Alisa Bank

ALISA BANK PLC STOCK EXCHANGE RELEASE 12.2.2026 AT 16.40 EET

Alisa Bank Plc's shareholders are invited to the Company's Annual General Meeting, which will be held on 19 March 2026 at 12:00 a.m. EET at the address Jura-Sali, Kasarmikatu 21 B, Helsinki.

Instructions for participating in the Annual General Meeting can be found in part C. of this invitation and on the company’s website at www.alisabank.com/annual-general-meeting-2026

A. Items on the agenda of the General Meeting

1. Opening of the meeting

2. Calling the meeting to order

3. Election of persons to scrutinise the minutes and to supervise the counting of votes

4. Recording the legality of the meeting

5. Recording attendance at the meeting and adoption of the list of votes

6. Presentation of the 2025 financial statements, the Report by the Board of Directors, and the Auditor's Report

• Presentation by the CEO

7. Adoption of the parent company’s and Group’s financial statements and the Report by the Board of Directors

8. Resolution on the use of the profit shown in the balance sheet and the payment of dividend

According to the financial statements, the parent company´s distributable assets on December 31, 2025 totaled to EUR 1 360 647,31. The Board of Directors proposes to the Annual General Meeting of Shareholders that no dividend will be distributed for the financial year 2025.

9. Resolution on the discharge from liability of the members of the Board of Directors, the CEO and the deputy CEO

10. Remuneration Report for year 2025
    
The Board of Directors proposes to the Annual General Meeting that the Remuneration Report for the Company’s Governing Bodies be confirmed for the year 2025.

The resolution concerning the Remuneration Report is advisory in nature. The Remuneration Report is available on the company’s website at www.alisabank.com/annual-general-meeting-2026 no later than 26 February 2026.

11. Resolution on the Remuneration for the Members of the Board

The Shareholders' Nomination Board proposes to the Annual General Meeting that the fixed monthly fee of the Board Members be determined as an annual remuneration and paid once a year.

The Shareholder's Nomination Board proposes that the annual remuneration is following until the Annual General Meeting 2027.

• EUR 60,000 for the Chairman of the Board
• EUR 48,000 for Vice Chairman and Committee Chairs (however, the fee is not paid twice, if the Chairman/Vice Chairman also serves as Committee Chair)
• EUR 38,400 for each other Board Member.

The Nomination Board proposes that approximately 40 percent of the annual fees be paid in Alisa Bank Plc shares purchased from the market on behalf of the Board Members, or alternatively by handing over the company's own shares or issuing new shares.

When transferring the company's own shares or issuing new shares, the share conversion rate is the weighted average price of the company's share exchange in Nasdaq Helsinki Oy for the period of five trading days after the publication of the company's half-year report 2026. The company is responsible for the costs and possible transfer tax arising from the acquisition, transfer or giving of the shares. The rest of the annual fee is paid in cash, which covers the taxes arising from the fee.

The shares will be acquired directly on behalf of the Board Members within two weeks after the company's 2026 half-year report is announced. The transfer of the company's own shares or the issuance of new shares takes place as soon as possible after the reward has been converted into shares. If the acquisition, transfer or giving of the shares cannot be carried out at the afore mentioned time due to legal or other regulatory restrictions or for another reason related to the company or the Board Member, the shares will be acquired, transferred or given later or the annual remuneration will be paid in full in cash.

12. Resolution on the number of Members of the Board of Directors

The Shareholders’ Nomination Board proposes to the 2026 Annual General Meeting that the number of the Members of the Board of Directors is six (6).

13. Election of Members of the Board of Directors 

The Shareholders' Nomination Board proposes for a period until the end of the next Annual General Meeting that the present members of the Board of Directors Olli-Petteri Lehtinen, Johanna Lamminen, Karri Haaparinne, Peter Ramsay and Marjo Tomminen be re-elected to the Board. The Nomination Board further proposes that Tuukka Koskinen be elected as new member of the Board.

The candidates have given their consent to the position.

The Shareholders' Nomination Board proposes to the Annual General Meeting that Olli-Petteri Lehtinen be elected as Chair of the Board and Johanna Lamminen as Vice Chair.

All proposed Board Members are assessed to be independent of the company. In addition, all proposed Board Members are assessed to be independent of the company's significant shareholders, except for Peter Ramsay who is not assessed as independent of the company´s significant shareholders.

More information of all proposed Board Members can be seen on the company's website at www.alisabank.com/annual-general-meeting-2026

14. Resolution on the Auditor's remuneration

The Board of Directors proposes to the General Meeting that the Auditor's remuneration be paid according to an invoice approved by the company.

15. Election of the Auditor

The Board of Directors proposes that KPMG Oy Ab, a firm of authorised public accountants, shall be elected as auditor, with APA Tiia Kataja as auditor-in-charge for a term of office beginning when the Annual General Meeting 2026 is closed and continuing up until the Annual General Meeting 2027 has ended.

16. Authorization of the Board of Directors to decide on acquisition of own shares

The Board of Directors proposes that the General Meeting authorizes the Board to decide on the acquisition of a maximum of 7 501 578 own shares in one or more installments with the company's free equity capital. The proposed number of shares corresponds to approximately 5 percent of the Company's shares. The shares are acquired in a public trading organized by Nasdaq Helsinki Oy, other than in proportion to the shareholders' holdings, at the market price at the time of acquisition. The authorization is proposed to be valid until the end of the next Annual General Meeting, but no later than 30 June 2027. The company's previous authorization for the purchase of its own shares expires at the General Meeting on 19 March 2026. The authorization can be used, for example, to implement possible business acquisitions and incentive systems for key personnel or for other purposes decided by the Board. The shares acquired on the basis of the authorization can otherwise be further transferred, kept by the company or cancelled. The board can decide on all other conditions for acquiring own shares.

17. Authorization of the Board to decide on issuing shares and option rights and other special rights entitling to shares

The Board of Directors proposes to the Annual General Meeting that the General Meeting authorizes the Board to decide on the issue of shares and the issue of special rights entitling to shares referred to in Chapter 10, Section 1 of the Limited Liability Companies Act in one or more installments, either for payment or free of charge. The number of shares to be issued, including shares obtained based on special rights, can be a maximum of 7 501 578 shares in total. The Board can decide to issue either new shares or transfer any of its own shares that may be in the company's possession.

The proposed maximum amount of authorization corresponds to about 5 % of all the company's shares, based on the situation on the day of the meeting call. The authorization entitles the board to decide on all conditions for issuing shares and granting special rights entitling to shares, including the right to deviate from the shareholders' preemptive right. The authorization is presented to be used, for example, to pay the purchase prices of business transactions, to pay the incentive fee according to the incentive system for key personnel, or for other purposes decided by the board. The authorization is presented to also include the right to decide whether the subscription price of the share will be fully or partially entered into the invested unrestricted equity fund or as a share capital increase. The authorization is proposed to be valid until the end of the next Annual General Meeting, but no later than 30 June 2027. The previous authorization of the Board ends with the General Meeting on 19 March 2026.

18. Closing of the meeting

B. General Meeting documents

The above-mentioned proposed resolutions on the agenda of the General Meeting, this meeting notice as well as the financial statements, the report by the Board of Directors and auditor's report as well as the remuneration report are available on the company's website at www.alisabank.com/annual-general-meeting-2026 no later than 26 February 2026.

Resolution proposals and other documents mentioned above are also available for viewing at the General Meeting. The minutes of the General Meeting can be viewed by shareholders on the above-mentioned website no later than 27 March 2026.

C. Instructions for meeting participants

1. A shareholder entered in the shareholder register

The right to participate in the General Meeting belongs to the shareholder who is registered as a shareholder in the company's shareholder register kept by Euroclear Finland Oy on the record date of the General Meeting on 9 March 2026. A shareholder whose shares are registered in his/her personal Finnish book-entry account is registered in the company's shareholder register.

Registration for the General Meeting begins on 12 February 2026. A shareholder entered in the company's shareholder register who wishes to participate in the General Meeting must register no later than 16 March 2026 at 4:00 p.m., by which time the registration must be received. 

You can register for the General Meeting via e-mail to the address yhtiokokous@alisapankki.fi.

When registering, you must provide the requested information, such as the shareholder's name, address, telephone number and e-mail address, as well as the name of any assistant or agent. The personal data provided by the shareholders will only be used for the processing of the General Meeting and related necessary registrations.

The shareholder, his/her representative and proxy must be able to prove their identity and/or right of representation at the meeting place, if necessary.

2. Owners of nominee registered shares

The owner of nominee registered shares has the right to participate in the General Meeting on the basis of those shares, on the basis of which he would have the right to be entered in the shareholder list kept by Euroclear Finland Oy on the record date of the General Meeting on 9 March 2026. Participation also requires that the shareholder has been temporarily entered in the shareholder list kept by Euroclear Finland Oy on the basis of these shares by 16 March 2026 at 10:00 a.m. at the latest. For holders of nominee-registered shares, this is considered registration for the General Meeting. Changes in share ownership after the record date of the General Meeting do not affect the right to participate in the General Meeting or the shareholder's number of votes.

The owner of a nominee registered share is advised to request the necessary instructions from the asset manager in good time regarding temporary registration in the shareholders' register, issuing proxies and voting instructions and registering for the General Meeting. The account manager of the asset manager must notify the owner of the nominee-registered share, who wants to participate in the Annual General Meeting by voting in advance, to be temporarily entered in the company's shareholder list by the above-mentioned date at the latest.

3. Using an agent and powers of attorney

The shareholder may participate in the General Meeting and exercise his/her rights there through a proxy. The agent must present a dated power of attorney, or he must otherwise prove in a reliable way that he/she is entitled to represent the shareholder. If the shareholder participates in the General Meeting through several proxies, who represent the shareholder with shares in different securities accounts, the shares on the basis of which each proxy represents the shareholder must be indicated when registering.

Potential proxies are requested to be saved as attachments delivered by e-mail to yhtiokokous@alisapankki.fi or by post to” Yhtiökokous”, Alisa Bank Plc, Bulevardi 21 A, 00180  Helsinki before the end of the registration period on 16 March 2026 at 16:00, by which time the proxies must be in. Submitting the power of attorney to the company before the end of the registration period is considered registration for the General Meeting, as long as it contains the aforementioned information required for registration.

4. Other instructions/information

The meeting language is Finnish.

The shareholder present at the General Meeting has the right to ask questions about the matters discussed at the meeting in accordance with Chapter 5, Section 25 of the Limited Liability Companies Act.

Changes in share ownership after the record date of the General Meeting do not affect the right to participate in the General Meeting or the shareholder's number of votes.

On the date of the meeting notice, 12 February 2026, Alisa Bank Plc has a total of 150 031 563 number of shares. The company holds on 12 February 2026 directly and through subsidiaries a total of 14 081 shares which cannot be used to vote at the Annual General Meeting.

Helsinki, 12 February 2026

ALISA BANK PLC

The Board of Directors

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank

ALISA BANK PLC STOCK EXCHANGE RELEASE 12.2.2026 AT 11.30 EET

STRATEGIC SHIFT PROGRESSED – PROFITABILITY STILL UNDER PRESSURE

January-December 2025 in brief

• As part of its renewed strategy, Alisa Bank decided to exit consumer lending. The transaction, in which a significant portion of the portfolio was sold, was completed in December 2025.
• Operating income decreased from comparison period to EUR 14.9 million (17.0).
• Operating expenses increased to EUR 13.7 million (12.8).
• Realised and expected credit losses decreased to EUR 3.3 million (5.5).
• January-December profit before non-recurring items and taxes was EUR -3.4 million (-0.1). Profit before taxes was EUR -2.1 million (-1.3)
• Total capital adequacy ratio increased to 34.6 percent (17.6)
• Loan portfolio before reducing expected credit losses decreased to EUR 58.9 million (149.5). The business customer loan portfolio decreased to EUR 45.4 million (47.6) and the loan portfolio of consumer customers decreased to EUR 13.4 million (101.9).
• Deposits decreased to EUR 256.5 million (394.6). Liquidity remained good, and the LCR liquidity ratio was 1,210 percent (12/2024: 710) at the end of the financial year.

July-December 2025 in brief

• July-December profit before non-recurring items and taxes was EUR -1.9 million (0.9). Profit before taxes was EUR -0.5 million (0.7).
• Total income increased to EUR 7.6 million (9.3).

* The calculation principles of alternative performance measures are presented in Appendix A.

CEO’s review

Towards strategy-aligned growth

The past year fell clearly short of targets in terms of both the sales of financing products and the utilisation rate of invoice financing limits. Although business lending sales recovered in the second half of the year, total balance sheet income remained below target. In contrast, the development of deposit net interest income exceeded the target, supported by successful funding of business customers. The Bank’s costs developed as planned, and the implemented cost-saving measures will become more clearly visible in 2026. Depreciation for 2025 includes one-off write-downs of capitalised development costs related to the sale of the consumer lending business, which increased depreciation for the financial year by EUR 0.8 million.

We executed our strategy in a determined manner, focusing on banking services for SMEs and invoice financing. As part of this, we sold a significant portion of the consumer loan portfolio and discontinued the sale of almost all consumer-oriented products. The transaction resulted in a total one-off gain of EUR 2.4 million. At the same time, sales and marketing efforts were successfully strengthened to accelerate growth in business financing. The invoice financing cooperation agreement with Nordea, signed towards the end of the year, further supported the positive development in demand. Growth in business customer deposits continued, particularly through Banking-as-a-Service partner channels, although the overall deposit base was deliberately reduced in non-strategic channels.

Market environment and future development

Although some positive signs can be observed in demand for banking and financing services among SMEs, we do not expect the external operating environment to turn clearly more favourable in terms of demand for financing. Euribor rates are expected to remain close to current levels, supporting the assessment of a neutral macroeconomic impact on earnings.

The general cautiousness of the banking sector is expected to continue, which supports demand for Alisa Bank’s services in the current financial year. We expect the positive sales development of our products, which began in the summer of 2025, to continue, supported by an increased number of financial management software and banking partnerships, as well as our own sales and marketing efforts. At the same time, we are assessing opportunities for inorganic growth of the business financing balance sheet by utilising capacity released from consumer finance.

The Bank’s strong capital adequacy and liquidity position, together with a low average cost of funding, support our competitiveness in business financing. At the same time, the deposit margin is expected to continue to increase. The Bank’s strategic development priorities include invoice financing, the further development of business loan products, and the launch of Banking-as-a-Service partnerships in Sweden. Measures related to the renewal of business loan products and the development of the Swedish market will continue as planned.

The Bank will continue measures to strengthen the credit quality of the SME financing loan portfolio, with the objective of reducing the NPL ratio during the current year. Lowering funding costs and streamlining the operational cost structure are key priorities in improving risk-adjusted returns. Going forward, the development of operating profit will be materially dependent on the development of sales volumes.

Warm thanks to our personnel and customers for the past year.

Sampsa Laine

CEO

Outlook for 2026

In the current financial year, the focus of the Bank’s business, in line with its strategy, is on increasing financing volumes for SMEs and on making the Bank’s SME banking services available more broadly through the channels of our existing and new partners (Banking-as-a-Service). The gradual withdrawal from the consumer business – partly as a result of the loan portfolio sale already completed and partly as a result of future measures – will reduce the Bank’s income, expenses and credit losses in 2026.

The development of profitability and the strengthening of operating profit will going forward be materially dependent on the development of corporate financing volumes and the market environment. We estimate that the result before non-recurring items and taxes will be loss-making in the first half of the year. As business growth and structural transformation progress, the Bank’s profitability will improve, and a profitable result before non-recurring items and taxes is expected for the second half of the year.

Alisa Bank Plc

Further information 

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi 

About Alisa Bank Oyj 

Alisa Bank Plc is a technology-driven financial services company offering seamless banking services through digital channels. We serve business clients, savers seeking competitive interest rates for their deposits, and partners. Together with our partners, we integrate banking services into the channels customers use daily. Alisa Bank Plc shares are listed on the Nasdaq Helsinki main market (ALISA) and the bank operates under a license granted by the Finnish Financial Supervisory Authority. www.alisapankki.fi 

ALISA BANK PLC STOCK EXCHANGE RELEASE 21.1.2026 AT 14.20 EET 

Alisa Bank Plc announced on 31 October 2025 that it had signed a Receivable Purchase Agreement to sell approximately a 75 per cent share of its consumer customers’ loan portfolio to Bankaktiebolaget Nordiska (publ), Sweden, for a purchase price of EUR 51 million. The approval of the Swedish FSA (Finansinspektionen), which was a condition for the completion of the transaction, has now been obtained, and the transaction has been completed.

The transaction has a one-off positive impact of approximately EUR 2.4 million on Alisa Bank’s result for the financial year 2025. In addition, Alisa Bank recognises impairment losses on intangible assets related to the withdrawal from the consumer finance totalling EUR 0.8 million in the financial year 2025, which will have a one-off negative impact on the result.

Withdrawal from the consumer financing is part of the Company’s strategy, under which Alisa Bank will increasingly focus on financing small and medium-sized enterprises and on growing its own deposit base.

Further information 

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi 

About Alisa Bank Oyj 

Alisa Bank Plc is a technology-driven financial services company offering seamless banking services through digital channels. We serve business clients, savers seeking competitive interest rates for their deposits, and partners. Together with our partners, we integrate banking services into the channels customers use daily. Alisa Bank Plc shares are listed on the Nasdaq Helsinki main market (ALISA) and the bank operates under a license granted by the Finnish Financial Supervisory Authority. www.alisapankki.fi 

ALISA BANK PLC STOCK EXCHANGE RELEASE 19.1.2026 AT 16.20 EET

Proposal for the composition of the Board of Directors

The Shareholders’ Nomination Board proposes to the 2026 Annual General Meeting that the Board of Directors consists of six (6) members.

The Shareholders' Nomination Board also proposes that the present members of the Board of Directors Olli-Petteri Lehtinen, Johanna Lamminen, Karri Haaparinne, Peter Ramsay and Marjo Tomminen be re-elected and that Tuukka Koskinen be elected as new member to the Board for a term of office ending at the end of the next Annual General Meeting.

According to the proposal, the current members Sami Honkonen and Tero Weckroth will not continue as Board members after the Annual General Meeting.  

The Shareholders' Nomination Board proposes to the Annual General Meeting that Olli-Petteri Lehtinen be elected as Chair of the Board and Johanna Lamminen as Vice Chair.

All candidates have given their consent to the election.

All proposed Board Members are assessed to be independent of the company. In addition, all proposed Board Members are assessed to be independent of the company's significant shareholders except for Peter Ramsay who is assessed as not being independent of the company´s significant shareholders.

More information of the Board Members that are proposed to be re-elected is available on the company's website www.alisabank.com/management. The CV of proposed new member is attached to this stock exchange release.

Proposal for remuneration of the Board

The Shareholders' Nomination Board’s proposal is that the Board's remuneration will be paid in company shares in accordance with the current policy.

The shareholders' Nomination Board proposes to the Annual General Meeting that the fixed monthly remuneration of the Board Members will be determined as an annual remuneration and paid once a year.

The Shareholders' Nomination Board proposes to the Annual General Meeting that the annual remuneration of the Board Members elected at the Annual General Meeting for the term of office, which ends at the end of the 2027 Annual General Meeting, remains unchanged, i.e. is as follows:

• EUR 60,000 for the Chairman of the Board
• EUR 48,000 for Vice Chairman and Committee Chairs (however, the fee is not paid twice, if the Chairman/Vice Chairman also serves as Committee Chair)
• EUR 38,400 for each other Board Member.

The Nomination Board proposes that approximately 40 percent of the annual fees be paid in Alisa Bank Plc shares purchased from the market on behalf of the Board Members, or alternatively by handing over the company's own shares or issuing new shares.

When transferring the company's own shares or issuing new shares, the share conversion rate is the weighted average price of the company's share exchange in Nasdaq Helsinki Oy for the period of five trading days after the publication of the company's half-year report 2026. The company is responsible for the costs and possible transfer tax arising from the acquisition, transfer or giving of the shares. The rest of the annual fee is paid in cash, which covers the taxes arising from the fee.

The shares will be acquired directly on behalf of the Board Members within two weeks after the company's 2026 half-year report is announced. The transfer of the company's own shares or the issuance of new shares takes place as soon as possible after the reward has been converted into shares. If the acquisition, transfer or giving of the shares cannot be carried out at the aforementioned time due to legal or other regulatory restrictions or for another reason related to the company or the Board Member, the shares will be acquired, transferred or given later or the annual remuneration will be paid in full in cash.

Alisa Bank Plc

Shareholders' Nomination Board

Further information

Maunu Lehtimäki, Chairman of the Nomination Board, maunu.lehtimaki@evli.com

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 19.12.2025 AT 10.50 EET

Alisa Bank Plc will publish the following financial reports in 2026:

• Financial Statements Bulletin 2025: February 12, 2026
• Half-year Financial Report, January-June: July 21, 2026

The Annual Report and Financial Statements for 2025 will be available on the company's website in week 9.

The Annual General Meeting of Alisa Bank Plc is planned to be held in Helsinki on March 19, 2026.

Alisa Bank follows a silent period of 30 days prior to the publication of the financial statements bulletin and half-year financial report.

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

About Alisa Bank Oyj

Alisa Bank Plc is a technology-driven financial services company offering seamless banking services through digital channels. We serve business clients, savers seeking competitive interest rates for their deposits, and partners. Together with our partners, we integrate banking services into the channels customers use daily. Alisa Bank Plc shares are listed on the Nasdaq Helsinki main market (ALISA) and the bank operates under a license granted by the Finnish Financial Supervisory Authority. www.alisapankki.fi

ALISA BANK PLC PRESS RELEASE 17.12.2025 13.00 EET

Alisa Bank Plc and Visma Solutions Oy have signed a cooperation agreement aimed at providing Netvisor’s over 45,000 customers with comprehensive and cost-effective banking and financing services. At the heart of this collaboration is the integration of Alisa laskulaina – an invoice financing service – into Netvisor, along with Alisa Bank’s business account, offering Netvisor customers a reliable and cost-efficient solution for daily financial management.

As part of the partnership, Alisa Bank and Visma Solutions will bring flexible business financing solutions available to Netvisor customers, designed to simplify entrepreneurs’ everyday operations. Through this cooperation, Netvisor customers can easily finance their receivables using Alisa Bank’s fast, efficient, and reliable Alisa laskulaina invoice financing service. Laskulaina is planned to be published in early Q2/2026.

The business account offered to Netvisor customers enables a fixed-price banking connection between Alisa Bank and Netvisor. Thanks to this account, Netvisor customers can authorize Visma to deliver payment files, receive payment feedback, and retrieve account statements and real-time balances without transaction-based additional fees. The fixed monthly price for the business account is €9.90, and the service is designed for companies that value smooth data transfer and up-to-date financial information at a cost-effective price. The business account is planned to be published in early Q2/2026.

Janne Lyytikäinen, Director of FMS product line, Visma Solutions Oy:
"Through this partnership, we can offer our customers cost-effective and reliable banking and financing services as part of our flexible service portfolio. Collaborations like this strengthen and advance electronic financial management for the benefit of our customers."

Sampsa Laine, CEO, Alisa Bank:
"We are excited about this cooperation, which allows us to reach a significant number of new customers and provide them with flexible, modern, and cost-effective banking services. This partnership is an excellent example of our strategy to develop and deliver services together with Finland’s leading partners."

This collaboration is part of Alisa Bank’s partner strategy, which focuses on bringing Alisa Bank’s services to the channels customers use in their daily lives. Through this partnership, Alisa Bank strengthens its position as a trusted provider of banking and financing services for companies offering financial management solutions.

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Janne Lyytikäinen, Business Area Director, Visma Solutions Oy, janne.lyytikainen@visma.com 

About Alisa Bank Oyj

Alisa Bank Plc is a technology-driven financial services company offering seamless banking services through digital channels. We serve business clients, savers seeking competitive interest rates for their deposits, and partners. Together with our partners, we integrate banking services into the channels customers use daily. Alisa Bank Plc shares are listed on the Nasdaq Helsinki main market (ALISA) and the bank operates under a license granted by the Finnish Financial Supervisory Authority. www.alisapankki.fi

About Visma Solutions Oy

Visma Solutions Oy is Finland’s leading cloud software provider, offering solutions to support the operation and management of SMEs. Nearly 100,000 companies in Finland use these solutions. The Visma Solutions product family includes Netvisor, Fivaldi, Severa, ValueFrame, Visma Sign, Netvisor KYC, and FabricAI. We are backed by the agile Nordic software group Visma, which employs over 1,500 experts in Finland. www.vismasolutions.fi

ALISA BANK PLC MANAGER TRANSACTIONS 5.11.2025 AT 14.40 EET

Person subject to the notification requirement
Name: Sampsa Laine
Position: Other senior management
Issuer: Alisa Pankki Oyj
LEI: 743700VK1NB8HRGTQH74

Notification type: INITIAL NOTIFICATION
Reference number: 129073/6/4  

Transaction date: 2025-11-03
Venue: NASDAQ HELSINKI LTD (XHEL)
Instrument type: SHARE
ISIN: FI4000170915
Nature of transaction: ACQUISITION 

Transaction details
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(42): Volume: 182 Unit price: 0.199 EUR            
(43): Volume: 5150 Unit price: 0.199 EUR            
(44): Volume: 691 Unit price: 0.1985 EUR            
(45): Volume: 50 Unit price: 0.1985 EUR            
(46): Volume: 5357 Unit price: 0.1985 EUR            
(47): Volume: 3633 Unit price: 0.198 EUR            
(48): Volume: 5500 Unit price: 0.198 EUR            
(49): Volume: 1163 Unit price: 0.1975 EUR            
(50): Volume: 2000 Unit price: 0.196 EUR            

Aggregated transactions 
(50): Volume: 500 000 weighted average price: 0.1989 EUR

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC MANAGER TRANSACTIONS 5.11.2025 AT 14.15 EET

Person subject to the notification requirement
Name: Svartbäck Holding Oy
Position: Other senior management
(X) Legal person
(1): Person Discharging Managerial Responsibilities in Issuer
Name: Joonas Heinonen
Position: Other senior management

Issuer: Alisa Pankki Oyj
LEI: 743700VK1NB8HRGTQH74

Notification type: INITIAL NOTIFICATION
Reference number: 129065/4/4  

Transaction date: 2025-11-03
Venue: NASDAQ HELSINKI LTD (XHEL)
Instrument type: SHARE
ISIN: FI4000170915
Nature of transaction: ACQUISITION 

Transaction details
(1): Volume: 400 000 Unit Price: 0.20000 EUR 

Aggregated transactions 
(1): Volume: 400 000 weighted average price: 0.20000 EUR

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC MANAGER TRANSACTIONS 5.11.2025 AT 14.10 EET

Person subject to the notification requirement
Name: WRCC Invest Oy
Position: Member of the Board/Deputy member
(X) Legal person
(1): Person Discharging Managerial Responsibilities in Issuer
Name: Tero Weckroth
Position: Member of the Board

Issuer: Alisa Pankki Oyj
LEI: 743700VK1NB8HRGTQH74

Notification type: INITIAL NOTIFICATION
Reference number: 128947/4/4  

Transaction date: 2025-11-03
Venue: NASDAQ HELSINKI LTD (XHEL)
Instrument type: SHARE
ISIN: FI4000170915
Nature of transaction: ACQUISITION 

Transaction details
(1): Volume: 100.000 Unit Price: 0.19900 EUR   

Aggregated transactions 
(1): Volume: 100.000 weighted average price: 0.19900 EUR

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC MANAGER TRANSACTIONS 5.11.2025 AT 14.05 EET

Person subject to the notification requirement
Name: Karri Haaparinne
Position: Member of the Board/Deputy member
Issuer: Alisa Pankki Oyj
LEI: 743700VK1NB8HRGTQH74

Notification type: INITIAL NOTIFICATION
Reference number: 129226/5/4

Transaction date: 2025-11-04
Venue: NASDAQ HELSINKI LTD (XHEL)
Instrument type: SHARE
ISIN: FI4000170915
Nature of transaction: ACQUISITION

Transaction details
(1): Volume: 100000 Unit price: 0.188 EUR
(2): Volume: 162433 Unit price: 0.1895 EUR

Aggregated transactions (2):

Volume: 262433 Volume weighted average price: 0.18893 EUR

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC MANAGER TRANSACTIONS 5.11.2025 AT 14.00 EET

Person subject to the notification requirement
Name: Tero Weckroth
Position: Member of the Board/Deputy member
Issuer: Alisa Pankki Oyj
LEI: 743700VK1NB8HRGTQH74

Notification type: INITIAL NOTIFICATION
Reference number: 128936/4/4  

Transaction date: 2025-11-03
Venue: NASDAQ HELSINKI LTD (XHEL)
Instrument type: SHARE
ISIN: FI4000170915
Nature of transaction: ACQUISITION 

Transaction details
(1): Volume: 233 055 Unit Price: 0,19500 EUR  
(2): Volume: 40 000 Unit Price: 0,19900 EUR
(3) Volume: 100 000 Unit Price: 0,19840 EUR

Aggregated transactions 
(3): Volume: 373 055  Volume weighted average price: 0.19634 EUR

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE, INSIDER INFORMATION 31.10.2025 AT 16.40 EET

Alisa Bank Plc has on 6 October 2025, published its strategic decision to evaluate possibilities to withdraw from consumer loan business.

As part of this strategic decision, Alisa Bank Plc has on 31 October 2025 signed a Receivable Purchase Agreement to sell a significant part of its consumer loan portfolio to Bankaktiebolaget Nordiska (Publ) (Sweden).

The size of the loan portfolio to be sold equals to approximately 75% of Alisa Bank Plc´s consumer loan portfolio. The purchase price of approximately €51 million will be paid in cash. The transaction is conditional on an approval from the Swedish FSA (Finansinspektionen), and is estimated to have a positive impact on Alisa Bank Plc`s result for financial year 2025. The positive impact on profit will be specified during the sales process and will be published after the conditions for the sale have been fulfilled.

Gradual withdrawal from the consumer financing is estimated to support the bank´s strategical decision to focus on providing financial services to SME companies and on BaaS (Banking as a service) collaborations.

More information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 23.10.2025 AT 16.30 EEST

Alisa Bank Plc’s Chief Financial Officer Kukka Lehtimäki will be on parental leave starting from 15 March 2026. During Lehtimäki’s parental leave, Aki Gynther (B.Sc. Econ) will serve as acting Chief Financial Officer and member of the Management Team, starting from 16 March 2026.

Gynther has extensive experience in the banking sector, having held positions as CFO as well as in risk control and business management. He will join Alisa Bank on 2 January 2026, and during the transition period at the beginning of the year, he will work alongside Kukka Lehtimäki.

The appointment is conditional on the Financial Supervisory Authority not having any objections to the appointment.

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 23.10.2025 AT 12.30 EEST

The Board of Directors of Alisa Bank Plc has decided to discontinue the company’s performance-based share incentive plan 2024–2028, which was established in August 2024 for the company’s management and key employees. The current long-term incentive plan no longer serves the company’s strategic objectives.

No new rewards will be granted under the plan, and no payments will be made from it.

The Board of Directors has initiated the preparation of a new, replacement incentive scheme intended for the company’s management and key employees. One of the company’s key goals for 2026 is to strengthen profitable growth, and the renewed incentive model will be designed to support this development.

Further information 
 
Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi
 
Alisa Bank in brief 
 
Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com 

ALISA BANK PLC STOCK EXCHANGE RELEASE 8.10.2025 AT 16.30 EEST

Alisa Bank Plc's Nomination Board prepares proposals for the members of the Board of Directors as well as their remuneration for the Annual General Meeting. The Nomination Board has four members. The members of the Nomination Board are appointed by the four largest shareholders, each of whom has the right to appoint one member. The four largest shareholders entitled to appoint a member are determined on the basis of the shareholders' register according to the situation on the last day of August of each year.

Composition of the Nomination Board from 8 October 2025:

• Maunu Lehtimäki, Evli Plc
• Juhani Elomaa, Taaleri Plc
• Antti Kemppi, Kempinvest Oy
• Mika Laine, Mika Laine/Veikko Laine Oy/JO Group OÜ

Maunu Lehtimäki is the Chairman of the Nomination Board. Olli-Petteri Lehtinen, Chairman of the Board of Alisa Bank Plc, participates in the work of the Nomination Board as an expert.

Further information

Maunu Lehtimäki, chair of the Nomination Board, tel. + 358 50 553 3000

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 6.10.2025 AT 17:50 EEST

Kukka Lehtimäki has been appointed as Deputy CEO of Alisa Bank Plc starting 7.10.2025. Lehtimäki is Alisa Bank Plc´s CFO and member of the Management Team, and she has worked at Alisa Bank since 2022.

The former Deputy CEO, Juha Saari has resigned from his position in Alisa Bank.

The appointment is conditional on the Financial Supervisory Authority not having any objections to the appointment.

More information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE, INSIDER INFORMATION 6.10.2025 AT 17.35 EEST

The Board of Directors of Alisa Bank Plc has on 6.10.2025 decided to evaluate possibilities to withdraw from consumer loan business. The decision is in line with the bank´s strategical decision to put increasing focus on transformation towards SME financing products and growing its own deposit offering.

A stepwise withdrawal is expected to take place during 2025 and 2026. The Board estimates the withdrawal to have a positive impact on Alisa Bank´s 2025 profit before taxes and non-recurring items.

More information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE, INSIDER INFORMATION 2.10.2025 AT 11.00 EEST

Nordea and Alisa Bank Plc have signed a strategic co-operation agreement aimed at providing invoice financing services for Nordea’s entrepreneur clients through Alisa Bank’s technology.

The agreement covers the development and provision of invoice financing services for Nordea’s entrepreneur clients. The service package strengthens cash flow management by enabling the rapid and flexible conversion of accounts receivable into cash. This solution improves Nordea´s entrepreneur client’s liquidity and simplifies cash flow management, supporting business growth and everyday financial operations.

“As a result of a comprehensive tendering process, we chose to partner with Alisa Bank, which, as an agile operator, can offer entrepreneurs an easy solution for working capital needs. What convinced Nordea about Alisa Bank was its digital approach, ability to integrate with financial management software, and fast access to financing, features our customers value,” says Nina Luomanen, Head of Business Banking at Nordea Finland.

“We are very pleased to begin collaboration with Nordea. Through this partnership, Alisa Bank’s user-friendly invoice financing service will now be available for Nordea’s entrepreneur clients. This makes working capital financing for these businesses faster, easier, and more flexible. It’s great that together we can offer concrete support for business growth and daily operations. The partnership also marks a significant step in implementing and strengthening Alisa Bank’s BaaS strategy,” says Sampsa Laine, CEO of Alisa Bank Plc.

The planned partnership arrangement is expected to launch during October.

Further information 
 
Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi
 
Alisa Bank in brief 
 
Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC MANAGER TRANSACTIONS 25.8.2025 AT 11.40 EEST

Person subject to the notification requirement

Name: Lehtinen, Olli-Petteri

Position: Member of the Board/Deputy member

Issuer: Alisa Bank Plc

LEI: 743700VK1NB8HRGTQH74

Notification type: INITIAL NOTIFICATION

Reference number: 743700VK1NB8HRGTQH74_20250822082048_30

Transaction date: 2025-08-21

Venue: XHEL

Instrument type: SHARE

ISIN: FI4000170915

Nature of the transaction: RECEIPT OF A SHARE-BASED INCENTIVE

Transaction details

(1): Volume: 114136 Unit price: 0.00 EUR

Aggregated transactions

(1): Volume: 114136 Volume weighted average price: 0.00 EUR

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC MANAGER TRANSACTIONS 25.8.2025 AT 11.35 EEST

Person subject to the notification requirement

Name: Ramsay, Peter

Position: Member of the Board/Deputy member

Issuer: Alisa Bank Plc

LEI: 743700VK1NB8HRGTQH74

Notification type: INITIAL NOTIFICATION

Reference number: 743700VK1NB8HRGTQH74_20250822082048_31

Transaction date: 2025-08-21

Venue: XHEL

Instrument type: SHARE

ISIN: FI4000170915

Nature of the transaction: RECEIPT OF A SHARE-BASED INCENTIVE

Transaction details

(1): Volume: 73047 Unit price: 0.00 EUR

Aggregated transactions

(1): Volume: 73047 Volume weighted average price: 0.00 EUR

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC MANAGER TRANSACTIONS 25.8.2025 AT 11.30 EEST

Person subject to the notification requirement

Name: Honkonen, Sami

Position: Member of the Board/Deputy member

Issuer: Alisa Bank Plc

LEI: 743700VK1NB8HRGTQH74

Notification type: INITIAL NOTIFICATION

Reference number: 743700VK1NB8HRGTQH74_20250822082048_28

Transaction date: 2025-08-21

Venue: XHEL

Instrument type: SHARE

ISIN: FI4000170915

Nature of the transaction: RECEIPT OF A SHARE-BASED INCENTIVE

Transaction details

(1): Volume: 89772 Unit price: 0.00 EUR

Aggregated transactions

(1): Volume: 89772 Volume weighted average price: 0.00 EUR

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC MANAGER TRANSACTIONS 25.8.2025 AT 11.25 EEST

Person subject to the notification requirement

Name: Tomminen, Marjo

Position: Member of the Board/Deputy member

Issuer: Alisa Bank Plc

LEI: 743700VK1NB8HRGTQH74

Notification type: INITIAL NOTIFICATION

Reference number: 743700VK1NB8HRGTQH74_20250822082048_32

Transaction date: 2025-08-21

Venue: XHEL

Instrument type: SHARE

ISIN: FI4000170915

Nature of the transaction: RECEIPT OF A SHARE-BASED INCENTIVE

Transaction details

(1): Volume: 89772 Unit price: 0.00 EUR

Aggregated transactions

(1): Volume: 89772 Volume weighted average price: 0.00 EUR

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC MANAGER TRANSACTIONS 25.8.2025 AT 11.20 EEST

Person subject to the notification requirement

Name: Lamminen, Johanna

Position: Member of the Board/Deputy member

Issuer: Alisa Bank Plc

LEI: 743700VK1NB8HRGTQH74

Notification type: INITIAL NOTIFICATION

Reference number: 743700VK1NB8HRGTQH74_20250822082048_29

Transaction date: 2025-08-21

Venue: XHEL

Instrument type: SHARE

ISIN: FI4000170915

Nature of the transaction: RECEIPT OF A SHARE-BASED INCENTIVE

Transaction details

(1): Volume: 116288 Unit price: 0.00 EUR

Aggregated transactions

(1): Volume: 116288 Volume weighted average price: 0.00 EUR

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC MANAGER TRANSACTIONS 25.8.2025 AT 11.15 EEST

Person subject to the notification requirement

Name: Weckroth, Tero

Position: Member of the Board/Deputy member

Issuer: Alisa Bank Plc

LEI: 743700VK1NB8HRGTQH74

Notification type: INITIAL NOTIFICATION

Reference number: 743700VK1NB8HRGTQH74_20250822082048_33

Transaction date: 2025-08-21

Venue: XHEL

Instrument type: SHARE

ISIN: FI4000170915

Nature of the transaction: RECEIPT OF A SHARE-BASED INCENTIVE

Transaction details

(1): Volume: 89772 Unit price: 0.00 EUR

Aggregated transactions

(1): Volume: 89772 Volume weighted average price: 0.00 EUR

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC MANAGER TRANSACTIONS 25.8.2025 AT 11.10 EEST

Person subject to the notification requirement

Name: Haaparinne, Karri

Position: Member of the Board/Deputy member

Issuer: Alisa Bank Plc

LEI: 743700VK1NB8HRGTQH74

Notification type: INITIAL NOTIFICATION

Reference number: 743700VK1NB8HRGTQH74_20250822082048_27

Transaction date: 2025-08-21

Venue: XHEL

Instrument type: SHARE

ISIN: FI4000170915

Nature of the transaction: RECEIPT OF A SHARE-BASED INCENTIVE

Transaction details

(1): Volume: 112215 Unit price: 0.00 EUR

Aggregated transactions

(1): Volume: 112215 Volume weighted average price: 0.00 EUR

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 12.8.2025 AT 09:00 EEST

CHALLENGING OPERATING ENVIRONMENT PERSISTED – COMPANY FELL SHORT OF PROJECTED GROWTH PATH

January-June 2025 in brief

• January-June profit before non-recurring items and taxes was EUR -1.4 million (-1.0). Profit before taxes was EUR -1.6 million (-2.0).
• Net interest income was EUR 6.6 million (7.2).
• Total operating income was EUR 7.4 million (7.7).
• Total operating costs were EUR -6.6 million (-6.4).
• Realised and expected credit losses were EUR -2.3 million (-3.2).
• Total capital adequacy ratio was 19.2 percent (12/2024: 17.6).
• Loan portfolio before reducing expected credit losses decreased by 15 percent to EUR 126.9 million (12/2024: 149.5) in the accounting period.
• Deposits decreased by 24 percent to EUR 299.0 million (394.6). Liquidity remained strong, and the LCR (Liquidity Coverage Ratio) was 869 percent (12/2024: 897).

* The calculation principles of alternative performance measures are presented in Appendix A.

** The opening balance of the comparative period's balance sheet for 1 January–30 June 2024 has been adjusted by EUR 185 thousand due to a technical error in ECL calculation that occurred in 2023.

CEO’s review 

The first half of 2025 was challenging for us on several fronts. Demand for financing from both consumers and businesses remained weak, and payment delays continued to increase. Utilization rates of invoice financing limits stayed below normal levels. During the first half of the year, we invested in larger-scale BaaS-partnerships (Banking-as-a-Service), which led to several positive business discussions. Supported by successful marketing efforts and increased sales activity, we managed to bring business financing sales closer to our target level in the second quarter.

Due to the weak start to the year, profit before non-recurring items and taxes was EUR -1.4 million. Towards the end of the period, business performance was supported by effective marketing, the renewal of sales management, and more risk-based pricing. Continued global challenges, together with operational headwinds in the SME sector, are likely to keep the outlook for the remainder of the year modest. Nevertheless, we have several reasons to believe that the growth of our business financing portfolio will continue into the autumn months at a pace similar to early summer.

Business development

The company’s operating income decreased by 3.9 percent in the first half of 2025 to EUR 7.4 million (7.7), driven by a decline in net interest income. Expenses increased by EUR 0.2 million due to the combination with PURO Finance, while credit losses fell by EUR 0.9 million, resulting in a EUR 0.4 million reduction in operating loss compared to the previous year. 

In the personal customer segment, our loan portfolio decreased by 23 percent to EUR 78 million (12/2024: EUR 102 million). The main driver for this decline was our earlier strategic decision to discontinue the use of credit comparison websites as a sales channel and to focus new lending on the lower-risk portion of our existing customer base. 

Despite a challenging operating environment, we succeeded in increasing the business financing loan portfolio by 1.8 percent in the first half of the year (6/2025: EUR 48.5 million, 12/2024: 47.6). The early-year increase in non-performing SME receivables was reversed, but due to the decrease in the loan portfolio and the decline in consumer financing, the relative share of payment delays developed less favorably than expected (NPL ratio increased to 4.9 percent from 4.8 percent at the end of the review period.). During the reporting period, we sold and wrote off inactive credit receivables. Nevertheless, the net credit loss trend remained downward and in line with our forecasts, with the balance sheet now healthier as a result of the measures taken. Following the update to our risk-based pricing, the risk level of new business financing sales is now lower than the bank’s current overall portfolio risk. 

Our deposits stood at EUR 299 million (12/2024: EUR 395 million) at the end of the financial year. The composition of deposits developed as targeted during the first half, with an increased share from our own channels, which lowered the average funding cost and improved the predictability of the deposit base. Based on current projections, the average funding cost will continue to decline in the second half of the year, albeit at a clearly slower pace.

The bank’s capital adequacy ratio continued to strengthen during the first half and stood at 19.2 percent at the end of June, matching the target level of 16 percent.

Looking ahead

In line with the bank’s new strategy, the transformation toward lower-risk SME financing products will improve the risk-adjusted return on new sales (income net of credit losses) during 2025. The decline in the cost of funding is expected to continue throughout the year under the market’s projected interest rate scenario. These measures, combined with the growth in the financing balance sheet, will have a positive impact on profit compared with the first half of the year. We continue to target financing balance sheet growth outpacing the market through both existing and new BaaS partnerships. Based on ongoing discussions, Alisa’s offering — particularly in invoice financing — is seen as highly attractive.

We will place special emphasis on keeping business financing on a growth path and on intensifying the cost-adjustment program initiated earlier this year, critically reviewing both external and internal expenses. In light of changes already implemented, we are confident that further savings can be achieved in this area.

We expect the bank’s monthly profit before taxes and non-recurring items to turn positive, as it did in the previous year, during the latter part of 2025.

Sampsa Laine

CEO

Outlook for 2025

Alisa Bank released 18 June 2025 a profit warning, bringing down the outlook for 2025.

18 June 2025 updated outlook for 2025:
 
The prolonged uncertainty of the operating environment is weakening the company's profit performance for 2025. Alisa Bank continues to implement the renewed strategy and develop BaaS partnerships. The bank’s target is profitable growth in business financing, taking into account the economic uncertainty affecting lending. The profit before non-recurring items and taxes for year 2025 is estimated to decline from 2024 level.

Previous outlook for 2025, that was published in connection with the Financial Statements Bulletin 2024:

After a year of changes, Alisa Bank will implement the renewed strategy in the 2025 fiscal year and continue to develop BaaS partnerships. There are early positive signs in the general economic situation, although there is still uncertainty regarding the development of the operating environment. If the economic recovery continues, combined with the implementation of the bank’s renewed strategy, it will support the bank’s income growth during the current financial year. For the reasons mentioned above, and due to the impact of the annual cycle of invoice financing business, favorable development is expected to be emphasized in the second half of the year.

The profit for the second half of 2024 reflects the current financial state of the renewed Alisa. The profit before non-recurring items for 2025, is estimated to develop favorably compared with the current financial state.

Alisa Bank Plc

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi, tel. +358 40 555 9035

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 17.7.2025 AT 09:00 EEST

Alisa Bank Plc has nominated M.Sc (Econ.) Joonas Heinonen as Director, Head of Operations and Funding and member of the Management Team as of 1 August 2025.

Joonas Heinonen has previously served as the Head of Operations and member of the Management Team at Handelsbanken Finland. At Alisa Bank he will be responsible for running and developing practices and offerings of the bank’s operations and funding.

“Joonas will bring proven risk management, funding and operation management skills to Alisa Bank’s management team. His background in a major Nordic bank will be an asset in our growth steps outside Finland. We are excited to have him as part of our Management Team in the next chapter of Alisa Bank´s journey” states Sampsa Laine CEO of Alisa Bank Plc.

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi, tel. +358 40 555 9035 

Alisa Bank in brief 
 
Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 1.7.2025 AT 12.00 EEST

Antoni Airikkala, Director of Funding and Liquidity and a member of the Management Team of Alisa Bank Plc, has announced that he will leave his position from the company. Airikkala will continue in his position as well as a member of the Management Team until 31 August 2025.

“I warmly thank Antoni for his long-term and versatile work at Alisa Bank and its predecessors. Antoni’s contribution has been crucial in several phases of the bank’s development, especially in building the current strong fundraising base. Replacing his extensive expertise and role will be a challenge for the current organization. I wish Antoni all the best and success in the next phase of his career,” says Sampsa Laine, CEO of Alisa Bank.

For the time being, Airikkala will continue in his position and support the transition phase. Further information regarding the reallocation of responsibilities and any other related decisions will be announced later.

Further information
 
Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi, tel. +358 40 555 9035 
 
Alisa Bank in brief 
 
Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 27.6.2025 AT 12.00 EEST

The Director of Personal Customers, Deputy CEO and member of the Management Team at Alisa Bank Plc, Juha Saari, has announced that he will step down from his position at the company. Saari will continue in his role and as a member of the Management Team until August 31, 2025.

"I warmly thank Juha for the key and wide-ranging role he has played at Alisa Bank and its predecessor organizations. His contributions have been instrumental both in advancing our consumer finance business and in defining the company’s current strategic direction. His departure will leave a significant gap at Alisa, both in terms of expertise and on a human level. I wish Juha all the best and great success in the next phase of his career," commented Sampsa Laine, CEO of Alisa Bank.

For the time being, Saari will continue in his position and support the transition phase. Further information regarding the reallocation of responsibilities and any other related decisions will be announced separately at a later date.


Further information 
 
Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi, tel. +358 40 555 9035 
 
Alisa Bank in brief 
 
Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE, INSIDER INFORMATION 18.6.2025 KLO 15.45 EEST

Alisa Bank brings down the outlook for 2025. The prolonged uncertainty in the operating environment has been reflected in weaker-than-expected demand for all of the bank’s main products, as well as a high level of credit loss provisions. 

Invoice financing volumes and demand are typically low in the first quarter of the year, but during this spring, the utilization rates of invoice financing limits have remained exceptionally low, and the recovery has been slower than usual. In addition, the growth pursued through Banking-as-a-Service partnerships has not developed as targeted. 

While there have been signs of recovery in the demand for business financing during the second quarter of the year, the challenging start to the year is difficult to offset. 

Operating expenses have developed as expected during the early part of the year. Due to weaker income performance, the company launches a cost-saving program, the results of which will be mostly visible in 2026.

New outlook for 2025

The prolonged uncertainty of the operating environment is weakening the company's profit performance for 2025. Alisa Bank continues to implement the renewed strategy and develop BaaS partnerships. The bank’s target is profitable growth in business financing, taking into account the economic uncertainty affecting lending. The profit before non-recurring items and taxes for year 2025 is expected to decline from 2024 level. 

Previous outlook for 2025, that was published in connection with the Financial Statements Bulletin 2024

After a year of changes, Alisa Bank will implement the renewed strategy in the 2025 fiscal year and continue to develop BaaS partnerships. There are early positive signs in the general economic situation, although there is still uncertainty regarding the development of the operating environment. If the economic recovery continues, combined with the implementation of the bank’s renewed strategy, it will support the bank’s income growth during the current financial year. For the reasons mentioned above, and due to the impact of the annual cycle of invoice financing business, favorable development is expected to be emphasized in the second half of the year.

The profit for the second half of 2024 reflects the current financial state of the renewed Alisa. The profit before non-recurring items for 2025, is estimated to develop favorably compared with the current financial state.

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi, tel. +358 40 555 9035

Alisa Bank

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 27.5.2025 AT 13.50 EEST

On 27 May 2025, the Extraordinary General Meeting elected Olli-Petteri Lehtinen as Chair and Johanna Lamminen as Deputy Chair of the Board of Directors.

At the organisational meeting of the Board of Directors on 27 May 2025 held after the Extraordinary General Meeting, Johanna Lamminen was elected as Chair and Sami Honkonen and Marjo Tomminen as members of the audit committee.

Karri Haaparinne was elected as Chair and Peter Ramsay and Tero Weckroth as members of the personnel committee.

At its organisational meeting, the Board assesses the members' independence from the company and its significant shareholders. All members are independent of the company and the company's significant shareholders except for Peter Ramsay who is assessed as not independent of the significant shareholders.

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi, tel. +358 40 555 9035

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 27.5.2025 AT 13.40 EEST

Alisa Bank Plc’s Extraordinary General Meeting held on 27 May 2025 resolved on the number of Board Members, election of two new Board Members and the election of the chair and vice chair of the Board.

Members of the Board of Directors

A total of seven (7) members were confirmed as the number of members of the Board of Directors. 

In addition to the current members Karri Haaparinne, Sami Honkonen, Johanna Lamminen, Marjo Tomminen and Tero Weckroth, Olli-Petteri Lehtinen and Peter Ramsay were elected as new members of the Board. The term of office of the Board Members shall expire at the close of the Annual General Meeting that follows their election.

Olli-Petteri Lehtinen was elected Chairman of the Board and Johanna Lamminen was elected Deputy Chairman.

More information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi, tel. +358 40 555 9035

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 5.5.2025 AT 11.35 EEST

Alisa Bank Plc's shareholders are invited to the Company's Extraordinary General Meeting, which will be held on 27 May 2025 at 10:00 a.m. EEST at the address Jura-Sali, Kasarmikatu 21 B, Helsinki.

Instructions for participating in the Extraordinary General Meeting can be found in part C. of this invitation and on the company’s website at www.alisabank.com/extraordinary-general-meeting-2025

A. Items on the agenda of the General Meeting

1. Opening of the meeting

2. Calling the meeting to order

3. Election of persons to scrutinise the minutes and to supervise the counting of votes

4. Recording the legality of the meeting

5. Recording attendance at the meeting and adoption of the list of votes

6. Resolution on the number of Members of the Board of Directors

Alisa Bank Plc Board of Directors currently consists of five members: Johanna Lamminen, Sami Honkonen, Tero Weckroth, Marjo Tomminen and Karri Haaparinne. 

The Shareholders’ Nomination Board proposes to the 2025 Extraordinary General Meeting that the number of the Members of the Board of Directors is seven (7). 

7. Election of Members of the Board of Directors 

The Shareholders' Nomination Board proposes for a period until the end of the next Annual General Meeting that, in addition to the current members, Olli-Petteri Lehtinen and Peter Ramsay be elected as new members of the Board.

The candidates have given their consent to the position.

The Shareholders' Nomination Board proposes to the General Meeting that Olli-Petteri Lehtinen be elected as Chair of the Board and Johanna Lamminen as Vice Chair.

All proposed Board Members are estimated to be independent of the company. In addition, all proposed Board Members are estimated to be independent of the company's significant shareholders except for Peter Ramsay, who is not estimated to be independent of the company´s significant shareholders.

More information of the proposed new Board Members can be seen on the company's website at www.alisabank.com/extraordinary-general-meeting-2025.

8. Closing of the meeting

B. General Meeting documents

The above-mentioned proposed resolutions on the agenda of the General Meeting and this meeting notice are available on the company's website at www.alisabank.com/extraordinary-general-meeting-2025 no later than 5 May 2025.

Resolution proposals and other documents mentioned above are also available for viewing at the General Meeting. The minutes of the General Meeting can be viewed by shareholders on the above-mentioned website no later than 5 June 2025.

C. Instructions for meeting participants

1. A shareholder entered in the shareholder register

The right to participate in the General Meeting belongs to the shareholder who is registered as a shareholder in the company's shareholder register kept by Euroclear Finland Oy on the record date of the General Meeting on 15 May 2025. A shareholder whose shares are registered in his/her personal Finnish book-entry account is registered in the company's shareholder register.

Registration for the General Meeting begins on 5 May 2025. A shareholder entered in the company's shareholder register who wishes to participate in the General Meeting must register no later than 22 May 2025 at 4:00 p.m., by which time the registration must be received. 

You can register for the General Meeting via e-mail to the address yhtiokokous@alisapankki.fi.

When registering, you must provide the requested information, such as the shareholder's name, address, telephone number and e-mail address, as well as the name of any assistant or agent. The personal data provided by the shareholders will only be used for the processing of the General Meeting and related necessary registrations.

The shareholder, his/her representative and proxy must be able to prove their identity and/or right of representation at the meeting place, if necessary.

2. Owners of nominee registered shares

The owner of nominee registered shares has the right to participate in the General Meeting on the basis of those shares, on the basis of which he would have the right to be entered in the shareholder list kept by Euroclear Finland Oy on the record date of the General Meeting on 15 May 2025. Participation also requires that the shareholder has been temporarily entered in the shareholder list kept by Euroclear Finland Oy on the basis of these shares by 22 May 2025 at 10:00 a.m. at the latest. For holders of nominee-registered shares, this is considered registration for the General Meeting. Changes in share ownership after the record date of the General Meeting do not affect the right to participate in the General Meeting or the shareholder's number of votes.

The owner of a nominee registered share is advised to request the necessary instructions from the asset manager in good time regarding temporary registration in the shareholders' register, issuing proxies and voting instructions and registering for the General Meeting. The account manager of the asset manager must notify the owner of the nominee-registered share, who wants to participate in the General Meeting by voting in advance, to be temporarily entered in the company's shareholder list by the above-mentioned date at the latest.

3. Using an agent and powers of attorney

The shareholder may participate in the General Meeting and exercise his/her rights there through a proxy. The agent must present a dated power of attorney, or he must otherwise prove in a reliable way that he/she is entitled to represent the shareholder. If the shareholder participates in the General Meeting through several proxies, who represent the shareholder with shares in different securities accounts, the shares on the basis of which each proxy represents the shareholder must be indicated when registering.

Potential proxies are requested to be saved as attachments delivered by e-mail to yhtiokokous@alisapankki.fi or by post to” Yhtiökokous”, Alisa Bank Plc, Bulevardi 21 A, 00180  Helsinki before the end of the registration period on 22 May 2025 at 16:00, by which time the proxies must be in. Submitting the power of attorney to the company before the end of the registration period is considered registration for the General Meeting, as long as it contains the aforementioned information required for registration.

4. Other instructions/information

The meeting language is Finnish.

The shareholder present at the General Meeting has the right to ask questions about the matters discussed at the meeting in accordance with Chapter 5, Section 25 of the Limited Liability Companies Act.

Changes in share ownership after the record date of the General Meeting do not affect the right to participate in the General Meeting or the shareholder's number of votes.

On the date of the meeting notice, 5 May 2025, Alisa Bank Plc has a total of 150 031 563 number of shares. The company holds on 5 May 2025 directly and through subsidiaries a total of 14 081 shares which cannot be used to vote at the General Meeting.

Helsinki, 5 May 2025

ALISA BANK PLC

The Board of Directors

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi, tel. +358 40 555 9035

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank

ALISA BANK PLC STOCK EXCHANGE RELEASE 5.5.2025 AT 11.25 EEST

Proposal of the Shareholders’ Nomination Board for the composition of the Board of Directors 

Proposal for the composition of the Board of Directors

The Shareholders’ Nomination Board proposes to the Extraordinary General Meeting 2025 that the Board of Directors consists of seven (7) members.

The Board of Directors currently consists of five members i.e Karri Haaparinne, Sami Honkonen, Johanna Lamminen, Marjo Tomminen and Tero Weckroth. The Nomination Board proposes that Olli-Petteri Lehtinen and Peter Ramsay be elected as new members of the Board of Directors for a term of office ending at the end of the next Annual General Meeting. 

The Shareholders' Nomination Board proposes to the Extraordinary General Meeting that Olli-Petteri Lehtinen be elected as Chair of the Board and Johanna Lamminen as Vice Chair.

All proposed Board Members are assessed to be independent of the company. In addition, all proposed Board Members are assessed to be independent of the company's significant shareholders except for Peter Ramsay who is assessed as not being independent of the company´s significant shareholders. All candidates have given their consent to the position.

The CV’s of proposed new members are attached to this stock exchange release.

Alisa Bank Plc

Shareholders' Nomination Board

Further information

Maunu Lehtimäki, Chairman of the Nomination Board, maunu.lehtimaki@evli.com, tel. +358 505 533 000

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com 

ALISA BANK PLC PRESS RELEASE 10.4.2025 AT 08:00 EEST

Alisa Bank Plc and Fennoa Oy have entered into a partnership to provide Fennoa’s more than 42,000 accounting company customers with comprehensive and cost-effective banking services. At the core of this collaboration is the Fennoa Payment Package, which offers businesses a seamless and affordable solution for daily financial management.

The Fennoa Payment Package is an add-on service provided by Alisa Bank that can be linked to a company’s current account. It enables a fixed-price banking connection between Alisa Bank and Fennoa’s financial management software. With this service, business customers can authorize Fennoa to deliver payment materials, receive payment feedback, and retrieve account statements and real-time balances—without additional transaction-based fees. The service will be available at a fixed monthly price of €19.90 and is designed for companies that value efficient data transfers and up-to-date financial information at a cost-effective price. The service is expected to launch by the end of 2025.

Lasse Elfving, CPO, Fennoa: "We are pleased to offer our customers cost-effective and reliable banking services as part of a comprehensive financial management solution. This partnership supports our mission to simplify business operations by providing easy-to-use and automated services."

Sampsa Laine, CEO, Alisa Bank: "We are excited about our collaboration with Fennoa, as it allows us to reach new customers and offer them modern and cost-effective banking services. This partnership is a great example of our strategy to develop services together with industry leaders."

This collaboration is part of Alisa Bank’s partnership strategy, which aims to integrate its banking services into the everyday service channels used by customers. The partnership strengthens Alisa Bank’s position as a trusted banking partner for financial management service providers.

More information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi, Tel. +358 40 555 9035

Lasse Elfving, CPO, Fennoa Oy, lelfving@fennoa.com, Tel. +358 50 347 2743

Alisa Bank

Alisa Bank Plc is a technology-driven financial services company offering seamless banking services through digital channels. We serve business clients, savers seeking competitive interest rates for their deposits, and partners. Together with our partners, we integrate banking services into the channels customers use daily. Alisa Bank Plc shares are listed on the Nasdaq Helsinki main market (ALISA) and the bank operates under a license granted by the Finnish Financial Supervisory Authority. www.alisapankki.fi

Fennoa

Fennoa Oy is a Finnish financial management software company that provides easy-to-use and automated Fennoa cloud service for accounting firms and their customers. Founded in 2014, Fennoa aims to simplify financial management for its customers. The company’s services are used by more than 800 accounting firms and over 42,000 businesses and associations. Fennoa processes over one million invoices and calculates more than 60,000 salaries per month. www.fennoa.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 9.4.2025 AT 10.00 EEST

Alisa Bank Plc's Nomination Board prepares proposals for the members of the Board of Directors as well as their remuneration for the Annual General Meeting. The Nomination Board has four members. The members of the Nomination Board are appointed by the four largest shareholders, each of whom has the right to appoint one member. 

The composition of the Nomination Board has changed as follows compared to the September 16, 2024, release. 

The composition from 9.4.2025 is:

• Maunu Lehtimäki, Evli Plc
• Juhani Elomaa, Taaleri Plc
• Antti Kemppi, Kempinvest Oy
• Mika Laine, Mika Laine/Veikko Laine Oy/JOG Oü

Maunu Lehtimäki is the Chairman of the Nomination Board. The Chairman of the Board of Alisa Bank Plc participates in the work of the Nomination Board as an expert.

Further information

Maunu Lehtimäki, chair of the Nomination Baord, tel. + 358 50 553 3000

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 4.4.2025 AT 12.20 EEST

Jukka Salonen, Chair of the Board of Directors of Alisa Bank Plc, has informed the company that he resigns from the Board of Directors with immediate effect due to personal reasons that are not related to Alisa Bank Plc or its business activities.

More information

Johanna Lamminen, Vice Chair of the Board, Alisa Bank Plc

johanna.lamminen@elisanet.fi, tel. +358 40 848 4448

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 21.3.2025 AT 15.30 EET

On 20 March 2025, the Annual General Meeting elected Jukka Salonen as Chair and Johanna Lamminen as Deputy Chair of the Board of Directors.

At the organisational meeting of the Board of Directors on 20 March 2025 held after the Annual General Meeting, Johanna Lamminen was elected as Chair and Sami Honkonen and Marjo Tomminen as members of the audit committee.

Jukka Salonen was elected as Chair and Karri Haaparinne and Tero Weckroth as members of the personnel committee.

At its organisational meeting, the Board assesses the members' independence from the company and its significant shareholders. All members are independent of the company and the company's significant shareholders.

More information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi, tel. +358 40 555 9035

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com

ALISA BANK PLC STOCK EXCHANGE RELEASE 20.3.2025 AT 16.10 EET

Alisa Bank Plc’s Annual General Meeting held on 20 March 2025 confirmed the financial statements and granted the members of the Board of Directors, the CEO and the Deputy CEO a discharge from liability for the financial year 2024.

The Annual General Meeting decided, in accordance with the Board's proposal, that no dividend will be paid for the financial year 2024.

The Annual General Meeting approved the remuneration report of the company's bodies for 2024. 

The Board of Directors and the Auditor

A total of six (6) members were confirmed as the number of members of the Board of Directors. Sami Honkonen, Johanna Lamminen, Jukka Salonen and Tero Weckroth were re-elected as members of the Board. Karri Haaparinne and Marjo Tomminen was elected as new members of the Board. The term of office of the Board Members shall expire at the close of the Annual General Meeting that follows their election.

Jukka Salonen was elected Chairman of the Board and Johanna Lamminen was elected Deputy Chairman.

The auditing firm KPMG Oy Ab was chosen as the Auditor, with APA Tiia Kataja as the principal auditor. The auditor is paid according to a reasonable invoice approved by the company.

Remuneration for the Members of the Board

Regarding the remuneration of the Board, the General Meeting decided that the fixed monthly fee of the Board Members is determined as an annual remuneration and paid once a year. The annual remuneration for the board members for the term ending at the conclusion of the 2026 Annual General Meeting is as follows: EUR 60,000 for the Chairman of the Board, EUR 48,000 for the Committee Chairs and EUR 38,400 for each other Board Member.

Approximately 40 percent of the annual fees will be paid in Alisa Bank Plc shares purchased from the market on behalf of the Board Members, or alternatively by handing over the company's own shares or issuing new shares. When transferring the company's own shares or issuing new shares, the share conversion rate is the weighted average price of the company's share exchange in Nasdaq Helsinki Oy for the period of five trading days after the publication of the company's half-year report 2025. The company is responsible for the costs and possible transfer tax arising from the acquisition, transfer or giving of the shares. The rest of the annual fee is paid in cash, which covers the taxes arising from the fee.

The shares will be acquired directly on behalf of the Board Members within two weeks after the company's 2025 half-year report is announced. The transfer of the company's own shares or the issuance of new shares takes place as soon as possible after the reward has been converted into shares. If the acquisition, transfer or giving of the shares cannot be carried out at the aforementioned time due to legal or other regulatory restrictions or for another reason related to the company or the Board Member, the shares will be acquired, transferred or given later or the annual remuneration will be paid in full in cash.

Authorisation of the Board of Directors to decide on acquisition of own shares

It was resolved, in accordance with the proposal of the Board of Directors, that the Board of Directors is authorised to decide on the acquisition of a maximum of 7 501 578 own shares in one or more installments with the company's free equity capital. The number of shares corresponds to approximately 5 percent of the Company's shares. The shares are acquired in a public trading organized by Nasdaq Helsinki Oy, other than in proportion to the shareholders' holdings, at the market price at the time of acquisition. The authorisation is valid until the end of the next Annual General Meeting, but no later than 30 June 2026. The authorisation can be used, for example, to implement possible business acquisitions and incentive systems for key personnel or for other purposes decided by the Board. The shares acquired on the basis of the authorisation can otherwise be further transferred, kept by the company or cancelled. The Board can decide on all other conditions for acquiring own shares. The company's previous authorisation for the purchase of its own shares expired at the Annual General Meeting on 20 March 2025.

Authorisation of the Board to decide on issuing shares and option rights and other special rights entitling to shares

It was resolved, in accordance with the proposal of the Board of Directors, that the Board of Directors is authorised to decide on the issue of shares and the issue of special rights entitling to shares referred to in Chapter 10, Section 1 of the Limited Liability Companies Act in one or more installments, either against payment or without payment. The number of shares to be issued, including shares obtained based on special rights, can be a maximum of 7 501 578 shares in total. The Board can decide to issue either new shares or transfer any of its own shares that may be in the company's possession.

The maximum amount of authorization corresponds to about 5 % of all the company's shares, based on the situation on the day of the meeting notice. The authorisation entitles the Board to decide on all conditions for issuing shares and granting special rights entitling to shares, including the right to deviate from the shareholders' preemptive right. The authorisation is to be used, for example, to pay the purchase prices of business transactions, to pay the incentive fee according to the incentive system for key personnel, or for other purposes decided by the Board. The authorisation also includes the right to decide whether the subscription price of the share will be fully or partially entered into the invested unrestricted equity fund or as a share capital increase. The authorisation is to be valid until the end of the next Annual General Meeting, but no later than 30 June 2026. The previous authorisation of the Board ended with the Annual General Meeting on 20 March 2025.

Further information

Sampsa Laine, CEO, Alisa Bank Plc, sampsa.laine@alisapankki.fi, tel. +358 40 555 9035

Alisa Bank in brief

Alisa Bank Plc is a financial technology company that provides seamless banking services through digital channels. We serve SME customers, deposit customers seeking competitive interest returns on their deposits and partners. Together with our partners, we offer integrated banking services in the channels where customers carry out their daily business. Alisa Bank Plc’s shares are listed on the main list of Nasdaq Helsinki (ALISA), and it holds a license granted by the Financial Supervisory Authority. www.alisabank.com