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Oma Säästöpankki (OMASP) investor relations material
Oma Säästöpankki Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary4 Aug, 2025
Executive summary
Net interest income declined 16.1% in Q2 and 17.2% for January–June year-over-year, mainly due to lower market interest rates and a shrinking loan portfolio.
Operating expenses rose 31.7% in Q2, driven by increased personnel, branch expansion, and risk management investments.
Profit before taxes in Q2 was €18.6m (up from €4.5m), but for January–June fell to €21.7m from €29.2m year-over-year.
The cost/income ratio worsened to 52.7% in Q2 and 55.1% for the half-year, reflecting higher costs.
The bank’s financial position remains strong, with a total capital ratio of 18.7% and equity of €591m.
Financial highlights
Q2 net interest income: €44.0m (down 16.1% year-over-year); H1 net interest income: €90.9m (down 17.2%).
Q2 total operating income: €59.3m (down 12.1%); H1: €119.4m (down 15.7%).
Q2 operating expenses: €30.9m (up 31.7%); H1: €65.1m (up 31.8%).
Q2 impairment losses on financial assets: €-9.1m (improved from €-39.4m); H1: €-31.4m (improved from €-62.5m).
Q2 profit before taxes: €18.6m (up from €4.5m); H1: €21.7m (down from €29.2m).
Q2 EPS: €0.44 (up from €0.10); H1 EPS: €0.52 (down from €0.70).
Outlook and guidance
Earnings guidance for 2025 was lowered; comparable profit before taxes now estimated at €50–65m (was €86.7m in 2024).
High cost levels expected to persist due to risk management investments, increased headcount, and regulatory compliance.
Fee and commission income growth expected to slow in the current economic environment.
What is the expected duration and cost of FIN-FSA action plans?
Update on non-compliant portfolio winding down
Path to target cost/income ratio?
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Next Oma Säästöpankki earnings date
Q3 20253 Nov, 2025
Next Oma Säästöpankki earnings date
Q3 20253 Nov, 2025
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Frequently asked questions
Oma Säästöpankki Oyj is a savings bank that provides banking services to private customers, small and medium-sized enterprises and agriculture and forestry entrepreneurs. Oma Säästöpankki also offers other financial services such as bill pay solutions, leasing/financing solutions and life insurance solutions. The company was founded in 2009 and is headquartered in Lappeenranta, Finland.
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