Optima bank Balance Sheet Health
Financial Health criteria checks 6/6
Optima bank has total assets of €4.9B and total equity of €588.0M. Total deposits are €4.2B, and total loans are €3.3B.
Key information
8.4x
Asset to equity ratio
n/a
Net interest margin
Total deposits | €4.16b |
Loan to deposit ratio | Appropriate |
Bad loans | 0.9% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | €211.31m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: OPTIMA's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: OPTIMA has a sufficient allowance for bad loans (116%).
Low Risk Liabilities: 96% of OPTIMA's liabilities are made up of primarily low risk sources of funding.
Loan Level: OPTIMA has an appropriate level of Loans to Assets ratio (67%).
Low Risk Deposits: OPTIMA's Loans to Deposits ratio (79%) is appropriate.
Level of Bad Loans: OPTIMA has an appropriate level of bad loans (0.9%).
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Company Analysis and Financial Data Status
Data | Last Updated (UTC time) |
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Company Analysis | 2024/12/23 15:48 |
End of Day Share Price | 2024/12/20 00:00 |
Earnings | 2024/09/30 |
Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
Package | Data | Timeframe | Example US Source * |
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Company Financials | 10 years |
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Analyst Consensus Estimates | +3 years |
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Market Prices | 30 years |
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Ownership | 10 years |
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Management | 10 years |
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Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
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Industry and Sector Metrics
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Analyst Sources
Optima bank S.A. is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
Analyst | Institution |
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Paris Mantzavras | Pantelakis Securities S.A |