STATEMENT CONCERNING THE FINANCIAL STATEMENTS

We have adopted the Report by the Executive Board of the amalgamation of cooperative banks (OP Financial Group) and the consolidated financial statements for financial year 1 January–31 December 2014, as referred to in the Act on Cooperative Banks and Other Cooperative Institutions and the Act on the Amalgamation of Deposit Banks. The Report by the Executive Board and the financial statements will be presented and distributed to the Annual Cooperative Meeting of the central cooperative.

Helsinki, 10 February 2015

Executive Board of OP Cooperative

Reijo Karhinen           Tony Vepsäläinen

Carina Geber-Teir      Jari Himanen

Olli Lehtilä                 Harri Luhtala

Harri Nummela          Erik Palmén

Jouko Pölönen           Teija Sarajärvi