Oma Säästöpankki Oyj (HEL: OMASP)

Oma Säästöpankki Oyj Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	364.14	322.51	121.88	84.91	72.81	63.35
Interest Paid on Deposits	145.04	125.46	16.95	4.78	4.99	5.83
Net Interest Income	219.09	197.05	104.93	80.13	67.82	57.52
Net Interest Income Growth (YoY)	28.30%	87.79%	30.95%	18.15%	17.90%	16.56%
Gain (Loss) on Sale of Assets	-	-	-0	-0.02	-1.47	-0.06
Gain (Loss) on Sale of Investments	-1.54	-2.57	-5.57	4.6	12.25	7.27
Other Non-Interest Income	54.63	51.89	43.34	37.38	32.47	26.25
Total Non-Interest Income	53.09	49.32	37.76	41.97	43.25	33.45
Non-Interest Income Growth (YoY)	12.64%	30.61%	-10.02%	-2.98%	29.31%	18.59%
Revenues Before Loan Losses	272.18	246.37	142.69	122.1	111.07	90.97
Provision for Loan Losses	83.08	17.13	1.75	7.29	21.59	9.57
Revenue	189.1	229.24	140.95	114.8	89.49	81.41
Revenue Growth (YoY)	-8.52%	62.64%	22.77%	28.29%	9.93%	10.29%
Salaries and Employee Benefits	32.97	31.18	25.61	21.54	17.42	17.07
Occupancy Expenses	8.8	8.42	7.27	5.16	4.9	4.41
Selling, General & Administrative	2.37	2.37	2.05	1.8	1.96	2.81
Other Non-Interest Expense	52	45.28	36.53	27.27	27.09	23.78
Total Non-Interest Expense	97.81	88.6	71.83	56.48	51.47	48.09
EBT Excluding Unusual Items	91.29	140.64	69.12	58.33	38.02	33.32
Asset Writedown	-	-	-0.27	-5.11	-0.31	-0.64
Other Unusual Items	0.7	0.7	1.7	34.47	-	-
Pretax Income	87.55	138.05	69.23	83.27	37.71	32.68
Income Tax Expense	17.71	28	13.85	17.02	7.05	5.23
Earnings From Continuing Operations	69.84	110.05	55.38	66.25	30.65	27.45
Minority Interest in Earnings	-	-	0	-0.1	0.17	0.13
Net Income	69.84	110.05	55.38	66.16	30.82	27.58
Net Income to Common	69.84	110.05	55.38	66.16	30.82	27.58
Net Income Growth	-28.09%	98.71%	-16.29%	114.63%	11.77%	36.51%
Basic Shares Outstanding	33	32	30	30	30	30
Diluted Shares Outstanding	33	32	30	30	30	30
Shares Change (YoY)	5.33%	4.80%	0.64%	1.65%	-	14.57%
EPS (Basic)	2.14	3.49	1.85	2.22	1.04	0.93
EPS (Diluted)	2.11	3.47	1.83	2.20	1.04	0.93
EPS Growth	-31.73%	89.62%	-16.82%	111.54%	11.56%	19.15%
Dividend Per Share	0.670	0.670	0.400	0.300	0.240	0.130
Dividend Growth	67.50%	67.50%	33.33%	25.00%	84.62%	-7.14%
Effective Tax Rate	20.23%	20.28%	20.00%	20.44%	18.71%	16.00%

Source: S&P Capital IQ. Banks template. Financial Sources.