Obbligazione OP Yrityskassi Oyj 3.75% ( XS0752059963 ) in EUR

Emittente OP Yrityskassi Oyj
Prezzo di mercato 100 EUR  ⇌ 
Paese  Finlandia
Codice isin  XS0752059963 ( in EUR )
Tasso d'interesse 3.75% per anno ( pagato 1 volta l'anno)
Scadenza 28/02/2022 - Obbligazione è scaduto



Prospetto opuscolo dell'obbligazione OP Yrityspankki Oyj XS0752059963 in EUR 3.75%, scaduta


Importo minimo /
Importo totale 60 000 000 EUR
Descrizione dettagliata OP Yrityspankki Oyj è una banca finlandese che offre servizi finanziari alle aziende, inclusi prestiti, finanziamenti e gestione del patrimonio.

The Obbligazione issued by OP Yrityskassi Oyj ( Finland ) , in EUR, with the ISIN code XS0752059963, pays a coupon of 3.75% per year.
The coupons are paid 1 time per year and the Obbligazione maturity is 28/02/2022








FINAL TERMS
dated 27 February 2012
Pohjola Bank plc ("Pohjola Bank" or the "Issuer")
(Incorporated in Finland with limited liability)
Issue of EUR 60,000,000 3.75 per cent. Instruments due 1 March 2022 under the
EUR 15,000,000,000 Programme for the Issuance of Debt Instruments
Part A
Contractual Terms

The Prospectus referred to below (as completed by these Final Terms) has been prepared on
the basis that any offer of Instruments in any Member State of the European Economic Area
which has implemented Directive 2003/71/EC (the "Prospectus Directive") (each, a
"Relevant Member State") will be made pursuant to an exemption under the Prospectus
Directive, as implemented in that Relevant Member State, from the requirement to publish a
prospectus for offers of the Instruments. Accordingly any person making or intending to
make an offer in that Relevant Member State of the Instruments may only do so in
circumstances in which no obligation arises for the Issuer or any Dealer to publish a
prospectus pursuant to Article 3 of the Prospectus Directive or supplement a prospectus
pursuant to Article 16 of the Prospectus Directive, in each case, in relation to such offer.
Neither the Issuer nor any Dealer has authorised, nor do they authorise, the making of any
offer of Instruments in any other circumstances. The expression "Prospectus Directive"
means Directive 2003/71/EC (and amendments thereto, including the 2010 PD Amending
Directive, to the extent implemented in the Relevant Member State) and the expression "2010
PD Amending Directive" means Directive 2010/73/EU.
Terms used herein shall be deemed to be defined as such for the purposes of the Conditions
set forth in the Base Prospectus dated 7 November 2011 as supplemented by the
supplemental Base Prospectus dated 20 December 2011 and supplemental Base Prospectus
dated 8 February 2012, which together constitute a base prospectus for the purposes of the
Prospectus Directive. This document constitutes the Final Terms of the Instruments described
herein for the purposes of Article 5.4 of the Prospectus Directive and must be read in
conjunction with such Base Prospectus as so supplemented. Full information on the Issuer
and the offer of the Instruments is only available on the basis of the combination of these
Final Terms and the Base Prospectus as so supplemented. The Base Prospectus and the
supplemental Base Prospectus are available for viewing during normal business hours at the
offices of Deutsche Bank AG, London Branch, Winchester House, 1 Great Winchester Street,
London EC2N 2DB and on Pohjola Bank plc's website (http://www.pohjola.com) and
www.londonstockexchange.com/rns and copies may be obtained from the registered office of
Pohjola Bank plc at Teollisuuskatu lb, FIN-00510 Helsinki, Finland.








1.
Issuer:
Pohjola Bank plc
2.
(i)
Series Number:
131

(ii) Tranche Number:
1
3.
Specified Currency or Currencies:
Euro ("EUR")
4.
Aggregate Nominal Amount of EUR 60,000,000
Instruments:

(i) Series:
EUR 60,000,000

(ii) Tranche:
EUR 60,000,000
5.
Issue Price:
99.90 per cent. of the Aggregate Nominal
Amount
6.
(i) Specified Denominations:
EUR 100,000

(ii) Calculation Amount:
EUR 100,000
7.
(i) Issue Date:
29 February 2012

(ii) Interest Commencement Date: Issue Date
8.
Maturity Date:
1 March 2022
9.
Interest Basis:
3.75 per cent. Fixed Rate
Condition 5A (Interest ­ Fixed Rate)
applies.
(Further particulars specified below)
10.
Redemption/Payment Basis:
Redemption at par
11.
Change of Interest or Redemption/ Not Applicable
Payment Basis:
12.
Put/Call Options:
Not Applicable
13.
Status of the Instruments:
Unsubordinated
14.
Method of distribution:
Non-syndicated

PROVISIONS RELATING TO INTEREST (IF ANY) PAYABLE
15.
Fixed Rate Instrument Provisions Applicable

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(i)
Rate of Interest:
3.75 per cent. per annum payable
annually in arrear

(ii) Interest Payment Date(s):
1 March in each year, commencing on
1 March 2013 up to and including the
Maturity Date, adjusted for payment
purposes only in accordance with the
Modified Following Business Day
Convention.

(iii) Fixed Coupon Amount
EUR 3,750 per Calculation Amount

(iv) Broken Amount(s):
Not Applicable

(v) Day Count Fraction:
Actual/Actual (ICMA)

(vi) Other terms relating to the Not Applicable
method of calculating interest for
Fixed Rate Instruments:
16.
Floating Rate Instrument
Not Applicable
Provisions
17.
Zero Coupon Instrument
Not Applicable
Provisions
18.
Index-Linked Interest Instrument Not Applicable
Provisions
19.
Dual Currency Instrument
Not Applicable
Provisions

PROVISIONS RELATING TO REDEMPTION
20.
Call Option
Not Applicable
21.
Put Option
Not Applicable
22.
Final Redemption Amount
EUR 100,000 per Calculation Amount
23.
Early Redemption Amount


Early Redemption Amount(s) per EUR 100,000 per Calculation Amount
Calculation Amount payable on
redemption for taxation reasons or on
event of default or other early
redemption and/or the method of
calculating the same (if required or if
different from that set out in the
Conditions):

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GENERAL PROVISIONS APPLICABLE TO THE INSTRUMENTS
24.
Form of Instruments:
Bearer Instruments:
Temporary Global Instrument
exchangeable for a Permanent Global
Instrument which is exchangeable for
Definitive Instruments in the limited
circumstances specified in the Permanent
Global Instrument
25.
New Global Instrument:
Yes
26.
Financial Centre(s) or other special London, TARGET2
provisions relating to payment dates:
27.
Talons for future Coupons or No
Receipts to be attached to Definitive
Instruments (and dates on which such
Talons mature):
28.
Details relating to Partly Paid Not Applicable
Instruments: amount of each payment
comprising the Issue Price and date
on which each payment is to be made
and consequences (if any) of failure
to pay, including any right of the
Issuer to forfeit the Instruments and
interest due on late payment:
29.
Details relating to Instalment Not Applicable
Instruments: amount of each
instalment, date on which each
payment is to be made:
30.
Redenomination, renominalisation Not Applicable
and reconventioning provisions
31.
Other final terms:
Not Applicable
DISTRIBUTION
32.
(i) If syndicated, names of Not Applicable
Managers

(ii) Stabilising Manager(s) (if Not Applicable
any):
33.
If non-syndicated, name and address Pohjola Bank plc / Pohjola Markets
Teollisuuskatu 1b

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of Dealer:
FIN-00510 Helsinki
Finland
34.
U.S. Selling Restrictions:
Reg. S Compliance Category 2; TEFRA
D
35.
Additional selling restrictions:
Not Applicable
PURPOSE OF FINAL TERMS
These Final Terms comprise the final terms required for issue and admission to trading on the
regulated market of the London Stock Exchange of the Instruments described herein pursuant
to the EUR 15,000,000,000 Programme for the Issuance of Debt Instruments of Pohjola Bank
plc.
RESPONSIBILITY
Pohjola Bank plc accepts responsibility for the information contained in these Final Terms.

Signed on behalf of the Issuer:

By: ........................................... By: ...........................................

Duly authorised



Duly authorised


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Part B
Other Information
1. LISTING



Admission to trading:
Application is expected to be made by the
Issuer (or on its behalf) for the
Instruments to be admitted to trading on
the regulated market of the London Stock
Exchange on or around the Issue Date.

Estimate of total expenses related to GBP 2,700

admission to trading:
2. RATINGS



Ratings:
The ratings reflect the rating allocated to
Instruments of the type being issued
under the Programme generally:


Standard & Poor's Credit Market Services
Europe Limited: AA-
Moody's Investors Service Ltd: Aa2 (on
review for a possible downgrade)
Fitch Ratings Limited: A+
Standard & Poor's Credit Market Services
Europe Ltd., Moody's Investors Service
Ltd and Fitch Ratings Limited are
established in the EEA and registered
under Regulation (EU) No 1060/2009, as
amended.
A rating is not a recommendation to buy,
hold or sell securities and may be subject
to suspension or withdrawal at any time.
3. INTERESTS OF NATURAL AND LEGAL PERSONS INVOLVED IN THE
ISSUE

Save as discussed in "Subscription and Sale", so far as the Issuer is aware, no
person involved in the offe of the Instruments has an interest material to the offer.
4. REASONS FOR THE OFFER, ESTIMATED NET PROCEEDS AND
TOTAL EXPENSES

(i)
Reasons for the offer:
As set out under "Use of Proceeds" in the
Base Prospectus

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(ii)
Estimated net proceeds:
EUR 59,940,000


(iii) Estimated total expenses:
Not Applicable



5. Fixed Rate Instruments only ­

YIELD

Indication
of
yield:
3.762 per cent. per annum



The yield is calculated at the Issue Date
on the basis of the Issue Price. It is not an
indication of future yield.
6. OPERATIONAL INFORMATION


ISIN Code:
XS0752059963


Common Code:
075205996


Any clearing system(s) other than Not Applicable

Euroclear Bank S.A./N.V. and
Clearstream Banking Societe
Anonyme and the relevant
identification number(s):

Delivery:
Delivery against payment


Names and addresses of additional Not Applicable

Paying Agent(s) (if any):

New Global Instrument intended to Yes

be held in a manner which would
allow Eurosystem eligibility:
Note that the designation "Yes" simply
means that the Instruments are intended
upon issue to be deposited with one of
the ICSDS as common safekeeper and
does not necessarily mean that the
Instruments will be recognised as eligible
collateral for Eurosystem monetary
policy and intra-day credit operations by
the Eurosystem either upon issue or at
any or all times during their life. Such
recognition will depend upon the ECB
being satisfied that Eurosystem eligibility
criteria have been met.


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Document Outline