Annual Report

The report describes OP Pohjola's 2025 transformation, including its name change from OP Financial Group and continued growth across banking, insurance and wealth management. It presents the group's first sustainability reporting under ESRS and CSRD, supported by a double materiality assessment and EU Taxonomy disclosures. Climate reporting includes operational Scope 1 and Scope 2 emissions, a 4,352,243 tCO2e Scope 3 total, financed-emissions targets and a 2050 net-zero ambition. The report also covers workforce diversity, governance oversight, responsible finance, biodiversity and digital transformation.