Financing and Insurance

Stock of deposits and loans 1) by monetary financial institutions

End of year 2014 2015*
  € million Interest rate, % € million Interest rate, %
Public's deposits from the euro area 144 802 0,33 148 085 0,24
  Non-financial corporations and housing corporations 30 205 0,16 34 873 0,08
  Households 2) 80 812 0,37 81 624 0,30
Loans to the public in the euro area 214 426 1,75 216 571 1,61
  Non-financial corporations and housing corporations 68 373 1,84 72 502 1,63
  Households 2) 118 807 1,89 121 982 1,73
    Housing loans 89 762 1,44 91 955 1,24
    Consumer credit and other loans 29 045 3,29 30 027 3,22

* preliminary data

1) Euro-denominated
2) Incl. non-profit institutions serving households

Source: Bank of Finland

Table in Excel format (xlsx)

Updated: 15.2.2016

Households' withdrawals of new housing loans 1)

  New housing loans Average interest rate
  € million %
2005 18 555 3,03
2006 19 756 3,77
2007 21 215 4,76
2008 19 669 5,07
2009 16 155 2,45
2010 18 538 2,02
2011 20 124 2,54
2012 19 114 2,02
2013 15 220 2,03
2014 15 052 1,89
2015 16 482 1,48

1) Euro-denominated new loans by monetary financial institutions to households in the euro area

Source: Bank of Finland

Table in Excel format (xlsx)

Updated: 15.2.2016

Financial assets of households

  2007 2008 2009 2010 2011 2012 2013 2014 2015
  € billion 
Deposits 62,9 70,6 71,3 75,4 80,2 80,2 79,8 79,3 80,4
Insurance technical reserves 1) 44,1 41,2 39,7 42,5 41,3 44,6 46,8 48,0 49,6
Quoted shares 27,2 14,8 23,0 30,0 21,9 25,1 29,4 29,2 32,1
Mutual fund shares 18,2 9,1 12,8 15,5 12,5 14,9 16,4 18,8 20,3
Unquoted shares and other equity 39,9 38,8 42,8 46,4 46,0 51,6 62,8 65,9 67,9
Other 11,8 11,6 13,3 14,7 15,3 17,3 19,5 23,2 24,8
Total 204,2 186,1 202,9 224,5 217,3 233,7 254,6 264,4 275,1

1) Comprises provisions of insurance corporations against future compensations of private pension and life insurance policy holders and beneficiaries, and households' share of non-life technical provisions.

Source: Statistics Finland, Financial accounts

Table in Excel format (xlsx)

Updated: 15.4.2016

Market rates of interest

  2007 2008 2009 2010 2011 2012 2013 2014 2015
Euribor rates %
1 month 4,080 4,276 0,888 0,570 1,178 0,325 0,130 0,131 -0,072
3 months 4,277 4,644 1,218 0,813 1,393 0,571 0,221 0,209 -0,020
12 months 4,449 4,826 1,610 1,352 2,009 1,108 0,536 0,475 0,167
Yields on government bonds %
5 years 4,18 3,88 2,70 1,78 2,08 0,87 0,81 0,51 0,10
10 years 4,29 4,30 3,74 3,00 3,00 1,89 1,86 1,44 0,73

Source: Bank of Finland

Table in Excel format (xlsx)

Updated: 15.2.2016

Domestic credit institutions’ profit for the financial year

  Commercial banks Co-operative banks Savings banks Other domestic credit institutions Total
  € million
2005 1 644 236 49 105 2 034
2006 1 574 271 64 110 2 019
2007 2 180 361 77 105 2 723
2008 1 391 306 64 129 1 890
2009 1 178 215 47 108 1 548
2010 1 189 222 35 134 1 580
2011 1 326 206 39 111 1 682
2012 1 476 166 39 162 1 843
2013 1 268 144 41 175 1 628
2014 1 478 666 52 227 2 423
2015 1 590 671 54 218 2 533

Source: Statistics Finland, Financial statement statistics on credit institutions

Table in Excel format (xlsx)

Updated: 20.4.2016

OMX share indices (28.12.1990 = 1 000)

  OMX Helsinki Annual change, % OMX Helsinki Cap Annual change, %
2000 14 881 90,8 4 572 29,3
2001 8 544 -42,6 3 031 -33,7
2002 6 611 -22,6 2 747 -9,4
2003 5 671 -14,2 2 528 -8,0
2004 6 096 7,5 3 050 20,6
2005 7 158 17,4 3 810 24,9
2006 8 921 24,6 4 815 26,4
2007 11 106 24,5 5 876 22,0
2008 8 459 -23,8 4 323 -26,4
2009 5 673 -32,9 3 167 -26,7
2010 6 894 21,5 4 175 31,8
2011 6 470 -6,2 4 089 -2,1
2012 5 556 -14,1 3 581 -12,4
2013 6 463 16,3 4 173 16,5
2014 7 518 16,3 4 851 16,2
2015 8 488 12,9 5 504 13,5

Source: Bank of Finland

Table in Excel format (xlsx)

Updated: 15.2.2016

 

Main topic: Financing and Insurance

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