and Advances To Banks | -€41.0K | -€5.8M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | -€1.20B | -€766.3M |
| Adjustments For Decrease Increase In Other Assets | -€87.4M | -€16.7M |
| Adjustments For Depreciation and Amortisation Expense | €8.3M | €7.3M |
| Adjustments For Dividend Income | €512.0K | €245.0K |
| Adjustments For Fair Value Gains Losses | -€9.0M | -€8.5M |
| Adjustments For Gains Losses On Change In Fair Value of Derivatives | €4.4M | -€8.8M |
| Adjustments For Increase Decrease In Deposits From Customers | €1.45B | €1.01B |
| Adjustments For Increase Decrease In Employee Benefit Liabilities | €184.0K | €225.0K |
| Adjustments For Increase Decrease In Other Liabilities | €60.2M | -€11.7M |
| Adjustments For Interest Expense | €728.0K | €751.0K |
| Adjustments For Provisions | €0 | -€29.0K |
| Adjustments For Sharebased Payments | €968.0K | €5.3M |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €349.0K | -€190.0K |
| Adjustments For Unrealised Foreign Exchange Losses Gains | -€61.0K | €3.0K |
| Cash and Bank Balances At Central Banks | €797.6M | €479.3M |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €2.0K | €0 |
| Cash Flows From Used In Operations Before Changes In Working Capital | €194.2M | €143.8M |
| Comprehensive Income Attributable To Noncontrolling Interests | €2.0K | €2.0K |
| Comprehensive Income Attributable To Owners of Parent | €141.6M | €106.8M |
| Current Tax Liabilities | €5.6M | €12.2M |
| Deferred Tax Assets | €9.7M | €8.1M |
| Derivative Financial Assets | €2.2M | €1.0M |
| Derivative Financial Liabilities | €5.3M | €8.5M |
| Dividends Received Classified As Investing Activities | €512.0K | €245.0K |
| Dividends Recognised As Distributions To Owners Per Share | €0.44 | — |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | €57.0K | -€67.0K |
| Equity and Liabilities | €5.54B | €3.87B |
| Fee and Commission Expense | €6.4M | €6.5M |
| Fee and Commission Income | €47.7M | €38.6M |
| Fee and Commission Income Expense | €41.3M | €32.1M |
| Financial Assets At Amortised Cost | €413.8M | €251.4M |
| Financial Assets At Fair Value Through Other Comprehensive Income | €47.4M | €86.5M |
| Financial Assets At Fair Value Through Profit Or Loss | €264.4M | €337.6M |
| Gain Loss Arising From Derecognition of Financial Assets Measured At Amortised Cost | €2.6M | €812.0K |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €20.6M | €9.9M |
| Income Tax Relating To Components of Other Comprehensive Income | €386.0K | €1.1M |
| Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income | €420.0K | €1.1M |
| Income Tax Relating To Remeasurements of Defined Benefit Plans of Other Comprehensive Income | -€34.0K | -€3.0K |
| Increase Decrease In Cash and Cash Equivalents | €363.5M | €292.6M |
| Increase Decrease Through Appropriation of Retained Earnings | €0 | €0 |
| Increase Decrease Through Conversion of Convertible Instruments | — | €0 |
| Increase Decrease Through Sharebased Payment Transactions | €968.0K | €5.3M |
| Increase Decrease Through Transactions With Owners | -€31.4M | €150.3M |
| Increase Decrease Through Transfers and Other Changes Equity | €0 | — |
| Increase Decrease Through Treasury Share Transactions | €136.0K | -€164.0K |
| Intangible Assets Other Than Goodwill | €11.4M | €10.8M |
| Interest Expense | €63.8M | €30.9M |
| Interest Paid Classified As Operating Activities | €2.0K | €371.0K |
| Interest Received Classified As Investing Activities | €16.4M | €8.0M |
| Interest Revenue Expense | €189.9M | €142.2M |
| Investments In Associates Accounted For Using Equity Method | €609.0K | €260.0K |
| Issue of Equity | — | €150.9M |
| Issued Capital | €254.5M | €254.2M |
| Lease Liabilities | €21.2M | €20.9M |
| Liabilities | €4.92B | €3.36B |
| Loans and Advances To Banks | €171.3M | €126.1M |
| Loans and Advances To Customers | €3.61B | €2.43B |
| Miscellaneous Other Operating Income | €579.0K | €1.0M |
| Other Assets | €179.5M | €105.8M |
| Other Comprehensive Income | €1.4M | €3.8M |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €1.9M | €5.0M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | -€152.0K | -€12.0K |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €1.5M | €3.8M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | -€118.0K | -€9.0K |
| Other Expense By Nature | €16.9M | €19.2M |
| Other Liabilities | €124.4M | €40.7M |
| Other Provisions | €4.2M | €2.4M |
| Payments For Share Issue Costs | €0 | €7.3M |
| Payments To Acquire Or Redeem Entitys Shares | €2.8M | €759.0K |
| Proceeds From Issuing Shares | €0 | €150.9M |
| Proceeds From Sale Or Issue of Treasury Shares | €2.9M | €595.0K |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €1.0K | €1.0M |
| Proceeds From Sales Or Maturity of Financial Instruments Classified As Investing Activities | €252.6M | €31.3M |
| Purchase of Financial Instruments Classified As Investing Activities | €392.9M | €105.4M |
| Recognised Liabilities Defined Benefit Plan | €1.0M | €692.0K |
| Reserve of Gains and Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income | -€1.5M | -€2.9M |
| Retained Earnings | €251.6M | €144.7M |
| Revenue and Operating Income | €254.7M | €193.0M |
| Revenue From Dividends | €512.0K | €245.0K |
| Revenue From Interest | €253.6M | €173.1M |
| Share Issue Related Cost | — | €7.3M |
| Share of Profit Loss of Associates Accounted For Using Equity Method | €349.0K | -€190.0K |
| Share Premium | €84.1M | €84.1M |
| Treasury Shares | €112.0K | €164.0K |
Methodology
Every line item above is a fact tagged in ΤΡΑΠΕΖΑ OPTIMA BANK A.E.'s annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.