Financing and Insurance

Stock of deposits and loans 1) by monetary financial institutions

End of year 2015 2016 2017*
  € million Interest
rate, %
€ million Interest
rate, %
€ million Interest
rate, %

Public's deposits from

the euro area

148 085 0,24 149 475 0,13 156 796 0,12

Non-financial corporations
and housing corporations

34 873 0,08 33 518 0,05 36 183 0,02
Households 2) 81 624 0,30 85 092 0,18 87 886 0,14

Loans to the public in

the euro area

216 571 1,61 219 405 1,46 225 196 1,43

Non-financial corporations
and housing corporations

72 503 1,63 76 043 1,47 79 326 1,41
Households 2) 121 981 1,73 124 931 1,56 128 131 1,52
  Housing loans 91 955 1,24 94 056 1,07 96 129 1,02

  Consumer credit and

  other loans

30 026 3,22 30 874 3,04 32 002 3,03

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

Source: Bank of Finland

Table in Excel format (xlsx)

Updated: 5.4.2018

Households' withdrawals of new housing loans

  New housing loans Average interest rate
  € million %
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
2016 17 750 1,20
2017 18 040 1,06

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: 6.4.2018

Financial assets of households

  2010 2011 2012 2013 2014 2015 2016 2017
  € billion 
Deposits 79,4 85,0 85,4 85,3 85,4 87,4 91,6 95,1
Insurance technical
reserves 1)
42,7 41,5 45,7 49,6 54,8 59,1 61,2 62,8
Quoted shares 30,0 21,9 25,1 29,4 29,2 31,8 35,6 38,5
Mutual fund shares 15,5 12,5 14,9 16,4 18,9 20,2 21,8 24,3
Unquoted shares and
other equity
46,4 46,0 51,6 62,8 69,3 72,3 75,5 78,1
Other 10,7 10,5 11,8 11,5 11,3 10,5 9,1 9,0
Total 224,8 217,5 234,6 255,1 268,9 281,2 294,8 307,9

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: 5.4.2018

Market rates of interest

  Euribor rates, % Yields on government bonds, %
  1 month 3 months 12 months 5 years 10 years
2007 4,080 4,277 4,449 4,18 4,29
2008 4,276 4,644 4,826 3,88 4,30
2009 0,888 1,218 1,610 2,70 3,74
2010 0,570 0,813 1,352 1,78 3,00
2011 1,178 1,393 2,009 2,08 3,00
2012 0,325 0,571 1,108 0,87 1,89
2013 0,130 0,221 0,536 0,81 1,86
2014 0,131 0,209 0,475 0,51 1,44
2015 -0,072 -0,020 0,167 0,10 0,73
2016 -0,338 -0,264 -0,034 -0,35 0,36
2017 -0,372 -0,329 -0,145 -0,21 0,55

Source: Bank of Finland

Table in Excel format (xlsx)

Updated: 5.4.2018

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
2016 1 597 448 67 224 2 336

Source: Statistics Finland, Financial statement statistics on credit institutions

Table in Excel format (xlsx)

Updated: 20.4.2017

OMX share indices (28.12.1990 = 1 000)

  OMX Helsinki Annual change, % OMX Helsinki Cap Annual change, %
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
2016 8 190 -3,5 5 474 -0,5
2017 9 441 15,3 6 411 17,1

Source: Bank of Finland

Table in Excel format (xlsx)

Updated: 5.4.2018

 

Main topic: Financing and Insurance

Last updated 3 Aug 2018