Oma Säästöpankki (OMASP) investor relations material

Executive summary

• Q4 results met expectations, with comparable profit before taxes at EUR 17.2 million and operating expenses down 5.7%.

• Full year 2025 profit before taxes was EUR 56.9 million, with earnings per share at EUR 1.37 and return on equity at 7.6%.

• Customer satisfaction improved, with the net promoter score rising to 40 at year-end.

• Profit before taxes for 2025 was down 34% year-over-year; comparable profit before taxes was EUR 56.9 million.

Financial highlights

• Net interest income for Q4 decreased by 26.3% year-over-year to EUR 37.5 million due to a decline in the loan portfolio and market interest rates.

• Net fee and commission income increased by 1.6% to EUR 13.3 million in Q4, supported by higher fees from lending, fund savings, and payment transactions.

• Impairment losses on financial assets in Q4 decreased by 26.2% to EUR 5.6 million.

• Total assets at year-end were EUR 7.5 billion.

• Operating expenses decreased to EUR 30.5 million in Q4, down from EUR 32.4 million year-over-year.

Outlook and guidance

• For 2026, net interest income is expected to decrease due to lower market rates and changes in the loan portfolio.

• Cost development is expected to remain stable, and impairment losses are estimated to stay lower than the previous year.

• Comparable profit before taxes for 2026 is projected to decrease slightly from 2025.

• New financial targets for 2026–2029 include ROE over 14%, cost/income ratio below 50%, annual fee and commission income growth over 10%, NPS over 50, and CET1 at least +2 percentage points over regulatory requirement.