Obligation OP Yrityskassi Oyj 3.086% ( XS0819129395 ) en EUR

OP Yrityskassi Oyj

100 % ⇌

Finlande

XS0819129395 ( en EUR )

3.086% par an ( paiement annuel )

23/08/2027 - Obligation échue

Prospectus brochure de l'obligation OP Yrityspankki Oyj XS0819129395 en EUR 3.086%, échue

OP Yrityspankki Oyj est une banque finlandaise offrant des services financiers aux entreprises, incluant des solutions de financement, de gestion de trésorerie et de marchés de capitaux.

L'obligation XS0819129395 émise par OP Yrityspankki Oyj en Finlande, libellée en EUR, avec un taux d'intérêt de 3,086% et une maturité initiale fixée au 23/08/2027, a été remboursée à 100% à sa date d'échéance, suivant une fréquence de paiement des coupons de 1.

Execution copy
FINAL TERMS
Final Terms dated 17 August 2012
Pohjola Bank plc ("Pohjola Bank" or the "Issuer")
(Incorporated in Finland with limited liability)
Issue of EUR 50,000,000 3.086 per cent. Instruments due 23 August 2027
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 1 June 2012 and the supplemental Base Prospectus dated 1 August 2012 which together constitute a base prospectus for
the purposes of Directive 2003/71/EC (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.
(i)
Issuer:
Pohjola Bank plc
2.
(i)
Series Number:
139
(ii)
Tranche Number:
1
3.
Specified Currency or Currencies:
Euro ("EUR")
4.
Aggregate Nominal Amount of Instruments:
EUR 50,000,000
(i)
Series:
EUR 50,000,000
(ii)
Tranche:
EUR 50,000,000
5.
Issue Price:
100.00 per cent. of the Aggregate Nominal
Amount
6.
(i)
Specified Denominations:
EUR 100,000

Execution copy

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

(ii)
Interest Commencement Date:
Issue Date
8.
Maturity Date:
23 August 2027
9.
Interest Basis:
3.086 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

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

(ii)
Interest Payment Date(s):
21 August 2013, 21 August 2014, 21 August 2015,
21 August 2016, 21 August 2017, 21 August 2018,
21 August 2019, 21 August 2020, 21 August 2021,
21 August 2022, 21 August 2023, 21 August 2024,
21 August 2025, 21 August 2026 and 23 August
2027, adjusted for payment purposes only in
accordance with the Modified Following Business
Day Convention.

(iii)
Fixed Coupon Amount:
EUR 3.086 per Calculation Amount

(iv)
Broken Amount(s):
Not Applicable

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

(vi)
Other terms relating to the method Not Applicable
of calculating interest for Fixed
Rate Instruments:
16. Floating Rate Instrument Provisions
Not Applicable

17. Zero Coupon Instrument Provisions
Not Applicable

Execution copy
18. Index-Linked Interest Instrument
Not Applicable
Provisions

19. Dual Currency Instrument Provisions
Not Applicable

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 Calculation EUR 100,000 per Calculation Amount
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):
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 provisions London, TARGET2
relating to payment dates:
27. Talons for future Coupons or Receipts to be No
attached to Definitive Instruments (and dates
on which such Talons mature):
28. Details relating to Partly Paid Instruments: Not Applicable
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 Instruments: Not Applicable
amount of each instalment, date on which
each payment is to be made:
30. Redenomination, renominalisation and Not Applicable
reconventioning provisions
31. Other final terms:
Not Applicable

Execution copy
DISTRIBUTION
32. (i)
If syndicated, names of Managers
Not Applicable

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

Execution copy
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 Instruments to be issued are expected to be
rated:
Standard & Poor's Credit Market Services Europe
Ltd : AA-
Moody's Investors Services Ltd : Aa3

Moody's Investors Services Ltd. and Standard & Poor's Credit Market Services Europe Ltd. are
established in the EEA and registered under Regulation (EU) No 1060/2009, as amended (the
"CRA Regulation").

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
offer 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

(ii)
Estimated net proceeds:
EUR 50,000,000

(iii)
Estimated total expenses:
Not Applicable

5.
Fixed Rate Instruments only - YIELD 3.086 per cent. per annum
Indication of yield:

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

Execution copy

8.
OPERATIONAL INFORMATION

ISIN Code:
XS0819129395

Common Code:
081912939

CUSIP:
Not Applicable

Any clearing system(s) other than Euroclear Not Applicable
Bank SA/NV and Clearstream Banking
Societe Anonyme and the relevant
identification number(s):

Delivery:
Delivery against payment

Names and addresses of additional Paying Not Applicable
Agent(s) (if any):

New Global Instrument intended to be held Yes
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.