Oma Säästöpankki Oyj financials
Oma Säästöpankki Oyj
Country: FI Reporting currency: EUR Latest annual report: 2024-12-31
LEI:
743700LE1ECAPXC5UT18 Financial statements
(EUR, as reported — unscaled; 101 line items across 2 annual periods)
| Line item | 2024 | 2023 |
|---|---|---|
| Income statement | ||
| Other income | €10.6M | €4.5M |
| Operating expenses | €111.0M | €90.5M |
| Employee benefits expense | €32.9M | €29.6M |
| Profit before tax | €74.6M | €138.0M |
| Income tax expense | €15.0M | €28.0M |
| Profit for the year | €59.5M | €110.1M |
| — attributable to owners | €59.5M | €110.1M |
| Total comprehensive income | €68.3M | €125.0M |
| Per share | ||
| Basic EPS | €1.80 | €3.49 |
| Diluted EPS | €1.78 | €3.47 |
| Free cash flow / share | €5.66 | €-18.43 |
| Cash flow statement | ||
| Net cash from operating activities | €197.4M | -€577.9M |
| Net cash from investing activities | -€79.3M | -€9.8M |
| Net cash from financing activities | -€313.4M | €977.0M |
| Dividends paid | €33.1M | €13.3M |
| Lease liability payments | €3.8M | €3.4M |
| Balance sheet | ||
| Total assets | €7.71B | €7.64B |
| Intangible assets & goodwill | €20.1M | €4.8M |
| Cash & equivalents | €395.6M | €682.1M |
| Total equity | €576.1M | €541.1M |
| — attributable to owners | €576.1M | €541.1M |
| Deferred tax liabilities | €35.7M | €42.9M |
| Derived metrics | ||
| Free cash flow | €189.3M | -€584.4M |
| Return on equity | 10.3% | 20.3% |
| Cash conversion ratio | 3.32× | -5.25× |
| Capex coverage | 24.25× | -88.10× |
| Other reported items | ||
| Adjustments For Decrease Increase In Loans and Advances To Banks | €0 | €45.1M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | €128.0M | -€254.0M |
| Adjustments For Decrease Increase In Other Assets | €2.8M | -€37.1M |
| Adjustments For Depreciation and Amortisation Expense and Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €8.8M | €8.4M |
| Adjustments For Fair Value Gains Losses | €4.8M | €2.1M |
| Adjustments For Gains Losses On Change In Fair Value of Derivatives | -€102.0K | -€246.0K |
| Adjustments For Income Tax Expense | €15.0M | €28.0M |
| Adjustments For Increase Decrease In Deposits From Banks | €69.9M | -€288.1M |
| Adjustments For Increase Decrease In Deposits From Customers | -€236.8M | -€289.3M |
| Adjustments For Increase Decrease In Other Liabilities | €10.9M | €28.6M |
| Adjustments For Losses Gains On Disposal of Noncurrent Assets | €39.0K | €0 |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | -€1.1M | -€1.3M |
| Adjustments To Reconcile Profit Loss Other Than Changes In Working Capital | €121.4M | €66.5M |
| Cash and Cash Equivalents If Different From Statement of Financial Position | €678.7M | €873.9M |
| Cash Flows From Used In Operations Before Changes In Working Capital | €180.9M | €176.5M |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €71.0M | €0 |
| Comprehensive Income Attributable To Owners of Parent | €68.3M | €125.0M |
| Current Tax Liabilities | €7.7M | €2.6M |
| Dated Subordinated Liabilities | €60.0M | €60.0M |
| Debt Securities | €2.67B | €2.93B |
| Deferred Tax Assets | €14.9M | €17.6M |
| Deposits From Banks | €236.6M | €165.3M |
| Deposits From Customers | €4.00B | €3.78B |
| Depreciation Amortisation and Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €8.8M | €8.4M |
| Derivative Financial Assets | €78.9M | €44.9M |
| Derivative Financial Liabilities | €11.0M | €9.5M |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | €0.36 | — |
| Dividends Received Classified As Operating Activities | €299.0K | €179.0K |
| Equity and Liabilities | €7.71B | €7.64B |
| Fee and Commission Expense | €10.5M | €9.2M |
| Fee and Commission Income | €61.2M | €56.6M |
| Fee and Commission Income Expense | €50.7M | €47.4M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €10.4M | €18.0M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €83.4M | €17.1M |
| Income Tax Relating To Components of Other Comprehensive Income | -€2.2M | -€3.7M |
| Income Tax Relating To Financial Assets Measured At Fair Value Through Other Comprehensive Income | €2.2M | €3.7M |
| Income Tax Relating To Remeasurements of Defined Benefit Plans of Other Comprehensive Income | €27.0K | €38.0K |
| Income Taxes Paid Refund Classified As Operating Activities | €16.6M | €17.8M |
| Increase Decrease In Cash and Cash Equivalents | -€195.2M | €389.3M |
| Increase Decrease Through Sharebased Payment Transactions | -€1.4M | €552.0K |
| Increase Decrease Through Transactions With Owners | -€33.3M | €51.1M |
| Increase Decrease Through Transfers and Other Changes Equity | €201.0K | €414.0K |
| Increase Decrease Through Treasury Share Transactions | €1.1M | -€1.6M |
| Intangible Assets Other Than Goodwill | €11.7M | €8.8M |
| Interest Expense | €136.5M | €125.5M |
| Interest Paid Classified As Operating Activities | €128.4M | €101.8M |
| Interest Received Classified As Operating Activities | €373.8M | €290.3M |
| Interest Revenue Expense | €213.1M | €197.0M |
| Investment Accounted For Using Equity Method | €19.5M | €24.1M |
| Issue of Equity | €0 | €65.0M |
| Issued Capital | €24.0M | €24.0M |
| Liabilities | €7.13B | €7.10B |
| Loans and Advances To Banks | €283.6M | €192.3M |
| Loans and Advances To Customers | €6.29B | €6.00B |
| Other Adjustments To Reconcile Profit Loss | €8.2M | €9.4M |
| Other Assets | €45.1M | €75.1M |
| Other Comprehensive Income | €8.8M | €14.9M |
| Other Comprehensive Income Before Tax | €11.0M | €18.6M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €133.0K | €191.0K |
| Other Expense By Nature | €69.3M | €52.5M |
| Other Inflows Outflows of Cash Classified As Financing Activities | €201.0K | €252.0K |
| Other Inflows Outflows of Cash Classified As Investing Activities | €59.0K | €0 |
| Other Liabilities | €115.8M | €113.3M |
| Other Reserves | €157.9M | €148.8M |
| Payments To Acquire Or Redeem Entitys Shares | €0 | €2.1M |
| Proceeds From Disposals of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €305.0K | €0 |
| Proceeds From Issue of Bonds Notes and Debentures | €546.5M | €1.51B |
| Proceeds From Issue of Subordinated Liabilities | €0 | €20.0M |
| Purchase of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €8.1M | €6.6M |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | -€473.0K | -€422.0K |
| Repayments of Bonds Notes and Debentures | €823.2M | €673.2M |
| Retained Earnings | €394.2M | €368.2M |
| Revenue and Operating Income | €270.1M | €247.1M |
| Revenue From Interest | €349.6M | €322.5M |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | -€1.1M | -€1.3M |
Methodology
Every line item above is a fact tagged in Oma Säästöpankki Oyj's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.