Siemens Financial Services AB, Finnish filial

Siemens Financial Services AB, Finnish filial is the Finland branch of Siemens Financial Services AB (publ), a Swedish credit market company within the Siemens AG group. Operating under EU passporting, its home supervisor is Finansinspektionen in Sweden with host-country oversight by Finanssivalvonta in Finland, and it is registered as a foreign branch in the Finnish Trade Register. The branch focuses on asset-based finance for corporates and the public sector, including equipment finance, finance and operating leases, hire purchase, term loans linked to industrial and technology assets, vendor finance programs for Siemens and selected third-party manufacturers, and project-related financing in sectors such as energy, healthcare, automation, and mobility. It does not take deposits, offer payment accounts, or provide consumer banking, and its products are not covered by the Finnish Deposit Guarantee Scheme. Funding is sourced at the parent-company and broader Siemens Financial Services level, with local origination and servicing; collateral typically consists of the financed equipment, with additional guarantees or security where applicable. Pricing commonly references EURIBOR with margins based on asset type, tenor, residual value, and counterparty risk, and agreements follow Finnish law for local documentation, security registration, insurance, and tax/VAT treatment. The branch engages clients via relationship managers and digital channels, operates without retail branches, and conducts KYC/AML in line with EU and Finnish requirements. Siemens Financial Services AB, Finnish filial is distinct from Siemens Bank GmbH, which is a separate group entity. Public disclosures on governance, capital, and risk are issued by Siemens Financial Services AB (publ) and, at group level, by Siemens AG, with branch-level reporting provided to the extent required by Finnish host regulation.