OP Corporate Bank plc's Financial Statements Bulletin 1 January–31 December 2025

Financial Performance - OP Corporate Bank's operating profit increased by 18% to €559 million compared to €473 million in the previous year [4] - Total income grew by 8% to €833 million from €773 million [4] - Net interest income rose by 9% to €576 million, while investment income totaled €131 million [4] - Other operating income saw a significant increase of 54% to €51 million [4] - Operating expenses increased to €306 million from €298 million, but the cost/income ratio improved to 36.8% from 38.6% [4] Segment Performance - Corporate Banking and Capital Markets segment's operating profit increased by 12% to €343 million [4] - Asset and Sales Finance Services and Payment Transfers segment's operating profit rose by 10% to €184 million [4] - The Baltics segment's operating profit decreased slightly to €38 million [4] - Group Functions segment reported an operating loss of €7 million, an improvement from a loss of €40 million [4] Balance Sheet Highlights - The loan portfolio grew by 2.8% to €29.1 billion, while the deposit portfolio decreased by 1.0% to €17.0 billion [4] - The CET1 ratio remained stable at 14.1%, exceeding the minimum regulatory requirement by 5.1 percentage points [4] - The ratio of non-performing exposures to total exposures improved to 1.4% from 1.8% [4] Economic Outlook - The Finnish economy is expected to recover gradually despite existing geopolitical tensions [6] - Exceptional risks remain in the business environment, which could affect capital markets and OP Pohjola's business environment [6]