General economic conditions in Finland

In its business operations, OmaSp focuses on banking operations widely throughout Finland. The majority of OmaSp’s customers are private customers. In addition, OmaSp serves corporate clients, the majority of which comprise small and mid-sized companies
OmaSp's business operations are particularly affected by the development of the Finnish banking market and the general economic conditions, as well as macroeconomic factors. The Finnish banking market, in turn, is considerably affected, inter alia, by the general economic development, housing market development, prevailing interest rates, capital markets development, and other trends having an effect upon the market.