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		<lastmod>2025-06-12T10:06:06+00:00</lastmod>
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		<lastmod>2024-06-18T10:59:18+00:00</lastmod>
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		<lastmod>2024-05-03T09:30:09+00:00</lastmod>
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		<lastmod>2024-05-03T09:30:09+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/handelsbanken-sells-parts-of-its-finnish-operations-to-s-bank-oma-savings-bank-and-fennia/</loc>
		<lastmod>2023-05-31T10:25:04+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/will-politicians-be-sidelined-by-lobbyists/</loc>
		<lastmod>2023-08-25T11:20:04+00:00</lastmod>
	</url>
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		<lastmod>2023-05-16T11:46:24+00:00</lastmod>
	</url>
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		<loc>https://www.finanssiala.fi/en/news/financial-sector-is-taking-action-to-halt-biodiversity-loss-uniform-indicators-badly-needed/</loc>
		<lastmod>2023-05-16T10:47:24+00:00</lastmod>
	</url>
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		<loc>https://www.finanssiala.fi/en/columns/finnish-financial-sectors-objectives-for-the-next-term-of-the-european-commission/</loc>
		<lastmod>2023-04-28T05:26:11+00:00</lastmod>
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		<lastmod>2023-05-08T12:12:00+00:00</lastmod>
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		<lastmod>2023-04-25T11:36:35+00:00</lastmod>
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		<lastmod>2023-04-20T11:50:15+00:00</lastmod>
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		<lastmod>2023-06-26T06:17:15+00:00</lastmod>
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		<lastmod>2023-04-18T10:55:00+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/were-the-principles-of-bail-in-neglected-or-did-they-work/</loc>
		<lastmod>2023-04-11T11:11:51+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/the-finnish-economic-guru-competitions-winner-crowned-for-the-25th-time/</loc>
		<lastmod>2023-03-31T08:36:48+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/knowledge-is-power-unless-you-drown-in-it/</loc>
		<lastmod>2023-04-12T10:12:54+00:00</lastmod>
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		<lastmod>2023-03-29T10:49:45+00:00</lastmod>
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		<lastmod>2023-04-04T10:31:34+00:00</lastmod>
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		<lastmod>2023-03-27T08:18:07+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/finnish-financial-sector-finlands-eu-influencing-must-be-sharpened/</loc>
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		<lastmod>2023-03-24T10:39:57+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/it-is-only-right-that-investors-bear-the-losses-of-a-failing-bank/</loc>
		<lastmod>2023-03-29T11:11:22+00:00</lastmod>
	</url>
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		<loc>https://www.finanssiala.fi/en/columns/does-lobbying-benefit-democracy/</loc>
		<lastmod>2023-08-25T11:19:46+00:00</lastmod>
	</url>
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		<loc>https://www.finanssiala.fi/en/news/financial-sector-maintains-a-high-level-of-cybersecurity-maturity-because-it-is-an-attractive-target-for-attacks/</loc>
		<lastmod>2023-03-21T08:00:39+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/would-european-regulation-have-helped-the-american-silicon-valley-bank/</loc>
		<lastmod>2023-03-22T15:16:51+00:00</lastmod>
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		<lastmod>2023-03-09T09:09:45+00:00</lastmod>
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		<lastmod>2023-02-28T11:27:49+00:00</lastmod>
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		<lastmod>2023-02-27T12:20:37+00:00</lastmod>
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		<lastmod>2023-02-24T08:58:14+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/why-i-lobbied-for-the-transparency-register/</loc>
		<lastmod>2023-08-25T11:19:24+00:00</lastmod>
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		<lastmod>2023-02-06T10:15:04+00:00</lastmod>
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		<lastmod>2023-06-14T08:21:20+00:00</lastmod>
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		<lastmod>2023-01-25T16:03:31+00:00</lastmod>
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		<lastmod>2023-01-25T10:00:30+00:00</lastmod>
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		<lastmod>2023-01-17T13:26:42+00:00</lastmod>
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		<lastmod>2023-05-11T11:28:52+00:00</lastmod>
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		<lastmod>2025-09-26T12:00:53+00:00</lastmod>
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		<lastmod>2022-12-19T12:07:57+00:00</lastmod>
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		<lastmod>2025-02-26T13:53:20+00:00</lastmod>
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		<lastmod>2022-11-22T15:08:39+00:00</lastmod>
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		<lastmod>2022-11-10T15:13:24+00:00</lastmod>
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		<lastmod>2022-10-27T05:19:03+00:00</lastmod>
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		<lastmod>2022-10-13T10:00:00+00:00</lastmod>
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		<lastmod>2022-10-13T05:06:17+00:00</lastmod>
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		<lastmod>2022-10-13T10:01:52+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/shit-happens/</loc>
		<lastmod>2022-10-04T09:47:39+00:00</lastmod>
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		<lastmod>2022-09-14T04:39:08+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/sustainable-finance-is-a-good-example-of-prioritising-values-over-economic-advantage/</loc>
		<lastmod>2022-09-16T06:56:54+00:00</lastmod>
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		<lastmod>2022-08-24T09:00:52+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/regulatory-treatment-of-cryptoassets-needs-to-be-reviewed-to-protect-financial-stability/</loc>
		<lastmod>2022-08-23T11:38:12+00:00</lastmod>
	</url>
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		<loc>https://www.finanssiala.fi/en/news/piia-noora-kauppi-resigns-as-managing-director-of-finance-finland/</loc>
		<lastmod>2022-08-18T12:19:00+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/a-new-career-awaits-%e2%80%92-it-is-important-to-know-when-to-let-go-of-a-wonderful-thing/</loc>
		<lastmod>2022-11-23T06:59:25+00:00</lastmod>
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		<lastmod>2022-12-22T12:07:14+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/call-for-evidence-on-an-open-finance-framework-enabling-data-sharing-and-third-party-access-in-the-financial-sector/</loc>
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		<lastmod>2022-09-12T15:15:01+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/plans-for-a-european-deposit-insurance-scheme-postponed-%e2%80%92-important-groundwork-to-be-laid-down-soon/</loc>
		<lastmod>2022-08-01T06:31:56+00:00</lastmod>
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		<lastmod>2022-08-01T06:31:05+00:00</lastmod>
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		<lastmod>2022-09-29T06:24:14+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/insurance-company-solvency-is-like-a-slowly-maturing-wine-carefully-tweaked-by-the-french/</loc>
		<lastmod>2022-08-04T07:15:04+00:00</lastmod>
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	</url>
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		<lastmod>2022-12-07T13:42:28+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/banking-in-a-bunker-ukrainian-banking-services-still-running-finland-preparing-for-disruptions/</loc>
		<lastmod>2022-05-13T10:18:49+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/economic-uncertainty-is-growing-among-finns-we-now-need-stability-and-security/</loc>
		<lastmod>2022-05-13T05:39:35+00:00</lastmod>
	</url>
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		<loc>https://www.finanssiala.fi/en/news/life-insurance-is-a-must-especially-when-you-have-children-and-loans-an-exceptional-study-on-life-insurance-coverage-published-in-finland/</loc>
		<lastmod>2022-05-12T05:29:38+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/the-eu-flag-flies-high-above-the-storm/</loc>
		<lastmod>2022-06-05T07:16:10+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/training-and-ambition-for-brussels-finnish-finalists-to-the-european-money-quiz/</loc>
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		<lastmod>2022-09-29T09:48:45+00:00</lastmod>
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		<lastmod>2023-02-17T12:57:34+00:00</lastmod>
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		<lastmod>2022-04-28T17:10:03+00:00</lastmod>
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		<lastmod>2022-06-02T10:54:47+00:00</lastmod>
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		<lastmod>2022-05-31T09:52:00+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/annual-report-of-finance-finlands-lobbying-activities-in-2021/</loc>
		<lastmod>2023-08-09T06:07:06+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/psychiatry-and-insurance-how-do-mental-disorders-differ-from-each-other-and-how-do-they-relate-to-insurance/</loc>
		<lastmod>2022-06-01T16:43:40+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/targeted-consultation-on-options-to-enhance-the-suitability-and-appropriateness-assessments/</loc>
		<lastmod>2022-03-23T11:30:16+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/targeted-consultation-on-improving-the-eus-macroprudential-framework-for-the-banking-sector/</loc>
		<lastmod>2022-03-22T18:23:57+00:00</lastmod>
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		<lastmod>2022-03-25T08:27:43+00:00</lastmod>
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		<lastmod>2022-03-03T06:02:57+00:00</lastmod>
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		<lastmod>2022-03-16T07:10:05+00:00</lastmod>
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		<lastmod>2022-03-14T15:30:10+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/targeted-consultation-on-the-listing-act-making-public-capital-markets-more-attractive-for-eu-companies-and-facilitating-access-to-capital-for-smes/</loc>
		<lastmod>2022-03-14T15:31:22+00:00</lastmod>
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		<lastmod>2022-02-17T08:13:06+00:00</lastmod>
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		<lastmod>2022-03-11T05:53:32+00:00</lastmod>
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		<lastmod>2022-02-16T08:17:25+00:00</lastmod>
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		<lastmod>2022-01-14T09:38:26+00:00</lastmod>
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		<lastmod>2021-12-14T16:20:56+00:00</lastmod>
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		<lastmod>2021-12-07T18:11:59+00:00</lastmod>
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		<lastmod>2021-11-11T11:13:00+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/a-house-on-fire-and-a-city-under-water-are-beyond-insurance/</loc>
		<lastmod>2021-11-10T13:44:18+00:00</lastmod>
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		<lastmod>2021-10-15T09:23:49+00:00</lastmod>
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		<lastmod>2021-10-11T09:05:35+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/esma-consultation-paper-on-the-review-of-rts-1-equity-transparency-and-rts-2-non-equity-transparency/</loc>
		<lastmod>2021-10-18T08:22:03+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/ffi-and-fin-fsa-concerned-about-the-tight-schedule-of-the-corporate-sustainability-reporting-directive/</loc>
		<lastmod>2021-10-01T10:31:44+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/the-solvency-ii-review-is-headed-in-the-right-direction-some-course-adjustment-still-required/</loc>
		<lastmod>2021-09-29T09:29:50+00:00</lastmod>
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		<lastmod>2021-09-03T06:00:09+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/when-a-black-swan-enters-the-game-board-the-importance-of-data-ethics-in-insurance/</loc>
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		<lastmod>2021-08-03T09:43:40+00:00</lastmod>
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	<url>
		<loc>https://www.finanssiala.fi/en/news/overview-of-finnish-insurance-in-2020-solvency-remained-good-premium-income-and-claims-decreased/</loc>
		<lastmod>2021-06-21T14:23:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/columns/solvency-ii-rationalised-risk-assessment-but-imposed-a-massive-reporting-burden-on-insurers/</loc>
		<lastmod>2021-06-09T15:49:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/digitalisation-of-healthcare-documents-making-slow-but-steady-progress/</loc>
		<lastmod>2021-06-04T10:23:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/ec-consultation-on-draft-delegated-regulation-of-disclosure-obligations-under-taxonomy-regulation/</loc>
		<lastmod>2021-07-13T17:00:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/finnish-banking-in-2020/</loc>
		<lastmod>2021-07-01T16:51:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/uncontrolled-climate-change-equals-an-uninsurable-world-ffis-report-discusses-the-role-of-non-life-insurance-in-the-changing-climate/</loc>
		<lastmod>2021-05-31T11:00:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/non-life-insurance-and-climate-change/</loc>
		<lastmod>2021-05-31T10:42:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/forty-years-at-the-core-of-financial-regulation-lea-mantyniemi-calls-for-quality-and-patience-in-law-making/</loc>
		<lastmod>2021-05-25T11:32:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/columns/better-eu-regulation-a-noble-thought/</loc>
		<lastmod>2021-05-28T07:47:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/watch-the-webinar-recording-nordic-financial-ecosystem-forum-2021/</loc>
		<lastmod>2021-05-20T08:28:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/legacy-of-covid-19-financial-sector-employers-and-employees-share-a-view-on-hybrid-work/</loc>
		<lastmod>2021-05-18T12:19:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/esas-joint-consultation-paper-on-taxonomy-related-sustainability-disclosures/</loc>
		<lastmod>2021-07-13T16:55:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/finnish-insurance-in-2020/</loc>
		<lastmod>2021-06-11T06:23:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/columns/defining-sustainable-finance-has-been-a-rocky-road-but-the-first-milestone-is-now-in-sight/</loc>
		<lastmod>2021-05-19T09:37:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/consultation-on-vat-rules-for-financial-and-insurance-services/</loc>
		<lastmod>2021-06-11T06:04:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/jussi-kettunen/</loc>
		<lastmod>2021-05-26T06:35:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/consultation-on-esma-guidelines-on-mifid-ii-appropriateness-and-execution-only-requirements/</loc>
		<lastmod>2021-05-12T07:12:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/finance-finlands-response-to-eiopa-public-consultation-on-the-discussion-paper-on-open-insurance-accessing-and-sharing-insurance-related-data/</loc>
		<lastmod>2021-07-13T16:53:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/finance-finlands-response-to-ec-consultation-on-the-feasibility-assessment-for-a-potential-eu-referral-scheme/</loc>
		<lastmod>2021-04-30T06:48:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/hannu-ijas/</loc>
		<lastmod>2025-02-26T11:26:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/hungary-wins-emq-finnish-finalists-aiming-for-summer-jobs/</loc>
		<lastmod>2021-04-22T12:00:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/webinar-4-may-sustainable-finance-and-capital-markets/</loc>
		<lastmod>2021-04-23T09:57:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/targeted-consultation-on-the-review-of-the-crisis-management-and-deposit-insurance-framework/</loc>
		<lastmod>2021-06-18T06:47:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/watch-recording-of-standardised-sustainability-reporting-webinar/</loc>
		<lastmod>2021-04-19T10:46:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/sustainable-economic-webinar-on-15-april/</loc>
		<lastmod>2021-04-12T07:56:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/european-insurers-issue-a-joint-declaration-on-artificial-intelligence/</loc>
		<lastmod>2021-03-31T08:43:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/safe-use-of-digital-services/</loc>
		<lastmod>2021-03-31T07:04:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/financial-sector-wants-substantial-risk-reduction-before-completion-of-the-banking-union/</loc>
		<lastmod>2021-06-18T06:39:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/emw-2021-begins/</loc>
		<lastmod>2021-03-24T10:39:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/finlands-eu-priorities-and-ftt/</loc>
		<lastmod>2021-05-21T06:29:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/guidelines-on-bank-secrecy-2021/</loc>
		<lastmod>2021-07-01T16:48:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/finance-finland-increases-the-transparency-of-its-lobbying/</loc>
		<lastmod>2021-03-17T13:39:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/annual-report-of-finance-finlands-lobbying-activities-in-2020/</loc>
		<lastmod>2022-04-11T08:56:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/finance-finlands-response-to-the-european-commission-targeted-consultation-on-the-establishment-of-a-european-single-access-point-esap-for-financial-and-non-financial-information-publicly-disclose/</loc>
		<lastmod>2021-06-11T07:36:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/columns/responsible-sustainable-or-fairly-produced-where-to-begin/</loc>
		<lastmod>2021-06-22T12:07:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/columns/lobbying-objectives-2021/</loc>
		<lastmod>2022-01-20T15:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/17-march-eu-round-table/</loc>
		<lastmod>2021-06-18T06:40:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/commerce-committee-on-capital-requirements/</loc>
		<lastmod>2021-03-15T11:42:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/call-on-carbon/</loc>
		<lastmod>2021-03-15T11:41:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/maarit-utriainen/</loc>
		<lastmod>2023-02-23T12:26:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/columns/better-reporting-on-environmental-impact-of-investments/</loc>
		<lastmod>2021-03-17T07:03:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/tuomo-yli-huttula-3/</loc>
		<lastmod>2026-01-12T10:34:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/mikko-kuusela/</loc>
		<lastmod>2024-09-26T09:21:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/veli-matti-mattila/</loc>
		<lastmod>2021-02-21T16:12:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/teija-rehn/</loc>
		<lastmod>2021-03-08T08:05:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/teija-kaarlela/</loc>
		<lastmod>2021-05-05T13:13:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/taina-ahvenjarvi/</loc>
		<lastmod>2023-03-22T11:43:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/satu-urpilainen/</loc>
		<lastmod>2021-08-13T06:42:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/paivi-luna/</loc>
		<lastmod>2021-08-13T06:46:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/piritta-poikonen/</loc>
		<lastmod>2021-02-21T15:19:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/3236/</loc>
		<lastmod>2021-02-21T15:09:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/peter-jansson/</loc>
		<lastmod>2023-07-07T06:22:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/pauliina-lappetelainen/</loc>
		<lastmod>2026-03-03T11:57:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/olli-salmi/</loc>
		<lastmod>2022-10-03T12:10:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/niko-saxholm/</loc>
		<lastmod>2021-03-08T16:43:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/mirjami-kajander-saarikoski/</loc>
		<lastmod>2025-05-13T11:30:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/mika-seppanen/</loc>
		<lastmod>2021-02-21T14:22:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/marjo-lapatto/</loc>
		<lastmod>2025-12-03T10:52:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/mariia-somerla/</loc>
		<lastmod>2025-02-05T11:26:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/mari-pekonen-ranta/</loc>
		<lastmod>2022-10-03T10:30:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/kirsi-klepp/</loc>
		<lastmod>2025-06-06T09:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/katri-vilppola/</loc>
		<lastmod>2021-02-21T13:05:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/katja-repo/</loc>
		<lastmod>2023-09-18T13:03:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/katja-piuhola/</loc>
		<lastmod>2023-02-23T12:28:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/jussi-karhunen/</loc>
		<lastmod>2025-12-03T10:52:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/johannes-palmgren/</loc>
		<lastmod>2025-08-19T08:04:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/jarmo-markkanen/</loc>
		<lastmod>2021-02-21T12:46:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/jari-virta/</loc>
		<lastmod>2021-02-21T12:43:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/iriina-laiho/</loc>
		<lastmod>2023-08-09T08:00:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/aku-pankalainen-2/</loc>
		<lastmod>2021-02-21T11:55:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/columns/profit-and-responsibility-go-hand-in-hand/</loc>
		<lastmod>2021-09-06T10:51:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/eiopa-insurance-sector-unshaken-by-covid-19-crisis/</loc>
		<lastmod>2021-03-11T17:59:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/consultation-on-proposed-initiative-on-sustainable-corporate-governance/</loc>
		<lastmod>2021-06-11T07:33:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/national-strategy-to-promote-financial-literacy-makes-headway-in-finland/</loc>
		<lastmod>2021-03-11T18:02:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/timo-tuominen/</loc>
		<lastmod>2021-02-21T16:04:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/antti-laitila-3/</loc>
		<lastmod>2026-03-03T11:57:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/financial-sector-and-ceps-in-agreement-effective-prevention-of-money-laundering-needs-smoother-information-exchange/</loc>
		<lastmod>2021-03-11T18:03:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/%e2%80%8banti-money-laundering-resources-now-available-on-a-one-stop-website/</loc>
		<lastmod>2021-03-11T18:05:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/ebf-tested-the-application-of-the-eu-taxonomy-to-core-banking-products/</loc>
		<lastmod>2021-03-11T18:05:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/mona-redsven/</loc>
		<lastmod>2025-05-02T11:28:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/mika-linna/</loc>
		<lastmod>2021-02-22T09:12:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/contacts/johanna-wickstrom/</loc>
		<lastmod>2023-08-24T09:26:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/columns/we-have-an-app-for-everything-from-eating-and-travelling-to-dating-what-about-personal-development/</loc>
		<lastmod>2025-02-24T06:28:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/ffi-response-to-commission-on-esap-iia/</loc>
		<lastmod>2021-06-08T08:04:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/preparatory-work-on-eu-non-financial-reporting-standards-join-public-online-webinars-on-the-14th-and-18th-of-january/</loc>
		<lastmod>2021-03-31T07:04:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/brexit-raises-new-questions-in-eu-financial-sector-regulation/</loc>
		<lastmod>2021-03-11T18:08:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/columns/from-the-crisis-emerged-better-cooperation/</loc>
		<lastmod>2021-03-11T12:03:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/seasons-greetings-from-ffi/</loc>
		<lastmod>2025-02-26T14:00:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/columns/speeding-up-sustainable-finance-requires-slowing-down-new-regulation/</loc>
		<lastmod>2021-03-08T07:46:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/finance-finlands-position-on-eu-taxonomys-climate-mitigation-technical-screening-criteria/</loc>
		<lastmod>2021-04-28T11:59:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/finnish-financial-sector-supports-the-banking-union-but-rushing-risk-sharing-could-slow-down-economic-recovery/</loc>
		<lastmod>2021-03-11T18:09:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/columns/finnish-financial-services-in-the-uk-partially-cut-off-at-the-end-of-the-year/</loc>
		<lastmod>2021-03-09T09:21:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/422-arrested-and-4031-money-mules-identified-in-global-crackdown-on-money-laundering-better-information-exchange-would-bring-even-better-results/</loc>
		<lastmod>2021-03-11T18:11:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/columns/pinkwashing-and-the-rumble-of-tumble-dryers/</loc>
		<lastmod>2021-03-07T20:15:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/all-online-purchases-may-soon-require-strong-identification/</loc>
		<lastmod>2021-03-11T18:12:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/finnish-government-proposes-making-illegal-threats-subject-to-public-prosecution/</loc>
		<lastmod>2021-03-11T18:13:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/economic-guru-is-only-a-short-test-but-it-can-open-doors-to-several-universities/</loc>
		<lastmod>2021-03-11T18:14:51+00:00</lastmod>
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		<lastmod>2021-03-11T17:49:42+00:00</lastmod>
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		<lastmod>2021-03-11T18:16:30+00:00</lastmod>
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		<lastmod>2021-03-09T09:27:12+00:00</lastmod>
	</url>
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		<lastmod>2021-03-09T09:51:23+00:00</lastmod>
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		<lastmod>2021-03-09T09:28:27+00:00</lastmod>
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		<lastmod>2021-03-11T18:18:09+00:00</lastmod>
	</url>
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		<lastmod>2022-11-10T07:23:41+00:00</lastmod>
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		<lastmod>2021-03-31T07:04:28+00:00</lastmod>
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	<url>
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		<lastmod>2021-03-09T09:46:05+00:00</lastmod>
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		<lastmod>2021-03-07T18:51:09+00:00</lastmod>
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		<lastmod>2021-03-11T18:26:44+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/raising-capital-requirements-slows-down-economic-recovery/</loc>
		<lastmod>2021-03-09T09:23:27+00:00</lastmod>
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		<lastmod>2021-03-11T18:27:38+00:00</lastmod>
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		<lastmod>2021-03-11T18:28:25+00:00</lastmod>
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		<lastmod>2021-03-09T09:24:51+00:00</lastmod>
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		<lastmod>2021-03-09T09:44:02+00:00</lastmod>
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		<lastmod>2021-03-07T19:43:21+00:00</lastmod>
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		<lastmod>2021-04-28T12:05:16+00:00</lastmod>
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		<lastmod>2021-03-11T18:30:10+00:00</lastmod>
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		<lastmod>2021-03-07T20:10:51+00:00</lastmod>
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		<lastmod>2021-03-11T18:33:33+00:00</lastmod>
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		<lastmod>2021-03-07T16:49:23+00:00</lastmod>
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		<lastmod>2021-03-07T18:03:42+00:00</lastmod>
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		<lastmod>2021-03-09T09:57:29+00:00</lastmod>
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		<lastmod>2021-03-11T18:38:02+00:00</lastmod>
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		<lastmod>2021-03-11T17:08:23+00:00</lastmod>
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		<lastmod>2021-03-31T07:04:29+00:00</lastmod>
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		<lastmod>2021-03-31T07:05:02+00:00</lastmod>
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	</url>
	<url>
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		<lastmod>2021-03-11T19:28:18+00:00</lastmod>
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		<lastmod>2021-03-05T13:23:26+00:00</lastmod>
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		<lastmod>2021-03-07T17:46:41+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/consultation-on-idd-level-2-measures-2/</loc>
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		<loc>https://www.finanssiala.fi/en/news/finnish-insurance-celebrates-200th-anniversary-is-it-still-viable/</loc>
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		<loc>https://www.finanssiala.fi/en/columns/the-digital-transformation-of-finnish-insurance/</loc>
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		<lastmod>2021-03-07T18:01:40+00:00</lastmod>
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		<lastmod>2021-03-11T13:37:36+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/ebf-statement-on-outcome-of-uk-referendum-on-eu-membership/</loc>
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		<loc>https://www.finanssiala.fi/en/publications/words-to-actions-best-practices-of-finnish-financial-sector-companies/</loc>
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		<lastmod>2021-03-07T18:18:18+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/finnish-insurance-in-2015-slides/</loc>
		<lastmod>2021-03-07T18:18:37+00:00</lastmod>
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		<lastmod>2021-03-07T16:58:37+00:00</lastmod>
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		<lastmod>2021-03-07T20:42:55+00:00</lastmod>
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		<lastmod>2021-03-07T19:40:12+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/automatic-information-exchange-tackles-tax-evasion/</loc>
		<lastmod>2021-03-07T18:31:48+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/columns/putting-an-end-to-tax-havens/</loc>
		<lastmod>2021-03-12T13:30:39+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/finnish-schools-competed-in-financial-skills/</loc>
		<lastmod>2021-03-07T17:46:59+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/maija-loyska-wins-economic-guru-2016/</loc>
		<lastmod>2021-03-07T17:47:15+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/financial-sector-promotes-financial-literacy-during-european-money-week/</loc>
		<lastmod>2021-03-07T20:40:56+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/good-banking-practice-2015/</loc>
		<lastmod>2021-03-05T12:47:45+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/matti-pohjola-digitalisation-and-productivity-in-the-financial-sector/</loc>
		<lastmod>2021-03-07T20:01:40+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/environmental-benefits-of-electronic-insuring-and-registration-of-vehicles/</loc>
		<lastmod>2021-03-07T20:08:24+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/consultation-on-priips-key-information-documents-2/</loc>
		<lastmod>2021-03-05T13:22:21+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/call-for-evidence-eu-regulatory-framework-for-financial-services-2/</loc>
		<lastmod>2021-03-07T20:44:13+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/consultation-on-product-oversight-and-governance-2/</loc>
		<lastmod>2021-03-07T20:35:49+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/hot-work-safety-guidelines/</loc>
		<lastmod>2021-03-07T18:37:50+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/collective-and-wage-agreement-for-the-insurance-sector-2010-2011/</loc>
		<lastmod>2021-03-07T20:02:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/good-practice-guidelines-for-insurance-investigation/</loc>
		<lastmod>2021-03-07T18:38:21+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/the-structural-reform-of-banks/</loc>
		<lastmod>2021-03-05T12:48:07+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/ffi-edis-would-further-increase-joint-liabilities/</loc>
		<lastmod>2021-03-07T16:34:34+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/vehicle-insurance-and-registration-combined-co2-emissions-halved/</loc>
		<lastmod>2021-03-07T17:31:15+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/changing-employee-demographics-in-the-banking-sector/</loc>
		<lastmod>2021-03-07T17:01:18+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/accounting-automation-would-save-hundreds-of-work-years/</loc>
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	</url>
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		<loc>https://www.finanssiala.fi/en/publications/the-climate-impact-of-accounting-automation/</loc>
		<lastmod>2021-03-07T20:09:10+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/banks-financial-statements-jan-jun-2015/</loc>
		<lastmod>2021-03-24T09:41:52+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/finnish-financial-sector-seeks-productivity-competitiveness-and-well-being/</loc>
		<lastmod>2021-03-07T19:40:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/ffi-response-on-technical-discussion-paper-on-priips-2/</loc>
		<lastmod>2021-03-07T20:36:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/consultation-on-regulation-on-otc-derivatives-central-counterparties-and-trade-repositories-emir-review-2/</loc>
		<lastmod>2021-03-07T20:47:05+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/ffi-response-to-esma-consultation-on-knowledge-and-competence-2/</loc>
		<lastmod>2021-03-05T13:20:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/ffi-response-to-esas-second-consultation-on-margin-requirements-2/</loc>
		<lastmod>2021-03-07T20:47:46+00:00</lastmod>
	</url>
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		<loc>https://www.finanssiala.fi/en/news/ffi-opposes-the-common-deposit-insurance-scheme-proposed-by-eu-leaders/</loc>
		<lastmod>2021-03-07T16:35:03+00:00</lastmod>
	</url>
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		<loc>https://www.finanssiala.fi/en/columns/kauppi-on-capital-markets-union-same-set-of-tools-may-not-work-for-everyone/</loc>
		<lastmod>2021-03-07T17:53:58+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/finnish-banking-2014/</loc>
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		<loc>https://www.finanssiala.fi/en/statements/ffi-response-to-esma-consultation-on-complex-debt-instruments-2/</loc>
		<lastmod>2021-03-05T13:20:13+00:00</lastmod>
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	<url>
		<loc>https://www.finanssiala.fi/en/publications/the-journey-forward-future-of-the-financial-sector/</loc>
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		<loc>https://www.finanssiala.fi/en/publications/healthy-financial-sector-report-summary/</loc>
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		<loc>https://www.finanssiala.fi/en/publications/final-report-of-the-healthy-financial-sector-project/</loc>
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		<lastmod>2021-03-07T20:03:10+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/ffi-response-to-the-commissions-green-paper-on-the-capital-markets-union-2/</loc>
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	<url>
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		<lastmod>2021-03-05T13:21:31+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/thousands-of-working-hours-wasted-on-manual-scanning-and-typing-of-data/</loc>
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	<url>
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		<lastmod>2021-03-07T20:41:12+00:00</lastmod>
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	<url>
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		<lastmod>2021-03-07T17:47:43+00:00</lastmod>
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	</url>
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	<url>
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	<url>
		<loc>https://www.finanssiala.fi/en/statements/consultation-on-product-oversight-and-governance-4/</loc>
		<lastmod>2021-03-07T20:36:04+00:00</lastmod>
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	<url>
		<loc>https://www.finanssiala.fi/en/statements/ffi-response-to-esma-consultation-paper-on-omnibus-ii-regarding-prospectuses-2/</loc>
		<lastmod>2021-03-05T13:19:49+00:00</lastmod>
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	<url>
		<loc>https://www.finanssiala.fi/en/news/ffi-single-resolution-fund-will-be-costly-for-finnish-banks/</loc>
		<lastmod>2021-03-07T16:35:26+00:00</lastmod>
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	<url>
		<loc>https://www.finanssiala.fi/en/statements/consultation-on-conflicts-of-interest-in-direct-and-intermediated-sales-of-insurance-based-investment-products-2/</loc>
		<lastmod>2021-03-07T20:36:31+00:00</lastmod>
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	<url>
		<loc>https://www.finanssiala.fi/en/news/finnish-banking-community-is-planning-a-new-urgent-payment-system/</loc>
		<lastmod>2021-03-07T17:02:17+00:00</lastmod>
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	<url>
		<loc>https://www.finanssiala.fi/en/news/employers-and-employees-strive-together-for-better-working-life-in-the-finnish-financial-sector/</loc>
		<lastmod>2021-03-07T19:41:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/news/kauppi-ecbs-comprehensive-assessment-sets-the-ball-rolling-on-banking-union/</loc>
		<lastmod>2021-03-07T16:35:43+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/ffi-response-to-esma-consultation-paper-on-mar-technical-advice-2/</loc>
		<lastmod>2021-03-05T13:21:04+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/occupational-pension-schemes/</loc>
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		<loc>https://www.finanssiala.fi/en/news/particularities-of-the-financial-sector-in-finland/</loc>
		<lastmod>2021-03-07T19:41:54+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/employer-image-2014-particularities-of-the-financial-sector/</loc>
		<lastmod>2021-03-07T20:04:28+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/consultation-response-on-the-clearing-obligation-for-interest-rate-swaps-2/</loc>
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		<loc>https://www.finanssiala.fi/en/statements/ffi-response-to-esma-discussion-paper-on-mifid-ii-mifir-2/</loc>
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		<loc>https://www.finanssiala.fi/en/statements/esas-consultation-on-risk-mitigation-2/</loc>
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		<loc>https://www.finanssiala.fi/en/publications/banks-financial-statements-2013/</loc>
		<lastmod>2021-03-24T09:44:52+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/finnish-banking-in-2013/</loc>
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		<loc>https://www.finanssiala.fi/en/publications/finnish-insurance-in-2013/</loc>
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		<loc>https://www.finanssiala.fi/en/statements/consultation-on-fx-financial-instruments-2/</loc>
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		<loc>https://www.finanssiala.fi/en/news/ffi-opposes-nationalisation-of-the-deposit-guarantee-fund/</loc>
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		<loc>https://www.finanssiala.fi/en/news/agreement-with-usa-means-new-questions-for-financial-customers/</loc>
		<lastmod>2021-03-07T18:32:07+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/ffi-banks-structural-restrictions-would-impede-growth/</loc>
		<lastmod>2021-03-07T17:02:38+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/news/ffi-has-published-position-statements-for-eu-elections/</loc>
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		<loc>https://www.finanssiala.fi/en/statements/discussion-paper-on-mar-market-abuse-regulation-2/</loc>
		<lastmod>2021-03-07T18:47:32+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/consultation-on-crowdfunding-2/</loc>
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		<loc>https://www.finanssiala.fi/en/statements/revised-exposure-draft-ifrs-4-insurance-contracts-2/</loc>
		<lastmod>2021-03-07T20:37:03+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/fsb-common-data-template-for-gsibs-joint-comment-letter-on-phases-2-and-3-2/</loc>
		<lastmod>2021-03-07T17:08:42+00:00</lastmod>
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		<lastmod>2021-03-07T20:37:15+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/consultation-on-good-supervisory-practices-on-knowledge-and-ability-2/</loc>
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		<loc>https://www.finanssiala.fi/en/statements/discussion-paper-on-clearing-obligation-under-emir-2/</loc>
		<lastmod>2021-03-07T18:47:40+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/iasb-exposure-draft-ed-leasing-2/</loc>
		<lastmod>2021-03-07T17:08:52+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/finnish-banking-in-2012/</loc>
		<lastmod>2021-03-07T18:05:06+00:00</lastmod>
	</url>
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		<loc>https://www.finanssiala.fi/en/statements/consultation-on-the-review-of-the-european-system-on-financial-supervision-2/</loc>
		<lastmod>2021-03-07T20:50:57+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/consultation-on-the-structural-reform-of-the-banking-sector-2/</loc>
		<lastmod>2021-03-07T17:09:00+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/statements/consultation-on-enhancing-the-coherence-of-the-eu-financial-services-legislation-2/</loc>
		<lastmod>2021-03-07T17:09:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/securities-trading-instructions-for-member-organisations-of-the-ffi/</loc>
		<lastmod>2021-03-07T18:49:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/banks-financial-statements-2011-2012/</loc>
		<lastmod>2021-03-24T09:44:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/finnish-insurance-in-2012/</loc>
		<lastmod>2021-03-07T18:19:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/consultation-on-interoperability-arrangements-2/</loc>
		<lastmod>2021-03-07T18:47:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/nordic-and-baltic-banking-associations-common-position-paper-on-crisis-management-directive-2/</loc>
		<lastmod>2021-03-07T17:09:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/finnish-insurance-in-2011/</loc>
		<lastmod>2021-03-07T18:19:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/finnish-banking-in-2011/</loc>
		<lastmod>2021-03-07T18:05:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/finnish-insurance-in-2010/</loc>
		<lastmod>2021-03-07T18:20:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/finnish-banking-in-2010/</loc>
		<lastmod>2021-03-07T18:05:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/environmentally-friendly-electronic-invoice/</loc>
		<lastmod>2021-03-07T20:09:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/customers-guide-to-switching-account-from-one-bank-to-another/</loc>
		<lastmod>2021-03-05T12:49:07+00:00</lastmod>
	</url>
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		<loc>https://www.finanssiala.fi/en/publications/know-your-customer-why-do-banks-ask/</loc>
		<lastmod>2021-03-05T12:49:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/statements/green-paper-on-corporate-governance-in-financial-institutions-and-remuneration-policies-2/</loc>
		<lastmod>2021-03-07T19:27:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/finnish-insurance-in-2009/</loc>
		<lastmod>2021-03-07T18:20:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/finnish-banking-in-2009/</loc>
		<lastmod>2021-03-07T18:06:02+00:00</lastmod>
	</url>
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		<loc>https://www.finanssiala.fi/en/statements/consultation-on-international-framework-for-liquidity-risk-measurement-standards-and-monitoring-2/</loc>
		<lastmod>2021-03-07T17:09:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.finanssiala.fi/en/publications/expatriate-banking/</loc>
		<lastmod>2021-03-05T12:49:55+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/finnish-insurance-in-2008/</loc>
		<lastmod>2021-03-07T18:20:27+00:00</lastmod>
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		<lastmod>2021-03-07T18:06:15+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/guidelines-on-bank-secrecy-2009-based-on-legislation-in-force-in-2008/</loc>
		<lastmod>2021-03-05T12:50:39+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/finnish-banking-in-2007/</loc>
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		<loc>https://www.finanssiala.fi/en/publications/finnish-banking-in-2006/</loc>
		<lastmod>2021-03-07T17:11:28+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/finnish-insurance-in-2006/</loc>
		<lastmod>2021-03-07T18:20:48+00:00</lastmod>
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		<loc>https://www.finanssiala.fi/en/publications/good-banking-practice-2004/</loc>
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