Core Viewpoint - Oma Savings Bank Plc has initiated a new employee share savings plan (ESSP) for the period 2026-2029, continuing from the previous plan established in February 2024 [1][2]. Employee Share Savings Plan (ESSP) Overview - The ESSP allows employees to invest a portion of their salary in the company's shares, aiming to align the interests of shareholders and employees to enhance long-term company value [2]. - The plan consists of annual savings periods of 12 months, followed by a holding period of approximately two years, during which employees can subscribe to shares at a 10% discount [3]. Performance and Rewards - Participants can earn matching shares based on performance criteria, with one free matching share for every two savings shares if performance targets are met, or one matching share for every three savings shares if not [4]. - The rewards will be distributed partly in shares and cash after the holding period, with the cash portion intended to cover taxes and social security contributions [5]. Deferred Compensation for Risk-Taking Positions - For employees in risk-taking positions, rewards will be paid in a deferred schedule over approximately four years, with a one-year retention period for the shares received [6]. Participation and Financial Implications - The ESSP will be available to around 610 employees, including management and the CEO [7]. - The gross value of matching shares for the third plan period is capped at approximately EUR 1,900,000, equating to a maximum of about 134,000 shares at a share price of EUR 13.25 [8]. Company Profile - Oma Savings Bank Plc is a solvent and profitable Finnish bank, serving over 200,000 customers through 48 branches and digital channels [10]. - The bank focuses on retail banking and aims to provide a premium customer experience through personal service and accessibility [11].

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]