Oma Säästöpankki Oyj Balance Sheet

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
Cash & Equivalents	1,044	678.69	873.92	484.66	253.78
Investment Securities	508.42	518.9	569.83	565.19	639.24
Trading Asset Securities	63.91	94.52	59.47	13.39	29.45
Total Investments	572.33	613.42	629.3	578.59	668.69
Gross Loans	5,861	6,399	6,033	4,779	4,355
Allowance for Loan Losses	-153.34	-112.61	-35.46	-24.83	-28.6
Net Loans	5,708	6,286	5,998	4,755	4,326
Property, Plant & Equipment	39.68	37.98	34.59	28.8	27.89
Goodwill	20.09	20.09	4.84	0.45	1.05
Other Intangible Assets	24.27	11.72	8.8	8.17	8.97
Investments in Real Estate	1.18	0.92	1.17	1.33	1.71
Accrued Interest Receivable	-	36.74	62.61	26.03	15.49
Other Receivables	8.96	0.34	0.15	0.09	30.08
Restricted Cash	-	-	-	31.53	30.13
Long-Term Deferred Tax Assets	11.48	14.9	17.61	21.92	7.08
Other Long-Term Assets	44.02	8.01	12.34	5.66	1.31
Total Assets	7,474	7,709	7,643	5,942	5,373
Accrued Expenses	-	-	-	7.99	1.48
Interest Bearing Deposits	615.59	553.96	572.98	301.62	132.66
Non-Interest Bearing Deposits	3,206	3,386	3,160	2,817	2,771
Total Deposits	3,822	3,940	3,733	3,119	2,904
Short-Term Borrowings	29.95	174.49	87.63	8.93	10.78
Current Portion of Long-Term Debt	695.45	227.05	676.05	545.58	566.68
Current Portion of Leases	-	-	-	2.67	2.34
Current Income Taxes Payable	-	7.65	2.58	0.48	9.33
Accrued Interest Payable	-	-	-	8.2	1.97
Other Current Liabilities	-	-	-	0.17	0.12
Long-Term Debt	2,177	2,632	2,446	1,818	1,414
Long-Term Leases	-	-	-	5.95	6.31
Pension & Post-Retirement Benefits	-	-	-	0.21	0.59
Long-Term Deferred Tax Liabilities	29.17	35.72	42.9	36.07	31.12
Other Long-Term Liabilities	102.39	115.77	113.31	22.04	18.63
Total Liabilities	6,855	7,133	7,102	5,577	4,971
Common Stock	24	24	24	24	24
Retained Earnings	422.09	394.23	368.23	272.14	231.94
Comprehensive Income & Other	172.74	157.91	148.82	68.82	144.83
Total Common Equity	618.83	576.14	541.05	364.96	400.77
Minority Interest	-	-	-	-	0.52
Shareholders' Equity	618.83	576.14	541.05	364.96	401.29
Total Liabilities & Equity	7,474	7,709	7,643	5,942	5,373
Total Debt	2,902	3,034	3,210	2,381	2,000
Net Cash (Debt)	-1,794	-2,261	-2,276	-1,883	-1,717
Net Cash Per Share	-53.63	-67.58	-71.78	-62.21	-57.08
Filing Date Shares Outstanding	33.2	33.16	33.07	30.02	29.77
Total Common Shares Outstanding	33.2	33.16	33.07	30.02	29.77
Book Value Per Share	18.64	17.38	16.36	12.16	13.46
Tangible Book Value	574.47	544.34	527.41	356.33	390.75
Tangible Book Value Per Share	17.30	16.42	15.95	11.87	13.12

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