OP Pohjoi­s-Karj­ala

OP Pohjois-Karjala (Pohjois-Karjalan Osuuspankki) is a local cooperative bank serving the North Karelia region of Finland. It operates as an independent member bank within the OP Financial Group, one of Finland's largest financial services organizations. As a full-service bank, OP Pohjois-Karjala provides retail banking, insurance, and wealth management services to individuals, businesses, and agricultural enterprises throughout most of the North Karelia region.

The bank operates on a cooperative ownership model, meaning its customers are also owner-members who benefit from patronage dividends and influence decision-making. OP Pohjois-Karjala is directly supervised by the European Central Bank (ECB) as part of the OP Financial Group's designation as a Significant Institution under European Banking Supervision.