Riskpilot← Back to searchSign inGet full accessSäästöpankkiliitto osk
OKActiveY-tunnus 0117011-6Teollisuuskatu 33Other activities auxiliary to financial services, except insurance and pension funding · NACE 6619Est. 1978— employeeswww.saastopankki.fi
Revenue 2025
EUR 32,1M
-99% vs 2024
EBITDA margin
0.7%
-99% vs 2024
Equity ratio
19.9%
Financial strength
Net profit 2025
EUR 38K
-99% vs 2024
| Revenue | EUR 32,1M | -99% |
| EBITDA | EUR 216K | -99% |
| Net profit | EUR 38K | -99% |
| Total assets | EUR 14,5M | -99% |
| Equity | EUR 2,9M | -99% |
| Employees | — | — |
Legal name
Säästöpankkiliitto osk
Y-tunnus number
0117011-6
Legal form
Osuuskunta
NACE code
6619 · Other activities auxiliary to financial services, except insurance and pension funding
Founded
15. maaliskuuta 1978
Share capital
—
Employees
—
VAT registered
No
Audit selected
No
Last report
2025-12-31
Financial year
January – December
Signatory rights
Hallituksen jäsen ja toimitusjohtaja yhdessä sekä hallituksen jäsenet kaksi yhdessä
Company purpose
Osuuskunnan (jäljempänä keskusyhteisö) tarkoituksena on talletuspankkien yhteenliittymästä annetun lain (jäljempänä yhteenliittymälaki) mukaisena keskusyhteisönä ja Säästöpankkiryhmän muodostaman rahoitus- ja vakuutusryhmittymän johdossa olevana yrityksenä edistää ja tukea tasapuolisesti jäsenluottolaitostensa, muiden Säästöpankkiryhmään kuuluvien yritysten ja yhteisöjen sekä koko Säästöpankkiryhmän kehitystä ja yhteistoimintaa. Keskusyhteisön toimialana on tarjota yhteenliittymään kuuluvien yritysten tarvitsemia palveluja, omistaa osakkeita ja osuuksia yhteenliittymään kuuluvissa yrityksissä ja harjoittaa muuta yhteenliittymän kannalta perusteltua sijoitustoimintaa. Vastaava oikeus keskusyhteisöllä on samaan rahoitus- ja vakuutusryhmittymään kuuluvien yritysten osalta. Keskusyhteisö ei saa harjoittaa merkittävissä määrin muuta liiketoimintaa. Keskusyhteisö voi järjestää palvelunsa myös tytäryhtiöiden tai muiden yritysten avulla. Keskusyhteisön on huolehdittava jäsentensä palvelutarpeista suomen ja ruotsinkielellä samanlaisten perusteiden mukaan. Keskusyhteisö ohjaa Säästöpankkiryhmän keskitettyjä palveluita, kehittää Säästöpankkiryhmän liiketoimintaa, huolehtii Säästöpankkiryhmän strategisesta ohjauksesta ja edunvalvonnasta sekä hoitaa yhteenliittymän keskusyhteisölle ja rahoitus- ja vakuutusryhmittymän johdossa olevalle yritykselle kuuluvat ohjaus- ja valvonta tehtävät. Säästöpankkiryhmällä tarkoitetaan kokonaisuutta, jonka muodostavat 3 §:ssä todettu säästöpankkien yhteenliittymä ja yritykset, joiden äänivallasta yhteenliittymään kuuluvat yhteisöt omistavat yli puolet.
Address
Teollisuuskatu 33
Website
www.saastopankki.fi
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| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | 25 793 | 25 923 | 23 648 | 2 861 820 | 32 100 |
| Staff expenses | −14 802 | −14 179 | −15 604 | −1 738 229 | −19 426 |
| EBITDA | 2 011 | 1 548 | 511 | 22 844 | 216 |
| Depreciation & amort. | −282 | −386 | −154 | −17 442 | −160 |
| EBIT | 1 729 | 1 162 | 357 | 5 402 | 56 |
| Net financials | −20 | −70 | −11 | 1 127 | −5 |
| Profit before tax | 1 709 | 1 095 | 346 | 4 275 | 48 |
| Tax | 148 | 237 | 59 | −0 | 10 |
| Net profit | 1 561 | 857 | 287 | 4 275 | 38 |
| Item | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total assets | 9 419 | 12 490 | 15 696 | 1 362 278 | 14 547 |
| Equity | 1 778 | 2 614 | 2 888 | 285 449 | 2 893 |
| Long-term debt | 25 | 1 942 | 9 | 6 025 | 40 |
| Short-term debt | 7 468 | 7 809 | 12 666 | 1 059 657 | 11 435 |
| Total debt | 7 641 | 9 876 | 12 675 | 1 062 112 | 11 475 |
EBITDA margin
0.7%
This company
15.8%
Market median
-96% vs market
20212025
Equity ratio
19.9%
This company
38.2%
Market median
-48% vs market
20212025
Return on equity
1.3%
This company
18.4%
Market median
-93% vs market
20212025
Net profit margin
0.1%
This company
8.1%
Market median
-99% vs market
20212025
Asset turnover
2.21×
This company
1.12×
Market median
+97% vs market
20212025
Debt / equity
4.03×
This company
0.62×
Market median
-550% vs market
20212025
- Annual report 2025Filed via PRH / YTJ · Period 2025-01-01 – 2025-12-31
- Annual report 2024Filed via PRH / YTJ · Period 2024-01-01 – 2024-12-31
- Annual report 2023Filed via PRH / YTJ · Period 2023-01-01 – 2023-12-31
- Annual report 2022Filed via PRH / YTJ · Period 2022-01-01 – 2022-12-31
- Annual report 2021Filed via PRH / YTJ · Period 2021-01-01 – 2021-12-31
| Name | Role | Member since |
|---|---|---|
| Current (24) | ||
PS Person with significant control | Person with significant control | 2019 |
OK Deputy Member | Deputy Member | 2020 |
PK Person with significant control | Person with significant control | 2025 |
MP Deputy Member | Deputy Member | 2024 |
ME Deputy Chief Executive Officer | Deputy Chief Executive Officer | 2025 |
MP Person with significant control | Person with significant control | 2023 |
TV Person with significant control | Person with significant control | 2018 |
DJ Deputy Member | Deputy Member | 2026 |
KJ Person with significant control | Person with significant control | 2018 |
SM Deputy Member | Deputy Member | 2018 |
HC Deputy Member | Deputy Member | 2026 |
LV Person with significant control | Person with significant control | 2018 |
EJ Deputy Member | Deputy Member | 2018 |
JE Deputy Member | Deputy Member | 2025 |
KP Chief Executive Officer | Chief Executive Officer | 2024 |
KA Deputy Member | Deputy Member | 2021 |
PM Deputy Member | Deputy Member | 2026 |
EJ Deputy Member | Deputy Member | 2026 |
VA Person with significant control | Person with significant control | 2018 |
TT Person with significant control | Person with significant control | 2018 |
TK Person with significant control | Person with significant control | 2018 |
EA Deputy Member | Deputy Member | 2018 |
LJ Deputy Member | Deputy Member | 2026 |
TA Deputy Member | Deputy Member | 2020 |
| Former (33) | ||
KJ Person with significant control | Person with significant control | 2018 – 2023 |
JV Deputy Member | Deputy Member | 2018 – 2022 |
MK | Audit | 2021 – 2023 |
KA Chief Executive Officer | Chief Executive Officer | 2022 – 2024 |
MI Person with significant control | Person with significant control | 2018 – 2019 |
MT Deputy Member | Deputy Member | 2020 – 2022 |
EH Deputy Member | Deputy Member | 2020 – 2021 |
JK Deputy Member | Deputy Member | 2018 – 2021 |
HK Deputy Member | Deputy Member | 2020 – 2020 |
EJ Deputy Member | Deputy Member | 2018 – 2020 |
DJ Deputy Member | Deputy Member | 2021 – 2023 |
TK Deputy Member | Deputy Member | 2018 – 2019 |
AS Deputy Chief Executive Officer | Deputy Chief Executive Officer | 2017 – 2021 |
TP Person with significant control | Person with significant control | 2019 – 2019 |
EJ Deputy Member | Deputy Member | 2018 – 2024 |
EE Deputy Member | Deputy Member | 2025 – 2026 |
ES Person with significant control | Person with significant control | 2021 – 2025 |
RA Deputy Member | Deputy Member | 2018 – 2023 |
KE Deputy Member | Deputy Member | 2019 – 2024 |
TT Chief Executive Officer | Chief Executive Officer | 2017 – 2022 |
AK Deputy Member | Deputy Member | 2019 – 2022 |
SA Deputy Member | Deputy Member | 2018 – 2020 |
PI | Audit | 2014 – 2021 |
MJ Deputy Member | Deputy Member | 2018 – 2021 |
LT Deputy Member | Deputy Member | 2018 – 2026 |
HH Deputy Member | Deputy Member | 2023 – 2026 |
SK Deputy Member | Deputy Member | 2019 – 2020 |
KM Deputy Member | Deputy Member | 2018 – 2020 |
PT Deputy Member | Deputy Member | 2018 – 2019 |
HA Deputy Member | Deputy Member | 2018 – 2020 |
JM Deputy Member | Deputy Member | 2023 – 2025 |
KL Person with significant control | Person with significant control | 2018 – 2019 |
MJ Person with significant control | Person with significant control | 2021 – 2022 |
| Name | Role | Member since |
|---|---|---|
| Current (23) | ||
| Board of Directors | 2026 | |
| Board of Directors | 2022 | |
| Chairperson | 2025 | |
| Board of Directors | 2019 | |
| Board of Directors | 2020 | |
| Board of Directors | 2026 | |
| Chairperson | 2024 | |
| Board of Directors | 2020 | |
| Board of Directors | 2020 | |
| Board of Directors | 2026 | |
| Board of Directors | 2020 | |
| Board of Directors | 2024 | |
| Board of Directors | 2021 | |
| Board of Directors | 2024 | |
| Board of Directors | 2024 | |
| Board of Directors | 2018 | |
| Board of Directors | 2026 | |
| Board of Directors | 2020 | |
| Board of Directors | 2025 | |
| Board of Directors | 2026 | |
| Board of Directors | 2026 | |
| Board of Directors | 2026 | |
| Board of Directors | 2024 | |
| Former (37) | ||
| Board of Directors | 2024 – 2026 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2019 – 2021 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2022 – 2023 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2018 – 2019 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2020 – 2022 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2018 – 2019 | |
| Board of Directors | 2018 – 2024 | |
| Board of Directors | 2018 – 2022 | |
| Board of Directors | 2022 – 2022 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2018 – 2019 | |
| Board of Directors | 2018 – 2023 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2019 – 2026 | |
| Board of Directors | 2018 – 2021 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2021 – 2026 | |
| Board of Directors | 2020 – 2021 | |
| Board of Directors | 2018 – 2026 | |
| Board of Directors | 2018 – 2021 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2018 – 2024 | |
| Board of Directors | 2020 – 2022 | |
| Board of Directors | 2018 – 2019 | |
| Board of Directors | 2018 – 2024 | |
| Board of Directors | 2020 – 2022 | |
| Board of Directors | 2018 – 2020 | |
| Board of Directors | 2018 – 2020 | |
| Chairperson | 2018 – 2020 | |
| Board of Directors | 2021 – 2022 | |
| Board of Directors | 2019 – 2024 | |
No shareholder data available.
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No registered parent or subsidiaries
Board members of Säästöpankkiliitto osk also hold positions in 0 other companies.
| Person | Role here | Other companies |
|---|---|---|
| Pekka Santeri Suomalainen | Person with significant control | 0 companies |
| Kari Juhani Suutari | Person with significant control | 0 companies |
| Osmo Kalervo Pieski | Deputy Member | 0 companies |
| Pia Kaarina Varila | Person with significant control | 0 companies |
| Jussi Veli Aarnio | Deputy Member | 0 companies |
| Mikko Kasperi Kylliäinen | Audit | 0 companies |
| Karri Arne Olavi Alameri | Chief Executive Officer | 0 companies |
| Mirja-Liisa Ilona Berglund | Person with significant control | 0 companies |
| Mikko Pekka Paajanen | Deputy Member | 0 companies |
| Martti Ervo Olavi Hakala | Deputy Chief Executive Officer | 0 companies |
| Manu Petteri Kauppila | Person with significant control | 0 companies |
| Tuomas Ville Mikael Angervo | Person with significant control | 0 companies |
| Dan Johan Erik Liljedal | Deputy Member | 0 companies |
| Markku Tapio Ylinen | Deputy Member | 0 companies |
| Eero Heikki Tapio Kauhanen | Deputy Member | 0 companies |
| Jussi Kalervo Karinen | Deputy Member | 0 companies |
| Kirsi Johanna Lauslahti | Person with significant control | 0 companies |
| Sirpa Maria Pietikäinen | Deputy Member | 0 companies |
| Hannu Kalevi Ala-Kapee | Deputy Member | 0 companies |
| Henrik Christian Tallskog | Deputy Member | 0 companies |
| Laine Viola Spellman | Person with significant control | 0 companies |
| Eero Juhani Halonen | Deputy Member | 0 companies |
| David Johan Lindström | Deputy Member | 0 companies |
| Tuire Kristiina Impola | Deputy Member | 0 companies |
| Erkki Juhani Laide | Deputy Member | 0 companies |
| Anita Susanne Aalto | Deputy Chief Executive Officer | 0 companies |
| Tero Pekka Niemi | Person with significant control | 0 companies |
| Johanna Elviira Raiskio | Deputy Member | 0 companies |
| Esa Juhani Pajulo | Deputy Member | 0 companies |
| Esa Edvard Ryhtä | Deputy Member | 0 companies |
| Erkki Sakari Tommila | Person with significant control | 0 companies |
| Ragnhild Anita Sundman | Deputy Member | 0 companies |
| Kai Petri Koskela | Chief Executive Officer | 0 companies |
| Kerstin Elisabet Westerlund | Deputy Member | 0 companies |
| Tomi Tapani Närhinen | Chief Executive Officer | 0 companies |
| Kirsi Anneli Hedman | Deputy Member | 0 companies |
| Auli Katriina Hänninen | Deputy Member | 0 companies |
| Seppo Ahti Antero Puhakka | Deputy Member | 0 companies |
| Petri Ilmari Juhani Kettunen | Audit | 0 companies |
| Pia Monica Maria Skoglund | Deputy Member | 0 companies |
| Ewa Jeanette Bäckström | Deputy Member | 0 companies |
| Markku Juhani Karnaattu | Deputy Member | 0 companies |
| Lars Torbjörn Nygård | Deputy Member | 0 companies |
| Heli Huhtala | Deputy Member | 0 companies |
| Ville Antero Mikkola | Person with significant control | 0 companies |
| Tero Tapani Kangas | Person with significant control | 0 companies |
| Sampo Kalervo Eilu | Deputy Member | 0 companies |
| Katri Marjatta Ylitalo | Deputy Member | 0 companies |
| Tiia Karoliina Niemi | Person with significant control | 0 companies |
| Pekka Tapio Siltala | Deputy Member | 0 companies |
| Eija Annele Arvaja | Deputy Member | 0 companies |
| Harri Antero Lumme | Deputy Member | 0 companies |
| Lauri Jaakko Kivistö | Deputy Member | 0 companies |
| Taneli Albinus Ruohola | Deputy Member | 0 companies |
| Jan Mikael Ekman | Deputy Member | 0 companies |
| Kaija Leena Jokiharju | Person with significant control | 0 companies |
| Markus Juhani Lauri | Person with significant control | 0 companies |
| Veli-Pekka Mattila | Board of Directors | 0 companies |
| Pirkko Anneli Ahonen | Board of Directors | 0 companies |
| Simo Santeri Leisti | Board of Directors | 0 companies |
| Timo Mikael Saraketo | Chairperson | 0 companies |
| Toivo Mikael Alarautalahti | Board of Directors | 0 companies |
| Veli Markku Edvard Nieminen | Board of Directors | 0 companies |
| Matti Jaakko Säteri | Board of Directors | 0 companies |
| Pauli Juhani Aalto-Setälä | Board of Directors | 0 companies |
| Jaakko Antero Ossa | Board of Directors | 0 companies |
| Päivi Susanna Nuutila | Board of Directors | 0 companies |
| Esko Antero Savolainen | Board of Directors | 0 companies |
| Kent Tomas Lindfors | Board of Directors | 0 companies |
| Jan Ari Ilari Korhonen | Board of Directors | 0 companies |
| Juha Erkki Rafael Viljamaa | Board of Directors | 0 companies |
| Robin Anders Lindahl | Chairperson | 0 companies |
| Valtteri Heikinpoika Simola | Board of Directors | 0 companies |
| Katarina Sofia Aurora Cantell | Board of Directors | 0 companies |
| Kai Valdemar Saarinen | Board of Directors | 0 companies |
| Heikki Tuomas Paasonen | Board of Directors | 0 companies |
| Risto Tapani Salomaa | Board of Directors | 0 companies |
| Kennet Davy Bernhard Kronman | Board of Directors | 0 companies |
| Henry Mikael Bergman | Board of Directors | 0 companies |
| Tuula Maria Heikkinen | Board of Directors | 0 companies |
| Stina Monika Mangs | Board of Directors | 0 companies |
| Jari Kauko Johannes Naarmala | Board of Directors | 0 companies |
| Jouni Antero Niuro | Board of Directors | 0 companies |
| Teppo Juhani Mikkola | Board of Directors | 0 companies |
| Juri Niko Samuli Mattila | Board of Directors | 0 companies |
| Jussi Ilmari Hakala | Board of Directors | 0 companies |
| Heimo Pauli Kurunmäki | Board of Directors | 0 companies |
| Petri Johan Siviranta | Board of Directors | 0 companies |
| Sanna Mari Ahonen | Board of Directors | 0 companies |
| Ilpo Olavi Lukkarinen | Board of Directors | 0 companies |
| Jan Peter Storsjö | Board of Directors | 0 companies |
| Jarmo Juhani Olkkonen | Board of Directors | 0 companies |
| Heikki Tapani Peltola | Board of Directors | 0 companies |
| Hannu Toivo Rikhard Syvänen | Board of Directors | 0 companies |
| Ari Jukka Jutila | Board of Directors | 0 companies |
| Björn Ove West | Board of Directors | 0 companies |
| Timo Matti Virtanen | Board of Directors | 0 companies |
| Jorma Matias Lammi | Board of Directors | 0 companies |
| Jaana Kyllikki Kulmala | Board of Directors | 0 companies |
| Markku Juhani Tyynismaa | Board of Directors | 0 companies |
| Ulf Sigvard Sjöblom | Board of Directors | 0 companies |
| Heini Mariaana Piitulainen | Board of Directors | 0 companies |
| Esa Mikael Kankaanpää | Board of Directors | 0 companies |
| Jan Peter Finne | Board of Directors | 0 companies |
| Eero Juhani Laesterä | Board of Directors | 0 companies |
| Arto Vilhelm Seppänen | Board of Directors | 0 companies |
| Maria Eliisa Kavén | Board of Directors | 0 companies |
| Marja-Leena Tuomola | Board of Directors | 0 companies |
| Kaisa Pauliina Vasama-Kakko | Board of Directors | 0 companies |
| Tommi Niklas Kristian Lindström | Board of Directors | 0 companies |
| Johan Kristian Mild | Board of Directors | 0 companies |
| Margit Annamari Malm | Board of Directors | 0 companies |
| Lauri Juhani Kalpala | Board of Directors | 0 companies |
| Mika Olavi Lindqvist | Board of Directors | 0 companies |
| Kalevi Martti Hilli | Chairperson | 0 companies |
| Jari Olavi Sainio | Board of Directors | 0 companies |
| Jari Jukka Oivo | Board of Directors | 0 companies |