OP
OP Osuuskunta
Bank · FinlandAA+ · LEI 7437003B5WFBOIEFY714
Counterparty scoreBand A
87
Rating87w 40
Capital97w 25
Liquidity84w 15
Stability87w 10
Assets52w 5
Profit81w 5
Rating anchor and public pillars with published weights (w). Market overlay 0.0, bounded at ±10. Method
CET1 ratio
21.2%
−0.3 vs prior2026-06-30
Leverage ratio
11.3%
+0.0 vs prior2026-06-30
Total capital
22.2%
−0.3 vs prior2026-06-30
LCR
191%
−5.0 vs prior2026-06-30
NSFR
130%
−2.2 vs prior2026-06-30
Risk-weighted assets
80.5bn
+2.8% vs prior2026-06-30
16 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Asset quality
Balance sheet
Rating history
Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
nonet change
AAACCCpositive outlookstablenegativewent on watch
Every move since 2015
- 2018-12-04×Moody's withdrawal of Aa2
Every rating held today
| Agency | Type | Rating | Outlook | Date |
|---|---|---|---|---|
| Moody's | counterparty · long-term | Aa2 | — | 2026-04-21 |
| Moody's | deposit · long-term | Aa2 | stable | 2026-04-21 |
| Moody's | issuer credit · long-term | Aa3 | stable | 2026-04-21 |
| Moody's | counterparty · short-term | P-1 | — | 2026-04-21 |
| Moody's | deposit · short-term | P-1 | — | 2026-04-21 |
| S&P | issuer credit · long-term | AA- | stable | 2026-06-10 |
| S&P | resolution counterparty · long-term | AA- | — | 2026-06-10 |
| S&P | issuer credit · short-term | A-1+ | — | 2026-06-10 |
| S&P | resolution counterparty · short-term | A-1+ | — | 2026-06-10 |
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 months
Not listed, or no price data collected.
30-day realised volatility—
Drawdown from 52-week high—
Market signal— No market data
Last price—
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
No events collected yet. Rating actions and disclosures will appear here once the events pipeline runs.
Documents and feeds
EBA Transparency Exercise · published data file
10 documents · 7 metrics · 2015-12-31 to 2024-06-30
EBA Pillar 3 Data Hub · tagged XBRL filing
1 document · 8 metrics · 2025-06-30 to 2026-06-30
ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing
3 documents · 6 metrics · 2021-12-31 to 2025-12-31
Latest value of every metric held
| Metric | Value | Reference date | Source | Confidence |
|---|---|---|---|---|
| CET1 capital ratio | 21.21 | 2026-06-30 | EBA Pillar 3 Data Hub · tagged XBRL filing | 1.00 |
| Total deposits (currency millions) | 83,852.00 | 2025-12-31 | ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing | 0.85 |
| Cost-to-income or efficiency ratio | 45.18 | 2025-12-31 | ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing | 0.75 |
| Liquidity coverage ratio | 191.00 | 2026-06-30 | EBA Pillar 3 Data Hub · tagged XBRL filing | 1.00 |
| Leverage ratio | 11.35 | 2026-06-30 | EBA Pillar 3 Data Hub · tagged XBRL filing | 1.00 |
| Net interest margin | 1.46 | 2025-12-31 | ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing | 0.75 |
| Non-performing or noncurrent loan ratio | 3.01 | 2024-06-30 | EBA Transparency Exercise · published data file | 0.85 |
| Net stable funding ratio | 130.00 | 2026-06-30 | EBA Pillar 3 Data Hub · tagged XBRL filing | 1.00 |
| Overall capital requirement | 15.22 | 2026-06-30 | EBA Pillar 3 Data Hub · tagged XBRL filing | 1.00 |
| Return on assets | 1.11 | 2025-12-31 | ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing | 0.85 |
| Return on equity | 9.55 | 2025-12-31 | ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing | 0.85 |
| Risk-weighted assets (currency millions) | 80,523.00 | 2026-06-30 | EBA Pillar 3 Data Hub · tagged XBRL filing | 1.00 |
| Tier 1 capital ratio | 21.21 | 2026-06-30 | EBA Pillar 3 Data Hub · tagged XBRL filing | 1.00 |
| Total assets (currency millions) | 164,841.00 | 2025-12-31 | ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing | 0.85 |
| Total capital ratio | 22.22 | 2026-06-30 | EBA Pillar 3 Data Hub · tagged XBRL filing | 1.00 |