Oma Savings Bank

Oma Savings Bank (Oma Säästöpankki Oyj, OmaSp) is a Finnish retail and SME bank with a nationwide branch network and digital channels. The bank is listed on Nasdaq Helsinki under the ticker OMASP and is supervised by the Finnish Financial Supervisory Authority; customer deposits are protected by the Finnish Deposit Guarantee Scheme up to EUR 100,000 per depositor. Its services cover current and savings accounts, payment cards, mortgages and consumer credit, SME and agricultural financing, investment and wealth services, and online and mobile banking; the bank issues strong electronic identification credentials usable across Finnish public and private online services. Operations are focused on Finland, with the loan book concentrated in household mortgages, housing companies, and small and midsize enterprises; funding is primarily from customer deposits, supplemented by market-based instruments. The bank has grown over the past decade through mergers of regional savings banks and selective portfolio or business acquisitions, while maintaining local branches in multiple regions. Pricing for accounts, cards, payments, and lending is published in its service tariff and varies by product and customer relationship; SEPA payments, card use in the euro area, and currency conversion follow EU frameworks and network rules disclosed in the price lists. Corporate governance, risk management, capital adequacy, and financial performance are reported under IFRS in quarterly and annual releases available via investor relations, and as a listed issuer the bank publishes regulated disclosures under Finnish and EU market rules. Account opening, identification, and credit decisions are conducted under Finnish KYC/AML and responsible lending requirements, with creditworthiness assessed from income, liabilities, and payment history.