Oma Savings Bank Plc (OmaSp) has released its Half-Year Financial Report for January-June 2025, indicating a significant decline in net interest income and total operating income compared to the same period in 2024. The net interest income fell by 17% to EUR 90.895 million from EUR 109.81 million, while total operating income decreased by 16% to EUR 119.414 million from EUR 141.576 million. The net fee and commission income saw a slight decrease of 2%, amounting to EUR 24.854 million compared to EUR 25.465 million in the previous year. Total operating expenses increased by 32% to EUR 65.101 million from EUR 49.389 million, driven by costs related to IT investments and system improvements for risk management and quality processes. Impairment losses on financial assets were significantly reduced by 50% to EUR 31.41 million from EUR 62.535 million. Looking ahead, OmaSp provides earnings guidance for the financial year 2025, estimating the Group's comparable profit before taxes to be between EUR 50-65 million, a decrease from EUR 86.7 million in 2024. The outlook is influenced by the decline in market interest rates and high costs due to ongoing investments. The company continues to focus on enhancing customer experience and improving operating models.