OP Group


Established in 1902, OP Financial Group is a cooperative financial services group formed by independent cooperative banks and the Group's central cooperative with its subsidiaries operating under the principle of joint and several liability.

OP Financial Group's business segments are Banking, Non-life Insurance and Wealth Management.

OP's Banking is the Group's largest business segment providing customers with an extensive and comprehensive range of products and services. Banking is divided into the Private Customers, Corporate Customers, Markets, and Baltics.

With respect to corporate customers, OP provides services to SMEs, large corporations, and organisations and associations. We provide our customers with a wide range of services for financing, payment transactions and cash management, investment, risk management and the development of business. We always tailor our solutions to the needs of our corporate customers.

OP is investing in international service capabilities according to its customer needs, which means that OP will partner up with carefully selected, strong local players in markets important to its customers while expanding its operations in the Baltic countries.
We support corporate business growth and investments by arranging customised financing solutions that diversify the capital and financing structure of our corporate customers. We help our customers manage risks by analysing various capital solutions and market and asset-liability management risks.

Our financing solutions include loans, guarantees and leasing and factoring solutions. In addition, we aim to find the most suitable customer solutions for efficient and productive cash management, which forms an important part of a company's financial management. We provide our customers with solutions for cash flow and currency exposure management, short-term needs for working capital and surplus management.

OP is Finland’s leading non-life insurer, providing its private customers and corporate and institutional customers with a diverse range of comprehensive insurance solutions. OP's Non-life Insurance divisions consist of Private Customers, Corporate Customers, Baltics, and Health and Wellbeing. OP's non-life insurance operations comprise OP Insurance, A-Insurance, Eurooppalainen Insurance Company and Seesam operating in the Baltic countries.

In Wealth Management, we provide a diverse range of services and products in unit-linked insurance, mutual funds, and discretionary and advisory mandates. OP's goal is to find an ideal solution for each customer's savings and investment needs. Wealth Management business divisions consist of Private Customers, Corporate Customers, Investment, and Wealth Management Products.

Pohjola Hospital is an independent, OP Financial Group hospital to which all private and corporate customers are welcome.