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.
Fiscal year 2025 · change from previous year
Development 2021–2025
Business
Share of revenueIncludes personal and business banking solutions
Comprises digital banking and online services
Offers personal and business loans
Includes savings accounts and investment products
Focuses on managing financial risks
Customers
OmaSp serves both personal and business customers across Finland. Personal customers benefit from a range of banking services tailored to individual needs, including loans, savings, and investment options. Business customers, particularly small and medium-sized enterprises (SMEs), rely on OmaSp for comprehensive financial solutions that support their growth and operational needs. The bank's focus on customer satisfaction and personalized service has earned it high ratings in customer satisfaction surveys. However, there is room for improvement in catering to business clients, which the bank is actively addressing.
Use banking services for personal finance management
Require loans and financial solutions for business operations
Prefer digital banking services for convenience
Strategy
OmaSp's strategic priorities include sustainable and profitable growth, enhancing customer satisfaction, and expanding its digital and physical presence. The bank aims to offer the best customer service in the industry while managing risks effectively. OmaSp is investing in digital transformation to improve service delivery and customer experience. The bank is also focused on expanding its branch network to increase accessibility and market reach.
To improve service delivery and customer experience
To increase accessibility and market reach
To maintain high ratings and loyalty
Geography
OmaSp operates primarily in Finland, with a strong presence in key growth and regional centers. The bank's headquarters is located in Lappeenranta, and it maintains a network of branches across the country, including new locations in Kuopio, Vaasa, and Vantaa. This geographic spread allows OmaSp to be close to its customers, offering both in-person and digital services. The bank's expansion into new areas is part of its strategy to increase market share and enhance customer accessibility.
Risks
OmaSp faces several risks, including credit risk from its loan portfolio, particularly in the real estate and construction sectors. The bank is also exposed to interest rate fluctuations, which can impact its net interest income. Economic uncertainty in Finland poses a risk to loan quality and customer repayment capacity. Additionally, the bank must manage operational risks associated with digital transformation and cybersecurity threats. Effective risk management processes are in place to mitigate these risks and ensure financial stability.
- Credit RiskImpact: HighLikelihood: Low
Due to exposure to real estate and construction sectors
- Economic UncertaintyImpact: High
Affects loan quality and repayment capacity
- Interest Rate RiskImpact: MediumLikelihood: Low
Fluctuations can affect net interest income
Accounting
Judgemental itemsTiming affects reported income and comparability
Impact: high
Impacts financial results and risk management
Impact: medium
Require significant management judgment
Impact: medium
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Last updated: 24/09/2026