Savings banks and Savings Banks Association form together a group that combines the benefits of local presence and national coverage. Savings banks are independent regional and local banks. The Group comprises also the IT-company Samlink Ltd. Savings banks concentrate on retail banking. Their clientele mainly consists of private customers, agricultural entrepreneurs and SMEs. Their key business areas are related to daily banking services, saving, investing and lending. The savings banks product and service portfolio covers all basic banking services. The service offering is complemented by the services and products provides by our business partners (the insurance company Pohjola Group and the pension insurance company Ilmarinen).