Financing and Insurance

Outstanding credit by borrower sector

Market rates of interest

Stock of deposits and loans by monetary financial institutions

New loans by monetary financial institutions

Households' indebtedness rate and savings ratio

Financial assets of households

Banks' profit/loss for the financial year

OMX share indices (28.12.1990 = 1 000)

Finland's foreign assets and liabilities

Exchange rates

Outstanding credit by borrower sector

End of year	Non-financial corporations	General government	Households	Rest of the world	Other	Total
End of year	€ million
1980	15 944	2 842	8 533	614	4 166	32 099
1981	18 217	3 140	10 078	514	4 500	36 449
1982	21 141	3 696	11 921	489	5 709	42 956
1983	23 781	4 539	13 863	775	7 374	50 332
1984	26 696	4 796	15 915	2 340	8 313	58 060
1985	27 420	4 500	18 230	1 364	12 025	63 539
1986	30 814	4 792	20 664	2 104	14 035	72 409
1987	34 224	5 225	24 565	2 392	15 437	81 843
1988	39 583	5 602	31 509	3 522	17 392	97 608
1989	45 508	6 451	35 849	4 492	20 195	112 495
1990	52 700	6 683	37 618	5 817	20 870	123 688
1991	55 272	7 801	38 215	6 262	22 988	130 538
1992	53 000	9 436	37 011	6 355	21 902	127 704
1993	48 520	11 611	34 948	6 014	19 714	120 807
1994	42 053	15 626	33 254	4 691	19 543	115 167
1995	37 603	20 689	31 846	4 552	19 414	114 104
1996	35 307	24 475	30 814	7 849	19 099	117 544
1997	32 658	28 072	31 141	9 686	20 916	122 473
1998	33 988	31 340	33 381	11 423	21 932	132 065
1999	36 599	30 081	36 865	18 232	22 191	143 968
2000	36 566	24 195	39 746	31 449	22 820	154 776
2001	36 953	18 054	42 833	35 579	22 791	156 211
2002	38 589	11 577	47 088	36 735	22 401	156 391
2003	40 120	10 865	53 199	38 941	24 403	167 528
2004	41 259	10 074	60 167	44 086	25 537	181 123
2005	42 910	10 779	69 066	49 033	28 001	199 791
2006	44 889	10 325	77 883	50 775	31 912	215 785
2007	49 421	11 155	86 578	46 313	33 378	226 846
2008	62 488	11 032	93 117	54 081	36 138	256 856
2009	59 204	11 021	98 321	55 529	37 504	261 580
2010	65 224	15 504	104 114	116 398	46 024	347 263
2011	68 141	17 673	109 662	140 746	54 962	391 186
2012	70 250	18 534	114 860	160 188	55 939	419 770

Source: Statistics Finland, Financial statistics

Table in Excel format suoluk_raho1.xls

Last updated: 25.3.2013

Market rates of interest

	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012
Euribor rates	%
1 month	4,244	4,335	3,306	2,346	2,081	2,144	2,945	4,080	4,276	0,888	0,570	1,178	0,325
3 months	4,400	4,267	3,320	2,330	2,107	2,186	3,083	4,277	4,644	1,218	0,813	1,393	0,571
12 months	4,789	4,086	3,493	2,334	2,274	2,335	3,440	4,449	4,826	1,610	1,352	2,009	1,108
Yields on government bonds	%
5 years	5,27	4,54	4,41	3,28	3,25	2,85	3,59	4,18	3,88	2,70	1,78	2,08	0,87
10 years	5,49	5,04	4,98	4,13	4,11	3,35	3,78	4,29	4,30	3,74	3,00	3,00	1,89

Source: Bank of Finland

Table in Excel format suoluk_raho3.xls

Last updated: 10.1.2013

Stock of deposits and loans ¹⁾ by monetary financial institutions

End of year	2008		2009		2010 ³⁾		2011		2012*
End of year	€ million	Interest rate, %	€ million	Interest rate, %	€ million	Interest rate, %	€ million	Interest rate, %	€ million	Interest rate, %
Public's deposits from the euro area	107 425	2,50	108 720	0,74	116 780	0,84	126 680	1,02	135 056	0,61
Non-financial corporations and housing corporations	24 185	2,27	24 631	0,47	26 588	0,62	26 293	0,80	27 812	0,33
Households ²⁾	73 737	2,54	74 023	0,80	77 760	0,86	82 612	1,05	82 378	0,72
Loans to the public in the euro area	158 105	5,04	160 313	2,45	170 409	2,44	180 977	2,83	193 479	1,93
Non-financial corporations and housing corporations	57 594	4,84	54 093	2,34	56 471	2,48	60 361	2,84	63 282	1,95
Households ²⁾	93 416	5,23	98 388	2,52	104 273	2,45	109 551	2,88	114 798	2,01
Housing loans	67 632	4,83	71 860	2,12	76 747	2,05	81 781	2,51	86 346	1,63
Consumer credit and other loans	25 783	6,28	26 527	3,64	27 526	3,55	27 770	3,96	28 452	3,15
1) Euro-denominated 2) Incl. non-profit institutions serving households 3) The MFI data collection scheme was revised as of 2010, and hence the figures published are not totally comparable with those for earlier years. * preliminary data

Source: Bank of Finland

Table in Excel format suoluk_raho4.xls

Last updated: 20.3.2013

New loans by monetary financial institutions ¹⁾

	2008		2009		2010³⁾		2011		2012*
	€ million	Interest rate, %	€ million	Interest rate, %	€ million	Interest rate, %	€ million	Interest rate, %	€ million	Interest rate, %
To non-financial corporations and housing corporations	78 859	5,37	74 945	2,51	86 012	2,10	82 873	2,65	85 877	2,09
Overdrafts	24 491	5,77	24 095	2,74	31 590	2,32	45 436	2,60	50 860	1,98
To households ²⁾	71 201	8,57	67 035	6,24	75 825	5,30	82 064	5,57	82 878	5,19
Overdrafts and credit card credits	35 604	11,98	40 055	8,64	46 948	7,21	51 131	7,23	52 580	6,81
Housing loans	26 669	5,01	19 739	2,45	20 972	1,98	22 537	2,49	21 682	1,97
Consumer credit	3 918	5,84	3 289	3,69	3 495	3,38	3 848	3,94	4 247	4,01
Other loans	5 010	5,41	3 952	2,98	4 410	2,71	4 545	3,32	4 368	2,64
1) Euro-denominated to the public in the euro area 2) Incl. non-profit institutions serving households 3) The MFI data collection scheme was revised as of 2010, and hence the figures published are not totally comparable with those for earlier years. * preliminary data

Source: Bank of Finland

Table in Excel format suoluk_raho5.xls

Last updated: 20.3.2013

Households' indebtedness rate and savings ratio

Year	Households' debts ¹⁾	Households' savings
Year	as % of disposable income
1990	86,4	2,0
1991	81,7	7,4
1992	77,0	10,0
1993	73,8	7,6
1994	73,7	1,6
1995	65,4	4,3
1996	63,0	0,5
1997	59,8	2,1
1998	61,4	0,5
1999	64,7	2,0
2000	68,2	-1,0
2001	68,2	-0,5
2002	71,9	0,0
2003	77,2	1,3
2004	84,2	2,6
2005	94,8	0,6
2006	102,9	-1,5
2007	108,0	-1,1
2008	109,5	-0,6
2009	111,9	4,3
2010*	113,4	3,4
2011*	115,7	1,1
2012*	118,6	-0,5
1) Incl. households' share of the debts of housing companies * preliminary data

Source: Statistics Finland, Annual national accounts

Table in Excel format suoluk_raho8.xls

Last updated: 20.3.2013

Financial assets of households

	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012
	€ billion
Deposits	40,8	43,7	45,7	46,1	51,7	55,1	56,2	62,9	70,6	71,3	75,5	80,2	80,2
Insurance technical reserves ¹⁾	25,3	27,7	29,1	30,9	33,8	37,3	39,9	41,6	39,6	38,4	43,3	42,7	44,6
Quoted shares	25,7	18,7	15,2	16,1	18,8	22,8	27,1	27,2	14,8	23,0	29,3	21,3	24,3
Mutual fund shares	5,1	5,3	4,9	7,1	9,2	13,2	18,0	18,2	9,1	12,8	14,4	11,6	13,7
Unquoted shares and other equity	27,4	27,7	29,5	33,4	36,7	39,7	41,8	39,7	39,8	39,0	44,1	46,0	46,7
Other	7,1	9,2	8,6	7,7	9,8	9,6	12,1	12,1	11,9	14,2	15,6	16,5	18,6
Total	131,5	132,2	132,9	141,3	160,0	177,7	195,1	201,7	185,8	198,7	222,1	218,4	228,2
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 suoluk_raho9.xls

Last updated: 30.4.2013

Banks' profit/loss for the financial year ¹⁾

	Profit/loss
	€ billion
1985	0,13
1986	0,18
1987	0,18
1988	0,44
1989	0,21
1990	0,32
1991	-1,06
1992	-3,45
1993	-1,84
1994	-1,47
1995	-0,47
1996	0,36
1997	0,81
1998	0,67
1999	0,91
2000	1,31
2001	4,14
2002	1,09
2003	2,63
2004	1,32
2005	1,94
2006	1,98
2007	2,67
2008	1,75
2009	1,44
2010	1,49
2011	1,70
2012	1,76
1) Domestic and foreign banks

Source: Statistics Finland, Financial statistics

Table in Excel format suoluk_raho2.xls

Last updated: 5.4.2013

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

Source: Bank of Finland

Table in Excel format suoluk_raho7.xls

Last updated: 23.5.2013

Finland's foreign assets and liabilities

Stock at year-end	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	*2010	*2011	*2012
Stock at year-end	€ billion
Assets	159,2	182,8	191,5	227,3	271,2	307,7	347,8	382,9	410,8	461,1	568,6	696,6	684,8
Finnish direct investments abroad	56,0	59,3	61,0	60,2	62,4	69,4	73,1	79,2	82,0	90,4	103,0	103,3	107,9
Finnish investments in foreign securities	54,9	63,4	72,5	84,7	107,4	130,8	162,4	173,9	129,2	174,9	212,6	208,6	236,7
Other investments abroad	36,1	48,1	44,8	52,8	63,3	68,3	78,8	87,9	100,3	106,8	137,5	192,2	196,2
Financial derivatives	3,0	2,4	3,9	20,7	28,5	29,6	27,9	36,3	93,2	81,1	108,3	184,5	135,6
Exchange reserves	9,0	9,6	9,4	8,8	9,5	9,6	5,7	5,7	6,0	7,9	7,2	8,0	8,4

Liabilities	354,5	297,2	244,4	265,8	286,4	331,8	370,7	433,1	423,7	455,3	538,2	666,9	662,5
Foreign direct investments in Finland	26,1	27,3	32,4	39,8	42,1	46,5	53,6	62,3	60,0	59,1	64,9	68,7	68,2
Foreign investments in Finnish securities	272,3	202,1	152,1	157,5	162,9	195,2	219,8	257,9	172,3	197,3	213,1	208,9	241,7
Other investments from abroad	54,1	65,9	56,8	47,9	53,9	61,2	70,3	78,2	98,4	119,9	156,9	212,6	225,5
Financial derivatives	2,1	1,9	3,0	20,6	27,6	28,8	27,1	34,7	93,0	78,9	103,3	176,7	127,2
* preliminary data

Source: Bank of Finland

Table in Excel format suoluk_kans6.xls

Last updated: 23.5.2013

Exchange rates

Average exchange rate of euro		2005	2006	2007	2008	2009	2010	2011	2012
United States	dollar (USD)	1,2441	1,2556	1,3705	1,4708	1,3948	1,3257	1,3920	1,2848
Canada	dollar (CAD)	1,5087	1,4237	1,4678	1,5594	1,5850	1,3651	1,3761	1,2842
United Kingdom	pound (GBP)	0,68380	0,68173	0,68434	0,79628	0,89094	0,85784	0,86788	0,81087
Sweden	krone (SEK)	9,2822	9,2544	9,2501	9,6152	10,6191	9,5373	9,0298	8,7041
Norway	krone (NOK)	8,0092	8,0472	8,0165	8,2237	8,7278	8,0043	7,7934	7,4751
Denmark	krone (DKK)	7,4518	7,4591	7,4506	7,4560	7,4462	7,4473	7,4506	7,4437
Iceland	krone (ISK)	78,23	87,76	87,63	¹) 146,25
Switzerland	franc (CHF)	1,5483	1,5729	1,6427	1,5874	1,5100	1,3803	1,2326	1,2053
Czech Republic	koruna (CZK)	29,782	28,342	27,766	24,946	26,435	25,284	24,590	25,149
Latvia	lats (LVL)	0,6962	0,6962	0,7001	0,7027	0,7057	0,7087	0,7063	0,6973
Lithuania	litas (LTL)	3,4528	3,4528	3,4528	3,4528	3,4528	3,4528	3,4528	3,4528
Poland	zloty (PLN)	4,0230	3,8959	3,7837	3,5121	4,3276	3,9947	4,1206	4,1847
Russia	rouble (RUB)	35,1860	34,1109	35,0183	36,4207	44,1376	40,2629	40,8846	39,9262
China	yuan renminbi (CNY)	10,1953	10,0096	10,4178	10,2236	9,5277	8,9712	8,9960	8,1052
Thailand	baht (THB)	50,063	47,594	44,214	48,475	47,804	42,014	42,429	39,928
Turkey	lira (TRY)	1,6771	1,8089	1,7865	1,9064	2,1631	1,9965	2,3378	2,3135
Japan	yen (JPY)	136,85	146,02	161,25	152,45	130,34	116,24	110,96	102,49
South Africa	rand (ZAR)	7,9183	8,5312	9,6596	12,0590	11,6737	9,6984	10,0970	10,5511
Australia	dollar (AUD)	1,6320	1,6668	1,6348	1,7416	1,7727	1,4423	1,3484	1,2407
¹) 1.1. – 9.12.2008

Source: Bank of Finland

Table in Excel format suoluk_valu1.xls

Last updated: 10.1.2013

Last updated 13.6.2013

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Financing and Insurance

Outstanding credit by borrower sector

Market rates of interest

Stock of deposits and loans 1) by monetary financial institutions

New loans by monetary financial institutions 1)

Households' indebtedness rate and savings ratio

Financial assets of households

Banks' profit/loss for the financial year 1)

OMX share indices (28.12.1990 = 1 000)

Finland's foreign assets and liabilities

Exchange rates

Stock of deposits and loans ¹⁾ by monetary financial institutions

New loans by monetary financial institutions ¹⁾

Banks' profit/loss for the financial year ¹⁾