Karri Alameri OmaSp:n toimitusjohtaja Karri Alameri Jaakko Ossa OmaSp:n hallituksen puheenjohtaja Jaakko Ossa OmaSp konttori OmaSp konttori Turku OMA SAVINGS BANK PLC STOCK EXCHANGE RELEASE, 14 JANUARY 2026 AT 16.20 P.M. EET, OTHER INFORMATION DISCLOSED ACCORDING TO THE RULES OF THE EXCHANGE Oma Savings Bank Plc’s Growth Strategy for 2026–2029 The Board of Directors of Oma Savings Bank Plc (“OmaSp” or the “Company”) has approved the Company’s strategy and financial targets for the 2026–2029 peri ...

Financial Performance - Earnings per share increased to $2.28 in Q3 2025, a 30.4% year-over-year increase[5, 7, 10] - Net income reached $260.5 million in Q3 2025, up 30.4% year-over-year[5, 7, 10] - Net revenue increased to $938.2 million in Q3 2025, compared to $823.1 million in Q3 2024[5, 10] - Pre-provision net revenue (PPNR) was $393.8 million in Q3 2025, a 37.8% year-over-year increase[5, 7, 10] - Adjusted efficiency ratio decreased to 47.8% in Q3 2025, a decrease of 490 bps from Q3 2024[5, 27, 31] - Tangible book value per share increased to $58.56, a 12.7% year-over-year increase[5, 7, 36, 38] Balance Sheet and Loan Portfolio - Total loans reached $56.646 billion in Q3 2025, an increase of $3.3 billion or 6.2% year-over-year[5, 7, 36, 38] - Total deposits increased to $77.247 billion in Q3 2025, an increase of $9.2 billion or 13.5% year-over-year[5, 36, 39] - Securities and cash increased $5.6 billion, or 29.6%, over prior year to $24.6 billion[36, 39] - Non-performing loans (NPLs) to funded HFI loans ratio was 0.92%[5, 7] Asset Quality and Credit Losses - Provision for credit losses increased to $80.0 million, primarily due to a $30 million reserve related to the Cantor Group V loan[5, 9, 13] - Total loan ACL to funded loans ratio increased to 0.85%[5, 9, 59, 64]

Core Insights - Glen Burnie Bancorp reported a net loss of $212,000 for Q2 2025, compared to a net income of $153,000 in Q1 2025 and a net loss of $204,000 in Q2 2024, with a diluted loss per share of $(0.07) [2][19] - Year-to-date, the net loss was $59,000, an improvement from a net loss of $201,000 during the same period in 2024 [3] - The company is focusing on strategic initiatives to increase revenue sources and operational efficiency, despite the current net loss [4] Financial Performance - Net interest income for Q2 2025 was $2.7 million, slightly up from $2.6 million in Q1 2025 but down from $2.8 million in Q2 2024 [11][19] - The net interest margin increased to 3.13% in Q2 2025, up 13 basis points from Q1 2025, driven by improved yields on earning assets [12][21] - Non-interest income rose to $220,000 in Q2 2025 from $205,000 in Q1 2025, but decreased from $241,000 in Q2 2024 [13][19] Loan and Deposit Metrics - Total loans increased by $6.0 million in Q2 2025, reflecting an annualized growth rate of 11.5%, primarily due to growth in commercial real estate and consumer loans [5][7] - Total deposits were $317.3 million as of June 30, 2025, showing modest growth from the previous quarter [8][21] - The non-performing loans ratio was 0.51% as of June 30, 2025, a decrease of 4 basis points from March 31, 2025 [5][22] Strategic Initiatives - The company is implementing cost control measures, including an early retirement program, which resulted in non-recurring expenses of over $280,000 [4][14] - An acquisition of VA Wholesale Mortgage, Inc. is expected to close in August 2025, which will enhance the bank's mortgage banking capabilities [5][10] - A new credit card program was launched in June 2025 to attract new customers and enhance service offerings [5][13] Capital and Liquidity - Regulatory capital ratios remain above the well-capitalized minimum levels, with a Tier I Risk-Based Capital Ratio of 14.91% as of June 30, 2025 [11][22] - The bank maintains strong liquidity with $31.4 million in borrowing capacity from the FHLB and additional access to wholesale funding [10][11] - The allowance for loan losses stood at 1.21% of loans, indicating a conservative approach to credit risk management [6][22]

Financial Performance - Net income for the second quarter of 2025 was $264 million, with diluted earnings per share of $093[16] - The company's return on average assets (ROAA) was 128%, and the pre-tax pre-provision ROAA (PTPP ROAA) was 182% for Q2 2025[16] - Total revenue for Q2 2025 reached $1056 million, a 97% increase compared to Q1[16] - The net interest margin (NIM) remained strong at 407% for Q2 2025[16] - For the first half of 2025, net income was $500 million, with diluted earnings per share of $177[14] - Total revenue for the first half of 2025 was $2018 million, a 63% increase from the same period in 2024[14] Loan and Deposit Trends - Average loan growth was 107% annualized in Q2 2025[16] - Average deposit growth was 183% annualized in Q2 2025[16] - The loan-to-deposit ratio was 916%[16] - Total deposits as of June 30, 2025, were $71 billion[7] - Total loans as of June 30, 2025, were $65 billion[7] Asset Quality - Net charge-offs to average loans were 083% in Q2 2025[16] - Nonperforming loans (NPLs) trended down 30%[55] Capital and Liquidity - The Common Equity Tier 1 (CET1) ratio was 1378%[14] - The company has $35 billion in immediate borrowing availability[64]

Financial Performance - Earnings per share increased to $2.07 in Q2 2025, compared to $1.79 in Q1 2025 and $1.75 in Q2 2024[5] - Net income reached $237.8 million in Q2 2025, a 22.8% year-over-year increase[5, 6] - Net revenue increased to $845.9 million in Q2 2025, compared to $778.0 million in Q1 2025 and $771.8 million in Q2 2024[5] - Pre-Provision Net Revenue (PPNR) was $331.2 million in Q2 2025, a 16.2% year-over-year increase[5, 6] - Tangible book value per share increased to $55.87, a 14.5% year-over-year increase[5, 6] Balance Sheet and Capital - Total loans increased to $55.939 billion in Q2 2025, a $3.5 billion or 6.7% increase year-over-year[5, 6, 39] - Total deposits increased to $71.107 billion in Q2 2025, a $4.9 billion or 7.3% increase year-over-year[5, 35] - CET1 ratio stood at 11.2% in Q2 2025[5, 6] Asset Quality - Provision for credit losses was $39.9 million in Q2 2025[5] - Net loan charge-offs were $29.6 million in Q2 2025, representing 0.22% of average loans[5] - Non-Performing Loans (NPLs) represented 0.76% of funded HFI loans in Q2 2025[5, 6] Net Interest Income and Margin - Net interest income increased by $47.0 million, or 7.2%, primarily due to a higher average balance of interest earning assets[9, 23] - Net Interest Margin (NIM) increased to 3.53%[5, 23] Non-Interest Expense and Efficiency - Adjusted efficiency ratio (excluding deposit costs) decreased to 51.8%[5, 29] - Deposit costs increased by $10.6 million to $147.4 million[29] Loan Composition - Commercial & Industrial (C&I) loans comprised 44.6% of the loan portfolio, totaling $24.9 billion[39]

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].

Financial Performance - FirstSun Capital Bancorp reported a net income of $23.6 million and diluted earnings per share of $0.83 for Q1 2025[14] - The company's Return on Average Assets (ROAA) was 1.20%, and the Pre-Tax Pre-Provision Return on Average Assets (PTPP ROAA) was 1.70%[14] - The Net Interest Margin (NIM) remained strong at 4.07%[14] - Service fee income accounted for 22.6% of total revenue[14] Loan and Deposit Trends - Average loan portfolio experienced a decline of 2.6% annualized, excluding loans held for sale[14] - Average deposit growth was 1.0% annualized[14] - The loan-to-deposit ratio stood at 94.3%[14] - Total assets reached $8.2 billion, total deposits amounted to $6.9 billion, and total loans reached $6.5 billion[7] Strategic Focus and Outlook - The company operates in 5 of the top 10 fastest-growing MSAs and has a presence in 7 of the 10 largest MSAs in the Southwest & Western US[7] - For the full year 2025, the company anticipates a mid-single-digit growth rate for both loans and deposits[60] - The company expects the efficiency ratio to be in the mid-60s for the year[60]

Financial Performance - The company reported net income of $87935000, or $127 per diluted share in 1Q25[16] - The company's return on average assets (ROA) was 136% in 1Q25[15] - The company's efficiency ratio improved to 5283% in 1Q25, compared to 5564% in 1Q24[15] - The company's tangible book value (TBV) grew by $119 per share to $3978 at the end of 1Q25, representing an annualized growth rate of 125%[15] Deposits and Capital - Noninterest-bearing deposits remained strong, accounting for 308% of total deposits as of March 31, 2025[15] - The company's CET1 ratio was 129%[8] Loan Portfolio and Credit Quality - The allowance for credit losses increased to 167% of loans[8] - The company's loan portfolio is diversified, with total loans of $207 billion[47] - Criticized loans were reduced by $444 million, a decrease of 157%[15]

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]