Margins
Oma Savings Bank's profitability margins have been significantly impacted by the decline in interest income, which has resulted from lower market interest rates and a decreased loan portfolio. This decrease in interest income has had a ripple effect on the bank's overall profitability, as it has reduced the bank's ability to generate revenue from its core business activities. Furthermore, the bank's efforts to manage costs have been somewhat offset by increased expenses related to non-compliance with guidelines and other one-off items, which have also contributed to the erosion of profitability margins.
Solvency
Return on Equity and Assets
The Oma savings bank's Return On Equity (ROE) in Q2 2026 is expected to be around 6.4%. Looking ahead, it appears that the bank's ROE will continue to decline over the next two years, reaching approximately 3.8% by Q4 2027. The average ROE for this period is roughly 10.1%.
The Oma savings bank's Return On Assets (ROA) in Q2 2026 is 0.6%. Looking ahead, the trend suggests a decline in ROA over the next two years, with expected values of 0.5% in Q3 and Q4 2026, followed by further decreases to 0.4% in Q1 and Q2 2027, and finally to 0.3% in Q3 and Q4 2027. The average ROA over the entire period is 0.7%.
Asset Turnover Ratio
Asset Turnover Ratio is calculated as revenue / total assets.
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