Oma Säästöpankki Oyj (HEL: OMASP)

Oma Säästöpankki Oyj Income Statement

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

Fiscal Year	TTM	2023	2022	2021	2020	2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	366.53	322.51	121.88	84.91	72.81	63.35
Interest Paid on Deposits	145.13	125.46	16.95	4.78	4.99	5.83
Net Interest Income	221.4	197.05	104.93	80.13	67.82	57.52
Net Interest Income Growth (YoY)	54.74%	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	-3.48	-2.57	-5.57	4.6	12.25	7.27
Other Non-Interest Income	56.15	51.89	43.34	37.38	32.47	26.25
Total Non-Interest Income	52.67	49.32	37.76	41.97	43.25	33.45
Non-Interest Income Growth (YoY)	16.75%	30.61%	-10.02%	-2.98%	29.31%	18.59%
Revenues Before Loan Losses	274.07	246.37	142.69	122.1	111.07	90.97
Provision for Loan Losses	75.35	17.13	1.75	7.29	21.59	9.57
Revenue	198.71	229.24	140.95	114.8	89.49	81.41
Revenue Growth (YoY)	9.79%	62.64%	22.77%	28.29%	9.93%	10.29%
Salaries and Employee Benefits	32.96	31.18	25.61	21.54	17.42	17.07
Occupancy Expenses	8.69	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	45.61	45.28	36.53	27.27	27.09	23.78
Total Non-Interest Expense	91.12	88.6	71.83	56.48	51.47	48.09
EBT Excluding Unusual Items	107.59	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	105.22	138.05	69.23	83.27	37.71	32.68
Income Tax Expense	21.38	28	13.85	17.02	7.05	5.23
Earnings From Continuing Operations	83.85	110.05	55.38	66.25	30.65	27.45
Minority Interest in Earnings	-	-	0	-0.1	0.17	0.13
Net Income	83.85	110.05	55.38	66.16	30.82	27.58
Net Income to Common	83.85	110.05	55.38	66.16	30.82	27.58
Net Income Growth	6.15%	98.71%	-16.29%	114.63%	11.77%	36.51%
Basic Shares Outstanding	32	32	30	30	30	30
Diluted Shares Outstanding	32	32	30	30	30	30
Shares Change (YoY)	4.27%	4.80%	0.64%	1.65%	-	14.57%
EPS (Basic)	2.59	3.49	1.85	2.22	1.04	0.93
EPS (Diluted)	2.58	3.47	1.83	2.20	1.04	0.93
EPS Growth	1.61%	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	20.31%	20.28%	20.00%	20.44%	18.71%	16.00%

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