Oma Säästöpankki Oyj Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	802.26	678.69	873.92	484.66	253.78	312.99
Investment Securities	514.33	518.9	569.83	565.19	639.24	523.19
Trading Asset Securities	76.45	94.52	59.47	13.39	29.45	23.43
Total Investments	590.78	613.42	629.3	578.59	668.69	546.62
Gross Loans	5,952	6,399	6,033	4,779	4,355	3,460
Allowance for Loan Losses	-149.33	-112.61	-35.46	-24.83	-28.6	-25.86
Net Loans	5,802	6,286	5,998	4,755	4,326	3,434
Property, Plant & Equipment	38.05	37.98	34.59	28.8	27.89	29.7
Goodwill	20.09	20.09	4.84	0.45	1.05	1.05
Other Intangible Assets	19.24	11.72	8.8	8.17	8.97	10.13
Investments in Real Estate	-	0.92	1.17	1.33	1.71	7.27
Accrued Interest Receivable	-	36.74	62.61	26.03	15.49	11.92
Other Receivables	6.69	0.34	0.15	0.09	30.08	0.1
Restricted Cash	-	-	-	31.53	30.13	23.3
Long-Term Deferred Tax Assets	11.79	14.9	17.61	21.92	7.08	3.88
Other Long-Term Assets	245.08	8.01	12.34	5.66	1.31	0.73
Total Assets	7,536	7,709	7,643	5,942	5,373	4,382
Accrued Expenses	-	-	-	7.99	1.48	5.5
Interest Bearing Deposits	667.67	553.96	572.98	301.62	132.66	188.88
Non-Interest Bearing Deposits	3,229	3,386	3,160	2,817	2,771	2,188
Total Deposits	3,897	3,940	3,733	3,119	2,904	2,377
Short-Term Borrowings	18.52	174.49	87.63	8.93	10.78	10.77
Current Portion of Long-Term Debt	2,662	227.05	676.05	545.58	566.68	149.32
Current Portion of Leases	-	-	-	2.67	2.34	1.88
Current Income Taxes Payable	-	7.65	2.58	0.48	9.33	3.8
Accrued Interest Payable	-	-	-	8.2	1.97	1.81
Other Current Liabilities	-	-	-	0.17	0.12	0.12
Long-Term Debt	220.11	2,632	2,446	1,818	1,414	1,426
Long-Term Leases	-	-	-	5.95	6.31	4.86
Pension & Post-Retirement Benefits	-	-	-	0.21	0.59	0.22
Long-Term Deferred Tax Liabilities	30.84	35.72	42.9	36.07	31.12	27.95
Other Long-Term Liabilities	102.91	115.77	113.31	22.04	18.63	12.26
Total Liabilities	6,931	7,133	7,102	5,577	4,971	4,029
Common Stock	24	24	24	24	24	24
Retained Earnings	411.94	394.23	368.23	272.14	231.94	180.71
Comprehensive Income & Other	169.29	157.91	148.82	68.82	144.83	148.35
Total Common Equity	605.22	576.14	541.05	364.96	400.77	353.07
Minority Interest	-	-	-	-	0.52	0.43
Shareholders' Equity	605.22	576.14	541.05	364.96	401.29	353.49
Total Liabilities & Equity	7,536	7,709	7,643	5,942	5,373	4,382
Total Debt	2,900	3,034	3,210	2,381	2,000	1,593
Net Cash (Debt)	-2,022	-2,261	-2,276	-1,883	-1,717	-1,256
Net Cash Per Share	-60.67	-67.58	-71.78	-62.21	-57.08	-42.46
Filing Date Shares Outstanding	33.18	33.16	33.07	30.02	29.77	29.59
Total Common Shares Outstanding	33.18	33.16	33.07	30.02	29.77	29.59
Book Value Per Share	18.24	17.38	16.36	12.16	13.46	11.93
Tangible Book Value	565.9	544.34	527.41	356.33	390.75	341.89
Tangible Book Value Per Share	17.05	16.42	15.95	11.87	13.12	11.56

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