Logotype for Oma Säästöpankki Oyj

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.
Logotype for Oma Säästöpankki Oyj
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.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Oma Säästöpankki earnings date

Logotype for Oma Säästöpankki Oyj
Q3 20253 Nov, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Oma Säästöpankki earnings date

Logotype for Oma Säästöpankki Oyj
Q3 20253 Nov, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

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.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage