Oma Säästöpankki Oyj Income Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	265.51	349.59	322.51	121.88	84.91
Interest Paid on Deposits	96.88	136.49	125.46	16.95	4.78
Net Interest Income	168.64	213.1	197.05	104.93	80.13
Net Interest Income Growth (YoY)	-20.86%	8.15%	87.79%	30.95%	18.15%
Gain (Loss) on Sale of Assets	-	-0.06	-	-0	-0.02
Gain (Loss) on Sale of Investments	-4.75	-4.22	-2.57	-5.57	4.6
Other Non-Interest Income	57.52	54.65	51.89	43.34	37.38
Total Non-Interest Income	52.77	50.37	49.32	37.76	41.97
Non-Interest Income Growth (YoY)	4.77%	2.13%	30.61%	-10.02%	-2.98%
Revenues Before Loan Losses	221.41	263.47	246.37	142.69	122.1
Provision for Loan Losses	47.11	83.38	17.13	1.75	7.29
Revenue	174.3	180.09	229.24	140.95	114.8
Revenue Growth (YoY)	-3.21%	-21.44%	62.64%	22.77%	28.29%
Salaries and Employee Benefits	42.27	33.65	31.18	25.61	21.54
Occupancy Expenses	8.88	8.81	8.42	7.27	5.16
Selling, General & Administrative	-	3.41	2.37	2.05	1.8
Other Non-Interest Expense	68.44	60.95	45.28	36.53	27.27
Total Non-Interest Expense	121.57	107.92	88.6	71.83	56.48
EBT Excluding Unusual Items	52.73	72.17	140.64	69.12	58.33
Asset Writedown	-	-	-	-0.27	-5.11
Other Unusual Items	-3.44	6.6	0.7	1.7	34.47
Pretax Income	49.25	74.59	138.05	69.23	83.27
Income Tax Expense	9.77	15.04	28	13.85	17.02
Earnings From Continuing Operations	39.48	59.55	110.05	55.38	66.25
Minority Interest in Earnings	-	-	-	0	-0.1
Net Income	39.48	59.55	110.05	55.38	66.16
Net Income to Common	39.48	59.55	110.05	55.38	66.16
Net Income Growth	-33.70%	-45.89%	98.71%	-16.29%	114.63%
Basic Shares Outstanding	33	33	32	30	30
Diluted Shares Outstanding	33	33	32	30	30
Shares Change (YoY)	0.01%	5.48%	4.80%	0.64%	1.65%
EPS (Basic)	1.19	1.80	3.49	1.85	2.22
EPS (Diluted)	1.18	1.78	3.47	1.83	2.20
EPS Growth	-33.71%	-48.70%	89.62%	-16.82%	111.54%
Dividend Per Share	0.360	0.360	0.670	0.400	0.300
Dividend Growth	-	-46.27%	67.50%	33.33%	25.00%
Effective Tax Rate	19.84%	20.16%	20.28%	20.00%	20.44%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.