Financial materials for the Savings Banks Group
The Savings Banks Group, Central Bank of Savings Banks Finland Plc and the Sp Mortgage Bank Plc publish annually the financial statements and an annual report as well as a semiannual report.
Financial reporting process and calendar
The cooperative’s accounting period is the calendar year. Every year, the Savings Banks Group publishes one semiannual report and an annual report and financial statements covering the whole year in Finnish, Swedish and English.
| 2014 | |
| Central Bank of Savings Banks Finland Plc’s Auditor’s Report 2014 | 27.02.2015 |
| Central Bank of Saving Banks Finland Plc's board of Directors’ Report 2014 | 27.02.2015 |
| 2022 | |
| Sp Mortgage Sp Bank Plc’s Board of Directors Report and IFRS Financial Statements 2022 |
16.02.2023 |
| Sp Mortgage Bank Plc's Half-year Report 1 January - 30 June 2022 | 11.08.2022 |
| 2021 | |
| Sp Mortgage Sp Bank Plc’s Board of Directors Report and IFRS Financial Statements 2021 | 16.02.2022 |
| Sp Mortgage Bank Plc's Half-year Report 1 January - 30 June 2021 | 13.08.2021 |
| 2020 | |
| Sp Mortgage Sp Bank Plc’s Board of Directors Report and IFRS Financial Statements 2020 | 16.02.2021 |
| Sp Mortgage Bank Plc's Half-year Report 1 January - 30 June 2020 | 14.08.2020 |
| 2019 | |
| Sp Mortgage Sp Bank Plc’s Board of Directors Report and IFRS Financial Statements 2019 | 14.02.2020 |
| Sp Mortgage Bank Plc's Half-year Report 1 January - 30 June 2019 | 15.08.2019 |
| 2018 | |
| Sp Mortgage Sp Bank Plc’s Board of Directors Report and IFRS Financial Statements 2018 | 15.02.2019 |
| Sp Mortgage Bank Plc's Half-year Report 1 January - 30 June 2018 | 15.08.2018 |
| 2017 | |
| Sp Mortgage Sp Bank Plc’s Board of Directors Report and IFRS Financial Statements 2017 | 15.02.2018 |
| Sp Mortgage Bank Plc's Half-year Report 1 January - 30 June 2017 | 14.082017 |
| 2016 | |
| Sp Mortgage Bank Plc's Board of Directors' Report and IFRS Financial Statements 2016 | 17.02.2017 |
| Sp Mortgage Bank Plc's Half- year Report 1 January-30 June 2016 | 15.08.2016 |
The Savings Banks Group publishes the financial materials in Finnish, Swedish and English. The Central Bank of Savings Banks Finland Plc and the Sp Mortgage Bank Plc publish the financial materials in Finnish and Swedish.
The Savings Banks’ Union Coop steers the operations of the Savings Banks Group and is the central institution responsible for the internal control framework. According to the Amalgamation Act, The Savings Banks Amalgamation’s Central Institution the Savings Banks' Union Coop is obligated to prepare consolidated financial statements for the Savings Banks Group. The Savings Banks' Union Coop’s Board of Directors is responsible for preparing the financial statements. The financial statements are prepared for the financial group formed by the Savings Banks Group. The accounting period is the calendar year.
Savings Banks' Union Coop’s registered office is in Helsinki and its registered address is Teollisuuskatu 33, 00510 Helsinki. Copies of the Savings Banks Group’s financial reports are available below or in the Savings Banks' Union Coop’s office at Teollisuuskatu 33, 00510 Helsinki.
The Savings Banks Group’s financial statements have been prepared in accordance with the International Financial Reporting Standards (IFRS) as adopted by the EU. In accordance with the principles of the Act on the Amalgamation of Deposit Banks and the IAS 8 standard concerning accounting policies, adjustments and errors in accounting estimates, the Board of the Savings Banks’ Union Coop confirms any accounting policy for which no guidance is available in the IFRSs. The basis of preparation of the Savings Banks Group financial statements are published as part of the financial statements.