Slides
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1Q 2025 Results 14 May 2025
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1Q 2025 results in a nutshell; strong start to the year aligned with the FY 2025 guidance ROTE Loans Deposits Capital 24.8% €4.0bn CET1 * 13.42% Loans Δ +42% YoY €1.2bn €4.8bn Depos Δ +43% YoY €1.4bn 2 Net Profit €39.0mn +19% YoY Asset Quality 0.90% NPEs *Capital ratio incorporates period profits, dividend provision and Basel 4 first time adoption impact ’24 DPS €0.57 +30% Y oY
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Income statement Double digit growth in NII and fees and disciplined costs underpin 19% growth in net profits KPIs €mn 3 1Q 2025 4Q 2024 1Q 2024 QoQ YoY NII 49.5 48.8 44.5 2% 11% Fees 12.1 12.1 9.8 0% 23% PPI 52.2 50.0 44.9 4% 16% Impairments 5.0 9.8 4.7 -49% 5% Net profit 39.0 32.0 32.7 22% 19% EPS (€) 0.53 0.43 0.44 22% 19% 1Q 2025 4Q 2024 1Q 2024 NIM 3.53% 3.73% 4.48% NFM 0.86% 0.92% 0.99% Cost to Core Income 26.3% 27.5% 26.0% CoR 0.52% 1.13%* 0.72% RoTE 24.8% 21.6% 25.4% Loans/Deposits 82.1% 77.8% 82.9% LCR 210.8% 251.4% 189.9% NSFR 125.8% 124.8% 124.0% €mn *0.39% on a recurring basis
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Gross Loans grew 42% YoY Robust loan generation in 1Q 2025 New loan disbursements €mn 4 €mn +21% +313+350 +245+269 +335 Optima bank +€1.2bn (+42% YoY) with market +€7.3bn (+6% YoY) 642 580 663 945 775 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 1,791 2,092 2,303 2,505 2,767 3,042 667 701 759 802 891 927 2,458 2,793 3,062 3,307 3,657 3,970 FY2023 1Q 2024 1H 2024 9M 2024 FY 2024 1Q 2025 Corporate Retail
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We kept a good pace in gathering deposits in a traditionally difficult quarter Time deposits share in the mixDeposits grew 43% YoY 5 Optima bank +€1.4bn (+43% YoY) with market +€9.3bn (+5% YoY) €mn 51% 55% 52% 58% 59% 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 +130+511 +417+384 +139 1,187 1,175 1,196 1,374 1,676 1,573 2,005 2,155 2,519 2,757 2,967 3,200 3,192 3,331 3,715 4,132 4,643 4,773 FY 2023 1Q 2024 1H 2024 9M 2024 FY 2024 1Q 2025 Corporate Retail
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Focus on expansion of assets under management pays off Optima mutual funds AuM +77% YoYTotal AuM at €4.3bn €mn The growth is mainly coming from the increase in the brokerage business and the increase in asset management/private banking 6 +21% €mn 141.4 102.9 5.7 250 1Q 2024 Inflows Valuation 1Q 2025 208 239 257 295 356521 579 635 616 566 2,691 2,697 2,910 3,045 3,200 145 166 166 195 1863,566 3,681 3,968 4,152 4,308 1Q 2024 1H 2024 9M 2024 FY 2024 1Q 2025 Mutual Funds Bonds Stocks Other
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The Balance Sheet expanded by 40% YoY Tangible Equity (€m)1Q 2025 assets grew 40% 7 1Q 2024 1Q 2025 Δ Cash & Cash at banks 414 842 428 Securities 722 748 26 Net Loans 2,763 3,920 1,157 Assets 4,069 5,686 1,617 Deposits 3,331 4,773 1,442 October 2023 share capital increase via IPO €mn 118 148 243 144 609 648 2020 2021 2022 2023 2024 1Q 2025 499
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8 Ample liquidity with zero ECB funding HQLAs 1Q 2025Strong Liquidity Metrics 82%83% 78%82% 79%LDR ECB/Assets €mn Cash & Cash at Central Bank 61% Government bonds 33% Other securities 6% €876mn 0%0% 0%0% 0% 628 827 946 1,131 876 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 189.9% 262.6% 263.0% 251.4% 210.8% 124.0% 128.8% 128.7% 124.8% 125.8% 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 LCR NSFR
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15.7% 2.51% 37.0% 4.9% 6.2% 3.0% 50% 24.8% 3.53% 26.3% 43% 42% 0.90% 0% Market* 9 ROTE NIM Cost to Core Income Depos Growth YoY Loan Growth YoY NPE ratio DTC/CET1 Optima bank Fastest growing and most efficient bank in Greece *average of the 4 Greek systemic banks as of 1Q 2025, deposits and loans growth refer to BoG data * * Source Factsheet EU peers @14.1%**
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10 Customer satisfaction at the core of our business model Consistently high NPS 12M rolling NPS (Net Promoter Score) 0 10 20 30 40 50 60 70 80 90 100 88.16 7.68 84.01 4.15 PromoterPassiveDetractor NPS measures the loyalty of customers to a company First developed in 2003 by Bain and Company Management Consultants Score from -100 to +100 According to Bain and Company: ▪ 0 – 50 = good ▪ > 50 - 80 = exceptional ▪ > 80 = “World Class” 2023 2024 2025
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Other key assumptions We reiterate our 2025 guidance We estimate 2025e net profit to be in excess of €160mn We target a ~€1.25bn increase in deposits We want to grow our net loan balances by ~€1.0bn 11 YE 2025 3M Euribor at 2% Cost to Core income <30% 2 new branches in 2025 Time depos ~50% NPE<1.5% ROTE>22% 24.8% >22%25.3%ROTE 4,643 4,773 5,900 FY 2024 1Q 2025 FY 2025 ~27% 3,613 3,919 4,600 FY 2024 1Q 2025 FY 2025 ~27% 140.2 39.0 >160 FY 2024 1Q 2025 FY 2025
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12 AGM approved a €0.57 dividend per share AGM main decisions • AGM approved a gross dividend of €0.57/share (pre- split) implying a net yield of 3.6% • Shareholders approved a 3-1 stock split • AGM also approved a share buyback scheme of up to €3mn in total cost at a price range of €1.15 - €8.00 (post split)
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Financial Analysis
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Fees grew 23% YoY Core income grew 14% at €61.6mn on the back of healthy growth in NII and fees €mn €mn 3.53%4.48%NIM 14 0.86%0.99%NFM NII grew 11% YoY 44.5 8.3 0.6 -5.1 1.3 49.5 1Q 2024 Loans Securities Deposits Other/Interbank 1Q 2025 9.8 1.0 1.1 0.2 12.1 1Q 2024 Loans/LGs MFs/Brokerage Other 1Q 2025
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1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 Loans 47.1 51.4 54.5 54.3 55.3 Fixed income 6.4 6.1 6.0 6.3 7.0 Deposits -10.7 -13.3 -15.6 -15.9 -15.8 CB & Interbank 1.9 3.0 4.9 4.2 3.2 Other -0.2 -0.2 -0.2 -0.2 -0.2 Total 44.5 47.0 49.6 48.8 49.5 NIM 4.48% 4.37% 4.20% 3.73% 3.53% 15 NII +11% YoY despite falling rates €mn NII Breakdown +18% YoY Loan income Δ coming from: • -€9.5mn due to rates, • -€0.1mn due to spreads, • -€0.6mn due to Feb. day-count, • +€18.4mn due to volumes
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1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 Loans 2.2 1.8 2.4 3.0 2.6 LGs 3.2 3.0 3.3 3.6 3.9 Brokerage 2.2 2.1 1.9 2.9 2.8 Mutual Funds 0.9 0.9 1.0 1.0 1.4 Other 1.3 1.5 1.5 1.6 1.5 Total 9.8 9.3 10.2 12.1 12.1 NFM 0.99% 0.87% 0.86% 0.92% 0.86% 16 Fees grew 23% YoY with all lines increasing in the double digits, led by mutual funds €mn NFI Breakdown +53% YoY • Mutual funds fees strongly higher on the back of 71% higher balances • Loans/LGs up in the high double digits following another quarter of strong credit expansion
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17 Cost efficiency remains top class Operating expenses 590512 575535 549 2928 2928 29 FTEs (#) Branches (#) *2Q 2024 G&A includes €1.4mn positive one-off item €mn Cost to core income 7.4 7.5 8.0 9.8 8.7 4.9 3.0 4.5 4.6 5.4 1.9 2.1 2.0 2.3 2.2 14.1 12.5 14.5 16.7 16.2 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 Staff costs G&A costs Depreciation 26.0% 24.7% 24.3% 27.5% 26.3% 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025
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Balance sheet structure Liabilities & Equity €mn Assets €mn 18 298 582116 260719 746 2,763 3,920 176 178 1Q 2024 1Q 2025 Other Net Loans Securities Due from Banks Cash 659 543 143 82 4,773 3,331 110 113 1Q 2025 1Q 2024 Other liabilities Deposits Due to banks Equity 4,0695,6864,069 5,686
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Loan book structure and rates Gross loans breakdown 1Q 2025Loan book rate 19 Pass-through rate at 90% 5.82% 6.49% 6.91% 7.05% 7.06% 6.95% 6.74% 6.26% 5.69% 1Q 2023 2Q 2023 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 3.6% 0.8% 3.4% 4.4% 5.4% 7.9% 9.0% 9.5% 9.8% 12.6% 14.7% 18.9% Mortgages Consumer Finance/insurance Technology Logistics Construction F&B/Tourism Manufacturing Real estate Trade Energy Other Pass-through rate is calculated as the delta of the loan book rate over a certain period divided by the delta of the average 3M Euribor over the same period
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Loan book breakdown WholesaleRetail 20 SMEs - Term 23% Large Corporates - Term 36% Large Corporates - Revolving 27% SMEs - Revolving 15% €3,042mn BB - Term 54% BB - Revolving 27% Mortgages 15% Other/Consumer 3% €927mn
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Deposit mix and rates Deposits movementDeposits mix 21 Deposits rate Retail, Demand; 29% Corporate, Demand; 12% Corporate, Time; 21% Retail, Time; 39% €4,773mn 3,331 86 311 227 818 4,773 1Q 2024 Corporate, Demand Corporate, Time Retail, Demand Retail, Time 1Q 2025 0.15% 0.21% 0.49% 0.86% 1.15% 1.30% 1.43% 1.63% 1.68% 1.62% 1.47% 3Q 2022 4Q 2022 1Q 2023 2Q 2023 3Q 2023 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2023 1Q 2025 Deposit Beta 49% Deposit beta is calculated by dividing the average deposit rate with the average 3M Euribor rate of a specific period
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Well diversified securities book Breakdown per classificationSecurities book mix 22 Securities over assets GGBs 10% T-Bills 15% Other sovereigns 27% Other non sovereings 47% €746mn FVTPL 28% OCI 5%AMOC 67% €746mn 18% 13% 13% 13% 13% 1Q 2024 1H 2024 9M 2024 FY 2024 1Q 2025
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Asset Quality
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24 NPEs remain subdued with CoR aligned with guidance Cost of Risk 5272 11333 45(bps) 39* 4.7 2.4 3.6 9.8 5.0 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 *Recurring cost of risk NPE ratio literally unchanged 1.11% 1.03% 0.92% 0.85% 0.90% 1Q 2024 1H 2024 9M 2024 FY 2024 1Q 2025
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25 Stage 3 cash coverage further increased to 55% Stage 3 coverage NPE buckets 141%1Q 2025 Total LLR/NPEs 34% 28% 30% 48% 55% 87% 139% 139% 149% 134% 121% 167% 169% 197% 189% 1Q 2024 1H 2024 9M 2024 FY 2024 1Q 2025 Cash coverage (Stage 3 provisions/stage 3) Stage 3 collaterals/stage 3 0 dpd 14% 1-89dpd 40% >90dpd 46% €35.6mn
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Capital
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27 Rise in the loan book and Basel IV drives RWA growth RWA densityTCR trajectory RWA evolution A Tier 2 capital instrument of ~€150mn is planned in 2025 in order to enhance the capital efficiency of the bank, support its growth and cover the new minimum capital threshold of 14.06% *Capital ratios incorporate period profits and dividend provision 3,092 1,369 -32 3 4,433 1Q 2024 Credit Market Operational 1Q 2025 €mn 76% 72% 71% 72% 74% 1Q 2024 1H 2024 9M 2024 FY 2024 1Q 2025 Basel 4 impact 78% 4% 14.25% 0.98% -0.29% -0.89% 14.04% -0.62% 13.42% FY 2024 Organic Dividend RWAs 1Q 2025 ex-B4 Basel 4 1Q 2025
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Sustainability
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29 01 02 03 04 Intergrate ESG into our Operating Model Facilitate Sustainable Investment Manage our impact across the ESG spectrum Support the transition to sustainable business models Sustainability strategy aims to… 05 Uphold prudent and transparent governance Articulation of a detailed sustainability strategy Align with our Stakeholders’ expectations Investors & Shareholders EmployeesCustomers and Clients Suppliers & Partners Government & Regulatory Authorities Society & Local Communities
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Our Targets Our Ambition Sustainability strategy ✓ 100% renewable energy in our own operations, by 2026 ✓ 100% replacement of conventional vehicles with electric or plug-in hybrid electric vehicle (PHEV) of bank's fleet by 2030 ✓ 34% reduction of Scope 1 location-based emissions by 2030 ✓ 25% reduction in paper consumption by 2026 ✓ Financed emissions measurement Support energy transition Create value for people and the society Maintain sound governance model ✓ 50% of women employees by 2026 ✓ 40% of women in managerial positions by 2026 ✓ Maintain NPS> 80 ✓ Enhance cybersecurity and personal data protection ✓ Embed ESG criteria in our remuneration and Risk management policies ✓ Sustainability training for employees ✓ Provide transparent information to our stakeholders ✓ Zero tolerance to bribery incidents and full compliance with anti-corruption regulations
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31 Our sustainability performance ✓ 29% Renewable Energy Consumption (based on energy suppliers’ energy mix) ✓ 69.5% Hybrid & electric cars of the total ✓ Green Asset Ratio: 1.3% (turnover)/ 2.5% (CAPEX) ✓ 11% of total loans in Renewables ✓ 49% women representation ✓ 37% women in managerial positions ✓ NPS at 84.0 ✓ Zero incidents of data breach Driven for a more sustainable world Energy transition Create value for people and the society Governance model ✓ Updated Sustainability governance ✓ 1st sustainability statement publication (in accordance with CSRD regulation) ✓ Sustainable Development policy development ✓ Sustainability related training to BoD and ExCo Members ✓ Inclusion in ATHEX ESG Index
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Appendix
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33 Income Statement in EURmn 4Q 2023 1Q 2024 2Q 2024 3Q 2024 4Q 2024 1Q 2025 Net interest income 43.3 44.5 47.0 49.6 48.8 49.5 Net fee and commission income 9.6 9.8 9.3 10.1 12.1 12.1 Core Income 52.8 54.3 56.3 59.8 60.8 61.6 Other income 1.1 0.5 1.4 0.9 0.9 2.5 Trading Income 4.0 4.2 4.7 5.9 5.0 4.3 Total Net Revenues 57.9 59.0 62.5 66.5 66.7 68.4 of which one offs - - - - - - Staff Costs -10.6 -7.4 -7.5 -8.0 -9.8 -8.7 G&A Costs -5.6 -4.9 -3.0 -4.5 -4.6 -5.4 Depreciation -2.2 -1.9 -2.1 -2.0 -2.3 -2.2 Total Operating costs -18.5 -14.1 -12.5 -14.5 -16.7 -16.2 Pre-Provisions Income 39.5 44.9 49.9 52.0 50.0 52.2 Pre-Provisions Income adj. 43.1 44.9 48.5 52.0 50.0 52.2 Core Pre-Provision Income 34.4 40.2 43.8 45.2 44.1 45.4 Profit from Associates -0.2 0.0 0.1 0.0 0.2 - Impairments -1.2 -4.7 -2.4 -3.6 -9.8 -5.0 Profit before Tax 38.1 40.2 47.7 48.4 40.4 47.2 Income tax -7.2 -7.4 -11.4 -9.3 -8.3 -8.2 Non Controlling Interests 0.0 0.0 0.0 0.0 0.0 0.0 Net profit attributable to shareholders 30.9 32.7 36.3 39.2 32.0 39.0
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34 Income Statement in EURmn FY 2023 1Q 2024 1H 2024 9M 2024 FY 2024 1Q 2025 Net interest income 142.2 44.5 91.5 141.1 189.9 49.5 Net fee and commission income 32.1 9.8 19.1 29.3 41.3 12.1 Core Income 174.3 54.3 110.6 170.4 231.2 61.6 Other income 2.1 0.5 2.0 2.8 3.7 2.5 Trading Income 16.6 4.2 8.9 14.8 19.8 4.3 Total Net Revenues 193.0 59.0 121.5 188.0 254.7 68.4 of which one offs 0.6 - - - - - Staff Costs -30.4 -7.4 -14.8 -22.9 -32.6 -8.7 G&A Costs -19.2 -4.9 -7.8 -12.3 -16.9 -5.4 Depreciation -7.3 -1.9 -4.0 -6.0 -8.3 -2.2 Total Operating costs -56.9 -14.1 -26.6 -41.2 -57.9 -16.2 Pre-Provisions Income 136.0 44.9 94.8 146.9 196.8 52.2 Pre-Provisions Income adj. 141.3 44.9 93.4 145.5 195.4 52.2 Core Pre-Provision Income 117.4 40.2 84.0 129.2 173.3 45.4 Profit from Associates -0.2 - 0.1 0.1 0.3 - Impairments -9.9 -4.7 -7.2 -10.7 -20.6 -5.0 Profit before Tax 125.9 40.2 87.8 136.3 176.6 47.2 Income tax -22.9 -7.4 -18.8 -28.1 -36.4 -8.2 Non Controlling Interests 0.0 0.0 0.0 0.0 0.0 0.0 Net profit attributable to shareholders 103.0 32.7 69.0 108.2 140.2 39.0
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35 Balance Sheet in EURmn FY 2023 1Q 2024 1H 2024 9M 2024 FY 2024 1Q 2025 Cash & Cash at C.B. 605 414 759 847 969 842 Securities 676 719 601 634 726 746 Net Loans 2,431 2,764 3,029 3,272 3,613 3,920 PP&E 11 11 10 10 11 10 Intangible Assets 11 11 11 10 11 11 RoU assets 20 22 18 19 20 20 DTA 8 8 7 8 10 11 Other Assets 106 125 92 120 182 126 Total Assets 3,868 4,069 4,529 4,921 5,541 5,686 Due to C.B. and due to Banks 81 82 95 115 116 143 Deposits 3,192 3,331 3,715 4,132 4,643 4,773 Lease Liabilities 21 20 20 21 21 21 Other Liabilities 64 93 151 65 141 89 Total Liabilities 3,358 3,526 3,981 4,332 4,921 5,026 Share Capital 254 254 254 255 255 255 Total Equity 510 544 548 588 620 659 Total Liabilities & Equity 3,868 4,069 4,529 4,921 5,541 5,686
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Macro environment is supportive The avg. CPI in March 2025 compared with March 2024, increased by 2.4%. In March 2024, the 12M rolling annual rate of change of the CPI was 2.6%. Unemployment – March 2025 CPI Jan 2022 - March 2025 According to recent data published by the Bank of Greece, the growth rate of the Greek economy in 2025 is estimated at 2.3%, accelerating marginally to 2.1% in 2026 and decreasing to 2.0% in 2027. GDP Jan 2022 – 4Q 2024 Latest BoG projections (4/2025) 36 1.9%3.5% 5.3% 7.1% 9.2% 9.6% 9.2% 7.8% 5.5% 4.7% 3.5% 2.9% 2.8% 2.8% 3.0% 2.70% 2.60% Jan 22 Feb 22 Mar 22 Apr 22 May 22 Jun 22 Jul 22 Aug 22 Sep 22 Oct 22 Nov 22 Dec 22 Jan 23 Feb 23 Mar 23 Apr 23 May 23 Jun 23 Jul 23 Aug 23 Sep 23 Oct 23 Nov 23 Dec 23 Jan 24 Feb 24 Mar 24 Apr 24 May 24 Jun 24 Jul 24 Aug 24 Sep 24 Oct 24 Nov 24 Dec 24 Jan 25 Feb 25 Mar 25 Average 2024: 2.7% Source: Hellenic Statistical Authority 2.7% 5.7% 1Q 20 2Q 20 3Q 20 4Q 20 1Q 21 2Q 21 3Q 21 4Q 21 1Q 22 2Q 22 3Q 22 4Q 22 1Q 23 2Q 23 3Q 23 4Q 23 1Q 24 2Q 24 3Q 24 4Q 24 Nominal GDP Real GDP 17.6% 15.6% 12.3% 14.4% 12.8% 12.0% 12.5% 11.8% 11.9% 10.7% 12.6% 10.3% 9.60% 9.50% 9.80% Feb 21 Apr 21 Jun 21 Aug 21 Oct 21 Dec 21 Feb 22 Apr 22 Jun 22 Aug 22 Oct 22 Dec 22 Feb 23 Apr 23 Jun 23 Aug 23 Oct 23 Dec 23 Feb 24 Apr 24 Jun 24 Aug 24 Oct 24 Dec 24 Feb 25 2023 2024f 2025f 2026f 2027f Real GDP (%) 2.3 2.3 2.3 2.1 2.0 Inflation (%) 4.2 3.0 2.9 2.3 2.5 Unemployment (%) 11.1 10.1 9.9 9.2 8.6
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37 Positive outlook for the Greek economy Greek economic sentiment indexGreek sovereign ratings ATHEX Exchange | General Index Latest credit ratings Outlook Last upgrade: 12/2023 BBB- Stable (11/2024) Last upgrade: 4/2025 BBB Stable (4/2025) Last upgrade on 9/2023 BBB (low) Stable (3/2025) Last upgrade on 12/2024 BBB Stable (12/2024) Last upgrade on 3/2025 Baa3 Stable (3/2025) Last upgrade: 7/2023 BBB- Stable (7/2023) 107.7 Mar 19 May 19 Jul 19 Sep 19 Nov 19 Jan 20 Mar 20 May 20 Jul 20 Sep 20 Nov 20 Jan 21 Mar 21 May 21 Jul 21 Sep 21 Nov 21 Jan 22 Mar 22 May 22 Jul 22 Sep 22 Nov 22 Jan 23 Mar 23 May 23 Jul 23 Sep 23 Nov 23 Jan 24 Mar 24 May 24 Jul 24 Sep 24 Nov 24 Jan 25 Mar 25 936.15 1,469.67 1,685.24 01/01/23 01/04/23 01/07/23 01/10/23 01/01/24 01/04/24 01/07/24 01/10/24 01/01/25
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38 Glossary Adjusted net profit: Net profit/loss adjusted after adding back one off expenses or deducting one off revenues Basic Earnings per share (EPS): Net profit attributable to ordinary shareholders divided by the weighted average number of shares Common Equity Tier 1 (CET1): Common Equity Tier I regulatory capital as defined by Regulation (EU) No 575/2013 as in force. based on the transitional rules for the reported period. divided by total Risk Weighted Assets (RWA) Core operating income: The total of net interest income. net banking fee and commission income and income from non banking services Cost to core income ratio: Total operating expenses divided by total core operating income. Cost to Income ratio: Total operating expenses divided by total operating income Cost of Risk (CoR): Impairment charge in the P&L, annualized, divided by the average gross loans over the period Earnings per share (EPS) underlying: Net profit attributable to ordinary shareholders excluding one off items, divided by the number of shares that resulted post the latest share capital increase Fees and commissions: The total of net banking fee and commission income and income from non banking services of the reported period Fully Loaded Common Equity Tier 1: Common Equity Tier I regulatory capital as defined by Regulation (EU) No 575/2013 as in force without the application of the relevant transitional rules for the reported period. divided by total Risk Weighted Assets (RWA) Gross Loans: Loans and advances to customers at amortised cost before expected credit loss allowance for impairment on loans and advances to customers at amortized cost and Loans and advances to customers mandatorily measured at FVTPL Liquidity Coverage Ratio (LCR): total amount of high-quality liquid assets over the net liquidity outflows for a 30-day stress period Loans to Deposits ratio (L/D): Loans and advances to customers at amortised cost divided by due to customers at the end of the reported period Impairments on loans: Impairment charge for expected credit loss
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39 Disclaimer This is a presentation of an exclusively informative nature, intended to provide general information about the Bank. Your participation in any way in an event at which the presentation is shown or your access to it in any other way constitutes an acknowledgment that you have read the terms hereof, which you understand and accept. This statement covers the presentation, as well as any related material, oral or written information, comments, analyses, questions and answers related to it and the information contained therein. The Bank takes appropriate measures in order to ensure that the content herein is true and accurate, however it does not make any warranty statement, does not provide a guarantee and does not undertake any commitment as to the completeness, accuracy, adequacy and impartiality of the information included in this information. No item or information listed herein is and cannot be taken, directly or indirectly, as such a statement or guarantee by the Bank. Information herein (including market data and statistics) may be derived from publicly available sources that have not been independently verified, and forecasts, valuations and statistical analyzes are based on subjective estimates and assumptions and may use alternative methodologies that produce different results. The information contained herein does not take into account individual circumstances, investment objectives, financial ability, experience and knowledge and, therefore, in no way constitutes or may be construed, directly or indirectly, as a proposal or solicitation for carrying out transactions on the Bank's shares, nor as a recommendation or advice for making relevant investment decisions. Before making any investment decision, please do your own research, analysis and confirmation of the information herein and seek independent legal, tax and financial advice from professionals. Statements, estimates and forecasts concerning mainly the Bank's strategy, business objectives and development, the results of operations and its financial position, the evolution of the Bank's branches of activity, as well as in general the economic and other conditions in Greece and abroad, are based on the Bank's current view, based on information available to it at the time of writing and reflect current expectations and assumptions regarding future events and circumstances which, however, may not be verified. These statements are not guarantees of future performance and contain many risks, uncertainties, general and specific and assumptions that are difficult to predict by the Bank and are beyond its control. You should not, therefore, rely on these statements, estimates and forecasts. The Bank does not undertake any responsibility to update or revise the statements herein, unless otherwise required by applicable law.
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Contact information 32 Aigialeias & Paradeisou str. Maroussi Athens 15125 Greece OPTIMAr.AT OPTIMA GA ISIN: GRS533003000 www.optimabank.gr George Doukas, IRO gdoukas@optimabank.gr Kostantinos Vatousis, Head of Strategy & IR kvatousis@optimabank.gr