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Oma Säästöpankki (OMASP) investor relations material
Oma Säästöpankki Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary3 Nov, 2025
Executive summary
Q3 2025 profit before taxes was €15.5M, down from €22.8M YoY; comparable profit before taxes was €16.1M, down from €27.6M YoY.
For Jan–Sep 2025, profit before taxes was €37.2M (vs. €52.0M YoY); comparable profit before taxes was €39.7M (vs. €58.7M YoY).
Net interest income fell 23.2% in Q3 and 19.2% YTD due to a smaller loan portfolio and lower market rates.
Operating expenses rose 19.3% YTD, mainly from higher personnel costs and risk management investments.
Total capital ratio improved to 19.2% (from 15.6%).
Financial highlights
Q3 total operating income: €53.1M, down 17.2% YoY; YTD: €172.5M, down 16.1%.
Net interest income Q3: €40.2M (–23.2% YoY); YTD: €131.1M (–19.2%).
Net fee and commission income Q3: €12.5M (+2.5% YoY); YTD: €37.3M (–0.8%).
Operating expenses Q3: €26.8M (–3.1% YoY); YTD: €91.9M (+19.3%).
Impairment losses Q3: €–10.1M (–23.8% YoY); YTD: €–41.5M (–45%).
Cost/income ratio Q3: 51.1% (43.4% YoY); YTD: 53.9% (37.6% YoY).
EPS Q3: €0.37 (vs. €0.55 YoY); YTD: €0.89 (vs. €1.26 YoY).
Outlook and guidance
2025 earnings guidance lowered: comparable profit before taxes expected at €50–65M (vs. €86.7M in 2024).
High cost level to persist due to risk management, quality process investments, and increased headcount.
Fee and commission income growth expected to slow in current economic environment.
What drove the IRB application discontinuation?
Detail the NPL reduction strategy and timeline
When will cost/income ratio improve to target?
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Next Oma Säästöpankki earnings date
Q4 202512 Feb, 2026
Next Oma Säästöpankki earnings date
Q4 202512 Feb, 2026
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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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