OMA SAVINGS BANK PLC, STOCK EXCHANGE RELEASE 8 MAY 2025 AT 16.00 P.M. EET, MANAGERS’ TRANSACTIONS Oma Savings Bank Plc - Managers' transactions - Ossa____________________________________________ Person subject to the notification requirementName: Ossa, JaakkoPosition: Member of the Board/Deputy memberIssuer: Oma Savings Bank PlcLEI: 743700LE1ECAPXC5UT18 Notification type: INITIAL NOTIFICATIONReference number: 107552/5/4____________________________________________ Transaction date: 2025-05-08Venue: XHELInstr ...

Core Viewpoint - Oma Savings Bank Plc reported a challenging first quarter for 2025, with high costs and declining market interest rates negatively impacting financial results. The bank is focused on strengthening its operations and customer relationships moving forward [3][4][5]. Financial Performance - The comparable profit before taxes for Q1 2025 was EUR 4.6 million, a significant decrease from EUR 25.6 million in the same period last year [4][12]. - The cost/income ratio for the quarter was 54.4%, compared to 34.1% in the previous year, indicating increased operational costs [12][13]. - Net interest income fell by 18.3% year-over-year to EUR 46.9 million, primarily due to lower market interest rates [6][12]. - Total operating income decreased by 18.9% to EUR 60.1 million, while total operating expenses increased by 31.9% to EUR 34.2 million [12][13]. Cost Structure - The rise in costs is largely attributed to the implementation of the risk management action plan (Noste), which incurred total investments of EUR 11.6 million [5][12]. - Impairment losses on financial assets totaled EUR -22.3 million, with one-third related to updates in the expected credit loss (ECL) calculation model [8][12]. Customer and Market Position - The mortgage loan portfolio grew by 3.0%, the corporate loan portfolio by 0.4%, and the deposit base by 2.7% compared to the previous year [7][12]. - Customer satisfaction remains high, with the bank gaining 10,000 new customers following the acquisition of Handelsbanken [10][11]. Outlook and Guidance - The bank maintains its earnings guidance for 2025, expecting comparable profit before taxes to be between EUR 65 million and EUR 80 million, likely below the midpoint of this range [14][17]. - The ongoing economic uncertainty and declining market interest rates are expected to continue affecting the bank's performance [15][17].

Core Insights - Oma Savings Bank Plc reported a challenging first quarter in 2025, with high costs and declining market interest rates negatively impacting results [1][2] - The bank's comparable profit before taxes for Q1 2025 was EUR 4.6 million, a significant decrease from EUR 25.6 million in the same period last year [3][12] - The company is focused on strengthening its operations and customer relationships while addressing the challenges posed by increased costs and regulatory scrutiny [2][10] Financial Performance - The net interest income decreased by 18.3% year-on-year, totaling EUR 46.9 million, primarily due to lower market interest rates [5][13] - Total operating income fell by 19% compared to the previous year, amounting to EUR 60.1 million [12][13] - Total operating expenses increased by 31.9%, driven by costs associated with the risk management action plan and personnel growth [13][14] Risk Management and Provisions - Impairment losses on financial assets totaled EUR -22.3 million, with one-third related to updates in the expected credit loss (ECL) calculation model [7][13] - A provision of EUR 3.0 million was made in anticipation of potential sanctions from the Finnish Financial Supervisory Authority (FIN-FSA) due to identified deficiencies [8][15] Customer and Employee Engagement - Customer and employee satisfaction levels remain high, with the bank gaining 10,000 new customers following the acquisition of Handelsbanken [9][10] - The bank has a strong customer base of over 200,000 and continues to focus on providing personalized services [9][20] Outlook and Guidance - The company maintains its earnings guidance for 2025, expecting comparable profit before taxes to be between EUR 65–80 million, likely below the midpoint of this range [15][18] - The outlook is influenced by ongoing high costs related to IT investments and the uncertain economic environment [16][18]

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] Customer Service and Experience - The core idea of OmaSp is to provide personal service and maintain a local presence for customers, both digitally and traditionally [3] - The bank aims to deliver a premium customer experience through personalized service and easy accessibility, with a strong emphasis on 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 Financial Reporting - Oma Savings Bank Plc will publish its interim report for January-March 2025 on 5 May 2025, with results presented by CEO Karri Alameri [1] - A Finnish-language webcast will be held on the same day at 11.00 EET, and the recording will be available later on the company's website [1]

OMA SAVINGS BANK PLC, STOCK EXCHANGE RELEASE, 27 MARCH 2025 AT 17.30 P.M EET, CHANGES BOARD/MANAGEMENT/AUDITORS Oma Savings Bank Plc’s Chief Communications Officer Changes Chief Communications Officer of Oma Savings Bank (OmaSp or the Company) Minna Sillanpää will leave the Company as of 27 March 2025. MMM, MBA Pirjetta Soikkeli has been appointed as new Chief Communications Officer, starting on 7 July 2025 at the latest. CEO Sarianna Liiri:“I would like to extend my sincere gratitude to Minna for her long ...

OMA SAVINGS BANK PLC STOCK EXCHANGE RELEASE, 27 MARCH 2025 AT 17.00 P.M EET, CHANGES BOARD/MANAGEMENT/AUDITORS Karri Alameri starts as the CEO of Oma Savings Bank Plc on 31 March 2025 On 30 September 2024, Oma Savings Bank Plc (OmaSp or Company) announced that the Company’s Board of Directors has appointed Karri Alameri, B.Sc. (Econ.), CEFA as the new CEO of the Company and that he will take up his position no later than 1 April 2025. The starting date has been specified, and Karri Alameri will start in hi ...