Core Proposal - The Shareholders' Nomination Committee proposes to elect eight members to the Board of Directors of Oma Savings Bank Plc, increasing from seven members in 2025 [1] - Current Board members Juhana Brotherus, Irma Gillberg-Hjelt, Jaakko Ossa, Carl Pettersson, Kati Riikonen, and Juha Volotinen are proposed for re-election [1] - Eeva Ahdekivi and Jens Jensen are proposed as new members of the Board [2] Board Member Details - Eeva Ahdekivi has extensive experience in investment banking and has held various significant roles, including Chief Investment Officer at Solidium and CEO of Hartwall Capital [3] - Jens Jensen is the CEO of Suvia Group Oy and has a background in leading service and insurance operations, previously serving in management positions at several companies [4] Remuneration Proposal - The proposed annual fees for Board members are as follows: Chair of the Board: EUR 85,000, Vice Chair: EUR 60,000, Other members: EUR 40,000 [5] - Additional annual fees for committee chairs are: Remuneration Committee: EUR 6,000, Risk Committee: EUR 9,000, Audit Committee: EUR 9,000 [6] - Meeting fees are proposed at EUR 1,000 for Board and committee meetings, and EUR 500 for email meetings [6] - 25% of annual fees will be paid in shares of Oma Savings Bank Plc, with the remainder in cash, and the company will cover the costs of acquiring shares [6] Additional Information - The Shareholders' Nomination Committee will cover travel expenses and other direct costs related to Board work [7] - The committee is chaired by Raimo Härmä, with members appointed by various savings bank foundations [8] - Oma Savings Bank Plc is a solvent and profitable Finnish bank, providing services through 48 branches and digital channels to over 200,000 customers [9] - The bank focuses on retail banking and aims to provide a premium customer experience through personal service [10]

OMA SAVINGS BANK, PLC STOCK EXCHANGE RELEASE 26 FEBRUARY 2026 AT 15.00 P.M. OTHER INFORMATION DISCLOSED TO THE RULES OF THE EXCHANGE The Board of Directors of Oma Savings Bank Plc commences a new plan period of the employee share savings plan PLAN PERIOD 2026-2029, EMPLOYEE SHARE SAVINGS PLAN The Board of Directors of Oma Savings Bank Plc (“Company” or “OmaSp”) has decided to continue the employee share savings plan (“ESSP”) established in February 2024. The details of the new plan period correspond to the ...

Core Idea - Oma Savings Bank Plc has repurchased and cancelled its outstanding covered bond notes maturing in 2026, totaling EUR 50,000,000, to optimize its financing structure [1][2] Financial Impact - The repurchase will reduce the company's interest expenses and financing risk, while strengthening its credit profile [2] - Following the cancellation, the outstanding nominal amount of the bond will be EUR 550,000,000 [2] Future Plans - The company may continue secondary repurchases if market conditions allow, ensuring the total amount of the bond note remains at or above EUR 500,000,000 [2] Company Overview - OmaSp is a solvent and profitable Finnish bank, serving over 200,000 private and corporate customers through 48 branch offices and digital channels [3] - The bank focuses on retail banking operations and offers a wide range of banking services, including credit, investment, and loan insurance products, as well as mortgage banking [3] Customer Service Philosophy - The core idea of the company is to provide personal service through both digital and traditional channels, aiming for a premium customer experience [4] - The company emphasizes customer-oriented development of operations and services, with a committed personnel who are supported in their career development [4]

Core Viewpoint - Oma Savings Bank Plc reported a decline in profits for the year 2025, with significant changes in risk management and operational processes, while aiming for stable growth despite a challenging economic environment [2][15]. Financial Performance - The comparable profit before taxes for Q4 2025 was EUR 17.2 million, down from EUR 27.9 million in Q4 2024, reflecting a 39% decrease [3][20]. - For the full year 2025, the comparable profit before taxes was EUR 56.9 million, a decline of 34% from EUR 86.7 million in 2024 [17][23]. - Net interest income fell by 26.3% in Q4 2025 to EUR 37.5 million, and decreased by 20.9% for the full year [5][18]. Cost Management - The cost-to-income ratio for Q4 2025 was 63.9%, up from 52.9% in Q4 2024, indicating increased operational costs [19][20]. - Comparable operating expenses decreased by 5.7% in Q4 2025, totaling EUR 30.5 million, but personnel expenses rose by 16.8% [4][19]. - Total operating expenses for the year increased by 10.9%, with personnel expenses rising by 28.5% [19]. Loan and Deposit Portfolio - The mortgage loan portfolio decreased by 3.2% over the past 12 months, while the SME customer loan portfolio fell by 19.9% [6][17]. - The deposit portfolio also saw a decline of 3.0% over the past year, primarily due to changes in deposits from individual SME customers [7][17]. Impairment and Risk Management - Impairment losses on financial assets decreased by 26.2% in Q4 2025, amounting to EUR -5.6 million, and total impairment losses for the year were EUR -47.1 million [8][19]. - The controlled winding down portfolio related to non-compliance with guidelines decreased from EUR 240 million to EUR 180 million, representing 3.2% of the total loan portfolio by year-end [9][19]. Customer and Employee Satisfaction - Customer satisfaction improved, with the Net Promoter Score (NPS) rising to 40 from 37 in the previous year [10]. - Employee satisfaction was reported at 4.15 out of 5 in the annual survey conducted at the end of 2025 [12]. Capital Position - The total capital ratio strengthened to 19.3% at year-end, up from 15.6% in 2024, indicating a solid capital position [13][20]. - Common Equity Tier 1 (CET1) capital ratio also improved to 18.3% from 14.4% [20]. Strategic Outlook - The company aims to be recognized as a reliable bank combining personal service with operational efficiency, focusing on expanding fee and commission-based business [14]. - For 2026, the company expects a slight decline in comparable profit before taxes, stable cost development, and lower impairment losses compared to 2025 [15][21][23].

Core Viewpoint - The Financial Supervisory Authority has initiated a hearing procedure regarding potential administrative sanctions against Oma Savings Bank Plc due to suspected violations of market regulations related to insider lists [1][2]. Group 1: Investigation and Sanctions - The Financial Supervisory Authority has filed a request for a police investigation concerning suspected securities market offences related to Oma Savings Bank, which was concluded without criminal sanctions being requested [1]. - The Authority suspects that Oma Savings Bank may have violated provisions of the Market Abuse Regulation and Commission Implementing Regulation [2]. - The Authority is considering whether conditions for imposing a penalty payment are met, but may also opt to issue a public warning instead [3]. Group 2: Company Response and Future Actions - Oma Savings Bank has been given the opportunity to comment on the Financial Supervisory Authority's views before a resolution is made [4]. - The Company plans to evaluate the Authority's views and respond accordingly, and will publish the decision and its implications once received [4]. Group 3: Company Overview - Oma Savings Bank is a solvent and profitable Finnish bank, serving over 200,000 private and corporate customers through 48 branch offices and digital channels [5]. - The bank focuses on retail banking operations and offers a wide range of banking services, including credit, investment, and loan insurance products [5]. - The core idea of the bank is to provide personal service through both digital and traditional channels, aiming for a premium customer experience [6].

Core Idea - Oma Savings Bank Plc (OmaSp) will publish its Financial Statements Release for 2025 on 12 February 2026, with a webcast presentation by CEO Karri Alameri [1][2] Company Overview - OmaSp is a solvent and profitable Finnish bank, employing around 600 professionals and serving over 200,000 private and corporate customers through 48 branch offices and digital channels [2] - The bank focuses primarily on retail banking operations, offering a wide range of banking services, including credit, investment, and loan insurance products, as well as mortgage banking [2] Customer Service Approach - The core idea of OmaSp is to provide personal service to customers through both digital and traditional channels, aiming for a premium customer experience [3] - The development of operations and services is customer-oriented, with a commitment to supporting personnel career development through versatile tasks and continuous development [3] - A significant portion of the personnel also owns shares in OmaSp, indicating employee investment in the company's success [3]

Core Viewpoint - Oma Savings Bank Plc (OmaSp) is hosting a Capital Markets Day on May 19, 2026, to provide insights into its strategy, business priorities, and long-term value creation [1]. Group 1 - The event will take place in Helsinki and will be a hybrid format, allowing for both in-person attendance and live webcast [1]. - Senior management will present the company's strategic direction, financial targets, and market outlook during the event [1]. - Further details, including the agenda and registration information, will be provided closer to the event date [2].

Core Idea - Oma Savings Bank Plc (OmaSp) is the fastest growing bank in the Nordic countries and is recognized as Finland's most profitable bank [2] Group 1: Company Overview - OmaSp operates with approximately 600 professionals across 45 branch offices and digital service channels, serving over 200,000 private and corporate customers [2] - The bank focuses primarily on retail banking operations, offering a wide range of banking services through its own balance sheet and as an intermediary for partner products, including credit, investment, and loan insurance products [2] - OmaSp is also involved in mortgage banking operations [2] Group 2: Customer Service and Development - The core idea of OmaSp is to provide personal service and maintain a close relationship with customers through both digital and traditional channels [3] - The bank aims to deliver a premium customer experience by emphasizing personal service and easy accessibility [3] - OmaSp is committed to the continuous development of its personnel, supporting their career growth through diverse tasks and ongoing training, with a significant portion of the staff also owning shares in the bank [3] Group 3: Shareholder Information - On January 20, 2026, OmaSp returned a total of 17,326 shares to itself as part of the share-based incentive scheme for 2022-2023, bringing the total number of own shares held in treasury to 149,526 [1]

Core Viewpoint - Oma Savings Bank Plc ("OmaSp") has approved its growth strategy and financial targets for the period 2026–2029, focusing on responsible and profitable growth through personalized service as a competitive advantage [4][8]. Financial Targets - OmaSp aims to pay steady and growing dividends of at least 30% of the net profit for the financial year, with the capacity to pay additional dividends [5]. Strategy Overview - The strategy emphasizes providing the most personalized and seamless banking service in Finland, targeting retail customers and the SME sector [6][7]. - The bank aims to be the primary partner for housing finance, savings, investments, and business solutions [7]. Service and Technology - OmaSp plans to enhance its personal service while leveraging technology and data to improve customer experience [9]. - The strategy includes improving efficiency and harmonizing operations through shared processes and a clear management model, with automation and AI playing key roles [10]. Growth and Recognition Goals - By the end of 2029, OmaSp aims to be recognized as a bank that combines personal service with reliability and efficiency, while also expanding its fee- and commission-based business [12]. Capital Markets Day - OmaSp is planning a Capital Markets Day for investors and analysts on 19 May 2026, where key priorities for the 2026–2029 strategy will be presented [13]. Company Profile - OmaSp is the fastest growing and most profitable bank in Finland, serving over 200,000 customers through 45 branches and digital channels [14]. - The bank focuses on retail banking and offers a wide range of services, including mortgage banking operations [14]. Performance Metrics - Comparable ROE is over 14%, cost-to-income ratio is below 50%, annual growth in fee and commission income is over 10%, and Net Promoter Score is over 50 [16].

Core Idea - Oma Savings Bank Plc has completed an investigation related to securities market offences, with no claims for sanctions against the company [1] Company Overview - OmaSp is a solvent and profitable Finnish bank, serving over 200,000 private and corporate customers through 48 branches and digital channels [2] - The bank focuses on retail banking operations, offering a comprehensive range of services including credit, investment, and loan insurance products [2] - OmaSp is also engaged in mortgage banking operations [2] Customer Service Philosophy - The core idea of OmaSp is to provide personal service and maintain a close relationship with customers through both digital and traditional channels [3] - The bank aims to deliver a premium customer experience through personal service and easy accessibility [3] - OmaSp is committed to the career development of its personnel, with many employees also being shareholders in the company [3]