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 - Oma Savings Bank Plc will publish its Half-Year Financial Report for January-June 2025 on 4 August 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 [1] - The bank operates 48 branch offices and digital service channels, serving over 200,000 private and corporate customers [2] Group 2 - OmaSp focuses primarily on retail banking operations, providing a broad range of banking services through its own balance sheet and as an intermediary for partners' products [2] - The bank emphasizes personal service and aims to offer a premium customer experience through both digital and traditional channels [3] - A significant portion of the personnel owns shares in OmaSp, indicating employee commitment and investment in the company's success [3]