Our operations

Owned by municipalities, Keva and the Finnish state, Municipality Finance is a credit institution that is in a unique position to understand the special needs of the municipal sector. We strive to be the most sought-after and dynamic cooperation partner in matters of municipal financing.

Municipality Finance provides local governments with attractively priced and diverse financial services. We invest in work with our customers and actively develop solutions and services for them.

We aim to operate efficiently and grow profitably. We meet the capital requirements set for credit institutions primarily through funds generated by our operations. The professional competence of our staff and the effective functioning of information systems are key priorities for us.

Municipality Finance offers financial services on market terms for municipalities, municipal federations, municipally controlled organisations and non-profit housing organisations. The company's funding, which is guaranteed by the Municipal Guarantee Board, is obtained from both international capital markets and domestic investors.

The credit ratings for Municipality Finance's long-term funding are the highest possible: Aaa from Moody's, and AAA from Standard & Poor's.

A significant portion of lending by Municipality Finance is used for various socially important investments. These include e.g. municipal building and development projects aimed at increasing welfare services and improving the quality of life. Funding is used for schools, day care centres, elder care homes and institutions, hospitals, health care centres and housing.