Group 1 - Oma Savings Bank Plc's CEO, Karri Alameri, conducted a share subscription transaction on November 27, 2025, purchasing 1,755 shares at a unit price of €10.2537 [1] - The total volume of the transaction was 1,755 shares, with a volume-weighted average price of €10.2537 [1] - Oma Savings Bank Plc operates as a solvent and profitable Finnish bank, providing services through 48 branch offices and digital channels to over 200,000 customers [1] Group 2 - The core idea of OmaSp is to deliver personal service and maintain close relationships with customers through both digital and traditional channels [2] - The bank aims to provide a premium customer experience, focusing on customer-oriented development of operations and services [2] - A significant portion of the personnel at OmaSp are shareholders, indicating employee investment in the company's success [2]

Core Viewpoint - Oma Savings Bank Plc has initiated a directed share issue to implement its employee share savings plan, allowing employees to invest a portion of their salary into the bank's shares [1][2]. Group 1: Share Savings Plan - The OmaOsake-plan was established on 29 February 2024, enabling employees to save a portion of their salary to invest in shares of Oma Savings Bank Plc, with shares being acquired biannually [1]. - The plan allows employees to subscribe for shares at a price of 10.2537 euros per share, which is based on the volume-weighted average share price from 1 October to 31 October 2025, minus 10% [3]. Group 2: Share Issue Details - A total of 19,460 new shares will be issued, deviating from the shareholders' pre-emptive subscription rights, justified by the financial rationale to implement the OmaOsake-plan [2]. - The estimated registration date for the new shares is 11 December 2025, with trading expected to commence on Nasdaq Helsinki Ltd on 12 December 2025, bringing the total number of shares to 33,336,549 [4]. Group 3: Company Overview - Oma Savings Bank Plc is a solvent and profitable Finnish bank, providing services through 48 branches and digital channels to over 200,000 customers [4]. - The bank focuses on retail banking, offering a wide range of services, including credit, investment, and loan insurance products, as well as mortgage banking operations [4]. - The company emphasizes personal service and accessibility, aiming to deliver a premium customer experience while supporting employee career development [5].

Core Insights - Oma Savings Bank Plc reported moderate results for Q3 2025 amid a challenging operating environment, with a focus on strengthening solvency [1][2][14] Financial Performance - The comparable profit before taxes for Q3 was EUR 16.1 million, down from EUR 27.6 million in the previous year, reflecting a decline in net interest income and increased operating expenses [4][16] - Net interest income decreased by 23.2% in Q3, totaling EUR 40.2 million, primarily due to a smaller loan portfolio and reduced market interest rates [6][17] - Total operating income for Q3 decreased by 17.2%, while total operating expenses increased by 19.3% year-on-year [17] - The cost/income ratio for Q3 was 51.1%, compared to 43.4% in the previous year, indicating increased operational costs [17] Loan and Deposit Portfolio - The mortgage loan portfolio decreased by 3.7%, and the corporate loan portfolio decreased by 17.9% year-on-year, attributed to divestments and a controlled winding down of high-risk customers [7][17] - The deposit portfolio saw a slight decrease of 0.7% over the past year, with fluctuations in corporate customer deposits impacting the overall balance [17] Risk Management and Compliance - The company is actively working on risk management and internal operating model development, with costs related to compliance initiatives recorded at EUR 1.7 million for Q3 [3][17] - Impairment losses on financial assets decreased by 23.8% in Q3, totaling EUR -10.1 million, although challenges remain in the SME sector due to economic conditions [7][17] Customer Satisfaction and Service Expansion - Oma Savings Bank maintains a strong customer-centric approach, ranking third in private customer satisfaction according to the latest EPSI Rating bank survey [9][10] - The bank expanded several branches to enhance accessibility and meet customer demand, reinforcing its commitment to personal banking services [8] Capital Position - The total capital ratio strengthened to 19.2% at the end of September, up from 15.6% the previous year, indicating a solid financial position [14][16] - The Common Equity Tier 1 (CET1) capital ratio reached 18.2%, exceeding the regulatory minimum by 8.9 percentage points [14] Outlook - The company has lowered its earnings guidance for 2025, anticipating continued high costs due to investments in risk management and quality processes [17][20] - The expected comparable profit before taxes for 2025 is projected to be between EUR 50-65 million, down from EUR 86.7 million in 2024 [20]

Core Viewpoint - Oma Savings Bank Plc has decided to discontinue the Internal Ratings-Based (IRB) application process and will not seek an IRB permit in the near future due to a re-evaluation of its loan portfolio and changes in capital requirements regulation [1][2][3]. Group 1: Decision on IRB Application - The Board of Directors announced the suspension of the IRB application process in November 2024 and has now decided to discontinue it entirely as of October 30, 2025 [1][2]. - The company will not seek to accumulate IRB use experience or submit an IRB application to the Finnish Financial Supervisory Authority (FSA) in the near future [2]. Group 2: Re-evaluation Factors - The re-evaluation considered the benefits of the IRB methodology in relation to the current loan portfolio, which has significantly changed since the project's inception [2]. - New capital requirements regulation effective from the beginning of 2025 has lowered the average risk weights used in the standard approach, reducing the potential capital relief from the IRB methodology [3]. Group 3: Financial Impact - The decision to close the IRB project will not have a significant financial impact on the company and will not affect its reported solvency position [3]. - The development work completed thus far has been fully utilized in the company's credit risk models and reporting [3]. Group 4: Company Overview - Oma Savings Bank Plc is a solvent and profitable Finnish bank, providing services through 48 branches and digital channels to over 200,000 customers [4]. - The bank focuses on retail banking operations and offers a comprehensive range of banking services, including credit, investment, and loan insurance products [4]. - The company emphasizes personal service and aims to provide a premium customer experience through both digital and traditional channels [5].

Core Idea - Oma Savings Bank Plc (OmaSp) aims to provide personal service and maintain a close relationship with its customers through both digital and traditional channels [3] Financial Reporting Schedule - The Financial Statements, Annual Report, Sustainability Report, and Auditor's Report for 2025 will be published in week 11, coinciding with the Annual General Meeting on April 16, 2026 [1] - Key financial reporting dates include: - February 12, 2026: Financial Statements Release for 2025 - May 7, 2026: Interim Report for January-March 2026 - August 13, 2026: Interim Report for January-June 2026 - November 5, 2026: Interim Report for January-September 2026 [4] Company Overview - OmaSp is a solvent and profitable Finnish bank, employing around 600 professionals and operating 48 branches along with digital service channels, serving over 200,000 private and corporate customers [2] - The bank focuses primarily on retail banking, offering a comprehensive range of services, including credit, investment, and loan insurance products, as well as mortgage banking operations [2] Customer Experience and Employee Engagement - OmaSp emphasizes a premium level customer experience through personal service and easy accessibility, with operations and services developed in a customer-oriented manner [3] - The bank is committed to supporting the career development of its personnel through versatile tasks and continuous development, with a significant portion of the staff owning shares in the company [3]

Company Overview - Oma Savings Bank Plc is a solvent and profitable Finnish bank, providing services through 48 branch offices and digital channels to over 200,000 private and corporate customers [2] - The bank focuses primarily on retail banking operations and offers a wide range of banking services, including credit, investment, and loan insurance products, as well as mortgage banking [2] Core Business Strategy - The core idea of OmaSp is to provide personal service and maintain a local presence, ensuring accessibility for customers through both digital and traditional channels [3] - The bank aims to deliver a premium customer experience by emphasizing personal service and customer-oriented development of operations and services [3] - A significant portion of the personnel are shareholders in OmaSp, indicating a commitment to the bank's success and alignment of interests [3] Upcoming Events - Oma Savings Bank Plc will publish its interim report for January-September 2025 on 3 November 2025, with results presented by CEO Karri Alameri during a Finnish-language webcast [1] - The webcast will be recorded and made available later the same day on the company's website [1]

Core Idea - Oma Savings Bank is undergoing a management change with Markus Souru stepping down from his role as Head of Service Network on 21 October 2025, while continuing to work in other capacities until 31 December 2025 [1][2] Management Changes - Markus Lauri has been appointed as the interim Head of Service Network following Souru's departure [2] - CEO Karri Alameri expressed gratitude towards Souru for his contributions to the bank's business development [2] Company Overview - Oma Savings Bank is a solvent and profitable Finnish bank, employing around 600 professionals and operating 48 branch offices along with digital service channels, serving over 200,000 private and corporate customers [2] - The bank focuses primarily on retail banking, offering a wide range of services through its own balance sheet and as an intermediary for partner products, including credit, investment, and loan insurance [2] Customer Service Philosophy - The core idea of Oma Savings Bank is to provide personal service and maintain a close relationship with customers through both digital and traditional channels [3] - The bank aims to deliver a premium customer experience with a focus on accessibility and customer-oriented service development [3] - The personnel are committed to the bank's mission, with many employees also being shareholders, which supports their career development through diverse tasks and continuous improvement [3]

Group 1 - Oma Savings Bank Plc issues an unsecured senior-term bond of EUR 200 million with a maturity date of 2 October 2029 and a floating interest rate [2][4] - The bond issuance is part of OmaSp's EUR 4 billion bond program, which was approved by the Finnish Financial Supervisory Authority on 27 May 2025 [2][4] - The bond will be listed for public trading on Nasdaq Helsinki Ltd [3] Group 2 - The Global Coordinator and Joint Lead Manager for the bond issue is Danske Bank A/S, with other Joint Lead Managers including DekaBank Deutsche Girozentrale, Erste Group Bank AG, and Skandinaviska Enskilda Banken AB [4] - OmaSp operates 48 branch offices and digital service channels, serving over 200,000 private and corporate customers [4] - The company focuses on retail banking and offers a wide range of banking services, including credit, investment, and loan insurance products [4] Group 3 - OmaSp aims to provide personal service and maintain a close relationship with customers through both digital and traditional channels [5] - The company emphasizes premium customer experience and is committed to the continuous development of its personnel [5] - A significant portion of the staff owns shares in OmaSp, reflecting their commitment to the company [5]

Core Idea - S&P Global Ratings affirmed Oma Savings Bank Plc's credit ratings at BBB/A-2 but changed the outlook to negative due to an increase in nonperforming loans [1][2] Company Overview - Oma Savings Bank Plc is a solvent and profitable Finnish bank with approximately 600 professionals serving over 200,000 private and corporate customers through 48 branch offices and digital channels [3] - The bank focuses on retail banking operations and offers a wide range of banking services, including credit, investment, and loan insurance products, as well as mortgage banking [3] Customer Service Philosophy - The company aims to provide personal service and maintain a local presence for its customers through both digital and traditional channels [4] - OmaSp emphasizes premium customer experience through personal service and easy accessibility, with a commitment to customer-oriented development of operations and services [4] - A significant portion of the personnel owns shares in OmaSp, indicating employee investment in the company's success [4]

Group 1: Management Changes - Sasu Sihvonen has been appointed as the Chief Risk Officer (CRO) of Oma Savings Bank Plc, effective from September 1, 2025 [1] - Sihvonen brings over 25 years of experience in global financial services, having previously held senior positions at EY, Nordea Funds Ltd, and Nordea Bank [1] - The appointment is pending approval from the Finnish Financial Supervisory Authority [1] Group 2: Company Overview - Oma Savings Bank Plc is a solvent and profitable Finnish bank, serving over 200,000 private and corporate customers through 48 branch offices and digital channels [2] - The bank focuses on retail banking operations and offers a wide range of banking services, including credit, investment, and loan insurance products [2] - OmaSp emphasizes personal service and aims to provide a premium customer experience, with a commitment to customer-oriented service development [2]