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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	796.83	1,044	678.69	873.92	484.66	253.78
Investment Securities	502.23	508.42	518.9	569.83	565.19	639.24
Trading Asset Securities	44.2	63.91	94.52	59.47	13.39	29.45
Total Investments	546.44	572.33	613.42	629.3	578.59	668.69
Gross Loans	5,769	5,860	6,399	6,033	4,779	4,355
Allowance for Loan Losses	-	-152.34	-112.61	-35.46	-24.83	-28.6
Net Loans	5,769	5,708	6,286	5,998	4,755	4,326
Property, Plant & Equipment	38.29	39.68	37.98	34.59	28.8	27.89
Goodwill	20.09	20.09	20.09	4.84	0.45	1.05
Other Intangible Assets	28.52	24.27	11.72	8.8	8.17	8.97
Investments in Real Estate	-	1.18	0.92	1.17	1.33	1.71
Accrued Interest Receivable	-	36.8	36.74	62.61	26.03	15.49
Other Receivables	9.41	9.22	0.34	0.15	0.09	30.08
Restricted Cash	-	-	-	-	31.53	30.13
Long-Term Deferred Tax Assets	0.13	11.48	14.9	17.61	21.92	7.08
Other Long-Term Assets	15.08	6.96	8.01	12.34	5.66	1.31
Total Assets	7,224	7,474	7,709	7,643	5,942	5,373
Accrued Expenses	-	-	-	-	7.99	1.48
Interest Bearing Deposits	-	615.59	553.96	572.98	301.62	132.66
Non-Interest Bearing Deposits	-	3,206	3,386	3,160	2,817	2,771
Total Deposits	-	3,822	3,940	3,733	3,119	2,904
Short-Term Borrowings	5.33	29.95	18.03	13.88	8.93	10.78
Current Portion of Long-Term Debt	-	710.4	214.83	676.05	545.58	566.68
Current Portion of Leases	-	-	-	-	2.67	2.34
Current Income Taxes Payable	-	-	7.65	2.58	0.48	9.33
Accrued Interest Payable	-	-	-	-	8.2	1.97
Other Current Liabilities	-	-	-	-	0.17	0.12
Long-Term Debt	2,677	2,162	2,801	2,520	1,818	1,414
Long-Term Leases	-	-	-	-	5.95	6.31
Pension & Post-Retirement Benefits	-	-	-	-	0.21	0.59
Long-Term Deferred Tax Liabilities	15.39	29.17	35.72	42.9	36.07	31.12
Other Long-Term Liabilities	3,897	102.39	115.77	113.31	22.04	18.63
Total Liabilities	6,596	6,855	7,133	7,102	5,577	4,971
Common Stock	24	24	24	24	24	24
Retained Earnings	432.93	422.09	394.23	368.23	272.14	231.94
Comprehensive Income & Other	171.77	172.74	157.91	148.82	68.82	144.83
Total Common Equity	628.7	618.83	576.14	541.05	364.96	400.77
Minority Interest	-	-	-	-	-	0.52
Shareholders' Equity	628.7	618.83	576.14	541.05	364.96	401.29
Total Liabilities & Equity	7,224	7,474	7,709	7,643	5,942	5,373
Total Debt	2,683	2,902	3,034	3,210	2,381	2,000
Net Cash (Debt)	-1,842	-1,794	-2,261	-2,276	-1,883	-1,717
Net Cash Per Share	-55.52	-53.63	-67.58	-71.78	-62.21	-57.08
Filing Date Shares Outstanding	33.65	33.2	33.16	33.07	30.02	29.77
Total Common Shares Outstanding	33.65	33.2	33.16	33.07	30.02	29.77
Book Value Per Share	18.69	18.64	17.38	16.36	12.16	13.46
Tangible Book Value	580.1	574.47	544.34	527.41	356.33	390.75
Tangible Book Value Per Share	17.24	17.30	16.42	15.95	11.87	13.12

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