Credit Risk
Due to exposure to real estate and construction sectors
- Materiality
- high
Oma Säästöpankki Oyj
Oma Säästöpankki, also known as OmaSp, is a Finnish savings bank that provides comprehensive banking services with a focus on excellent customer service and efficient risk management. The bank offers a wide range of digital and traditional banking services, aiming to be close to its customers both physically and through digital channels. OmaSp has a strong presence in Finland, with a network of branches in key growth and regional centers, and it is committed to sustainable and profitable growth.
593
| % | |
|---|---|
| Banking Services | 50% Includes personal and business banking solutions |
| Digital Solutions | 20% Comprises digital banking and online services |
| Loans | 15% Offers personal and business loans |
| Savings and Investments | 10% Includes savings accounts and investment products |
| Risk Management | 5% Focuses on managing financial risks |
OmaSp serves both personal and business customers across Finland. Personal customers benefit from a range of banking...
- Personal Customersprimary
Use banking services for personal finance management
- Business Customersprimary
Require loans and financial solutions for business operations
- Digital Usersemerging
Prefer digital banking services for convenience
OmaSp operates primarily in Finland, with a strong presence in key growth and regional centers...
- •Headquartered in Lappeenranta, Finland
- •Branch network across key Finnish cities
- •New branches in Kuopio, Vaasa, and Vantaa
- •Focus on regional growth centers
- •Strong presence in both urban and rural areas
OmaSp's strategic priorities include sustainable and profitable growth, enhancing customer satisfaction, and expanding...
01
Digital Transformationmedium-term
To improve service delivery and customer experience
02
Branch Network Expansionlong-term
To increase accessibility and market reach
03
Customer Satisfactionshort-term
To maintain high ratings and loyalty
OmaSp faces several risks, including credit risk from its loan portfolio, particularly in the real estate and...
Economic Uncertainty
Affects loan quality and repayment capacity
- Materiality
- high
Interest Rate Risk
Fluctuations can affect net interest income
- Materiality
- medium
Revenue Recognition
high
Credit Loss Estimation
medium
Fair Value Measurements
medium
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: 11/08/2026