Ability to grow and operate efficiently

Profitable Finnish bank with a demonstrated ability to grow and operate efficiently

OmaSp has strongly increased its total revenues and balance sheet by offering customers a highly accessible and high-quality service in line with its strategy. OmaSp's growth has been mainly organic, but successful acquisitions have also had a positive effect on growth. A key component of profitability is an efficient operating model and organization that have enabled a low cost/income ratio. Operational efficiency, a focus on solvent customer segments that value good service and credit losses that have remained low through successful risk management have also contributed to good profitability.