Slides
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9M 2025 Results 11 November 2025
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9M 2025 results snapshot-on track to deliver FY 2025 guidance Loans Deposits Capital €4.4bn TCR * 16.25% Loans Δ +34% YoY €1.1bn €5.6bn Depos Δ +37% YoY €1.5bn 2 Net Profit €123.4mn +14% YoY NPEs (%) *Capital ratio incorporates period profits, dividend provision and Basel 4 first time adoption impact ROTE 25.3% 1.43%
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NII +1% QoQ and 5% YoY +10% QoQ and 45% YoY Cost to core income at 25.2% At 3.34%, Optima’s 9M 2025 NIM stands ~1pp above the competition Cost of risk at 50bps with NPE ratio at 1.43% 9M 2025 ROTE at 25.3% 3 Resilient interest revenue Strong fee generation Cost efficiency Elevated NIM Contained CoR Focus on returns Key 9M 2025 highlights International recognition Best commercial bank in Greece 2025 by International Banker
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3Q 2025 2Q 2025 3Q 2024 QoQ YoY 9M 2025 9M 2024 YoY NII 52.2 51.7 49.6 1% 5% 153.4 141.1 9% Fees 14.7 13.3 10.1 10% 45% 40.2 29.3 37% Total revenues 72.4 71.9 66.5 1% 9% 212.7 188.0 13% Opex 16.6 16.0 14.5 3% 14% 48.9 41.2 19% PPI 55.8 55.9 52.0 0% 7% 163.9 146.9 12% Impairments 4.4 5.7 3.6 -23% 23% 15.1 10.7 41% Net Profit 42.3 42.1 39.2 0% 8% 123.4 108.2 14% 4 Solid performance driven by core income €mn Key P&L items
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3Q 2025 2Q 2025 9M 2025 9M 2024 NIM 3.22% 3.47% 3.34% 4.28% NFM 0.91% 0.89% 0.87% 0.89% Cost to core income 24.8% 24.6% 25.2% 25.0% Cost of Risk 0.41% 0.56% 0.50% 0.50% RoTE 25.3% 26.0% 25.3% 26.8% Loans/deposits 77.3% 80.7% 77.3% 79.2% Total Capital 16.25% 16.40% 16. 25% 15.58% 5 Strong KPIs, well above domestic peers Key performance indicators
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Gross loans grew 34% YoY; +€0.8bn y-t-d Gross loans up by 34% YoY Loan disbursements €mn 6 €mn Optima bank +€1.1bn (+34% YoY) with market +€7.2bn (+6.0% YoY) +313+350+245+269 +276Δ 2,303 2,505 2,767 3,042 3,219 3,386 759 802 891 927 1,027 1,042 3,062 3,307 3,657 3,970 4,245 4,428 1H 2024 9M 2024 FY 2024 1Q 2025 1H 2025 9M 2025 Corporate Retail +183 +6.5% CAGR +8.0% CAGR 663 945 775 937 746 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025
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Strong deposits inflows continued in Q3 Time deposits share in the mixDeposits grew 37% YoY; +€1bn y-t-d 7 Optima bank +€1.5bn (+37% YoY) with market +€10.4bn (+5.3% YoY) 51% 55% 52% 58% 59% 55% 55% 1Q 2024 1H 2024 9M 2024 FY 2024 1Q 2025 1H 2025 9M 2025 €mn +9.3% CAGR +7.4% CAGR1,196 1,374 1,676 1,573 1,609 1,713 2,519 2,757 2,967 3,200 3,584 3,935 3,715 4,132 4,643 4,773 5,192 5,648 1H 2024 9M 2024 FY 2024 1Q 2024 1H 2024 9M 2025 Corporate Retail +129+512+416+385 +419Δ +456
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Asset gathering effort continues; AuM up by 29% YoY at €5.1bn Significant increase in Optima mutual funds inflows in 2025Total AuM* at €5.1bn; +€1bn y-t-d €mn 8 +29% *AuM incorporate valuation impact and net flows +95%€mn +156+183+287 +439Δ +388 Optima mutual funds +€0.1bn (+68% y-t-d) with market +€5.9bn (+26.7% YoY) 170.5 197.5 30.5 104.5 332.5 9M 2024 FY 2024 Valuation Net flows 9M 2025 257 295 356 415 487 2,910 3,045 3,200 3,756 4,141 801 812 752 576 507 3,968 4,152 4,308 4,747 5,135 9M 2024 FY 2024 1Q 2025 1H 2025 9M 2025 Mutual Funds Stocks Bonds and other
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9 Defensive balance sheet structure with solid liquidity metrics Strong Liquidity Metrics 846 324 975 4,368 207 Assets Other Net Loans Securities Due from Banks Cash 701 149 5,648 223 Liabilities & Equity Other liabilities Deposits Due to banks Equity Group balance sheet €mn 6,720 6,720 LCR 227% NSFR 136% L/D 77.3% ECB funding/assets 0%
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The Balance Sheet expanded by 37% YoY Tangible Equity (€m)9M 2025 assets grew 37% 10 9M 2024 9M 2025 Δ Cash & Cash at banks 847 1,171 324 Securities 634 975 340 Net Loans 3,272 4,368 1,097 Assets 4,921 6,720 1,800 Deposits 4,132 5,648 1,516 October 2023 share capital increase via IPO €mn€mn 118 148.0 243 355 609 690 144 2020 2021 2022 2023 2024 9M 2025 499
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14.6% 2.38% 37.0% 4.9% 9.8% 2.9% 46.5% 25.3% 3.34% 25.2% 36.7% 33.5% 1.43% 0% Market* 11 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 9M 2025 * * Source Factsheet EU peers @14.1%**
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12 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 89.27 7.66 86.20 3.07 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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+€0.8bn +€1.0bn €123.4mn 25.3% 1.43% 25.2% 13 Loan growth y-t-d Deposits growth y-t-d Net profit RoTE NPE ratio Cost to core income On track to deliver 2025 guidance +€1.0bn +€1.25bn >€160mn >22% <1.5% <30% 9M 2025 FY 2025 guidance 76% 80% 77%
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Volume growth continues profitably Culturally ingrained cost awareness supports efficiency Asset quality remains key focus Strong capital position High customer satisfaction On track to meet 2025 guidance 14 In sum
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Financial Analysis
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Fees grew 45% YoY 9M Core income grew 14% at €193.6mn on the back of strong loan growth, deposit tailwinds and strong fees €mn €mn 3.22%4.20%NIM 16 0.91%0.86%NFM NII grew 5% YoY 49.6 1.5 -0.8 1.6 0.4 52.2 3Q 2024 Loans Securities Deposits Other/Interbank 3Q 2025 10.2 1.2 2.5 0.8 14.7 3Q 2024 Loans/LGs Wealth mngt. Other 3Q 2025
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3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 Loans 54.5 54.3 55.3 56.6 56.0 Fixed income 6.0 6.3 7.0 6.7 5.1 Deposits -15.6 -15.9 -15.8 -14.0 -14.0 CB & Interbank 4.9 4.2 3.2 2.7 5.3 Other -0.2 -0.2 -0.2 -0.2 -0.2 Total 49.6 48.8 49.5 51.7 52.2 NIM 4.20% 3.73% 3.53% 3.47% 3.22% 17 Deposits tailwinds supported NII in Q3 €mn NII Breakdown
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3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 Loans 2.4 3.0 2.6 2.9 2.6 LGs 3.3 3.6 3.9 4.0 4.3 Brokerage 1.9 2.9 2.8 2.9 3.6 Mutual Funds 1.0 1.0 1.4 1.4 1.8 Other 1.5 1.6 1.5 2.2 2.4 Total 10.2 12.1 12.1 13.3 14.7 NFM 0.86% 0.92% 0.86% 0.89% 0.91% 18 Fees grew 45% YoY with most lines increasing in the double digits €mn NFI Breakdown +85% YoY Fees from mutual funds (+88% YoY) and the brokerage business (+83% YoY) the key drivers in Q3, fully aligned with our focus on affluent customers
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19 Cost efficiency remains top class Operating expenses 610549 605575 590 3029 2929 29 FTEs (#) Branches (#) €mn Cost to core income 8.0 9.8 8.7 8.9 9.1 4.5 4.6 5.4 4.9 5.2 2.0 2.3 2.2 2.3 2.2 14.5 16.7 16.2 16.0 16.6 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 Staff Costs G&A Costs Depreciation 24.3% 27.5% 26.3% 24.6% 24.8% 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025
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Balance sheet structure Liabilities & Equity €mn Assets €mn 20 731 846 116 324634 975 3,272 4,368 168 207 9M 2024 9M 2025 Other Net Loans Securities Due from Banks Cash 701 588 149 115 5,648 4,132 223 86 9M 2025 9M 2024 Other liabilities Deposits Due to banks Equity 4,9216,7204,921 6,720
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21 Ample liquidity with zero ECB funding HQLAs 9M 2025Strong Liquidity Metrics 77%79% 81%78% 82%LDR ECB/Assets €mn Cash & Cash at Central Bank 59% Government bonds 31% Other securities 4% €1,332mn 0%0% 0%0% 0% 827 946 1,131 876 1,136 1,332 1H 2024 9M 2024 FY 2024 1Q 2025 1Η 2025 9Μ 2025 263% 247% 229% 272% 227% 129% 127% 126% 133% 136% 9M 2024 FY 2024 1Q 2025 1H 2025 9M 2025 LCR NSFR
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Well diversified loan book Gross loans breakdown 9M 2025Loan book rate 22 *Households includes mortgages, consumer and margin loans 5.82% 6.49% 6.91%7.05%7.06%6.95% 6.74% 6.26% 5.69% 5.29% 4.89% 1Q23 2Q23 3Q23 4Q23 1Q24 2Q24 3Q24 4Q24 1Q25 2Q25 3Q25 5.8% 2.3% 4.1% 4.5% 5.6% 6.8% 6.9% 7.1% 10.0% 10.5% 11.0% 11.6% 13.8% Households General services Prof. activities IT Other Financial/insurance Transport and storage Construction Manufacturing Hospitality Real estate Trade Energy -1.1% QoQ +1.7% QoQ -1.1% QoQ -1.2% QoQ
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Loan book breakdown WholesaleRetail 23 SMEs - Term 24% Large Corporates - Term 34% Large Corporates - Revolving 28% SMEs - Revolving 14% €3,386mn BB - Term 53% BB - Revolving 27% Mortgages 16% Consumer/margin 4% €1,042mn BB: Business banking-companies with turnover of €2.5-7.5mn SME: Small and medium companies-companies with turnover of €7.5-50mn LC: Large corporate-companies with turnover in excess of €50mn
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Deposit growth driven primarily by retail time customers Deposits movementDeposits mix 24 Deposits rate Retail, Demand 31% Corporate, Demand 14% Corporate, Time 16% Retail, Time; 39% €5,648mn Deposit beta is calculated by dividing the average deposit rate with the average 3M Euribor rate of a specific period 4,132 117 222 456 722 5,648 9M 2024 Corporate, Demand Corporate, Time Retail, Demand Retail, Time 9M 2025 1.30% 1.43% 1.63% 1.68% 1.62% 1.47% 1.22% 1.07% FY 2023 1Q 2024 1H 2024 9M 2024 FY 2024 1Q 2025 1H 2025 9M 2025 Deposit beta 53% 70% 30%
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Well diversified securities book Breakdown per classificationSecurities book mix 25 Securities over assets GGBs 9% T-Bills 21% Other sovereigns 29% Other non sovereings 41% €975mn FVTPL 31% OCI 4%AMOC 65% €975mn 12.9% 13.1% 13.1% 12.8% 14.5% 9M 2024 FY 2024 1Q 2025 1H 2025 9M 2025
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Asset Quality
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27 Healthy balance sheet with broadly stable NPEs Cost of Risk 4145 56113 52(bps) 39* *Recurring cost of risk NPE/NPL ratio 3.6 9.8 5.0 5.7 4.4 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 0.92% 0.85% 0.90% 1.48% 1.43% 0.89% 0.43% 0.41% 0.46% 0.53% 9M 2024 FY 2024 1Q 2025 1H 2025 9M 2025 NPEs NPLs
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28 Almost half of NPEs at 0dpd Stage 3 coverage NPE buckets 0 dpd 45% 1-89dpd 18% >90dpd 37% €63.4mn 30% 48% 55% 34% 41% 139% 149% 134% 114% 116% 169% 197% 189% 149% 156% 9M 2024 FY 2024 1Q 2025 1H 2025 9M 2025 Cash coverage Collateral coverage
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Capital
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30 Organic capital generation offsets RWA growth TCR trajectory *Capital ratios incorporate period profits and dividend provision RWA density 71% 72% 78% 75% 74% 9M 2024 FY 2024 1Q 2025 1H 2025 9M 2025 13.25% -0.78% 13.24% 0.90% -0.27% 1H 2025 Organic Asset growth 9M 2025 pre- payout Dividend 9M 2025 CET1 CAD16.40% 16.25%16.52% T2
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Sustainability
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✓ Participation in UN Global Compact ✓ ATHEX ESG Index Inclusion ✓ Updated Sustainability governance ✓ 1st sustainability statement publication (in accordance with CSRD regulation) ✓ Sustainable Development policy development ✓ Sustainability related training to all employees 32 Our sustainability performance ✓ 29% Renewable Energy Consumption (based on energy suppliers’ energy mix) ✓ 75% Hybrid & electric cars of the total ✓ Green Asset Ratio: 1.3% (turnover)/ 2.5% (CAPEX) ✓ 10% of total loans in Renewables ✓ 49% women representation ✓ 36% women in managerial positions ✓ NPS at 86.20 ✓ Zero incidents of data breach Driven for a more sustainable world Energy transition Create value for people and the society Governance model
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Appendix
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34 Income Statement in EURmn 2Q 2024 3Q 2024 4Q 2024 1Q 2025 2Q 2025 3Q 2025 Net interest income 47.0 49.6 48.8 49.5 51.7 52.2 Net fee and commission income 9.3 10.1 12.1 12.1 13.3 14.7 Core Income 56.3 59.8 60.8 61.6 65.1 66.9 Other income 1.4 0.9 0.9 2.5 1.5 1.7 Trading Income 4.7 5.9 5.0 4.3 5.3 3.8 Total Net Revenues 62.5 66.5 66.7 68.4 71.9 72.4 of which one offs - - - - 1.0 Staff Costs -7.5 -8.0 -9.8 -8.7 -8.9 -9.1 G&A Costs -3.0 -4.5 -4.6 -5.4 -4.9 -5.2 Depreciation -2.1 -2.0 -2.3 -2.2 -2.3 -2.2 Total Operating costs -12.5 -14.5 -16.7 -16.2 -16.0 -16.6 Pre-Provisions Income 49.9 52.0 50.0 52.2 55.9 55.8 Pre-Provisions Income adj. 48.5 52.0 50.0 52.2 54.9 55.8 Core Pre-Provision Income 43.8 45.2 44.1 45.4 49.0 50.3 Profit from Associates 0.1 0.0 0.2 - - - Impairments -2.4 -3.6 -9.8 -5.0 5.7 4.4 Profit before Tax 47.7 48.4 40.4 47.2 50.1 51.4 Income tax -11.4 -9.3 -8.3 -8.2 8.0 9.1 Non Controlling Interests 0.0 0.0 0.0 0.0 0.0 0.0 Net profit attributable to shareholders 36.3 39.2 32.0 39.0 42.1 42.3
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35 Income Statement in EURmn 1H 2024 9M 2024 FY 2024 1Q 2025 1H 2025 9M 2025 Net interest income 91.5 141.1 189.9 49.5 101.2 153.4 Net fee and commission income 19.1 29.3 41.3 12.1 25.5 40.2 Core Income 110.6 170.4 231.2 61.6 126.7 193.6 Other income 2.0 2.8 3.7 2.5 4.0 5.7 Trading Income 8.9 14.8 19.8 4.3 9.6 13.4 Total Net Revenues 121.5 188.0 254.7 68.4 140.3 212.7 of which one offs - - - - 1.0 1.0 Staff Costs -14.8 -22.9 -32.6 -8.7 -17.5 -26.7 G&A Costs -7.8 -12.3 -16.9 -5.4 -10.3 -15.5 Depreciation -4.0 -6.0 -8.3 -2.2 -4.5 -6.7 Total Operating costs -26.6 -41.2 -57.9 -16.2 -32.3 -48.9 Pre-Provisions Income 94.8 146.9 196.8 52.2 108.1 163.9 Pre-Provisions Income adj. 93.4 145.5 195.4 52.2 107.1 162.9 Core Pre-Provision Income 84.0 129.2 173.3 45.4 94.4 144.8 Profit from Associates 0.1 0.1 0.3 - - - Impairments -7.2 -10.7 -20.6 -5.0 -10.7 -15.1 Profit before Tax 87.8 136.3 176.6 47.2 97.4 148.7 Income tax -18.8 -28.1 -36.4 -8.2 16.3 25.4 Non Controlling Interests 0.0 0.0 0.0 0.0 0.0 0.0 Net profit attributable to shareholders 69.0 108.2 140.2 39.0 81.1 123.4
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36 Balance Sheet in EURmn 1H 2024 9M 2024 FY 2024 1Q 2025 1H 2025 9M 2025 Cash & Cash at C.B. 759 847 969 842 1,091 1,171 Securities 602 637 728 748 800 975 Net Loans 3,029 3,272 3,613 3,920 4,190 4,368 PP&E 10 10 11 10 10 11 Intangible Assets 11 10 11 11 11 11 RoU assets 18 19 20 20 19 18 DTA 7 8 10 11 12 13 Other Assets 92 120 182 126 117 155 Total Assets 4,529 4,921 5,541 5,686 6,250 6,720 Due to C.B. and due to Banks 95 115 116 143 155 149 Deposits 3,715 4,132 4,643 4,773 5,192 5,648 Lease Liabilities 20 21 21 21 21 20 Other Liabilities 151 65 141 89 75 203 Total Liabilities 3,981 4,332 4,921 5,026 5,592 6,020 Share Capital 254 255 255 255 255 255 Total Equity 548 588 620 659 659 701 Total Liabilities & Equity 4,529 4,921 5,541 5,686 6,250 6,720
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Macro environment is supportive Unemployment – September 2025 CPI Jan 2022 - September 2025 GDP Jan 2022 – 2Q 2025 Latest BoG projections (9/2025) 37 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% 2.00% 3.10% 1.90% 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 May 25 Jul 25 Sep 25 Source: Hellenic Statistical Authority 1.7% 5.2% 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 1Q 25 2Q 25 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% 8.70% 8.00%8.20% 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 May 25 Jul 25 Sep 25 2023 2024f 2025f 2026f 2027f Real GDP (%) 2.3 2.3 2.2 1.9 2.1 Inflation (%) 4.2 3.0 3.1 2.6 2.4 Unemployment (%) 11.1 10.1 9.4 8.8 8.2 The avg. CPI in September 2025 compared with September 2024, increased by 1.9%. In September 2024, the 12M rolling annual rate of change of the CPI was 2.9%. According to recent data published by the Bank of Greece, the growth rate of the Greek economy in 2025 is estimated at 2.2%, accelerating to 1.9% in 2026 and increasing marginally to 2.1% in 2027.
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38 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- Positive (5/2025) Last upgrade: 4/2025 BBB Stable (10/2025) Last upgrade on 3/2025 BBB Stable (9/2025) Last upgrade on 12/2024 BBB Stable (5/2025) Last upgrade on 3/2025 Baa3 Stable (9/2025) Last upgrade: 10/2025 BBB Stable (10/2025) 106.2 Mar 19 Jun 19 Sep 19 Dec 19 Mar 20 Jun 20 Sep 20 Dec 20 Mar 21 Jun 21 Sep 21 Dec 21 Mar 22 Jun 22 Sep 22 Dec 22 Mar 23 Jun 23 Sep 23 Dec 23 Mar 24 Jun 24 Sep 24 Dec 24 Mar 25 Jun 25 Sep 25 936.15 1,469.67 2,034.22 01/01/23 01/05/23 01/09/23 01/01/24 01/05/24 01/09/24 01/01/25 01/05/25 01/09/25
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39 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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40 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 & ESG kvatousis@optimabank.gr 41