Business segments

OP Financial Group’s business consists of the following three main business segments: Retail Banking (Banking for private and SME customers), Corporate Banking (Banking for corporate and institutional customers), and Insurance (Insurance customers).

We provide our customers with the most extensive and diversified range of banking, investment and insurance services and the best loyalty benefits in the country. We are a local player with services available through a diverse range of digital channels and the most extensive network of branches nationwide.

The Retail Banking segment consists of banking for private and SME customers at OP cooperative banks and at the central cooperative consolidated. We wish to provide the best customer experience both locally and digitally, and to be a reliable and flexible financial partner for our customers in their various situations. We seek to secure financial prosperity for our customers.

The Corporate Banking segment consists of banking and investment management services for corporate and institutional customers. Through long-term cooperation, we support our customers’ business success, growth and internationalisation. As a corporate partner, we seek to foster sustainable economy.

The Insurance segment comprises Pohjola Insurance, OP Life Assurance Company and Pohjola Hospital. We aim to ensure that our customers have a versatile and comprehensive insurance cover. We work as a risk management partner, helping our customers to manage and anticipate risks.

OP is Finland's leading provider of home and corporate loans. We wish to provide the best customer experience both locally and digitally, and to be a reliable and flexible financial partner for our customers in their various life situations. We serve our customers both in digital channels and through our extensive branch network. We seek to secure financial prosperity for our customers and to promote their personal financial management and success.

Our private customers can do their daily banking transactions and make payments in various channels regardless of time and place, such as on the award-winning OP-mobile, on Pivo, and through Our digital home loan service enables OP customers to apply for and receive a home loan decision and offer online, which are binding on the bank. It is possible to discuss loans over the phone, in a remote conference or face to face at a bank branch, and customers can sign their loan documents electronically, too, if they so wish.

We provide our customers with all services related to buying, selling or renting a home. OP Koti combines housing-related services into a single entity at Our range of services also includes versatile saving and investment services and extensive owner-customer benefits. Our goal is to increase our customers’ wealth and financial literacy. We give investment advice at our branches. In addition, we offer a personalised, award-winning Private Banking service.

We provide SME customers with all of the corporate and entrepreneur banking services, financing, payment transaction and cash management services, investment services, and expert services related to business development. As a partner for companies, we want to promote the success and growth of local business. When we know our customers well and are in close interaction with them, we can customise solutions for each of them.

OP Corporate Bank is Finland’s leading bank for corporates and institutions. We provide extensive services for various situations: financing, hedging, payment services, management of cash flows and working capital, asset management and risk management. We support the success of our customers in their business through long-term cooperation. We continue to improve our services in various service channels in order to deliver the best customer experience in the market. 

Finland, Estonia, Latvia and Lithuania are our home market. Our strength is an extensive, local service network in Finland. In addtion, we offer extensive services and our partner network for the international needs of our customers. As a partner for corporates, we wish to promote a sustainable economy and the success and internationalisation of Finnish business.

We provide comprehensive debt and equity financing solutions from our balance sheet and from the capital markets. In capital market services, we provide comprehensive services to all customer groups for hedging against market risks and trading in financial markets.

The goal of our solutions that streamline purchasing and sales is, for their part, to support customers’ liquidity management as well as asset and liability management. We seek options to customer financing of consumers and companies, in Finland and abroad. We bring solutions to online and mobile purchases and payments. We support the effective management of cash flows with account and limit solutions.

We provide our corporate and institutional customers with comprehensive investment management services, from discretionary portfolio management to advisory asset management. In addition, our range of services includes modern risk reporting and portfolio analysis, and solutions to companies’ liquidity management.

We provide an extensive and diverse range of non-life and life insurance services to private, corporate and institutional customers. We are further developing our service concepts, our digital insurance and claims services and our claims services partner network to deliver a uniform and high-quality customer experience. The Insurance Customers business segment comprises Pohjola Insurance, OP Life Assurance Company and Pohjola Hospital.

We want to ensure that our customers have a versatile and comprehensive insurance cover. The key insurance lines for private customers include motor vehicle, home and other property policies as well as personal insurance, such as accident and health policies, for both home life and travelling.

 In services for corporate customers, we wish to be their risk management partner. We seek to safeguard the business continuity of our customers, support employees' work ability and help to create a safe working environment. We provide our customers with extensive and diversified risk management services which enable them to better ensure trouble-free and secure business operations in case of problems. The entrepreneur himself/herself, company staff, the company's fixed and current assets, cargo, vehicles and the business itself are the key insured objects or persons in the field of business insurance. OP also offers cyber-insurance against data damage and occupational healthcare service that can be included in the personnel's personal insurance contracts.

In claims services, OP has partnership agreements with firms representing over 20 industries, such as healthcare services providers, car repair shops, eyeglass retailers, building renovation firms and household appliance retailers. Through partnerships, OP ensures excellent customer experience, cost-efficient and even-quality claims settlement services and their easy availability.

 Our Claim Help at provides our customers with a smooth way of managing claims. The Claim Help service provides customers with information in the case of loss or damage, the contact details of our partners and information on what each insurance covers. Claim Help is also available on OP-mobile and OP Business mobile.