Profitable growth and solvency

OmaSp has a strong historical growth track and a balance of 2.8 billion euros. The banks strong financial position creates a solid foundation to develop business operations that serve customers.


OmaSp's Board of Directors has confirmed the following long term (3 to 5 years) financial objectives:

  • Growth
    10–15 % annual growth in total operating income under the current market conditions.
  • Profitability
    Expense-to-income ratio under 55 %.
  • Return on equity (ROE)
    Long-term return on equity (ROE) over 10 %.
  • Solvency
    Core capital ratio (CET1) at least 16 %

The Board of Directors has adopted a dividend policy pursuant to which the bank targets a steady and growing dividend with an annual dividend payout of at least 20 per cent of the previous years’ profit for the accounting period.