OP Pohjola's Financial Statements Bulletin 1 January–31 December 2025: Another strong year for OP Pohjola – operating profit EUR 2,269 million

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• Operating profit for 2026 is expected to be at a good level but lower than that for 2025

  80% confidence

• OP Pohjola's operating profit for 2025 was EUR 2,269 million, the second-best figure in our history

  80% confidence

• Finland's largest provider of corporate loans, we support the growth and success of Finland and its private sector

  80% confidence

• Bigger and stronger OP cooperative banks will strengthen our ability to serve our owner-customers and corporate customers on a broader, more versatile basis around Finland

  80% confidence

• OP Pohjola is one of the most financially solid large banks in Europe

  80% confidence

• Our good financial performance would enable a more than tenfold increase in OP bonuses earned from home, property and motor vehicle insurance in 2026, providing total additional benefit of more than EUR 30 million

  80% confidence

• In 2025, more than 80% of our personnel participated in AI training, and almost 13,000 of our employees now use an AI assistant

  80% confidence

• We are the clear market leader in home loans in Finland

  80% confidence

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