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Alisa Bank intends to sell the majority of its consumer loan portfolio. Proceeds should reasonably be used to accelerate business lending growth, organically and inorganically, to fill the gap from lost income.
Alisa Bank announced a collaboration with Nordea, to provide financing services for its entrepreneur clients. The collaboration is in our view significant through the credibility gained and growth of addressable market.
Alisa Bank’s H1 was slightly weaker than expected. We remain cautious on near-term development but note good profitability potential should market conditions improve and growth investments yield more results.
Alisa Bank issued a profit warning, with continued weaker demand driving lower volumes. 2025 PTP excl. NRI’s is expected to be negative, a notable decrease from the bank’s previous expectations.
Alisa Bank’s H2 was in line with our expectations on profitability while growth was more constrained than anticipated by loan volume declines in H2. Earnings are seen to increase notably in 2025, but the volume outlook remains on the cautionary side.
Alisa Bank’s H2 financials corresponded to our expectations, although NII and subsequently total income fell slightly short. H2 saw the loan portfolio decline notably from H1. The adj. PTP as expected turned positive. Alisa Bank estimates that the bank’s operating result will continue to develop positively during 2025.
Alisa Bank reports its H2 results on February 14th. With the profit warning issued in December we keep our estimates intact. While heading into 2025 with somewhat cautious expectations, we still expect improvements in total income and profitability, with further upside from potential improvements in market conditions.
Alisa Bank issued a profit warning for 2024, lowering expectations for total income and profitability due to the prolonged market uncertainty.
Alisa Bank’s H1 results were weak, as expected, but gave further confirmation of the profit levels to be expected going forward after the combination with PURO Finance.
Alisa Bank’s H1 profitability was in line with our expectations, with PTP at EUR -2.0m (Evli EUR -2.1m), and the report brought with it no notable surprises.
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ALISA BANK PLC STOCK EXCHANGE RELEASE 12.2.2026 AT 17.52 EET
Alisa Bank Plc’s Board of Directors has today appointed Aki Gynther as deputy CEO starting from 16 March 2026. Gynther will serve as acting Chief Financial Officer and member of the Management Team during CFO Kukka Lehtimäki´s parental leave.
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 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).
Group key figures (EUR 1,000) | Jan-Dec 2025 | Jan-Dec 2024 | Jul-Dec 2025 | Jul-Dec 2024 | Jan-Dec 2023 |
Net interest income | 12,263 | 15,075 | 5,650 | 8,280 | 14,757 |
Net commission income and expenses | 1,402 | 1,815 | 674 | 1,017 | 1,785 |
Total operating costs | -13,697 | -12,781 | -7,073 | -6,350 | -11,398 |
Realised and expected credit losses | -3,309 | -5,527 | -973 | -2,304 | -5,443 |
Profit before taxes | -2,093 | -1,317 | -492 | 678 | -140 |
*Profit before non-recurring items and taxes | -3,351 | -137 | -1,911 | 862 | 389 |
*Cost to income ratio, % | 92 | 75 | 94 | 68 | 68 |
Balance sheet total | 305,959 | 450,604 | 305,959 | 450,604 | 312,398 |
*Return on equity (ROE), % | -5.9 | -3.9 | -2.7 | 4.4 | -0.5 |
*Capital adequacy ratio (TC), % | 34.6 | 17.6 | 34.6 | 17.6 | 15.1 |
Common Equity Tier (CET1) capital ratio, % | 31.1 | 15.1 | 31.1 | 15.1 | 12.0 |
Number of employees at the end of period | 79 | 80 | 79 | 80 | 78 |
Earnings per share (EPS), EUR | -0.01 | -0.01 | 0.01 | 0.01 | 0.00 |
*Credit losses/loan portfolio, % | 5.6 | 3.7 | 3.3 | 3.1 | 3.2 |
* 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
(1): Volume: 254110 Unit price: 0.199 EUR
(2): Volume: 4925 Unit price: 0.199 EUR
(3): Volume: 3325 Unit price: 0.199 EUR
(4): Volume: 5150 Unit price: 0.199 EUR
(5): Volume: 7180 Unit price: 0.199 EUR
(6): Volume: 5150 Unit price: 0.199 EUR
(7): Volume: 12720 Unit price: 0.199 EUR
(8): Volume: 5150 Unit price: 0.199 EUR
(9): Volume: 20589 Unit price: 0.199 EUR
(10): Volume: 5150 Unit price: 0.199 EUR
(11): Volume: 31568 Unit price: 0.199 EUR
(12): Volume: 5150 Unit price: 0.199 EUR
(13): Volume: 46415 Unit price: 0.199 EUR
(14): Volume: 5150 Unit price: 0.199 EUR
(15): Volume: 285 Unit price: 0.199 EUR
(16): Volume: 5150 Unit price: 0.199 EUR
(17): Volume: 4596 Unit price: 0.1955 EUR
(18): Volume: 347 Unit price: 0.1955 EUR
(19): Volume: 4820 Unit price: 0.197 EUR
(20): Volume: 2677 Unit price: 0.199 EUR
(21): Volume: 285 Unit price: 0.199 EUR
(22): Volume: 4465 Unit price: 0.199 EUR
(23): Volume: 226 Unit price: 0.199 EUR
(24): Volume: 2179 Unit price: 0.199 EUR
(25): Volume: 1689 Unit price: 0.199 EUR
(26): Volume: 3461 Unit price: 0.199 EUR
(27): Volume: 200 Unit price: 0.199 EUR
(28): Volume: 5150 Unit price: 0.199 EUR
(29): Volume: 4169 Unit price: 0.199 EUR
(30): Volume: 518 Unit price: 0.199 EUR
(31): Volume: 1743 Unit price: 0.199 EUR
(32): Volume: 5150 Unit price: 0.199 EUR
(33): Volume: 251 Unit price: 0.199 EUR
(34): Volume: 463 Unit price: 0.199 EUR
(35): Volume: 4687 Unit price: 0.199 EUR
(36): Volume: 2485 Unit price: 0.199 EUR
(37): Volume: 4952 Unit price: 0.199 EUR
(38): Volume: 198 Unit price: 0.199 EUR
(39): Volume: 746 Unit price: 0.199 EUR
(40): Volume: 3200 Unit price: 0.199 EUR
(41): Volume: 450 Unit price: 0.199 EUR
(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
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Company Facts
Guidance
The profit before non-recurring items and taxes for year 2025 is expected to decline from 2024 level.
Financial targets
The target for the group's total capital adequacy ratio is 16 percent.
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