Oma Säästöpankki Oyj (HEL:OMASP)

Oma Säästöpankki Oyj Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	248.02	265.51	349.59	322.51	121.88	84.91
Interest Paid on Deposits	90.49	96.88	136.49	125.46	16.95	4.78
Net Interest Income	157.53	168.64	213.1	197.05	104.93	80.13
Net Interest Income Growth (YoY)	-22.25%	-20.86%	8.15%	87.79%	30.95%	18.15%
Gain (Loss) on Sale of Assets	-	-	-0.04	-	-0	-0.02
Gain (Loss) on Sale of Investments	-4.75	-4.75	-4.16	-2.57	-5.57	4.6
Other Non-Interest Income	54.87	53.22	54.57	51.89	43.34	37.38
Total Non-Interest Income	50.13	48.47	50.37	49.32	37.76	41.97
Non-Interest Income Growth (YoY)	6.99%	-3.77%	2.13%	30.61%	-10.02%	-2.98%
Revenues Before Loan Losses	207.66	217.11	263.47	246.37	142.69	122.1
Provision for Loan Losses	32.19	47.11	83.38	17.13	1.75	7.29
Revenue	175.47	170	180.09	229.24	140.95	114.8
Revenue Growth (YoY)	5.15%	-5.60%	-21.44%	62.64%	22.77%	28.29%
Salaries and Employee Benefits	43.88	42.66	33.65	31.18	25.61	21.54
Occupancy Expenses	8.79	8.55	8.81	8.42	7.27	5.16
Selling, General & Administrative	4.46	4.46	3.41	2.37	2.05	1.8
Other Non-Interest Expense	60.3	67.03	60.95	45.28	36.53	27.27
Total Non-Interest Expense	119.36	124.68	107.92	88.6	71.83	56.48
EBT Excluding Unusual Items	56.11	45.32	72.17	140.64	69.12	58.33
Asset Writedown	-0.33	-0.33	-	-	-0.27	-5.11
Other Unusual Items	4.3	4.3	6.6	0.7	1.7	34.47
Pretax Income	60.04	49.25	74.59	138.05	69.23	83.27
Income Tax Expense	11.89	9.77	15.04	28	13.85	17.02
Earnings From Continuing Operations	48.15	39.48	59.55	110.05	55.38	66.25
Minority Interest in Earnings	-	-	-	-	0	-0.1
Net Income	48.15	39.48	59.55	110.05	55.38	66.16
Net Income to Common	48.15	39.48	59.55	110.05	55.38	66.16
Net Income Growth	14.41%	-33.70%	-45.89%	98.71%	-16.29%	114.63%
Basic Shares Outstanding	33	33	33	32	30	30
Diluted Shares Outstanding	33	33	33	32	30	30
Shares Change (YoY)	-2.01%	0.01%	5.48%	4.80%	0.64%	1.65%
EPS (Basic)	1.46	1.19	1.80	3.49	1.85	2.22
EPS (Diluted)	1.45	1.18	1.78	3.47	1.83	2.20
EPS Growth	16.76%	-33.71%	-48.70%	89.62%	-16.82%	111.54%
Dividend Per Share	0.360	0.360	0.360	0.670	0.400	0.300
Dividend Growth	-	-	-46.27%	67.50%	33.33%	25.00%
Effective Tax Rate	19.80%	19.84%	20.16%	20.28%	20.00%	20.44%

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