Strategy and Values

Description of Strategy

OP provides corporate and institutional customers with a diverse range of banking, asset management and non-life insurance services, and private individuals with an extensive range of non-life insurance and private banking services.

Finland and its neighbouring regions constitute OP's key market area. OP knows its customers well and is in close interaction with them. OP will build customer relationships on a long-term basis with the aim of establishing total customer relationships. OP is making dedicated efforts to further develop its service network in Finland and neighbouring regions. In other market areas, OP's service capabilities are based on cooperation with high-profile local or international partners.

OP stands out from the competition based on its competencies and high-quality solutions. OP's competitive edge lies in our customer focus, comprehensive financial services and stable ownership base. As part of OP-OP Group, OP's largest shareholder, OP boasts the most extensive and diversified service network and largest clientele in Finland.

OP aims at strengthening its market position and growing profitably to enable a competitive Total Shareholder Return. OP will secure business continuity by maintaining a strong capital base. Joint liability with OP-OP Group Group's member cooperative banks strengthens OP's creditworthiness.

Highly skilled and motivated employees are a prerequisite for providing comprehensive solutions and the best service within the sector. OP enhances its intellectual capital systematically as part of business.

Strategy in a Nutshell

Competitive Advantages

Promises to Stakeholders


OP's vision is to be the most preferred financial services partner.


OP's mission is to promote the prosperity, security and wellbeing of its customers.