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OP Corporate Bank plc’s Interim Report 1 January–30 September 2026
- IRSH
- XS2485362094
OP Corporate Bank plc
Interim Report 1 January–30 September 2026
Stock Exchange Release 27 October 2026 at 9.00 am EET
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Operating profit decreased to EUR 388 million (442).
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Total income grew by 2% to EUR 636 million (621). Net interest income grew by 7% to EUR 457 million (427). Investment income fell by 23% to EUR 79 million (103). Net commissions and fees grew by 28% to EUR 66 million (51). Other operating income decreased by 15% to EUR 34 million (41).
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Impairment loss on receivables totalled EUR 19 million. A year ago, impairment loss on receivables reversed came to EUR 39 million. Non-performing exposures accounted for 1.4% (1.4) of total exposures.
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Operating expenses increased by 5% to EUR 229 million (218). The cost/income ratio was 36% (35).
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The loan portfolio grew by 10% to EUR 31.6 billion (28.7) year on year. The deposit portfolio increased by 2% year on year, to EUR 16.3 billion (16.1).
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The Corporate Banking and Capital Markets segment’s operating profit decreased by 21% to EUR 212 million (268). Net interest income decreased by 8% to EUR 219 million (237). Impairment loss on receivables totalled EUR 3 million. A year ago, impairment loss on receivables reversed came to EUR 17 million. Net commissions and fees increased to EUR 17 million (4). Investment income decreased to EUR 74 million (97). Operating expenses increased by 6% to EUR 99 million (93). The cost/income ratio was 31% (27).
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The Asset and Sales Finance Services and Payment Transfers segment’s operating profit decreased by 29% to EUR 108 million (152). Net interest income decreased by 14% to EUR 139 million (161). Impairment loss on receivables totalled EUR 5 million. A year ago, impairment loss on receivables reversed came to EUR 20 million. Net commissions and fees totalled EUR 43 million (43). Operating expenses totalled EUR 83 million (85). The cost/income ratio was 42% (39).
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The Baltics segment’s operating profit decreased by 42% to EUR 17 million (29). Net interest income grew by 9% to EUR 50 million (46). Impairment loss on receivables totalled EUR 11 million. A year ago, impairment loss on receivables reversed came to EUR 2 million. Net commissions and fees totalled EUR 9 million (8). Operating expenses increased by 15% to EUR 32 million (28). The cost/income ratio was 53% (50).
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The Group Functions segment’s operating profit was EUR 51 million (-7). OP Pohjola’s funding position and liquidity remained strong.
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The CET1 ratio was 13.3% (14.1), which exceeds the minimum regulatory requirement by 4.4 percentage points.
