Prospectuses and Final Terms

This page contains the documentation for S-Bank's base prospectuses and related supplements, as well as final terms documentation categorized by type of debt instrument.

Base Prospectuses

Base Prospectus 24 April 2026

S-Bank Plc Base Prospectus 24 April 2026 (PDF, 1.2 kB )

Base Prospectus 24 March 2025

S-Bank Plc Base Prospectus 24 March 2025 (PDF, 1.2 kB)

S-Bank Plc Supplement 12 December 2025 (PDF, 167 kB)

Base Prospectus 16 February 2024

S-Bank Plc Base Prospectus 16 February 2024 (PDF, 1.1 kB)

S-Bank Plc Supplement 4 April 2024 (PDF, 226 kB)

S-Bank Plc Supplement 20 September 2024 (PDF, 258 kB)

Base Prospectus 21 December 2022

S-Bank Plc Base Prospectus 21 December 2022 (PDF, 1.1 kB)

S-Bank Plc Supplement 28 August 2023 (PDF, 326 kB )

S-Bank Plc Supplement 9 November 2023 (PDF, 232 kB)

Base Prospectus 9 May 2022

S-Bank Plc Base Prospectus 9 May 2022 (PDF, 959 kB)

Base Prospectus 21 December 2020

S-Bank Plc Base Prospectus 21 December 2020 (PDF, 952 kB)

S-Bank Plc Supplement 16 September 2021 (PDF, 235 kB)

Covered Bonds

Final Terms of the Covered Bond Issue 10 April 2024 (PDF, 233 kB)

Final Terms of the Covered Bond Issue 20 September 2023 (PDF, 263 kB)

Senior Bonds

Final Terms of the Senior Non-Preferred Notes December 2025 (PDF, 286 kB)

Final Terms of the Senior Preferred MREL Eligible Notes 25 September 2024 (PDF, 240 kB)

Final Terms of the Senior Preferred MREL Eligible Notes 29 February 2024 (PDF, 238 kB)

Final Terms of the Senior Preferred MREL Eligible Notes 17 November 2023 (PDF, 244 kB)

Final Terms of the Senior Preferred MREL Eligible Notes 6 June 2022 (PDF, 314 kB)

Final Terms of the Senior Preferred MREL Eligible Notes 4 October 2021 (PDF, 418 kB)

Tier 2

Tier 2 materials available only in Finnish.

Debentuuri I 2021

Lainakohtaiset ehdot (PDF, 19 KB)

Joukkovelkakirjaohjelma 2021 (PDF, 36 KB)

Debentuuri I 2020

Lainakohtaiset ehdot (PDF, 29 KB)

Joukkovelkakirjaohjelma 2020 (PDF, 31 KB)

Debentuuri I 2017

Lainakohtaiset ehdot (PDF, 15 KB)

Joukkovelkalainaohjelma 2016 (PDF, 48 KB)

Debentuuri I 2016

Lainakohtaiset ehdot (PDF, 45 KB)

Joukkovelkakirjaohjelma 2016 (PDF, 48 KB)