Bank capital to assets ratio (%) (Financial Soundness) in Finland
Finland: Bank capital to assets ratio (%) (Financial Soundness) was 6.3% in 2025. ▲ Rising
Bank capital to assets ratio in Finland, 2007–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
The most recent figure for bank capital to assets ratio in Finland is 6.3%, measured in 2025.
That represents a change of up 3.5% on the previous year and up 16.9% over ten years.
Over the whole period, bank capital to assets ratio in Finland peaked at 7.8% in 2018 and was at its lowest, 3.6%, in 2011.
Finland ranks 122nd of 147 countries on this measure, in the bottom quarter.
The long-run direction has been consistently rising across the 19 years of available data.
Bank capital to assets ratio (%) (Financial Soundness) in Finland, year by year
| Year | % | Change |
|---|---|---|
| 2007 | 6.1% | — |
| 2008 | 5.0% | -16.9% |
| 2009 | 4.8% | -5.7% |
| 2010 | 4.3% | -10.5% |
| 2011 | 3.6% | -14.5% |
| 2012 | 4.0% | +9.7% |
| 2013 | 4.1% | +2.4% |
| 2014 | 4.4% | +6.3% |
| 2015 | 5.4% | +24.5% |
| 2016 | 6.6% | +21.1% |
| 2017 | 5.5% | -16.5% |
| 2018 | 7.8% | +42.9% |
| 2019 | 5.9% | -24.9% |
| 2020 | 6.1% | +4.4% |
| 2021 | 6.1% | -0.4% |
| 2022 | 5.7% | -6.2% |
| 2023 | 5.8% | +1.0% |
| 2024 | 6.1% | +5.7% |
| 2025 | 6.3% | +3.5% |
Finland compared with similar countries
- Finland's 6.3% is below the median for high income countries, which is 8.0%, 79% of the median. (57 countries reporting)
- Finland's 6.3% is below the median for Europe & Central Asia, which is 8.5%, 74% of the median. (48 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 5.3% | 4.8% | 6.1% | 3 |
| 2010s | 5.2% | 3.6% | 7.8% | 10 |
| 2020s | 6.0% | 5.7% | 6.3% | 6 |
Countries ranked near Finland
More financial sector data for Finland
- Reserve position in the IMF, US dollar, annual growth rate 7.97 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0027 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 151.59 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 2.82 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.002 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 110.69 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 7.97 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0027 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 151.59 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 2.82 % change on previous year (2025)
Frequently asked questions
- What is bank capital to assets ratio in Finland?
- Bank capital to assets ratio in Finland was 6.3% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank capital to assets ratio recorded in Finland?
- The highest recorded value was 7.8% in 2018.
- What is the lowest bank capital to assets ratio recorded in Finland?
- The lowest recorded value was 3.6% in 2011.
- How does Finland rank for bank capital to assets ratio?
- Finland ranks 122nd out of 147 countries with data for 2025.
- Is bank capital to assets ratio rising or falling in Finland?
- Over the last ten years it is up 16.9%. The long-run trend across the full record is rising.
- Where does this Finland data come from?
- The figures come from Financial Soundness Indicators, International Monetary Fund (IMF), published as part of Bank capital to assets ratio (%). Statizoid updates them automatically from the source API.
Download this data
CSV · JSON — 19 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
The indicator is a measure of capital adequacy that evaluates the financial strength of deposit takers by comparing Tier 1 capital to total assets. Tier 1 capital, often referred to as core capital, includes the most stable and readily available forms of capital, such as common equity, disclosed reserves, retained earnings, and certain other instruments that meet regulatory requirements under the Basel framework. This capital is considered the highest quality because it is fully available to cover losses and does not need to be repaid.