Optima Bank

What Optima Bank does

Optima bank S.A. is a publicly listed Greek universal bank headquartered in Galatsi, Greece, trading on the Athens Stock Exchange (ATHEX ticker OPMBF; OTCMKTS: OPMBF; also referenced as FRA:C59). The institution operates a full-service platform spanning retail banking (current accounts, time deposits up to 2.00%, mortgages, consumer loans), corporate banking (working capital loans, mid-term loans, letters of guarantee, documentary collections, state-aid guaranteed lending), and investment banking (M&A advisory, ECM/IPO underwriting, brokerage, market making, FX hedging). Digital delivery runs on Optima e-banking (web), the Optima mobile app (iOS/Android with biometric login and push-approval), and the Optima trader / Optima trader app for securities execution, all secured via TLS 256-bit encryption, 3D Secure, strong customer authentication with OTP, a kill switch for emergency channel blocking, and integration with the Greek eGov KYC platform and IRIS instant payments. The bank distributes biodegradable Mastercard debit and credit cards (with Apple Pay/Google Pay tokenization) and operates wholly-owned subsidiaries Optima factors (factoring) and Optima leasing (asset leasing), plus a distribution agreement with Optima asset management MFMC for mutual funds.

Revenue mechanics are diversified across net interest income from lending and deposits (including HDB-guaranteed state-aid loans such as TEPIX III, EAT-TMEDE, and RRF "Ελλάδα 2.0"), card interchange and transaction fees, ECM advisory and underwriting fees (mandates on Greek IPOs and corporate bond issues), market making and trading income on ATHEX and Greek Eurobonds, FX hedging product margins, factoring/leasing subsidiary revenue, mutual fund distribution fees, and wholesale funding via the newly established EMTN programme (€150 million Tier 2 subordinated bond issued in April 2026, advised by DLA Piper). Customer concentration is dispersed across Greek retail individuals, SMEs, large enterprises, self-employed professionals, HNW private banking clients, and institutional counterparties, with no disclosed anchor customer accounting for a disproportionate share of revenue. The bank remains subject to full Greek and EU regulatory perimeter (HDIGF/TEKE deposit guarantee up to €100,000, MiFID II, FATCA, CRS, GDPR, PSD2, accessibility law 4994/2022).

Name

Optima Bank

Legal name

Optima bank S.A.

Website

https://optimabank.gr

Company type

Public

Founded year

2019

Operating status

Operating

Headcount range

251–500 employees

Short description

Optima bank S.A. is a publicly listed Greek universal bank (ATHEX: OPMBF) headquartered in Galatsi, offering retail, corporate and investment banking services including deposits, mortgages, cards, factoring, leasing, ECM advisory and market making across Greece and international markets.

Ownership category

akta.pro rank

Headquarters

HQ city

Galátsi

HQ country

Greece

HQ region

Europe

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Net interest income from lending and deposits: Optima bank earns net interest income on retail mortgages, consumer loans, business working capital loans, mid-term loans, factoring and leasing through subsidiaries Optima factors and Optima leasing. Deposit products (Optima time deposits up to 2.00% interest with monthly capitalization) support funding. State-aided lending (TEPIX III, EAT-TMEDE, Recovery Fund) is intermediated with Hellenic Development Bank guarantees.
2. Card transaction fees and interchange: Issuing Mastercard debit and credit cards for individuals and businesses; earning fees on ATM withdrawals, contactless/in-store purchases, online purchases (3D Secure), card renewals and PIN reissues as per the Basic Price List. Includes eco-friendly biodegradable cards and supports Google Pay/Apple Pay wallets.
3. Investment banking advisory and underwriting fees: M&A advisory, corporate finance advisory (valuations, fairness opinions, PPA), and Equity Capital Markets (ECM) services for IPOs (Main and Alternative Market), share capital increases, bond issues, public offers and private placements. Acted as lead arranger/underwriter for issuances including Capital Clean Energy Carriers Corp. (2026), AKTOR, GEK TERNA, LAMDA Development, attica, Aegean Airlines and others.
4. Market making and trading income: Providing liquidity as market maker for shares, stock/index futures and options, and corporate bonds listed on the Athens Stock Exchange (ATHEX), and as a key counterparty for Greek corporate Eurobonds traded on international markets. Daily pricing provided to institutional and retail clients.
5. Foreign exchange product income: Offering FX Spot, FX Forward, FX Options (Call/Put) and FX Option Strategies to hedge currency risk for businesses and investors, priced per the Investment Services pricing list.
6. Factoring and leasing subsidiary income: Through subsidiaries Optima factors (factoring services for liquidity, A/R management, credit risk coverage) and Optima leasing (leasing for properties, fixed assets and equipment).
7. Mutual fund and asset management distribution fees: Distributing Optima asset management MFMC mutual funds and a wide range of international mutual funds, plus brokerage for equities, bonds, margin accounts, derivatives and FX products.
8. Wholesale funding via EMTN programme and bond issuance: Issuing debt capital instruments such as the EUR 150 million Tier 2 bond under the new EMTN programme (advised by DLA Piper), supporting the bank's regulatory capital structure.

Pricing tiers

Go-to-market motion5 records

Core offering

Optima bank S.A. is a Greek universal bank offering retail banking (current and time deposit accounts, Mastercard debit and credit cards, residential mortgages, private banking) and corporate banking (business current accounts, working capital and mid-term loans, state-aid guaranteed lending, factoring via Optima factors, leasing via Optima leasing). It also provides investment banking (M&A and corporate finance advisory, ECM/IPO underwriting, market making on ATHEX), brokerage and trading (equities, bonds, derivatives, FX, mutual funds), and international trade finance (letters of guarantee, documentary collections, ECIO Extroversion program), delivered through branches, Optima e-banking web, Optima mobile app and Optima trader platforms.

Product overview

Optima bank S.A. is a Greek universal bank operating a platform-plus-modules architecture that unifies retail (Individuals) and corporate (Businesses) banking under a single brand. The core platform comprises the Optima e-banking web and Optima mobile app (with biometric login and push notification approvals), plus the Optima bank trader / Optima trader app for investment execution. Built on top of this core, modular products include current/time deposit accounts (Optima λογαριασμός ιδιωτών, Optima προθεσμιακή/Optima e-προθεσμιακή κατάθεση, Optima όψεως επιχειρήσεων), credit products (Optima στεγαστικό δάνειο mortgage, business working capital loans, mid-term loans, and state-aid guaranteed loans under HDB programs), cards (Optima bank credit/debit Mastercard for individuals and businesses, all biometric and biodegradable with Google Pay/Apple Pay tokenization), investment services (mutual funds distribution including Optima asset management MFMC funds, equities, bonds, margin account, derivatives, and FX hedging products), international trade (letters of guarantee, bills of lading, ECIO Extroversion Program), investment banking (M&A advisory, corporate finance advisory, ECM/IPO services, and market making), and auxiliary services like e-meeting for video appointments with Relationship Managers. Subsidiaries extend the platform: Optima factors (factoring) and Optima leasing (asset leasing).

Differentiator

Problem solved

Functional benefit

Brands

• Optima factors: Subsidiary brand offering specialized factoring services for liquidity and A/R management in Greece and abroad.
• Optima leasing

Products and services

• Optima Individual Account (Optima λογαριασμός ιδιωτών) Core current/savings account for individual retail customers, marketed under Optima bank with simple procedures and flexible terms; serves as the foundation product for accessing debit cards and e-banking services.
• Optima Time Deposit (Optima προθεσμιακή κατάθεση) Time deposit product for retail customers, with a flagship offering up to 2.00% interest rate and monthly interest payment (capitalisation), marketed as the market's best time deposit.
• Optima e-Time Deposit (Optima e-προθεσμιακή κατάθεση) Digital/online time deposit variant for retail customers, opened and managed via Optima e-banking channels.
• Optima Mortgage Loan (Optima στεγαστικό δάνειο) Residential mortgage loan product for individuals covering all housing financing needs.
• Optima bank credit Mastercard Individual credit Mastercard card offering interest-free installment purchases, contactless payments, Google Pay/Apple Pay support, cash advance, monthly e-statements, and biodegradable PVC-reduced construction in partnership with Mastercard.
• Optima bank debit Mastercard Individual debit Mastercard card offering contactless payments, free of fees and interest, biometric/biodegradable construction, Google Pay/Apple Pay support, 3D Secure online shopping, and tax deduction features. Daily purchase limit €2,000 and DIAS ATM withdrawal limit €600.
• Optima bank business debit Mastercard Business debit Mastercard for self-employed professionals, sole proprietors, and businesses, offering flexibility, control, and security for business transactions with eco-friendly biodegradable construction.
• Optima bank business credit Mastercard Business credit Mastercard with monthly credit limit, multiple additional cards with individual limits per user, automatic balance repayment via standing order, and full management via Optima e-banking and mobile app; biodegradable construction with reduced PVC.
• Optima e-banking Web-based digital banking platform for individuals, accessible via netteller, offering account management, transfers (including IRIS instant payments), and 3D-secure online authentication with Strong Customer Authentication.
• Optima mobile app Native mobile banking application for iOS and Android, supporting biometric login, push notifications for transaction approval, IRIS payments, balance management, push-based 3D Secure approvals, and management of cards (temporary block, PIN delivery, activation).
• Optima Private Banking Private banking service for high-net-worth individuals offered by Optima bank, providing tailored wealth advisory and access to investment capabilities.
• Optima Business Sight Account (Optima όψεως επιχειρήσεων) Business current account product meeting the full range of business deposit needs.
• Working Capital Loan (Businesses) Flexible working capital account/loan for businesses to meet daily liquidity needs, subject to applicable credit rating criteria.
• Mid-term Loan (Businesses) Medium-term business loan financing for purchase of business facilities, equipment, or other investment plans, with flexible terms adaptable to business needs.
• State Aid / Guaranteed Loans (TEPIX III, EAT-TMEDE, Innovation Guarantee Fund, RRF 'Ελλάδα 2.0', Covid-19 Guarantee Fund) Guaranteed working capital and investment loans under multiple state aid programmes including 'Guarantee Fund for Covid-19', TEPIX III, Innovation Guarantee Fund, EAT-TMEDE (up to €400,000 for engineering/construction SMEs with 100% subsidised guarantee fee), and Recovery and Resilience Fund 'Ελλάδα 2.0', in cooperation with the Hellenic Development Bank (HDB).
• Optima factors (Factoring services) Subsidiary offering specialised factoring services for businesses, providing liquidity via sales (Greece and abroad), A/R management and collection, and credit risk coverage.
• Optima leasing (Leasing services) Subsidiary offering modern leasing solutions for properties, fixed assets, and equipment, designed for businesses and self-employed professionals.
• Optima e-banking for Businesses Business online banking platform offering account overviews, payment organisation, complex access rights for company users, IRIS payments, mass transactions (bulk payments), and integration with the business mobile app.
• Optima mobile app for Businesses Mobile banking app dedicated to business customers for managing business finances on the go, with push notifications for transaction approval.
• Mutual Funds Distribution Distribution of Optima asset management MFMC mutual funds plus a wide range of international mutual funds as authorised distributor.
• Equities Trading High-standard equity execution services on Greek and key international stock markets, with Optima bank ranked among top ATHEX member stock traders.
• Bonds Trading Access to Greek and major global corporate and government bond markets, including Greek corporate Eurobond issues.
• Margin Account Margin lending account for purchase of corporate stock, providing credit facilities against collateral.
• Derivatives Trading Direct and full access to derivative products on Greek and international markets; Optima bank is a leader in the Greek derivatives market.
• FX Products (Spot, Forward, Options, Option Strategies) Foreign exchange hedging products including FX Spot, FX Forward, FX Options (Call/Put), and FX Option Strategies, for hedging currency risk from investments or business activities.
• Optima bank trader / Optima trader app Investment trading platform and mobile app for executing trades in equities, derivatives, bonds, mutual funds, and foreign exchange products, with remote account opening capability.
• Business Fund Transfers Business fund transfer service in multiple currencies with fast and easy execution, supporting both domestic and international transfers.
• Letters of Guarantee Bank-issued letters of guarantee of all types to cover financial or contractual obligations to third parties, enhancing business creditworthiness for projects in Greece and abroad.
• Bills of Lading / Documentary Collections Reliable and efficient management of documentary collections and bills of lading for import/export international trade transactions.
• ECIO Extroversion Program Export financing programme in partnership with the Export Credit Insurance Organization, enhancing liquidity for Greek export businesses.
• Mergers & Acquisitions (M&A) Advisory Investment banking advisory service for mergers, acquisitions, joint ventures, and privatisations, including target/investor identification, synergy/valuation analyses, deal structuring, negotiations, and project management.
• Corporate Finance Advisory Corporate finance advisory services including business planning, business valuations, fairness opinions, intangible asset valuation (PPA), strategic investment advisory, and valuations for tender offers and de-listings.
• Equity Capital Markets (ECM) Equity capital markets services for primary and secondary transactions, including IPOs (Main and Alternative Market), share capital increases, bond issues, public offerings, private placements, lead arranger, and underwriter services.
• Market Making Market making service for shares, derivatives, and corporate bonds listed on ATHEX (Athens Exchange) and for Greek Corporate Eurobonds on international markets, providing liquidity and limiting volatility; one of the first banks to introduce market making in Greece.

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature8 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Eurobank: One of the four systemic Greek banks offering retail deposits, mortgages, corporate lending, investment banking and asset management across Greece and SEE. Directly comparable to Optima across nearly every product line, but at materially greater scale.
• National Bank of Greece (NBG): Greece's largest systemic bank, providing retail, corporate, investment banking and asset management services. A direct peer to Optima across the full universal banking stack, with a much larger deposit, branch and balance-sheet footprint.
• Alpha Bank: Greek systemic bank offering retail, SME, corporate, investment banking and wealth management. A like-for-like peer to Optima in retail and corporate banking, with significantly larger scale and an international presence in SEE.
• Piraeus Bank: Greek systemic bank with a broad retail, SME, corporate and investment banking offering. Directly competes with Optima in Greek deposits, mortgages, factoring and capital markets, but at substantially greater scale.

Direct peers

• Attica Bank: Greek mid-sized bank offering retail, corporate and investment banking services. A direct peer to Optima in the Greek mid-tier bank segment, with overlapping product mix and comparable scale dynamics.
• Aegean Baltic Bank: Greek small-to-mid-sized bank focused on business banking, trade finance and treasury services. Comparable to Optima's corporate, factoring and FX product set, serving overlapping Greek SME and institutional clients.
• Euroxx Securities: Greek investment bank providing equity brokerage, equity research, ECM and advisory services. Directly comparable to Optima's investment banking, equity trading and market making franchise on ATHEX.
• Piraeus Securities: Greek brokerage and investment banking firm offering equities, derivatives, fixed income, mutual funds and advisory. A direct peer to Optima's Optima trader platform and capital markets intermediation franchise.
• NBG Securities: Greek investment firm providing equity brokerage, equity research, ECM and corporate advisory. Competes with Optima in Greek ECM, advisory mandates and institutional equity execution.

Regional players

• Pancreta Bank: Greek regional bank focused on Crete and mainland SMEs, offering retail, business and agricultural lending. Comparable to Optima's Greek SME and retail offering but with a more regional focus and narrower product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/OptimabankSA
• LinkedInlinkedin.com/company/optimabank

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds2 records

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Optima Bank