Oma Säästöpankki Oyj (HEL:OMASP)

Oma Säästöpankki Oyj Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	288.95	349.59	322.51	121.88	84.91	72.81
Interest Paid on Deposits	106.92	136.49	125.46	16.95	4.78	4.99
Net Interest Income	182.03	213.1	197.05	104.93	80.13	67.82
Net Interest Income Growth (YoY)	-16.92%	8.15%	87.79%	30.95%	18.15%	17.90%
Gain (Loss) on Sale of Assets	-0.06	-0.06	-	-0	-0.02	-1.47
Gain (Loss) on Sale of Investments	-4.53	-4.22	-2.57	-5.57	4.6	12.25
Other Non-Interest Income	52.83	54.65	51.89	43.34	37.38	32.47
Total Non-Interest Income	48.24	50.37	49.32	37.76	41.97	43.25
Non-Interest Income Growth (YoY)	-9.13%	2.13%	30.61%	-10.02%	-2.98%	29.31%
Revenues Before Loan Losses	230.27	263.47	246.37	142.69	122.1	111.07
Provision for Loan Losses	49.1	83.38	17.13	1.75	7.29	21.59
Revenue	181.17	180.09	229.24	140.95	114.8	89.49
Revenue Growth (YoY)	-4.19%	-21.44%	62.64%	22.77%	28.29%	9.93%
Salaries and Employee Benefits	41.44	33.65	31.18	25.61	21.54	17.42
Occupancy Expenses	8.59	8.81	8.42	7.27	5.16	4.9
Selling, General & Administrative	3.41	3.41	2.37	2.05	1.8	1.96
Other Non-Interest Expense	65.35	60.95	45.28	36.53	27.27	27.09
Total Non-Interest Expense	120.88	107.92	88.6	71.83	56.48	51.47
EBT Excluding Unusual Items	60.3	72.17	140.64	69.12	58.33	38.02
Asset Writedown	-	-	-	-0.27	-5.11	-0.31
Other Unusual Items	3.75	6.6	0.7	1.7	34.47	-
Pretax Income	59.83	74.59	138.05	69.23	83.27	37.71
Income Tax Expense	12.53	15.04	28	13.85	17.02	7.05
Earnings From Continuing Operations	47.3	59.55	110.05	55.38	66.25	30.65
Minority Interest in Earnings	-	-	-	0	-0.1	0.17
Net Income	47.3	59.55	110.05	55.38	66.16	30.82
Net Income to Common	47.3	59.55	110.05	55.38	66.16	30.82
Net Income Growth	-32.28%	-45.89%	98.71%	-16.29%	114.63%	11.77%
Basic Shares Outstanding	33	33	32	30	30	30
Diluted Shares Outstanding	33	33	32	30	30	30
Shares Change (YoY)	0.63%	5.48%	4.80%	0.64%	1.65%	-
EPS (Basic)	1.42	1.80	3.49	1.85	2.22	1.04
EPS (Diluted)	1.42	1.78	3.47	1.83	2.20	1.04
EPS Growth	-32.70%	-48.70%	89.62%	-16.82%	111.54%	11.56%
Dividend Per Share	0.360	0.360	0.670	0.400	0.300	0.240
Dividend Growth	-46.27%	-46.27%	67.50%	33.33%	25.00%	84.61%
Effective Tax Rate	20.94%	20.16%	20.28%	20.00%	20.44%	18.71%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.