Optima Bank S.A.

Capital/Financing Update • Jun 19, 2025

Announcement

for the successful issuance of € 150,000,000

Tier 2 Subordinated Bonds

Optima bank S.A. (the "Bank") announces that it has successfully completed the issuance of €150,000,000 unsecured Tier 2 (T2) subordinated bonds ("Bonds"), issued under the Bank' s Euro Medium Term Note Programme ("EMTN") of total nominal amount of up to €500,000,000. The Bonds have a maturity of 10.25 years, an embedded issuer call option of 5.25 years (September 25, 2030) and will be traded on the MTF Market of the Luxembourg Stock Exchange. The settlement date is June 25, 2025.

The Bonds were rated B1 by Moody's Ratings.

The issuance aims to further strengthen the Bank's capital position, and the funds raised will be used to serve the Bank's business purposes and meet its financing needs.

The issuance of the Bonds attracted strong investment interest with total demand amounting to € 1.665 bil. (oversubscription of 11.1 times). The majority of investors (72%) are international.

As a result of the strong investment interest, the yield on the Bonds decreased by 62.5 basis points, from 6.125% which was the original offering, to 5.5%.

The said oversubscription confirms once again investors' confidence in the Bank.

Goldman Sachs Bank Europe SE acted as Global Coordinator and Goldman Sachs Bank Europe SE and Morgan Stanley acted as Joint Bookrunners of the issuance. The Bank also participated in the issuance as Co-Manager. DLA Piper UK LLP and Bernitsas Law Firm acted as legal advisors of the Bank on English and Greek Law issues respectively.

For any further information investors may contact Investor relations, shareholder and corporate communications department (tel. +30 2108173454, e-mail: investors@optimabank.gr )

Maroussi, June 18, 2025

On behalf of Optima bank S.A.

Optima bank S.A.

• Registration Number of Hellenic Business Registry: 003664201000 • Tax Registration No: 099369013 • Athens Tax Office for Sociétés Anonymes • 32 Aigialeias & Paradissou Str. 15125 Maroussi Greece

^• Τ: +30 210 8173000 • F: +30 210 8173101 • E: hello@optimabank.gr