Strategy | Oma Savings Bank

The goal of the strategy is to grow the Company responsibly and profitably, utilising personalised service as a competitive advantage. OmaSp focuses on retail customers and the SME sector.

Strategy based on highly personal service

At the heart of the strategy is the Company’s promise of providing customers with the most personalised and seamless banking service in Finland across every interaction. OmaSp views personal service as a competitive advantage that differentiates the Company from other operators and supports growth in the selected customer segments.

OmaSp is directing its growth towards selected customer segments where providing personal service creates the greatest value. Among these groups, the bank aims to be the primary partner for housing finance as well as for savings, investments, and solutions for business operations.

OmaSp aims to grow responsibly and profitably by offering Finland’s best personal banking service to carefully chosen target groups. OmaSp’s biggest strength – providing highly personal, easily accessible service – remains at the core of the strategy. Even greater emphasis will be placed on good leadership and the expertise of the personnel.

Unified operating models and technology to support growth

In the upcoming strategy period, OmaSp intends to continue providing the highly personal service that is greatly valued by the Company’s customers while making broader and better use of technology and data to strengthen its service offering and improve the customer experience.

The strategy emphasises improving efficiency and harmonising operations. Utilising shared processes and a clear management model combined with increased use of data will support OmaSp’s profitable growth and ensure a top‑quality customer experience. Automation and AI will have particularly important roles in streamlining routine tasks and increasing the time that the Company’s specialists have for working with customers.

In 2025, OmaSp implemented significant changes. The Company has continued to maintain a strong presence in the everyday lives of its customers and in its 48 branches across Finland, while increasing resources in back-office and compliance functions as well as risk management. With this updated strategy, the bank is shifting focus toward promoting responsible growth.

By the end of 2029, OmaSp aims to be recognised and established nationwide as a bank that combines the highly personal service of a small bank with the reliability of a solid bank and the efficiencies that a more unified operating model allow. Another goal is to expand the Company’s fee- and commission-based business.