“Optima Bank will continue to grow organically, drawing on its capital position and without needing a capital increase,” the bank’s chief executive, Dimitris Kyparissis, said earlier at an analyst briefing on its financial results. He added: “The bank’s priorities of growing its business, satisfying customers and increasing shareholder value remain the key pillars of its business model.”
According to Optima Bank’s management, the bank is growing its business volumes — loans, deposits, asset management and mutual funds — faster than its competitors, while its efficiency is also higher than theirs.
Guidance
The target of €1.3bn in net loan growth in 2026 remains achievable, with a significant proportion of it — more than 70% — already achieved. “We are not officially changing the target, but based on performance so far, we expect to come in higher,” Mr Kyparissis said.
Spreads
The spread on the bank’s loans, 95% of which are corporate loans (4% mortgages and 1% loans in other categories), stands at 3.9%. Any changes in interest rates will be passed through to pricing.
Regarding Euroxx, the integration is expected to be completed in the second quarter of 2027. The impact on Optima’s capital is estimated at 50 basis points, below the initial estimate of 55 basis points, which was based on Euroxx’s results for the 2025 financial year.