contentSlug

type

ContentSlug_ContentQuery

slug

ContentPageContentQuery

content

trendingContent

query ContentSlug_ContentQuery(
  $contentSlug: String!
  $type: [ContentType!]
) {
  ...ContentPageContentQuery_13QmVO
}

fragment CompanyDetails_Content on Content {
  __isContent: __typename
  companies {
    name
    description
    pageUrl
    id
  }
}

fragment ContentBasicInfo on Content {
  __isContent: __typename
  id
  type
  title
  lang
  companies {
    viewerIsFollowing
    id
    name
    pageUrl
  }
  tags {
    viewerIsFollowing
    id
    name
    pageUrl
  }
  ...PublishingDetails
  ...Reactions
}

fragment ContentMetadata on Content {
  __isContent: __typename
  type
  title
  lang
  pageUrl
  alternatePageUrls: translations {
    __typename
    pageUrl
    lang
  }
  imgUrl
  description
  ... on Video {
    liveTime
    videoUrl
  }
  ... on Webcast {
    liveTime
    videoUrl
  }
}

fragment ContentPageContentQuery_13QmVO on Query {
  content(slug: $contentSlug, type: $type) {
    __typename
    id
    type
    title
    isPremium
    lang
    htmlBody
    summary
    companies {
      forum {
        latestPosts {
          ...ForumPosts
        }
      }
      name
      id
      viewerIsFollowing
      pageUrl
      defaultInstrument {
        isin
        id
        marketOpen
        marketClose
        marketplace {
          region
        }
        returns {
          total
        }
      }
    }
    tags {
      viewerIsFollowing
      id
      name
      pageUrl
    }
    createdAt
    ... on Video {
      liveTime
    }
    ... on Webcast {
      liveTime
    }
    slug
    ... on CompanyReport {
      reportUrl
    }
    ... on ThirdPartyCompanyReport {
      reportUrl
    }
    ... on StockExchangeRelease {
      reportUrl
    }
    ...ContentBasicInfo
    ...ContentMetadata
    ...PriceAndRecommendation_Content
    ...CompanyDetails_Content
    ...ReportLink_Content
    ...KeyFigures_Content
  }
  ...TrendingContent_1jQ2Cn
}

fragment ForumPosts on ForumPost {
  text
  likesCount
  url
  author
  postedAt
  authorImgUrl
}

fragment KeyFigures_Content on Content {
  __isContent: __typename
  companies {
    defaultInstrument {
      estimateData {
        modelType
        reportingCurrency
      }
      snapshot {
        transaction {
          date
          actualized {
            year
            quarter
            revenue
            revenueGrowth
            ebitAdjusted
            ebitReported
            ebitda
            enterpriseValue
            epsAdjusted
            dividend
            dividendYield
            sharePrice
          }
          estimates {
            year
            quarter
            revenue
            revenueGrowth
            ebitAdjusted
            ebitReported
            ebitda
            enterpriseValue
            epsAdjusted
            dividend
            dividendYield
            sharePrice
          }
        }
      }
      id
    }
    id
  }
}

fragment PriceAndRecommendation_Content on Content {
  __isContent: __typename
  createdAt
  companies {
    name
    pageUrl
    defaultInstrument {
      priceData {
        tradeCurrency
      }
      snapshot {
        priceData {
          date
          lastPrice
          tradeCurrency
        }
        transaction {
          date
          recommendation
          targetPrice
        }
        prevTransaction {
          recommendation
        }
      }
      id
    }
    id
  }
}

fragment PublishingDetails on Content {
  __isContent: __typename
  createdAt
  publishers {
    name
    imgUrl
  }
  authors {
    __typename
    id
    name
    slug
    imgUrl
    jobTitle
  }
  ... on Video {
    liveTime
  }
  ... on Webcast {
    liveTime
  }
}

fragment Reactions on Content {
  __isContent: __typename
  id
  reactionGroups {
    reactionType
    reactionsCount
    viewerReacted
  }
}

fragment ReportLink_Content on Content {
  __isContent: __typename
  type
  isPremium
  ... on CompanyReport {
    reportUrl
  }
  ... on ThirdPartyCompanyReport {
    reportUrl
  }
  ... on StockExchangeRelease {
    reportUrl
  }
}

fragment TrendingContent_1jQ2Cn on Query {
  trendingContent(type: ARTICLE) {
    __typename
    id
    title
    lang
    pageUrl
    createdAt
    type
    imgUrl
    companies {
      squareLogoUrl
      name
      id
    }
    authors {
      __typename
      imgUrl
      id
    }
    publishers {
      imgUrl
    }
  }
}


oma-savings-bank-plc-issues-an-unsecured-senior-term-bond-of-eur-50-million-as-part-of-a-bond-program

__typename

title

isPremium

lang

htmlBody

summary

companies

createdAt

publishers

authors

reactionGroups

pageUrl

translations

imgUrl

description

Oma Savings Bank is a Finnish bank that serves private and corporate customers nationwide through its branch offices and digital service channels. The company focuses primarily on retail banking operations and provides its clients banking services through its own balance sheet as well as by acting as an intermediary for its partners' products, such as credit, investment, and loan insurance products. OmaSp is also engaged in mortgage banking operations.

OmaSp’s CEO Karri Alameri spoke about his company as an investment target at the Investor 2025 event.   \n\n\n\n\nOmaSp sijoituskohteena | Sijoittaja 2025 - Inderes

Here is a new company report from Kassulta on OmaSp after Q3.   OmaSp’s Q3 result was slightly lower than our expectations, which was explained by decreased revenues. Cost development, on the other hand, was encouraging, which also led to an increase in our earnings forecasts. However, against a subdued profitability and growth outlook, the share’s pricing does not offer an attractive return expectation to counterbalance the still elevated risks. We reiterate our reduce recommendation, but raise our target price to EUR 10.0 (previously EUR 8.5) in line with our earnings forecasts. Quoted from the report: Stabilization was seen in the quality of the loan portfolio Credit losses were well in line with our expectations. Thus, the moderation seen in the previous quarter continued. Credit losses were still quite high at EUR 10 million (0.69% of the loan portfolio). The weak economic situation and liquidity, especially in the SME sector, have thus kept credit loss amounts elevated. On the other hand, no further deterioration was seen in the quality of the loan portfolio, and the amount of non-performing loans remained at 8.6% of the loan portfolio. Although far-reaching conclusions cannot yet be drawn from the development of a single quarter, the negative trend has nevertheless stabilized. In our estimation, however, the company must report decreasing or at most the observed level of credit losses for several quarters for market confidence in the stabilization of the company’s risks to improve                   Inderes              OmaSp Q3'25: Kulutason kasvu näyttää taittuvan - Inderes    OmaSp:n Q3-tulos oli hieman odotuksiamme matalampi, mikä selittyi laskeneilla tuotoilla. Kulukehitys oli sen sijaan rohkaisevaa, mikä johti myös tulosennusteidemme nousuun.

Here’s a fresh interview with Karri.                   Inderes              Oma Säästöpankki Q3’25: Toiminta vakautumassa - Inderes    Aika: 03.11.2025 klo 15.18 Oma Säästöpankin toiminta on vakautunut ja luottokannan huono kehitys taittunut. Toimitusjohtaja Karri Alameri kommentoi inderesTV:n haastattelussa.                             Topics timestamped: 00:00 Q3 01:00 Credit losses 03:35 Loan portfolio development 07:05 Cost development 08:55 Can the cost level be reduced 10:30 Lukoil sanctions

Well, now OmaSp’s interim report is out. The housing loan portfolio decreased by 3.7%. The corporate customer loan portfolio decreased by 17.9%! The deposit portfolio decreased by 0.7%. One thing I missed was the growth in customer numbers. Branches have been established, and presumably none have been closed. In addition, a corporate portfolio of a certain bank was acquired. Have customers left? How are all those lawsuits concerning the former management progressing?

In Finland, IRBA is used by major banks only by Nordea and Danske. OP reverted to using the standard method at the beginning of 2023.

Oma Säästöpankki cancels its application for a self-supervision permit for solvency risks (IRB permit). Hardly surprises anyone. Hopefully, it has also already been baked into the share price. It’s obvious that such an operator will not be practicing any kind of “independent” self-supervision for a long time. On the other hand, I assume (at least I hope) that even the purest of Finnish banking and financial institutions are always in the gently tight embrace of financial and banking supervision.                   Inderes              Sisäpiiritieto: Oma Säästöpankki Oyj lakkauttaa IRB-lupahakemusprosessin eikä...    OMA SÄÄSTÖPANKKI OYJ, PÖRSSITIEDOTE 30.10.2025 KLO 15.16, SISÄPIIRITIETO Sisäpiiritieto: Oma Säästöpankki Oyj lakkauttaa IRB-lupahakemusprosessin eikä tavoittele IRB-lupaa lähitulevaisuudessa...

Here are Kassu’s pre-earnings comments as OmaSP publishes its Q3 results on Monday morning.  We expect OmaSp’s result to have decreased from the comparison period. At this point, the decline in results is more strongly attributable to the narrowing net interest income, as profitability in the comparison period already suffered significantly from an increased cost structure. In addition, our interest, as usual, focuses on the development of credit losses and loan portfolio quality, where we do not yet expect to see a clear turn for the better due to the persistently subdued economic situation.                   Inderes              OmaSp Q3’25 -ennakko: Tulos laskee yhä - Inderes    Odotamme OmaSp:n tuloksen laskeneen vertailukaudesta. Tässä kohtaa tuloksen lasku on jo vahvemmin korkokatteen supistumisen harteilla, sillä vertailukaudella kannattavuus kärsi jo selvästi kasvaneesta kulurakenteesta.

Oma Säästöpankki

OMA SAVINGS BANK PLC, STOCK EXCHANGE RELEASE 22 AUGUST 2024 AT 18.15 P.M. EET, OTHER INFORMATION DISCLOSED TO THE RULES OF THE EXCHANGE Oma Savings Bank Plc issues an unsecured senior-term bond...

OMA SAVINGS BANK PLC, STOCK EXCHANGE RELEASE 22 AUGUST 2024 AT 18.15 P.M. EET, OTHER INFORMATION DISCLOSED TO THE RULES OF THE EXCHANGE Oma Savings Bank Plc issues an unsecured senior-term bond of EUR 50 million as part of a bond program NOT FOR RELEASE, PUBLICATION OR DISTRIBUTION, IN WHOLE OR IN PART, DIRECTLY OR INDIRECTLY, IN OR INTO THE UNITED STATES, AUSTRALIA, CANADA, HONG KONG, JAPAN, NEW ZEALAND, SINGAPORE, SOUTH AFRICA OR SUCH OTHER COUNTRIES OR OTHERWISE IN SUCH CIRCUMSTANCES IN WHICH THE OFFERING OF THE NEW NOTES, THE TENDER OFFER OR THE RELEASE, PUBLICATION OR DISTRIBUTION WOULD BE UNLAWFUL. Oma Savings Bank Plc (“OmaSp” or the “Company”) issues an unsecured senior-term bond of EUR 50 million. The maturity date of the bond is 27 February 2026, and the loan is a zero-coupon bond. The ISIN code of the bond is FI4000577960. The loan will be issued under OmaSp's EUR 3,000,000,000 bond program. The Finnish Financial Supervisory Authority (FIN-FSA) has approved the base prospectus of Oma Savings Bank on 27 March 2024 and its supplement on 24 May 2024 (“Supplement 1”) and 14 August 2024 (“Supplement 2”). The Supplement documents and the Final terms are available on the Company's website at <a href="https://www.globenewswire.com/Tracker?data=o4FzMqNT1mLm0ReTp9-Q2Ulhb_CY9OGdCjrDrD1ALYBCl6TMFBkiOZBB1oXGUxSEzjBMWFEErxkFfJu-mgjilyErDF0qW0fnd_A39MU_mgrVU_FvEDOsz2P_MHdc3Amr">https://www.omasp.fi/en/investors</a>. OmaSp will apply for admission of the covered bond to public trading on the Nasdaq Helsinki Ltd stock exchange. The Dealer ja Placing agent of the issue is SFI Markets and the Sole Lead manager is Danske Bank A/S. Borenius Attorneys Ltd acts as legal advisor. Oma Savings Bank Plc Additional information: Sarianna Liiri, CEO, tel. +358 40 835 6712, sarianna.liiri@omasp.fi Distribution: Nasdaq Helsinki Ltd Major media www.omasp.fi Oma Savings Bank in short OmaSp is a solvent and profitable Finnish bank. About 500 professionals provide nationwide services through OmaSp’s 45 branch offices and digital service channels to over 200,000 private and corporate customers. OmaSp focuses primarily on retail banking operations and provides its clients with a broad range of banking services both through its own balance sheet as well as by acting as an intermediary for its partners’ products. The intermediated products include credit, investment and loan in-surance products. OmaSp is also engaged in mortgage banking operations. OmaSp core idea is to provide personal service and to be local and close to its customers, both in digital and traditional channels. OmaSp strives to offer premium level customer experience through personal ser-vice and easy accessibility. In addition, the development of the operations and services is customer-oriented. The personnel is committed and OmaSp seeks to support their career development with versatile tasks and continuous development. A substantial part of the personnel also own shares in OmaSp. <img src="https://www.globenewswire.com/newsroom/ti?nf=MTAwMDk4Nzg0MiM0MDE5MzMxNjUjMjA4NTQyMg=="> <img src="https://ml-eu.globenewswire.com/media/NjQ3NmUyODItMmE3Ni00MWU2LTk1NjMtNmJiZmYyM2MzMmM0LTEwOTY5OTM=/tiny/Oma-S-st-pankki-Oyj.png">