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Okobank Osuuspank. (09IA)

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Monday 04 October, 1999

Okobank Osuuspank.

Moody's Ratings

OKOBANK OSUUSPANKKIEN KESKUSPANKKI
1 October 1999



                   MOODY'S UPGRADES OKOBANK'S RATINGS

Moody's Investors Service has upgraded the long term rating of OKOBANK
Osuuspankkien Keskuspankki Oyj from A2 to A1.  The financial strength rating was
upgraded from D+ to C.

Moody's said the upgrades reflect the significant improvement in the financial
fundamentals of the OKOBANK Group.  According to Moody's, the Group has been
focusing on enhancing distribution channels and has also developed significant
Internet banking franchise.


                                                                                                                                                                                                       

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