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href="/mopo/coll/assets/html/index.fi.html">Jälkimarkkinakelpoisten vakuuksien luettelo</a><a href="#" class="subpages" title="toggle subpages for Jälkimarkkinakelpoisten vakuuksien luettelo"></a><ul><li class="clearfix"><a href="/mopo/coll/assets/guide/html/index.fi.html">Käyttöopas</a></li></ul></li><li class="has-subpages"><a href="/mopo/coll/coll/html/index.fi.html">Vakuuksien käyttöönotto</a><a href="#" class="subpages" title="toggle subpages for Vakuuksien käyttöönotto"></a><ul><li class="clearfix"><a href="/mopo/coll/coll/ccbm/html/index.fi.html">Kirjeenvaihtajakeskuspankkimalli</a></li><li class="clearfix"><a href="/mopo/coll/coll/eligiblesss/html/index.fi.html">Hyväksytyt arvopaperikaupan selvitysjärjestelmät</a></li><li class="clearfix"><a href="/mopo/coll/coll/ssslinks/html/index.fi.html">Arvopaperikaupan selvitysjärjestelmien väliset linkit</a></li><li class="clearfix"><a href="/mopo/coll/coll/triparty/html/index.fi.html">Ulkopuoliset vakuushallintapalvelujen tarjoajat</a></li></ul></li><li class="has-subpages"><a href="/mopo/coll/risk/html/index.fi.html">Riskien vähentäminen</a><a href="#" class="subpages" title="toggle subpages for Riskien vähentäminen"></a><ul><li class="clearfix"><a href="/mopo/coll/risk/ecaf/html/index.fi.html">Eurojärjestelmän luottoriskinarviointi</a></li><li class="clearfix"><a href="/mopo/coll/risk/riskcontrol/html/index.fi.html">Riskien valvonta</a></li><li class="clearfix"><a href="/mopo/coll/risk/liquidity/html/index.fi.html">Aliarvostusluokat</a></li><li class="clearfix"><a href="/mopo/coll/risk/valuation/html/index.fi.html">Vakuuksien arvostaminen</a></li></ul></li><li class="has-subpages"><a href="/mopo/coll/loanlevel/html/index.fi.html">Lainakohtaiset tiedot</a><a href="#" class="subpages" title="toggle subpages for Lainakohtaiset tiedot"></a><ul><li class="clearfix"><a href="/mopo/coll/loanlevel/transmission/html/index.fi.html">Lomakkeet</a></li><li class="clearfix"><a href="/mopo/coll/loanlevel/implementation/html/index.fi.html">Vakuuskelpoisuus</a></li><li class="clearfix"><a href="/mopo/coll/loanlevel/faq/html/index.fi.html">Kysymyksiä ja vastauksia</a></li></ul></li><li class="clearfix"><a href="/mopo/coll/contacts/html/index.fi.html">Yhteystiedot</a></li></ul></li><li class="has-subpages"><a href="/mopo/eaec/html/index.fi.html">Euroalueen talouden rakenne</a><a href="#" class="subpages" title="toggle subpages for Euroalueen talouden rakenne"></a><ul><li class="clearfix"><a href="/mopo/eaec/ecopolicy/html/index.fi.html">Talouspolitiikka</a></li><li class="clearfix"><a href="/mopo/eaec/fiscal/html/index.fi.html">Finanssipolitiikka</a></li><li class="clearfix"><a href="/mopo/eaec/trade/html/index.fi.html">Kauppapolitiikka</a></li><li class="clearfix"><a href="/mopo/eaec/eer/html/index.fi.html">Efektiiviset valuuttakurssit</a></li><li class="clearfix"><a href="/mopo/eaec/structure/html/index.fi.html">Rahoitusjärjestelmän rakenne</a></li><li class="clearfix"><a href="/mopo/eaec/markets/html/index.fi.html">Rahoitusmarkkinat</a></li><li class="clearfix"><a href="/mopo/eaec/intermediaries/html/index.fi.html">Rahoituksen välittäjät</a></li><li class="clearfix"><a href="/mopo/eaec/diversity/html/index.fi.html">Talouden monimuotoisuus</a></li><li class="clearfix"><a href="/mopo/eaec/labour/html/index.fi.html">Työmarkkinat</a></li></ul></li><li class="has-subpages"><a href="/mopo/market-contact-groups/html/index.fi.html">Markkinoiden kontaktiryhmät</a><a href="#" class="subpages" title="toggle subpages for Markkinoiden kontaktiryhmät"></a><ul><li class="clearfix"><a href="/mopo/market-contact-groups/bmcg/html/index.fi.html">Joukkolainamarkkinoiden kontaktiryhmä</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/mmcg/html/index.fi.html">Rahamarkkinoiden kontaktiryhmä</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/dimcg/html/index.fi.html">Velkapaperimarkkinoiden kontaktiryhmä</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/omg/html/index.fi.html">EKP:n ja operatiivisten johtajien yhteistyöryhmä</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/fxcg/html/index.fi.html">Valuutta-asioiden yhteistyöryhmä</a></li><li class="clearfix"><a href="/mopo/market-contact-groups/iid/html/index.fi.html">Vuoropuhelu institutionaalisten sijoittajien kanssa</a></li></ul></li></ul></div></li><li class="has-subpages" aria-expanded="false"><a href="/paym/html/index.fi.html">Maksaminen & rahoitusvakaus</a><a href="#" class="subpages" title="toggle subpages for Maksaminen & rahoitusvakaus"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Maksaminen ja rahoitusvakaus</div> <p>Rahoitusvakauteen sekä maksamisen ja markkinoiden infrastruktuureihin liittyvä työ</p><a href="/paym/html/index.en.html">Yleistä</a><hr> <div class="nav-title">Pikalinkit</div> <ul> <li><a href="/euro/digital_euro/html/index.en.html">Digitaalinen euro</a></li> <li><a href="/press/intro/html/index.en.html">Ajankohtaista maksamisesta</a></li> <li><a href="/paym/target/target-professional-use-documents-links/html/index.en.html">TARGET – asiakirjoja ja linkkejä ammattilaisille</a></li> </ul> </div><a href="/pub/financial-stability/fsr/html/index.en.html" class="item image"> <img src="/paym/financial-stability/html/index/fsr_1000x750.jpg" width="357" height="179" loading="lazy" style="object-fit:cover"><div class="image-caption">Tuorein Financial Stability Review</div> <div class="image-date">16.5.2024</div></a></div></div><ul><li class="clearfix"><span>Maksaminen</span></li><li class="has-subpages"><a href="/paym/target/html/index.fi.html">TARGET-palvelut</a><a href="#" class="subpages" title="toggle subpages for TARGET-palvelut"></a><ul><li class="clearfix"><a href="/paym/target/coco/html/index.fi.html">Tietoa palveluista</a></li><li class="has-subpages"><a href="/paym/target/t2/html/index.fi.html">T2</a><a href="#" class="subpages" title="toggle subpages for T2"></a><ul><li class="clearfix"><a href="/paym/target/t2/facts/html/index.fi.html">Facts and figures</a></li><li class="clearfix"><a href="/paym/target/t2/governance/html/index.fi.html">Hallintojärjestelyt</a></li></ul></li><li class="has-subpages"><a href="/paym/target/t2s/html/index.fi.html">T2S</a><a href="#" class="subpages" title="toggle subpages for T2S"></a><ul><li class="clearfix"><a href="/paym/target/t2s/governance/html/index.fi.html">Hallintojärjestelyt</a></li><li class="clearfix"><a href="/paym/target/t2s/facts/html/index.fi.html">Keskeisiä tietoja</a></li><li class="clearfix"><a href="/paym/target/t2s/pricing/html/index.fi.html">Hinnoittelu</a></li></ul></li><li class="has-subpages"><a href="/paym/target/tips/html/index.fi.html">TARGET-pikamaksupalvelu (TIPS)</a><a href="#" class="subpages" title="toggle subpages for TARGET-pikamaksupalvelu (TIPS)"></a><ul><li class="clearfix"><a href="/paym/target/tips/crossborder/html/index.fi.html">Cross-border payments</a></li><li class="clearfix"><a href="/paym/target/tips/governance/html/index.fi.html">Hallintojärjestelyt</a></li><li class="clearfix"><a href="/paym/target/tips/facts/html/index.fi.html">Keskeisiä tietoja</a></li><li class="clearfix"><a href="/paym/target/tips/onboarding/html/index.fi.html">Ohjeistus (Onboarding)</a></li></ul></li><li class="clearfix"><a href="/paym/target/ecms/html/index.fi.html">Eurojärjestelmän vakuushallintajärjestelmä</a></li><li class="has-subpages"><a href="/paym/target/target-professional-use-documents-links/html/index.fi.html">TARGET: dokumentteja ja linkkejä ammattilaisille</a><a href="#" class="subpages" title="toggle subpages for TARGET: dokumentteja ja linkkejä ammattilaisille"></a><ul><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/coco/html/index.fi.html">Yleistä</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/t2/html/index.fi.html">T2: dokumentit ja linkit</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/t2s/html/index.fi.html">T2S: dokumentit ja linkit</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/tips/html/index.fi.html">TIPS: dokumentit ja linkit</a></li><li class="clearfix"><a href="/paym/target/target-professional-use-documents-links/ecms/html/index.fi.html">Vakuushallintajärjestelmä: dokumentit ja linkit</a></li></ul></li></ul></li><li class="has-subpages"><a href="/paym/integration/html/index.fi.html">Markkinoiden yhdentyminen ja innovaatiot</a><a href="#" class="subpages" title="toggle subpages for Markkinoiden yhdentyminen ja innovaatiot"></a><ul><li class="has-subpages"><a href="/paym/integration/distributed/html/index.fi.html">Hajautetun tilikirjan teknologia</a><a href="#" class="subpages" title="toggle subpages for Hajautetun tilikirjan teknologia"></a><ul><li class="clearfix"><a href="/paym/integration/distributed/exploratory/html/index.fi.html">Tutkimustyö</a></li></ul></li><li class="has-subpages"><a href="/paym/integration/retail/html/index.fi.html">Vähittäismaksut</a><a href="#" class="subpages" title="toggle subpages for Vähittäismaksut"></a><ul><li class="clearfix"><a href="/paym/integration/retail/retail_payments_strategy/html/index.fi.html">Vähittäismaksustrategia</a></li><li class="clearfix"><a href="/paym/integration/retail/ecb/html/index.fi.html">EKP kehityksen moottorina</a></li><li class="clearfix"><a href="/paym/integration/retail/sepa/html/index.fi.html">Yhteinen euromaksualue (SEPA)</a></li><li class="clearfix"><a href="/paym/integration/retail/instant_payments/html/index.fi.html">Pikamaksut</a></li></ul></li><li class="has-subpages"><a href="/paym/integration/collateral/html/index.fi.html">Vakuushallinnan yhdenmukaistaminen</a><a href="#" class="subpages" title="toggle subpages for Vakuushallinnan yhdenmukaistaminen"></a><ul><li class="clearfix"><a href="/paym/integration/collateral/implementation/html/index.fi.html">Toimeenpano</a></li><li class="clearfix"><a href="/paym/integration/collateral/faq/html/index.fi.html">Usein kysyttyä</a></li></ul></li></ul></li><li class="has-subpages"><a href="/paym/cyber-resilience/html/index.fi.html">Kyberkestävyys</a><a href="#" class="subpages" title="toggle subpages for Kyberkestävyys"></a><ul><li class="clearfix"><a href="/paym/cyber-resilience/fmi/html/index.fi.html">Rahoitusmarkkinoiden infrastruktuurit</a></li><li class="clearfix"><a href="/paym/cyber-resilience/tiber-eu/html/index.fi.html">TIBER-EU-testijärjestelmä</a></li></ul></li><li class="has-subpages"><a href="/paym/pol/html/index.fi.html">Yleisvalvonta</a><a href="#" class="subpages" title="toggle subpages for Yleisvalvonta"></a><ul><li class="clearfix"><a href="/paym/pol/systems/html/index.fi.html">Maksujärjestelmät</a></li><li class="clearfix"><a href="/paym/pol/target2-securities/html/index.fi.html">TARGET2-Securities</a></li><li class="clearfix"><a href="/paym/pol/instr/html/index.fi.html">Sähköinen maksaminen</a></li><li class="clearfix"><a href="/paym/pol/clearing/html/index.fi.html">Arvopaperikaupan selvitysjärjestelmät ja keskusvastapuolet</a></li><li class="clearfix"><a href="/paym/pol/critical/html/index.fi.html">Keskeisten palvelujen tarjoajat</a></li><li class="clearfix"><a href="/paym/pol/correspondent-and-custodian-banks/html/index.fi.html">Kirjeenvaihtaja- ja säilyttäjäpankit</a></li><li class="clearfix"><a href="/paym/pol/forum/html/index.fi.html">Vähittäismaksujen turvallisuusfoorumi SecuRe Pay</a></li></ul></li><li class="has-subpages"><a href="/paym/erms/html/index.fi.html">Eurojärjestelmän varannonhoitopalvelut</a><a href="#" class="subpages" title="toggle subpages for Eurojärjestelmän varannonhoitopalvelut"></a><ul><li class="clearfix"><a href="/paym/erms/aspects/html/index.fi.html">Keskeiset näkökohdat</a></li><li class="clearfix"><a href="/paym/erms/service/html/index.fi.html">Palvelutarjonta</a></li></ul></li><li class="has-subpages"><a href="/paym/cashprof/html/index.fi.html">Rahankäsittelijät</a><a href="#" class="subpages" title="toggle subpages for Rahankäsittelijät"></a><ul><li class="has-subpages"><a href="/paym/cashprof/cashhand/html/index.fi.html">Rahankäsittely</a><a href="#" class="subpages" title="toggle subpages for Rahankäsittely"></a><ul><li class="clearfix"><a href="/paym/cashprof/cashhand/devices/html/index.fi.html">Aitouden tarkastuslaitteet</a></li><li class="clearfix"><a href="/paym/cashprof/cashhand/recycling/html/index.fi.html">Setelien palauttaminen kiertoon</a></li></ul></li><li class="clearfix"><a href="/paym/cashprof/cdispec/html/index.fi.html">Yhteinen rajapinta (Common Detector Interface, CDI)</a></li><li class="clearfix"><a href="/paym/cashprof/accreditation/html/index.fi.html">Seteliaineiston valmistajien akkreditointi</a></li></ul></li><li class="has-subpages"><a href="/paym/groups/html/index.fi.html">Maksualan kontaktiryhmät</a><a href="#" class="subpages" title="toggle subpages for Maksualan kontaktiryhmät"></a><ul><li class="clearfix"><a href="/paym/groups/ami/html/index.fi.html">Markkinainfrastruktuurien neuvontaryhmät</a></li><li class="clearfix"><a href="/paym/groups/euro-cyber-board/html/index.fi.html">Kyberkestävyyttä käsittelevä lautakunta</a></li><li class="clearfix"><a href="/paym/groups/erpb/html/index.fi.html">Euromaksualueen vähittäismaksuneuvosto</a></li><li class="clearfix"><a href="/paym/groups/efip/html/index.fi.html">Maksualan innovaatiofoorumi</a></li></ul></li><li class="clearfix"><span>Rahoitusvakaus</span></li><li class="clearfix"><a href="/paym/financial-stability/html/index.fi.html">Johdanto</a></li><li class="clearfix"><a href="/paym/macroprudential-measures/html/index.fi.html">Makrovakaustoimet</a></li><li class="clearfix"><a href="/paym/financial_stability_contact_groups/html/index.fi.html">Rahoitusvakauden kontaktiryhmät</a></li></ul></div></li><li class="has-subpages" aria-expanded="false"><a href="/stats/html/index.fi.html">Tilastot</a><a href="#" class="subpages" title="toggle subpages for Tilastot"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Tilastot</div> <p>Tutustu EKP:n tilastoihin ja niiden taustatietoihin</p><a href="/stats/html/index.en.html">Yleistä</a><hr> <div class="nav-title">Pikalinkit</div> <ul> <li><a href="https://data.ecb.europa.eu/main-figures">Tärkeimmät tilastoluvut</a></li> <li><a href="https://data.ecb.europa.eu/">EKP:n tietoportaali</a></li> <li><a href="/stats/ecb_statistics/accessing-our-data/html/index.en.html">Kaikki tietopalvelut</a></li> </ul> </div><a href="/press/blog/date/2024/html/ecb.blog20240418~2240ea1850.en.html" class="item image"> <img src="/press/blog/date/2024/html//ecb.blog20240418~2240ea1850/ecb.blog20240418~2240ea1850.jpg" width="357" height="179" loading="lazy" style="object-fit:cover"><div class="image-caption">EKP:n blogi – Tuoreinta tietoa: pankit ja ilmastonmuutos</div> <div class="image-date">18.4.2024</div></a></div></div><ul><li class="clearfix"><span>Katsotuimmat</span></li><li class="clearfix"><a href="/stats/euro-exchange-rates/html/index.fi.html">Euron kurssit</a></li><li class="clearfix"><a href="/stats/key-ecb-interest-rates/html/index.fi.html">EKP:n ohjauskorot</a></li><li class="has-subpages"><a href="/stats/euro-short-term-rates/html/index.fi.html">Euromääräisten markkinoiden lyhyt korko (€STR)</a><a href="#" class="subpages" title="toggle subpages for Euromääräisten markkinoiden lyhyt korko (€STR)"></a><ul><li class="has-subpages"><a href="/stats/euro-short-term-rates/interest_rate_benchmarks/html/index.fi.html">Korkokantojen vertailuarvot</a><a href="#" class="subpages" title="toggle subpages for Korkokantojen vertailuarvot"></a><ul><li class="clearfix"><a href="/stats/euro-short-term-rates/interest_rate_benchmarks/WG_euro_risk-free_rates/html/index.fi.html">Euromääräisten rahamarkkinoiden riskittömiä korkoja käsittelevä työryhmä</a></li></ul></li></ul></li><li class="clearfix"><a href="/stats/inflation/html/index.fi.html">Inflaatio</a></li><li class="clearfix"><a href="/stats/euro-area-yield-curves/html/index.fi.html">Euroalueen tuottokäyrät</a></li><li class="clearfix"><span>Kaikki tilastot ja taustatiedot</span></li><li class="clearfix"><a href="/stats/all-key-statistics/html/index.fi.html">Kaikki keskeiset tilastot</a></li><li class="clearfix"><a href="/stats/accessing-our-data/html/index.fi.html">Kaikki tieto- ja aineistopalvelut</a></li><li class="has-subpages"><a href="/stats/ecb_statistics/html/index.fi.html">Tilastojen raportointi ja standardit</a><a href="#" class="subpages" title="toggle subpages for Tilastojen raportointi ja standardit"></a><ul><li class="clearfix"><a href="/stats/ecb_statistics/governance_and_quality_framework/html/index.fi.html">Tilastojen hallinnointi- ja laatujärjestelmä</a></li><li class="clearfix"><a href="/stats/ecb_statistics/co-operation_and_standards/html/index.fi.html">Yhteistyö ja standardit</a></li><li class="clearfix"><a href="/stats/ecb_statistics/reporting/html/index.fi.html">Pankkien raportointi</a></li><li class="has-subpages"><a href="/stats/ecb_statistics/anacredit/html/index.fi.html">AnaCredit</a><a href="#" class="subpages" title="toggle subpages for AnaCredit"></a><ul><li class="clearfix"><a href="/stats/ecb_statistics/anacredit/questions/html/index.fi.html">Usein kysyttyä</a></li></ul></li><li class="clearfix"><a href="/stats/ecb_statistics/consultations/html/index.fi.html">Julkiset kuulemiset</a></li><li class="clearfix"><a href="/stats/ecb_statistics/dialogue/html/index.fi.html">Pankkialan vuoropuhelu EKPJ:n tilastoista ja yhtenäisestä raportoinnista</a></li><li class="clearfix"><a href="/stats/ecb_statistics/sdmx/html/index.fi.html">SDMX-standardi tilastotietojen vaihdossa</a></li><li class="clearfix"><a href="/stats/ecb_statistics/inexda/html/index.fi.html">Yksityiskohtaisen datan INEXDA-verkosto</a></li></ul></li></ul></div></li><li class="has-subpages" aria-expanded="false"><a href="/euro/html/index.fi.html">Euro</a><a href="#" class="subpages" title="toggle subpages for Euro"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"><div class="item"> <div class="title">Euro</div> <p>Kaikki mitä haluat tietää euroalueen yhteisestä rahasta</p><a href="/euro/html/index.en.html">Yleistä</a><hr> <div class="nav-title">Pikalinkit</div> <ul> <li><a href="/paym/cashprof/html/index.en.html">Ammattimaiset rahankäsittelijät</a></li> <li><a href="/stats/policy_and_exchange_rates/banknotes+coins/html/index.en.html">Setelit ja kolikot tilastoina</a></li> <li><a href="/stats/policy_and_exchange_rates/euro_reference_exchange_rates/html/index.en.html">Euron vaihtokurssit</a></li> </ul> </div><a href="/stats/ecb_surveys/space/html/ecb.space2024~19d46f0f17.en.html" class="item image"> <img src="/euro/shared/img/cover.png" width="357" height="179" loading="lazy" style="object-fit:cover"><div class="image-caption">Kuluttajien maksutottumukset euroalueella – SPACE-tutkimus 2024</div> <div class="image-date">19.12.2024</div></a></div></div><ul><li class="has-subpages"><a href="/euro/digital_euro/html/index.fi.html">Digitaalinen euro</a><a href="#" class="subpages" title="toggle subpages for Digitaalinen euro"></a><ul><li class="has-subpages"><a href="/euro/digital_euro/features/html/index.fi.html">Sähköinen versio eurosta</a><a href="#" class="subpages" title="toggle subpages for Sähköinen versio eurosta"></a><ul><li class="clearfix"><a href="/euro/digital_euro/features/privacy/html/index.fi.html">Digital euro and privacy</a></li></ul></li><li 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href="/press/conferences/ecbforum/previous_fora/html/index.fi.html">Menneet tapahtumat</a></li></ul></li><li class="clearfix"><a href="/press/conferences/civil_society_engagement/html/index.fi.html">Kansalaisvaikuttaminen</a></li></ul></li><li class="has-subpages"><a href="/press/calendars/html/index.fi.html">Kalenterit</a><a href="#" class="subpages" title="toggle subpages for Kalenterit"></a><ul><li class="clearfix"><a href="/press/calendars/weekly/html/index.fi.html">Viikkokalenteri</a></li><li class="clearfix"><a href="/press/calendars/mgcgc/html/index.fi.html">EKP:n neuvoston ja yleisneuvoston kokoukset</a></li><li class="has-subpages"><a href="/press/calendars/statscal/html/index.fi.html">Tilastojen julkaisuaikataulu</a><a href="#" class="subpages" title="toggle subpages for Tilastojen julkaisuaikataulu"></a><ul><li class="clearfix"><a href="/press/calendars/statscal/mfm/html/index.fi.html">Raha-, pankki- ja rahoitusmarkkinat</a></li><li class="clearfix"><a 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class="external"></i></a></li></ul></div><div id="topnav"><ul><li class="has-subpages" aria-expanded="false"><a href="/ecb/html/index.fi.html">Tietoa meistä</a><a href="#" class="subpages" title="toggle subpages for Tietoa meistä"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"> <div class="item"> <div class="title">Tietoa meistä</div> <hr> </div> </div></div><ul><li class="clearfix"><a href="/ecb/all-about-us/html/index.fi.html">Euroopan keskuspankki</a></li><li class="has-subpages"><a href="/ecb/decisions/html/index.fi.html">Päätöksenteko</a><a href="#" class="subpages" title="toggle subpages for Päätöksenteko"></a><ul><li class="clearfix"><a href="/ecb/decisions/eb/html/index.fi.html">Johtokunta</a></li><li class="clearfix"><a href="/ecb/decisions/govc/html/index.fi.html">EKP:n neuvosto</a></li><li class="clearfix"><a href="/ecb/decisions/genc/html/index.fi.html">Yleisneuvosto</a></li><li class="clearfix"><a href="/ecb/decisions/ssm/html/index.fi.html">Valvontaelin</a></li></ul></li><li class="has-subpages"><a href="/ecb/orga/html/index.fi.html">Organisaatio</a><a href="#" class="subpages" title="toggle subpages for Organisaatio"></a><ul><li class="has-subpages"><a href="/ecb/orga/escb/html/index.fi.html">EKP, EKPJ ja eurojärjestelmä</a><a href="#" class="subpages" title="toggle subpages for EKP, EKPJ ja eurojärjestelmä"></a><ul><li class="clearfix"><a href="/ecb/orga/escb/ecb-mission/html/index.fi.html">EKP:n toiminta</a></li><li class="clearfix"><a href="/ecb/orga/escb/eurosystem-mission/html/index.fi.html">Eurojärjestelmän toiminta</a></li><li class="clearfix"><a href="/ecb/orga/escb/strategic-intents/html/index.fi.html">Strategiset linjaukset</a></li><li class="clearfix"><a href="/ecb/orga/escb/organisational-principles/html/index.fi.html">Organisatoriset periaatteet</a></li></ul></li><li class="has-subpages"><a href="/ecb/orga/tasks/html/index.fi.html">Tehtävät</a><a href="#" class="subpages" title="toggle subpages for Tehtävät"></a><ul><li class="clearfix"><a href="/ecb/orga/tasks/monpol/html/index.fi.html">Rahapolitiikka</a></li><li class="clearfix"><a href="/ecb/orga/tasks/statistics/html/index.fi.html">Tilastot</a></li><li class="has-subpages"><a href="/ecb/orga/tasks/stability/html/index.fi.html">Rahoitusvakaus ja makrovakauspolitiikka</a><a href="#" class="subpages" title="toggle subpages for Rahoitusvakaus ja makrovakauspolitiikka"></a><ul><li class="clearfix"><a href="/ecb/orga/tasks/stability/tasks/html/index.fi.html">Tehtävät</a></li><li class="clearfix"><a href="/ecb/orga/tasks/stability/strategy/html/index.fi.html">Strategia</a></li><li class="clearfix"><a href="/ecb/orga/tasks/stability/framework/html/index.fi.html">Toimijat</a></li></ul></li><li class="clearfix"><a href="/ecb/orga/tasks/euro/html/index.fi.html">Setelit</a></li><li class="clearfix"><a href="/ecb/orga/tasks/paym/html/index.fi.html">Maksut ja arvopaperit</a></li><li class="has-subpages"><a href="/ecb/orga/tasks/europe/html/index.fi.html">Eurooppa-suhteet</a><a href="#" class="subpages" title="toggle subpages for Eurooppa-suhteet"></a><ul><li class="clearfix"><a href="/ecb/orga/tasks/europe/cooperation/html/index.fi.html">Eurooppalainen yhteistyö</a></li><li class="clearfix"><a href="/ecb/orga/tasks/europe/emu/html/index.fi.html">Talous- ja rahaliitto</a></li></ul></li><li class="has-subpages"><a href="/ecb/orga/tasks/international/html/index.fi.html">Kansainväliset asiat</a><a href="#" class="subpages" title="toggle subpages for Kansainväliset asiat"></a><ul><li class="clearfix"><a href="/ecb/orga/tasks/international/institutions/html/index.fi.html">Suhteet kansainvälisiin organisaatioihin</a></li><li class="clearfix"><a href="/ecb/orga/tasks/international/financialarchitecture/html/index.fi.html">Keskuspankkien kansainvälinen yhteistyö</a></li></ul></li><li class="clearfix"><a href="/ecb/orga/tasks/reserves/html/index.fi.html">Valuuttavaranto ja omat varat</a></li><li class="clearfix"><a href="/ecb/orga/tasks/forex/html/index.fi.html">Valuuttaoperaatiot</a></li></ul></li><li class="clearfix"><a href="/ecb/orga/orgachart/html/index.fi.html">EKP:n organisaatiokaavio</a></li><li class="clearfix"><a href="/ecb/orga/capital/html/index.fi.html">Pääoman merkitseminen</a></li><li class="clearfix"><a href="/ecb/orga/governance/html/index.fi.html">Hallinto ja valvonta</a></li></ul></li><li class="has-subpages"><a href="/ecb/our-values/html/index.fi.html">EKP:n arvot</a><a href="#" class="subpages" title="toggle subpages for EKP:n arvot"></a><ul><li class="clearfix"><a href="/ecb/our-values/independence/html/index.fi.html">Riippumattomuus</a></li><li class="clearfix"><a href="/ecb/our-values/transparency/html/index.fi.html">Avoimuus</a></li><li class="clearfix"><a href="/ecb/our-values/accountability/html/index.fi.html">Tilivelvollisuus</a></li><li class="has-subpages"><a href="/ecb/our-values/ethics/html/index.fi.html">Eettisyys</a><a href="#" class="subpages" title="toggle subpages for Eettisyys"></a><ul><li class="clearfix"><a href="/ecb/our-values/ethics/enmo/html/index.fi.html">Monenvälisten järjestöjen eettinen verkosto (ENMO)</a></li></ul></li></ul></li><li class="has-subpages"><a href="/ecb/history-arts-culture/html/index.fi.html">EKP:n historiaa, taidetta ja kulttuuria</a><a href="#" class="subpages" title="toggle subpages for EKP:n historiaa, taidetta ja kulttuuria"></a><ul><li class="has-subpages"><a href="/ecb/history-arts-culture/history/html/index.fi.html">Historia</a><a href="#" class="subpages" title="toggle subpages for Historia"></a><ul><li class="clearfix"><a href="/ecb/history-arts-culture/history/25-year-anniversary-of-the-ecb/html/index.fi.html">EKP:n 25 vuotta</a></li><li class="clearfix"><a href="/ecb/history-arts-culture/history/emu/html/index.fi.html">Talous- ja rahaliitto</a></li><li class="clearfix"><a href="/ecb/history-arts-culture/history/enlargement/html/index.fi.html">EU:n laajeneminen</a></li><li class="clearfix"><a href="/ecb/history-arts-culture/history/ec/html/index.fi.html">Euroopan unioni</a></li></ul></li><li class="has-subpages"><a href="/ecb/history-arts-culture/archives/html/index.fi.html">Arkisto</a><a href="#" class="subpages" title="toggle subpages for Arkisto"></a><ul><li class="clearfix"><a href="/ecb/history-arts-culture/archives/cog/html/index.fi.html">Keskuspankkien pääjohtajien komitea</a></li><li class="clearfix"><a href="/ecb/history-arts-culture/archives/emcf/html/index.fi.html">Euroopan raha-asiain yhteistyörahasto</a></li><li class="clearfix"><a href="/ecb/history-arts-culture/archives/delors/html/index.fi.html">Delorsin komitea</a></li><li class="clearfix"><a href="/ecb/history-arts-culture/archives/emi/html/index.fi.html">Euroopan rahapoliittinen instituutti</a></li><li class="clearfix"><a href="/ecb/history-arts-culture/archives/european/html/index.fi.html">Euroopan keskuspankki</a></li></ul></li><li class="clearfix"><a href="/ecb/history-arts-culture/artsculture/html/index.fi.html">Taide ja kulttuuri</a></li></ul></li><li class="has-subpages"><a href="/ecb/legal/html/index.fi.html">Säädöskokoelma</a><a href="#" class="subpages" title="toggle subpages for Säädöskokoelma"></a><ul><li class="clearfix"><a href="/ecb/legal/faqs/html/index.fi.html">Vastauksia kysymyksiin</a></li><li class="clearfix"><a href="/ecb/legal/fsla/html/index.fi.html">Useimmin haetut säädökset</a></li></ul></li><li class="has-subpages"><a href="/ecb/climate/html/index.fi.html">Ilmastonmuutos ja EKP</a><a href="#" class="subpages" title="toggle subpages for Ilmastonmuutos ja EKP"></a><ul><li class="clearfix"><a href="/ecb/climate/our-climate-and-nature-plan/html/index.fi.html">Ilmasto- ja luontosuunnitelma</a></li><li class="clearfix"><a href="/ecb/climate/climate-related-financial-disclosures/html/index.fi.html">Ilmastoriskien julkistaminen</a></li><li class="clearfix"><a href="/ecb/climate/managing_mitigating_climatel_risk/html/index.fi.html">Ilmastoriskien hallinta</a></li><li class="clearfix"><a href="/ecb/climate/green_transition/html/index.fi.html">Siirtyminen vihreään talouteen</a></li><li class="clearfix"><a href="/ecb/climate/wider_action/html/index.fi.html">Laajempien toimien edistäminen</a></li><li class="clearfix"><a href="/ecb/climate/our_approach/html/index.fi.html">Toimintatapa</a></li><li class="clearfix"><a href="/ecb/climate/green/html/index.fi.html">Ympäristönsuojelu EKP:ssä</a></li><li class="clearfix"><a href="/ecb/climate/climate/html/index.fi.html">Ilmastovakuutusturvan puutteet</a></li></ul></li><li class="clearfix"><a href="/ecb/sanctions/html/index.fi.html">EKP:n määräämät seuraamukset</a></li><li class="has-subpages"><a href="/ecb/jobsproc/html/index.fi.html">Hankinnat</a><a href="#" class="subpages" title="toggle subpages for Hankinnat"></a><ul><li class="clearfix"><a href="/ecb/jobsproc/tenders/html/index.fi.html">Tarjouskilpailut</a></li><li class="clearfix"><a href="/ecb/jobsproc/archive/html/index.fi.html">Arkisto</a></li><li class="clearfix"><a href="/ecb/jobsproc/sourcing/html/index.fi.html">Hankintamenettelyjen verkkopalvelu</a></li></ul></li><li class="has-subpages"><a href="/ecb/access_to_documents/html/index.fi.html">Asiakirjoihin tutustuminen</a><a href="#" class="subpages" title="toggle subpages for Asiakirjoihin tutustuminen"></a><ul><li class="clearfix"><a href="/ecb/access_to_documents/document/html/index.fi.html">Julkinen asiakirjarekisteri</a></li></ul></li><li class="has-subpages"><a href="/ecb/contacts/html/index.fi.html">Yhteystiedot</a><a href="#" class="subpages" title="toggle subpages for Yhteystiedot"></a><ul><li class="clearfix"><a href="/ecb/contacts/address/html/index.fi.html">Osoite</a></li><li class="clearfix"><a href="/ecb/contacts/working-hours/html/index.fi.html">EKP:n virka-aika ja yleiset vapaapäivät</a></li></ul></li></ul></div></li><li class="has-subpages" aria-expanded="false"><a href="/ecb-and-you/html/index.fi.html">Avoin EKP</a><a href="#" class="subpages" title="toggle subpages for Avoin EKP"></a><div class="nav-first-level-wrap"><div class="nav-featured-wrap"><div class="nav-featured"> <div class="item"> <div class="title">Avoin EKP</div> <hr> </div> </div></div><ul><li class="clearfix"><a href="/ecb-and-you/educational/html/index.fi.html">Oppimateriaalia</a></li><li class="clearfix"><a href="/ecb-and-you/explainers/html/index.fi.html">Yleistajuista tietoa</a></li><li class="clearfix"><a href="/ecb-and-you/test-your-knowledge/html/index.fi.html">Testaa tietosi</a></li><li class="has-subpages"><a href="/ecb-and-you/youth-initiatives/html/index.fi.html">Nuorille</a><a href="#" class="subpages" title="toggle subpages for Nuorille"></a><ul><li class="clearfix"><a href="/ecb-and-you/youth-initiatives/girls_it_bootcamp/html/index.fi.html">Tietotekniikan intensiivileiri tytöille</a></li></ul></li><li class="clearfix"><a href="/ecb-and-you/financial_literacy_europe/html/index.fi.html">Financial literacy in Europe</a></li><li class="clearfix"><a href="/ecb-and-you/everyone-needs-stability/html/index.fi.html">Kaikki tarvitsevat vakautta</a></li><li class="clearfix"><a href="/ecb-and-you/ecb_and_you/html/index.fi.html">ECB & You -kampanjan lähetykset</a></li><li class="clearfix"><a href="/ecb-and-you/ask_us/html/index.fi.html">Vastauksia kysymyksiin</a></li><li class="has-subpages"><a href="/ecb-and-you/visits/html/index.fi.html">Tervetuloa EKP:hen</a><a href="#" class="subpages" title="toggle subpages for Tervetuloa EKP:hen"></a><ul><li class="clearfix"><a href="/ecb-and-you/visits/premises/html/index.fi.html">Päärakennus</a></li></ul></li></ul></div></li><li class="has-subpages -section" aria-expanded="false"><a href="/careers/html/index.fi.html">Ura EKP:ssä</a><a href="#" class="subpages" title="toggle subpages for Ura EKP:ssä"></a><div 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You will be working in a dynamic multicultural environment, with colleagues from across Europe.</p> <p>We value our employees, and you will have many opportunities to develop your personal and professional skills throughout your career. Take a look at what we have to offer: working at the ECB means much more than just an attractive salary. </p> <h2>Salaries and benefits</h2> <p> We offer internationally competitive salaries and allowances. Taxes on salaries, allowances and benefits are paid to the European Communities instead of the national tax authorities.</p> </div> <div class="table "> <div class="header"> <div class="title">Net Salary Table</div> </div> <div class="wrapper"> <table> <thead> <tr> <th>Salary band</th> <th colspan="3" class="number">Fixed-term contract<br>Minimum monthly net salary*</th> <th colspan="3" class="number">Short-term contract<br>Minimum monthly net salary*</th> </tr> <tr> <th> </th> <th class="number">Bracket 1<br>Step 1</th> <th class="number">Bracket 2<br>Step 1</th> <th class="number">Bracket 3<br>Step 1</th> <th class="number">Bracket 1<br>Step 1</th> <th class="number">Bracket 2<br>Step 1</th> <th class="number">Bracket 3<br>Step 1</th> </tr> </thead> <tbody> <tr> <td>A</td> <td class="number">€3,000</td> <td class="number">€3,240</td> <td class="number"> </td> <td class="number">€3,915</td> <td class="number">€4,223</td> <td class="number"> </td> </tr> <tr> <td>B</td> <td class="number">€3,257</td> <td class="number">€3,519</td> <td class="number"> </td> <td class="number">€4,243</td> <td class="number">€4,576</td> <td class="number"> </td> </tr> <tr> <td>C</td> <td class="number">€3,624</td> <td class="number">€4,060</td> <td class="number"> </td> <td class="number">€4,709</td> <td class="number">€5,249</td> <td class="number"> </td> </tr> <tr> <td>D</td> <td class="number">€4,182</td> <td class="number">€4,674</td> <td class="number"> </td> <td class="number">€5,400</td> <td class="number">€6,007</td> <td class="number"> </td> </tr> <tr> <td>E</td> <td class="number">€4,869</td> <td class="number">€5,423</td> <td class="number"> </td> <td class="number">€6,245</td> <td class="number">€6,914</td> <td class="number"> </td> </tr> <tr> <td>E/F</td> <td class="number">€4,869</td> <td class="number">€5,423</td> <td class="number">€6,154</td> <td class="number">€6,245</td> <td class="number">€6,914</td> <td class="number">€7,783</td> </tr> <tr> <td>F</td> <td class="number">€5,743</td> <td class="number">€6,456</td> <td class="number"> </td> <td class="number">€7,296</td> <td class="number">€8,140</td> <td class="number"> </td> </tr> <tr> <td>F/G</td> <td class="number">€5,743</td> <td class="number">€6,370</td> <td class="number">€7,188</td> <td class="number">€7,296</td> <td class="number">€8,039</td> <td class="number">€8,981</td> </tr> <tr> <td>G</td> <td class="number">€6,738</td> <td class="number">€7,527</td> <td class="number"> </td> <td class="number">€8,469</td> <td class="number">€9,351</td> <td class="number"> </td> </tr> <tr> <td>H</td> <td class="number">€8,130</td> <td class="number">€8,923</td> <td class="number"> </td> <td class="number">€9,992</td> <td class="number">€10,879</td> <td class="number"> </td> </tr> <tr> <td>I</td> <td class="number">€8,746</td> <td class="number">€9,543</td> <td class="number"> </td> <td class="number">€10,677</td> <td class="number">€11,647</td> <td class="number"> </td> </tr> <tr> <td>J</td> <td class="number">€9,438</td> <td class="number">€10,260</td> <td class="number">€11,375</td> <td class="number">€11,509</td> <td class="number">€12,581</td> <td class="number">€14,034</td> </tr> <tr> <td>K</td> <td class="number">€12,227</td> <td class="number"> </td> <td class="number"> </td> <td class="number"> </td> <td class="number"> </td> <td class="number"> </td> </tr> <tr> <td>L</td> <td class="number">€14,021</td> <td class="number"> </td> <td class="number"> </td> <td class="number"> </td> <td class="number"> </td> <td class="number"> </td> </tr> <tr> <td>M</td> <td class="number">€17,695</td> <td class="number"> </td> <td class="number"> </td> <td class="number"> </td> <td class="number"> </td> <td class="number"> </td> </tr> </tbody> <tfoot> <tr> <td colspan="8" class="ecb-small">* Full time position, with deductions for social contributions: accident insurance (mandatory), health and long term care insurances (optional) and pension.<br>For <strong>fixed-term contracts</strong>, 20.7334% of your basic salary is paid into the ECB pension scheme. For <strong>short-term contracts</strong>, the same percentage is paid as cash equivalent hence the higher minimum basic net salary.</td> </tr> </tfoot> </table> </div> </div> <div class="section"> <p> Salaries are reviewed annually based on each staff member’s personal development and contribution to the performance of the organisation. </p> <p> Depending on your type of contract, you will be entitled to certain allowances and benefits that are specially designed to support you and your family in various aspects also of your private life. </p> <h2>Career development</h2> <h3>Mobility</h3> <p> To support you to increase your expertise and broaden your skills, you can always apply for a new position within the ECB. </p> <p> There are several options for mobility both within the organisation and beyond. Vacancies are usually first advertised internally, and staff members are encouraged to apply. Some members of staff also take part in intra-divisional mobility schemes and job swaps. Furthermore, there are opportunities for temporary secondment to other central banks and to European and international organisations. </p> <h3>Training </h3> <p> During your staying at the ECB you will be constantly encouraged to develop your expertise and gain new skills. To support you in this process, we offer a wide range of in-house training, including generic and specific job-related training, coaching in personal and interpersonal skills, training in people management, as well as language training. All courses are tailored to the specific needs of our institution and staff. Staff members may also attend external courses for specific job-related training. </p> <h3>Performance management</h3> <p> Managers monitor the performance of their staff by means of ongoing and open dialogue. They allocate work, define objectives, review performance, provide feedback and assess areas for development. The annual appraisal exercise consolidates this ongoing developmental process. Our competency framework and corporate values support this process. </p> <h2>Pension</h2> <p> Depending on your contract type, you can become a member of the ECB Pension Scheme. The Scheme provides you with an income after you retire from the ECB. It also provides benefits for your family in the event of your death. </p> <h2>Healthy working and well being</h2> <h3>Medical cover</h3> <p> Because your health is important to us, the ECB Health insurance provides worldwide medical cover to all our staff members, including Trainees and staff on short-term assignments. Two-thirds of the cost is borne by the ECB, with one-third paid by staff. Dependent spouses/recognised partners and children can also be covered under the plan. </p> <h3>Accident insurance</h3> <p> Staff members also have accident insurance cover which provides benefits in the event that a staff member has an accident resulting in a disability or death in service. Two-thirds of the cost is borne by the ECB, with one-third paid by the insured person. Family members or recognised partners cannot be covered under this policy. </p> <h3>Long-term care insurance </h3> <p>Staff members covered by ECB health insurance are automatically covered by ECB long-term care insurance as well. Long-term care insurance pays a contribution towards care and other non-medical costs for individuals who are unable to perform basic everyday and housekeeping activities. Medical costs are covered by the health insurance. Dependents of staff members covered by ECB health insurance can also apply to be covered by long-term care insurance subject to a successful medical examination. </p> <h3>Mediator </h3> <p>The ECB Mediator/Ombuds is a confidential resource for all ECB staff, providing independent, informal and impartial support. The ECB Mediator/Ombuds helps staff to prevent and address workplace disputes with a variety of tools based on assisted, inclusive dialogue. </p> <h3>Social Counsellor </h3> <p>The Social Counsellors are external advisers who provide independent and impartial counselling services for all ECB staff members. The service includes up to five sessions and is free for ECB staff. </p> <h3>Other support services </h3> <p>The <strong>Employee Assistance Programme</strong> is a confidential support service designed to help colleagues deal with emotional distress. It is provided externally to the ECB and is available remotely, around the clock. 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Teleworking allows you to organise your work with flexibility and maintain a healthy work-life balance. </p> <h3>Additional services</h3> <p> In each of our locations an on-site Medical Centre provides a full range of occupational health services, including vaccinations. </p> <h2>Relocation</h2> <p> Depending on your contract type, a relocation service helps staff members to move to Frankfurt am Main as smoothly and easily as possible. This service includes assistance in finding suitable accommodation, help with negotiations with prospective landlords, the performance of checks on the rental contract and the provision of guidance on legal issues and other regulations. </p> <p> For further information please check the <a href="/careers/before-you-apply/newcomers/html/index.en.html" data-label="englanti">dedicated pages for new employees</a>. 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