Sustainable funding. Funding on a long-lasting foundation and in view of client dangers

Sustainable funding. Funding on a long-lasting foundation and in view of client dangers

OP’s considerable number of products allows loan that is providing with comprehensive and safe funding solutions at reasonable price.

Funding on a long-term foundation and in view of consumer dangers

OP constantly takes an approach that is holistic financing to clients. The lending issues that are biggest deciding on personal clients relate with their debt-servicing ability plus the loan size. It is important to identify financial risks associated with their business or the project to be financed, and environmental risks when it comes to corporate customers.

Careful dedication of a person’s status while the foundation

We base our funding for personal clients on our Code of company Ethics and Code of Ethics for Lending. In this respect, we emphasis economic and responsibility that is social. In financing, we observe laws on good financing methods together with guidelines granted because of the Financial Supervisory Authority.

We aim at long-standing client relationships in financing to customers that are private. Whenever giving that loan, we carefully analyse an individual’s debt-servicing ability and fit the mortgage size to complement their payment capability. Our considerable selection of products provides us having a solid foundation to provide loan candidates comprehensive and safe solutions at reasonable price.

We advise clients whom belong to financial hardships to get hold of their bank as quickly as possible, because very early intervention translates to that we now have more potential measures available for repairing the specific situation.

We now have indirect obligation in businesses’ business

As a monetary solutions team, OP has indirect duty whenever it concerns funding for business clients. Our financing choices simply simply take account of social duty and ecological dilemmas. It is vital with this assessment to spot possible dangers connected with major tasks and sectors that are risky.

In addition to our very own analysis, we might consult a separate specialist whom assesses environmental dangers with regards to a person consumer or perhaps a task become financed. The identified dangers perform their part inside our financing decisions.

ESG analysis

In 2019, OP business Bank developed its analysis that is ESG, personal & Governance) within the evaluation of business customers’ creditworthiness. This analysis examines busi-nesses and jobs financing that is seeking including their results and dangers in terms of weather modification, waterways or land usage. In regards to culture and governance, ESG analysis examines elements such as employee well-being, board independency and transparency of taxation. The analysis seeks to identify material ESG risks and possibilities for the bank’s corporate customers, which supports towards the credit assessment that is traditional.


In 2019, OP business Bank developed two items on the basis of the worldwide framework for sustainable finance: the green loan and sustainability-linked loan. In green loans, the cor-porate client undertakes to make use of the borrowed assets for defined jobs, whereas in sustainabil-ity-linked loans the organization client commits itself to sustainability performance goals which can be jointly agreed during the financing stage. The loan is affected by these targets margin. With your loans that are green sustainability-linked loans, we encourage businesses to boost their sustainability

OP?s obligation concepts in project finance

The Equator concepts (EP) is just a standard when you look at the economic solutions industry. It’s a danger administration framework for determining, evaluating and handling ecological and social risk in jobs. OP Financial Group adopted the Equator axioms (EPs) towards the end of 2016. Tasks at issue are implemented in OP business Bank Plc. The appropriate workers employed in task funding and relevant funding in OP Corporate Bank’s business finance have already been trained to adhere to OP’s internal EP process.

In training, OP applies the EPs by performing the after phases:

OP identifies the tasks whoever nature and size autumn in the EP range. OP makes environmental and social assessments among these tasks utilizing product provided by the consumer and where necessary, separate experts and web site visits. On the basis of the supplied material, an EP expert employed in business finance assesses the task’s ecological dangers in addition to approaches to mitigate them. The EP expert cooperates utilizing the individuals negotiating the task’s funding in accordance with legal solutions whenever drawing within the financing terms.

With the individual accountable for funding, the EP expert presents the task in a body that is decision-making compliant with the chance policy, whose committee verifies the EP danger level and action plan. The committee’s declaration on EP conformity is appended into the funding choice.

OP monitors the jobs yearly to ensure the planned actions are implemented through the ecological and perspective that is social. The client must submit a study regarding the task’s progress. In case of abuse, OP passes through the suitable measures with other financiers.

OP reports yearly the jobs within EP range towards the Equity Principles Association.

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